Everest Financial Group LLC

Fees and Compensation - Item 5

 Investment Management Services Fees
 Our annual fee for investment management services is based on a percentage of the assets held in your
 account, and will not exceed 2.25%. The actual fee charged to each client is negotiable based on factors
 such as the client's financial situation and circumstances, the amount of assets under management and
 the time required to manage the account. In our sole discretion, we may negotiate other fee-paying
 arrangements or fees depending on the client’s circumstances. The exact fee to be paid by the Client
 will be clearly stated in the investment management agreement signed by the Client and EFG.

 At times, the account may contain investment securities that are held for the convenience of the client
 (i.e., REITs, UITs, etc.). No management fees will be charged on these convenience holdings, and the
 client agreement will specifically identify those items that will be excluded from management fee
 calculations. Accounts may also contain cash positions that, at the sole discretion of our IARs, will be
 excluded from management fee calculations. The client agreement will identify whether or not cash
 positions will be included in the management fee charged. If billing arrangements on cash positions or
 convenience holdings change, a new client agreement will be required.

 Fees are billed quarterly, in advance, and are based on the account's asset value (excluding any
 convenience holdings and/or cash positions, if applicable) as of the last business day of the prior
 quarter. A client account opened mid-period or has assets transferred into the account mid-period will
 not be charged any advisory fees until the beginning of the next quarter. Advisory fees will be billed
 directly to the client or will be automatically deducted from the client's account by the account
 custodian and paid to us. If fees will be automatically deducted from the account, the client will be
 required to provide Charles Schwab with authorization to have fees deducted from the account and
 paid directly to us. When deducting fees automatically, we will deduct our fees directly from your
 account through Charles Schwab, which will be the qualified custodian holding your funds and
 securities. We will deduct our advisory fees only when you have given Everest Financial Group, LLC
 written authorization permitting the fees to be paid directly from your account. In our discretion, we
 may agree to invoice you directly in lieu of debiting our advisory fee from your custodial account. In
 such instances, payment is due within 30 days of receipt of the billing statement from us. Charles

Everest Financial Group, LLC

 Schwab will deliver an account statement to you at least quarterly. These account statements will show
 all disbursements from your account. You should review all statements for accuracy.

 Either party may terminate the agreement by providing written notice to the other party. If services
 are terminated within five business days of signing the client agreement, services will be terminated
 without penalty and all prepaid fees will be refunded to the client. If services are terminated after five
 business days, there will be no refund of prepaid fees.

 Financial Planning Services
 For comprehensive and modular (project-based) planning services, we charge either a fixed fee ranging
 up to $5,000 or on an hourly rate up to $500 per hour.

 For ongoing financial planning services through written financial review service engagements, Clients
 may be charged an annual fixed fee not to exceed $15,000, hourly fees not to exceed $500, or a
 combination thereof. Such services are provided for a period of 12 months. During this period, Clients
 will have access to a designated Investment Adviser Representative (“IAR”) and may receive review
 meetings addressing services provided by EFG or other financial matters of concern, as determined by
 the Client. Each 12-month engagement includes one new or updated written review of the Client’s
 financial situation.

 Fees are negotiable based upon the client's needs and the nature of the project, as well as the individual
 performing the service. For hourly clients, an estimate of the total hours needed to complete the
 project will be provided to the client prior to services being rendered. If it is determined, during the
 course of the project, that more time is required to complete the service(s), the client will be contacted
 for approval to continue prior to services being finalized. Client will be responsible for actual time spent
 completing the project. Fees for services will be determined and disclosed to the client prior to the
 execution of the client agreement. At the IAR's discretion, the entire fee may be due in advance, in
 arrears or a deposit may be required. If a deposit is required, the remaining balance will be due upon
 presentation of the written plan. However, if it is determined that fees are due after the project has
 been completed, fees will be due upon receipt of our firm’s billing notice.

 Financial planning services terminate upon presentation of the comprehensive or modular planning
 services. Written review services are provided for a period of 12 months and automatically renew on
 the anniversary date of the signing of the original client agreement. Either party may terminate any
 financial planning services by providing written notice to the other party. If services are terminated
 within five business days of the client signing the client agreement, services will be terminated without
 penalty. Client may be responsible for time and costs expended by us prior to the receipt of notice of
 termination. Any unearned fees will be returned to the client promptly.

 Selection of Other Advisers
 If the client chooses to utilize the services of a TPIA based on our firm's recommendation, we will charge
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Types of Clients - Item 7

 We primarily provide our investment advisory services to individuals, including high-net worth
 individuals.

