International Financial Planning LLC

Item 5: Fees and Compensation

A. IFP's standard charge for financial planning services is $150/hour.

Fees for investment supervisory services are negotiable and are based upon (hourly charges) or (2) a
percentage of assets under management or (3) a percentage of account gains, further described in Section
6 below as a "performance-based fee", and offered only to clients who are (a) natural persons with more
than $1.1 million of assets under management with Advisor and/ or (b) natural persons or companies with
more than $2.2 million of net worth, including assets held jointly with a spouse or (4) a fixed fee, agreed
upon in advance by Advisor and Client or (5) a combination of the above. Clients may choose the method
of compensation, subject to agreement with the Advisor.

The standard percentage of assets under management charge is 0.25% per quarter for account assets up
to $5 million, and 0.1875% for account assets between $5 million and $10 million, and 0.125% for assets
above $10 million. Where applicable, the standard percentage of assets gains charged is 5.0% per annum.

B. Hourly charges, percentage of assets under management fees, and fixed fees for investment
supervisory services are invoiced to clients at the end of the calendar quarter during which services were
performed, and are payable within thirty (30) days of receipt of invoice. Clients may choose the method of
compensation, subject to the agreement of Advisor. Percentage of assets under management fees are
based upon the assets under management at the end of each calendar quarter. Percentage of account
gains fees are invoiced at the end of each calendar year and are payable within thirty days of receipt of
invoice.

Fees are payable in arrears and within thirty (30) days of receipt of invoice by client. If the client terminates
the agreement for financial planning advice within five (5) calendar days of the date agreement is signed,
client shall receive a full refund of all fees paid with respect to the financial planning advice. IFP's
agreement for investment supervisory services or financial planning advice or service may be terminated
upon thirty (30) days written notice sent by certified, registered or any overnight delivery service by either
party. However, all fees will be prorated and payable to the Advisor to the date of termination of the
agreement.

C. In addition to the fees described above, investment advisory clients of IFP will also incur brokerage fees
with respect to investment trades placed with independent brokerage services. In addition, clients may
incur fees in the event that mutual funds are held in client accounts. See Item 12 for additional information
concerning brokerage fees and practices.

D. IFP does not charge fees in advance of rendering services.

E. IFP does not seek, charge or accept compensation from any other financial firms, including, but not
limited to, banks, brokerages and insurance companies with respect to the sale of securities or other
financial products.

Item 7: Types of Clients

IFP generally provides investment advice to the following types of clients: individuals and trusts. The
minimum amount for opening an investment account with IFP is $1 million. There is no stated minimum for
maintaining an investment account with IFP.