World Equity Group Inc

FEES AND COMPENSATION
Client's accounts in the Adhesion Money Management Program are charged an investment advisory
fee for assets under management based on the value of all securities held in the Client's account.

The investment advisory fee covers:

    I. The initial analysis and periodic review of the Client's personal financial situation, investment
       objectives, time horizon, and risk tolerance by the IAR
    2. Discretionary management of the Client's account, asset allocation, rebalancing of the Client's
       account by the third-party money manager or the IAR
    3. Investment advisory services, including the investment advisory fees charged by the third-party
       money managers and Adhesion
    4. Account statements, trade execution and settlement, and custody of the Client's assets.

All account assets are held by WEG's Custodian, Schwab & Co., Inc., member FINRA/SIPC, 1945
Northwestern Drive, El Paso, TX 79912

The annual wrap program investment advisory fee charged to Clients is based on a percentage of the
Custodian's reported value of the assets held within each individual Client's account(s). The total wrap
investment advisory and program fee charged to the Client's account may fluctuate with changes to the
third-party money managers. The total Adhesion Money Management Program wrap fee shall not exceed
250 basis points (2.50%).

The Adhesion Money Management Program investment advisory assets management wrap fee schedule
is as follows:

 Client Assets     WEG                Third-party Money         IARFee                    Optional Tax
 Under             Platform Fee       Manager Fee                                          Overlay
 Management                                                                               Management
                                                                                              Fee
 $25k - $75k       .35%               *Varies                   Negotiable               .12%
 $75k- $750k       .30%               *Varies                   Negotiable               .12%
 $750k+            .27%               *Varies                   Negotiable               .08%

* For specific third-party money manager fees, please refer to the third-party money manager's
investment advisory manager's fee, which is disclosed in the Adhesion Money Management Program's
Agreement.

For accounts under $50,000, the Adhesion Program offers an Exchange Traded Funds ("ETFs") Select
Model portfolio. The Select Model portfolio offers access to institutionally priced ETFs.

The fee schedule for the ETF Select model is as follows:

Assets Under Management                  Annual Fee

$25,000 to $50,000                        1.5%

Fees are negotiable between the Client and IAR. All investment advisory and manager program fees are
paid quarterly in advance. If the Client makes a written request to WEG to terminate the Adhesion
Program agreement, the investment advisory and program fees will be prorated based on the termination
date and the unearned portion of the fees will be returned to the Client.

The Adhesion Money Management Program may cost the Client more or less than the Client would pay if
the investment advice, transaction and execution charges, and the account fees and charges for other
services were purchased separately. Adhesion Program Clients should consider and evaluate the value of
the Adhesion Program wrap account fees and costs and the services provided when making comparisons
to other programs. The combination of the services provided in the Adhesion Program may or may not be
available separately with other programs or the other options may require opening multiple accounts and
they may charge separate fees. Certain third-party money managers may not be available individually to
Clients outside the Adhesion Program because of minimum account sizes, fee schedules, geographic
availability or other factors. Adhesion Program Clients should also consider and evaluate the amount of
trading activity expected when selecting among different programs and assess the overall cost. Fee-based
investment advisory programs typically assume a certain amount of trading activity in the Client's
account. Therefore, prolonged periods of holding cash positions, limited trading activity and inactivity or
limited asset rebalancing which generally occur with holding individual bond positions may result in
higher fees than if the account was not holding cash positions and/or if the bonds were executed on a
commission basis separately for each transaction.

WEG and its JAR who recommends the Adhesion Money Management Program receives a part of the
investment advisory fees as a result of a Client's participation in the Adhesion Program. The amount of
the investment advisory fees received may be more than what WEG and its IAR, would receive if the
Adhesion Client paid separately for investment advice, transaction and execution charges and other
services. Therefore, the WEG and its IAR have a financial incentive and a conflict of interest to
recommend the Adhesion Program over other programs and services.

WEG may use both Compass, an affiliated internal money manager and/or third-party money managers
for the Adhesion Program. Each money manager receives a portion of the WEG investment advisory fee.
The use or non-use of Compass or third-party money managers does not change the amount charged by
the IAR or the investment advisory fee charged by WEG to the Client.

                                             OTHER FEES

The annual investment advisory fee percentages shown under the Adhesion Program is all inclusive,
wrapping transaction and execution costs, investment advisory fees and other fees and charges into one
account. However, the Adhesion Program investment advisory fee does not pay for any of the following:

    1. any stock exchange or SEC fees;
    2. certain transfer taxes;
...

