RHS Financial LLC

Item 5:
                                              Item 5: Fees
                                                      Fees &
                                                           & Compensation
                                                             Compensation

    Fees for
    Fees for our
             our asset
                 asset management
                       management program    stated in
                                     program stated in Item
                                                       Item 4:4: “Advisory  Services,” are
                                                                  "Advisory Services," are computed
                                                                                           computed at
                                                                                                    at an
                                                                                                       an
    annualized percentage
    annualized            of assets
               percentage of assets under
                                    under management  on aa sliding
                                          management on     sliding scale.
                                                                    scale.

                              Assets Under
                              Assets Under Management
                                           Management            Annual Advisory
                                                                 Annual Advisory Fee
                                                                                 Fee
                                       $0- $500,000
                                       $0- $500,000                          1.00%
                                                                             1.00%
                                   $500,000 -- $1,000,000
                                   $500,000    $1,000,000                    0.95%
                                                                             0.95%
                                  $1,000,000 -- $2,500,000
                                  $1,000,000    $2,500,000                   0.90%
                                                                             0.90%
                                  $2,500,000 -- $5,000,000
                                  $2,500,000    $5,000,000                   0.80%
                                                                             0.80%
                                      Over $5,000,000
                                      Over $5,000,000                        0.70%
                                                                             0.70%

    Financial planning
    Financial            and consultation
               planning and  consultation services
                                            services are
                                                     are available
                                                         available to
                                                                   to clients
                                                                      clients receiving
                                                                              receiving Advisory   Services at
                                                                                         Advisory Services  at no
                                                                                                                no
    additional cost.
    additional  cost. Financial
                      Financial planning and consultation
                                planning and   consultation services  are not
                                                            services are       available to
                                                                          not available  to clients
                                                                                            clients not
                                                                                                    not receiving
                                                                                                         receiving
    Advisory Services
    Advisory  Services from
                       from RHS
                            RHS Financial.
                                 Financial.

    Our firm's
    Our  firm’s fees
                fees are
                      are billed   on aa pro-rata
                           billed on     pro-rata annualized
                                                   annualized basis  quarterly in
                                                               basis quarterly  in advance
                                                                                   advance based
                                                                                            based onon the
                                                                                                       the last
                                                                                                             last day
                                                                                                                  day of the
                                                                                                                      of the
    previous  month. You
    previous month.           will be
                        You will    be billed on the
                                       billed on  the aggregate
                                                      aggregate value
                                                                  value of
                                                                        of the
                                                                           the accounts
...

Item 7: Types of Clients & Account Requirements
    RHS Financial
    RHS  Financial provides  advisory services
                    provides advisory  services to
                                                to individuals,
                                                   individuals, charitable
                                                                charitable organizations,
                                                                           organizations, other
                                                                                          other ERISA
                                                                                                ERISA accounts,
                                                                                                      accounts,
    trusts, estates, and business entities.
    trusts, estates, and business entities.

    Generally, the
    Generally, the minimum     account size
                   minimum account      size is  $500,000, subject
                                              is $500,000,  subject to
                                                                     to aa minimum    annual fee
                                                                           minimum annual     fee of
                                                                                                  of at
                                                                                                      at least
                                                                                                         least $2,500
                                                                                                                $2,500
    annually. The
    annually.      minimum fee
              The minimum     fee would
                                   would increase   the maximum
                                          increase the  maximum percentage
                                                                     percentage rate   paid on
                                                                                  rate paid  on smaller   accounts to
                                                                                                smaller accounts    to
    more than
    more  than 1%
                1% annualized
                    annualized asas shown
                                    shown onon the
                                                the standard
                                                    standard fee
                                                               fee schedule.   However, in
                                                                    schedule. However,    in no
                                                                                             no case
                                                                                                 case would
                                                                                                       would the
                                                                                                               the fee
                                                                                                                   fee
    exceed 2%
    exceed  2% per
                per year.
                    year. Multiple
                           Multiple accounts
                                     accounts from
                                                from the
                                                     the same
                                                          same client
                                                                 client may
                                                                        may be   aggregated into
                                                                              be aggregated   into aa “household”
                                                                                                      "household" toto
    meet the
    meet  the account
              account minimum      stated above.
                        minimum stated             Our firm
                                           above. Our   firm can
                                                              can waive
                                                                   waive oror discount
                                                                              discount minimum
                                                                                       minimum feesfees and
                                                                                                         and account
                                                                                                              account
    requirements at
    requirements  at its sole discretion.
                     its sole discretion.