The Monitor Group Inc

Fees and Compensation (Item 5)
Description

 Fees for all services are priced according to the range of work and degree of
 complexity associated with the client’s situation. Fees for each of our three forms
 of Agreement, Limited Scope Financial Planning, Comprehensive Planning and
 Investment Management, are explained in detail below.
 Fees are negotiable.

Fee Billing

 The fee for Investment Advisory Services only is based on a percentage of assets
 under management and ranges from ½ of 1% per year to 1 ¼% per year. The rate
 is negotiable and is specified in the Agreement. Fees are billed quarterly, in
 advance, at the beginning of each quarter, based on the value of the account on
 the last business day of the previous quarter. There is no minimum fee.
 Fees for Financial Planning and Investment Advisory Services are billed quarterly,
 in advance, meaning that we invoice our clients once the three-month billing period
 has begun. Fees range from $150 to $7,500 quarterly. Payment in full is due when
 billed. Fees are usually deducted from a designated client account, but can be
 paid by check upon invoice received by the client. The client must consent in
 advance to direct debiting of their investment account.
 The fee payment schedule for work under a Letter of Agreement is specified in the
 Agreement before the work begins.

Other Fees

 Custodians may charge transaction fees on purchases or sales of certain mutual
 funds and exchange-traded funds. These transaction charges are usually small
 and incidental to the purchase or sale of a security. Selection of the security is
 more important than the nominal fee that custodians charge to buy or sell the
 security.

                          The Monitor Group, Inc.   Page 4

Expense Ratios

 Mutual funds generally charge a management fee for their services as investment
 managers. The management fee is called an expense ratio.
 For example, an expense ratio of 0.75 means that the mutual fund company
 charges 0.75% (or ¾ of 1%) per year for their services. These fees are in addition
 to fees paid by the client to The Monitor Group, Inc.
 Performance figures quoted by mutual fund companies in various publications are
 after their fees have been deducted.

Past Due Accounts and Termination of Agreement

 The Monitor Group, Inc. reserves the right to cease working on any account that is
 more than sixty (60) days overdue. Our company also reserves the right to
 terminate any financial planning engagement where, in the judgment of the Monitor
 Group, Inc., a client has willfully concealed or has refused to provide pertinent
 information about financial situations when necessary and appropriate.
 A client may terminate a contract at any time by means of written notice to the
 Company delivered thirty (30) days in advance of the effective termination date.
 For termination in the first year, the initial year’s fee is earned in full when the
 Financial Plan or detailed Investment Strategy is presented.
 All Financial Plan fees are earned when paid and no fee shall be reimbursed upon
 termination of the agreement.
 After year one, Investment Advisory fees paid in advance will be refunded on a
 pro-rata basis as specified in the Agreement.

Performance-Based Fees and Side-By-Side Management

Types of Clients (Item 7)
 Description

   The Monitor Group, Inc. generally provides investment advice to individuals,
   families, trusts and estates.
   Client relationships vary in scope and length of service. There is no minimum
   account size to become a client of The Monitor Group, Inc.

Methods of Analysis, Investment Strategies and Risk of Loss