Paul R RIED Financial Group LLC

Item 5        Fees and Compensation

                              PEAC INVESTMENT ADVISORY PROGRAM FEES

Our annualized fee for the PEAC Investment Advisory Program is calculated upon a percentage of assets
under management and is based on the following tiered fee schedule.

                          Market Value of Account(s)             Annual Advisory Fee
                                Under $1,000,000                          1.25%
                             $1,000,001 - $2,500,000                      1.00%
                             $2,500,001 - $7,500,000                      0.75%
                              $7,500,001 and over                         0.50%

Note: Fees are blended: As the portfolio value reaches each threshold in the above tables, the assets
above that threshold are charged successively lower percentages

There are no set minimum assets under management required for this service, it is determined on a case-
by-case basis. However, we will not enter an investment adviser relationship with a prospective client whose
investment objectives may be considered incompatible with our investment philosophy or strategies, or
where the prospective client seeks to impose unduly restrictive investment guidelines. Paul R. Ried Financial
Group, LLC 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 Paul R. Ried Financial Group, LLC 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, 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.

Fees Billed in Advance: Advisory fees are billed in advance towards the beginning of each calendar
quarter based upon the asset value (market or fair market value in the absence of market value, plus any
credit balance or minus any debit balance), of the client's account equity at the end of the previous
quarter.

When authorized by the client, fees are debited from the account in accordance with the terms set forth in
the Client Management Agreement.

Additions and Withdrawals: If cash or securities are deposited in your account during the quarter, a
prorated asset-based fee based on the value of the assets may be charged upon deposit. You may request
periodic withdrawals; and alternatively, may withdraw account assets subject to the usual and customary
securities settlement procedures. You must acknowledge that your account is responsible for any charges,
including contingent deferred sales charges, surrender charges, or redemption fees, that apply to
redemptions or liquidations of securities held in the account. No asset-based fee adjustment will be made
during any quarter for appreciation or depreciation in asset value during that period, nor shall any
adjustment or refund be made with respect to partial additions or withdrawals which, when aggregated,
total less than $10,000.

                                         FINANCIAL PLANNING FEES

 Paul R. Ried Financial Group, LLC'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. Clients utilizing our PEAC Investment Advisory Program have
 access to our full suite of financial planning services at no additional charge.

 Our Financial Planning fees are calculated and charged on a fixed fee basis, typically ranging from $550
 to $2,000, 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 $500 for work that will not be completed within six months. The
 balance is due upon completion of the plan.

 For larger plans or ongoing engagements, the client may be billed quarterly in advance based on our total
 estimated Financial Planning fees.

                                           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. As disclosed above, certain fees are paid in
 advance of services provided. Upon termination of any account, any prepaid, unearned fees will be
 promptly refunded. 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 Paul R. Ried Financial Group, LLC for the PEAC Investment Advisory
 Program 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
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Item 7         Types of Clients

Paul R. Ried Financial Group, LLC provides advisory services to the following types of clients:

    •    Individuals (other than high net worth individuals)
    •    High net worth individuals
    •    Trusts, Estates & Charitable organizations
    •    Corporations or other businesses not listed above