Investment Management Services V Wealth provides ongoing discretionary portfolio management services to individuals, families and businesses. Management services are tailored to the individual needs of a particular client (whether an individual, a family, or a business) through an assessment conducted prior to an engagement. Types of investments used may include, but are not limited to: equities (stocks), warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities (variable life insurance, variable annuities, and mutual funds shares), U.S. government securities, options contracts, futures contracts, and interests in partnerships. Clients may impose restrictions related to the level of discretion granted, the types of investments used, etc. Terms of an actual engagement, including description of service, limitations and restrictions, fees, etc., are all detailed before any engagement begins in a written client agreement. The firm provides investment management services both directly and indirectly using third party managers. When providing discretionary portfolio management services directly, the firm not only makes decisions related to investments, but also implements these decisions and provides ongoing monitoring, rebalancing and reporting. In some cases, however, clients are referred to third party managers who not only make and implement investment decisions, but also provide ongoing monitoring, rebalancing and reporting. The particular third-party management program used depends upon the client’s specific objectives, risk tolerances, net worth, net income, age, time horizon, tax situation and other suitability factors, which are assessed before a recommendation is made. When third party managers are used, V Wealth provides either periodic or continuous general oversight of the manager, and may also assist in collection of financial data from the client, assessing various programs, establishing investment objectives, opening accounts, etc. V Wealth utilizes a number of factors in determining which third party managers to refer clients to including but not limited to performance, investment objectives, fees and methods of analysis. V Wealth may however have certain financial incentives to refer clients to certain third-party managers. Information about the third-party manager, their services, fees, payment terms, minimums, outside costs, etc. may be found in the third-party manager’s Disclosure Brochure. Clients may be required to sign investment advisory agreements with the third-party manager of the program selected. Investment Management Fees V Wealth bases its investment management fees on a percentage of assets undermanagement, and the fee is negotiated on a case-by-case basis, not to exceed 2.50% annually. V Wealth typically charges its fee quarterly in advance based on the total value of the client’s account at the end of the previous quarter. (Fees are assessed on all assets under management

including securities, cash and money market balances. Margin debit balances do not reduce the value of assets under management.) Alternatively, in some circumstances, fees may be charged in arrears, based on market values of the assets as of the last business day of the preceding calendar quarter. V Wealth fees will be assessed pro rata in the event the portfolio management agreement is executed at any time other than the first day of a calendar quarter. V Wealth’s management fees will generally be deducted by the qualified custodian holding the applicable account, provided that the client supplies written authorization permitting the fees to be paid directly from the account. If V Wealth is unable to deduct fees, client will be invoiced directly, and such invoices are due upon receipt. If a third-party investment manager is used, the client will be charged an additional annualized charge of 0.15% - 1.25% for the third-party manager. The third-party manager fee may be negotiable and is in addition to the V Wealth management fee. Some third-party managers may pay a portion of its fee (i.e., 0.10% to 0.20%) to V Wealth in the form of a supervisory fee. Third party management fees will be due subject to the terms of the applicable third-party manager agreement. Information about third party managers, their services, fees, payment terms, minimums, outside costs, etc. may be found in the applicable third party manager’s Disclosure Brochure. V Wealth and third-party managers may be comingled or separated for billing purposes, but either way, all V Wealth and third-party management fees will be disclosed to client in advance and will be documented as applicable. The client or the investment manager may terminate an Agreement by notice to the other party. Upon termination, fees will be calculated on a pro rata basis for the portion of the quarter completed, and any unearned prepaid fees will be refunded. Under the V Wealth Advisors Wrap Fee Program, V Wealth will pay commissions and transaction charges related to the portion of the account not managed by Third Party Managers. Clients are responsible for any other expenses or fees (e.g., management fees, fund expenses, markups and markdowns, spreads, wire transfer fees, taxes, fees for trades executed away from the custodian, etc.), if any, associated with the account, such as those charged by any, custodian, mutual fund, index fund, exchange traded fund, product provider, third party manager, or other outside party. V Wealth can generally access additional information about these types of costs and expenses and will provide such information upon request. Clients may receive comparable services from other broker-dealers or investment advisers and pay fees that are higher or lower than those charged under our wrap fee program. Fees may be more or less than the client would have paid if the services (account management, custody and brokerage transactions) were purchased separately outside of the wrap program.