Monetary Management Group Inc

Fees and Compensation
Monetary Management annual fee is calculated quarterly per account and is based on the average
amount of assets under management during said quarter. The Fees are payable quarterly, in arrears.

The fee schedule range is as follows:
       Equities: 1.0% - 2.0% per annum
       Fixed:     .50% - 1.0% per annum

Minimum fee: $2,500 annually. Accounts can be combined for the purpose of determining the
minimum fee. All fees are subject to negotiation based on such factors as the size and asset mix
of the account(s).

Additional Bundled Service Cost Considerations
In our wrap program, the client is charged a single, all-inclusive fee (sometimes referred to as a
“wrap fee” and referred to herein as a “comprehensive fee”) based upon a percentage of the market
value of the client’s account. The comprehensive fee covers all services for: (1) recommendations
of investments in the client’s portfolio; (2) execution of portfolio transactions; (3) reports on the
assets in the client’s portfolio, which also includes providing the client with trade confirmations
and monthly statements; (4) periodic evaluation and comparison of account performance; and (5)
continuing consultation on the client’s investment objectives. A wrap fee program allows our
clients to pay a specified fee for investment advisory services and the execution of transactions.
The advisory services and the fee are not based directly upon transactions in your account(s). We
do not charge our clients higher advisory fees based on their trading activity, but you should be
aware that we may have an incentive to limit our trading activities in your accounts(s) because we
are charged for executed trades. By participating in a wrap fee program, you may end up paying
more or less than you would through a non-wrap program where trade execution costs are paid by
you directly to the executing broker.

Fee Payment Options
As indicated in our advisory agreement with you, there are two options you may select to pay for
our services:
      Direct debiting (preferred): at the inception of the relationship and each quarter thereafter,
        we will notify your custodian of the amount of the fee due and payable to us through our
        fee schedule and contract. They will “deduct” the fee from your Account(s) or if you have
        more than one account from the account you have designated to pay our advisory fees. No
        less than quarterly, you will receive a statement directly from your custodian showing all
        transactions, positions, and debits into or from your account, including the advisory fee
        paid by you to us. Every quarter, we will send you a billing invoice for the fee deducted
        and the amount of the assets the fee was based on. We urge you to verify the information
        in our report with the custodian's statement. The custodian does not validate or check our
        fee, or its calculation on the assets on which the fee is based.

      Pay-by-check: at the inception of the Account and each quarter thereafter, we issue you
       an invoice for our services and you pay us by check or wire transfer within 15 days of the
       date of the invoice.

Additional Fees and Expenses
Clients with individual retirement accounts (IRA) will incur an annual charge by the account’s
custodian that is in addition to Monetary Management’s advisory fee. Also, there are fees charged
directly by a mutual fund, index fund, or exchange-traded fund which will be disclosed in the
fund’s prospectus and are paid by the client which are in addition to the fee paid to Monetary
Management for advisory services.

Item 5 – Account Requirements and Types of Clients

Account Requirements
Our minimum account size is typically $500,000.00. The account size is negotiable, and we
reserve the right to accept lesser amounts.

Types of Clients
We provide our services to a number of Clients including:

      Individuals, including high net worth individuals
      Trusts, estates, and charitable organizations
      Pension and profit-sharing plans
      Taft Hartley plans

Item 6 – Portfolio Manager Selection and Evaluation
Each investment adviser representative of Monetary Management acts as a portfolio manager for
the Wrap Program. We do not hire outside portfolio managers. Our investment adviser
representatives offer individualized investment advice to their clients in the Wrap Program. See
Item 4 for a description of our program. We allow clients to impose reasonable restrictions on
investing in certain securities or types of securities.
Performance-Based Fees and Side-By-Side Management
We do not charge any performance-based fees (fees based on a share of capital gains on or
capital appreciation of the assets of a client).

Analysis Methods
Our security analysis methods include fundamental analysis, technical analysis, and cyclical
analysis.

Sources of Information
In conducting security analysis, we utilize a broad spectrum of information, including financial
publications, third-party research materials, annual reports, prospectuses, regulatory filings,
company press releases, corporate rating services, and meetings with management of various
companies.

Investment Strategies
We employ a range of investment strategies to implement the advice we give to clients including
long-term purchases, short-term purchases, trading, margin transactions, option strategies
including writing covered options, uncovered options and spreading strategies.

It is possible that we or our affiliates may manage accounts of clients whose investment objectives
are substantially different from one another. As a result, it is possible that it would be appropriate
for us to sell a security “short” from one account while holding it “long” in another account. In
general, our positions regarding any security will be net long.

Frequency Trading
Strategies involving frequent trading of securities can affect investment performance.

Risk of Loss
All investments in securities include a risk of loss of your principal (invested amount) and any
profits that have not been realized (the securities were not sold to “lock in” the profit). As you
know, stock markets and bond markets fluctuate substantially over time. In addition, as recent
global and domestic economic events have indicated, performance of any investment is not
guaranteed. As a result, there is a risk of loss of the assets we manage that may be out of our control.
We cannot guarantee any level of performance or that you will not experience a loss of your
account assets. Investing in securities involves risk of loss that clients should be prepared to bear.