TKG Advisors LLC

Item 5: Fees and Compensation
A.   KWP bases its fees on a percentage of assets under management and hourly
     charges. KWP, 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.).

     For asset-based fee arrangements, fee adjustments are made for account
     deposits and withdrawals. For account deposits, these fee adjustments are
     prorated based on the date on which KWP began managing the deposited
     assets. For account withdrawals, the fee adjustment is prorated based on the
     date of the withdrawal. When KWP bills its fee in advance, any applicable fee
     adjustments are applied at the following billing interval.
     INVESTMENT ADVISORY SERVICES
     The negotiable annual investment advisory fee (“Annual Fee”) schedule for
     KWP’s advisory services is described below:
           Assets Under                        KWP                   KWP
           Management                        Maximum                Maximum

                                 Kotys Wealth Professionals

                                           Annual               Quarterly
                                            Fee                   Fee*
     $0 - $499,999                       1.75%                    .44%
 $500,000 - $999,999                     1.65%                    .41%
$1,000,000 - $2,999,999                  1.50%                    .38%
$3,000,000 - $4,999,999                  1.00%                    .25%
$5,000,000 - $9,999,999                  0.75%                    .19%
$10,000,000 and above                    0.50%                    .13%

*Maximum quarterly fees are rounded to the nearest one-hundredth of a
percent.
In its sole discretion, KWP may aggregate asset totals of related accounts for
the purposes of fee breakpoints and calculations.
For clients with assets under KWP’s management exceeding $500,000, KWP’s
annual investment advisory fee shall also include financial planning and
consulting services. For clients with less than $500,000 in assets under KWP’s
management, KWP may determine to charge a $750 minimum planning fee in
addition to the client’s standard investment advisory fee, if the client elects to
receive such financial planning and/or consulting services. In the event that
the client requires extraordinary planning and/or consultation services (to be
determined in the sole discretion of KWP), KWP may determine to charge for
such additional services pursuant to a stand-alone Financial Planning
Agreement (see below).
CASH MANAGEMENT
The annual fee for KWP’s cash management services shall generally range
from 0.15% to 0.50% of assets held in the cash management program, based
upon various objective and subjective factors, including the complexity of the
client’s overall engagement with KWP, the level and scope of the overall
investment advisory services to be rendered for the client in addition to cash
management, negotiations, and other factors. As a result, similarly situated
clients could pay diverse fees, and the services to be provided by KWP to any
particular client could be available from other advisers at lower fees. All clients
and prospective clients should be guided accordingly. ANY QUESTIONS: KWP’s
Chief Compliance Officer, Wesley Kotys, remains available to address any
questions regarding Fee Differentials.
VARIABLE ANNUITY MANAGEMENT
KWP offers asset management services to advisory clients on their variable
annuities based on an annual fee of 1.30% of assets held in variable annuity
subaccounts. If a client holds assets managed under other advisory
agreements, the assets held in variable annuity subaccounts will be aggregated

                             Kotys Wealth Professionals

   with those assets and applied to the above tiered fee schedule, potentially
   lowering the overall fee for the client.
   ERISA PLAN SERVICES
   The annual fees are based on the market value of the Included Assets and will
   not exceed 1% of the value. The compensation of KWP for the services is
   described in detail in Schedule A of the ERISA Plan Agreement. The Plan is
   obligated to pay the fees, however the Plan Sponsor may elect to pay the fees.
   KWP does not reasonably expect to receive any additional compensation,
   directly or indirectly, for its services under this Agreement. If additional
   compensation is received, KWP will disclose this compensation, the services
   rendered, and the payer of compensation. KWP will offset the compensation
   against the fees agreed upon under this Agreement.
   QUALIFIED PLAN CONSULTING SERVICES
   The annual fee for Qualified Plan Consulting Services will not exceed 1% of
   included plan assets. If a client holds assets managed under other advisory
   agreements, the assets managed under this section will be aggregated with
   those assets and applied to the tiered fee schedule, potentially lowering the
   overall fee for the client.
   FINANCIAL PLANNING and CONSULTING
   KWP charges an hourly fee of $375 for financial planning and consulting. Prior
   to the planning process the client will be provided an estimated plan fee. Client
   will pay the estimated fee at the signing of the agreement. The services include,
   but are not limited to, a thorough review of all applicable topics including
   Wills, Estate Plan/Trusts, Investments, Taxes, and Insurance.
   Fee Dispersion. KWP, in its discretion, may charge a lesser investment
   advisory fee, charge a flat fee, waive its fee entirely, or charge fee on a different
   interval, based upon certain criteria (i.e. anticipated future earning capacity,
   anticipated future additional assets, dollar amount of assets to be managed,
...

Item 7: Types of Clients
     KWP generally provides investment advice to individuals, high net worth
     individuals, charitable organizations, and pension and profit sharing plans.
     Client relationships vary in scope and length of service.
     KWP requires a minimum of $500,000 to open an investment advisory
     account. KWP requires a minimum of $100,000 to open a cash management
     account. However, KWP may waive its minimum account size and/or charge a
     lesser investment advisory fee at their discretion based upon certain criteria

                                  Kotys Wealth Professionals

     (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.). As
     discussed in Item 4 above, investment advisory clients with less than $500,000
     under KWP’s management will be subject to a $750 minimum financial
     planning fee, if the client elects to receive such service. Please Note: Similar
     advisory services may be available from other investment advisers for similar
     or lower fees.