Decision Investments Inc

ITEM 5 - FEES AND COMPENSATION:

Investment Advisory Services

   DII charges a fee as compensation for providing Investment Management services on your
   account. These services include advisory and consulting services, trade entry, investment
   supervision, and other account maintenance activities. The custodian may charge custodial

   fees, transaction costs, redemption fees, retirement plans and administrative fees or
   commissions. See Additional Fees and Expenses below.

   On occasion, a client may transfer in a position that may be subject to 12b-1 fees, however,
   DII is not collecting or sharing in these fees with the fund and a new share class will be
   considered if it is available and if it is in the client’s best interest.

   Our annual fee for investment management services provided under this Agreement shall be
   as follows:

   Assets under Management             Annual Fee                  Quarterly Fee
   under $100K                         $1,500 (not to exceed 2%)   $375 (not to exceed 2%)
   $100,000 to $500,000                1.50%                       0.375%
   $500,001 to $1,000,000              1.25%                       0.3125%
   $1,000,001 to $2,000,000            1.00%                       0.25%
   Over $2,000,000                     Negotiable                  Negotiable

The fees for accounts are based on an annual percentage of assets under management and are
applied to the account asset value on a pro-rated basis, billed quarterly in advance. Fees may vary
based on the size of the account, complexity of the portfolio, extent of activity in the account or
other reasons agreed upon by us and you as the client. In certain circumstances, our fees and
the timing of the fees may be negotiated. Contributions or withdrawals made during the quarter
of greater than $50,000 will be prorated based on the number of days monies were held by the
custodian. The fee is calculated on the market value of the account on the last day of the calendar
quarter and will cover the period from the first day of the calendar quarter through the last day of
the calendar quarter. The market value will be determined as reported by the Custodian. Fees
are assessed on all assets under management, including securities, cash and money market
balances.

At our discretion, we may add (aggregate) asset amounts in accounts from your same household
together to determine the advisory fee for all your accounts. We may do this, for example, where
we also service accounts on behalf of your minor children, individual and joint accounts for a
spouse, and/or other types of related accounts. This consolidation practice is designed to allow
you the benefit of an increased asset total, which could potentially cause your account(s) to be
assessed a reduced advisory fee based on the asset levels available in our fee schedule.

Method of Payment:

DII assesses its assets under management fee on a quarterly basis, payable in advance. Payment
of fees will be made by the custodian holding the Clients’ funds and securities provided that the
following requirements are met:

   a) The Client provides written authorization permitting the fees to be paid directly from the
      Client’s account held by the Custodian. The Adviser does not have access to Client funds for
      payment of fees without Client consent in writing.
   b) DII will send the custodian written notice of the amount of the fee to be deducted from the
      Client’s account; and
   c) DII must have a basis, after due inquiry, for believing that the custodian sends an account
      statement, at least quarterly, to each of DII’s clients for which it maintains funds or

      securities, identifying the amount of funds and each security in the account at the end of
      the period and setting forth all transactions in the account during that period.
   d) It is disclosed to the Client that it is the Client’s responsibility to verify the accuracy of the
      fee calculation, and that the custodian will not determine whether the fees are properly
      calculated.
   e) The custodian agrees to provide the Client with trade confirmations and account statements,
      at least quarterly, indicating amounts dispersed from the account including the amount of
      the advisory fee paid directly to DII. Client will request that DII receive duplicate account
      statements. Where available, electronic access by the custodian to such statements will be
      granted.

However, if the Client chooses to be billed directly, advisory fees will be due within 30 days of
receipt of an invoice.

Clients are hereby advised that all fees paid to DII for Investment Advisory services are separate
and distinct from the fees and expenses charged by mutual funds (as described in each fund’s
prospectus) to their shareholders. These fees will generally include a management fee and other
fund expenses. Further, transaction charges may be incurred when purchasing or selling securities.
DII does not share in any portion of the brokerage fees/transaction charges imposed by the
custodian holding the Client funds or securities. The Client should review all fees charged by
mutual funds, DII, and others to fully understand the total amount of fees to be paid by the Client.

The firm’s compensation is solely from fees paid directly by clients. The firm does not receive
commissions based on the client’s purchase of any financial product, including insurance. No
commissions in any form are accepted.

Either DII or you may terminate the management agreement, upon written notice to the other
party. The management fee will be pro-rated to the date of termination, for the quarter in which
the cancellation notice was given, and any unearned fees will be refunded to you. DII will instruct
the custodian to credit the account, or if the advisory account is closed, the firm will issue a check
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ITEM 7 - TYPES OF CLIENTS:

The Adviser provides advisory services to individuals, high net worth clients, non-profit
organizations, corporations or other business entities. Client relationships vary in scope and length
of service.

DII does not impose a minimum value or other conditions to open and maintain an Investment
Advisory account.