Financial Partners Group- 10925 Antioch Road, Suite 100 Overland Park, KS 66210 Once FPG has determined the types of investments to be included in your portfolio and allocated them, FPG will provide ongoing management services including monitoring and reporting. FPG will rebalance the portfolio, as we deem appropriate, to meet your financial objectives. On a discretionary basis, FPG will trade these portfolios and rebalance them based on the combination of our market views and your objectives, using our investment process. FPG may manage your investments in sub-accounts within an insurance or annuity contract. These services are managed under our investment management agreement amendment. FPG tailors our advisory services to meet the needs of our clients and seek to ensure that your portfolio is managed in a manner consistent with those needs and objectives. You will have the ability to leave standing instructions with us to refrain from investing in particular securities or industries or to invest in a limited amount of securities. If a non-discretionary relationship is in place, calls will be placed presenting the recommendation made and only upon your authorization will any action be taken on your behalf. In all cases, you have a direct and beneficial interest in your securities, rather than an undivided interest in a pool of securities. FPG does have limited authority to direct the Custodian to deduct our investment advisory fees from your accounts, but only with the appropriate written authorization from you. Where appropriate, FPG will provide advice about any type of legacy position or other investment held in client portfolios. Clients can engage us to advise on certain investment products that are not maintained at their primary custodian. You are advised and are expected to understand that our past performance is not a guarantee of future results. Certain market and economic risks may exist that adversely affect an account’s performance. This could result in capital losses in your account. Estate and Taxation Planning Services As part of our service to our clients, FPG also provides estate planning advice which, depending on your needs, addresses cash needs at death, income needs of surviving dependents, minimizing the impact of taxes on your estate, and an analysis of strategies and investment plans to help you achieve your goals. FPG, working closely with your attorney, can also assist you in setting up and funding a trust or other vehicle that may be useful in meeting your goals. FPG also offers Investment Supervisory Services to manage the assets used to fund the trust or other vehicle established for this purpose. Please note, that FPG does not provide legal services but will work closely with your attorney to help you implement your Estate Plan. FPG can work with your tax professional to develop a financial plan that takes into consideration your current and future taxation issues. Tax preparation is not included in this Agreement nor in the fees you pay FPG. Financial Planning Although some Financial Planning is provided as a courtesy to ongoing clients, the firm offers separate financial planning services for a fee. Through the Financial Planning process, the Financial Partners Group team strives to engage our clients in conversations around the family’s goals, objectives, priorities, vision, and legacy – both for the near term as well as for future generations. With the unique goals and circumstances of each family in mind, the FPG team will offer wealth planning ideas and strategies to address the client’s holistic financial picture, including estate, income tax, charitable, cash flow, wealth transfer and family legacy objectives. Our team partners with our client’s other advisors (CPA, Estate Attorney, Insurance broker, etc.) to ensure a coordinated effort of all parties toward the client’s stated goals. Such services include various reports on specific goals and objectives or general investment and/or planning recommendations, guidance to outside assets and periodic updates. Our specific services in preparing your plan include:
• Review and clarification of your financial goals.
• Assessment of your overall financial position including cash flow, balance sheet, investment strategy, risk management and estate planning.
• Creation of a unique plan for each goal you have including personal and business real estate, education, retirement or financial independence, charitable giving, estate planning, business succession and other personal goals.
• Development of a goal-oriented investment plan, with input from various advisors to our clients around tax suggestions, asset allocation, expenses, risk and liquidity factors for each goal. This includes IRA and qualified plans, taxable and trust accounts that require special attention.
• Design of a risk management plan including risk tolerance, risk avoidance, mitigation and transfer, including liquidity as well as various insurance and possible company benefits.
