Vestura LLC

Item 5: Fees and Compensation

A. Fee Schedule

Investment Supervisory Services Fees

         Total Assets Under Management                  Annual Fee

                  $0 - $1,999,999                          1.50%

             $2,000,000 - $4,999,999                       1.20%

             $5,000,000 - $9,999,999                       0.90%

             $10,000,000 - $24,999,999                     0.80%

             $25,000,000 and Above                         0.70%

These fees are negotiable and the final fee schedule is attached as Exhibit II of the
Investment Advisory Contract. Fees are paid monthly in arrears, and clients may
terminate their contracts with thirty days’ written notice. Because fees are charged in
arrears, no refund policy is necessary. Clients may terminate their accounts without
penalty within 5 business days of signing the advisory contract. Advisory fees are
withdrawn directly from the client’s accounts with client written authorization.

B. Payment of Fees

Payment of Investment Supervisory Fees

Advisory fees are withdrawn directly from the client’s accounts with client written
authorization. Fees are paid monthly in arrears.

C. Clients Are Responsible For Third Party Fees

Clients are responsible for the payment of all third party fees (i.e. custodian fees, mutual
fund fees, transaction fees, etc.). Those fees are separate and distinct from the fees and
expenses charged by Vestura. Please see Item 12 of this brochure regarding
broker/custodian.

       D. Prepayment of Fees

       Vestura collects its fees in arrears. It does not collect fees in advance.

       E. Outside Compensation For the Sale of Securities to Clients

       Neither Vestura nor its supervised persons accept any compensation for the sale of
       securities or other investment products, including asset-based sales charges or services
       fees from the sale of mutual funds.

Item 7: Types of Clients

Vestura generally provides investment advice and/or management supervisory services to the
following Types of Clients:

            Individuals
            High-Net-Worth Individuals
            Pension and Profit Sharing Plans
            Corporations or Business Entities

Minimum Account Size

There is an account minimum, $5,000,000, which may be waived by the investment advisor,
based on the needs of the client and the complexity of the situation.