Giraffes Inc

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

Our annual fees for Investment Supervisory Services are assessed within a ranged rate of .5% - 1% of assets under management on an
annualized basis.

A minimum of $25,000 of assets under management is required for this service. This account size may be negotiable under certain
circumstances. Financial Concepts may group certain related client accounts for the purposes of achieving the minimum account
size and determining the annualized fee the client will pay Financial Concepts for its investment advisory services. The fee will be a
percentage of the value of all assets in the account for each quarterly period ending the last business day of February, May,
August, and November and shall be the product of (i) the average daily net asset value of assets invested in shares of the funds
during the quarter; (ii) the number of days in the quarter; and (iii) the rate agreed to by the parties divided by the number of days
in the year. The client authorizes the Transfer Agent to deduct the fee from their account and pay Financial Concepts based on the
submission of the initial management fee as elected by the Adviser on the Class F-2 shares agreement. The Transfer Agent will
send the client's quarterly statements showing all amounts paid from their account, including all management fees paid by the
Transfer Agent to Financial Concepts.

Limited Negotiability of Advisory Fees: Although Financial Concepts 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, and reports,
among other factors.
The specific annual fee schedule is identified in the contract between Financial Concepts and each client.
Discounts, not generally available to our advisory clients, may be offered to family members and friends of associated
persons of our firm.

                                                        FINANCIAL PLANNING FEES

Financial Concepts’ Financial Planning fee is determined based on the nature of the services being provided and the complexity
of each client's circumstances. All fees are agreed upon prior to entering into a contract with any client.
Our Financial Planning fees are calculated and charged on a fixed fee basis, typically ranging from $1,000.00 to
$5,000.00, depending on the specific arrangement reached with the client.
We may request a retainer upon completion of our initial fact-finding session with the client; however, the advance payment
will never exceed $500 for work that will not be completed within six months. The balance is due upon completion of the
plan.

The client is responsible for the payment of financial planning fees at the time of completion.
                                                       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. Termination of this Agreement will not affect (a) the validity of any action previously taken by Financial
Concepts under this Agreement; (b) liabilities or obligations of the parties from transactions initiated before
termination of this Agreement. On the termination of this Agreement, Financial Concepts will have no obligation to
recommend or take any action regarding the securities, cash, or other investments in the Account.

Mutual Fund Fees: All fees paid to Financial Concepts 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.

Additional Fees and Expenses: In addition to our advisory fees, clients are also responsible for the fees and expenses
charged by transfer agents/custodians.

Grandfathering of Minimum Account Requirements: Pre-existing advisory clients are subject to Financial
Concept's minimum account requirements and advisory fees in effect at the time the client enters the advisory
relationship. Therefore, our firm's minimum account requirements will differ among clients.
Advisory Fees in General: Clients should note that similar advisory services may (or may not) be available from other
registered (or unregistered) investment firms for similar or lower fees.

Limited Prepayment of Fees: Under no circumstances do we require or solicit payment of fees in excess of $1200 more
than six months in advance of services rendered.
SEI Accounts: Compensation is derived through a combination of asset-based fees and service fees. The interest rates
that banks are willing to pay for deposits can affect the net returns, which are subject to change and can vary over time.
In certain economic conditions, banks might not pay interest on deposits or may even charge negative interest,
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Item 7           Types of Clients

Financial Concepts provides advisory services to the following types of clients:
     •    Individuals (other than high net-worth individuals)
     •    High Net Worth Individuals
     •    Charitable Organizations
     •    Small Businesses or Institutions