Networth Asset Management Inc

Item 5.         Fees and Compensation

Investment Advisory Services

The annual fee for advisory services will be charged as a percentage of assets under management,
according to the following incremental fee schedule (not retroactive):

Assets under Management                                 Annual Fee (%)
$50,000 - $250,000                                          1.75%
$250,001 - $750,000                                         1.50%
$750,001 or greater                                         1.15%

Per the fee schedule above, NetWorth requires a minimum of $50,000 of assets under
management for these services. The $50,000 in minimum assets under management is
negotiable in certain circumstances. Minimum assets under management may be discussed with
Roger Hubley. You can reach Mr. Hubley at (352) 268-2080.

NetWorth’s fee structure is negotiated within the range of the above referenced fee schedule,
on a client-by-client basis. Client facts, circumstances and needs determine the fee schedule.
These include the complexity of the client, assets to be placed under management, portfolio
style, reports and other factors. The specific annual fee schedule will be identified in the
contract between NetWorth and each client. Discounts, not generally available to our advisory
clients, may be offered to family members and friends.

We may group certain related client accounts for the purposes of determining the account size
and/or annualized fee.

Under no circumstances will we earn fees in excess of $500 more than six months in advance
of services rendered.

Deposits

Deposits for variable annuities premiums and mutual funds will be confirmed by the sponsoring
variable annuity company, variable annuity life insurance company or mutual fund company.
Deposits into brokerage accounts will be confirmed by the Intercarolina Financial Servies,
Altruist, Transitional Broker, Equity Trust Company or the chosen alternative investment
management company.

Fees in General

Depending on the particular arrangement with each client, we will either invoice clients or
directly debit their custodial accounts in advance at the beginning of each calendar quarter,
based upon the value of the client’s account as indicated on the monthly statements of the
accounts under management, without regard to profit or loss, on the last day of the previous
calendar quarter, pro-rated for additions and withdrawals.

Fees and account minimums for all services are negotiable based upon certain criteria (i.e.
anticipated future earning capacity, anticipated future additional assets, dollar amount of assets
to be managed, related accounts, account composition, negotiations with client, etc.).
Discounts, not generally available to our advisory clients, may be offered to family members
and friends.

Account Termination

Clients will have a period of five (5) business days from the date of signing the agreement to
unconditionally rescind the agreement and receive a full refund of all fees. Thereafter, the client
may terminate the agreement by providing us with a 30-day written notice at our principal place
of business. Upon termination of any account, any prepaid, unearned fees will be promptly
refunded, and any earned, unpaid fees will be due and payable.

Brokerage and Custodial Fees

In addition to advisory fees paid to our firm, clients will also be responsible for all transaction,
brokerage, and custodial fees incurred as part of their account management.

Marketing Events

Periodically, NetWorth will hold marketing events whereby clients are invited to attend
functions and/or dinners with individuals of our firm, and discuss new products, market
innovations or developments of interest to our clients. These functions are often underwritten
by wholesalers and providers of certain new products or services, and this is disclosed to all
client attendees prior to the event.

Newsletters

NetWorth provides online access to investment performance reports, investment
performance reports upon request, and newsletters to clients. These are intended to give
each client better understanding of their investment as well as economic and market
conditions that may affect their portfolio.

Additional    Compensation      Received     by    Us
Insurance

Roger Hubley, the owner of NetWorth, holds LIFE and ACCIDENT & HEALTH insurance
licenses. This individual may, from time to time, recommend insurance products to advisory
clients. The implementation of any such recommendation is solely at the discretion of the client.
However, NetWorth will receive insurance sales commissions if products are purchased. Clients
have the option to purchase insurance products recommended through other broker or insurance
companies not affiliated with our firm.

Selection of Other Advisers
NetWorth may recommend other investment advisers to clients to provide diversification of
investment strategies. These recommended investment advisers will be limited to those approved
by Equity Trust Company, Altruist, Intercarolina Financial Services, Inc., Transitional Broker
LLC, or those with whom NetWorth has contractual agreements. The compensation payable to
NetWorth is determined by each individual investment adviser according to the terms outlined
in the Equity Trust Company, Altruist, Intercarolina Financial Services, NetWorth Contractual
Agreements, or the Transitional Broker platform. Additionally, through a referral agreement
with Transitional Broker, NetWorth receives a 15% asset under management fee for clients
referred via Schwab. Clients will receive a full disclosure of any applicable compensation
schedule prior to making their initial investment in any chosen alternative investment adviser
program.

Commissions

Mr. Hubley is also a registered representative of Intercarolina Financial Services , a broker dealer
and member of FINRA/SIPC. Occasionally, NetWorth may recommend certain investments or
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Item 7.         Types of Clients

Our firm generally provides advisory services to individuals, pension and profit-sharing
plans, 401ks, corporations and trusts.