MCA Cross Border Advisors Inc

Item 5: Fees and Compensation

      A. Fee Schedule

Investment Advisory Services (MCA Advisors and MCA Capital)

Clients receiving portfolio management services from MCA will be charged an advisory fee
on a monthly basis in arrears based on the month-end valuation. This fee is negotiable in
certain cases but will generally be charged based on the following fee schedule:

               First $1,000,000 =                 0.95%
               Next $1,000,001 - $3,000,000 =     0.85%
               Next $3,000,001 - $5,000,000 =     0.65%
               Next $5,000,001 - $10,000,000 =    0.35%
               Greater than $10,000,000          Negotiable

MCA will inform clients of investment advisory services offered through third-party
money managers. This relationship will be disclosed in each contract between MCA and
the Client. The fees billed by MCA will not exceed any limit imposed by any regulatory
agency. Because fees are charged in arrears, no refund is necessary. Clients may
terminate the contract without penalty, for full refund, within five business days of
signing the contract. Thereafter, clients may terminate the contract with thirty days’
written notice.

Sub-advisors

For certain existing clients, an additional fee of 0.40% is charged by MCA on assets allocated
to a sub-advisor. MCA will pay all or a portion of this additional fee to the respective sub-
advisor.

Financial Planning Fees (MCA Advisors)

Fixed Fees

Depending upon the complexity of the situation and the needs of the client, the rate for
creating client financial plans is generally between $5,000 and $100,000. Fees are paid in
advance, but never more than six months in advance, with the remainder due upon
presentation of the plan. Fees that are charged in advance will be refunded based on the
prorated amount of work completed at the point of termination. The fees are negotiable
and the final fee schedule will be attached as Exhibit II of the Financial Planning
Agreement. Clients may terminate their contracts without penalty within five business
days of signing the agreement.

Hourly Fees (MCA Advisors)

Depending upon the complexity of the situation and the needs of the client, the hourly
fee for these services is between $250 and $475. The fees are negotiable and the final fee
schedule will be attached as Exhibit II of the Financial Planning Agreement. Fees are paid
in arrears upon completion. Because fees are charged in arrears, no refund is necessary.
Clients may terminate their contracts without penalty within five business days of
signing the agreement.

Selection and Oversight of Other Advisers: Fees (MCA Advisors)

MCA Advisors may refer clients to third party money managers for implementation of
the clients’ financial plan. MCA Advisors will recommend third party money managers
after interviews and evaluations of available managers in collaboration with the client.
MCA Advisors will continue to monitor and oversee the third party manager(s) and
provide analysis to the client on an ongoing basis. MCA Advisors will be compensated
via a fee based on a percentage of your assets under advisement that is paid directly by
the client that is separate and distinct from the fee the client pays the third party manager.
This fee is calculated quarterly based on the month-end balance of such assets during
the quarter. The fees charged by the third party manager and MCA Advisors will not
exceed any limit imposed by any regulatory agency. Before selecting other advisors for
clients, MCA Advisors will always ensure those other advisors are properly licensed or
registered as an investment advisor.

The fee schedule is as follows:

        AUA               MCA Advisors Fee                     Third Party Fee
        All Assets        Percentage of assets under           As Disclosed in the
        Under             advisement based on the              Third Party’s ADV Part
        Advisement        following range:                     2A, not to exceed 1.5% of
                                                               AUM.
                          $500K-$2 Million – 0.4%
                          $2 Million - $3.5 M – 0.35%
                          $3.5 Million and above – 0.30%

These fees are negotiable depending upon the needs of the client and complexity of the
situation. Clients may terminate the contract at any time. Clients, at such time, will be
refunded any unearned fees.

      B. Payment of Fees

Payment of Financial Planning Fees (MCA Advisors)

Fixed Financial Planning fees are paid via check in advance, but never more than six
months in advance, with the remainder due upon presentation of the plan.

Hourly Financial Planning fees are paid via check in arrears upon completion.

Payment of Investment Supervisory Fees (MCA Advisors and MCA Capital)

Advisory fees are withdrawn directly from the client’s accounts by MCA with client
written authorization. Fees are paid monthly in arrears.

Payment of Selection and Oversight of Other Advisers Fees (MCA Advisors)

For certain clients where both MCA Advisors and a sub-advisor provide investment
advisory services to a client, MCA Advisors will bill the client its advisory fee and the
sub-advisor’s fee directly on a monthly basis. MCA Advisors will then pay to the
subadvisor any subadvisory fees earned by the subadvisor at the end of the quarter.

If MCA Advisors refers clients to third-party money managers for implementation of the
clients’ financial plan, the third-party money manager will charge the client an asset-
based fee, which is separate from any fixed-fee charged by MCA Advisors. Please see
Item 10 for more information regarding MCA Advisors’ recommendation of third-party
managers.

      C. Clients Are Responsible 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
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Item 7: Types of Clients

MCA generally provides money management services to the following types of clients:

          ❖ Individuals
          ❖ High-Net-Worth Individuals

Minimum Account Size

There is no account minimum.