TTG Financial Inc

FEES AND COMPENSATION

DESCRIPTION

         The annual Asset Management Agreement fee is based on a percentage of the investable assets. Our
         fees range between 0% and 2% annually.

                                              TTG Financial

          Fee arrangements may vary depending on a variety of factors including the scope of work. For
          instance, cash management only and 401(k) accounts with TPA services may operate under different
          fee arrangements.

          TTG reserves the right to change the fee schedule at any time after written notice has been provided
          to our clients.

          TTG bases its fees on a percentage of assets under management, hourly charges and fixed fees. Your
          specific fee will be discussed with your IAR and written into your contract for services with TTG.

          Financial and Business plans are priced according to the degree of complexity associated with the
          client’s situation.

          We generally group all household related client accounts together for the purpose of determining
          fees for those related accounts. We may also group certain family accounts for billing purposes at
          your request and at our discretion.

          The specific annual fee schedule for a client is contained in the Investment Advisory Agreement
          between TTG and each client. There is no minimum account size or minimum fee.

          TTG determines fees on a client-by-client basis, therefore fees can and will vary among clients, even if
          they are under the same risk profile. The factors involved in such variability include but are not
          limited to: the size of the client’s relationship, the level of servicing required by the client, the client’s
          anticipated levels of transaction activity, and TTG’s practice with respect to discounts. TTG does
          discount or waive fees in certain situations at our sole discretion. Alternative payment arrangements
          may be negotiated dependent on these same factors. TTG reserves the right to waive any minimum
          annual fees under certain circumstances.

FEE BILLING

          Investment management fees are billed quarterly, in arrears, meaning that we invoice you after the
          three-month billing period has ended. Fees are calculated based on the value of your assets under
          management at the end of each quarter including any cash balance. New accounts are pro-rated for
          the number of days they are managed during their first quarter under TTG’s management. Payment
          in full is expected upon invoice presentation. 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 for billing purposes.

          Hourly fees are billed in arrears. Occasionally at our discretion we may require a retainer before
          beginning work on a case or project.

          TTG reserves the right to change the fee schedule at any time after written notice has been provided
          to our clients.

                                                 TTG Financial

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.

EXPENSE RATIOS

         Mutual funds and Exchange Traded 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% per year for their services. These
         fees are in addition to the fees paid by you to TTG.

         Mutual funds often offer different share classes. TTG will generally select the least expensive share
         class. In many cases the least expensive share class also includes a ticket charge or transaction fee. In
         these cases, TTG will make an effort to choose the best share class for the client when taking both the
         fees and the expense charge into account.

         Performance figures quoted by mutual fund companies in various publications are after their fees
         have been deducted.

PAST DUE ACCOUNTS AND TERMINATION OF AGREEMENT

         TTG reserves the right to stop work on any account that is more than 30 days overdue. In addition,
         TTG 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 TTG’s judgment, to providing proper financial advice. Any unused portion of fees
         collected in advance will be refunded as soon as practicable. TTG does not typically charge fees in
         advance.

TYPES OF CLIENTS

DESCRIPTION

         TTG generally provides investment advice to individuals, banks or thrift institutions, investment
         companies, pension and profit sharing plans, trusts, estates, or charitable organizations and
         corporations or business entities.

         Client relationships vary in scope and length of service.

IRA ROLLOVERS

         TTG accepts rollovers from qualified plans and from other advisors. TTG provides our clients with a
         disclosure checklist and narrative in an effort to help our clients reach an informed decision in regard
         to their retirement rollover. Clients are encouraged to review the checklist and narrative thoroughly
         before making the decision to roll their retirement account under TTG’s management.

ACCOUNT MINIMUMS

         The minimum account size is $500,000 of assets under management, which equates to an annual fee
         of $6250.

         TTG has the discretion to waive the account minimum. Accounts of less than $500,000 may be set up
         when the client and the advisor anticipate the client will add additional funds to the accounts
         bringing the total to $500,000 within a reasonable time. TTG may make other exceptions at its sole
         discretion.

         TTG does not have a minimum fee.

METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS