Grant Street Asset Management Inc

Item 5     Fees and Compensation
                       PORTFOLIO MANAGEMENT SERVICES FEES

The annualized fee for Portfolio Management Services will be charged as a percentage of
assets under management, according to the following schedule:

                      Assets Under Management                 Annual Fee

                 First $1,000,000 under management              1.50%

                 After $1,000,000 under management              1.00%

A minimum of $500,000 of assets under management is required for this service. This
account size may be negotiable under certain circumstances. Grant Street Asset
Management, Inc may group certain related client accounts for the purposes of achieving the
minimum account size and determining the annualized fee.

Limited Negotiability of Advisory Fees: Although Grant Street Asset 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 will be
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 will be identified in the contract between the adviser and each client.

Fees are calculated on a quarterly basis and paid in advance, either by deduction from the
account or by billing the client depending on their preference.

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

The fixed rate for creating client financial plans is $5,000. The fees are negotiable and the final
fee will be provided in the Engagement Letter. Fixed Financial Planning fees are paid via cash,
check or wire. Fees are paid half on engagement and the rest upon delivery of the plan.

                                  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. As disclosed
above, certain fees are paid in advance of services provided. Upon termination of any
account, any prepaid, unearned fees may be refunded at the Investment Manager’s
discretion. In calculating a client’s reimbursement of fees, we will pro rate the
reimbursement according to the number of days remaining in the billing period.

Mutual Fund Fees: All fees paid to Grant Street Asset Management, Inc for investment
advisory services are separate and distinct from the fees and expenses charged by mutual
funds and/or ETF's 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 custodians including, but not limited to,
any transaction charges imposed by the custodian 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.

ERISA Accounts: Grant Street Asset 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”). 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, Grant Street Asset Management, Inc may only charge
fees for investment services on products for which our firm and/or our related persons do not
receive any commissions or 12b-1 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.

Item 7      Types of Clients
Grant Street Asset Management, Inc provides advisory services to the following types of
clients:

      •   Individuals (other than high net worth

          individuals)

      •   High net worth individuals

      •   Pension and profit-sharing plans (other than plan

          participants)

      •   Charitable organizations

      •   Corporations or other businesses not listed above

      •   Other