Financial Decisions LLC

Item 5           Fees and Compensation
         The client can determine to engage Financial Decisions to provide discretionary and/or
         non-discretionary investment advisory services on a negotiable fee basis.

         INVESTMENT ADVISORY SERVICES
         In the event the client determines to implement investment recommendations through
         Financial Decisions on a negotiable fee basis, Financial Decisions shall charge an annual
         investment management fee based upon: (1) a percentage of the market value of the assets
         being managed by Financial Decisions; (2) a disclosed hourly rate; or (3) an agreed upon
         fixed fee. For those clients that engage Financial Decisions to provide investment
         supervisory services based upon a percentage of the market value of the assets under
         management, the investment management fee charged shall generally be one percent
         (1.00%) of the market value of the assets under management.

         Fee Dispersion:
         Financial Decisions’ investment advisory fee is negotiable at its discretion, depending
         upon objective and subjective factors including but not limited to: the amount of assets to
         be managed; portfolio composition; the scope and complexity of the engagement; the
         anticipated number of meetings and servicing needs; related accounts; future earning
         capacity; anticipated future additional assets; the professional(s) rendering the service(s);
         prior relationships with Financial Decisions and/or its representatives, competition, and
         negotiations with the client. As a result of these factors, similarly situated clients could pay
         different fees, the services to be provided by Financial Decisions to any particular client
         could be available from other advisers at lower fees, and certain clients may have fees
         different than those specifically set forth above. Financial Decisions’ Chief Compliance
         Officer, Kenneth Gutwillig, remains available to address any questions that a client
         or prospective client may have regarding the above fee determination.

    FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)
    To the extent specifically requested by a client, Financial Decisions shall generally provide
    financial planning and/or consulting services (including investment and non-investment
    related matters, including estate planning, insurance planning, etc.) on a stand-alone
    separate fee basis. Financial Decisions’ planning and consulting fees are negotiable, but
    generally range from $17,500.00 to $50,000.00 on a minimum fixed fee basis, and from
    $125.00 to $925.00 on an hourly rate basis, depending upon the level and scope of the
    service(s) required and the professional(s) rendering the service(s). Before engaging
    Financial Decisions to provide planning or consulting services, clients are generally
    required to enter into a Financial Planning and Consulting Agreement with Financial
    Decisions setting forth the terms and conditions of the engagement (including termination),
    describing the scope of the services to be provided, and the portion of the fee that is due
    from the client before Financial Decisions commencing services.

A. Clients may elect to have Financial Decisions’ advisory fees deducted from their custodial
   account. Both Financial Decisions’ Investment Advisory Agreement and the
   custodial/clearing agreement may authorize the custodian to debit the account for the
   amount of Financial Decisions’ investment advisory fee and to directly remit that
   management fee to Financial Decisions in compliance with regulatory procedures. In the
   limited event that Financial Decisions bills the client directly, payment is due upon receipt
   of Financial Decisions’ invoice. Financial Decisions shall deduct fees and/or bill clients
   quarterly in advance, based upon the market value of the assets on the last business day of
   the previous quarter. Financial Decisions shall adjust quarterly advisory fees for intra-
   period additions or withdrawals from managed accounts.
B. As discussed below, unless the client directs otherwise or an individual client’s
   circumstances require, Financial Decisions shall generally recommend Schwab or Fidelity.
   Schwab and/or Fidelity serve as the broker-dealer/custodian for client investment
   management assets. Broker-dealers such as Schwab and/or Fidelity charge brokerage
   commissions and/or transaction fees for effecting certain securities transactions (i.e.
   transaction fees are charged for certain no-load mutual funds, fixed income securities
   transactions). Clients will incur, in addition to Financial Decisions’ investment
   management fee, brokerage commissions and/or transaction fees, and, relative to all mutual
   fund and exchange traded fund purchases, charges imposed at the fund level (e.g.
   management fees and other fund expenses). Client accounts may be subject to early mutual
   fund redemption fees if certain mutual funds are not held in a portfolio for the minimal
   required amount of time after purchase. When beneficial to client, individual debt or equity
   transactions may be effected through broker-dealers with whom Financial Decisions or the
   client have entered into arrangements for prime brokerage clearing services (in which
   event, the client shall incur both the transaction fee charged by the executing broker-dealer
   and a “tradeaway” fee charged by the custodian, Schwab and/or Fidelity). In addition, the
   investment management fees charged by the designated Independent Manger(s), together
   with the fees charged by the corresponding designated broker-dealer/custodian of the
   client’s assets are, exclusive of, and in addition to, Financial Decisions’ ongoing investment
   advisory fee. Client accounts that are managed by Independent Managers have the option
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Item 7           Types of Clients

         Financial Decisions’ clients generally include individuals, high net worth individuals,
         pension and profit sharing plans, corporations, business entities, and charitable
         organizations. Financial Decisions will generally require a minimum account size of
         $1,000,000.00 for such investment supervisory services. Financial Decisions, in its sole
         discretion, may charge a lesser investment management fee or reduce or waive its minimum
         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, competition, negotiations with client, etc.). In addition, certain Independent
         Manager(s) may impose varying minimum account values upon Financial Decisions’
         clients.

         ANY QUESTIONS: Financial Decisions’ Chief Compliance Officer, Kenneth
         Gutwillig, remains available to address any questions that a client or prospective
         client may have regarding advisory fees.