Woodmont Advisory Group Inc

Item 5 Fees and Compensation

Assets Under Management- Portfolio Management Program Fee Schedule:

 Account Value                  Quarterly Fee Rate

 $     100 - $ 99,999           0.3750% of assets (1.50% per year)
 $ 100,000 - $249,999           0.3125% of assets (1.25% per year)
 $ 250,000 - Up                 0.2500% of assets (1.00% per year)

We reserve the right to negotiate fee rates and terms for individual and institutional clients.

Portfolio Management fees will be directly deducted from your account at the custodian unless otherwise
negotiated quarterly in advance or in arrears from your accounts within thirty (30) days following the end of
the quarter. Our fees are based on the percentages listed in the Fee Schedule on ending account market
values based on the calendar quarter custodial statement. The fee is calculated by multiplying the ending
account market values of the account from the previous quarter by the annual fee multiplied by the actual
number of days in the quarter divided by the number of days in the year.

Portfolio Management fees will be billed in one of two ways.
(1) Fees will be directly deducted from your account at the custodian quarterly in advance from your
    accounts within thirty (30) days following the end of the quarter. We will send the qualified custodian
    written notice of the amount of the fee to be deducted from your account.

    We and/or the custodian shall provide written notice/invoice documentation reasonably supporting the
    determination of the investment advisor fees. The Custodian will send to you a quarterly Account
    statement that shows the amount of our advisory fee, the value of your assets upon which the fee was
    based, and the specific manner in which the fee was calculated. We will verify that the Custodian sends
    Account statements on a quarterly basis.

    You should compare invoices for advisory fees to the corresponding custodian statement. Statements
    should be received from the custodian no less than quarterly. If statements are not received, contact
    us immediately.

(2) Fees will be directly invoiced on a quarterly basis within (30) days following the end of the quarter. (For
    clients wishing to be billed must have approval and arrangements made in advance).

Termination
In the event you terminate within five (5) business days of the effective date of the agreement, the fee will
be refunded in full. After five business days, either party can terminate the Agreement at any time and for
any reason, upon thirty (30) days' written notice to the other party. A refund of our unearned fees will be
made on a prorated basis from the time of termination. Earnings of prepaid fees due or collected from you
shall be directly amortized over the number of days in each quarter period and shall be the basis for
calculating a fee refund.

It is understood that the Agreement can be terminated at any time, by either party, immediately upon receipt
of written notice from one party to the other. In the case that we receive written notice of the termination of
the Agreement, we will, to the best of our ability, fulfill any specific instructions in the written notice. If no
specific instructions are given, we shall honor our basic fiduciary responsibility to preserve capital.

The agreement shall remain in full force and effect until expressly revoked as provided in the Agreement.
The Agreement cannot be assigned or sold by us to any other party without your prior written consent.

Retirement Accounts – DOL Disclosure
We are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act of 1974
(“ERISA”) and/or the Internal Revenue Code (“Code”), as applicable, when we provide investment advice
regarding portfolio assets held in an IRA, Roth IRA, Archer Medical Savings Account, a Plan covered by
ERISA, or a plan described in Section 4975(e)(1)(A) of the Code (collectively referred to collectively
sometimes herein as (“Retirement Accounts”).

To ensure that Woodmont will adhere to fiduciary norms and basic standards of fair dealing, we are required
to give advice that is in the "best interest" of the retirement client. The best interest standard has two chief
components: prudence and loyalty. Under the prudence standard, the advice must meet a professional
standard of care, and under the loyalty standard, our advice must be based on the interests of our retirement
clients, rather than the potential competing financial interest of Woodmont.

To address the conflicts of interest with respect to our compensation, we are required to act in your best
interest and not put our interest ahead of yours. To this end, we must:
     • Meet a professional standard of care when making investment recommendations (give prudent
         advice).
    •   Never put our financial interests ahead of you when making recommendations (give loyal advice).
    •   Avoid misleading statements about conflicts of interest, fees, and investments.
    •   Follow policies and procedures designed to ensure that we give advice that is in your best interest.
    •   Charge no more than is reasonable for our services; and
    •   Give you basic information about conflicts of interest.

ERISA Accounts,Profit Sharing 401(k), SEP’s:
We can also have other retirement accounts, which are subject to ERISA rules and regulations. In all cases
an “eligible investment advice arrangement” or advisory agreement will be executed with the Client. We
will be considered a “fiduciary advisor” and will charge fees to the retirement account.

Additional Types of Fees or Expenses:
Portfolio Management fees do not include the cost of custodial services for individual retirement accounts
for qualified retirement plans. Transaction costs are not commissions. They are clearing costs charged by
the designated clearing firm on the account. We can elect at our option to bear the cost of transactions
...

Item 7 Types of Clients

Client Base:
Our customer base can consist of individuals, high net worth individuals, corporations, and pension and
profit-sharing plans. Other types of clients serviced by us include Joint Accounts; Joint Accounts-Tenants
In Common; Joint Accounts with Rights of Survivorship; Custodial Accounts; Retirement Accounts; Money
Purchase Plans, IRA Accounts; SEP-IRA Accounts, Keogh Accounts; 401-K Accounts, Defined Benefit
Accounts, Variable Annuity Accounts. These are the types of clients that we service, but we may not have
all these types as current clients at any one time.

Conditions for Account Management:
We have no imposed minimum account size to be managed by us.