Compass Capital Corporation

Fees and Compensation
Description

Compass Capital Corporation bases its fees on a percentage of assets under
management and/or hourly charges. All fees are negotiable. The Investment Advisory
annual fee is based on a negotiation between the Compass Investment Advisor and the
client based on the relationship, needs and circumstances of the client and can be
adjusted by mutual agreement of the Advisor and Client. Financial plans are priced
based on time spent according to the degree of complexity associated with the
client’s situation.

Fee Billing
Investment management fees are billed quarterly, in arrears. Significant intra-quarter
flows may be prorated from the date of the flow. Fees are usually deducted by the
custodian from a designated client account to facilitate billing or payment is provided
directly by the client to Compass Capital Corporation.

Other Fees

Custodians may charge custody fees, generally based on the size and nature of the
account. There may also be charges for transactions of certain securities, small
accounts and/or account closing fees. These transaction charges are usually small and
incidental to the purchase or sale of a security. Compass Capital Corporation, 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.).

                                   Compass Capital Corporation

    Expense Ratios
    Mutual funds and exchange traded funds (ETFs) generally charge a management fee for
    their services as investment managers. These fees are in addition to the fees paid by you
    to Compass Capital Corporation.

    Past-Due Accounts and Termination of Agreement

    Compass Capital Corporation reserves the right to stop work on any account that is more
    than 30 days overdue. In addition, Compass Capital Corporation reserves the right to
    terminate any engagement where a client has willfully concealed or has refused to provide
    pertinent financial information when necessary and appropriate, in Compass Capital
    Corporation’s judgment.

Types of Clients
    Description
    Compass C a p i t a l C o r p o r a t i o n generally provides i n v e s t m e n t a d v i c e to
    individuals, pension and profit-sharing plans, trusts, estates, charitable organizations,
    and corporations or other business entities. Client relationships vary in scope and length
    of service.

    Methods of Analysis, Investment Strategies and Risk of Loss