• Crafting and implementation of, in conjunction with your estate and/or corporate attorneys as tax advisor, an estate plan to provide for you and/or your heirs in the event of an incapacity or death. A written evaluation of each client's initial situation or Financial Plan is provided to the client. An annual review will be provided by the Adviser, if indicated by the Client and Advisor per the Financial Planning Agreement. More frequent reviews occur but are not necessarily communicated to the client unless immediate changes are recommended. Third Party Managers FPG provides investment advice and recommendations on the investment strategies of Third-Party Managers (“TPM”). Selected Managers are evaluated by FPG for client use. Our services include assisting you in identifying your investment objectives and matching personal and financial data with a select list of Managers. The intent of this service is to have a selected list of high quality and recognizable third-party investment management firms from which you select one or more Managers to handle the day-to-day management of your account(s). Following recommendations by one of our IARs, you will have final authority to select a TPM. The IAR will assist you in completing appropriate documents. FPG IARs assist clients with identifying their risk tolerance and investment objectives. IARs will recommend TPMs in relation to the client’s stated investment objectives and risk tolerance. A client may select a recommended TPM based upon the client’s needs. Clients will enter a Third Party Advisory Program Agreement directly with FPG. Managers selected for your investments need to meet several quantitative and qualitative criteria established by FPG. Among the criteria that may be considered are the TPM’s experience,

assets under management, performance record, client retention, the level of client services provided, investment style, buy and sell disciplines, capitalization level, and the general investment process. You are advised and should understand that:
• A TPM’s past performance is no guarantee of future results;
• There is a certain market and/or interest rate risk which may adversely affect any TPM’s objectives and strategies, and could cause a loss in a client’s account(s); and
• Client risk parameters or comparative index selections provided to FPG are guidelines only and there is no guarantee that they will be met or not be exceeded. FPG IARs shall be available to answer questions the client may have regarding their account and act as the communication conduit between the client and the TPM. Managers may take discretionary authority to determine the securities to be purchased and sold for the client. All accounts are managed by the selected TPM and FPG does not have any discretionary trading authority with respect to such accounts. Information collected by our firm regarding Managers is believed to be reliable and accurate, but FPG does not necessarily independently review or verify it on all occasions. All performance reporting will be the responsibility of the respective TPM. Such performance reports will be provided directly to you and FPG. FPG does not audit or verify that these results are calculated on a uniform or consistent basis as provided by a TPM directly to FPG or through the consulting service utilized by the TPM. FPG has entered into agreements with various TPMs. Under these agreements, FPG offers client’s various types of programs sponsored by these Managers. All TPMs to whom FPG will refer clients will be licensed as registered investment advisors by their resident state and any applicable jurisdictions or registered investment advisors with the Securities and Exchange Commission. Third-party managed programs generally have account minimum requirements that will vary from investment advisor to investment advisor. Account minimums are generally higher on fixed income accounts than equity-based accounts. A complete description of the TPM’s services, fee schedules and account minimums will be disclosed in the TPM’s Form ADV or similar Disclosure Brochure which will be provided to clients at the time an agreement for services is executed and account is established. Employer Sponsored Retirement Plan Consulting Retirement Plan Advisory Services consists of helping employer plan sponsors to establish, monitor and review their company's retirement plan. As the needs of the plan sponsor dictate, areas of advising could include: investment selection and monitoring, plan structure, and participant education. FPG offers management of 401(k), 457, and 403(b) accounts both on a plan level and on the individual participant level. On the plan level, we manage the investment line-up making changes as necessary as well as providing risk based investment models for the participants. On the individual participant level, we manage risk based models using the current investment lineup based on risk tolerance of the individual investor. Plan Level FPG will establish the plan’s needs and objectives through an initial meeting to collect data, review plan information, and assist in developing or updating the plan’s provisions. Ongoing services may include recommendations regarding the selection and review of unaffiliated mutual funds that, in the FPG’s judgment, are suitable for plan assets to be invested. FPG will periodically review the investment options selected and make recommendations to keep or replace plans investment options as appropriate. FPG will perform a comprehensive review of Investment options and will assist with converting from incumbent service providers to a new service provider if appropriate. FPG will provide quarterly recommendations for the plan’s investment allocation. Upon receipt we will review the investment options and provide positions for accounts in accordance with the management style chosen by the client. Analysis is provided for each fund held by the Plan. A report shows historical performance, asset allocation, and the performance of each fund, including its performance in comparison to its appropriate benchmark. The report also contains information regarding each Fund’s managers, capitalization, investment style, expenses, portfolio composition and other qualitative factors relevant to the Fund’s performance and adherence to the Plan’s Investment Policy Statement. Clients are responsible for making the fund changes within the account. Participant Level FPG can also be engaged to provide financial education to plan participants. The scope of education provided to participants will not constitute “investment advice” within the meaning of ERISA and participant education will relate to general principles for investing and information about the investment options currently in the plan. FPG may also participate in initial enrollment meetings and periodic workshops and enrollment meetings for new participants. Consulting Services FPG also provides clients investment advice on a more-limited basis on one-or-more isolated areas of concern such as estate planning, real estate, retirement planning, or any other specific topic. Additionally, we provide advice on non-securities matters about the rendering of estate planning, insurance, real estate, and/or annuity advice or any other business advisory / consulting services for equity or debt investments in privately held businesses. In these cases, you will be required to select your own investment managers, custodian and/or insurance companies for the implementation of consulting recommendations. If your needs include brokerage and/or other financial services, FPG will recommend the use of one of several investment managers, brokers, banks, custodians, insurance companies or other financial professionals ("Firms"). You must independently evaluate these Firms before opening an account or transacting business and have the right to effect business through any firm you choose. You have the right to choose whether to follow the consulting advice that we provide. Disclosure Regarding Rollover Recommendations We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice to you regarding your retirement plan account or individual retirement account, we are also fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. We have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests.