Gasber Financial Advisors Inc

Item 5 Fees and Compensation
Compensation paid to GFA for financial planning, wealth management, and investment management
services is described below.

Financial Planning
Based on the nature and scope of the planning work to be performed and at GFA's discretion, clients
may pay for the planning services provided in one of the following ways:

Hourly fees. Hourly fees are typically recommended for short-term consulting requests or limited
financial planning and analysis. Hourly rates are:

Professional     $175-$350/hour
Para-planner     $125/hour
Clerical         $75/hour

Hourly rates are not negotiable, although GFA may agree to limit the number of hours to a particular
task at the client's request.

Project fees. Project fees are fixed at the beginning of the engagement and are based on an estimate
of the time required to complete the work. The fees for the initial financial planning engagement
generally range between $2,000 and $5,000 and are negotiable based on the nature of the planning.
Certain planning engagements may charge a project fee outside of the above range due to factors
specific to that engagement.

A deposit of 50% of the project fee is due at the signing of the engagement letter with 50% of the
balance due 45 days after signing and the balance due 90 days after signing. GFA does not accept
$500 or more six months in advance of performing any services. GFA may at its sole discretion elect to
waive all or any portion of its financial planning fees for any client.

Retainer fees. GFA charges a retainer fee for ongoing financial planning services. The retainer is
based on the scope of the work to be performed, is billed quarterly, and can be updated annually.

Investment Management (Non-Qualified)
Clients pay investment management fees in advance each quarter as described in the client services
agreement. Fees are payable on the first day of the quarter and GFA calculates the fees on the
portfolio value as of the last business day of the prior quarter. Additional account deposits are subject
to the same fee procedures and may be pro-rated to determine the quarter's fee. The initial fee will be
prorated if the investment falls during the calendar quarter. Each year, with prior notice to the Client,
the fee schedule may be adjusted to reflect increases in the cost of doing business or anticipated
changes in the scope of the work to be done.

The following fee schedule will apply to aggregate portfolio assets under management.

Account Value From                     Account Value To                  Per Quarter            Annualized
$0                                     $1,000,000                        0.25%                  1.00%
$1,000,001                             $2,000,000                        0.1875%                0.75%
$2,000,001                             $5,000,000                        0.15%                  0.60%
$5,000,001                             $10,000,000                       0.075%                 0.30%
Over $10,000,000                                                         0.05%                  0.20%

At termination, fees will be billed on a pro-rata basis for the portion of the quarter completed. The
portfolio value at the completion of the prior full billing quarter is used as the basis for the fee
computation, adjusted for the number of days during the billing quarter before termination. Clients may
and are paying fees different from the above schedule of fees when they are related to GFA or the
client may be paying less or more under a legacy fee schedule.

Wealth Management
Wealth Management fees are composed of two components; an asset-based investment management
fee and a financial planning fee. Clients pay Wealth Management fees in advance each quarter as
described in the client services agreement. Fees are payable on the first day of the quarter and GFA
calculates the investment management component on the portfolio value as of the last business day of
the prior quarter using the Investment Management (Non-Qualified) fee schedule. Additional account
deposits are subject to the same fee procedures and may be pro-rated to determine the quarter's fee.
The initial investment management fee will be prorated if the investment falls during the calendar
quarter. In addition to the asset-based investment management fee, there is a flat quarterly financial
planning retainer which may be negotiable where unique circumstances apply.

At termination, investment management fees will be billed on a pro-rata basis for the portion of the
quarter completed. The portfolio value after the prior full billing quarter is used as the basis for the fee
computation, adjusted for the number of days during the billing quarter before termination. Clients may
and are paying fees different from the above schedule of fees when they are related to GFA or the
client may be under a legacy fee schedule.Once each year, with prior notice to the Client, the
investment management fee schedule and the financial planning retainer may be adjusted to reflect
increases in the cost of doing business or anticipated changes in the scope of the work to be done.
Investment Management & Services (Qualified Plans)

The initial fee will be set forth in the client services agreement. Clients may pay management fees in
advance or arrears each quarter as described in the client services agreement. Fees are payable on
the first day of the quarter and are calculated on the portfolio value as of the last business day of the
prior quarter. Additional account deposits are subject to the same fee procedures and may be pro-
rated to determine the quarter's fee. The initial fee will be prorated if the investment falls during the
calendar quarter. Once each year, with prior notice to the client, the fee schedule may be adjusted to
reflect increases in the cost of doing business or anticipated changes in the scope of the work to be
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Item 7 Types of Clients
Description
GFA generally provides investment advice to individuals, pension and profit-sharing plans, trusts,
estates, charitable organizations, and corporations or business entities. Client relationships vary in
scope and length of service.