TYPES OF CLIENTS
WEG primarily provides investment advice and investment advisory services to individuals, pension and/
or profit-sharing plans, trusts, estates, charitable organizations, corporations and other business entities.
Requirements for opening an account vary depending on the investment advisory program selected, but
WEG generally has minimum account size requirements of between $25,000 and $100,000 depending on
type of program. The third-party money managers may at their discretion accept accounts below the
minimum required amount. Account minimums are discussed in more detail in each third-party money
manager's Form ADV or other disclosure document.

                            PORTFOLIO MANAGER
                      SELECTION AND EVALUATION
Third-party money managers are selected for the Adhesion Program based primarily on their specific type
of investment model, strategy, risk management discipline, performance, and how the model aligns with
other models in the Adhesion Program. Additional considerations on whether to include a manager in the
Adhesion Program are based on passing due diligence, legal and regulatory background checks, through
interviews and meetings with the third-party money manager, and verifying compliance with regulatory
standards. WEG reviews manager performance data at least annually.

The WEG sponsored Adhesion Money Management Program provides our Investment Adviser
Representatives with access to third-party investment advisory services offered by various turnkey asset
management providers and third-party managed account providers. For more information regarding each
third-party money manager, please refer to the third-party money manager's Form ADV or other
disclosure document.

WEG may provide information to the Client regarding the retention or replacement of a certain third-
party money manager if the manager changes its management style or if the Client's financial situation,
investment objectives, time horizon and/or risk tolerance changes. WEG may replace managers in the
Adhesion Program if the manager's model is changed or WEG believes another manager would be more
appropriate for the Adhesion Program.

Each Client has the ability to change between the managers based upon the Client's stated specific
investment objectives, time horizon, risk tolerance and goals. The IAR assists the Client in selecting
appropriate managers based upon the specific financial situation and needs of the Client.

Neither WEG or any or its IARs assumes responsibility for the unaffiliated third-party money managers,
including their performance, performance reporting, or compliance with laws or regulations. Neither
WEG, or any third party independently verifies the performance information provided by the third-party
money managers to determine its accuracy or compliance with presentation standards. Performance
information may not be calculated on a uniform and consistent basis. Adhesion Program Clients are
advised and should understand that:

(a) such manager's past performance is no guarantee of future results;
(b) there are market and/or interest rate risks which may adversely affect any manager's objectives and
strategies and could cause a loss in a client's account, and
(c) any risk parameters or comparative index selections provided for accounts are guidelines only; there is
no guarantee that they will be met or exceeded. Once funds are allocated to a manager, the manager will
manage the funds in accordance with its model.

All third-party money manager options available under the program are Registered Investment Advisers
that are unaffiliated with WEG. The Compass program is also available outside of the Adhesion Program.
However, if the Client chooses to use Compass outside of the Adhesion Program, the Client will not
receive other benefits of the Adhesion Program, including the ability to allocate and reallocate to other
managers within an account.

                                 Other Conflicts of Interest
WEG and its IARs may purchase or sell the same securities or different securities from those
recommended to clients for their personal accounts. It is the policy of WEG that no person associated
with the firm may purchase or sell any security immediately prior to a transaction(s) being implemented
for an investment advisory account in order to prevent such employees from benefiting from transactions
placed on behalf of investment advisory accounts. Because of the single fee charged to a Wrap Program
account, WEG may be regarded as having a conflict in interest as it may realize a greater profit on a Wrap
Program account with a relatively low rate of portfolio turnover compared to other types of accounts,
assuming the same level of fees.

                               Frequency and Nature of Reviews
World Equity Group's IARs review their Clients' accounts and performance and meet with each Client on
an ongoing periodic basis, but no less than annually. IARs also may conduct additional reviews and meet
with the Client more frequently such as monthly or quarterly, depending on the type of investment
advisory program. WEG conducts periodic reviews of the money managers to evaluate their performance
compared to the other money managers and to the Client's stated investment objective, time horizon and
risk tolerance.

                                   Reports Provided to Clients
Clients receive a quarterly performance reports from WEG and monthly statements, from the Custodian
confirmations of all transactions executed in the Client's account, and a year-end tax summary.
Additional reports may be provided depending on the type of investment advisory program and at the
request of the Client. All account statements are sent to the Client's address of record directly from the
Custodian.

                CLIENT CONTACT & INFORMATION
             PROVIDED TO PORTFOLIO MANAGERS
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