Fund Advisors of America Inc

FEES & COMPENSATION

     Portfolio Management

     Portfolio management is provided on an asset-based fee arrangement. Our management fee is
     calculated based on the aggregate market value of your account on the last business day of the
     previous calendar quarter multiplied by one-fourth of the corresponding annual percentage
     rate (i.e., 2.25% ÷ 4 = 0.5625%).

     We retain discretion to negotiate the management fee under 2.25% on a client-to-client basis.
     Generally, fee breaks will occur as assets in your portfolio increase past the following tiers:

     4   The Confidential Financial Profile questionnaire we use is an important tool in gathering information about your investment methodology, risk tolerance,
         income/tax bracket, liquidity, time horizons, etc. If you elect not to answer the questionnaire or choose to respond with limited input, it is possible that
         we could operate in a handicapped capacity contrary to your investment needs. Therefore, if you desire the most effective and accurate recommendations
         regarding your managed account(s), you should make every effort to provide us with your detailed personal needs and objectives, along with detailed
         financial and tax information.

Form ADV: Part 2A                                                                                                                           Fund Advisors of America, Inc.
© eAdvisor Compliance, Inc. – Disclosure Brochure Design Layout. www.eAdvisorCompliance.com

                                                                                                            DISCLOSURE BROCHURE

                                                                                                 Annual Fee
                            Account Value                                                           Rate
                                                                                                  Not to Exceed

                            Up to $100,000..................................................       2.25%
                            From $100,001 to $250,000 ...................................          2.00%
                            From $250,001 to $500,000 ...................................          1.75%
                            From $500,001 to $1,000,000 ................................           1.50%
                            $1,000,001 and up..............................................      Negotiable

     We generally require a minimum initial investment of $100,000 to open a managed account;
     however, we retain the right to waived or reduced this minimum if we feel circumstances are
     warranted.

     Protocols for Portfolio Management

     The following protocols establish how we handle our portfolio management accounts and what
     you should expect when it comes to: (i) managing your account; (ii) deposits and withdrawals
     in/from your account(s); (iii) your bill for investment services; (iv) other fees charged to your
     account(s); and, (iv) termination.

         Discretion

         We will establish discretionary trading authority on your management accounts to execute
         securities transactions at any time without your prior consent or advice. However, you may
         impose restrictions, in writing, on our discretionary authority (i.e., limit the types/amounts
         of particular securities purchased for your account, exclude the ability to purchase securities
         with an inverse relationship to the market, limit our use of leverage, etc.)

         Billing

         Your account will be billed quarterly in advance based on the above fee arrangements. For
         new managed accounts opened mid-quarter, our fee will be based upon a pro-rata
         calculation of the fair market value of your assets to be managed for the period.

         Advisory fees will be deducted first from any money market funds or cash balances. If such
         assets are insufficient to satisfy payment of such fees, a portion of the account assets will be
         liquidated to cover the fees. Such liquidation may affect the relative balances of the
         account.

         Deposits and Withdrawals

         Assets deposited by you into your management account between billing cycles will not result
         in additional management fees being billed to you.

         For assets you may withdrawal during the quarter, we do not make partial refunds of your
         quarterly portfolio management fee. Any withdrawal of assets from your portfolio may
         require modifications and adjustments to be made in the account to correct your allocation
         of assets.

Form ADV: Part 2A                                                                                                 Fund Advisors of America, Inc.
© eAdvisor Compliance, Inc. – Disclosure Brochure Design Layout. www.eAdvisorCompliance.com

                                                                                                 DISCLOSURE BROCHURE

         Fee Exclusions

         The above fees for all of our management services are exclusive of any charges imposed by
         the custodial firm including, but not limited to: (i) any Exchange/SEC fees; (ii) certain
         transfer taxes; (iii) service or account charges, including, postage/handling fees, electronic
         fund and wire transfer fees, auction fees, debit balances, margin interest, certain odd-lot
         differentials and mutual fund short-term redemption fees; and (iv) brokerage and execution
         costs associated with securities held in your managed account. There can also be other fees
         charged to your account that are unaffiliated with our management services.

         In addition, all fees paid to us for portfolio management services are separate from any fees
...

TYPES OF CLIENTS

     The types of clients we offer advisory services to are described above under “Who We Are” in
     the Advisory Business section. Our minimum account size for portfolio management is
     disclosed above under “Portfolio Management” in the Fees & Compensation section of this
     Brochure.

Form ADV: Part 2A                                                                                 Fund Advisors of America, Inc.
© eAdvisor Compliance, Inc. – Disclosure Brochure Design Layout. www.eAdvisorCompliance.com

                                                                                                 DISCLOSURE BROCHURE