Stewardship Capital Ltd

ITEM 5 Fees and Compensation
Investment Supervisory Services.
SC enters an investment management agreement with all clients, based on the following
fee schedule.

Value of Account                 Annual Percentage Fee
$0 to $49,999                        1.75%
$50,000 to $249,999                  1.50%
$250,000 to $499,999                 1.25%
$500,000 to $999,999                 1.00%
1,000,000 to 1,499,999               0.95%
$1,500,000 to $1,999,999             0.90%
$2,000,000 and over                  0.80%

The fee is calculated according to the total account value and not on a graduated basis.
In determining the appropriate percentage fees, assets of affiliated accounts may be
aggregated. For its complete investment supervisory services, SC requires a minimum
asset value of $50,000. Minimum account requirements may be waived. No minimum
account value or asset value is required for financial planning services or investment
advice rendered at specific times.

Fees for investment advisory services are payable monthly or quarterly in arrears
according to the agreement with the client. When a client terminates the investment
management agreement, charges for any final period less than a calendar month or
quarter will be assessed on a pro rata basis. In limited circumstances, fees and methods
of payment are negotiable. SC may provide complimentary services to its employees
and/or their related family members.

SC calculates its management fee against all assets in an account, including cash
balances invested in money market funds and short-term investment funds. In addition,
custodians for money market funds and short-term investment funds may charge a fee
based on cash invested.

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Capital Maximizer. SC enters an investment management agreement with the client.
That agreement states that the fee shall be payable on a quarterly basis in arrears at a
rate of fifteen one hundredths of a percent (.15%), which is sixty one hundredths of a
percent (.60%) annually, of the entire account balance under Stewardship Capital’s
authority.

Financial Planning Services.
The fee usually ranges between $250 to $5,000, depending on the complexity of the
client’s financial situation and the client’s requirements. The fee is determined when SC
enters into the financial planning agreement with the client and is payable at the time of
presentation of the financial plan. For this fee, SC gathers the necessary information from
the client and then prepares, presents and explains to the client the financial plan SC
develops.

No minimum account value or asset value is required for financial planning services or
investment advice rendered at specific times.

Payment of Fees and Brokerage Costs
Clients’ assets are held with a qualified custodian that maintains those funds and
securities in a separate account for each client under that client's name. The fee for
portfolio management services is billed monthly or quarterly in arrears based on the
market value of the assets on the last day of the month or quarter. SC will either invoice
the client directly for the advisory fees or the qualified custodian holding the clients'
funds and securities will debit the client account directly for the advisory fees. The client
may choose which method, although SC prefers to directly debit the fee from the account.
Where the client account is debited directly for the advisory fee, the client will provide
written authorization permitting the fees to be paid directly from their account held by the
qualified custodian. SC will not have access to client funds for payment of fees without
client consent that was provided to the custodian in writing. Further, the qualified
custodian agrees to deliver a quarterly account statement directly to the client. The client
is encouraged to review their account statements for accuracy. SC will receive a
duplicate copy of the statement that was delivered to the client.

As fees are payable in arrears, typically, there will be no reason for SC to provide a
refund. The client, however, will be responsible for any outstanding balance due to SC
for services rendered.

Advice offered by SC may involve investment in mutual funds. Clients are hereby
advised that all fees paid to SC for investment advisory services are separate and distinct
from the fees and expenses charged by mutual funds (described in each fund's
prospectus) to their shareholders. These fees will generally include a management fee and
other fund expenses. Further, there may be transaction charges involved with purchasing
or selling of securities. SC does not share in any portion of the brokerage fees/transaction
charges imposed by the custodian holding the client funds or securities. (See Brokerage
Practices Page 10) The client should review all fees charged by mutual funds, SC, and
others, so that the total amount of fees to be paid by the client are fully understood.
Clients have the option to purchase investment products that SC recommends through
other brokers or agents that are not affiliated with SC.
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SC is licensed as an insurance agency. Through SC, Mr. Finke and Mr. Pickert act as a
broker and may sell insurance products to clients upon request as appropriate. Because
the sale of insurance products is integrally related to financial planning and rendering of
investment advice to clients, it is impractical to estimate the time separately spent
regarding insurance products other than it is unsubstantial.

Clients are under no obligation to acquire insurance products recommended by SC or to
acquire insurance products through SC. Clients may decline to acquire any insurance
products or acquire insurance products through any person they desire.

In the event of trading errors caused by SC, it is SC’s policy to make its clients whole and
to document errors in its trade error file. Any SC created trade errors that result in a loss
...

ITEM 7 Types of Clients
SC manages individuals, retirement and profit sharing plans, corporations, trusts, and
estates. For its complete investment supervisory services, SC requires a minimum asset
value of $50,000. Minimum account requirements may be waived. No minimum
account value or asset value is required for financial planning services or investment
advice rendered at specific times.