Ernst & Young Investment Advisers LLP

Item 5 Fees and Compensation

EY Personal Finance
Fees for personal and EFS to group program Participants are generally negotiated between the
adviser and the Sponsor on a case-by-case basis. Fees are usually based upon one or more of the
following factors (i) a "per capita" eligible Participant amount, (ii) a "usage by Participants" amount,
(iii) the volume of calls by eligible Participants to the NPL, (iv) Participant demand for financial
planning software, (v) the number of financial analyses or workshops designed, presented and
completed by the adviser, or (vi) other negotiated factors. The adviser's fees in such engagements is
paid wholly by the Sponsor. Participants also may incur expenses for fees to any other investment
adviser they may consult (unless such expenses are paid for by a Sponsor) and will be responsible
for transaction charges imposed by broker-dealers through or with whom they effect transactions for
their accounts.

Termination and Refunds
All of the adviser's engagements with individuals are terminable by them at will, generally in
accordance with a specified notice period. If such a contract is terminated at any time, a pro rata
portion of any quarterly or other fee paid in advance is refunded.

Item 7 Types of Clients

Adviser generally provides investment advice to:

1. Individuals
2. Pension and profit-sharing plans
3. Trusts, estates, or charitable organizations
4. Corporations or business entities other than those listed above

In addition to the types of clients listed above, EY may provide a variety of financial education and
counseling services, including investment advice to the following groups, under engagement by a
sponsoring entity:

1. Executives
2. Employee groups
3. Beneficiaries of Retirement Plans and/or life insurance

Form ADV - Part 2A

Ernst & Young Investment Advisers LLP