Agnello Financial Group Inc

Item 5 - FEES AND COMPENSATION

Investment Advisory Services
The annual Investment Advisory Services Agreement fee is based on a percentage of the investable
assets according to the following schedule:
               1.25% - on the first $ 250,000;
               1.00% - on the next $ 750,000 (from 250,001 to 1,000,000); and
               0.75% - on the assets above $ 1,000,000

Fees are negotiable. Fees are determined based on each account's size. Therefore, if you have multiple
accounts, you will pay a fee-based on each account's value. AFG aggregates accounts together to
determine the fee. We allow Advisory Representatives servicing the account to negotiate the exact
investment advisory fees within the range disclosed in our Form ADV Part 2A Brochure. As a result,
the Advisory Representative servicing your account may charge more or less for the same service than
another Advisory Representative of our firm. Further, our annual investment advisory fee may be
higher than that charged by other investment advisers offering similar services/programs.

AFG may change the above fee schedule upon 30-days prior written notice to you.

Advisory fees will be collected directly from a designated account, provided you have given AFG
written authorization. You will be provided with an account statement reflecting the deduction of the
advisory fee directly from the account custodian. If the account does not contain sufficient funds to
pay advisory fees, AFG has limited authority to sell or redeem securities in sufficient amounts to pay
advisory fees. You may reimburse the account for advisory fees paid to AFG, except for ERISA and
IRA accounts.

Advisory fees will be charged in arrears for each calendar quarter. The quarterly advisory fee will be
based on the value of the account on the last business day of the just-completed quarterly period. The
firm treats cash and cash equivalents as an asset class. Accordingly, unless otherwise agreed in writing,
all cash and cash equivalent positions (e.g., money market funds, etc.) are included as part of assets
under management for purposes of calculating the firm’s advisory fee. At any specific point in time,
depending upon perceived or anticipated market conditions/events (there being no guarantee that such
anticipated market conditions/events will occur), the firm may maintain cash and/or cash equivalent
positions for defensive, liquidity, or other purposes. While assets are maintained in cash or cash
equivalents, such amounts could miss market advances and, depending upon current yields, at any
point in time, the firm’s advisory fee could exceed the interest paid by the client’s cash or cash

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                                    Agnello Financial Group, Inc.

equivalent positions. Fees for partial periods will be prorated. The initial quarterly fee will be a pro-
rated portion of the fee, based on the number of days in the quarterly period.

Some clients may establish margin accounts with the custodian. Although we do not routinely
recommend that clients utilize margin, we would assist clients in establishing margin accounts upon
request. However, before doing so, clients should note that unless otherwise agreed upon in writing,
the gross amount of assets in the client’s account, including any margin balances, would be included
in the total value of assets under management for purposes of calculating our firm’s advisory fees.
This practice inherently creates a conflict of interest as it increases the total value of assets under
management used to calculate advisory fees, thereby increasing the amount of fees collected by our
firm. Clients are encouraged to consider this when determining whether to establish a margin account.
At all times, the firm and its Advisory Representatives strive to uphold their fiduciary duties of fair
dealing with clients.

Non-Wrap Program: In addition to the advisory fees above, you will pay transaction fees for securities
transactions executed in your account in accordance with the custodian’s transaction fee schedule.

Advisor Managed Portfolio Programs: Additionally, you will pay fees for custodial services, account
maintenance fees, transaction fees, and other fees associated with maintaining the account. Such fees
are not charged by AFG and are charged by the product, broker-dealer, or account custodian. AFG
does not share in any portion of such fees. Please refer to Item 12 regarding our brokerage practices.
Additionally, you will pay your proportionate share of the fund’s management and administrative fees
and sales charges, as well as the mutual fund adviser’s fee for any mutual fund they purchase. Such
advisory fees are not shared with AFG and are compensation to the fund manager. Mutual funds offer
different share classes with different internal costs. You should read the mutual fund prospectus prior
to investing.

The firm has a fiduciary duty to provide services consistent with the client’s best interest. As part of
its investment advisory services, the firm will review client portfolios on an ongoing basis to determine
if any changes are necessary based upon various factors, including but not limited to investment
performance, fund manager tenure, style drift, account additions/withdrawals, the client’s financial
circumstances, and changes in the client’s investment objectives. Based upon these and other factors,
there may be extended periods of time when the firm determines that changes to a client’s portfolio
are neither necessary nor prudent. Notwithstanding, unless otherwise agreed in writing, the firm’s
annual investment advisory fee will continue to apply during these periods, and there can be no
assurance that investment decisions made by the firm will be profitable or equal any specific
performance level(s).

Investment Advisory Termination Provisions
You may terminate investment advisory services obtained from AFG at any time upon written notice.
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Item 7 - TYPES OF CLIENTS

AFG generally provides investment advice to individuals, pension and profit-sharing plans, trusts,
estates, charitable organizations, corporations, or business entities. Client relationships vary in scope
and length of service.

AFG generally requires a minimum amount of assets be deposited into an account for the purpose of
obtaining asset management services. AFG will generally require you to deposit a minimum of
$500,000 (cash or securities). However, under certain circumstances, AFG from time to time waives
the minimum account size requirement and accepts accounts less than $500,000. Such circumstances
include, but are not limited to, additional assets to be deposited or additional accounts under
management with AFG.