KFG Wealth Management LLC

Item 5           Fees and Compensation

   A.
                                   INVESTMENT ADVISORY SERVICES
         KFG’s annual investment advisory fee is based upon a percentage (%) of the market value
         of assets placed under KFG’s management, generally between negotiable and 1.25% as
         follows:
                             Market Value of Portfolio          % of Assets
                             First $500,000                     1.25%
                             Next $500,000                      1.00%
                             Next $1,000,000                    0.75%
                             Next $3,000,000                    0.50%
                             Above $5,000,000                   0.25%

                        *Fixed Income securities                    0.25%

         ** KFG may offer Custom Index strategies for an addition fee of 0.10% of the assets placed
         in the strategy.

         Clients are under no obligation to participate in either a custom index strategy or an option
         overly strategy.

         KFG’s investment advisory fee is negotiable at KFG’s discretion, depending upon
         objective and subjective factors including but not limited to: the amount of assets to be
         managed; portfolio composition; the scope and complexity of the engagement; the
         anticipated number of meetings and servicing needs; related accounts; future earning

capacity; anticipated future additional assets; the professional(s) rendering the service(s);
prior relationships with KFG and/or its representatives, and negotiations with the client.

As a result of these factors, similarly situated clients could pay different fees, or fees in
excess of the above fee schedule. KFG’s advisory fee shall be communicated to the client
prior to KFG’s engagement. The services to be provided by KFG to any particular client
could be available from other advisers at lower fees.

                        SEI ASSET MANAGEMENT PROGRAM
SEI Program management fees (Management Fees) are payable quarterly, in arrears, based
on assets under management at the end of the quarter. Management Fees are automatically
deducted from your Account. Each quarter SEI will send you an account statement that
will include a Management Fee Notification, which will show the computed fee, any
adjustments to the fee, an explanation of any adjustment and the net Management Fee to
be deducted later in the period from each client’s account.

Management Fees are paid to KFG. Clients may terminate the SEI Program Account at any
time by notifying KFG. Termination will be effective upon receipt of such notice. If
services are terminated within five business days of executing the client agreement,
services will be terminated without penalty. After the initial five business days, you may
be responsible for payment of fees for the number of days that services were provided by
KFG prior to receipt of the notice of termination.

The maximum total Management Fee charged to the client will not exceed 1.75% annually
of the value of assets under management.

KFG’s portion of the total fee is typically 1.00% of the value of the assets under
management but may vary based upon the client’s total amount of assets under
management by KFG and the client’s relationship with KFG (for example, KFG’s
associated persons or employees may pay a reduced management fee to KFG). The exact
fee and/or fee schedule for you will be disclosed in SEI’s client agreement.

SEI may charge a separate custodial fee for the custody services it provides to your account.
Mutual funds held in your account pay their own advisory fees and other expenses, which
are described in each mutual fund’s prospectus. These fees and expenses are separate from
the Management Fee.

       FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)
KFG’s comprehensive planning and consulting fees generally range from $1,000 to
$35,000 on a fixed fee basis. Whereas, KFG’s single-needs financial planning and
consulting services are provided on an hourly rate basis with work being performed for a
fee between $50 to $400 per hour.

KFG generally requires a minimum fee of $250 for single-needs financial planning
services. In certain instances, KFG may require a minimum fee of up to $500. Clients will
agree to any minimum fee in excess of $250, prior to KFG commencing its engagement.

                                 RETIREMENT PLAN SERVICES
    KFG’s retirement plan services fee is typically based upon the market value of the assets
    in the plan. Each client’s fee schedule is dependent upon services provided and is clearly
    detailed in Retirement Plan Consulting Agreement executed by the client. However, KFG
    typically charges between 0.05% and 0.80% for pension consulting services.

    To the extent that KFG offers its retirement consulting services on a fixed fee basis, it will
    typically range between $2,500 to $80,000.

B. Clients shall typically authorize KFG to deduct its advisory fees from their custodial
   account(s). Both KFG’s agreement and the custodial/clearing agreement authorize the
   custodian to debit the account for the amount of KFG’s investment advisory fee and to
   directly remit that management fee to KFG in compliance with regulatory procedures.

    In the limited event that KFG bills the client directly, payment is due upon receipt of KFG’s
    invoice. KFG shall generally deduct fees and/or bill clients monthly in arrears, based upon
    the average daily account balance of the assets during the previous month including any
    accrued interest.

C. As discussed below, unless the client directs otherwise or an individual client’s
   circumstances require, KFG shall generally recommend that Fidelity Investments’
   custodian National Financial Services (“Fidelity”) serve as the broker-dealer/custodian for
   client investment management assets.
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Item 7           Types of Clients

         KFG’s clients shall generally include individuals, high-net worth individuals, trusts,
         pension and profit-sharing plans, estates and charitable organizations.