Trisperity Advisors LLC

5. Fees and Compensation
   Description
      Trisperity Advisors bases its fees on a percentage of assets under
      management, hourly charges, and fixed fees (not including subscription fees).
       Some Retainer Agreements may be priced based on the complexity of work,
       especially when asset management is not the most significant part of the
       relationship. The annual fee for a Retainer Agreement is negotiable.
       Financial plans are priced according to the degree of complexity associated
       with the client’s situation.

                                  Trisperity Advisors

    Fees are negotiable.

Fee Billing for Asset Management
    Investment management fees are billed quarterly, in advance, meaning that
    we determine the fee on the last day before the next three-month billing
    period has begun. Payment in full is expected upon determination of the fee.
    Fees are usually deducted from a designated client account to facilitate
    billing. The client must consent in advance to direct debiting of their
    investment account.
    The typical quarterly Advisory Service Agreement maximum fee is based on a
    percentage of the investable assets according to the following schedule:
             0.2500% on the first $1,000,000;
             0.1875% on the next $2,000,000 (from 1,000,001 to 3,000,000); and
             0.1250% on the assets above $3,000,000.
    There is no minimum annual fee. Client relationships may exist where the
    fees are lower or higher than the fee schedule above.
    Client may make additions to or withdrawals from the investable assets at any
    time. Additions may be in cash or securities. If cash or securities are accepted
    for management during the quarter, a prorated asset-based fee using the
    value of asset additions will be charged from date of deposit to end of current
    quarter. Client may request periodic withdrawals and may withdraw investable
    assets. Conversely, a prorated asset-based fee using on the value of assets
    withdrawn will be credited back from date of withdrawal to end of current
    quarter.
    All accounts for a client household portfolio will be aggregated for the fee
    calculation for purposes of achieving a reduced percentage fee. As the
    household portfolio value reaches various thresholds, the assets above each
    threshold may be charged successively lower percentages, and the total
    asset-based fee applied to each account is a blended rate based on the total
    household portfolio value.

Fee Billing for Financial Planning
    The fee for a financial plan is predicated upon the facts known at the start of
    the engagement. The fee can range from $750 to address a single objective
    to $2,000 or more for many integrated objectives with the range of $850 to
    $950 more typical. The fee is negotiable. Since financial planning is a
    discovery process, situations occur wherein the client is unaware of certain
    financial exposures or predicaments.
    In the event that the client’s situation is substantially different than disclosed
    at the initial meeting, a revised fee will be provided for mutual agreement.
    The client must approve the change of scope in advance of the additional
    work being performed when a fee increase is necessary.

                                Trisperity Advisors

       After delivery of a financial plan, future face-to-face meetings may be
       scheduled as necessary for up to one month.
       The hourly rate for limited scope engagements and follow-on implementation
       is billed separately at the rate of $200 to $250 per hour.
       Fees for financial plans are typically billed 50% in advance, with the balance
       due upon delivery of the financial plan.

   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. The
       selection of the security is more important than the nominal fee that the
       custodian charges to buy or sell the security.
       Trisperity Advisors, in its sole discretion, may charge a lesser investment
       advisory fee based upon certain criteria (e.g., historical relationship, type of
       assets, anticipated future earning capacity, anticipated future additional
       assets, dollar amounts of assets to be managed, related accounts, account
       composition, negotiations with clients, etc.).

   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 0.50 means that the mutual fund company
      charges 0.5% for their services. These fees are in addition to the fees paid by
      you to Trisperity Advisors.
       Performance figures quoted by mutual fund companies in various publications
       are after their fees have been deducted.

   Past Due Accounts and Termination of Agreement
       Trisperity Advisors reserves the right to stop work on any account that is more
       than 30 days overdue. In addition, Trisperity Advisors reserves the right to
       terminate any financial planning engagement where a client has willfully
       concealed or has refused to provide pertinent information about financial
       situations when necessary and appropriate, in Trisperity Advisors judgment,
       to providing proper financial advice. Any unused portion of fees collected in
       advance will be refunded within 30 days.

7. Types of Clients
   Description
      Trisperity Advisors generally provides investment advice to individuals, banks
      or thrift institutions, investment companies, trusts, estates, or charitable
      organizations, or corporations or business entities.
       Client relationships vary in scope and length of service.

   Account Minimums
      There are currently no minimum account size requirements.