Cantlon Financial Planning LLC

Item 5: Fees and Compensation

Method of Compensation and Fee Schedule
  CFP LLC bases its fees on a percentage of assets under management.
  ASSET MANAGEMENT
  CFP LLC offers discretionary direct asset management services to advisory clients.
  CFP LLC will offer clients ongoing portfolio management services through
  determining individual investment goals, time horizons, objectives, and risk tolerance.
  Investment strategies, investment selection, assets allocation, portfolio monitoring
  and the overall investment program will be based on the above factors. The client will
  authorize CFP LLC discretionary authority to execute selected investment program
  transactions as stated within the Investment Advisory Agreement through the
  execution of a limited power or attorney or trading authorization.

  The Annual Fee for new clients is 8/10 of 1% of assets under management and are
  non-negotiable. Clients in good standing as of January 1, 2001 pay an annual fee of
  0.65% of assets of under direct management. Fees are billed quarterly in advance
  based on the amount of assets managed as of the close of business on the last
  business day of prior quarter and is payable upon receipt.

  CFP LLC requires a minimum fee of $1600 per year on client accounts. For those
  clients not meeting the minimum investment level, exceptions at reduced fees are
  made at the discretion of the investment advisor. CFP LLC may maintain some
  accounts on a pro bono basis.

  Either CFP LLC or clients may terminate advisory services at any time. CFP LLC will
  be entitled to a pro rata fee for the days service was provided in the final quarter.
  Client shall be given thirty (30) days prior written notice of any increase in fees.

                              Cantlon Financial Planning LLC

Client Payment of Fees
   Investment management fees are billed quarterly, in advance. An invoice for the
   quarterly advisory fee is sent to the client in the first week of the quarter and payment
   in full is expected upon invoice presentation. Clients have the option to have their
   fees deducted from their accounts. We withdraw those funds after the 10 th day of
   each calendar quarter.

Additional Client Fees Charged
  Custodians may charge transaction fees on purchases or sales of certain mutual
  funds and exchange-traded funds. These transaction charges are usually small and
  incidental to the purchase or sale of a security. The selection of the security is more
  important than the nominal fee that the custodian charges to buy or sell the security.
  CFP LLC, in its sole discretion, may waive its minimum fee and/or charge a lesser
  investment advisory fee based upon certain criteria (e.g., historical relationship, type
  of assets, anticipated future earning capacity, anticipated future additional assets,
  dollar amounts of assets to be managed, related accounts, account composition,
  negotiations with clients, etc.).

Prepayment of Client Fees
  Client may cancel within five business days of signing the Account Creation Forms
  for a full refund. If cancellation occurs after five business days, client will be entitled
  to a pro-rata refund based on work completed.

External Compensation for the Sale of Securities to Clients
  CFP LLC does not receive any external compensation for the sale of securities to
  clients, nor do any of the investment advisor representatives of CFP LLC.

Item 7: Types of Clients

Description
  CFP LLC generally provides investment advice to individuals, trusts, estates, and
  charitable organizations. Client relationships vary in scope and length of service.

                                Cantlon Financial Planning LLC

Account Minimums
  CFP LLC requires a minimum of $200,000 to open an account. CFP LLC requires a
  minimum fee of $1600 per year on client accounts. For those clients not meeting the
  minimum investment level, exceptions at reduced fees are made at the discretion of
  the investment advisor.