Mark J Snyder Financial Services Inc

Item 5 Fees and Compensation

    A.
                                         NON-WRAP FEE BASIS
         The client can determine to engage the Registrant to provide discretionary investment
         advisory services on a negotiable fee basis. The Registrant’s annual investment advisory
         fee shall be based upon a percentage (%) of the market value and type of assets placed

4890-1946-7937, v. 1

         under the Registrant’s management, generally between 0.50% and 2.50% (depending upon
         the level and scope of the service(s) required) to be charged quarterly in advance.

         For assets managed indirectly, the annual fee is 0.50% and there is a minimum account
         balance of $100,000. Fees on indirectly managed assets, such as an employer-sponsored
         401(k) or 403(b), will count towards the minimum annual client fee of $2,500. Please Also
         Note: In the event that the client is subject to an annual minimum fee, the client could pay
         a higher percentage fee than referenced above. ANY QUESTIONS: Registrant’s Chief
         Compliance Officer, Mark J. Snyder, remains available to address any questions that a client
         or prospective client may have regarding advisory fees.

         The Registrant’s investment advisory fee is negotiable at Registrant’s discretion, and
         Registrant may charge a lesser investment advisory fee, charge a flat fee, waive its fee
         entirely, or charge fee on a different interval, 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, complexity of the engagement, anticipated
         services to be rendered, grandfathered fee schedules, employees and family members,
         courtesy accounts, competition, negotiations with client, etc.). As a result of these factors,
         similarly situated clients could pay different fees, the services to be provided by the
         Registrant to any particular client could be available from other advisers at lower fees, and
         certain clients may have fees different than those specifically set forth above.

         Registrant’s Chief Compliance Officer, Mark J. Snyder, remains available to address any
         questions that a client or prospective client may have regarding advisory fees.

                         VISION 2020 WEALTH MANAGEMENT PROGRAM FEES

         The Registrant also offers its clients the Vision 2020 Wealth Management Program (the
         “Program”). The services offered under, and the corresponding terms and conditions
         pertaining to, the Program are discussed in the Wealth Management Program Wrap Fee
         Brochure, a copy of which is presented to all existing and prospective Program participants.
         Under the Program, the Registrant is able to offer participants discretionary investment
         management services, for a single specified annual Program fee, inclusive of trade
         execution, custody, reporting, and investment management fees. The current annual
         Program fee charges a maximum of 2.50% depending upon the amount and type of the
         Program assets. The complete schedule of program fees is set forth in the Wealth
         Management Program Wrap Fee Brochure and provided by the Registrant to its clients or
         prospective client prior to or concurrent with their engagement in the Program.

         Depending upon the wrap fee, the amount of portfolio activity in the client's Account, the
         value of custodial and other services provided under the Program, and other factors, the
         wrap fee may or may not exceed the aggregate cost of such services if they were to be
         provided separately. Accordingly, the client should review both the fees charged by any
         funds in which the client's assets are invested and the fees charged for the Program to fully
         understand the total amount of fees paid by the client.

                               RETIREMENT PLANNING AND CONSULTING

         To the extent specifically requested by client, Registrant may provide its clients with
         retirement planning consulting services on a separate fee basis. Registrant will charge a fee
         (fixed fee and/or hourly) for these services. Registrant’s consulting fees are negotiable and

4890-1946-7937, v. 1

         are generally due upon commencement of the engagement. Fees generally range from
         $500 to $5,000 on a fixed fee basis (depending upon complexity) for an investment analysis
         or retirement analysis, and from $200 to $300 on an hourly basis, depending upon the level
         and scope of service(s) required and the professional rendering the service(s).

                 EMPLOYER SPONSORED RETIREMENT PLAN ALLOCATION SERVICES
         Registrant also provides investment management services to clients relative to their
         individual employer-sponsored retirement plans. In so doing, Registrant either directs or
         recommends the allocation of client assets among the various investment alternatives that
         comprise the retirement plan. For these services, Registrant’s management fee is paid
         quarterly in arrears, the amount of which management fee shall vary (between 0.30% and
         0.60%) based upon the market value of the assets on the last business day of the previous
         quarter.

                            VARIABLE ANNUITY SUB-ACCOUNT SERVICES
         Registrant may provide management services for variable annuity sub-accounts. For these
         services, Registrant’s management fee is paid quarterly in arrears, the amount of which
         management fee shall vary (between 0.30% and 0.60%) based upon the market value of
         the assets on the last business day of the previous quarter. If the variable annuity product
...

Item 7            Types of Clients

         The Registrant’s clients shall generally include individuals, business entities, trusts, estates
         and charitable organizations, pension and profit-sharing plans. The Registrant requires a
         minimum asset under management level of $100,000 (with a minimum account size of
         $50,000) for investment advisory services. Legacy LIFA clients will be subject to the
         legacy LIFA fee schedule and minimum account restrictions. However, Registrant, in its
         sole discretion, may reduce its minimum asset level and/or charge a lesser investment
         management 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.).

         Registrant, in its discretion, may charge a lesser investment advisory fee, charge a flat fee,
         waive its fee entirely, or charge fee on a different interval, 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, complexity of the
         engagement, anticipated services to be rendered, grandfathered fee schedules, employees
         and family members, courtesy accounts, competition, negotiations with client, etc.). Please
         Note: As result of the above, similarly situated clients could pay different fees. In addition,

4890-1946-7937, v. 1

         similar advisory services may be available from other investment advisers for similar or
         lower fees. ANY QUESTIONS: Registrant’s Chief Compliance Officer, Mark J. Snyder,
         remains available to address any questions that a client or prospective client may have
         regarding advisory fees.