Kropog Financial Group LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one more
written agreement with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid quaterly, at the end of each calendar calendar, pursuant to the terms of the advisory
agreement. Wealth management fees are based on the market value of assets under management at the end of the
prior calendar quarter. Wealth management fees range up to 2.00% annually based on several factors, including: the
scope and complexity of the services to be provided; the level of assets to be managed; and the overall relationship
with the Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other
complexities may be charged a higher fee.

The wealth management fee in the first quater of service is prorated from the inception date of the account[s] to the end
of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by
Kropog Financial will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the
Custodian’s valuation to ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other
related costs and expenses described in Item 5.C below, which may be incurred by the Client. For certain Clients, the

                                                Kropog Financial Group, LLC
                                         2895 Hwy 190, Suite 205, Mandeville, LA 70471
                                           Phone: 985-727-6724 * Fax: 985-800-0124
                                                   www.kropogfinancial.com

Advisor’s fee will include securities transaction fees described in Item 5.C below. However, the Advisor shall not receive
any portion of these commissions, fees, and costs.

Financial Planning Services
Kropog Financial offers stand-alone financial planning services either on an hourly basis or a fixed engagement fee.
Hourly fees are $300 per hour. Fixed fees range from $300 to $15,000. Fees may be negotiable based on the nature
and complexity of the services to be provided and the overall relationship with the Advisor. An estimate for total hours
and/or total costs will be provided to the Client prior to engaging for these services.

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the
Custodian. The Client’s wealth management fee is automatically deducted from the client’s account by the Custodian.
The Client’s specific fee agreement is described on the account application that the Client signs when opening an
account with the Custodian.

The amount due is calculated by applying the quarterly rate (annual rate divided by 4) to the total assets under
management with Kropog Financial at the end of each quarter. Clients will be provided with a statement, at least
quarterly, from the Custodian reflecting deduction of the investment advisory fee. Clients are urged to also review and
compare the statement provided by the Advisor to the brokerage statement from the Custodian, as the Custodian does
not perform a verification of fees. Clients provide written authorization permitting advisory fees to be deducted by the
Custodian to be paid directly from their account[s] held by the Custodian as part of the investment advisory agreement
and separate account forms provided by the Custodian.

Financial Planning Services
Financial planning fees may be invoiced up to fifty percent (50%) of the expected total fee upon execution of the financial
planning agreement. The balance shall be invoiced upon completion of the agreed upon deliverable[s].

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties in connection with investments made on behalf of
the Client’s account[s]. Kropog Financial includes securities transactions costs as part of its overall investment
advisory fee through the Kropog Financial Wrap Fee Program. Securities transaction fees for Client-directed trades
may be charged back to the Client. Please see Item 4.D. above as well as Appendix 1 – Wrap Fee Program Brochure.

In addition, all fees paid to Kropog Financial for advisory services are separate and distinct from the expenses
charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in
each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds,
other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible
distribution fee. A Client may be able to invest in these products directly, without the services of Kropog Financial,
but would not receive the services provided by Kropog Financial which are designed, among other things, to assist
the Client in determining which products or services are most appropriate for each Client’s financial situation and
objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by Kropog
Financial to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional
information.

D. Advance Payment of Fees and Termination
Wealth Management Services
Kropog Financial may be compensated for its wealth management services at the end of the quarter after services are
rendered. Either party may terminate the wealth management agreement, at any time, by providing advance written
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Item 7 – Types of Clients

Kropog Financial offers investment advisory services to individuals, high net worth individuals, trusts, estates,
businesses, and retirement plans. The amount of each type of Client is available on Kropog Financial’s Form ADV
Part 1A. These amounts may change over time and are updated at least annually by the Advisor. Kropog Financial
generally does not impose a minimum relationship size.

                                                Kropog Financial Group, LLC
                                         2895 Hwy 190, Suite 205, Mandeville, LA 70471
                                           Phone: 985-727-6724 * Fax: 985-800-0124
                                                   www.kropogfinancial.com