Mullaney Keating & Wright Inc

Item 5        Fees and Compensation

                                  INVESTMENT SUPERVISORY SERVICES
                               INDIVIDUAL PORTFOLIO MANAGEMENT FEES

   Our annual fees for Investment Supervisory Services are based upon a percentage of assets under
   management according to the following schedule:

                                Assets Under Management               Annual Fee

                                    First $500,000                     0.80%

                                    next $500,000                      0.60%

                                    next $1,000,000                    0.40%

                                    next $3,000,000                    0.30%

                                 amounts over $5,000,000             negotiable

   The fee will be calculated each calendar quarter and collected later in the quarter. The fee will be
   based on the value of the account(s) assets under management as of the close of business on the last
   business day of the preceding quarter.

   A minimum of $1,000,000 of assets under management is required for this service. This account size
   may be negotiable under certain circumstances. Mullaney, Keating and Wright, Inc. may group certain
   related client accounts for the purposes of achieving the minimum account size and determining the
   annualized fee.

   Limited Negotiability of Advisory Fees: Although Mullaney, Keating and Wright, Inc. has established the
   aforementioned fee schedule, 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, reports, among other factors.
   The specific annual fee schedule is identified in the contract between the adviser and each client.

   We may group certain related client accounts for the purposes of achieving the minimum account size
   requirements and determining the annualized fee.

   Discounts, not generally available to our advisory clients, may be offered to family members and friends
   of associated persons of our firm.
                                           FINANCIAL PLANNING FEES

   Mullaney, Keating and Wright, Inc.'s Financial Planning fee is determined based on the nature of the
   services being provided and the complexity of each client's circumstances. All fees are agreed upon prior
   to entering into a contract with any client.

   Our Financial Planning fees are calculated and charged on a fixed fee basis, typically ranging from $1,500
   to $3,500, depending on the specific arrangement reached with the client.

   We may request a retainer upon completion of our initial fact-finding session with the client; however,
   advance payment will never exceed 50% of the plan preparation fee. The balance is due upon
   completion of the plan.

   Financial Planning Fee Offset: Mullaney, Keating and Wright, Inc. reserves the discretion to reduce or
   waive the hourly fee and/or the minimum fixed fee if a financial planning client chooses to engage us for
   our Portfolio Management Services.

                                            GENERAL INFORMATION

   Termination of the Advisory Relationship: A client agreement may be canceled at any time, by either
   party, for any reason upon receipt of 30 days written notice. In calculating a client's reimbursement of
   fees, we will pro rate the reimbursement according to the number of days remaining in the billing
   period.

   Mutual Fund Fees: All fees paid to Mullaney, Keating and Wright, Inc. for investment advisory services
   are separate and distinct from the fees and expenses charged by mutual funds and/or ETFs to their
   shareholders. These fees and expenses are described in each fund's prospectus. These fees will generally
   include a management fee, other fund expenses, and a possible distribution fee. If the fund also imposes
   sales charges, a client may pay an initial or deferred sales charge. A client could invest in a mutual fund
   directly, without our services. In that case, the client would not receive the services provided by our firm
   which are designed, among other things, to assist the client in determining which mutual fund or funds
   are most appropriate to each client's financial condition and objectives. Accordingly, the client should
   review both the fees charged by the funds and our fees to fully understand the total amount of fees to
   be paid by the client and to thereby evaluate the advisory services being provided.

   Wrap Fee Programs and Separately Managed Account Fees: Mullaney, Keating & Wright does not
   offer what are commonly referred to as "wrap fee" programs or "separately managed account"
   programs that utilize third-party investment managers.

   Additional Fees and Expenses: In addition to our advisory fees, clients are also responsible for the fees
   and expenses charged by custodians and imposed by broker dealers, including, but not limited to, any
   transaction charges imposed by a broker dealer with which an independent investment manager effects
   transactions for the client's account(s). Please refer to the "Brokerage Practices" section (Item 12) of this
   Form ADV for additional information.

   Grandfathering of Minimum Account Requirements: Pre-existing advisory clients are subject to
   Mullaney, Keating and Wright, Inc.'s minimum account requirements and advisory fees in effect at the
   time the client entered into the advisory relationship. Therefore, our firm's minimum account
   requirements will differ among clients.

    ERISA Accounts: Mullaney, Keating and Wright, Inc. is deemed to be a fiduciary to advisory clients that
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Item 7        Types of Clients
   Mullaney, Keating and Wright, Inc. provides advisory services to the following types of clients:

       •   Individuals (other than high net worth individuals)
       •   High net worth individuals
       •   Pension and profit sharing plans(other than plan participants)
       •   Charitable organizations
       •   Corporations or other businesses not listed above

   As previously disclosed in Item 5, our firm has established certain initial minimum account
   requirements, based on the nature of the service(s) being provided. For a more detailed understanding
   of those requirements, please review the disclosures provided in each applicable service.