Courage Miller Partners LLC

Item 5           Fees and Compensation

   A. Clients can engage Courage Miller to provide investment advisory services on a fee-only basis as
      described below:

         INVESTMENT ADVISORY SERVICES
         Courage Miller’s annual investment advisory fee is generally based on a percentage (%) of the total
         market value of all related portfolios placed under Courage Miller’s direct management as follows:

         Client Portfolio Value                                    Annual Advisory Fee
         $0 to less than $250,000                                  1.25%
         $250,000 to less than $500,000                            1.15%
         $500,000 to less than $1,000,000                          1.00%
         $1,000,000 to less than $2,000,000                        0.90%
         $2,000,000 to less than $5,000,000                        0.80%
         $5,000,000 and greater                                    Negotiable

         This fee schedule is based on the total assets under management. Clients do not incur separate fees
         at each tier. For example, a client that has $400,000 assets under management would pay an annual
         fee of 1.15% (rather than 1.25% on the first $250,000 and 1.15% on the amount over $250,000).

         Unless Courage Miller expressly agrees otherwise in writing, account assets consisting of cash and
         cash equivalent positions are included in the value of an account’s assets for the purpose of
         calculating this fee. Clients can advise Courage Miller not to maintain (or to limit the amount of)
         cash or cash equivalent positions in their account. Courage Miller’s investment advisory fee is
         negotiable in limited circumstances at Courage Miller’s sole discretion, depending upon objective
         and subjective factors including but not limited to: the amount of assets to be managed; portfolio
         composition; the scope and complexity of the engagement; the anticipated number of meetings and
         servicing needs; related accounts; future earning capacity; anticipated future additional assets; the
         professionals providing the service; prior or family relationships with Courage Miller and its
         representatives, and discussions with the client. Courage Miller may also agree to aggregate
         account values for related clients (such as spouses and minor children sharing the same residence)
         for the purpose of reducing the overall fee. Certain clients may have accepted different service

    offerings from Courage Miller and may therefore receive services under different fee schedules
    than as set forth above. As a result of these factors, similarly situated clients could pay different
    fees, the services to be provided by Courage Miller to any particular client could be available from
    other advisers at lower fees, and certain clients may have fees different than those specifically set
    forth above.

    FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)
    Courage Miller’s financial planning and consulting fees are negotiable but generally range from
    $2,500 to $10,000 on a fixed fee basis, and from $200 to $500 on an hourly rate basis, depending
    upon the level and scope of the services required and the professionals rendering the services.

    RETIREMENT PLAN SERVICES
    The terms and conditions of Courage Miller’s retirement plan consulting engagement are set forth
    in a Retirement Plan Consulting Agreement between Courage Miller and the plan sponsor. Courage
    Miller’s negotiable annual fee for retirement plan services is based upon a percentage of the market
    value of assets held by the plan. This fee generally ranges between 0.10% and 0.60% of the market
    value of the plan assets and depends on the scope and complexity of the services requested.

B. Clients may elect to have Courage Miller’s advisory fees deducted from their custodial account.
   Both Courage Miller’s investment advisory agreement and the custodial / clearing agreement may
   authorize the custodian to debit the account for the amount of Courage Miller’s investment advisory
   fee and to directly remit that management fee to Courage Miller in compliance with regulatory
   procedures. In the limited event that Courage Miller bills the client directly, payment is due upon
   receipt of Courage Miller’s invoice. Courage Miller deducts fees or bills clients quarterly in
   advance, based upon the market value (including accrued earnings like accrued interest and
   dividends) of the assets on the last business day of the previous quarter, adjusted for time-weighted
   inflows and outflows exceeding one hundred dollars.

C. Courage Miller generally recommends Charles Schwab and Co., Inc. (“Schwab”) or Fidelity Inc.
   (“Fidelity”) and their respective affiliated entities serve as the broker-dealers/custodians for client
   investment management assets. Broker-dealers charge transaction fees for executing certain
   securities transactions according to their fee schedule and they or their affiliated or unaffiliated
   custodians impose additional charges for custodial services and other fees associated with
   maintaining the client’s account. Without limiting the foregoing, clients may be required to pay
   certain charges and administrative fees related to their investment advisory accounts, including, but
   not limited to transaction charges (including mark-ups and mark-downs), prime brokerage charges
   resulting from trades executed through or with a broker-dealer other than the designated broker-
   dealer/custodian, transfer taxes, transfer or wiring fees, odd lot differentials, exchange fees, interest
   charges, American Depositary Receipt fees, and any charges, taxes or other fees mandated by any
   federal, state or other applicable law or otherwise agreed to with regard to client accounts. For
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Item 7           Types of Clients

         Courage Miller’s clients generally include individuals, high net worth individuals, charitable
         organizations, corporations and other entities, pensions and profit sharing plans. Courage Miller
         does not impose any mandatory requirements for opening or maintaining investment advisory
         accounts. Courage Miller, in its sole discretion, may reduce or waive its fees based upon various
         factors including but not limited to the amount of assets to be managed; account composition; the
         scope and complexity of the engagement; the anticipated number of meetings and servicing needs;
         related accounts; future earning capacity; anticipated future additional assets; the professionals
         rendering the services; and negotiations with the client.