 In general, we do not require a minimum dollar amount to open and maintain an advisory account;
 however, we have the right to terminate your account if it falls below a minimum size which, in our sole
 opinion, is too small to manage effectively.

 Methods of Analysis, Investment Strategies and Risk of Loss - Item 8

 Our Methods of Analysis and Investment Strategies
 We may use one or more of the following methods of analysis or investment strategies when providing
 investment advice to you:

 Fundamental Analysis - involves analyzing individual companies and their industry groups, such as a
 company's financial statements, details regarding the company's product line, the experience and
 expertise of the company's management, and the outlook for the company and its industry. The
 resulting data is used to measure the true value of the company's stock compared to the current market
 value.

 Risk: The risk of fundamental analysis is that information obtained may be incorrect and the analysis
 may not provide an accurate estimate of earnings, which may be the basis for a stock's value. If
 securities prices adjust rapidly to new information, utilizing fundamental analysis may not result in
 favorable performance.

 Technical Analysis - involves studying past price patterns, trends, and interrelationships in the financial
 markets to assess risk-adjusted performance and predict the direction of both the overall market and
 specific securities.

 Risk: The risk of market timing based on technical analysis is that our analysis may not accurately detect
 anomalies or predict future price movements. Current prices of securities may reflect all information
 known about the security and day-to-day changes in market prices of securities may follow random
 patterns and may not be predictable with any reliable degree of accuracy.

 Charting Analysis - involves the gathering and processing of price and volume pattern information for
 a particular security, sector, broad index, or commodity. This price and volume pattern information is

Everest Financial Group, LLC

 analyzed. The resulting pattern and correlation data is used to detect departures from expected
 performance and diversification and predict future price movements and trends.

 Risk: Our charting analysis may not accurately detect anomalies or predict future price movements.
 Current prices of securities may reflect all information known about the security and day-to-day
 changes in market prices of securities may follow random patterns and may not be predictable with
 any reliable degree of accuracy.

 Modern Portfolio Theory (MPT) - a theory of investment which attempts to maximize portfolio
 expected return for a given amount of portfolio risk, or equivalently minimize risk for a given level of
 expected return, by carefully diversifying the proportions of various assets.

 Risk: Market risk is that part of a security's risk that is common to all securities of the same general class
 (stocks and bonds) and thus cannot be eliminated by diversification.

 Long-Term Purchases - securities purchased with the expectation that the value of those securities will
 grow over a relatively long period of time, generally greater than one year.

 Risk: Using a long-term purchase strategy generally assumes the financial markets will go up in the long-
 term which may not be the case. There is also the risk that the segment of the market that you are
 invested in or perhaps just your particular investment will go down over time even if the overall
 financial markets advance. Purchasing investments long-term may create an opportunity cost -
 "locking-up" assets that may be better utilized in the short-term in other investments.

 Short-Term Purchases - securities purchased with the expectation that they will be sold within a
 relatively short period of time, generally less than one year, to take advantage of the securities' short-
 term price fluctuations.

 Risk: Using a short-term purchase strategy generally assumes that we can predict how financial markets
 will perform in the short-term which may be very difficult and will incur a disproportionately higher
 amount of transaction costs compared to long-term trading. There are many factors that can affect
 financial market performance in the short-term (such as short-term interest rate changes, cyclical
 earnings announcements, etc.) but may have a smaller impact over longer periods of times.

 Risk of Loss
 Investing in securities involves risk of loss that you should be prepared to bear. We do not represent or
 guarantee that our services or methods of analysis can or will predict future results, successfully identify
 market tops or bottoms, or insulate clients from losses due to market corrections or declines. We
 cannot offer any guarantees or promises that your financial goals and objectives will be met. Past
 performance is in no way an indication of future performance.

 Other Risk Considerations
 When evaluating risk, financial loss may be viewed differently by each client and may depend on many
 different risks, each of which may affect the probability and magnitude of any potential losses. The
 following risks may not be all-inclusive, but should be considered carefully by a prospective client
 before retaining our services.

Everest Financial Group, LLC

 Liquidity Risk: The risk of being unable to sell your investment at a fair price at a given time due to high
 volatility or lack of active liquid markets. You may receive a lower price or it may not be possible to sell
 the investment at all.

 Credit Risk: Credit risk typically applies to debt investments such as corporate, municipal, and sovereign
 fixed income or bonds. A bond issuing entity can experience a credit event that could impair or erase
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