Custodian’s Fees

Charles Schwab & Co., Inc. charges clients transaction fees according to the following schedule,
incorporating significant discounts negotiated by Family Financial Architects, Inc. on behalf of our clients:

OPEN-END MUTUAL FUNDS, EXCEPT SCHWAB ONE-SOURCE* FUNDS:

• $25.00 on any transaction up to $4,464.29
• 0.56% on amounts above $4,464.29, up to a maximum total transaction fee of $40
• Capped at a maximum transaction fee of $40 for all transactions above $7,142.86
• A flat $25 when a mutual fund is purchased directly with the proceeds from the sale of another fund

FUND FAMILIES PARTICIPATING IN SCHWAB’S ONE-SOURCE* PROGRAM: $0

* These mutual fund families pay Schwab an annual fee of up to 0.4% of assets invested in them. This fee implicitly reduces the value of the client’s investment by that same amount.

EXCHANGE-TRADED MUTUAL FUNDS AND INDIVIDUAL EQUITIES:

• HOUSEHOLDS WITH UNDER $50,000 CUSTODIED AT SCHWAB:
  • $19.95 on the first 1,000 shares
  • $.015/share for amounts over 1,000 shares
• HOUSEHOLDS WITH BETWEEN $50,000 AND $1,000,000 CUSTODIED AT SCHWAB
  WHO AGREE TO ACCEPT ELECTRONIC DELIVERY OF STATEMENTS AND NOTICES:
  • $12.95 on the first 1,000 shares
  • $.015/share for amounts over 1,000 shares
• HOUSEHOLDS WITH OVER $1,000,000 CUSTODIED AT SCHWAB:
  • $8.95 on any number of shares

CORPORATE BONDS:

• $2.00 per $1000 face amount bond, subject to a $20 minimum

TREASURY BILLS, NOTES, AND BONDS:

• $25 per trade

During calendar 2006, the total of these fees was 0.10% of the average balance in our clients’ accounts.
During calendar 2007, the total of these fees was 0.12% of the average balance in our clients’ accounts.
During calendar 2008, these fees are expected to decline as a percentage of our clients’ assets.