John F Suby Wealth Management LLC

Item 5 - Fees and Compensation

Fees paid to Wealth Management are for Wealth Management advisory services and, when contractually
included, for accounting services which may be provided by Wealth Management’s affiliate, or for
advisory services provided by sub-advisers. The fees do not include, for example, the fees charged by
third party managers nor by other third parties, such as non-affiliated accountants and attorneys, assisting
with providing the client with accounting and legal advice. The fees also do not include administrative
and account maintenance fees charged by account custodians.

Prospective clients should be aware that in addition to Wealth Management's management fees, each
mutual fund in which a client's assets are invested also pays its own advisory fees and other internal
expenses, the deduction of which is reflected in the fund's reported performance. Depending on the fund,
a client may be able to invest directly in the shares issued by the fund with or without incurring any sales
or third-party management fees.

        Asset Management Service Fees

Fees for Asset Management Services are negotiable, may vary from client to client, and are calculated as
a percentage of the total value of investments under Wealth Management's management at rates equal to
or less than the rates set forth in the Fee Schedule below. The fee charged by Wealth Management is
separate from transaction, commission, administrative, servicing fees and other servicing fees which may
be charged by the account’s custodian, and management fees which may be charged by third party
managers.

                      Assets Under Management                  Annual Fee (Paid Quarterly)

                            $0 to $1,000,000                             1.00%
                            $1,000,001 to $2,000,000                     0.80%
                            $2,000,001 to $3,000,000                     0.60%
                            $3,000,001 to $5,000,000                     0.50%
                            $5,000,001 to $10,000,000                    0.40%
                            Over $10,000,000                             0.30%

For services provided under Wealth Management's program, clients are charged a fee calculated by
applying the contracted annual fee percentage to the account's total value each quarter, which shall be
equal to or less than the rates listed above. The market value, which may be determined on an account by
account basis or household on an aggregated basis (including interest paid or accrued), is calculated as of
the last business day of the applicable calendar quarter. The account custodian will determine fair market

value for fee calculation purposes but will not be responsible for verifying the accuracy of any fee
calculation.

For clients having their accounts managed by Provident Trust Company, a third party manager, using
separately managed accounts, the Wealth Management fee will be calculated and debited from the client’s
account quarterly in arrears and the Provident fee will be debited from the client's account monthly in
arrears. No fee adjustments are made for assets deposited or withdrawn during the quarter. If the account
is established any day other than the first day of a calendar quarter, the fee due for the first billing period
is paid on a prorated basis based on the number of days services were provided.

For clients having their accounts managed by Provident Trust Company using mutual funds managed by
Provident Trust Company, client will not be required to pay a management fee directly to Provident Trust
Company, but instead Provident Trust Company will receive a management fee from the Provident Trust
Company managed mutual fund.

For clients having their accounts managed by Greenrock, a sub-adviser, the Wealth Management fee,
which will include compensation paid to Greenrock, will be debited from the client's account quarterly in
advance. No fee adjustments are made for assets deposited or withdrawn during the quarter. If the
account is established any day other than the first day of a calendar quarter, the fee due for the first billing
period is paid on a prorated basis based on the days left in the quarter with the beginning balance used for
fee calculation purposes.

Clients may terminate the agreement at any time in its entirety by giving Wealth Management written
notice of termination. Wealth Management may also terminate by notice to the client. The client is
responsible for paying all fees earned by Wealth Management to date of termination, and any unearned
prepaid fees will be prorated and returned to the client upon termination.

Wealth Management's fees may be more or less than those charged by Wealth Management to another
client for similar services and other advisers for similar services.

For those clients choosing to receive affiliate services, such as accounting and/or trustee services, Wealth
Management will pay its affiliate for those services which have been included in the Management
Agreement.       Fees for services provided by the affiliate that are not included in the Management
Agreement are the responsibility of the client.

        Financial Planning and Investment Consulting Service Fees

Wealth Management may charge fees for Financial Planning or Investment Consulting Services based
either on an hourly or on a flat fee basis, as explained below.

Hourly Fees. Wealth Management's hourly fee varies from $100 to $500 per hour and depends upon the
nature and scope of the advice requested by the client, the amount and nature of the research required to
complete the project, and the nature and number of reports required by the client. The hourly fee will be
calculated based upon each professional staff member's time spent on a project. Prior to engagement,
each client signs an agreement which provides an estimate of the total fee for services. One-half of the
...

Item 7 - Types of Clients/Minimum Account Size

Wealth Management makes services available to a wide variety of clients including, but not limited to,
individuals, banks or thrift institutions, investment companies, pension and profit sharing plans, trusts,
estates, charitable organizations, corporations and other business entities.

Wealth Management does not require a minimum account size or minimum fee to receive its advisory
services.