Creative Capital Management Investments LLC

Item 5    Fees and Compensation

                       INVESTMENT ADVISORY SERVICES

                       CCMI’s annual investment advisory fee is based on a percentage (%) of the
                       market value of the assets placed under CCMI LLC’s management. The current
                       annual fee for CCMI LLC investment advisory services is billed in arrears in
                       quarterly installments based on the average daily balance of the portfolio per
                       quarter as follows:

                       1.0% of assets valued between $0 and $1 million
                       0.80% of assets valued between $1,000,001 and $2 million
                       0.60% of assets valued between $2,000,001 and $3 million
                       0.40% of assets in excess of $3 million

                       Unless authorized to be debited directly from the client’s account, investment
                       advisory fees are due upon receipt of the invoice and are non-negotiable. Any
                       changes to this fee schedule will be sent to clients at least thirty days in advance.

                       Cash Positions. CCMI LLC treats cash as an asset class. As such, unless
                       determined to the contrary by CCMI LLC, all cash positions (money markets,
                       etc.) shall be included as part of assets under management for purposes of
                       calculating CCMI LLC’s advisory fee. At any specific point in time, depending
                       upon perceived or anticipated market conditions/events (there being no
                       guarantee that such anticipated market conditions/events will occur), CCMI LLC
                       may maintain cash positions for defensive purposes. In addition, while assets
                       are maintained in cash, such amounts could miss market advances. Depending
                       upon current yields, at any point in time, CCMI LLC’s advisory fee could exceed
                       the interest paid by the client’s money market fund.

                       When a managed portfolio is established, the first quarterly investment advisory
                       fee will be billed at the end of the first quarter and will be prorated for the time
                       the funds were under CCMI LLC’s direction based on the average daily balance
                       during the quarter. CCMI reserves the right to charge a portfolio setup fee. In the
                       event that the client is subject to portfolio setup fee, the client could pay a higher
                       percentage fee than referenced above, in the period that the setup fee is
                       charged.

                       The ideal minimum portfolio size at CCMI LLC is $500,000; however, depending
                       on the relationship the client or their family has with the firm, smaller portfolios
                       maybe accommodated on a specialized basis. CCMI LLC may, but is not
                       required to, include one or more related families for the purposes of determining
                       advisory fees (often referred to as “householding”). CCMI LLC is under no
                       obligation to household any client accounts. CCMI LLC shall generally price its
                       advisory services based upon various objective and subjective factors. As a
                       result, our clients could pay diverse fees based upon the type, amount and
                       market value of their assets, the anticipated complexity of the engagement, the
                       anticipated level and scope of the overall investment advisory services to be
                       rendered. Additionally, CCMI LLC, in its discretion, may charge a lesser
                       investment advisory fee, charge a flat fee, waive its fee entirely, or charge fee on
                       a different interval, based upon certain criteria (i.e. anticipated future earning
                       capacity, anticipated future additional assets, dollar amount of assets to be

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                       managed, related accounts or households, account composition, complexity of
                       the engagement, anticipated services to be rendered, grandfathered fee
                       schedules, employees and family members, courtesy accounts, competition,
                       negotiations with client, etc.). Please Note: As result of the above, similarly
                       situated clients could pay different fees. In addition, similar advisory services
                       may be available from other investment advisers for similar or lower fees. ANY
                       QUESTIONS: CCMI LLC’s Chief Compliance Officer, Brian Matter, remains
                       available to address any questions that a client or prospective client may have
                       regarding advisory fees.

                       FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)
                       For Investment Advisory clients with liquid assets in excess of $4 million, Financial
                       Planning services are provided to the client for no additional fee. For all other
                       clients, CCMI LLC’s planning and consulting fees are negotiable, but generally
                       range from $2,500 to $10,000, depending on the number of hours involved.
                       Hourly fees range from $90 to $310 depending upon the level and scope of the
                       services required and the professional rendering the services. Prior to engaging
                       CCMI LLC to provide financial planning or consulting services, clients are required
                       to sign a Financial Planning and Consulting Agreement with CCMI LLC setting
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Item 7    Types of Clients

                       CCMI LLC’s clients generally include individuals, pension and profit sharing plans,
                       business entities, trusts, and estates. Item 5 above contains additional information
                       about CCMI LLC’s minimum fees and account minimums. CCMI LLC shall
                       generally price its advisory services based upon various objective and subjective
                       factors. As a result, our clients could pay diverse fees based upon the type,
                       amount and market value of their assets, the anticipated complexity of the
                       engagement, the anticipated level and scope of the overall investment advisory
                       services to be rendered. Additionally, CCMI LLC, in its discretion, may charge a
                       lesser investment advisory fee, charge a flat fee, waive its fee entirely, or charge
                       fee on a different interval, based upon certain criteria (i.e. anticipated future
                       earning capacity, anticipated future additional assets, dollar amount of assets to
                       be managed, related accounts or households, account composition, complexity
                       of the engagement, anticipated services to be rendered, grandfathered fee
                       schedules, employees and family members, courtesy accounts, competition,
                       negotiations with client, etc.). Please Note: As result of the above, similarly
                       situated clients could pay different fees. In addition, similar advisory services may
                       be available from other investment advisers for similar or lower fees. ANY
                       QUESTIONS: CCMI LLC’s Chief Compliance Officer, Brian Matter, remains
                       available to address any questions that a client or prospective client may have
                       regarding advisory fees.