Goverman Financial Solutions LLC

Item 5 - Fees and Compensation
   Financial Planning
       Financial Solutions Associates’ hourly fee for providing financial planning
       services is $300. This hourly fee is non-negotiable although a fixed fee may
       be agreed upon in lieu of the hourly rate.
       Financial planning services generally are provided at no additional charge to
       existing investment advisory clients who have portfolios being managed for a
       fee by the advisor. The advisor determines at his discretion what level and for
       which clients these services are offered.
       A client may terminate the Financial Planning agreement at any time by
       notifying Financial Solutions Associates in writing and paying the rate for the
       time spent prior to notification of termination. A full refund will be made if the
       agreement is terminated within the first five business days of signing the
       agreement.
       Financial Solutions Associates may terminate the Financial Planning
       agreement at any time by notifying the client in writing.

   Investment Advisory
       Financial Solutions Associates charges its investment advisory fees based on
       a percentage of assets under management. Authorization is obtained to have
       these fees directly debited from client accounts on a quarterly basis. These
       fees are charged in advance and are calculated based on the market value of
       the account on the last day of the preceding calendar quarter. Advisory fees
       are not prorated for each capital contribution and withdrawal made during the
       applicable calendar quarter. As an applicable asset class, cash is included in
       the fee calculation and, at times, our fee will exceed the interest earned on
       the cash. Accounts initiated or terminated during a calendar quarter are
       charged a prorated fee.
       A client may terminate the Investment Advisory agreement at any time by
       notifying Financial Solutions Associates in writing. Upon termination, any
       unearned fees will be promptly refunded. A full refund will be made if the
       Investment Advisory agreement is terminated within the first five business
       days of signing the agreement.
       Financial Solutions Associates may terminate the Investment Advisory
       Agreement at any time by notifying the client in writing and refunding the
       unearned portion of advisory fees.

                              Financial Solutions Associates

    Our Investment Advisory fee schedule is as follows.

    Account Value                   Quarterly Fee              Annualized Fee
    $          0 to $    99,999       .3750 %                    1.50 %
    $   100,000 to $    999,999       .2500 %                    1.00 %
    $ 1,000,000 to $ 4,999,999        .2125 %                     .85 %
    $ 5,000,000 or higher             .1875 %                     .75 %

    Financial Solutions Associates retains the right to make exceptions to the
    advisory fee schedule.
    When we provide investment advice to your regarding your retirement plan
    account or individual retirement account, we are fiduciaries within the
    meaning of Title I of the Employee Income Security Act and/or the Internal
    Revenue Code, as applicable, which are laws governing retirement
    accounts. The way we make money creates some conflicts with your
    interests, so we operate under a special rule that requires us to act in your
    best interest and not put our interest ahead of yours.
Other Fees
    Financial Solutions Associates’ fees are to compensate the advisor for his
    services and are exclusive of transaction fees, brokerage commissions,
    custodial fees and other related fees which may be incurred by the client.
    The brokerage firm/custodian may charge transaction fees on purchases or
    sales of certain mutual funds and exchange traded funds. These transaction
    charges are usually small and incidental to the purchase or sale of a
    security. The selection of the security is more important than the nominal fee
    that the custodian charges to buy or sell the security. The brokerage
    firm/custodian may also charge a fee for stock and bond trades. Variable
    annuities recommended may charge monthly subscription fees.

Item 7 - Types of Clients
   Description
      Financial Solutions Associates provides advisory services to individuals, high
      net worth individuals, trusts and estates, and small businesses. We offer our
      services to pension and profit-sharing plan participants and charitable
      organizations.

   Account Minimums
      The minimum account size for engaging Financial Solutions Associates’
      investment advisory services is $ 200,000. We may waive the minimum
      at our sole discretion.