Money Management Financial Services LLC

Item 5: Fees and Compensation

A. Fee Schedule

The annualized fees for investment advisement services can be charged on a fixed
annual rate basis or as a percentage of assets under management, according to the
following schedule:

Portfolio Management Fees

        Total Assets Under Management                Annual Fees
        $0 - $250,000                                1.25%

        $250,001 - $500,000                          1.00%

        $500,001 - $750,000                          0.75%

        $750,001 - $2,000,000                        0.50%

        $2,000,001 - $5,000,000                      0.25%

        $5,000,000 - AND UP                          0.10%

The fee schedule above is based on a tiered fee schedule.

BFF may group certain related accounts for the purpose of determining the annualized
fee.

BFF and your representative do not retain 12b-1 fees paid by funds for either qualified or
non-qualified accounts. Any 12b-1 fees paid are wholly retained by Charles Schwab &
Co., Inc. Advisor Services.

All annual fixed fees are discussed and agreed to by the parties and are based on the
nature of the services being provided and the complexity of each client’s circumstances.
Such fees are billed on a quarterly basis which is determined by the adviser and client. All
fees are agreed upon prior to entering into a contract with any client.

The fixed rate for these services will be between $250 and $25,000.

Limited Negotiability of Advisor Fees: Although BBF has established the aforementioned
fee schedule(s), we retain the discretion to negotiate alternative fees on a client-by-client
basis. Client facts, circumstances and needs are considered in determining the fee
schedule. These include the complexity of the client, assets to be placed under
management, anticipated future additional assets, related accounts, portfolio style,
account composition, reporting needs, among other factors. The specific annual fee
schedule is identified in the contract between the adviser and each client.

An average of the client’s balance using the starting and ending balances for the billing
period, taking into account weighted case flows, is used to compute the advisory fee. All
new accounts will be tiered on the end of period balance for the first billing cycle only.

These fees are 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 BFF's fees within five business days of signing the Investment Advisory
Contract. Thereafter, clients may terminate the Investment Advisory Contract with 10
days' written notice. The agreement may be terminated by either the client or BFF upon
written notice.

Pension Consulting Services Fees

Pension consulting plans will be provided on an hourly or fixed fee basis. All other
pension consulting services will be provided for an asset-based fee. Fees can be paid by
deducting the fee from the investment accounts or by invoice to the plan trustee. Fee
payment will be determined by the adviser and client.

Asset-Based Fees for Pension Consulting

Discretionary

       Total Assets Under Management          Annual Fee
       $0 - $250,000                          1.25%

       $250,001 - $500,000                    1.00%

       $500,001 - $750,000                    0.75%

       $750,001 - $2,000,000                  0.50%

       $2,000,001 - $5,000,000                0.25%

       $5,000,001 - AND UP                    0.10%

The fee schedule above is based on a tiered fee schedule.

BFF may group certain related accounts for the purpose of determining the annualized
fee.

BFF and your representative do not retain 12b-1 fees paid by funds for either qualified or
non-qualified accounts. Any 12b-1 fees paid are wholly retained by Charles Schwab &
Co., Inc. Advisor Services

All annual fixed fees are discussed and agreed to by the parties and are based on the
nature of the services being provided and the complexity of each client’s circumstances.
Such fees are billed on a quarterly basis which is determined by the adviser and client. All
fees are agreed upon prior to entering into a contract with any client.

The fixed rate for these services will be between $250 and $25,000.

Limited Negotiability of Advisor Fees: Although BBF has established the aforementioned
fee schedule(s), we retain the discretion to negotiate alternative fees on a client-by-client
basis. Client facts, circumstances and needs are considered in determining the fee
schedule. These include the complexity of the client, assets to be placed under
management, anticipated future additional assets, related accounts, portfolio style,
account composition, reporting needs, among other factors. The specific annual fee
schedule is identified in the contract between the adviser and each client.

An average of the client’s balance using the starting and ending balances for the billing
period, taking into account weighted case flows, is used to compute the advisory fee. All
new accounts will be tiered on the end of period balance for the first billing cycle only.
However, the advisory fee for non-discretionary pension accounts held away from
Charles Schwab & Co., Inc. Advisor Services is calculated using the end of quarter balance.

These fees are negotiable and the final fee schedule is attached as Exhibit II of the pension
consulting agreement.

Clients may terminate the agreement without penalty for a full refund of BFF's fees within
five business days of signing the Investment Advisory Contract. Thereafter, clients may
terminate the pension consulting agreement with 10 days' written notice. BFF bills based
on the balance on the first day of the billing period. The agreement may be terminated by
either the client or BFF upon written notice.

Non-Discretionary

     Total Assets Under Management             Annual Fee
     $0 - $250,000                             1.25%
...

Item 7: Types of Clients

BFF provides advisory services to the following types of clients:

       ❖       Individuals
       ❖       High-Net-Worth Individuals
       ❖       Pension and Profit Sharing Plans
       ❖       Corporations or Business Entities

There is no account minimum for any of BFF’s services.