Delta Financial Advisors LLC

Item 5 Fees and Compensation
Our fees can be based on any of the following methods:

    1. A percentage of assets under management;
    2. Hourly charges

Our typical fee is based on the market value of your assets under management as of the close of
business on the previous quarter's last trading day. Our tiered annual fee schedule is:

    • 1.25% on the amount up to $1,000,000 with a minimum charge of $1,250.00 per year
    • 8/10 of 1% (0.80%) of the excess between $1,000,000.00 and $3,000,000.00 and
    • 5/10 of 1% (0.50%) on amounts in excess of $3,000,000.00.

Advisor's fees will be deducted from Client's account with the custodian, and Client will receive
notification of same on Client's account statement from the custodian as "Advisor Fee" or
"Management Fee." There may be exceptions to these fees and methods of billing. In special
situations where the market value of the assets is not appropriate, we will pre-negotiate special fees.
Fees are computed and billed quarterly in advance. All fees are due within 30 days of the date on the
invoice. A monthly service charge of 1 1/2% (1.50%) will be assessed on any unpaid balance
beginning on the first day following this 30 day period. This service charge will accrue monthly until
paid. Upon termination of this agreement by either Advisor or Client, Client shall be entitled to a refund
of any unearned portion of the fee that has been paid from the date that Client's account is de-linked
from Advisor's view with custodian to the end of the calendar quarter during which the agreement is
terminated.

Our fees are our only source of income. We do not get paid in any other way.

You may also incur commissions from your broker for any trades that are done for you. These
commissions, along with any other fees that the broker may charge, do not benefit us in any way.
Some of these other charges may include account fees, margin interest, prime broker fees, trade away
fees and wire charges. Please see Item 12 in this brochure for other Brokerage considerations. You
have the option to trade your investment recommendations from us through any broker of your choice.

If mutual funds or exchanged traded funds are purchased for you or are held in your accounts, you
may also incur additional fees including, but not limited to: sales charges, management fees and
operating expenses paid to the funds' manager, redemption fees and 12 b-1 (i.e. marketing) fees.
These fees would not be paid to our firm but rather are paid to the manager of the given mutual fund or
exchange traded fund.

If you decide to cancel the contract within the first five business days after signing, cancellation may be
allowed without fee or charge and a full refund of any payment may be made. If you wish to terminate
the contract between the fifth day after signing and the end of the quarter, you may be charged a set-
up fee which will be based on the hours involved billed at $200.00 per hour. In most cases, the set-up
fee will be no less than $200.00. We may waive the set-up fee at our sole discretion. Any termination
of our services, whether by client or us, shall be provided in writing.

We may terminate our agreement for non-payment of fees or other default. We may also terminate our
contract should you make improper use of any information, recommendation or advice furnished. The
contract may also be terminated if, in our opinion, the continued analysis of your portfolio becomes
impractical, if you do not follow a substantial number of our recommendations, or for any other reason.

Item 7 Types of Clients
We provide investment advice to:

    1.   Individuals
    2.   Pension, profit sharing and other retirement plans
    3.   Trusts, estates, fraternal organizations or charities
    4.   Corporations or other businesses

At present, we have no banks, thrift institutions or investment companies as clients, but we have the
ability and expertise to provide investment advice to any legal entity doing business in the United
States.

Our minimum account size is $500,000.00 per client. You may meet this minimum by using one or
more accounts. This minimum may be lowered if we believe that we may provide a proper level of
service after reviewing your unique circumstances.