Gehrig Capital Management Inc

Item 5     Fees and Compensation
                          INVESTMENT SUPERVISORY SERVICES ("ISS")
                          INDIVIDUAL PORTFOLIO MANAGEMENT FEES

The annualized fee for Investment Supervisory Services is charged as a percentage of assets
under management, according to the following schedule:

                     Assets Under Management                Annual Fee
                          $0.00 +                            1.00%

Limited Negotiability of Advisory Fees: Although Gehrig Capital Management, Inc. has
established the aforementioned fee schedule(s), we retain the discretion to negotiate
alternative fees on a client-by-client basis. Client facts, circumstances and needs are
considered in determining the fee schedule. These include the complexity of the client, assets
to be placed under management, anticipated future additional assets; related accounts;
portfolio style, account composition, reports, among other factors. The specific annual fee
schedule is identified in the contract between the adviser and each client.

We may group certain related client accounts for the purposes of achieving the minimum
account size requirements and determining the annualized fee.

Discounts, not generally available to our advisory clients, may be offered to family members
and friends of associated persons of our firm.

This fee is billed quarterly in arrears and is due and payable within 30 days of invoicing.

                                   GENERAL INFORMATION

Termination of the Advisory Relationship: A client agreement may be canceled at any time,
by either party, for any reason upon receipt of 30 days written notice.

Mutual Fund Fees: All fees paid to Gehrig Capital Management, Inc. for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds and/or
ETFs to their shareholders. These fees and expenses are described in each fund's prospectus.
These fees will generally include a management fee, other fund expenses, and a possible
distribution fee. If the fund also imposes sales charges, a client may pay an initial or deferred
sales charge. A client could invest in a mutual fund directly, without our services. In that case,
the client would not receive the services provided by our firm which are designed, among other
things, to assist the client in determining which mutual fund or funds are most appropriate to
each client's financial condition and objectives. Accordingly, the client should review both the
fees charged by the funds and our fees to fully understand the total amount of fees to be paid
by the client and to thereby evaluate the advisory services being provided.

Wrap Fee Programs and Separately Managed Account Fees: Gehrig Capital
Management does not participate in any Wrap Fee Programs or Separately Managed
Accounts

Additional Fees and Expenses: In addition to our advisory fees, clients are also responsible
for the fees and expenses charged by custodians and imposed by broker dealers, including,
but not limited to, any transaction charges imposed by a broker dealer with which an
independent investment manager effects transactions for the client's account(s).
Please refer to the "Brokerage Practices" section (Item 12) of this Form ADV for additional
information.

Grandfathering of Minimum Account Requirements: Pre-existing advisory clients are
subject to Gehrig Capital Management, Inc.'s minimum account requirements and advisory
fees in effect at the time the client entered into the advisory relationship. Therefore, our firm's
minimum account requirements will differ among clients.

ERISA Accounts: Gehrig Capital Management, Inc. is deemed to be a fiduciary to advisory
clients that are employee benefit plans or individual retirement accounts (IRAs) pursuant to the
Employee Retirement Income and Securities Act ("ERISA"), and regulations under the Internal
Revenue Code of 1986 (the "Code"), respectively. . As such, our firm is subject to specific
duties and obligations under ERISA and the Internal Revenue Code that include

among other things, restrictions concerning certain forms of compensation. To avoid engaging
in prohibited transactions, Gehrig Capital Management, Inc. may only charge fees for
investment advice about products for which our firm and/or our related persons do not receive
any commissions or 12b-1 fees, or conversely, investment advice about products for which our
firm and/or our related persons receive commissions or 12b-1 fees, however, only when such
fees are used to offset Gehrig Capital Management, Inc.'s advisory fees.

Advisory Fees in General: Clients should note that similar advisory services may (or may not)
be available from other registered (or unregistered) investment advisers for similar or lower
fees.

Limited Prepayment of Fees: Gehrig Capital Management does not require or ask for
payment in advance of services.

Item 7       Types of Clients
Gehrig Capital Management, Inc. provides advisory services to the following types of clients:

•   Individuals (other than high net worth individuals)

•   High net worth individuals

•   Trusts