Cetera Investment Advisers LLC

FEES AND COMPENSATION

The Firm, Your Advisor, and/or Our affiliates are compensated in several ways. We want to ensure that You understand how We are
compensated, as well as the other costs associated with Your account. Here are a few important facts about the fees and costs associated.

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We will typically earn compensation for managing accounts by charging an advisory fee. Generally, this means that on a quarterly basis,
We will charge You a fee that is calculated as a percentage of the market value of the assets held within Your advisory account, unless
otherwise stated in Your advisory agreement. Our advisory fees are generally assessed in advance and are automatically deducted from
Your advisory account, unless stated otherwise.

If You terminate Your account prior to the end of a quarter, We will refund any advisory fees owed to You on a prorated basis. The
prorated fee is based on the number of days remaining in the quarter. Similarly, if management of Your account begins on a day, other
than the first day of the calendar quarter, Your advisory fees will be prorated.

Example

The asset based fees are generally charged as a “blended-rate” unless otherwise stated. This means You pay a lower fee on assets added
at higher tiers, but the reduced fee does not apply to assets in lower tiers. For example, if the Firm charges a fee of 2.00% on the first
$250,000 of assets managed, and a fee of 1.75% on assets from $250,000 to $500,000, the calculation is as follows.

Example: Asset value $400,000

$250,000 x 2.00% = $5000
$150,000 x 1.75% = $2625
Total fee = $7,625 annually

Billing in Advance

Initial Billing
If Your account opens on August 1, Your initial billing will be for the period of 8/1 – 9/30, and based on the asset value as of 8/1. Using
the example above, the initial billing will be for $1,274.32 (or $7,625 x (61/365)), and this initial billing will occur in September.

Pro-rated Termination Billing
If Your account terminates on August 1, You will have already paid $1921.92 (or $7,625 x (92/365) for the 3rd quarter, based on the asset
value as of July 1. You will then receive a credit for $1,274,32 ($7,624 x (61/365)), approximately 30 days after termination.

Billing in Arrears

Initial Billing
If Your account opens on August 1, Your initial billing will be for the period of 8/1 – 9/30, based on the asset value as of September 30.
Using the example above, the initial billing will be for $1,274.32 (or $7,625 x (61/365)), and this initial billing will occur in October.

Termination Billing
If Your account terminates on August 1, You will be charged $668.49 (or $7,625 x (32/365) for the period of 7/1 – 8/1 as soon as We are
notified of Your termination.

Note: these numbers are to show how the calculations work. Your account value will change over time potentially resulting in Your
account being charged a different amount each period

Negotiable Fees
While We have maximum fees by program, You and Your Advisor can negotiate a lower fee. Because Our fees are negotiated between
You and Your Advisor, individual clients can pay different fees for receiving the same or similar advisory services.

Fee Schedules Can Change
In general, We can change Our standard fee schedules at any time by providing You notice.

Additions and Withdrawals
You can make additions to or withdrawals from an account in any of the programs at any time, subject to the Firm’s right to terminate
the management of Your account if it falls below the minimum account value as determined by the Firm or as otherwise provided in
Your advisory agreement. Additions can be in cash or securities, provided that the Firm reserves the right to decline to accept particular
securities into the account or to impose a waiting period before certain securities can be deposited.

If cash or securities are accepted for management in Your account, and Your account is billed in advance, a prorated advisory fee based
on the value of the assets will be charged upon deposit. Similarly, You can withdraw account assets subject to the usual and customary
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settlement and custodial procedures. You will receive prorated advisory fee credits based on the value of the withdrawal and the remaining
days in the billing cycle. Your account is responsible for any charges, including contingent deferred sales charges, surrender charges,
or redemption fees, that apply to redemptions or liquidations of securities held in the account. No advisory fee adjustment will be made
during any billing cycle for appreciation or depreciation in account asset value during that period, nor shall any adjustment or refund be
made with respect to partial additions or withdrawals, which when aggregated, total less than $10,000 per day.

Consolidated Billing
If You have multiple accounts, You can consolidate account assets for fee billing purposes and performance reporting, while receiving a
reduced advisory fee based on a fee schedule of total assets. This fee schedule could have a mix, or “blend,” of advisory fees that consist
of lower calculated percentage rates for progressively higher investment amounts that exceed each threshold.

Accounts can be consolidated/househeld for billing if a Client has multiple accounts for the same program with the same fee schedule.
Additionally, the My Advice Architect programs can be househeld across programs. The default billing method is to debit advisory fees
...

ITEM 7 – TYPES OF CLIENTS
The Firm generally provides advisory services for but not limited to individuals, tax-qualified retirement plans, and other institutions.

Our advisory programs require a minimum opening deposit. Depending on the specific program, the opening deposit varies. The
minimum account opening balance required for each program varies and is listed in more detail in Item 4 of this brochure. Minimums
can be waived at the Firm’s sole discretion.