Hershey Financial Advisers LLC

Item 5: Fees and Compensation

        HFA offers its investment advisory services on a fee on assets under management basis. The fee will be
outlined and described in detail on the advisory agreement that you will sign at the outset of our relationship. Our
fees are negotiable.

         The client’s advisory fee shall be a flat percentage rate dependent upon the client’s asset range on a tiered
basis.

         Market Value of Portfolio        Maximum Annual Fee (% of Assets)
         Up to $500,000                   .50% - 2.00%
         $500,001 to $1,500,000           .5% - 1.75%
         $1,500,001 to $3,000,000         .5% - 1.50%
         Above $3,000,000                 .5% - 1.25%

Similarly situated clients could pay different fees based on the scope, complexity, and amount of time and expertise
required and range of services.

         Advisory fees are calculated and billed quarterly in advance or in arrears as selected by the client. For clients
who pay in advance, should they terminate their relationship with us before the end of the billing period we will
refund them any unearned fees pro-rata from the date of termination to the date of the end of the billing period.
Client agrees to supply HFA with the ability to deduct fees from the account(s) on a quarterly basis. This fee
deduction process will occur in advance or in arrears of service provided and will be accompanied by a quarterly fee
notification that will be supplied to the client and evidenced on the account statement produced by the qualified
custodian. The specific method of billing is disclosed in each individual client agreement. Quarterly fees are based
on the beginning balances of newly established accounts or on the ending value of securities on the last day of the
quarter for established accounts.

         Clients who choose to provide HFA with discretion have empowered HFA to buy and sell securities without
the client’s prior knowledge or consent. Clients may, by contract, place restrictions on HFA’s discretionary authority.
Trail fees or 12(b)(1) fees on these discretionary accounts may be paid to HFA. HFA may act as the investment
Advisory client’s representative in the execution of securities transactions on a normal and customary basis. The use
of a registered broker-dealer for such transactions is at the client’s complete discretion. The receipt of commissions

creates the possibility of a conflict of interest. Advisers that can make both fee and commission must put the client’s
interest ahead of any personal financial gain, this disclosure is to serve notice to clients of the inherent conflict of
charging fees and having the ability to also make commissions. Clients have the right to ask if commissions are also
being made by the Adviser on accounts where they are charging fees. Clients may pay higher commission rates than
otherwise available. HFA and its principals, and not the broker-dealer are solely responsible for the quality of
investment advice provided to clients.

         For the purpose of implementing recommendations and effecting transactions in the course of construction
of a client portfolio and ongoing monitoring or management, HFA may direct Advisory clients to a licensed securities
broker-dealer with which he is affiliated as a registered representative. Advisory clients are under no obligation to
effect any portfolio transaction with or through HFA or any broker-dealer with which he may be affiliated as a
registered representative, and may at any time direct that portfolio transactions be effected with or through any
other appropriately licensed securities broker-dealer or registered representative. Investment Advisory
Representatives (IARs) who choose to effect transactions for Advisory clients through a securities broker/dealer with
which they are affiliated, may receive certain types of transaction-based compensation, which is in addition to the
Advisory fees paid to the IAR by clients.

        In connection with HFA’s management of an account, a client will incur fees and/or expenses separate from
and in addition to HFA’s advisory fee. These additional fees may include transaction charges and the fees/expenses
charged by any custodian, External Managers, mutual fund, ETF, separate account manager (and the manager’s
platform manager, if any), limited partnership, or other advisor, transfer taxes, odd lot differentials, exchange fees,
interest charges, ADR processing fees, and any charges, taxes or other fees mandated by any federal, state or other
applicable law, retirement plan account fees (where applicable), margin interest, brokerage commissions, mark-ups
or mark-downs and other transaction-related costs, electronic fund and wire fees, and any other fees that
reasonably may be borne by a brokerage account. For External Managers, clients should review each External
Manager’s Form ADV 2A disclosure brochure and any contract they sign with the External Manager (in a dual
contract relationship). The client is responsible for all such fees and expenses.

Hourly Charges, Fixed Fees, and Conflicts of Interest

        HFA provides investment planning services consistent with individual client's financial and tax statues, risk
tolerance and investment objectives. Fees are billed at a negotiated rate between the parties. Hourly fees usually
range from $150 to a maximum rate of $250 per hour. The client may make structured payments with a portion of
the fees paid up-front and the remainder of payments made upon completion of the service(s). These options are
available in the client agreement. Planning fees are often paid by check, but if the client chooses, they may have the
fees debited directly from accounts managed by HFA. These services may also be negotiated as a fixed fee. Unless
otherwise stated, client agreements are for a period of one year and are automatically renewed each year. The
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Item 7: Types of Clients

         HFA provides its services to individuals, high net worth individuals, institutional investors, business
entities, trusts, and charitable organizations.