Network Investment Advisors, Inc. (hereinafter “NIA”) offers the following services to advisory clients: A. Description of Services NIA participates in and sponsors wrap fee programs, which means NIA will wrap third party fees (i.e., custodian fees, brokerage fees, mutual fund fees, transaction fees, etc.) for wrap fee portfolio management accounts.) NIA will charge clients one fee. Instead, all transaction fees arise out of the fee collected from the client, however NIA will pass those charges on to the client in the form of higher advisory fees, as disclosed below. Thus, should you agree to participate in the wrap fee program, you will not be required to pay the standard fees associated with transactions except as limited below. Accounts participating in the wrap fee program are not charged higher advisory fees based on trading activity, though we may elect to change that at some later date on new WRAP accounts and/or if you later agree (in writing) to the higher advisory fees. Clients should note that our recommended custodian, Charles Schwab & Co., Inc. (“Schwab”), Inc. does not charge transaction fees for U.S. listed equities and exchange traded funds. Since we pay the transaction fees charged by the custodian to clients participating in our wrap fee program, this presents a conflict of interest because we are incentivized to recommend equities and exchange traded funds over other types of securities in order to reduce our costs. Certain other fees are not included in the wrap fee and are paid for separately by the client. These include, but are not limited to charges imposed directly by a mutual fund or exchange traded fund, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. The fee schedule is set forth below: Total Assets Under Management Annual Fees $25,000 - $250,000 2.50% $250,001 - $500,000 2.25% $500,001

- $1,000,000 2.00% $1,000,001 - $2,500,000 1.90% $2,500,001 - $3,500,000 1.80% $3,500,001 - $10,000,000 1.70% $10,000,001 – And Up 1.60% These fees are negotiable depending upon the needs of the client and complexity of the situation and the final fee schedule is attached as Exhibit II of the client contract. NIA uses the last day of previous quarter for purposes of determining the market value of the assets upon which the advisory fee is based. Advisory fees are withdrawn directly from the client’s accounts with client written authorization. Fees are paid quarterly in advance. Clients may terminate the contract without penalty, for full refund, within five business days of signing the contract. Thereafter, clients may terminate the contract with thirty days’ written notice. B. Contribution Cost Factors The program may cost the client more or less than purchasing such services separately. There are several factors that bear upon the relative cost of the program, including the trading activity in the client’s account, the adviser’s ability to aggregate trades, and the cost of the services if provided separately (which in turn depends on the prices and specific services offered by different providers). C. Additional Fees Clients who participate in the wrap fee program will not have to pay for transaction or trading fees. However, clients are still responsible for all other account fees, such as annual IRA fees to the custodian, transition fees if the account is moved to another broker, or mutual fund fees. D. Compensation of Client Participation Neither NIA, nor any representatives of NIA receive any additional compensation beyond advisory fees for the participation of client’s in the wrap fee program. However, compensation received may be more than what would have been received if client paid separately for investment advice, brokerage, and other services. Therefore, NIA may have a financial incentive to recommend the wrap fee program to clients.