Washington Financial Group Inc

Item 5.   Fees and Compensation:

           On the subject of compensation for the Adviser, it is imperative that the client be advised of, and
           understand, the financial relationship between planner and client. There are four methods to
           compensate the Adviser. The first two methods involve (1) compensation based on an hourly fee
           and/or (2) compensation based on a flat fee. The services associated with (1) & (2) include, but are
           not limited to, providing asset allocation proposals and/or insurance proposals and/or a
           comprehensive financial plan analysis and/or a comprehensive estate plan analysis and/or
           investment advice and/or administrative services and/or consultation services involving time and
           resources spent by the Adviser. Flat fees typically range from $1,000 to $10,000 annually,
           depending on the scope of the service, with one-time financial plans often bearing a cost of $1,000
           to $3,000. Ongoing comprehensive services could cost $2,000 to $9,000+ per year, which includes
           but not limited to budgeting, investment or tax planning. Costs may vary greatly by complexity (i.e.
           basic budgeting vs. estate planning). Even with flat fees pricing, additional investment advisory fees
           for managing the portfolio’s assets can still apply. Hourly and/or flat fees are billed after services
           are rendered.

           In the event that the Adviser decides to waive his/her fee for any or part of the services mentioned
           above, the client will be advised of this in writing.

           The third method (3) involves compensation that is based on a percentage of assets under
           management payable to the Adviser for the management of the client portfolio(s) and/or assets,
           including but not limited to, securities-based insurance products. The Adviser bills in arrears. Please
           note that this third form of compensation also includes the case when the financial planner enters
           into solicitation agreements with other investment advisers who offer one or more services, such as
           money management, asset allocation, or market timing to the public.

           Under such agreements, compensation is provided to the Adviser in exchange for introducing
           his/her client(s) to those advisory firms. Compensation is usually a fixed percentage of fees charged
           by the non-affiliated entities to those client(s) who were introduced by the Adviser. The fees paid by
           the client(s) are based on assets under management. Under those arrangements, the financial planner
           is paid as a solicitor and/or an agent. Solicitor’s or Agent’s fees are usually a fixed portion of the fee
           charged by the introducing Investment Advisory firm(s) and /or, in some cases, by the Broker-
           Dealer firm.

           Based on the Adviser’s sole and absolute discretion, the client shall be informed in writing
           concerning the financial planner’s decision to waive and/or reduce any of the fees associated with
           the above-mentioned forms of compensation. The Adviser reserves the right to negotiate such fees.

           When fees are charged by the Financial Planner based on a percentage of assets under management,
           the account size typically must satisfy the two hundred and fifty thousand dollars ($250,000)
           minimum requirement. The financial planner does reserve the right to negotiate minimum account

Item 5.   size and annual fees if an account is below the required minimum. Typically, if the account does not
          meet the minimum investment amount of $250,000, the fees will be the highest of 1% (Standard
          Fee) annually, or a flat dollar amount as agreed upon between the Advisor and the client.
          The account may be invested in insurance products (variable & fixed income instruments), interest
          in real estate, securities (such as common stocks, bonds, limited partnership, no-load and loaded
          mutual funds) and/or other miscellaneous investments offered through Custodians or firms who will
          act as Custodian for the Adviser’s clients.

          For non-discretionary accounts, the Adviser will consult with the clients prior to effecting any
          transactions in their account(s).

          Transactions in the clients’ accounts, generally, will be affected independently, unless the Adviser
          decides to purchase or sell the same securities for several clients at approximately the same time.
          The Adviser may (but is not obligated to) combine or “batch” such orders to obtain the best
          execution, to negotiate more favorable commission rates or to allocate equitably among the financial
          planner’s clients the differences in prices and commissions or other transaction costs that might have
          been obtained had such orders been placed independently. Under this procedure, transactions will be
          averaged as to price and transaction cost and will be allocated among the Adviser’s clients in
          proportion to the purchase and sale orders placed for each client account on any given day. The
          annual asset management fee charged shall not exceed 2.00% plus the custodian account annual fees
          and/or not-in-house portfolio manager’s fees, when applicable. Following is the current “Standard
          Fee Schedule”:

                 1.00% of assets under management up to $1,000,000.
                 0.75% of assets under management from $1,000,000 up to $5,000,000.
                 0.50% of assets under management from $5,000,000 up to $10,000,000.
                 0.25% of assets under management in excess of $10,000,000.

          The client authorizes payment of the fees directly to the Adviser from the account upon presentation
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Item 7.   Types of Clients:

          The Adviser provides investment strategies and implementation of those strategies to a broad array
          of individual clients and Trust accounts.

          When fees are charged by the Financial Planner based on a percentage of assets-under-management,
          the account size must preferably satisfy a minimum requirement of two hundred and fifty thousand
          dollars ($250,000). The Adviser, however, does reserve the right to negotiate the minimum account
          size down to any level.