WORLD CAPITAL ADVISORS, LLC

Quality Service

• To be treated in a fair, ethical and respectful manner in all interactions with WCA, our colleagues and affiliates.
• To receive competent and courteous service and advice at a fair price.
• To select your own Financial Representative.
• To move your account to a new Financial Representative or another firm entirely, whenever you wish, in a simple, efficient manner.

Full, Clear Reporting

• To clear, accurate, easily understood descriptions of all of your transactions, statements and other communications from WCA.
• To be informed clearly of all costs associated with your account and costs related to individual transactions, including commissions, sales charges and other fees.
• To accurate and timely regular statements of your account, including detailed transactional information.
• To be provided with clear descriptions of our policies and practices for protecting the privacy of non-public, personal information.

Responsible Investment Advice

• To be provided with responsible investment recommendations based on your personal objectives, time horizon, risk tolerance and other factors disclosed by you.
• To be apprised of important conflicts of interest identified in a financial relationship between the client and WCA or the Financial Representative.
• To expect that WCA will provide professional assistance to help you clarify your investment goals and risk tolerance.
• To be able to rely on our assistance in setting realistic expectations about the long-term performance and associated risks of various securities. WCA will present you with reasonable investment alternatives designed to meet those expectations and will disclose the comparative risks, benefits and costs.

Prompt, Fair Resolution of Problems

• To fair consideration and a prompt response from WCA if any problem with your account arises.
• To a clearly defined process for raising and resolving a complaint. WCA will provide you with full information about this process, particularly about how you can elevate an issue to the appropriate level of our management to gain satisfaction.
• To be apprised of alternatives if WCA is unable to resolve a dispute to your satisfaction.

Inform and Educate Yourself

• Read thoroughly all sales literature, prospectuses and/or other offering documents, when available, before making any investment.
• Consider carefully all investment risks, fees and/or other factors explained in these documents.
• Make certain that you understand the relationship not only between your investment objectives and the risks and returns on your particular investments, but also between your particular investments and your investment objectives. It is important to remember at all times that every investment has some degree of risk and that it is possible to lose money—some or all—on any investment.

Communicate with Your Financial representative

• Provide complete and accurate information about your financial status, investment goals and risk tolerance when seeking investment advice, so that WCA can provide you with appropriate recommendations.
• Seek out information you need or want from your Financial Representative by proactively asking questions you have about your account, a specific transaction, risk exposures, potential conflicts of interest and commissions, sales charges and other fees.
• Notify your Financial Representative promptly whenever there is a significant change in your investment objectives, risk tolerance, income, net worth or liquidity needs.
• Review your portfolio holdings on a regular basis and whenever your financial circumstances change. You may want to make appropriate changes based on your investments’ performance and your current objectives.
• If you have any holdings in mutual funds, inform your Financial Representative about similar mutual fund holdings you have at other firms or directly with the mutual funds, so that WCA can ensure that you receive any applicable “breakpoint” discount.

Keep Your Accounts Current

• Have cash or available margin-buying power in your investment account, or transfer funds into that account, to ensure payment for securities purchases by the settlement date. If you are paying by check or funds transfer, you should always make payments directly to WCA or its clearing firm, Pershing LLC.
• Review all transaction confirmations and account statements or reports carefully and promptly. You should report any errors or questions immediately to your Financial Representative or the Branch Office Manager.

Use the Right Third-Party Resources – Carefully

• Consult an attorney or tax adviser for specific tax or legal advice.
• Keep in mind that you are fully responsible for your investment decisions, when using automated channels (Internet or telephone) for your trading needs.
• Consider carefully the validity and reliability of investment information obtained from all sources, especially unsolicited information obtained over the Internet.