Net Worth Advisory Group LLC

Fees and Compensation
Net Worth Advisory Group, LLC, provides portfolio investment advice, portfolio construction and
supervisory services. Asset management will be non-discretionary or discretionary as outlined in the
Investment Advisor Agreement. Net Worth’s advisory representative will work with each such client to
establish investment objectives and risk tolerance levels. Once such objectives and risk parameters are
established, assets will be held by Fidelity Institutional Brokerage Group (FIBG), Goldman
Sachs/FOLIOfn Investments, Charles Schwab, or other custodian broker/dealers as directed by the client.
The assets purchased and held there will, in most cases, be no-load or load-waived mutual funds, ETFs,
stocks and bonds so long as they are appropriate for the client and the client is made aware of any charges
which may result from such transactions.

Fees for Net Worth Advisory Group are computed at an annualized percentage of assets under
management. Most clients pay between 0.50% and 1.50% annually as outlined and agreed upon in the
Investment Advisory Agreement. The fee is determined based on the size of the portfolio being managed
and the investment strategy chosen by the client. Advisers may also reduce or waive advisory fees for
related people of the firm, household members of the related person, and/or friends of the Adviser (i.e.,
friends and/or family). Advisors reserve the right to discount fees as outlined and agreed upon in the
Investment Advisory Agreement.

Investment advisory fees are paid directly to Net Worth Advisory Group, LLC, for all portfolio advisory
services. Mutual funds, separate account managers, or third-party advisors charge varying management
fees that are separate from and in addition to Net Worth’s own fee. A full statement of all fees for any
specific program will be given to the interested client before any referral to or investment in those third-
party programs. Fees will be deducted from the client’s account, pursuant to the investment advisory
agreement to be signed and dated by the client. A client will receive notice from the custodian of the
billed advisory fees. A client can agree to other fee schedules as outlined in their Investment Advisory
Fee Contract.

These fees are for advisory services only and do not include any transaction fees or commissions, which
may be charged separately by the broker/dealer custodial firm. See the section heading Brokerage
Practices for more information.

Fees will be deducted from the client’s account in arrears on a quarterly or monthly basis as agreed upon
and outlined in the Net Worth Advisory Group Investment Advisory Fee Agreement. Net Worth
Advisory Group will negotiate an appropriate fee with the client, to be determined by a variety of factors
that include, but are not limited to:

      The complexity of the work provided
      The amount of assets involved
      The type of investments involved
      Other relevant services to be provided

Payment of fees may be paid direct by the client, or client may authorize the custodian holding client
funds and securities to deduct Net Worth Advisory Group advisory fees directly from the client account in
accordance with statements prepared and submitted to the custodian by Net Worth Advisory Group. The
custodian will provide periodic account statements to the client. Such statements will reflect all fee
withdrawals by Net Worth Advisory Group. It is the client’s responsibility to verify the accuracy of the
fee calculation. The custodian will not determine whether the fee is properly calculated.

Fees are not collected for services to be performed more than six months in advance.

If termination occurs prior to the end of a calendar quarter, fees will be assessed on a pro-rata basis.

The Advisory Agreement contains a pre-dispute arbitration clause. The client understands that the
agreement to arbitrate does not constitute a waiver of the right to seek a judicial forum where such a
waiver would be void under the federal securities laws. Arbitration is final and binding on the parties.

Performance-Based Fees and Side-By-Side Management
Net Worth Advisory Group does not charge performance-based fees, which are based on appreciation in
the client account.

Types of Clients
Net Worth Advisory Group provides advisory services to individuals, pension and profit-sharing plans
and other ERISA accounts, trusts, estates, and business entities.

Generally, the minimum account size is $100,000, subject to a minimum annual fee of $1,000. The
minimum fee would increase the maximum percentage rate paid on smaller accounts to more than 1%
annualized as shown on the standard fee schedule. However, in no case would the fee exceed 2% per
year. Advisors individually set their minimum account size.

There is no minimum asset size for clients retaining only financial planning services.

Methods of Analysis, Investment Strategies, and Risk of Loss
Net Worth Advisory Group uses asset allocation strategies for portfolio management.

By its nature, financial planning looks to the long-term. After the client's short-term cash needs and
emergency fund is evaluated, investment and insurance strategies are developed to help the client achieve
his or her financial goals. While there is risk in all investments, some carry a greater degree of risk or
higher costs. There is no guarantee that the investment strategy selected for the client will result in the
client’s goals being met, nor is there any guarantee of profit or protection from loss. For those
investments sold by prospectus, clients should read the prospectus in full.

Net Worth Advisory Group is disclosing those risks and opportunities for our investment strategy or for
particular types of securities used.

   •   Debt securities are subject to interest rates, credit, and market risk.
   •   There are tax consequences for short-term trading where capital gains are taxed as ordinary
       income.