Southwestern Money Management LLC

Item 5: Fees and Compensation
The annual investment advisory fee ranges from 0.35% to 1.25% of the client’s
portfolio market value of assets under management. There are no minimum fees
assessed to an account. Investment fees are based on the total market value of the
account, inclusive of all assets in the account, including securities and cash
equivalents. The investment fees are paid quarterly based on the market value of the
account on the last business day of the previous quarter. If an account is opened or
closed between quarters, the fee will be prorated based on the number of calendar
days of advisory services received. The Adviser’s investment advisory agreement
can be terminated by either party with 30 days prior written notice.
The Adviser also charges a fee for financial planning and investment consulting fees
to clients whose assets are not under the Adviser’s management.

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Clients will incur fees in addition to the management fee paid to the Adviser as stated
above. Such fees can include brokerage commissions, custodian fees, and expenses
for investing in securities, funds or structured notes. The Adviser will not earn any
of the foregoing fees.

Item 7: Types of Clients
The Adviser provides investment advisory services to a broad range of individual
clients. There is no minimum account value or annual fee. The Adviser, in its sole
discretion, is permitted to charge a lesser investment management fee. Pursuant to
the terms of the portfolio management agreements, clients are prohibited from
working with financial advisory businesses that are related to our investment
counselors.