SHFP LLC

Item 5           Fees and Compensation

   A.
                                     INVESTMENT MANAGEMENT SERVICES
         The Firm may be engaged to provide non-discretionary investment advisory services on a fee-only
         basis. SHFP’s annual investment advisory fee shall be based upon a percentage (%) of the market
         value and type of assets placed under the Firm’s management (between negotiable and 1.00%) as
         follows:

                        Assets Under Management                            Annual Percentage

                               First $500,000                                      1.00%

                Next $500,000 (from 500,001 to 1,000,000)                          0.75%

             Next $2,000,000 (from 1,000,001 to $3,000,000)                        0.50%

                             Above $3,000,000                                      0.33%

         SHFP's annual investment advisory fee shall include investment advisory services, and, to the
         extent specifically requested by the client, financial planning and consulting services. In the event
         that the client requires extraordinary planning and/or consultation services (to be determined in the
         sole discretion of SHFP), the Firm may determine to charge for such additional services, the dollar
         amount of which shall be set forth in a separate written notice to the client. The fees for certain

    asset types, i.e. current employer 401(k), may be reduced at the discretion of the planner. All fees
    are negotiable.
    The annual fee for investment management services provided are based upon a percentage (%) of
    the market value of the Assets under management in accordance with the fee schedule in the
    Agreement signed by the Client. SHFP considers cash to be an asset class and part of Assets under
    management and subject to the same fee calculation as the Client’s non-cash investments. Fees for
    current employer company retirement plans are charged at 50%, but only if it reduces the total fee.
    All fees are negotiable.
               FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)
    SHFP may be engaged to provide financial planning and/or consulting services (including investment
    and non-investment related matters, including estate planning, insurance planning, etc.) on a stand-
    alone fee basis. SHFP’s planning and consulting fees are negotiable, but generally will be between
    $1,500 and $4,000 on a fixed fee basis, depending upon the level and scope of the service(s) required
    and the professional(s) rendering the service(s). SHFP may also be engaged to provide financial
    planning and/or consulting services on an hourly rate basis of $150 per hour.

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

C. As discussed below, unless the client directs otherwise or an individual client’s circumstances
   require, SHFP shall generally recommend that Fidelity Institutional Investments (“Fidelity
   Institutional”) serve as the broker-dealer/custodian for client investment management assets.
   Broker-dealers such as Fidelity Institutional 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 individual equity and fixed income securities
   transactions). In addition to SHFP’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).

D. SHFP's annual investment advisory fee shall be prorated and paid quarterly, in arrears, based upon
   the market value of the assets on the last business day of the previous quarter. SHFP generally
   requires a minimum asset level of $700,000 for investment management services but this minimum
   may be adjusted periodically based on workload and availability. The Firm, in its sole discretion,
   may charge a lesser investment management fee and/or waive or reduce 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.).
    The Investment Advisory Agreement between SHFP 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, SHFP shall be entitled to receive any earned but not yet collected
    portion of its investment advisory fees.

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

Item 7           Types of Clients
         SHFP’s clients shall generally include individuals, high net worth individuals, and business entities.
         The Firm generally requires a minimum asset level of $750,000 for investment management
         services. SHFP, in its sole discretion, may charge a lesser investment management fee and/or waive
         or reduce 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.).