DHJJ Financial Advisors Ltd

Item 5 – Fees and Compensation

                                   INDIVIDUAL SUPERVISORY SERVICES
                               INDIVIDUAL PORTFOLIO MANAGEMENT FEES

The annualized fee for Investment Supervisory Services will be charged as a percentage of assets under
management, according to the following schedule:

Assets Under Management                                                             Annual Fee
$250,000 BUT LESS THAN $500,000                                                    1.50% (.0150)
$500,000 BUT LESS THAN $1,000,000                                                  1.25% (.0125)
$1,000,000 BUT LESS THAN $2,000,000                                                1.00% (.0100)
$2,000,000 BUT LESS THAN $5,000,000                                                0.75% (.0075)
$5,000,000 BUT LESS THAN $10,000,000                                               0.65% (.0065)
$10,000,000 OR MORE                                                                0.50% (.0050)

Although we do not have a minimum account size, if a client maintains less than $250,000 of assets under DHJJ
Financial Advisor’s management, an annual fee of 1.75% will be charged. We may group certain related client
accounts for the purposes of determining the annualized fee. Exceptions to the published fee schedule may be
considered on a case-by-case basis. Fees may vary from the above schedule depending upon the extent of the
services provided and the cost of such services.

Fee schedules can be complex and difficult to understand. Many financial advisors utilize a “tiered” fee
schedule when calculating their investment advisory fees. DHJJ Financial Advisors utilizes a “straight
percentage” method when calculating our investment advisory fees. The following example illustrates the
difference between the two methods:

  Fee Schedule Example
  Tiered                                               Straight Percentage*
  $250,000 to $500,000.................... 1.50%       Assuming the same fee schedule, but
  $500,000 to $1,000,000. ................ 1.25%       utilizing a “straight percentage” method
  $1,000,000 to $2,000,000 .............. 1.00%        (rather than tiered), the same client would
  $2,000,000 to $5,000,000 .............. 0.75%        only pay $15,000 ($1,500,000 x 1.00%) in
                                                       advisory fees annually or $3,750 quarterly.
  A client with a $1,500,000 portfolio would
  pay $18,750 ($7,500 + $6,250 + $5,000) in            *DHJJ Financial Advisors utilizes a “straight
  advisory fees annually, or $4,687.50                 percentage” method.
  quarterly.

Management fees are billed quarterly, in advance, at the beginning of each calendar quarter based upon the
total market value of the client’s account at the end of the previous quarter. Fees will be debited from the
account in accordance with the client authorization in the Investment Advisory Agreement. Fees are
calculated on the basis of total market value of the client’s account at the time the account is opened through
DHJJ Financial Advisors and quarterly thereafter based on the account valuation on the last business day of
the preceding quarter. Management fees on new accounts will be payable in advance for the remainder of
the current quarter on a pro rata basis. Collected but unearned management fees are refundable to the client
on a pro rata basis if the agreement is terminated.

All management fees paid to DHJJ Financial Advisors for investment supervisory services are separate from
the fees and expenses charged to shareholders of mutual fund shares by the mutual funds and a complete
explanation of these expenses charged by the mutual funds is contained in each mutual fund’s prospectus.
Clients are encouraged to read the fund prospectus. Clients may also be assessed transaction charges by
Charles Schwab & Co., Inc., when purchasing or redeeming securities.

Fee Dispersion. DHJJ Financial Advisors, 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 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.

Please Also Note: In the event that the client is subject to an annual minimum fee, the client could pay a
higher percentage fee than referenced above. ANY QUESTIONS: DHJJ Financial Advisors’ Chief Compliance
Officer, Camilla Corso, remains available to address any questions that a client or prospective client may have
regarding advisory fees.

Custodian Charges-Additional Fees. As discussed below at Item 12 below, when requested to recommend a
broker-dealer/custodian for client accounts, DHJJ Financial Advisors generally recommends that Schwab
serve as the broker-dealer/custodian for client investment management assets. Broker-dealers such as
Schwab charge brokerage commissions, transaction, and/or other type fees for effecting certain types of
securities transactions (i.e., including transaction fees for certain mutual funds, and mark-ups and mark-
downs charged for fixed income transactions, etc.). The types of securities for which transaction fees,
commissions, and/or other type fees (as well as the amount of those fees) shall differ depending upon the
broker-dealer/custodian. While certain custodians, including Schwab, generally (with exceptions) do not
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Item 7 – Types of Clients

DHJJ Financial Advisors does not maintain a minimum account size and provides advisory services to the
following types of clients: individuals (other than high net worth individuals); high net worth individuals;
pension, retirement, and profit sharing plans (other than plan participants); corporations, partnerships, LLC’s,
or other businesses, not listed above; etc.