Deane Retirement Strategies Inc

Item 5           Fees and Compensation

   A. Individual clients and company plan clients can engage Deane Retirement to provide
      discretionary investment advisory services on an annual fee basis. In the event that the fee
      is determined quarterly, in advance, based upon the market value of such assets on the last
      day of the previous quarter. Deane Retirement’s policy is to treat intra-quarter account
      additions and withdrawals equally and will charge for intra-quarter additions unless
      indicated to the contrary on Deane Retirement’s Investment Advisory Agreement executed
      by the client. Specifically, adjustments to billing will be made for additions or withdrawals
      exceeding 5% of a client’s total portfolio. The client’s fee will be prorated based on the
      days remaining in the quarter and the fee assigned to the client’s total portfolio value.

         Any individual client’s company sponsored retirement plan assets held in a “brokerage
         window” are aggregated with the client’s other managed assets for purposes of calculating
         Deane Retirement’s management fee. Individual client’s company sponsored retirement
         plan assets not held in a “brokerage window” are not aggregated with the clients other
         managed assets for purpose of calculating Deane Retirement’s management fee. These

401(k) accounts stand alone and will be billed at an annual rate of 0.25%, or 0.0625%
quarterly, of the value in those accounts. For billing calculations, any individual client’s
numbered account(s) valued below $100,000 will not be aggregated with that client’s
accounts over $100,000. Individual client accounts, under $100,000 stand alone and will
be billed at an annual rate of 1.00% of the asset value in those accounts. Individual client
accounts below $100,000 are not subject to the “Standard Fee Schedule.”

STANDARD DISCRETIONARY INVESTMENT ADVISORY SERVICES FOR
BOTH INDIVIDUAL CLIENTS AND COMPANY SPONSORED RETIREMENT
PLANS

If a client determines to engage Deane Retirement to provide discretionary investment
advisory services on a fee basis, Deane Retirement’s annual investment advisory fee will
be based upon a percentage (%) of the market value of all aggregated accounts valued at
$100,000 or greater that are placed under Deane Retirement’s management (between
0.50% and 1.25%,) with a minimum quarterly $3,125.00 advisory fee as follows:

      “Standard Fee Schedule” for both Individual Clients and
           Company Sponsored Retirement Plan Clients
                    Entire Portfolio                              Annual
                         Value                                    % Cost
              $    1,000,000 –1,499,999                            1.25
              $    1,500,000 –2,999,999                            1.20
              $    3,000,000 –4,999,999                            1.10
              $    5,000,000 –6,999,999                            1.00
              $    7,000,000 –9,999,999                            0.90
              $   10,000,000 –19,999,999                           0.80
              $   20,000,000 –29,999,999                           0.70
              $   30,000,000 –      0.60 on First $30,000,000 plus
                  and over          0.50 on amount over $30,000,000
                                    Under $1,000,000
                               Minimum Quarterly Fee $3,125

                        EXCEPTIONS TO THE “STANDARD FEE SCHEDULE”
                                          ABOVE:

                      Any individual client numbered account(s) valued below $100,000
                      will be billed at an annual rate of 1.00%, or 0.25% per quarter, of
                      the value of those account(s). These client’s numbered account(s)
                      under $100,000 will not be aggregated with the client’s accounts
                      over $100,000 for billing purposes. Individual client numbered
                      accounts below $100,000 are not subject to the “Standard Fee
                      Schedule” above.

                      401(k) Accounts managed by Deane Retirement that do not have a
                      “brokerage window” available, nor the option available for the
                      client to rollover the assets (via an In-Service Distribution,
                      severance of employment, or retirement) into an IRA, will be
                      charged an annual asset management fee of 0.20%, or 0.05%
                      quarterly. These client assets will not be aggregated with the
                      client’s other assets under management by Deane Retirement for
                      purposes of determining the client’s quarterly fee under the fee
                      schedule above.

    Deane Retirement’s annual investment advisory fee for the individual client compensates
    for investment advisory services, and, to the extent specifically requested by the client,
    financial and retirement planning and consulting services. In the event that either the
    individual client or the company retirement plan client requires extraordinary planning
    and/or consultation services (to be determined in the sole discretion of Deane Retirement),
    Deane Retirement may determine to charge for such additional services, the dollar amount
    of which will be set forth in a separate written notice to the client.

    Fee Dispersion. Deane Retirement, in its discretion, may charge a lesser or higher
    investment advisory fee, charge a flat fee, waive appliable minimum asset or minimum fee
    levels, 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, account composition, complexity of the
...

Item 7           Types of Clients

         Deane Retirement’s clients include generally: individuals, high net worth individuals,
         trusts, estates, pension and profit sharing plans, etc. Advisory fees and/or account
         minimums may vary among Deane Retirement’s clients based upon a number of factors,
         including the size of the client’s account, the types of investments, the nature of related
         services provided, and the length of the advisory relationship with a client, among other
         things. Deane Retirement will “household” or group together multiple accounts of one
         client relationship for purposes of calculating the fee (however, such “household” fee
         aggregation is limited to immediate family members (spouses and minor children) living
         within the same household. Under the “Standard Fee Schedule,” Deane Retirement
         generally requires a minimum quarterly advisory fee of $3,125.00 for Investment Advisory
         Services. Deane Retirement does not impose a minimum asset requirement and will not
         waive or reduce its minimum investment advisory fee Please Note: Clients who are
         subject to a quarterly minimum fee will pay a higher percentage annual fee than referenced
         in the above “Standard Fee Schedule.” Services may be available at a lower fee from
         another investment advisor.