Macke Financial Advisory Group Inc

Item 5            Fees and Compensation

    A. The client can determine to engage the Firm to provide discretionary or non-discretionary
       investment advisory services on a fee-only basis. The Firm’s compensation differs based upon the
       services that it provides to a client.

         Comprehensive Financial Planning; Consulting Services; Investment Management

         The Firm’s current annual fee schedule is outlined below. If the client determines to engage the
         Firm to provide discretionary and/or non-discretionary investment advisory services on a fee-only
         basis, the Firm’s negotiable annual investment advisory fee is generally based upon a percentage
         (%) of the market value of the assets placed under its management (generally negotiable to 0.90%
         and where bps represents a “basis point” portion of 1%) as follows:

         Asset Range                               Annual Advisory Fee Rate
         $0-$1,000,000                                    0.90%
         On the next $2,000,000                           0.75%
         On the next $2,000,000                           0.50%
         On the next $5,000,000                           0.30 %
         Over $10,000,000                                 Negotiable

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         This tiered fee structure means that we will charge the stated fee amount only on the assets which
         fall within the specific range (similar to how federal income taxes are determined)

         For clients in the first billing tier who maintain less than $250,000 in assets under management
         with the firm, certain minimum fees will be applied as follows:

         Assets under Management                  Minimum Account Management Fee
         $160,000 to $250,000:                    $2,000
         $100,000 to $160,000                     $1,200
         $0 to $100,000                           $600

         Please Note Fee Schedule exceptions:

         If you maintain less than $66,667 of assets under the Firm’s management, and are subject to the
         $600 minimum fee, you will pay a higher percentage quarterly fee than the 0.90% referenced in the
         fee schedule at Item 5 above.

         If you maintain less than $133,333 of assets under Firm’s management, and are subject to the $1200
         minimum fee, you will pay a higher percentage quarterly fee than the 0.90% referenced in the fee
         schedule at Item 5 above.

         If you maintain less than $222,222 of assets under Firm’s management, and are subject to the $2000
         minimum fee, you will pay a higher percentage quarterly fee than the 0.90% referenced in the fee
         schedule at Item 5 above.

         Clients with $250,000 or greater in assets under management with the Firm shall receive Financial
         Planning as part of their engagement. Clients with less than $250,000 in assets under management
         with the firm or clients seeking only financial planning and consulting services without investment
         management may engage the Firm accordingly as described in the “Financial Planning and
         Consulting Services (Stand-Alone),” sections in Items 4 and 5.

         Greater Gifts Family Office program
         Clients who participate in the GGFO program will be charged in accordance with the above fee
         schedules, as applicable. Clients may pay separate fees to unaffiliated vendors who participate in
         the GGFO program. The Firm does not cover any client costs for third party programs. Clients in
         the Firm’s Comprehensive Financial Planning and Investment Management program shall have
         access to GGFO programs at no additional cost. GGFO services may be available to Stand-Alone
         Financial Planning clients at their own expense.

         Pension Consulting Services

         The Firm’s fees for pension consulting services shall be as agreed upon by the client and the Firm
         prior to commencement of the Firm’s services and generally range between 0.30% and 0.60% of
         the value of plan assets, payable quarterly in arrears.

         Financial Planning and Consulting Services (Stand-Alone)

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         To the extent specifically requested by a client, the Firm may determine to provide financial
         planning and/or consulting services (including investment and non-investment related matters,
         including estate planning, insurance planning, etc.) on a stand-alone separate fixed fee basis. the
         Firm’s financial planning and consulting fees are negotiable depending upon the level and scope
         of the service(s) required and the professional(s) rendering the service(s), but generally start at $
         500.00 on a fixed fee basis and $250 on an hourly basis according to the terms and conditions of
         the Financial Planning and Consulting Agreement. Clients who engage the Firm on an hourly basis
         shall receive the initial hour of consultation for free.

         The Firm also offers a separate ongoing financial planning and consulting subscription option in
         lieu of the traditional investment advisory service. The fee would be $100/month, billed quarterly
         in advance.

         This option includes access to eMoney financial planning software and two 30-minute sessions
         with an investment adviser representative of the Firm. Any additional time sessions with the
         investment adviser representative would be billed at $225/hour (which time shall be billed in 15
         minute increments). Access to the Orion portfolio management software system would be available
         at $50 per account and per quarter.

         Miscellaneous Information on Fees

         The Firm, in its sole discretion, may also deviate from its standard fee structure and fee schedule
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Item 7            Types of Clients

         The Firm generally provides services to the following categories of clients: individuals, high net
         worth individuals, related trusts and estates, pensions and profit sharing. Before opening an account
         for new clients, the Firm requires a signed financial planning agreement after reviewing the Letter

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         of Engagement which outlines the services the Firm will provide for the client as part of the
         financial planning process. If the client decides to become an advisory client, then the client will
         need to sign an advisory agreement and a web access agreement if the client desires to have access
         to his or her account via the client portal on the Firm’s website. Prior to opening an account and
         ultimately depositing funds with the custodian, the client must complete and submit the necessary
         forms and associated paperwork appropriate for the type of account being opened along with a
         limited power of attorney certification. However, the Firm reserves the right to decline performing
         planning work or engaging in an advisory agreement where the compensation does not justify the
         cost of servicing the client. The Firm, in its sole discretion, may charge a lesser investment advisory
         fee based upon certain criteria (i.e. anticipated future earning capacity, anticipated future additional
         assets, dollar amount of assets to be managed, related accounts, account composition, negotiations
         with client, etc.). Please Note: As result of the above, similarly situated clients could pay different
         fees. In addition, similar advisory services may be available from other investment advisers for
         similar or lower fees. The Firm’s Chief Compliance Officer, Kevin Jordan, remains available to
         address any questions that a client or prospective client may have regarding advisory fees.