Compass Financial Group Inc

Item 5 Fees and Compensation
Compass Financial Group, Inc.'s (CFG) wealth management fees will be determined at the onset of the
relationship and will depend on the advisory services needed by the client. The specific manner in
which fees are charged by CFG is established in advance in a written agreement between the client
and CFG. Generally, the fees charged by CFG for wealth management services are outlined
below.

Portfolio Management Services
The annual fee for portfolio management services is billed quarterly in advance based on the market
value of the assets on the last day of the preceding quarter. The billing for each quarterly period may
be adjusted for additional contributions made within that period. Fees will be assessed pro rata in the
event the portfolio management agreement is executed at any time other than the first day of a
calendar quarter. No refunds will be made for a partial account withdrawal during a quarter. On an
annualized basis, CFG's fee for portfolio management services is based on the following tiered fee
schedule:

Assets Under Management                                                      Annualized Fee*
On assets $300,000, and up to $1 million                                         1.10%
Plus, on assets over $1 million, and up to $2 million                            0.85%
Plus, on assets over $2 million, and up to $3 million                            0.75%
Plus, on assets over $3 million, and up to $6 million                            0.65%
Plus, on assets over $6 million, and up to $9 million                            0.55%
Plus, on assets over $9 million                                                  0.35%

For accounts less than $300,000, the fee will be between 1.25 and 1.75 percent, which will be
determined on a case-by-case basis.

For client investment advisory accounts, CFG provides advisory services on a fee basis. Individuals
associated with CFG will not earn commissions as a result of any transactions in client accounts.

* Under certain situations, CFG's fees are subject to increase or decrease as circumstances warrant,
such as more frequent reviews, extraordinary research requirements, or other types of additional
services or as negotiated with client. Existing clients may pay higher or lower rates than those set forth
in the fee schedule referenced above.

In CFG's discretion, the firm may allow business owners to aggregate business and personal accounts,
or the firm may allow accounts of immediate family members to be aggregated for the purposes of
determining the advisory fee. CFG may allow such aggregation, for example, where CFG services
accounts on behalf of minor children of current clients, individual and joint accounts for a spouse, and
other types of related accounts. This consolidation practice is designed to allow client(s) the benefit of
an increased asset total, which could potentially cause the account(s) to be assessed a reduced
advisory fee based on the breakpoints available in CFG's fee schedule as stated above.

At the inception of the advisory relationship, CFG may charge clients a $1,000 to $3,000 set up fee for
consulting services and the preparation of an investment policy statement. CFG may waive or credit
back start-up expenses in its discretion. CFG will never require prepayment of a fee more than six
months in advance and in excess of $1,200.

Payment of the fees will be made by the qualified custodian holding the client's funds and securities
provided the client gives written authorization permitting the fees to be paid directly from their account.
CFG will not have access to client funds for payment of fees without client consent in writing. Further,
the qualified custodian agrees to deliver a quarterly account statement directly to the client. The client
is encouraged to review their account statements for accuracy. CFG will receive a duplicate copy of
the statement that was delivered to the client.

You may terminate the portfolio management agreement upon 30 days' written notice to our firm. You
will incur a pro rata charge for services rendered prior to the termination of the portfolio management
agreement, which means you will incur advisory fees only in proportion to the number of days in the
quarter for which you are a client. If you have pre-paid advisory fees that we have not yet earned, you
will receive a prorated refund of those fees.

Clients that have retained CFG for portfolio management services may also request other wealth
management services over time, including but not limited to income and estate tax planning, cash flow
planning, risk assessments, education and retirement planning. In CFG's discretion, the firm may
provide such additional wealth management services at no additional charge.

Financial Planning Services
CFG utilizes the following financial planning fee schedule:

Minimum Fee:                                                    $2,500

Assets in excess of $500,0000 or
                                                                $3,500
Income in excess of $150,000:

Assets in excess of $750,000 or
                                                                $4,500
Income in excess of $175,000:

Assets in excess of $1,000,000 or
Income in excess of $200,000 or                                 $5,500
One closely held business:

Assets in excess of $1,500,000 or
Income in excess of $250,000 or                                 $6,500
Two closely held business:

Assets in excess of $2,000,000 or
Income in excess of $300,000 or                                $8,500
Two closely held business:

For clients with assets in excess of $2,500,000 or income in excess of $400,000, fees will be
determined on an individual basis. Fees will be communicated to the client for approval with a
maximum fee of $200,000. If client circumstances are unique, fees may be reduced or increased.
These adjustments will be made during the initial consultation and communicated to the client for
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Item 7 Types of Clients
Compass Financial Group, Inc. (CFG) offers wealth management services including investment
advisory, financial planning, and family office services to individuals, pension and profit-sharing plans,
trusts, estates, charitable organizations, corporations, and other business entities.

Account Minimums
In general, we require a minimum of $1,000,000 to open and maintain an advisory account. Our wealth
management services are offered to individuals with a net worth above $1,500,000 or annual gross
household income above $200,000. At our discretion and on an individual basis, we may waive the
minimum account size and/or the net worth and household income requirements. For example, we

may waive the minimum if you appear to have significant potential for increasing your assets under our
management. We may also combine account values for you and your minor children, joint accounts
with your spouse, and other types of related accounts to meet the stated minimum.

With respect to portfolio management services, for accounts less than $300,000, the fee will be
between 1.25 and 1.75 percent, which will also be determined on a case-by-case basis.

With respect to financial planning and family office services, fees will be determined on an individual
basis for clients with assets in excess of $2,500,000 or income in excess of $400,000. Fees for
financial planning, family office services, or specific purpose engagements will be communicated to the
client for approval prior to commencement of the engagement. CFG has a maximum fee of $200,000
and a minimum fee of $2,500 for financial planning and family office services.