Certified Planners Inc

Item 5: Fees and Compensation

A complimentary consultation is offered to prospective Clients to discuss their
specific financial needs and determine if CPI’s services would suit those needs.

Fees for AIM services are computed at the annualized rate of 1% of assets under
management, which is subject to a $5,000 minimum annual fee. The fee is applied to
all securities and cash balances in the account(s). If the account(s) is margined, the
fee is applied to the full market value.

One fourth (1/4) of the annualized fee will be payable quarterly in arrears. Payments
are due and assessed after the end of each calendar quarter based on the value of the
assets under management as of the close of business on the last business day of that
quarter. The quarterly fee may be adjusted for additional deposits and/or withdrawals
during the quarter and is based on the number of days in the calendar quarter that the
assets were in the account. Fee adjustments under $20 for individual deposits and
withdrawals are disregarded. In the event the Agreement is executed at any time
during the quarter, the first payment will be assessed on a pro rata basis.

Client may pay fees directly to CPI or authorize the Custodian to deduct CPI fees for
AIM services directly from Client account(s) in accordance with invoices prepared and
submitted to the Custodian by CPI. The Custodian will provide periodic account
statements to Client reflecting all fee withdrawals by CPI in accordance with a Fee
Payment Authorization. It is Client's responsibility to verify the accuracy of the fee
calculation. The Custodian will not determine whether the fee is properly calculated.

Fees for Financial Plans or Consultations are computed at the rate of $300 an hour.
Retainer is due upon signing the Advisory Agreement and the balance is due upon
delivery of the Financial Plan or Consultation based on actual time. Fees quoted are
for advisory services only, and do not include any transaction fees, custodial fees, or
commissions that the Client may pay to broker/dealers or for insurance services. See
the section heading Brokerage Practices for more information.

Fees are not collected for services to be performed more than six months in advance.
Fees are negotiable at CPI’s discretion. Fees are waived for employees of CPI and
Account Accommodation Clients whose assets under management do not exceed a
minimum of $50,000. See additional fee disclosure in the Account Minimum section.

In addition to fees paid for CPI advisory services, Client also pays brokerage
transaction fees, custodial fees, internal fees/charges for exchange traded funds
(ETFs)/mutual fund, and other similar charges from the assets in the Account or
directly if billed separately to Client.

AIM services will continue until CPI or Client provides a written notification of intent to
terminate this Agreement. Client agrees that CPI has ten (10) business days to terminate
this Agreement after receipt of notification. As of the date of termination, CPI will no
longer provide AIM services. Client will be invoiced for fees due on a pro-rata basis, if
termination occurs prior to the end of the calendar quarter.

Upon termination, it will be Client's responsibility to communicate with the Custodian
regarding any action to be taken on their account, including the final disposition, unless
Client specifically notifies CPI to liquidate or take any other action prior to the termination
date. If CPI is still listed as the advisor of record with Custodian thirty (30) calendar days
after termination date, CPI will instruct the Custodian to remove its association with the
account.

For a Financial Plan or Consultation, this Agreement terminates upon delivery of
the service, at which time no refunds will be made, and all fees will be due and
payable. However, if CPI or the Client provides written notification of intent to
terminate this Agreement prior to delivery of services, CPI and the Client agree that
the Agreement will terminate ten (10) business days after receipt of such notification.
In that case, a refund of the unearned fees will be made, or client will be billed for
fees due based on time and effort expended before termination.

Notwithstanding the foregoing, for a period of up to 6 months after termination, this
Agreement can be reinstated under the same terms of this Agreement to address
updates falling within the same scope of advisory services previously delivered under
this Agreement. Reinstatement will be determined at the sole discretion of CPI. The
reinstated Agreement will automatically terminate upon delivery of service at which
time no refunds will be made, and all fees will be due and payable. If this Agreement is
not reinstated, Clients will need to re-engage CPI under a new agreement for
additional advisory services.

The Advisory Agreement contains a pre-dispute arbitration clause. Client understands
that the agreement to arbitrate does not constitute a waiver of the right to seek a
judicial forum where such a waiver would be void under the federal securities laws.
Arbitration is final and binding on the parties.

Item 7: Types of Clients and Account Minimums

CPI provides advisory services to individuals, trusts, estates, corporations, and ERISA plan
participants.

For AIM services, CPI generally requires a $500,000 minimum for assets under
management. Account Accommodation Clients have no minimum portfolio
requirement, other than being related to a Client that does meet a higher dollar
threshold. Fees for Account Accommodation Clients will be waived until their assets
under management exceed a minimum of $50,000.

For AIM services, CPI generally requires a $5,000 minimum annual fee. There is no
minimum annual fee for Account Accommodation Clients or Clients engaging CPI
for a Financial Plan or Consulting.