Montgomery Investment Management Inc

Item 5        Fees and Compensation
                                                      Fee Schedule
                                        1.2%    First $ 500,000 of Market Value
                                        0.6%    Next $1,500,000 of Market Value
                                        0.5%    Next $3,000,000 of Market Value
                                        0.4%    Next $15,000,000 of Market Value
              Above $20,000,000, Institutional Accounts, & under special circumstances fees may be negotiable
             As a result of Lakeshore /MIM merger, Lakeshore clients will maintain their Lakeshore fee schedule
                                   Family related accounts are aggregated for fee purposes

Montgomery's fees apply to both discretionary and non-discretionary accounts. Accounts are charged in advance on
a calendar quarter basis. Clients have the choice of paying fees directly, or with written client authorization, fees may
be deducted from the account. Payments shall be due within fifteen (15) days after the end of each quarter during the
term of the advisory agreement. Clients will be responsible for verifying the accuracy of Montgomery’s fee
calculation; the Custodian will not determine whether the fee is calculated properly. Accounts opened during the
quarter will be assessed a pro-rated portion of the fees. Additional assets in excess of $50,000 contributed by a client
to their existing investment account assets during a quarter will be charged a pro rata fee based upon the number of
days remaining in the quarter. Clients may withdraw investment account assets upon notice to MIM, subject to the
usual and customary securities settlement procedures. No fee adjustment will be made for partial withdrawals or for
appreciation or depreciation of assets within a billing period. Montgomery may adjust fees with 30 days prior written
notice.

Montgomery's contract extends for twelve months and is renewed automatically. The client may terminate the contract
at any time upon written notice. Montgomery may terminate the contract with 15 days prior written notice. Refunds
of excess fees will be determined on a pro rata basis according to the number of days the account remained under
contract, measured either from the date written notice is received from the client or sent to the client by Montgomery.
Our all-inclusive fees are based on the market value of the assets under management. We believe this is a significant
advantage to the client because our fees are never influenced by a need to generate commissions or promote a particular
investment or mutual fund.

Montgomery Investment Management does not receive compensation from broker/dealers for any investment advisory
client transaction. No employee of Montgomery may receive commissions from orders placed by Montgomery.
Clients may incur brokerage commissions and fees separate from Montgomery’s fees. Clients have the option to
purchase, sell, and custody products Montgomery recommends through a broker/dealer of their choice. Clients may
be invested in money market funds, for which their custodian may be paid a fee. This fee will be disclosed to clients
upon request. Clients may also, upon request, hold mutual fund positions. Mutual funds typically have 12b-1 fees paid
to the custodian in addition to required operating expenses collected by the fund, which are disclosed in each fund
prospectus, which is provided to the client at the time of purchase or before.
Montgomery may establish accounts with clients holding secondary advisory relationships when such clients are
provided and sign Dual Contract Agreements. In such cases, these clients will be informed of the specifics regarding
each party’s separate fee arrangements and responsibilities. A copy of both contracts, signed by the client and firm
representatives, will be approved and maintained by both firms.

Item 7       Types of Clients

Montgomery Investment provides investment advice to various types of clients which include, but are not limited to:
Financial Institutions, Individuals, Joint Accounts, Custodial Accounts, Estates, Charitable Entities, Retirement
Accounts, Trusts, Corporations, Partnerships and other business entities.
Montgomery Investment has an initial account requirement of $ 300,000.00, noting some related accounts may be
linked for determining the dollar value of assets.