Oxley Harry KEIR

Item 5 Fees and Compensation
Description
       Double Bay Management & Planning bases its fees on a percentage of
       assets under management, hourly charges or fixed fees
       Some Retainer Agreements may be priced based on the complexity of work,
       especially when asset management is not the most significant part of the
       relationship.
       Financial plans are priced according to the degree of complexity associated
       with the client’s situation.
       Fees are not negotiable.

Individual Portfolio Management
       The annual Advisory Service Agreement fee is based on a percentage of the
       investable assets according to the following schedule:
                1.00% on the first $500,000;
                0.80% on the next $500,000 (from 500,001 to 1,000,000); and
                0.60% on the assets above $1,000,000.
       Our firm charges this fee on a quarterly basis in arrears. Our firm may charge
       our fees directly through the account or otherwise bill the client directly. The
       client must consent in advance to direct debiting of their investment account.
       The minimum annual fee is $9,000 and is not negotiable. Both current and
       future client relationships may exist where the fees are higher or lower than
       the fee schedule above.

Financial Planning
       The fee for a financial plan is predicated upon the facts known at the start of
       the engagement. The fee range is $500 to $10,000 and is not negotiable.
       Since financial planning is a discovery process, situations occur wherein the
       client is unaware of certain financial exposures or predicaments.
       In the event that the client’s situation is substantially different than disclosed
       at the initial meeting, a revised fee will be provided for mutual agreement.
       The client must approve the change of scope in advance of the additional
       work being performed when a fee increase is necessary.
       After delivery of a financial plan, future face-to-face meetings may be
       scheduled as necessary. Follow-on implementation work is billed separately
       at the rate of $200 per hour.

                       DOUBLE BAY MANAGEMENT & PLANNING

       Hourly Planning Engagements
       Double Bay Management & Planning provides hourly planning services for
       clients who need advice on a limited scope of work. The hourly rate for
       limited scope engagements is $200.
       Fees for financial plans are billed upon delivery of the financial plan.
Pension Consulting Fees
       This service may be charged as either a percentage or a flat fee as
       determined in each client’s agreement.
       When we charge an annual fee for Pension Consulting Services, the fee will
       range from .01% to 1% of plan assets depending on the services requested
       and the size of the plan.
       Alternatively, a flat fee may be charged and will range from $4,000 to
       $50,000. This fee is not negotiable. Both current and future client
       relationships may exist where the fees are higher or lower than the fee
       schedule above.
       Plan sponsors are invoiced in arrears at the end of each calendar quarter.
       We do not require any minimum fee.
Selection And Monitoring Of Third-Party Money Managers Fees
       We are paid by the independent adviser selected by the client for portfolio
       management services. Our fee is based on a percentage of the client's
       managed assets (typically ranging up to 1% of the fee charged by the
       independent investment adviser, depending on the size of the account), which
       is included in the independent investment adviser's annual management fee.
       The portion of the advisory fee paid to us does not increase the client's
       ultimate advisory fee paid to the selected independent investment adviser.
       Clients are provided with a separate disclosure document describing the fee
       paid to us by such independent registered investment advisers. The total
       asset management fee, including the referral fee paid to our firm, is disclosed
       in the independent investment adviser's disclosure document.
       Double Bay Management & Planning's fee for this service does not include
       the independent investment adviser's fee for that entity's
       advisory/management services. The independent investment adviser's
       management fee is disclosed in the independent investment adviser's Firm
       Brochure or other disclosure document.

Other Fees
       Custodians may charge transaction fees on purchases or sales of certain
       mutual funds and exchange-traded funds. These transaction charges are
       usually small and incidental to the purchase or sale of a security. The

                      DOUBLE BAY MANAGEMENT & PLANNING

       selection of the security is more important than the nominal fee that the
       custodian charges to buy or sell the security.
       Double Bay Management & Planning, in its sole discretion, may waive its
       minimum fee and/or charge a lesser investment advisory fee based upon
       certain criteria (e.g., historical relationship, type of assets, anticipated future
       earning capacity, anticipated future additional assets, dollar amounts of
       assets to be managed, related accounts, account composition, negotiations
       with clients, etc.).
       New Advisory Service Agreement fees are calculated on a formula basis and
       adjusted for complexity of individual situations. The formula is based on gross
       income, gross assets and other financial considerations.
       Clients should note that similar advisory services may (or may not) be
       available from other registered (or unregistered) investment advisers for
       similar or lower fees.
Limited Prepayment of Fees
       Under no circumstances do we require or solicit payment of fees in excess of
...

Item 7 Types of Clients
Description
       Double Bay Management & Planning generally provides investment advice to
       individuals, high net worth individuals, banks or thrift institutions, investment
       companies, pension and profit sharing plans, trusts, estates, or charitable
       organizations, corporations or business entities.
       Client relationships vary in scope and length of service.
Account Minimums
       The minimum account size is $1,000,000 of assets under management,
       which equates to an annual fee of $9,000.
       When an account falls below $1,000,000 in value, the minimum annual fee of
       $9,000 will still be charged.
       Double Bay Management & Planning has the discretion to waive the account
       minimum and minimum fees.

                      DOUBLE BAY MANAGEMENT & PLANNING