FCG Investment Company

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

        Total Assets Under Management         Annual Fees
        $10,000 - AND UP                      0.90%

The advisory fee is calculated using the value of the assets in the Account on the last
business day of the prior billing period.

These fees are generally negotiable and the final fee schedule will be memorialized in the
client’s advisory agreement. Clients may terminate the agreement without penalty for a
full refund of FIC's fees within five business days of signing the Investment Advisory
Contract. Thereafter, clients may terminate the Investment Advisory Contract
immediately upon written notice.

Financial Planning Fees

Hourly Fees

The negotiated hourly fee for these services is between $100 and $250.

Clients may terminate the agreement without penalty, for full refund of FIC’s fees, within
five business days of signing the Financial Planning Agreement. Thereafter, clients may
terminate the Financial Planning Agreement generally upon written notice.

B. Payment of Fees

Payment of Portfolio Management Fees

Asset-based portfolio management fees will be invoiced and billed directly to the client,
payable by bank transfer, on a monthly basis. Fees are paid in advance.

Payment of Financial Planning Fees

Financial planning fees are paid via check.

Hourly financial planning fees are paid in arrears upon completion.

C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
distinct from the fees and expenses charged by FIC. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

D. Prepayment of Fees

FIC collects fees in advance. Refunds for fees paid in advance but not yet earned will be
refunded on a prorated basis and returned within fourteen days to the client via check.

For all asset-based fees paid in advance, the fee refunded will be equal to the balance of
the fees collected in advance minus the daily rate* times the number of days elapsed in
the billing period up to and including the day of termination. (*The daily rate is calculated
by dividing the annual asset-based fee rate by 365.)

E. Outside Compensation For the Sale of Securities to Clients

Lloyd Vernon Crawford III, Alston Boyd Wade, Michael David Thompson, and Dennis
Ray Plyler are licensed insurance agents. Lloyd Vernon Crawford III is also a registered
representative. In these roles, they accept compensation for the sale of investment
products to FIC clients.

1. This is a Conflict of Interest

   Supervised persons may accept compensation for the sale of investment products,
   including asset based sales charges or service fees from the sale of mutual funds to
   FIC's clients. This presents a conflict of interest and gives the supervised person an
   incentive to recommend products based on the compensation received rather than on
   the client’s needs. When recommending the sale of investment products for which the
   supervised persons receives compensation, FIC will document the conflict of interest
   in the client file and inform the client of the conflict of interest.

2. Clients Have the Option to Purchase Recommended Products From
Other Brokers

   Clients always have the option to purchase FIC recommended products through other
   brokers or agents that are not affiliated with FIC.

       3. Commissions are not FIC's primary source of compensation for
       advisory services

           Commissions are not FIC’s primary source of compensation for advisory services.

       4. Advisory Fees in Addition to Commissions or Markups

           Neither FIC nor any Affiliate receives any commissions or mark-ups on any
           recommended investment products.

Item 7: Types of Clients

FIC generally provides advisory services to the following types of clients:

       ❖       Individuals
       ❖       High-Net-Worth Individuals
       ❖       Pension and Profit Sharing Plans

There is an account minimum of $10,000, which may be waived by FIC in its discretion.