CGC Financial Services LLC

Item 5 – Fees and Compensation

A    In consideration for our services, Clients pay us a fee quarterly in advance, with payment due
     within 10 days from the date of the invoice. The quarterly fee will be equal to the agreed upon
     rate per annum, multiplied by the market value of assets in the account on the last business day
     of the previous quarter, then multiplied by 25 percent. The market value will be construed to
     equal the sum of the values of all assets in the account, not adjusted by any margin debit.

     Compensation to us for our services will be calculated in accordance with fees set-forth in
     “Schedule A” of the Investment Advisory Agreement, which is entered into with each Client
     when we begin our professional relationship.

     STANDARD ADVISORY FEE SCHEDULE

                                              Schedule A

                  Assets Under Management                   Maximum Fee

                  $ 0 – $249,999                                 1.15%
                  $ 250,000 – $499,999                           1.00%
                  $ 500,000 – $999,999                            .95%
                  $1,000,000 – $1,999,999                         .90%
                  $2,000,000 – $4,999,999                         .80%
                  $5,000,000 – $9,999,999                         .60%
                  $10,000,000 – $24,999,999                       .55%
                  $25,000,000 and over                            .35%

     Our fees are generally not negotiable.

B    Fees are debited directly from the Client’s account by the custodian upon submission of an
     invoice to the custodian indicating the account number and amount of fees to be paid. The
     Advisor also sends fee invoices to investment management clients at the beginning of each
     quarter. Clients should carefully compare their fee invoices against the account statements
     received from the custodian to verify that the fee is correctly calculated based on assets reported
     in the custodial statement. Payment of fees may result in the liquidation of Client’s securities if
     there is insufficient cash in the account.

                                  CGC FINANCIAL SERVICES, LLC
                                  Part 2A of Form ADV – Firm Brochure

C     In addition to CGC’s annual management fee, investment management clients may also have
      to pay other costs that unaffiliated third parties charge for their services. These costs include
      but are not limited to custodial fees; brokerage commissions; transaction fees; charges imposed
      directly by a mutual fund, index fund, or exchange traded fund (“ETF”)”; wire transfer fees;
      and other fees and taxes on brokerage accounts and securities transactions. CGC does not share
      in any portion of the brokerage fees/transaction charges imposed by the unaffiliated third party.
      However, in their capacities as registered representatives of Osaic Wealth, Inc., CGC advisory
      representatives may receive transaction-based compensation.

D     Clients have the right to terminate an Investment Advisory Agreement (“IAA without penalty
      within five business days after entering into the contract. The IAA may otherwise be terminated
      at any time by either party by providing 30 days prior written notice to the other party as set forth
      in the agreements. The market value will be construed to equal the sum of the values of all assets
      in the account, not adjusted by any margin debit. All custodial termination and transfer fees, if
      any, assessed by Custodian will be the responsibility of the Client. In the event of termination,
      any fees paid in advance which remain unearned will be refunded to the Client. Any fees which
      have been earned by CGC but not yet paid by Client will be immediately due and payable to us.

E     Some CGC Investment Advisory Representatives are also registered representatives with Osaic
      Wealth, Inc. (BD) and may receive compensation based on transactions through Osaic Wealth,
      Inc. Certain Investment Advisory Representatives of CGC are also licensed to sell insurance.
      Insurance related business is transacted with advisory clients, and individuals may receive
      commissions from products sold to clients. Clients are instructed that the fees paid to CGC for
      investment advisory services are separate and distinct from the commissions earned by any
      individual for selling a client an insurance product.

      The receipt of commissions by any individuals associated with the firm presents a conflict of
      interest. As fiduciaries we must act primarily for the benefit of investment advisory clients. As
      such, we will only transact insurance services with clients when fully disclosed, suitable, and
      appropriate. Further, we must determine in good faith that any commissions paid to us are
      appropriate. Clients are informed that they are under no obligation to use any individual
      associated with CGC for insurance or brokerage services. Clients may use any insurance
      brokerage firm, agent, or broker-dealer they choose.

Item 7 – Types of Clients

       We provide investment advice to the following types of Clients:

            Individuals
            Pension and Profit-Sharing Plans
            Trusts, Estates or Charitable Organizations
            Corporations and other Business Entities

                                  CGC FINANCIAL SERVICES, LLC
                                  Part 2A of Form ADV – Firm Brochure

     The minimum account size is generally $750,000. CGC, at its sole discretion, may accept clients
     with smaller accounts based on criteria such as the client’s potential to increase future earnings
     and/or assets, the composition of the client’s portfolio, if the client has any related accounts,
     and if the client and the Advisor have a pre-existing relationship.

      If an account falls below the $750,000 minimum after it was opened, CGC may terminate the
      account at its sole discretion.