Creative Financial Designs Inc

ITEM 5: FEES AND COMPENSATION

Advisory fees are as set forth below with respect to the various programs and
services. Fees may be negotiable depending on such factors as, without limitation,
special needs or requirements of the client and/or the complexity or simplicity of
the work required.

Clients may elect to pay their fees through various methods, including:

   o Customer invoice and payment
   o Direct charge to bank account, credit card or debit card
   o Direct charge to account held with Creative or its affiliates

Creative does not charge performance-based fees under any advisory program,
nor does it share or participate in the gains or losses of client accounts.

The firm shall be paid such compensation for its services, and in such manner, as
described below. Until paid, the fees and expenses charged by the firm shall
constitute a lien upon the assets of the client’s managed account. In the event that
additional assets are deposited into a client’s managed account during a fee
period, the firm may, but is not obligated to charge the client an additional fee in
respect of the value of the additional assets, prorated for the number of days
remaining in such fee period. In connection with any withdrawal of assets from a
client’s managed account or upon termination of the client’s Investment
Management Agreement, the firm retains the right to complete any transactions
initiated or open as of the time thereof and to retain amounts in the client’s
managed account sufficient to effect such completion and to satisfy any amounts
owing by such client to the firm under the client’s Investment Management
Agreement, however and whenever arising.

To the extent permitted by law, cfd Investments, Inc., the affiliated broker/dealer of
the firm, receives compensation from the client for services provided to the client’s
account, and the exercise of discretion may affect services provided by and
compensation paid to its affiliate. Such compensation includes, without limitation,
ticket charges, asset-based pricing fees, custodial fees, or other miscellaneous
charges, paper delivery fees, including revenue share arrangements between cfd
Investments, Inc. and applicable custodians. The firm shall consider options that
limit such charges, and shall only engage in transactions that involve such charges
when it is deemed by the firm that such transactions are in the best interests of the
client, in accordance with the firm’s fiduciary duty.

More specifically, Clients pay certain fees and charges that are in addition to firm’s
fees. Such fees and charges, as applicable, include, but are not necessarily limited
to:

   •   Certain dealer-markups and odd-lot differentials, transfer taxes, exchange
       fees mandated by the Securities Exchange Act of 1934, and any other

       charges imposed by law with regard to any transactions in the client’s
       account;
   •   Management and other fees on open-end and closed-end fund shares and
       UITs;
   •   Individual Retirement Accounts (IRA) fees and qualified retirement plan
       account fees;
   •   Margin interest and Options fees;
   •   Custodial fees such as and not limited to account fees, check reordering
       costs and fees, and other add-on features with charges;
   •   Platform-based fees;
   •   Statement Fee/Paper delivery fee;
   •   Any contingent deferred sales charge assessed by a product issuer;
   •   Other product company fees and expenses, including 12b-1 fees, custodial
       fees, and other expenses.

Further, the advisory fee charged by the firm for the client’s account is in addition
to the fees charged by product issuers for certain products, including open-end
funds, closed-end funds, ETFs, UITs, Variable annuity sub accounts, etc. To the
extent that a client directs Creative to purchase particular investments, or restricts
Creative from selling particular investments for an extended period of time, it may
be more economical for the client to hold the investment in a non-managed
account. Additionally, such restrictions may increase the risk profile of the account.
Clients are advised that holding such restricted assets in the Account will result in
an obligation to pay management fees, transaction fees and custodial fees, as
applicable. To the extent that the customer is charged 12b-1 fees by a mutual fund
issuer based on funds maintained in the account, Creative shall not receive any
compensation with respect to such fees. cfd Investments, Inc., if selected as the
broker/dealer associated with the account, shall retain such 12b-1 fees, but only if
the custodian cannot return those fees to the client account. Neither Creative nor
any of its affiliates receives any 12b-1 compensation if cfd Investments, Inc. is not
the broker/dealer associated with the account. To the extent that another
broker/dealer is associated with the account, the 12b-1 fee would be paid to that
broker/dealer, and if that is the case, Creative would not be able to effect a refund
of such fee on behalf of the client. Any such refunds would be subject to the
policies and procedures of that broker/dealer.

Brokerage Management – Custodial Fee

For managed brokerage accounts that are maintained at NFS, there is a custodial
fee charged based on all assets in the client’s account. The custodial fee is
charged as set forth in account-establishing documents, and is subject to a
minimum. Fees are calculated and charged monthly using the average daily
account balance for all assets in the client’s account, and are billed in arrears. This
calculation is subject to an $8 monthly minimum fee. The custodial fee covers
transaction costs.

cfd Investments, Inc., an affiliate of firm, charges this fee, and pays NFS for its
custodial services in connection with client accounts. CFD retains a portion of the
custodial fee as its compensation to act as a broker/dealer regarding these
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ITEM 7: TYPES OF CLIENTS
Creative provides advisory services to retail and institutional investors, individuals,
including high net worth individuals, trusts and estates, and business entities, such
as charitable organizations, as well as to employer retirement and pension plans.
For account minimums, see Descriptions and Account Minimums and review the
particular service.