Addington Financial Group LLC

Item 5 Fees and Compensation
All fees are subject to negotiation.

The specific manner in which fees are charged by Addington Financial Group is established in a
client's written agreement with Addington Financial Group. Addington Financial Group will generally bill
its fees on a quarterly basis. Clients are billed in arrears each calendar quarter. Clients may also elect
to be billed directly for fees or to authorize Addington Financial Group to directly debit fees from client
accounts. Management fees shall not be prorated for each capital contribution and withdrawal made
during the applicable calendar quarter (with the exception of de minimis contributions and
withdrawals). Accounts initiated or terminated during a calendar quarter will be charged a prorated fee.
Upon termination of any account, any prepaid, unearned fees will be promptly refunded, and any
earned, unpaid fees will be due and payable.

Addington Financial Group's fees are exclusive of brokerage commissions, transaction fees, and other
related costs and expenses which shall be incurred by the client. Clients may incur certain charges
imposed by custodians, brokers, third party investment and other third parties such as fees charged by
managers, custodial fees, 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.
Mutual funds and exchange traded funds also charge internal management fees, which are disclosed
in a fund's prospectus.
Such charges, fees and commissions are exclusive of and in addition to Addington Financial Group's
fee, and Addington Financial Group shall not receive any portion of these commissions, fees, and
costs.

Item 12 further describes the factors that Addington Financial Group considers in selecting or
recommending broker-dealers for client transactions and determining the reasonableness of their
compensation (e.g., commissions).

Termination of Contract
A Client may terminate an advisory agreement by giving 30 days written notice. There is no penalty for
early termination. If the termination occurs within five days of signing the advisory contract, a full refund
will be made of all amounts paid. If the termination occurs after this five-day period, any unearned
amounts will be prorated and refunded to the Client. If the Client terminates the advisory agreement
during a quarter, the Client will be charged a pro-rata portion of the advisory fee for the quarter up to
the date of termination.

General Information on Advisory Services and Fees
All fees paid to Addington Financial Group for Managed Account and Financial Planning Services are
separate and distinct from the fees and expenses charged by mutual funds to its shareholders. These
fees and expenses are described in each fund's prospectus. These fees will generally include a
management fee, other fund expenses, and a possible distribution fee.

The Client is under no obligation to act on the Firm's investment/financial recommendations. Moreover,
if the Client elects to act on any of the recommendations, the Client is under no obligation to effect the
transaction(s) through Addington Financial Group. The Client is free to select any brokerage firm or
insurance agency, or similar sales agency Client desires for implementation of the advice and
recommendations provided by the firm.

The fee charged is calculated as described above and is not charged on the basis of a share of capital
gains upon or capital appreciation of the funds or any portion of the funds of an advisory Client.

Although fees charged by Addington Financial Group are believed to be reasonable and competitive,

lower fees for comparable services might be obtained from other sources.

Addington Financial Group will never have custody of the Clients' assets because the services of an
outside, independent custodian are used.

Addington Financial Group does not represent, warranty or imply that the services or methods of
analysis used by the firm can or will predict future results, successfully identify market tops or bottoms,
or insulate Clients from losses due to market corrections or declines.

TYPES OF INVESTMENTS
Addington Financial Group offers advice on the following types of investments: equity securities,
corporate debt securities, certificates of deposit, municipal securities, investment company securities
(mutual funds), U.S. government securities, interests in partnerships investing in real estate, and any
other investment that the Firm deems appropriate in order to address the individualized needs, goals,
and objectives of the Client. You can find a detailed description of these investments and their risks in

Item 7 Types of Clients
Addington Financial Group provides portfolio management services to individuals, high net worth
individuals, Businesses, Corporations, and Charitable Organizations.