Cascade Investment Group Inc

Item 5   Fees and Compensation

                      INVESTMENT SUPERVISORY SERVICES ("ISS")
                           PORTFOLIO MANAGEMENT FEES

                             PORTFOLIO FREEDOM ACCOUNTS

Our annual fees for PFA accounts are based upon a percentage of assets under management and
range up to a maximum of 2.50%. Fees to be assessed shall be charged quarterly in advance
based upon the average daily balance during the previous quarter. The below fees are those
charged for CIGI’s services. Clients utilizing an SMA or TAMP to assist in the management of
their portfolio will pay a separate fee in addition to CIGI’s fee that will be described in separate
disclosure documents provided by the chosen SMA or TAMP.

The annualized fee for PFA Program is charged as a percentage of assets under management,
according to the following schedule:

Assets Under Management                            Annual Fee

Less than $250,000                                  2.50%
Over $250,000 but less than $500,000                2.00%
Over $500,000 but less than $1,000,000              1.50%
Over $1,000,000                                     Negotiable

Limited Negotiability of Advisory Fees: Although CIGI has established the aforementioned fee
schedule(s), we retain the discretion to negotiate alternative fees on a client-by-client basis.

Client facts, circumstances and needs are considered in determining the fee schedule. These
include the complexity of the client assets to be placed under management, anticipated future
additional assets, related accounts, portfolio style, account composition, reports, among other
factors. The specific annual fee schedule is identified in the contract between the adviser and
each client. The negotiated fee will not be lowered or increased automatically to a fee on the fee
schedule when the account value meets a different level listed on the fee schedule. The
negotiated fee will remain in effect for the entirety of the relationship or until a
new negotiated flat fee is entered.

There is no minimum account size, but CIGI reserves the right to decline management services.
Discounts, not generally available to our advisory clients, may be offered to family members and
friends of associated persons of our firm.

                                  PENSION CONSULTING FEES

Our fees for Pension Consulting Services are based on a percentage of assets under advisement
and are negotiated per plan at a rate not to exceed 1.50%. Plans without assets supporting our
minimum asset-based fee will be charged a flat dollar fee, which is negotiable, and will not
exceed $2,500. Once plan assets reach a level where the percentage of assets would result in a
higher fee than the agreed upon minimum, this minimum fee will cease to apply.

Plan sponsors are invoiced in arrears at the end of each calendar quarter when billed by CIGI.
Other payment schedules apply dependent on the record keeping firm’s schedule.

               FINANCIAL PLANNING (CONSULTING SERVICES) FEES

CIGI's Financial Planning fee is determined based on the nature of the services being provided
and the complexity of each client's circumstances. All fees are agreed upon prior to entering into
a contract with any client.

Our Financial Planning fees are calculated and charged on an hourly basis at a maximum $495
per hour. Although the length of time it will take to provide a Financial Plan will depend on each
client's personal situation, we will provide an estimate for the total hours and cost at the start of
the advisory relationship.

The client is billed upon completion of actual hours accrued. We do not accept deposits for
financial planning engagements.

                                  GENERAL INFORMATION

Termination of the Advisory Relationship: A client agreement may be canceled at any time, by
either party, for any reason. As disclosed above, certain fees are paid in advance of services
provided. Upon termination of any account, any prepaid, unearned fees will be promptly
refunded. In calculating a client's reimbursement of fees, we will pro rate the reimbursement
according to the number of days remaining in the billing period.

CIGI and its IARs or employees intend to act or are acting as an investment advisor or
investment advisor representative in respect to the client's Account. CIGI or its IARs will
provide specialized services or investment advice different from that which is customarily
provided where commissions or similar fees (e.g. markups or markdowns) are paid on a
transaction-by-transaction basis.

CIGI may, from time to time and at its discretion, compensate any of its IARs or employees.

Mutual Fund Fees:  All fees paid to CIGI for investment advisory and financial planning services
are separate and distinct from the fees and expenses charged by mutual funds and/or ETFs to
their shareholders. These fees and expenses are described in each fund's prospectus. These fees
will generally include a management fee, other fund expenses, and a possible distribution fee. If
the fund also imposes sales charges, a client may pay an initial or deferred sales charge. A client
could invest in a mutual fund directly, without our services. In that case, the client would not
receive the services provided by our firm which are designed, among other things, to assist the
client in determining which mutual fund or funds are most appropriate to each client's financial
condition and objectives. Accordingly, the client should review both the fees charged by the
funds and our fees to fully understand the total amount of fees to be paid by the client and to
thereby evaluate the advisory services being provided.

Many mutual funds offer multiple share classes, including those expressly designed for, or made
available to clients in fee-based advisory programs. CIGI will invest in those share classes
designed for advisory accounts. In instances where a fund family does not offer these share
...

Item 7      Types of Clients

CIGI provides advisory services to the following types of clients:

    •    Individuals (other than high net worth individuals)
    •    High net worth individuals
    •    Pension and profit-sharing plans (other than plan participants)
    •    Charitable organizations
    •    Corporations or other businesses entities such as Partnerships or LCCs
    •    Trusts and Estates

CIGI does not impose a minimum account size for investment advisory accounts. We do charge
a negotiable minimum annual fee not to exceed $2,500 for our Pension Consulting service.