Delta Advisory Group Inc

Item 5        Fees and Compensation

Portfolio Management Fees

DAG’s annual fees for Portfolio Management are based upon a percentage of assets
under management up to 2.95%.

The fees are billed quarterly or semiannually, in advance, at the beginning of each
calendar period based upon the value (market value or fair market value in the absence
of market value), of the client’s account(s) at the end of the previous period. For some
Clients, the value of fees to be paid six months or more, in advance, may exceed $500.

For most Clients, fees will be debited from the account in accordance with the client
authorization in the Client Services Agreement; however, under certain circumstances
and at DAG’s discretion, the Client has the option of being billed for advisory fees.

Though the fees charged by DAG are generally considered to be reasonable, Clients
could find the same or similar services offered by other investment advisors who charge
fees that are lower than the fees charged by DAG.

Limited Negotiability of Advisory Fees

DAG retains the discretion to negotiate alternative fees on a client-by-client basis. Client’s
facts, circumstances, and needs are considered in determining the fee schedule,
including but not limited to, the complexity of the client’s situation, assets to be placed
under management, anticipated future business, related accounts, portfolio style, account
composition, among other factors. The specific annual fee schedule is identified in the
investment advisory agreement between DAG and the Client.

DAG may group certain related Client accounts for the purposes of achieving the
minimum account size requirements and determining annualized fee.

Discounts, not generally available to our advisory clients, may be offered to family
members and friends of associated persons.

Financial Planning and Consulting Fees

DAG’s financial planning fee is determined based on the nature of the services being
provided and the complexity of each client’s circumstances. All fees are agreed upon prior
to entering into a contract with any client.

Financial planning fees are calculated and charged on an hourly basis, ranging from $195
to $295 per hour. Although the length of time it takes to provide a financial plan depends
on each client’s personal situation, DAG will provide an estimate for the total hours at the
start of the advisory relationship.

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The fee for this service is separated into two payments: 50% of the estimated planning
hours are due upon entering into the agreement for financial planning services and the
balance, based on actual hours of service accrued, is due upon delivery of the completed
financial plan.

Newsletters

Newsletters are sent to all Clients, free of charge, on a quarterly basis.

General Information

Mutual Fund Fees

All fees paid to DAG for investment advisory services are separate and distinct from the
fees and expenses charged by mutual funds and/or exchange traded funds. These fees
and expenses are described in each fund’s prospectus. These fees will generally include
a management fee, other fund expenses, and a possible distribution fee. If the fund also
imposes sales charges, a client may pay an initial or deferred sales charge. Accordingly,
the Client should review both the fees charged by the funds and our fees to fully
understand the total amount of fees to be paid by the Client and to thereby evaluate the
advisory services

Termination of the Advisory Relationship

A client agreement can be cancelled at any time with written notice of cancellation and
will become effective ninety days following receipt of written notice by DAG. Client is
entitled to a refund of any unearned portion of the management fee. For Clients who are
residents of California, Maryland, Massachusetts, and Pennsylvania, the termination
notifications will become effective thirty days following receipt by DAG.

Clients will receive a copy of Form ADV Part 2A prior to entering into an advisory
agreement. For Clients who are residents of Pennsylvania, if a copy of Form ADV Part
2A is not provided to the Client at least 48 hours prior to signing an agreement, the Client
has five (5) business days to cancel the agreement, with no penalty.

Where Client is entitled to a refund of unearned management fees, such fees will be
prorated based upon the number of days that DAG’s advisory services were actually
rendered during the termination quarter. Any unearned fees will be returned to the Client.

Additional Fees and Expenses

In addition to our advisory fees, clients are also responsible for other fees and expenses
charged by custodians and imposed by broker/dealers, including but not limited to, any
transaction imposed by a broker/dealer with which an independent investment manager
effects transactions for the client’s account(s). Please refer to Item 10 of this brochure,
“Brokerage Practices”, for additional information.
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ERISA Accounts

Pursuant to the Employee Retirement Income and Securities Act (“ERISA”), and
regulations under the Internal Revenue Code of 1986, the Firm is deemed to be a fiduciary
to advisory clients that are employee benefit plans or individual retirement accounts. As
such, we are subject to specific duties and obligations under ERISA and the Internal
Revenue Code that include among other things, restrictions concerning certain forms of
compensation. To avoid engaging in prohibited transactions, we may only charge fees for
investment advice about products for which the Firm and/or related persons do not receive
any commissions or 12b-1 fees, except that the Firm and/or related persons may provide
investment advice about products for which we receive commissions or 12b-1 fees, only
if such fees are used to offset our advisory fees.

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Item 7        Types of Clients

DAG provides advisory services to a variety of Clients including, but not limited to:

   •   Individuals (other than high net worth individuals)
   •   High net worth individuals

Minimum Account Size

DAG does not have a minimum account size.

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