Hantz Financial Services Inc

ITEM 5: FEES AND COMPENSATION

       Financial Planning Services

              Horizon Planning Service™

              The annual fee for the Horizon Planning Service is specified in the Financial
              Planning and Consulting Agreement. This fee is renewable yearly if you wish
              to continue the financial planning and consulting services offered in this package.
              Additional information about the payment of our fees is described later in this
              section.

              Premier Planning Service™

              The annual fee for our Premier Planning Service is specified in the Financial Plan-
              ning and Consulting Agreement and is subject to a variety of factors such as
              higher net worth, income, or complexity of your tax issues. This fee is renewable
              yearly if you wish to continue the financial planning and consulting services of-
              fered in this package.

              Upon request, we may negotiate fees based upon a variety of factors such as the
              complexity of your financial circumstances, any requests you may have affecting
              our cost of providing the services, the services we are providing for any related
              accounts, the longevity of our relationship, and the existence of any personal or
              family relationships. The actual fee for the service will be specified in the Finan-
              cial Planning and Consulting Agreement. Information about the payment of our
              fees is described later in this section.

              Premier Business Planning Service™

              The fee for our Premier Business Planning Service generally starts at $1,320. This
              fee is renewable yearly if you wish to continue the financial planning and consult-
              ing services offered in this package. This fee may be higher because of factors

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              such as higher net worth, income, or the complexity of your tax issues, as well as
              the complexity, circumstances, and needs of the desired business consulting ser-
              vices. Upon request, we may negotiate fees based upon a variety of factors such
              as the complexity of your financial circumstances, any requests you may have af-
              fecting our cost of providing the services, the services we are providing for any
              related accounts, the longevity of our relationship, and the existence of any per-
              sonal or family relationships. The actual fee for the service will be specified in
              your Financial Planning and Consulting Agreement.

              Information about the payment of our fees is described later in this section.

              Additional Fee Information

              You must pay our initial financial planning and consulting fees at the time you
              complete and sign the Financial Planning and Consulting Agreement. You may
              pay our fees annually or in monthly installments through your bank from your
              checking account via the Automated Clearing House (ACH) Network. You must
              complete, sign and submit the ACH authorization form and give us a voided check
              from your checking account. We will only charge your account the specific in-
              stallment amount stated in the ACH authorization form. Your bank will report the
              charge in your periodic bank account statement. You can terminate this ACH au-
              thorization at any time by notifying us or your bank. We are not responsible for
              any overdraft charges that you may incur for insufficient funds in your checking
              account. You are responsible for all fees that are not paid by ACH transfer.

              We do not calculate or charge fees on the basis of a share of capital gains or capital
              appreciation of your funds or any portion of your funds.

              Renewal Fees

              We will renew your Financial Planning and Consulting Agreement yearly until
              you terminate the contract. You may terminate the contract by sending us written
              notice. The renewal fees in your contract will apply unless changed by mutual
              agreement because of changes in the factors we described above that affect our
              cost of providing these services. Renewal fees are paid in the same manner as
              described above.

              Third-Party Fees and Charges

              You will incur additional fees and charges if you choose to implement our recom-
              mendations. Additional fees and charges typically include brokerage commis-
              sions, custodial fees, insurance commissions, program costs and other transaction-
              related charges. We will provide you, in advance, with information about those
              additional fees and charges.

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              Fees and expenses charged by mutual funds or by insurance companies to their
              funds are separate and in addition to the fees we charge for our financial planning
              and consulting services. You will incur additional fees and charges at the fund
              level, if you purchase mutual fund shares or a variable insurance product. Each
              mutual fund or variable insurance product prospectus describes these fees and ex-
              penses. The additional fund-level fees may include, but are not limited to: a man-
              agement fee, other fund expenses, mortality and expense risk charge or possible
              distribution fee. If the product imposes a sales charge, you may pay an initial or
              deferred sales charge.
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ITEM 7: TYPES OF CLIENTS

Generally, we provide our financial planning and consulting services to individuals and their
related IRAs, trusts, as well as businesses and their related pension or retirement plans.