Keynote Financial Services LLC

FEES & COMPENSATION

A. How we are compensated. The negotiable hourly fee for financial planning is up to
$200/hour and is paid after the consultations.

If we manage your money, the annual negotiable fee for doing so ranges from ½ of 1% to
2%, depending on the size and complexity of your account(s). The fees you will pay for
services will be a percentage of the market value of the assets in your account on the last
trading day of each calendar quarter. The fee is paid quarterly, after the end of each
quarter.

Management fees shall be prorated for each capital contribution and withdrawal made
during the applicable calendar quarter (with the exception of de minimis contributions
and withdrawals). Accounts initiated or terminated during a calendar quarter will be
charged a prorated fee.

B. How our fees are paid You may have your custodian withdraw our fees for managing
your account(s) shortly after the end of each quarter. This will only be permitted when
the client authorizes the agreement in writing; KFS sends the invoice to both the client
and custodian at the same time; the bill shows the amount of the fee, how it was
calculated and the value of the assets upon which the invoice is based. Or you may
choose to have us bill you at the end of each quarter. Hourly fees are billed shortly after
the consultations.

C. Other types of fees Our fees do not include transaction fees, brokerage commissions
and other related costs and expenses, which you will pay. You may also pay fees charged
by your custodian, mutual funds and other money managers, including: management fees,
custodial fees, mutual fund fees, taxes and transfer fees. We do not receive a portion of
any of these fees. Simply put, they are a necessary part of doing business in the securities
industry. And please remember that by not charging securities sales commissions, we are
keeping your out-of-pocket expenses as low as we possibly can. (Please refer to item 12.)

D. Do we charge in advance We do not charge fees in advance.

E. Do we get compensated (commissions) for the sales of securities No one at KFS
accepts commissions or any other form of compensation for selling you securities or
other investment products.

F. Retirement Rollover Conflicts of Interest
When we provide investment advice to you regarding your retirement plan account or
individual retirement account, we are fiduciaries within the meaning of Title I of the
Employee Retirement Income Security Act and/or the Internal Revenue Code, as
applicable, which are laws governing retirement accounts. The way we make money
creates some conflicts of interest with your interests, so we operate under a special rule
that requires us to act in your best interest and not put our interests ahead of yours.

TYPES OF CLIENTS

Most of our clients are individuals; many are high net worth individuals. We also have
business & corporations, charities, trusts, estates and corporate pension and profit-sharing
plan clients.

The Firm does not impose any requirements on the minimum account size for opening or
maintaining an account.