CMC Financial Group LLC

Fees and Compensation

   A. Fee Schedule

       Portfolio Management Fees

          Total Account Value                          Maximum Annual Advisory Fee
               All Assets                                             2.00%

       The advisory fee is calculated using the value of the assets in the Account on the last
       business day of the prior billing period.

       These fees are generally negotiable, and the final fee schedule will be memorialized in the
       client’s advisory agreement. Clients may terminate the agreement without penalty for a full
       refund of CMCFG's fees within five business days of signing the Investment Advisory
       Contract. Thereafter, clients may terminate the Investment Advisory Contract generally
       with 7 days' written notice.

       Selection of Other Advisers Fees

       CMCFG may recommend clients to third-party investment advisers. The fees are generally
       negotiable and will be stated in each Agreement signed by the Client. The notice of
       termination requirement and payment of fees for third-party investment advisers will
       depend on the specific third-party adviser selected.

       Financial Planning Fees

       Fixed Fees

       The negotiated fixed rate for creating client financial plans is between $250 and $10,000,
       depending on the scope and complexity of the requested services.

       Clients may terminate the agreement without penalty for a full refund of CMCFG's fees
       within five business days of signing the Investment Advisory Contract. Thereafter, clients
       may terminate the Investment Advisory Contract generally with 7 days' written notice.

       Retirement Plan Consulting Fees

       CMCFG charges a maximum of 0.60% annually based on the amount of assets in the
       Plan.

B. Payment of Fees

       Payment of Portfolio Management Fees

       Asset-based portfolio management fees are withdrawn directly from the client's accounts
       with client's written authorization on a quarterly basis. Fees are paid in advance.

       Payment of Selection of Other Advisers Fees

       The timing, frequency, and method of paying fees for selection of third-party managers
       will depend on the specific third-party adviser selected and will be disclosed to the client
       prior to entering into a relationship with the third-party advisor.

       Payment of Financial Planning Fees

       Financial planning fees are paid via check.

       Fixed financial planning fees are paid 50% in advance, but never more than six months in
       advance, with the remainder due upon presentation of the plan and/or completion of the
       project.

       Payment of Retirement Plan Consulting Fees

       The Plan sponsor compensates CMCFG directly on a quarterly basis.

C. Client Responsibility for Third Party Fees

       In addition to advisory fees paid to CMCFG as explained above, clients may pay custodial
       service, account maintenance, transaction, and other fees associated with maintaining the
       account. Some of these fees may be included in Wrap Fee Program accounts as described
       above in Item 4 – Advisory Services. These fees vary by broker and/or custodian. Clients
       should ask CMCFG for details on transaction fees or other custodial fees specific to their
       account, as these fees are not included in the annual advisory fee. CMCFG does not share
       any portion of such fees. Additionally, for any mutual funds purchased, the client may pay
       their proportionate share of the funds’ distribution, internal management, investment
       advisory and administrative fees. Such fees are not shared with CMCFG and are
       compensation to the fund manager. Clients are urged to read the mutual fund prospectus
       prior to investing.

       Mutual fund companies impose internal fees and expenses on clients. These fees are in
       addition to the costs associated with the investment advisory services as described above.
       Complete details of such internal expenses are specified and disclosed in each mutual fund
       company’s prospectus. Clients are strongly advised to review the prospectus(es) prior to
       investing in such securities.

       Mutual funds purchased or sold in broker-dealer accounts may generate transaction fees
       that would not exist if the purchase or sale were made directly with the mutual fund
       company. Mutual funds held in broker-dealer accounts also charge management fees.
       These mutual fund management fees may be more or less than the mutual fund
       management fees charged if the client held the mutual fund directly with the mutual fund
       company.

D. Prepayment of Fees

       CMCFG collects fees quarterly in advance. Refunds for fees paid in advance but not yet
       earned will be refunded on a prorated basis and returned within fourteen days to the client
       via check, or return deposit back into the client’s account.

       For all asset-based fees paid in advance, the fee refunded will be equal to the balance of
       the fees collected in advance minus the daily rate* times the number of days elapsed in the
       billing period up to and including the day of termination. (*The daily rate is calculated by
       dividing the annual asset-based fee rate by 365.)

       Fixed fees that are collected in advance will be refunded based on the prorated amount of
       work completed at the point of termination.

E. Outside Compensation for the Sale of Securities to Clients

       Neither CMCFG nor its supervised persons accept any compensation for the sale of
       securities, including asset-based sales charges or service fees from the sale of mutual funds.

Form ADV, Part 2A, Item 6

         Performance-Based Fees and Side-By-Side Management

CMCFG does not accept performance-based fees or other fees based on a share of capital gains on
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Types of Clients

CMCFG generally provides advisory services to the following types of clients:

       ❖      Individuals
       ❖      High-Net-Worth Individuals
       ❖      Pension and Profit Sharing Plans
       ❖      Corporations or Business Entities

There is no account minimum for any of CMCFG’s services.

Form ADV, Part 2A, Item 8

      Methods of Analysis, Investment Strategies, and Risk of Loss

A. Methods of Analysis and Investment Strategies