1. We will give you the benefit of our continuing study of economic conditions, securities markets and other economic issues. On the basis of these studies, we shall provide advice from time to time regarding the allocation of your assets, including the specific allocation of money market funds, stocks & bonds, CDs, municipal and government securities, mutual funds, unit investment trusts, annuities, and other appropriate investments.

2. We will, after consulting with you, recommend that you establish and maintain, in your name, accounts into which you shall deposit funds and/or securities, which shall be referred to as, managed assets.

3. You may at any time increase or decrease your managed assets. Your account(s) will, at all times, be held solely in your name and will require your authorization for withdrawal.

4. You will receive statements directly from your broker/dealers, mutual funds and other money managers, as appropriate. Investment Strategy Advisors doesn’t prepare regular client reports.

5. You agree to pay Investment Strategy Advisors Inc. 1% a year for managing your account(s). The fee will be based on the gross value of your accounts, and will be paid quarterly, at the beginning of each quarter. Clients may prefer to have our fee withdrawn from their account(s). This will only be permitted when the client authorizes the agreement in writing; the advisor sends the bill to the custodian; the bill shows the amount of the fee, how it was calculated and the value of the assets upon which the bill is based; and at least quarterly, the custodian notifies the client how much has been paid to the advisor.

6. On occasion, Investment Strategy Advisors Inc. may select and monitor other money managers (registered in your State) for you. When we do so you acknowledge that the other money managers pay us a portion of the fee you pay them- you do not pay us directly for this service.

7. You acknowledge that past performance of investments recommended by Investment Strategy Advisors Inc. should not be construed as an indication of future results, which will prove to be better or worse than past results. YOUR INVESTMENTS WILL GO UP OR DOWN, DEPENDING ON MARKET CONDITIONS. We make no promises, guarantees or warranties that any of our services will result in a profit to you. You may rely on information furnished by us to be reasonably accurate and reliable.  As part of this agreement you agree to review the monthly statements and the trade confirmations provided to you and to notify me as soon as possible if there are any errors or matters you believe are incorrect or require further explanation.

8. To the extent permitted by law, any controversy or claim arising out of or relating to this agreement, or the breach thereof, shall be settled by arbitration, in accordance with the commercial arbitration rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

9. This agreement may be modified upon such terms as may be mutually agreed upon in writing. This agreement is terminable by you within 5 business days, without penalty, from the date of acceptance. Any fees paid in advance are refundable on a prorated basis. Either party may terminate this agreement upon written notice. The agreement is not assignable by Investment Strategy Advisors Inc. without the advance written consent of the client.

10. If this agreement is established by you, the undersigned, in a fiduciary capacity, you hereby certify that you are legally empowered to enter in or perform this agreement in such a capacity. If this agreement is established by a corporation, the undersigned certifies that the agreement has been duly authorized, executed and delivered on behalf of such corporation and that the agreement is a validly certified copy of a resolution of the Board of Directors of the corporation to that effect and authorizing the appropriate officers of the corporation to act on its behalf in connection with this agreement.

11. This agreement shall be governed by the laws of New Jersey. This agreement contains all the understanding of the parties as to this agreement.

12. You certify that the social security number (or tax ID number) set forth is correct and that you are not subject to “backup withholding” under section 340(a)(1)(c) of the Internal Revenue Code or any successor provision.  Additionally your social security or tax ID number and any and all additional personal or financial information provided by you will be held in the strictest confidence and not be disclosed or shared with any person or organization without your prior consent.

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