City Center Advisors LLC

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
ASSET MANAGEMENT
City Center Advisors charges an annual investment advisory fee based on the total assets under
management with a maximum annual fee of 2% of the assets managed. The annual fee may be
negotiable based upon certain criteria (e.g., historical relationship, type of assets, anticipated
future earning capacity, anticipated future additional assets, dollar amounts of assets to be
managed, related accounts, account composition, negotiations with Clients, etc.).

                                       City Center Advisors, LLC

Fees are billed monthly in arrears based on the average daily balance of the previous month. For
accounts opened or closed mid-billing period, fees will be prorated based on the day’s services
are provided during the given period. If margin or covered calls are utilized, the fees will be
billed based on the gross asset value of the account. Clients may terminate their account within
seven (7) business days of signing the Investment Advisory Agreement with no obligation and
without penalty. Clients may terminate advisory services with thirty (30) days written notice.
Client shall be given thirty (30) days prior written notice of any increase in fees. Any increase in
fees will be acknowledged in writing by both parties before any increase in said fees occurs.
Legacy clients will continue to be billed quarterly in advance.
If Sub-Advisors are hired, there is no additional fee to the Client. When utilizing the unified
managed account program through Overlay Portfolio Management, the total annual fee will not
exceed 2% of the assets under management. Sub-advisor fees will generally range 0.10% -
0.90%.
ERISA PLAN SERVICES
The annual fees are based on the market value of the Included Assets and will not exceed 2%.
The annual fee is negotiable and may be charged as a percentage of the Included Assets or as a
flat fee. Fees may be charged quarterly or monthly in arrears or in advance based on the assets as
calculated by the custodian or record keeper of the Included Assets (without adjustments for
anticipated withdrawals by Plan participants or other anticipated or scheduled transfers or
distribution of assets). If the services to be provided start any time other than the first day of a
quarter or month, the fee will be prorated based on the number of days remaining in the quarter
or month. If this Agreement is terminated prior to the end of the billing cycle, City Center
Advisors shall be entitled to a prorated fee based on the number of days during the fee period
services were provided or Client will be due a prorated refund of fees for days services were not
provided in the billing cycle.
The fee schedule, which includes compensation of City Center Advisors for the services is
described in detail in Schedule A of the ERISA Plan Agreement. The Plan is obligated to pay the
fees; however, the Plan Sponsor may elect to pay the fees. Client may elect to be billed directly or
have fees deducted from Plan Assets. City Center Advisors does not reasonably expect to receive
any additional compensation, directly or indirectly, for its services under this Agreement. If
additional compensation is received, City Center Advisors will disclose this compensation, the
services rendered, and the payer of compensation. City Center Advisors will offset the
compensation against the fees agreed upon under the Agreement.
SEMINARS
City Center Advisors does not charge fees for seminars.
FINANCIAL PLANNING
Fees are non-negotiable and are billed 50% in advance with the balance due upon delivery of the
plan. Services are completed and delivered inside of ninety (90) days contingent upon timely
delivery of all required documentation. Client may cancel within seven (7) business days of
signing Agreement with no obligation and without penalty. If the Client cancels after seven (7)
business days, any unearned fees will be refunded to the Client, or any unpaid earned fees will be
due to City Center Advisors. City Center Advisors reserves the right to waive the fee should the
Client implement the plan through City Center Advisors.
   HOURLY FEES
   Limited scope planning services are also available for a fee of $500 per hour.

                                       City Center Advisors, LLC

For Clients located in Pennsylvania: If a client does not receive a copy of this brochure at least 48
hours prior to signing an agreement, the client has five business days in which to cancel the
agreement, without penalty.
Client Payment of Fees
Fees for asset management services are deducted from a designated Client account to facilitate
billing. The Client must consent in advance to direct debiting of their investment account.
Fees for ERISA services are either deducted from the Plan assets or paid direct to City Center
Advisors. The Client must consent in advance to direct debiting of Plan assets.
Fees for Financial Plans are paid direct to City Center Advisors.
Additional Client Fees Charged
Custodians may charge transaction fees on purchases or sales of certain mutual funds, equities
and exchange-traded funds. These charges may include Mutual Fund transactions fees, postage
and handling and miscellaneous fees. 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.
Prepayment of Client Fees
City Center Advisors does not require any prepayment of fees of more than $1200 per Client and
six months or more in advance.
External Compensation for the Sale of Securities to Clients
Investment Advisor Representatives of City Center Advisors have financial industry affiliated
businesses as licensed insurance agents. More than 50% of their time is spent in their insurance
practices. From time to time, they will offer clients advice or products from this activity. The
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Item 7: Types of Clients
Description
City Center Advisors generally provides investment advice to individuals, high net worth
individuals and businesses.
Account Minimums
City Center Advisors generally requires a minimum of $25,000 to open an account, but reserves
the right to waive this at their sole discretion.