Curafin Advisors LLC

Item 5     FEES AND COMPENSATION

Fees for Plan advisory services and Plan consulting services are negotiated prior to the signing
of an agreement with the specific Plan client. The fees for Plan advisory services and Plan
consulting services may be a flat fee, a project or an asset-based fee expressed as a percentage
of total Plan client assets. The fee for these services does vary among clients, depending upon
various objective and subjective factors; such as the amount of the Plan Client’s assets, the
complexity of the engagement, and the level and scope of the overall investment advisory and/or
consulting services to be rendered. As a result of these factors, these services to be provided by
CuraFin Advisors to any particular Plan client could be available from other advisers at lower or
higher fees.

Assets Under Management Fee
Asset-based fees are charged as set forth in the investment advisory agreement between the
Plan Client and CuraFin. Following is the standard asset-based fee schedule for CuraFin:

                                                       Annual Management Fee as a Percentage of
            Assets Under Management
                                                               Assets Under Management
                The first $500,000.00                                   1.00%
   The portion from $500,000.01-$1,000,000.00                           0.75%
  The portion from $1,000,000.01-$5,000,000.00                          0.50%
 The portion from $5,000,000.01-$10,000,000.00                          0.40%
 The portion from $10,000,000.01-$20,000,000.00                         0.30%
         The portion over $20,000,000.01                                0.15%

Such fees are incremental and accordingly, are charged on a "waterfall." By way of example, a
Plan client with One Million Dollars ($1,000,000) in assets under management would be charged
One Percent (1.00%) on the first Five Hundred Thousand Dollars ($500,000), and Three-Quarter
Percent (0.75%) on the remaining Five Hundred Thousand Dollars ($500,000) of assets under
management.
If the Plan Client is a “start-up” (meaning no assets in the plan at time of initial engagement), in
addition to the waterfall fee schedule described above, a $2500 annualized fee will be applied for
the first three years. The advisor will work with the Plan Client to determine if and when charges
will apply.

For Plan Clients participating in the My401(k) Pooled Employer Plan (PEP), the following asset-
based fee schedule applies depending on the level of services elected by the Plan Client:

   I.       Discretionary Investment Fiduciary Services, 3(38) ONLY:
                                                    Annual Management Fee as a Percentage of
             Assets Under Management
                                                           Assets Under Management
                  Up to $5,000,000                                  0.15%
             $5,000,000.01-$25,000,000                                   0.12%
             $25,000,000.01-$50,000,000                                  0.08%
              $50,000,000.01 and above                                   0.05%

   II.      Retirement Plan Consulting Services:
                                                    Annual Management Fee as a Percentage of
             Assets Under Management
                                                           Assets Under Management
                 $0.01 - $250,000.00                                1.00%
           From $250,000.01-$1,000,000.00                           0.92%
          From $1,000,000.01-$3,000,000.00                          0.69%
          From $3,000,000.01-$5,000,000.00                          0.59%
         From $5,000,000.01-$10,000,000.00                          0.51%
         From $10,000,000.01-$20,000,000.00                         0.43%
         From $20,000,000.01-$50,000,000.00                         0.33%
              $50,000,000.01 and above                              0.25%

Such fees are not on a “waterfall” schedule. By way of example, a Plan client using 3(38) Only
Services (Table I above), with Three Million Dollars ($3,000,000) in assets under management
would be charged 0.15%, or $4,500 annually.

A Plan client also using Retirement Plan Consulting Services will be charged an aggregate fee
based on the applicable tier in both Schedule I and Schedule II above. By way of example, a Plan
client with Three Million Dollars ($3,000,000) in assets under management would be charged
0.84% (0.15% from Table I plus 0.69% from Table II), or $25,200 annually.

For Plan Clients participating in The NACC Assocation Pooled Employer Plan (PEP), the following
asset- based fee schedule applies depending on the level of services elected by the Plan Client:

   I. Discretionary Investment Fiduciary Services, 3(38) ONLY:
                                                    Annual Management Fee as a Percentage of
             Assets Under Management
                                                           Assets Under Management
             $0.01 - $5,000,000                                     0.25%
             $5,000,000.01-$25,000,000                                   0.22%

            $25,000,000.01-$50,000,000                                  0.18%
           $50,000,000.01 and above                                     0.15%

   II. Retirement Plan Consulting Services:
                                                    Annual Management Fee as a Percentage of
           Assets Under Management
                                                           Assets Under Management
           $0.01 - $500,000.00                                      1.00%
           $500,000.01-$1,000,000.00                                0.75%
           $1,000,000.01-$5,000,000.00                              0.50%
           $5,000,000.01-$10,000,000.00                             0.40%
...

Item 7     TYPES OF CLIENTS

CuraFin Advisors provides advisory related services to Plans subject to the provisions of ERISA.
CuraFin Advisors typically requires Plan Clients to place at least $1,000,000 under the Firm's
management as a condition to establishing an advisory relationship. CuraFin Advisors, in its sole
discretion, may waive or reduce its minimum asset requirement based upon certain criteria such
as: anticipated future earning capacity, anticipated future additional assets, related accounts,
account composition, or as negotiated with clients. In addition, CuraFin Advisors reserves the
right to accept or decline a potential Plan Client for any reason in its sole discretion.