G&S Capital LLC

Item 5: Fees and Compensation
 Method of Compensation and Fee Schedule
  G&S bases its fees on a percentage of assets under management and hourly charges.

  ASSET MANAGEMENT

 G&S offers discretionary direct asset management services to advisory clients. G&S charges an
 annual investment advisory fee based on the total assets under management as follows:

                                      Fee Schedule
              Account Range                                    Maximum
               $0 - $499,999                                    1.40%
           $500,000 - $999,999                                  1.30%
         $1,000,000 - $1,999,999                                1.10%
         $2,000,000 - $4,999,999                                0.90%
         $5,000,000 - $9,999,999                                0.80%
          $10,000,000 - $24,999,999                             0.60%
          $25,000,000 +                                       Negotiable

 The annual fee may be negotiable. Accounts within the same household may be combined for a
 reduced fee. Fees are billed quarterly in advance based on the amount of assets managed as of the
 last business day of the previous quarter. Initial fees for partial quarters are pro-rated. If any
 deposits or withdrawals are made to an account during the course of a fee period, a prorated fee
 adjustment will be applied at the next billing interval.
 Clients may terminate advisory services with thirty (30) days written notice. For accounts closed
 mid-quarter, the client will be entitled to a pro rata refund for the days service was not provided
 in the final quarter. Client shall be given thirty (30) days prior written notice of any increase in
 fees, and client will acknowledge, in writing, any agreement of increase in said fees.

 ASSETS HELD AWAY
 Fees for these services will be based on a percentage of assets under management. The fees are as
 follows:

                                            G&S Capital LLC

                                        Fee Schedule
               Account Range                                     Maximum
               $0 - $499,999                                       1.40%
            $500,000 - $999,999                                    1.30%
          $1,000,000 - $1,999,999                                  1.10%
          $2,000,000 - $4,999,999                                  0.90%
          $5,000,000 - $9,999,999                                  0.80%
          $10,000,000 - $24,999,999                                0.60%
          $25,000,000 +                                          Negotiable

Fees will be paid in advance every quarter based on the amount of assets managed as of the last
business day of the previous quarter. Fees for held away assets are generally deducted from another
account managed by G&S, although clients may be invoiced directly in limited instances and at specific
client request. Upon termination, the client will be entitled to a pro-rata refund based on the number of
days account was managed.

Fee Dispersion. G&S, in its sole discretion, may charge a lesser investment advisory fee and/or a charge
a flat fee 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.). 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.

ERISA PLAN SERVICES
The annual fees are based on the market value of the Included Assets and will not exceed 1% of the value.
The fee is charged in arrears and the initial fee will be based on the market value of the Plan assets
as calculated by the custodian or record keeper of the Included Assets on the first business day of the
initial fee period and will be due on the first business day of the fee period. For services started any time
other than the first day of a quarter, the fee will be prorated based on the number of days remaining in
the initial fee period. Thereafter, the fee will be based on the market value of the Plan assets on the
last business day of the previous fee period (without adjustments for anticipated withdrawals by
Plan participants or other anticipated or scheduled transfers or distribution of assets) and will be due
within ten (10) business days. Fees are collected on a monthly or quarterly basis depending on the
plan administrator. Fees will be paid by the plan administrator to G&S quarterly in arrears. This will be
disclosed in the ERISA Plan Agreement. If this Agreement is terminated prior to the end of the fee
period, G&S shall be entitled to a prorated fee based on the number of days during the fee period
services were provided. Any unearned fees shall be refunded to the Plan or Plan Sponsor.

The compensation of G&S for the services is described in detail in Schedule A of the ERISA Plan
Agreement. The Plan is obligated to pay the fees, however the Plan Sponsor may elect to pay the fees.
G&S does not reasonably expect to receive any additional compensation, directly or indirectly, for its
services under this Agreement, unless otherwise disclosed. If additional compensation is received, G&S
will disclose this compensation, the services rendered, and the payer of compensation. G&S will offset

                                              G&S Capital LLC

the compensation against the fees agreed upon under this Agreement.

FINANCIAL PLANNING and CONSULTING
G&S charges an hourly fee of $250 for financial planning and consulting. Prior to the planning process
the client will be provided an estimated plan fee. To the extent specifically request by the client, the
services can include, but are not limited to, a thorough review of all applicable topics including Wills,
...

Item 7: Types of Clients
 Description
  G&S generally provides investment advice to individuals, high net worth individuals, trusts, estates,
  or charitable organizations, retirement plans, and corporations or business entities.
  Client relationships vary in scope and length of service.

 Account Minimums
  G&S generally requires an aggregate relationship minimum of $500,000 and a minimum annual fee of
  $6,500. G&S may waive or reduce these minimum requirements at its sole discretion. In addition, G&S,
  in its sole discretion, may charge a lesser investment advisory fee and/or a charge a flat fee 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.).