LTG Capital LLC

Item 5 Fees and Compensation

LTG Capital LLC offers investment advisory services for a percentage of assets under management, hourly
charges, or fixed fees (not including subscription fees).

Compensation for the above services will vary and is negotiable, but typically ranges on an annual basis
between 0.25% to 1.50% of assets under management. Fees are calculated and assessed at the end of
each quarter and may be payable in advance or in arrears. Typical charges are as follows: amounts of up
to $1 million will be charged an annual fee of 1.5% of assets under management, $1 million to $2 million
will be charged 1.25% and 1% for amounts above $2 million. Please see Table of Fees for Services
attached hereto.

To the extent a client invests in mutual funds, clients will also incur mutual fund fees and expenses.
From time to time, clients may be advised to invest in shares of mutual funds. Mutual funds incur fees
and expenses which are paid to the fund's investment adviser and to other fund service providers. Such

fees and expenses are described in each mutual fund's prospectus, which clients are encouraged to
review. Clients of Adviser who invest in mutual funds will incur the mutual fund fees and expenses in
addition to the investment advisory fees charged by Adviser.

Clients or Adviser may terminate the advisory relationship at any point in time. In the event fees are
paid in advance, Adviser will refund the unearned fees on a pro rata basis. Clients will receive a full
refund of any fees paid if the contract is terminated within five business days of signing the contract.

LTG Capital receives economic benefits from Fidelity and Schwab through the use of their trading
platforms. LTG Capital, LLC does not directly or indirectly compensate any person for client referrals.
Compensation for services vary and is negotiable, but typically ranges on an annual basis between 0.25%
to 1.50% of assets under management. No financial planning fee, hourly fee, or fixed fee is charged.

Item 7 Types of Clients

LTG Capital generally provides investment advice to individuals, and trusts, estates, or charitable
organizations.

The types of investments include:

A. Equity securities
   1. exchange-listed securities
   2. securities traded over-the-counter
   3. foreign issuers

B. Warrants

C. Corporate debt securities (other than commercial paper)

D. Commercial paper

E.   Certificates of deposit

F.   Municipal securities

G. Investment company securities
   1. variable life insurance
   2. variable annuities
   3. mutual funds

H. United States government securities

I.   Interests in partnerships investing in:
     1. real estate
     2. oil and gas interests