Money Concepts Capital Corp

Fees and Compensation - Item 5

As described previously, we have the discretion to negotiate the terms of each client’s relationship with us on a case-by-case basis,
including our fees. Waivers, discounts, or more favorable terms may be offered to family members and friends of our employees
and affiliates. The specific terms of each client’s advisory relationship, including the amount of fees charged, will be agreed upon
in writing by both MCAS and the client.

Portfolio Management Fees
The fees for our portfolio management services are payable in advance. These fees vary per program and are typically asset-based.
Generally, clients will authorize and direct their custodians to deduct the fees due from their accounts upon receipt of instructions
from MCAS (or on our or the sub-adviser’s behalf). The amount of our fees paid will be reflected on a statement provided to the
client at least quarterly by the custodian. Upon request and at our discretion, we may agree to bill the client directly for our fees.
If the client’s account is managed by a sub-advisor, both MCAS and the sub-advisor share in the advisory fee that is collected. A
client agreement may be canceled at any time, by either party, for any reason upon receipt of thirty (30) days written notice. Upon
termination of any account, any prepaid, unearned fees will be promptly refunded (i.e., within 30 days), and any earned, unpaid

       Money Concepts Advisory Service
       Form ADV Part 2A Brochure

fees will be due and payable. The client has the right to terminate an agreement without penalty within five (5) business days after
entering into the agreement.

GPS Program & GPS – Retirement Plan Network
For our GPS Program, we typically charge an asset-based quarterly fee of 0.625% (2.5% annually) of assets under management, but
this amount may vary according to the client and the program selected. This fee includes the fee charged by Envestnet. We usually
impose a minimum quarterly fee of $62.50. Our fee schedules are subject to change with thirty (30) days written notice to the
client. The fee is payable in advance on the effective date of the agreement prorated to the next quarter end. Thereafter, fees
shall be computed and paid not less frequently than quarterly based on the value of the account on the last business day of the
previous quarter end. Contributions and withdrawals are netted against each other to calculate the flow bill/refund amount. Flow
billing is processed in arrears, at the end of each quarter (debits or credits occur on or around the 7 th business day of the new
quarter), and transactions are separate from the regular quarterly billing. Where Envestnet has been delegated with fee calculation
and deduction authority, contributions and withdrawals are prorated on a monthly basis to capture deposits or withdrawals and
intra quarter account openings and closings. Clients participating in our GPS programs are subject to a one-time 2.5% financial
planning fee, which may be reduced or waived at our discretion. For our GPS – Retirement Plan Network, we typically charge an
asset-based quarterly fee of 0.325% (1.3% annually) of assets under management, but this amount may vary according to the client
and the program selected.

Clients who invested in our GPS Program through separately managed accounts prior to March 2026 will typically be charged a
legacy fee rate that differs from that described above. However, such clients who transition to a unified managed account will be
charged the 2.5% annual fee described above. Clients who invested in our GPS – Retirement Plan Network prior to April 2009
typically pay a different fee rate than that described above.

Clients invested in the BNY Mellon AdvisorFlex Portfolios are charged a wrap fee instead of the fees described above. Details about
the wrap fee can be found in the wrap fee program brochure for BNY Mellon Advisors, Inc.

Clients participating in the Annuity-Linking Program are charged a sperate quarterly fee for the annuity linking service. The separate
fee is based on a percentage of the linked annuity’s value at the start of the quarter. The linked annuities are not included in the
assets under management calculation determining the asset-based quarterly fee charged for participation in the relevant GPS
program.

Participants in the World Class Pension program will pay the following fees:
                             QUALIFIED PLAN ACCOUNT ASSETS                           QUARTERLY FEE
                                     $10,000 to $999,999                                .3250%
                                  $1,000,000 to $2,999,999                              .2500%
                                  $3,000,000 to $4,999,999                              .2250%
                                  $5,000,000 to $9,999,999                              .1875%
                                    $10,000,000 and over                                .1500%

Managed Allocation Program
Participants in the Variable Annuities program will pay the following fees:
                         AMOUNT OF ASSETS UNDER MANAGEMENT                          QUARTERLY FEE
                                      $10,000 to $49,999                               .4500%
                                      $50,000 to $99,999                               .4000%
                                    $100,000 to $499,999                               .3750%
                                    $500,000 to $999,999                               .3125%
                                     $1,000,000 and over                               .2500%

       Money Concepts Advisory Service
       Form ADV Part 2A Brochure

MAP Advisor Assisted Program
The American Funds Class F-2 Shares program: F-2 shares have no up-front or contingent deferred sales charges. Fees shall be
calculated by American Funds Service Company for each quarterly period ending the last business day of February, May, August
...

Types of Clients - Item 7

We provide investment advisory services to the following types of clients:
                           • Individuals, including high net worth individuals
                           • Pension and profit sharing plans
                           • Trusts, estates, and charitable organizations
                           • Corporations and other businesses
Some of the programs offered through our portfolio management services have required account minimums. Please see Item 4 for
details on the required account minimums by program.

                           Methods of Analysis, Investment Strategies and Risk of Loss - Item 8