Scott W Hancock

Fees and Compensation

Fees are solely based upon the value of the assets under supervision. OCA
compensation comes only from the fee charged. OCA receives no compensation
from any other source.

The fee for services is 0.26% (26 basis points) of the market value of each client
account at the end of each calendar quarter (the last business day of March, June,
September and December) divided by four. Fees are charged in arrears – that is,
after services have been provided and not before.

Clients authorize OCA to deduct fees from their brokerage account. Fees to be
deducted are generally withdrawn within three days after the end of each quarter.

Clients will incur other costs. The custodian (typically an institutional brokerage firm)
may charge custody fees to a client – although the current broker Charles Schwab &
Company – does not charge custody fees at this time. When a client invests in a
mutual fund or ETF, that fund will charge internal fees. Such fees vary widely.
Clients may also pay commissions and other transaction costs to the broker.

Performance-Based Fees and Side-By-Side Management

OCA does not charge or receive performance-based fees.

OCA does not engage in side-by-side management practices. While clients may hold
the same or similar securities, there are no transactions arranged directly between
different client portfolios or entered in such a way that benefits one portfolio at the
expense of another.

Types of Clients

OCA provides services to individuals and their related families and other entities.
This may include pension and profit sharing plans as well as public or private
foundations and corporations or partnerships.

Investment Process and Risks

Investing, other than in insured certificates of deposit or short-term government
guaranteed debt, carries some risk of losing money. OCA’s investment process is a
simple one, and it is focused on seeking reasonable returns while attempting to
reduce the financial risks inherent in investing. OCA believes these goals are best
achieved through holding a mix of asset classes that intend to reduce the overall
price volatility of the portfolio. Reducing volatility may reduce total investment
returns.

Extensive research, beginning with the work of Brinson, Hood and Beebower in
1986 (Financial Analysts Journal, July/August 1986, “Determinants of Portfolio
Performance”), demonstrates the importance of the investment mix, or asset
allocation to investment performance. The researchers believe the level of returns an
investor receives is significantly influenced by the asset allocation. When working
with clients, OCA creates an asset mix intending to meet the client’s investment
goals and tolerance for losing money.

Can any active manager of an asset class consistently outperform the relevant
benchmark? William Sharpe, in his piece “The Arithmetic of Active Management”
(Financial Analysts Journal, January/February 1991) leaves little doubt as to the low
probability of success in pursuing active management over passive (index tracking)
management. Sharpe is not alone in his thinking.

Since 2001, Standard & Poor’s has accumulated the investment performance of all
reporting active managers of almost every asset class in a semi-annual comparison
report called SPIVA (S&P Indices Versus Active or SPIVA©). The SPIVA report
demonstrates the widespread inability of many if not most managers over three,

five, ten and twenty year periods to outperform their benchmarks. The SPIVA report
shows how the odds of repeatedly beating the relevant benchmark are low.

Index ETFs afford an investor an effective and cost efficient way to hold each
desired asset class. OCA builds portfolios that passively track the one or more of the
stock market segments as defined by Standard and Poors or the bond market
segments as defined by Bloomberg/Barclay.

The primary goal is to produce reasonable returns with somewhat reduced price
volatility. OCA recognizes there may be a cost for lower volatility; that is, reduced
volatility may lead to a lower total rate of return.

Clients have other than financial risks when hiring the firm. For example, OCA may
go out of business, or its principal could die or become unable to continue
operating the business. You should discuss impairment and other business
continuity risks with OCA before retaining the firm as your investment advisor.