Sasser Investment Management Inc

Fees and Compensation
   Description
      SASSER INVESTMENT MANAGEMENT, INC. bases its fees on a
      percentage of assets under management. Lower fees for comparable
      services may be available from other sources.
       Fees may be negotiable.

   Fee Billing
       Investment management fees are billed quarterly, in arrears, meaning that
       client fees are due after the three-month billing period has ended. Payment in
       full is expected upon invoice presentation. Fees are usually deducted from a

                         Sasser Investment Management, Inc.

       designated client account to facilitate payment. The client must consent in
       advance to direct debiting of their investment account.

   Other Fees
       Custodians charge transaction fees on most purchases or sales of securities
       including 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. Sasser Investment
       Management, Inc. does not collect any portion of transaction fees charged by
       custodians.

   Expense Ratios
      Mutual funds and exchange traded funds generally charge a management fee
      for their services as investment managers. The management fee is called an
      expense ratio. For example, an expense ratio of 0.50 means that the mutual
      fund company charges 0.50% annually for their services. These fees are in
      addition to the fees paid by clients to SASSER INVESTMENT
      MANAGEMENT, INC.
       Performance figures quoted by mutual fund companies in various publications
       are after their fees have been deducted.

Types of Clients
   Description
      SASSER INVESTMENT MANAGEMENT, INC. generally provides investment
      management services to individuals, pension and profit-sharing plans, trusts,
      estates, charitable organizations, corporations or business entities.
       Client relationships vary in scope and length of service.

   Account Minimums
      The minimum account size is $200,000.00 of assets under management.

                          Sasser Investment Management, Inc.

       SIM may waive the minimum account size at its discretion. Accounts that fall
       below the minimum size or are opened and managed below the minimum
       size are billed on a percentage of the actual assets under management and
       not subject to a minimum annual fee.

Methods of Analysis, Investment Strategies and Risk of Loss