Global Financial Group Advisors LLC

Item 5: Fees and Compensation

       A. Fee Schedule

       Retirement Plan Consulting Fees

          Total Assets Under Management            Maximum Annual Fee

          All Assets Under Management                      1.55%

Fees to be assessed will be outlined in the signed advisory contract. These fees are
negotiable depending upon the needs of the client and complexity of the situation.

Clients may terminate their accounts without penalty, for full refund, within five business
days of signing the advisory contract. According to several state and federal statutes, all
clients have the right to terminate any contract without penalty within five business days
of entering into an agreement with GFGA. After that five day period, however, the refund
policy of the GFGA goes into effect. As GFGA charges solely in arrears for work already
completed there is no refund available to any client after the initial five business day
period.

Asset Management Fees

          Total Assets Under Management            Maximum Annual Fee

          All Assets Under Management                      1.55%

Fees to be assessed will be outlined in the signed advisory contract. Fees are paid either
quarterly or monthly in arrears. Unless otherwise noted in writing, our firm bills on cash.
These fees are negotiable depending upon the needs of the client and complexity of the
situation. Adjustments will be made for deposits and withdrawals during the quarter and
month.

Clients may terminate their accounts without penalty, for full refund, within five business
days of signing the advisory contract. According to several state and federal statutes, all
clients have the right to terminate any contract without penalty within five business days
of entering into an agreement with GFGA. After that five day period, however, the refund
policy of the GFGA goes into effect. As GFGA charges solely in arrears for work already
completed there is no refund available to any client after the initial five business day
period.

Financial Planning:

Our firm charges on an hourly or flat fee basis for financial planning services. The total
estimated fee, as well as the ultimate fee charged, is based on the scope and complexity of
our engagement with the client. The maximum hourly fee to be charged will not exceed
$350. Flat fees will not exceed $10,000. The fee-paying arrangements will be determined
on a case-by-case basis and will be detailed in the signed consulting agreement. Our firm
will not require a retainer exceeding $1,200 when services cannot be rendered within six
months.

B. Payment of Fees

Payment of Retirement Plan Consulting Fees / Payment of Asset
Management Fees

Fees are paid either monthly or quarterly in arrears, and clients may terminate their
contracts with thirty days’ written notice. Fees will be deducted from client account(s). In
some cases, our firm may directly invoice the client if appropriate. As part of this process,
clients understand the following:
    a) The client’s independent custodian sends statements at least quarterly
        showing the market values for each security included in the Assets and all
        account disbursements, including the amount of the advisory fees paid to
        our firm;
   b) Clients will provide authorization permitting our firm to be directly paid
      by these terms. Our firm will send an invoice directly to the custodian; and
   c) If our firm sends a copy of our invoice to the client, legend urging the
      comparison of information provided in our statement with those from the
      qualified custodian will be included.

Other Types of Fees & Expenses

Clients will incur transaction fees for trades executed by their chosen custodian via
individual transaction charges. These transaction fees are separate from our firm’s
advisory fees and will be disclosed by the chosen custodian. Charles Schwab & Co., Inc.
(“Schwab”), does not charge transaction fees for U.S. listed equities and exchange traded
funds.

Clients may also pay holdings charges imposed by the chosen custodian for certain
investments, charges imposed directly by a mutual fund, index fund, or exchange traded
fund, which shall be disclosed in the fund’s prospectus (i.e., fund management fees, initial
or deferred sales charges, mutual fund sales loads, 12b-1 fees, surrender charges, variable
annuity fees, IRA and qualified retirement plan fees, and other fund expenses), mark-ups
and mark-downs, spreads paid to market makers, fees for trades executed away from
custodian, wire transfer fees and other fees and taxes on brokerage accounts and securities
transactions. Our firm does not receive a portion of these fees.

Termination & Refunds

Either party may terminate the advisory agreement signed with our firm for asset
management services in writing at any time. Upon notice of termination pro-rata advisory
fees for services rendered to the point of termination will be charged. If advisory fees
cannot be deducted, our firm will send an invoice for advisory fees due to the client.

Either party to a retirement plan consulting agreement may terminate at any time by
providing written notice to the other party. Full refunds will only be made in cases where

cancellation occurs within five business days of signing an agreement. After five business
days from initial signing, either party must provide the other party 30 days written notice
to terminate billing. Billing will terminate 30 days after receipt of termination notice.
Clients will be charged on a pro-rata basis, which takes into account work completed by
our firm on behalf of the client. Clients will incur charges for bona fide advisory services
rendered up to the point of termination (determined as 30 days from receipt of said
written notice) and such fees will be due and payable.

Financial Planning: Clients may terminate their agreement at any time before the delivery
...

Item 7: Types of Clients
GFGA generally provides investment advice and/or management supervisory services to the
following types of clients:

             Businesses
             Non-Profit Organizations
             Individuals
             Pension and Profit Sharing Plans
Minimum Account Size
There is no account minimum.