Yunistone Investment Group LLC

Item 5: Fees and Compensation
   Description
    Yunistone charges an annual fee based on percentage of the fair market value of
    assets under management as follows:
            Assets Under Management                                                 Annual Percentage %
            $0 - $1,000,000                                                        0.80%
            $1,000,001 - $3,000,000                                                0.70%
            $3,000,001 - $5,000,000                                                0.60%
            $5,000,001 - $10,000,000                                               0.50%
            $10,000,001 - $20,000,000                                              0.40%
            $20,000,001 - $30,000,000                                              0.30%
            $30,000,001 - $50,000,000                                              0.20%
            $50,000,001 - $100,000,000                                             0.10%
            $100,000,001 -                                                         Negotiable
    Under certain circumstances, we may enter into special negotiated fee
    arrangements with a particular client. We may also charge a minimum annual fee
    for small accounts.
    As a fee-only investment advisor, we do not sell or accept commissions for
    annuities, insurance, stocks, bonds, mutual funds, or any other commissioned
    products. The firm is not affiliated with any third parties to sell financial products
    or securities. We do not share or accept fees from any third parties.

   Fee Billing
    Fees for investment management and advisory services are payable quarterly, in
    advance based on the fair market value of the assets on the last business day of
    the previous quarter. Fees charged on assets under management are generally
    deducted automatically from a client’s investment accounts as authorized and
    designated by the client. Upon termination of the relationship, fees will be
    prorated to the termination date and unearned fees will be refunded to the client.

   Other Fees
    Custodians may charge transaction fees on purchases or sales of certain mutual
    funds and exchange-traded funds. These fees are in addition to the fees clients
    paid to Yunistone.

        125 South Wacker Drive, Suite 300, Chicago, Illinois 60606 • (312) 809-5038 • fax (312) 268-5268 • www.yunistone.com

   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% annually for their services. These fees are also
      in addition to the fees clients paid to Yunistone.
       Performance figures quoted by mutual fund companies in various publications
       are after their fees have been deducted.

   Past Due Accounts and Termination of Agreement
       Yunistone reserves the right to stop work on any account that is more than 60
       days overdue for our fees. Any unused portion of fees collected in advance
       will be refunded within 30 days.

Item 7: Types of Clients
   Description
       Yunistone offers investment advice to individuals, trusts, estates,
       endowments, foundations, corporations or business entities.

   Account Minimums
      There is no minimum amount of assets under management required for
      investment clients, however we may charge a minimum fee for small
      accounts.
       Clients with asset levels that result in the minimum fee may pay a higher
       percentage rate than the fees paid by clients with more assets under
       management based on our standard asset-based fee schedule.