de Groote Financial Group LLC

Item 5: Fees & Compensation
    De Groote Financial offers its services on a fee basis, which may include fixed fees and hourly fees, as
    well as fees based upon assets under management or advisement.

     Compensation for Our Advisory Services

    Investment Management and Wealth Management Fees:

    De Groote Financial provides investment management services for an annual fee based on the
    amount of assets under the Firm’s management or for a flat fee. The specific billing arrangement and
    payment frequency will be disclosed in the signed Agreement. Flat fees will not exceed $500,000. The
    annual fee generally varies between 85 and 150 basis points (0.85% – 1.50%) in accordance with the
    following blended fee schedule:
                        Assets Under Management         Annual Percentage of Assets Charge
                              Up to $499,999                         1.50%
                           $500,000 to $999,999                      1.25%
                          $1,000,000 - $2,000,000                    1.00%
                              Over $2,000,000                        0.85%

    Clients participating in the Firm’s Core Conservative, Core Balanced, and Core Growth portfolios are
    generally charged 25 basis points (0.25%) in addition to the blended fee schedule above. For all
    assets, the annual fee is prorated and charged quarterly in advance, based upon the market value of
    the assets being managed by De Groote Financial on the last day of the previous billing period.
    Alternative investments are also charged in accordance with the blended fee schedule above. De
    Groote Financial bills on cash unless indicated otherwise in writing.

    If assets in excess of $10,000 of the existing portfolio value are deposited into or withdrawn from an
    account after the inception of a billing period, the fee payable with respect to such assets is adjusted

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    to reflect the change in portfolio value. For the initial term of an engagement, the fee is calculated on
    a pro rata basis. In the event the Agreement is terminated, the fee for the final billing period is
    prorated through the effective date of the termination and the unearned portion is refunded to the
    client, as appropriate.

    As discussed in Item 4, De Groote Financial uses Dynasty’s TAMP services. TAMP related charges are
    not included in the investment management fee you pay to De Groote Financial. You will be charged,
    separate from and in addition to your investment management fee, any applicable Platform Fees as
    well as applicable independent manager fees. De Groote Financial does not receive any portion of the
    fees paid directly to the service providers made available through Dynasty’s platform, including the
    independent managers.

     Each of the Platform Fee and independent manager fees are determined by the particular program(s)
     and manager(s) with which your assets are invested, and are calculated based upon a percentage of
     your assets under management, as applicable. The Platform Fee generally ranges from 0 - .45%
     annually, independent fixed income manager fees generally range from 0 - .90% annually, and
     independent equity manager fees generally range from 0 – 1.50% annually.

     The specific fees charged by each party will be detailed in the signed Agreement or other written
     disclosure. You will note the total fee reflected on your custodial statement will represent the sum of
     De Groote Financial’s investment management fee, Platform Fee(s) and independent manager fee(s),
     accordingly. You should review such statements to determine the total amount of fees associated with
     your requisite investments, and you should review your investment management agreement with De
     Groote Financial to determine the investment management fee you pay to us.

     If a third-party money manager is used to manage your account, there are some third-party
     managers that charge their management fees using average daily balance. The TAMP will
     calculate these third-party money manager fees as described above, quarterly in advance.
     Because these two methodologies differ, a reconciliation is necessary at the end of the quarter
     to ensure accurate billing. This true-up billing, which can be a credit or debit, reflects the
     difference between the quarterly in advance fee (TAMP) and the actual fee based on average
     daily balances (Third-party manager).

     Fee Debit:

     Clients generally provide De Groote Financial with the authority to directly debit their accounts for
     payment of the Firm’s investment advisory fees. The Financial Institutions that act as qualified
     custodian for client accounts have agreed to send statements to clients not less than quarterly
     detailing all account transactions, including any amounts paid to De Groote Financial. Alternatively,
     clients can elect to have De Groote Financial send them an invoice for direct payment.

     Fee Discretion:

     De Groote Financial, in its sole discretion, may negotiate to charge a lesser fee based upon certain
     criteria, such as anticipated future earning capacity, anticipated future additional assets, dollar
     amount of assets to be managed, related accounts, account composition, pre-existing client
     relationship, account retention and pro bono activities.

     Account Additions and Withdrawals:

     Clients may make additions to and withdrawals from their account at any time, subject to De Groote
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    Financial’s right to terminate an account. Additions may be in cash or securities provided that the
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Item 7: Types of Clients & Account Requirements

    De Groote Financial provides its services to individuals, investment companies, pension and profit
    sharing plans, trusts, estates, charitable organizations, corporations and other business entities.

    No Minimum Account Requirements:

    De Groote Financial does not impose a stated minimum fee or minimum portfolio value for starting
    and maintaining an investment management relationship. Certain Independent Managers may,
    however, impose more restrictive account requirements and varying billing practices than De Groote
    Financial. In these instances, De Groote Financial may alter its corresponding account requirements
    and/or billing practices to accommodate those of the Independent Managers.