Gerald Baker Financial Group Llcdba Baker Financial Services

Item 5 Fees and Compensation

PORTFOLIO MANAGEMENT PROGRAM FEE SCHEDULE:

 Total Assets Managed                   Annual Fees
 $0 to $249,999                        $2,500 Annually
 $250,000 to $999,999                      1.000%
 $1,000,000 to $2,499,999                  0.875%
 $2,500,000 to $4,999,999                  0.750%
 $5,000,000 to $9,999,999                  0.500%
 $10,000,000 and over                      0.375%

Our fee for investment advisory services shall be what was agreed upon and executed at the initial
engagement meeting. We agree to notify you promptly if there is a rate increase in our fees. We also
retain the right to discount fees or negotiate the above fees to potential or current clients, all within our
discretion.

Our fee will be payable quarterly in arrears. Fees are calculated on the value of all assets under
management on the last business day of the quarter by multiplying the assets under management market
value by the above annual rate and dividing such product by four (4). New clients will be pro-rata billed
to the next valuation date based on assets placed with us.

Portfolio Management fees will be directly deducted from your account at the custodian from your
accounts within thirty (30) days following the end of the quarter. We will send the qualified custodian
written notice of the amount of the fee to be deducted from your account.

We and/or the custodian shall provide written notice/invoice documentation reasonably supporting the
determination of the investment advisor fees. The Custodian will send to you a quarterly Account
statement that shows the amount of our advisory fee, the value of your assets upon which the fee was
based, and the specific manner in which the fee was calculated. We will verify that the Custodian sends
Account statements on a quarterly basis.

You should compare invoices for advisory fees to the corresponding custodian statement. Statements
should be received from the custodian no less than quarterly. If statements are not received, contact us
immediately.

Additional Types of Fees or Expenses:
Portfolio Management fees do not include certain charges imposed by third-parties which include, but
are not limited to, the following: mutual fund or money market 12b-1 and sub transfer fees, fund or money
market management fees and administrative expenses, mutual fund transaction fees, certain deferred
sales charges on previously purchased mutual funds transferred into the account, IRA and qualified
retirement plan fees, and other charges required by law. Additional fees can be incurred while the funds
are in a money market fund or other no-load funds. These fees are charged and collected by the mutual
funds and are not refundable to the Client.

Termination:
The agreement shall remain in full force and effect until terminated by either party. The agreement can
be terminated by either party upon receipt of written notice from the other party. The fees for the quarter
in which termination of the agreement occurs shall be refunded on a pro-rata basis. Upon termination of
the agreement, we will have no obligation to take any action with regard to investments in your account(s).

FINANCIAL PLANNING SERVICES FEE SCHEDULE:
The compensation for the preparation of an initial financial plan is based upon our estimate of the total
time required to complete the plan. A minimum and maximum fee will be stated in your agreement. One-
half of the minimum fees will be due upon your signing the agreement. The remaining fee will be billed to
you upon delivery of the plan. In no event, however, shall the total fee exceed the maximum fee, or shall
the plan not be completed within six months.

Renewal fees are based on the actual time required to provide review and updating of your financial
plan and to provide other services as requested by the client. The fees will be based on an hourly rate
of $200 for an advisory agent time and $50 for staff time.

Termination:
The agreement shall remain in full force and effect until terminated by either party. The agreement can
be terminated by either party upon receipt of written notice from the other party. The fees for the quarter
in which termination of the agreement occurs shall be refunded on a pro-rata basis. Upon termination of
the agreement, we will have no obligation to take any action with regard to your account(s).

CONSULTING SERVICE FEE SCHEDULE:
We provide financial planning and/or investment advice on an hourly fee basis for specific questions or
situations, as requested by you. The fees will be based on an hourly rate of $200 for an advisory agent
time and $50 for staff time.

Termination:
The agreement shall remain in full force and effect until terminated by either party. The agreement can
be terminated by either party upon receipt of written notice from the other party. The fees for the quarter
in which termination of the agreement occurs shall be refunded on a pro-rata basis. Upon termination of
the agreement, we will have no obligation to take any action regarding your account(s).

ERISA Accounts,Profit Sharing 401(k), SEP’s:
We also have other retirement accounts, which are subject to ERISA rules and regulations. In all cases
an “eligible investment advice arrangement” or advisory agreement will be executed with the Client. We
will be considered a “fiduciary advisor” and will charge fees to the retirement account.

Other Compensation Received by our advisory agents:
Our advisory agents are registered representatives, principals, and owners of GRB Financial, LLC. In this
capacity, our advisory agents sell securities through GRB Financial, LLC and receive normal and
customary commissions and/or 12b1-fees because of such purchases and sales. This presents a conflict
of interest to the extent that the advisory agent recommends that you invest in a security which results in
a commission being paid to the advisory agent. You are under no obligation to transact your business
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Item 7 Types of Clients

Client Base:
Our customer base consists of individuals, pension and profit-sharing plans, IRA’s, 401(K) participants,
trusts, estates, charitable organizations, corporations, and other business entities. These are the types
of clients that we service.

Conditions for Account Management:
We have not imposed a minimum account size of assets to be managed by us.