Future Finances Inc

FEES AND COMPENSATION

  Description
     FFI bases its fees on a percentage of assets under management and/or a
     fixed fee. Financial plans are priced according to the degree of complexity
     associated with the client’s situation.

  Fee Billing
      Investment management fees are billed quarterly, in arrears, meaning that we
      invoice you after the three-month billing period has ended. Fees are usually
      deducted from a designated client account to facilitate billing. The client must
      consent in advance to direct debiting of their investment account.
      Fees for financial plans are billed 50% in advance, with the balance due upon
      delivery of the financial plan.

  Other Fees
      Custodians may charge transaction fees on purchases or sales of certain
      mutual funds and exchange-traded funds. These transaction charges are
      usually small and incidental to the purchase or sale of a security. The
      selection of the security is more important than the nominal fee that the
      custodian charges to buy or sell the security.
      FFI, in its sole discretion, may waive its minimum fee and/or charge a lesser
      investment advisory fee based upon certain criteria (e.g., historical
      relationship, type of assets, anticipated future earning capacity, anticipated
      future additional assets, dollar amounts of assets to be managed, related
      accounts, account composition, negotiations with clients, etc.).

  Expense Ratios
     Mutual funds generally charge a management fee for their services as
     investment managers. The management fee is called an expense ratio. For
     example, an expense ratio of 0.50 means the mutual fund company charges
     0.5% for their services. These fees are in addition to the fees paid by you to
     FFI.
      Performance figures quoted by mutual fund companies in various publications
      are after their fees have been deducted.

                                Future Finances, Inc.

TYPES OF CLIENTS

   Description
      FFI generally provides investment advice to individuals, banks or thrift
      institutions, investment companies, pension and profit sharing plans, trusts,
      estates, or charitable organizations, corporations or business entities.
       Client relationships vary in scope and length of service.

   Account Minimums
      The minimum account size requirement is $500,000. The minimum account
      size may be waived at the sole discretion of management.

METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS