Investmark Advisory Group LLC

Item 5 FEES AND COMPENSATION
Investmark Asset Management Program (IAM) - IAM and Dimensional Fund (DFA) Models

A. Fees are negotiable and are not based on a share of capital gains upon or capital appreciation of
the funds or any portion of the funds. The fee schedules can be changed by Investmark Advisory
upon 30-days prior written notice to client.

Investmark Advisory Group charges an Annual Fee which shall be based on the assets in the
Account*. The Annual Fee consists of the Annual Advisor Fee and a Program Fee.

The total fee assessed to this account will be calculated by adding the Annual Advisor Fee to
the Program Fee based on the schedule below.

Program Fee
The program fee is charged by Investmark Advisory Group and is in addition to the advisory fee
charged by your Investmark Advisory Representative. The program fee covers the administrative
costs, compensation to the Investmark Advisory Representatives who manage the models, and
marketing costs.

It is important for clients to understand that Mike Kusick, Nicholas Christie, Joseph Jandreau and Jay
Diamond are portfolio managers, administrators of the program, share in the program fee, and have a
direct interest in the advisor fee charged to any clients the aforementioned individuals manage and
service. Therefore, there is a conflict of interest to direct clients to use the program rather than a
customized program where a program fee is not charged because the individuals have an interest in
both fees. To mitigate these conflicts of interest, we are making you aware of the fact both fees are
charged by Investmark Advisory Group and Advisory Representatives have a direct interest in one or
both of the fees.

The Program Fee will be calculated according to the following schedule:

Account Value             Maximum Annual Program Fee
Less than $500,000                     0.50%
$500,000 - $1,000,000                  0.45%
$1,000,001- $2,000,000                 0.40%
$2,000,001 - $3,000,000                0.35%
$3,000,001 and above                   0.30%

Advisor Fee:

Account Value              Maximum Annual Advisor Fee
Less than $500,000                      1.75%
$500,000 to $1,000,000                  1.65%
$1,000,001 to $2,000,000                1.55%
$2,000,001 to $3,000,000                1.45%
$3,000,001 and above                   negotiable

The fee schedule above is charged as a flat percentage-based fee on the entire account value*. (e.g.,
an account value* of $1,875,455.56 would be charged a maximum fee of 1.95% annually) Fees are
calculated using the (quarter end value* x percentage fee) / 4 = quarterly fee.

Note: In addition to the flat rate/breakpoint fee schedule above, if negotiated, there are situations
where a blended/tiered fee based on a percentage of the level assets in the account is employed. The
blended/tiered negotiated fee will be stated in the advisory agreement.

Fees may be adjusted in consideration of strategies employed, additional assets under management at
Investmark Advisory Group and other relevant factors.

Investmark Asset Management Program (IAM) - IAM SMA Program

The total fee assessed to this account will be calculated by adding the Annual Advisor Fee to
the Program Fee based on the schedule below.

The SMA Program Fee will be calculated according to the following schedule:

Account Value                 Annual Program Fee
First $500,000                           0.40%
Next $500,000                            0.35%
Next $1,000,000                          0.30%
Next $1,000,000                          0.25%
$3,000,001 and above                     0.20%

SMA Advisor Fee:

Account Value             Maximum Annual Advisor Fee
Less than $500,000                       1.75%
$500,000 - $1,000,000                    1.65%
$1,000,001 - $2,000,000                  1.55%
$2,000,001 - $3,000,000                  1.45%
$3,000,001 and above                   negotiable

The Advisor fee schedule above is charged as a flat percentage-based fee on the entire account
value*. (e.g., an account value* of $1,875,455.56 would be charged a maximum Advisor fee of 1.55%
annually). The Program fee schedule above is charged as a blended/tiered fee . (e.g. $500,000 x .
40% + $500,000 x .35% + $875,455.56 x .30%).

Fees are calculated using the (quarter end value* x percentage fee) / 4 = quarterly fee.

Note: In addition to the flat rate/breakpoint Advisor fee schedule above, if negotiated, there are
situations where a blended/tiered Advisor fee based on a percentage of the level assets in the account
is employed. The blended/tiered negotiated fee will be stated in the advisory agreement.

Fees may be adjusted in consideration of strategies employed, additional assets under management at
Investmark Advisory Group and other relevant factors.

B. Advisory fees are collected directly from your account. You will be provided with an account
statement reflecting the deduction of the advisory fee direct from the account custodian. If the Account
does not contain sufficient funds to pay advisory fees, Investmark Advisory Group has limited authority
to sell or redeem securities in sufficient amounts to pay advisory fees. You may reimburse the account
for advisory fees paid to Investmark Advisory Group, except for ERISA and IRA accounts.

C. In addition to the advisory fees outlined above and below, you will pay fees for custodial services,
account maintenance fees, transaction fees*, and other fees associated with maintaining the Account.
Such fees are not charged by Investmark Advisory Group and are charged by the product,
broker/dealer or account custodian. Investmark Advisory Group does not share in any portion of such
fees. Additionally, you will pay your proportionate share of the fund's management and administrative
fees and sales charges as well as the mutual fund adviser's fee of any mutual fund they purchase.
Such advisory fees are not shared with Investmark Advisory Group and are compensation to the fund-
...

Item 7 TYPES OF CLIENTS
Investmark Advisory Group's services are geared toward individuals both high net worth and other than
high net worth individuals, pension and profit sharing plans, and corporations or other businesses.

The minimum household investment required under our Asset Management programs is generally
$500,000. Accounts below this minimum may be accepted on an individual basis at our discretion.
Such circumstances may include, but not be limited to, those situations where additional assets will
soon be deposited, anticipated future earning capacity, related accounts, account composition, pre-
existing client, account retention, pro bono activities, etc. You should be aware that performance may
suffer due to difficulties with diversifying smaller accounts and that a lack of diversification can lead to
greater portfolio risk. Performance of smaller accounts may vary from the performance of accounts
with more dollars invested because fluctuations in the market may affect smaller accounts more.