Moneywise Inc

Item 5 - Fees and Compensation
   Description

        HSC WEALTH ADVISORS bases its fees on a percentage of assets under
        management or in combination with fixed fees.

        Some Annual Fixed Fee Agreements may be priced based on the complexity of work,
        especially when asset management is not the most significant part of the relationship.

   Fee Billing

        Wealth management fees are billed quarterly, in arrears, meaning at the first day of
        the quarter, we bill and collect for the previous three-month period. Fees are usually
        deducted from a designated client account to facilitate billing; however, the client
        must consent in advance to direct debiting of their investment account. However,
        clients may select either direct billing or direct debit of their investment account.

   Other Fees

        Custodians may charge transaction fees on purchases or sales of certain mutual funds
        and exchange-traded funds. These transaction charges are usually small and
        incidental to the purchase or sale of a security. The selection of the security is more
        important than the nominal fee that the custodian charges to buy or sell the security.

        HSC WEALTH ADVISORS, in its sole discretion, may waive its minimum fee
        and/or charge a lesser investment advisory fee based upon certain criteria (e.g.,
        historical relationship, type of assets, anticipated future earning capacity, anticipated
        future additional assets, dollar amounts of assets to be managed, related accounts,
        account composition, negotiations with clients, etc.).

   Expense Ratios

        Mutual funds generally charge a management fee for their services as investment
        managers of the fund. For example, if the mutual fund company charges 0.5% for
        their services, a $10,000 investment would cost $50.00. These fees are in addition to
        the fees paid by the client to HSC WEALTH ADVISORS, however, the fund
        management fee is taken from the profits of the fund so a bill is not sent to the client.

        Performance figures quoted by mutual fund companies in various publications are
        after their fees have been deducted.

                                     HSC Wealth Advisors

    Past due Accounts and Termination of Agreement

         HSC WEALTH ADVISORS reserves the right to stop work on any account that is
         more than 30 days overdue. In addition, HSC WEALTH ADVISORS reserves the
         right to terminate any financial planning engagement where a client has willfully
         concealed or has refused to provide pertinent information about financial situations
         when necessary and appropriate, in HSC WEALTH ADVISORS’s judgment, to
         providing proper financial advice. Any unused portion of fees collected in advance
         will be refunded within 60 days.

Item 7 - Types of Clients
    Description

         HSC WEALTH ADVISORS generally provide financial planning and investment
         advice to individuals, families, pension and profit sharing plans, trusts, estates,
         charitable organizations, corporations or business entities.

         Client relationships vary in scope and length of service.

    Account Minimums

         HSC WEALTH ADVISORS has the discretion to waive the account minimums
         stated on pages 2 and 3. Accounts of less than $1,000,000 may be set up when the
         client and the advisor anticipate the client will add additional funds to the accounts
         bringing the total to $1,000,000 within a reasonable time. Other exceptions will apply
         to employees of HSC WEALTH ADVISORS and their relatives, or relatives of
         existing clients.

                                     HSC Wealth Advisors