Lesko Securities Inc

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

        Total Assets Under Management              Annual Fees
        $0 - $1,000,000                            1.00%

        $1,000,000 - $1,499,999                    0.90%

        $1,500,000 - $1,999,999                    0.80%

        $2,000,000 - $2,4999,999                   0.70%

        $2,500,000 - $2,999,999                    0.60%

        $3,000,000 - $3,499,999                0.55%

        $3,500,000+                            0.50%

The advisory fee is calculated utilizing the method of taking the end of period balance
plus weighted cash flows. This method will account for the balance at the end of the period
plus any cash flows to and from the account during the billing period.

These fees are generally negotiable, and the final fee schedule is attached as Exhibit II of
the Investment Advisory Contract. Clients may terminate the agreement without penalty
for a full refund of LSI's fees within five business days of signing the Investment Advisory
Contract. Thereafter, clients may terminate the Investment Advisory Contract with timely
notice to allow for refund of unearned fees to client’s account prior to transfer/withdrawal.

CollegeAmerica 529 F-2 share class Advisory Fees

With American Funds ® fund direct 529-F2 program our Advisory Fees are charged at a
flat rate equal to an annual charge of 0.45% and are calculated quarterly in arrears and
deducted by American Funds ® from the account and paid to us on a quarterly basis by
applying the fee to the client’s accounts’ Average Daily Balance.

Financial Planning Fees

Hourly Fees

The negotiated hourly fee for these services is between $120 and $400.

Clients may terminate the agreement without penalty, for full refund of LSI’s fees, within
five business days of signing the Financial Planning Agreement. Thereafter, clients may
terminate the Financial Planning Agreement generally upon written notice.

B. Payment of Fees
Payment of Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis. Fees are paid in advance.

Payment of Financial Planning Fees

Financial planning fees are paid via check.

Hourly financial planning fees are paid in arrears upon completion.

C. Client Responsibility for Third Party Fees

Clients are responsible for the payment of all third-party fees such as custodian fees,

              brokerage fees, mutual fund fees, and transactions fees. Those fees are separate from the
              fees and expenses charged by LSI. Please see Item 12 for information about the
              custodian/broker-dealer.

              D. Prepayment of Fees

              LSI collects fees in advance. Refunds for fees paid in advance will be returned within
              thirty days to the client via check or return deposit back into the client’s account.
For all asset-based fees paid in advance, the fee refunded will be equal to the balance of the fees collected
in advance minus the daily rate* times the number of days elapsed in the billing period up to and
including the day of termination. (*The daily rate is calculated by dividing the annual asset-based fee
rate by 365.)

              Supervised persons of LSI are also registered broker-dealer representatives of LSI. In
              addition, supervised persons of LSI are licensed insurance agents. In these roles, they
              accept compensation for the sale of investment products to LSI clients.

              This is a Conflict of Interest

                  Supervised persons may accept compensation for the sale of investment products,
                  including asset-based sales charges or service fees from the sale of mutual funds to
                  LSI's clients. This presents a conflict of interest and gives the supervised person an
                  incentive to recommend products based on the compensation received rather than on
                  the client’s needs. When recommending the sale of investment products for which the
                  supervised persons receive compensation, LSI will document the conflict of interest in
                  the client file and inform the client of the conflict of interest.

               Clients Have the Option to Purchase Recommended Products from Other Brokers

                  Clients always have the option to purchase LSI recommended products through
                  other brokers or agents that are not affiliated with LSI.

                Commissions are not LSI's primary source of compensation for advisory services

                  Commissions are not LSI’s primary source of compensation for advisory services.

              Advisory Fees in Addition to Commissions or Markups

                  Advisory fees that are charged to clients are not reduced to offset the commissions or
                  markups on investment products recommended to clients.

Item 7: Types of Clients

LSI generally provides advisory services to the following types of clients:

       ❖       Individuals and High-Net-Worth Individuals
       ❖       Trusts
       ❖       Estates
       ❖       Charities
       ❖       Pension and Profit-Sharing Plans
       ❖       Corporations and Businesses

LSI requires a minimum account size of $25,000 which the firm may waive at its discretion.