Crescent Sterling Ltd

Item 5       Fees and Compensation

Crescent Sterling, Ltd. is a fee only adviser. Fees to be charged by Crescent
Sterling, Ltd. are established in a client’s Investment Advisory Agreement with
Crescent Sterling, Ltd. Investment supervisory services fees are calculated
according to a percentage of the market value of assets under supervision, on an
hourly basis, or a combination of the two methods utilizing the schedule below. All
fees are subject to negotiation given the unique circumstances of the account.

                                        3                           Form ADV Part 2A
                                                                    20260331

Investment Management

Equity Only Account                          Annual (Quarterly)

For the first $1,000,000                     1.00% (0.2500%)

For the next $4,000,000                      0.75% (0.1875%)

Above $5,000,000                             0.50% (0.1250%)

Balanced Account                             Annual (Quarterly)

For the first $1,000,000                     0.90% (0.2250%)

For the next $4,000,000                      0.70% (0.1750%)

Above $5,000,000                             0.50% (0.1250%)

Fixed Only Account                           Annual (Quarterly)

For the first $1,000,000                     0.65% (0.1625%)

For the next $4,000,000                      0.55% (0.1375%)

Above $5,000,000                             0.45% (0.1125%)

Exchanged Traded/
                                             Annual (Quarterly)
Mutual Fund Account
All amounts                                  0.50% (0.1250%)

Cash Management                                Fees Negotiable

Financial Planning & Consulting                $65 - $325 per hour

Fees are normally billed quarterly based on the market value of the supervised
assets at the end of the prior quarter using the appropriate fee schedules above for
the objectives of the account. In the case of a client with multiple accounts, the
account values may be aggregated to determine the appropriate billing percentage
for each account. Clients are sent an invoice that itemizes their fees and its
calculation. Clients may authorize Crescent Sterling, Ltd. to directly debit their fees
from their account or may elect to pay their fees directly. Management fees are not
prorated for each capital contribution and withdrawal made during a calendar
quarter.

Clients’ fees are payable quarterly on the first day of the third month of the quarter
for fees earned during the quarter. Invoices for the quarterly fees earned are

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                                                                   20260331

submitted to clients by the fifteenth day of the second month of the quarter.
Accounts initiated or terminated during a calendar quarter will usually be charged a
prorated fee for the period of time the account was actually supervised. Upon
termination of any account, any prepaid, unearned fees will be promptly refunded,
and any earned, unpaid fees are due and payable. Crescent Sterling, Ltd. usually
does not charge a termination or exit fee.

Crescent Sterling, Ltd.’s fees are exclusive of brokerage commissions, transaction
fees, and other related costs and expenses that may be charged to the client.
These other fees, commission or expenses imposed by custodians, brokers, third-
party investment advisors or other third parties may be by example, 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 Crescent
Sterling, Ltd.’s fee. Crescent Sterling, Ltd. does not receive any portion of these
commissions, fees, or costs. These fees or expenses are usually dependent on the
brokerage firm or custodian selected or securities owned.

Item 12 further describes several factors that Crescent Sterling, Ltd. considers in
recommending broker-dealers for client transactions and determining the
reasonableness of the broker’s compensation (e.g., commissions, fees, or charges).

Item 7        Types of Clients

Crescent Sterling, Ltd. provides portfolio management services and financial
consulting to individuals, corporations, retirement plans, foundations and trusts.

Generally, the minimum amount for starting and maintaining an account is
$250,000. However, Crescent Sterling, Ltd. reserves the right to waive the account
minimum as it deems appropriate.