Plotkin Financial Advisors LLC

Item 5 Fees and Compensation
Portfolio Management Services

PFA is compensated through an annualized asset-based fee, which will be paid quarterly in advance,
as indicated in the table below.

                        Portfolio Value             Annual Wrap Advisory Fee
                        $0 - $2,500,000             1.10%
                        $2,500,000 - $5,000,000 1.00%
                        Over $5,000,000             Negotiable

The advisory fee is debited directly from advisory accounts by the custodian (Schwab) and remitted to
PFA per the client's advisory contract and provided the client has given PFA written authorization.
Fees are negotiable and are not based on a share of capital gains upon or capital appreciation of the
funds or any portion of the funds. The management fee is a percentage of the market value of the
assets in the account and is agreed upon with the client in the asset management contract prior to the
onset of service. The account management fee will be payable quarterly in advance and will be
calculated as a percentage of the market value of all assets in the account on the last business day of
each calendar quarter. The initial advisory fee for accounts established during a calendar quarter will
be stated and charged the first full calendar quarter unless the account is opened within the first 10
days of the quarter during which it will be charged a prorated portion of the fee for the current quarter.
Fees are calculated on margin accounts by using the value of the account which includes the margin.
The value will be higher than the market value of the account resulting in an increased fee.

PFA, its advisors, or the client may terminate this fee-based relationship at any time by providing
written notification to the other. In such a circumstance, the quarterly fee will be pro-rated based on the
number of days the account was open during the current quarter and the client will be refunded any
pre-paid, unearned fees. No fee adjustments will be made for additional deposits to the account or
partial withdrawals from the account or for Account appreciation or depreciation during the calendar
quarter. PFA aggregates all your managed accounts together to determine your annual wrap advisory
fee. PFA can change the above fee schedule upon 30-days prior written notice to you. An account
statement will be provided reflecting the deduction of the advisory fee direct from the account
custodian. If the Account does not contain sufficient funds to pay advisory fees, PFA has limited
authority to sell or redeem securities in sufficient amounts to pay advisory fees. The client may
reimburse the account for advisory fees paid to PFA, except for ERISA and IRA accounts.

Selection of Other Advisers
We do not charge you a separate fee for the selection of other advisers. The TPAM will share in the
advisory fee you pay directly to PFA.

Financial Planning Services

Fees for financial planning services are covered by the fees charged for portfolio management
services described above. For standalone financial planning services, there is an charge of $1,000 for
the initial plan and then $800 annually for updates to the plan. Fees for the initial financial plan is 50%
upfront, with the remaining 50% due upon delivery of the plan.

Defined Contribution Plan Services

PFA is compensated though an annualized asset-based fee, which will be paid quarterly in advance.
Fees are negotiable and are not based on a share of capital gains upon or capital appreciation of the
funds or any portion of the funds. PFA doing business as Plotkin Retirement Advisors will quote the
Plan a fee based on the fee range below. The fee will be determined based on several factors
including size and complexity of the Plan, complexity of services, and number educational seminars
per year. Fees range from .40% to .50% of plan assets annually. The management fee is a percentage
of the market value of the assets in the account and is agreed upon with the client in the advisory
contract prior to the onset of service. No fee adjustments will be made for additional deposits to the
Plan or partial withdrawals from the Plan or for account appreciation or depreciation during a calendar
quarter. The account management fee will be payable quarterly in advance and will be calculated as a
percentage of the market value of all assets in the account on the last business day of each calendar
quarter.

Plotkin Retirement Advisors will direct its fee invoices to the third-party administrator. Payment to
Plotkin Retirement Advisors must be made payable to PFA within 30 days of receipt of the invoice.

In addition to Plotkin Retirement Advisors' advisory fee above, the Plan and/or Plan participants will
pay third party administrator fees, custodial fees, account maintenance fees and other fees associated
with maintaining the Plan Account. Such fees are not charged by Plotkin Retirement Advisors and are
charged by the product, broker/dealer or account custodian. Plotkin Retirement Advisors does not
share in any portion of such fees. Additionally, the Plan and/or Plan participants may pay a
proportionate share of the fund's management and administrative fees and sales charges as well as
the mutual fund adviser's fee of any mutual fund purchased. Such advisory fees are not shared with
Plotkin Retirement Advisors and are compensation to the fund- manager.

Plotkin Retirement Advisors will not receive trail compensation or any other additional compensation
on Plan assets other than its advisory fee invoiced to the third-party administrator on Plan.

PFA, its advisors, or the client may terminate this fee-based relationship at any time by providing
written notification to the other. In such a circumstance, the quarterly fee will be pro-rated based on the
number of days the account was open during the current quarter and the client will be refunded any
pre-paid, unearned fees.

Consultation Services
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Item 7 Types of Clients
PFA offers and/or provides advisory services to the following types of clients:

    • Individuals (other than high net worth individuals)
    • High net worth individuals (clients with a net worth of at least $2,000,000, exclusive of primary
      residence or has at least $1,000,000 under management with PFA)
    • Corporations or other businesses not listed above
    • Pension and profit-sharing plans

PFA generally prefers clients deposit a minimum of $500,000 (cash or securities) to brokerage
accounts in order to participate in investment advisory services offered by PFA. The minimum
accounts size of $500,000 is based on an aggregated portfolio value of accounts under management
with PFA. Clients are advised that when investing less than the preferred minimum performance can
suffer due to difficulties with diversifying smaller accounts and due to risk controls being compromised.