MTR Financial Services LLC

Item 5 – Fees and Compensation

Fees for Investment Supervisory Services will be based on a percentage of Assets Under
Management as follows:

ASSETS UNDER MANAGEMENT                      ANNUAL FEE
      $1 - $500,000                           1.25%

     $500,000 - $1,500,000                        1.00%

    $1,500,000 - $2,500,000                       0.85%

      Over $2,500,000                             0.75%

These fees are negotiable and the final fee schedule will be attached as Exhibit II
of the Investment Advisory Contract. Fees are paid monthly in arrears, and clients
may terminate their contracts with thirty days’ written notice. Because fees are
charged in arrears, no refund policy is necessary. Clients may terminate their
accounts without penalty, for full refund, within 5 business days of signing the
advisory contract. IA will withdraw advisory fees directly from the client’s accounts
with written authorization. There is no account minimum.

INVESTMENT ADVICE NOT INVOLVING SUPERVISION
Financial plans and financial planning may include, but are not limited to: life
insurance; tax concerns; retirement planning; investment planning; college
planning; and debt/credit planning. These services will be based on hourly fees
and the final fee structure will be documented in Exhibit II of the Investment
Advisory Contract.

Depending upon the complexity of the situation and the needs of the client, the
hourly fee for these services is $85 - $150. The fees are negotiable and the final
fee schedule will be attached as Exhibit II of the Investment Advisory Contract.
Fees are paid in arrears upon completion. Because fees are charged in arrears, no
refund is necessary. Either party must provide 30 days written notice if they wish to
terminate the Agreement. Clients may terminate their contracts without penalty, for
full refund, within 5 business days of signing the advisory contract.

MTR’s fees are exclusive of brokerage commissions, transaction fees, and other related
costs and expenses which shall be incurred by the client. Clients may incur certain charges
imposed by custodians, brokers, third party investment and other third parties such as fees
charged by managers, custodial fees, deferred sales charges, odd-lot differentials, transfer
taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage
accounts and securities transactions. Mutual funds and exchange traded funds also charge
internal management fees, which are disclosed in a fund’s prospectus. Such charges, fees

and commissions are exclusive of and in addition to MTR’s fee, and MTR shall not receive
any portion of these commissions, fees, and costs.

Item 12 further describes the factors that MTR considers in selecting or recommending
broker-dealers for client transactions and determining the reasonableness of their
compensation (e.g., commissions).

Item 7 – Types of Clients

MTR generally provides portfolio management services to individuals, trusts, estates,
and/or charitable organizations. There are no account minimums nor are there any net
worth minimums required to qualify as a potential client of MTR.