RH Investment Group LLC

Item 5           Fees and Compensation
RHIG provides discretionary investment advisory services on a fee only basis.

INVESTMENT ADVISORY SERVICES
RHIG’s annual investment advisory fee is based upon a percentage (%) of the market value of the assets
placed under RHIG’s management (between 0.75% and 1.00%) as follows:

         Market Value of Portfolio                 % of Assets
         $750,000.00- $999,999.99                    1.00%
         $1,000,000.00- $1,999,999.99                0.85%
         More than $2,000,000.00                     0.75%

Clients may elect to have RHIG’s advisory fees deducted from their custodial account. Both RHIG's
Investment Advisory Agreement and the custodial/clearing agreement may authorize the custodian to debit
the account for the amount of RHIG's investment advisory fee and to directly remit that management fee to
RHIG in compliance with regulatory procedures. In the limited event that RHIG bills the client directly,
payment is due upon receipt of RHIG’s invoice. RHIG shall deduct fees and/or bill clients quarterly in
advance, based upon the market value of the assets on the last business day of the previous quarter.

As discussed below, RHIG requires that Charles Schwab and Co., Inc. (“Schwab”) serve as the broker-
dealer/custodian for client investment management assets. Please see item 12 below for more information
about Schwab. Broker-dealers such as Schwab charge brokerage commissions and/or transaction fees for
effecting certain securities transactions (i.e. transaction fees are charged for certain no-load mutual funds,
commissions are charged for certain individual equity and fixed income securities transactions). Further,
your accounts may be subject to additional fees charged by the custodian of your portfolio, such as wire
transfer, margin interest, or other account fees. In addition to RHIG’s investment management fee,
brokerage commissions and/or transaction fees, clients will also incur relative to all mutual fund and
exchange traded fund purchases charges imposed at the fund level (e.g. management fees and other fund
expenses). All such fees charged by third-parties are separate from, and in addition to RHIG’s investment
management fee.

RHIG's annual investment advisory fee shall be prorated and paid quarterly, in advance, based upon the
market value of the assets on the last business day of the previous quarter. RHIG generally requires a
minimum asset level of $750,000.00 for investment advisory services. RHIG, in its sole discretion, may
reduce its investment management fee and/or reduce or waive its minimum asset requirement based upon
certain criteria (e.g., anticipated future earning capacity, anticipated future additional assets, dollar amount
of assets to be managed, related accounts, account composition, negotiations with client, etc.).

The Investment Advisory Agreement between RHIG and the client will continue in effect until terminated
by either party by written notice in accordance with the terms of the Investment Advisory Agreement. Upon
termination, RHIG shall refund the pro-rated portion of the advanced advisory fee paid based upon the
number of calendar days remaining in the billing quarter.

Neither RHIG, nor its representatives accept compensation from the sale of securities or other investment
products.

Additional Important Information

When we provide investment advice to you regarding your retirement plan account or individual retirement
account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act
and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts.

The way we make money creates some conflicts with your interests, so we operate under a special rule that
requires us to act in your best interest and not put our interest ahead of yours. For example, if you roll over
an IRA or 401k account to our firm or otherwise transfer any other account to our firm, we will charge your
account and make money. If you decide to not roll over the IRA or other account to our program, we will
not make money. While we therefore have a financial incentive to recommend that you to move your
account to our program, RHIG has established policies and procedures that are designed to address this
conflict between our interests and yours and to ensure that all recommendations made to you are in your
best interest.

Billing on Cash Positions
The firm treats cash and cash equivalents as an asset class. Accordingly, unless otherwise agreed
in writing, all cash and cash equivalent positions (e.g., money market funds, etc.) are included as
part of assets under management for purposes of calculating the firm’s advisory fee. At any specific
point in time, depending upon perceived or anticipated market conditions/events (there being no
guarantee that such anticipated market conditions/events will occur), the firm may maintain cash
and/or cash equivalent positions for defensive, liquidity, or other purposes. While assets are
maintained in cash or cash equivalents, such amounts could miss market advances and, depending
upon current yields, at any point in time, the firm’s advisory fee could exceed the interest paid by
the client’s cash or cash equivalent positions.

Periods of Portfolio Inactivity
The firm has a fiduciary duty to provide services consistent with the client’s best interest. As part
of its investment advisory services, the firm will review client portfolios on an ongoing basis to
determine if any changes are necessary based upon various factors, including but not limited to
investment performance, fund manager tenure, financial impact to the client of taxable gains,
account additions/withdrawals, the client’s financial circumstances, and changes in the client’s
investment objectives. Based upon these and other factors, there may be extended periods of time
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Item 7           Types of Clients
RHIG’s clients shall generally include individuals and business entities. RHIG generally requires a
minimum asset level of $750,000.00 for investment advisory services. RHIG, in its sole discretion, may
reduce its investment management fee and/or reduce or waive its minimum asset requirement based upon
certain criteria (i.e. anticipated future earning capacity, anticipated future additional assets, dollar amount
of assets to be managed, related accounts, account composition, negotiations with client, etc.).