White & Company Financial Planning Inc

Item 5. Fees and Compensation
    Description
         Financial Planning
         Fees are billed on an hourly rate of $325 and the fee will ultimately be determined
         by how much time is spent developing the financial plan. The fee typically ranges
         from $500 to $7,500, depending on the nature and complexity of each client’s
         circumstances. The fee is normally due upon presentation of the plan.
         Investment Management
         The fee for investment management services will be charged as a percentage of
         assets under management, according to the schedule below.
                  Assets Under Management                    Annual Fee %
                    $0 - $1,000,000                                 1.00%
                    $1,000,001 - $5,000,000                         0.75%
                    $5,000,001 - $7,500,000                         0.50%
                    Over $7,500,001                                 0.25%
         For account values in excess of $100,000, clients will be invoiced quarterly in
         arrears based upon the value (market value or fair market value in absence of
         market value, plus any credit balance or minus any debit balance), of the client's
         account at the end of the previous quarter. For account values less than $100,000,
         clients will be invoiced annually in arrears.
         The fee charged is calculated as described above and is not charged on the basis of
         a share of capital gains upon or capital appreciation of the funds or any portion of
         the funds of an advisory client (SEC Rule 205(a)(1)).
         In certain circumstances, fees may be negotiable. WCFP waives investment
         advisory fees for certain immediate family members, employees, and employees'
         immediate family members or friends.
         Other Services
         For hourly services, the hourly rate is $325. The hourly fee is due upon presentation
         of the advice or completion of the service.

                           White & Company Financial Planning Inc

Fee Billing
     Financial Plans and Other Services
     Fees for financial plans or other services are billed and due upon delivery of the
     financial plan or rendering of services, as applicable.
     Investment Management
     Investment management fees are billed quarterly or annually in arrears, meaning
     that we invoice you after the three-month or twelve-month billing period has ended,
     as applicable. Fees can either be deducted from a designated client account or billed
     directly to clients. The client must consent in advance to direct debiting of their
     investment account. Payment in full is expected upon invoice presentation.

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.
     See Item 12 for more information.

Expense Ratios and Other Mutual Fund Fees
     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% for their services. These fees are in addition to the fees paid by you to
     WCFP. In addition, mutual funds and exchange traded funds also bear their own
     internal transaction and execution costs. Some mutual funds pay 12b-1 fees,
     distribution fees or shareholder service fees to broker dealers that offer such mutual
     funds to their clients.
     Some mutual funds companies also impose redemption fees. A redemption fee is
     another type of fee that some funds charge shareholders when shares are sold within
     a short period of time from the purchase of the mutual fund shares. Although the
     redemption fee is deducted from the sale proceeds just like a deferred sales load, it
     is not considered to be a sales load. It is not the general practice of WCFP to sell
     clients’ securities in a period that would generate a redemption fee, it should be
     anticipated that WCFP might do so if in its opinion the sale is in the client's best
     interest, is requested by the client, or the shares must be redeemed to pay fees from
     the account.
     A complete explanation of these expenses and charges is contained in the
     prospectus and "statement of additional information" for each mutual fund.

                       White & Company Financial Planning Inc

     Termination of Agreement
          Financial Planning
          Financial planning engagements terminate upon delivery of the financial plan to the
          client. A financial planning engagement is not an ongoing one. WCFP does not
          monitor assets, recommendations, or the implementation of a financial plan. If a
          financial planning engagement is terminated before the presentation of the plan,
          WCFP does not bill the client for the preparation of the plan.
          In addition, WCFP 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
          WCFP’s judgment, to providing proper financial advice.
          Investment Management
          Investment Management services may be terminated at any time, by either party,
          for any reason upon receipt of 30 days written notice. Upon termination of any
          account, any earned, unpaid fees will be due and payable. The client has the right to
...

Types of Clients
          WCFP generally provides investment advice to individuals, high net worth
          individuals, trusts, and estates. Client relationships vary in scope and length of
          service.

     Account Requirements
          WCFP does not impose an account minimum size. However, it is recommended
          that the clients have at least $40,000 in order to implement the recommended asset
          allocation.

                            White & Company Financial Planning Inc