Murray Financial Group LLC

Item 5 – Fees and Compensation

In addition to the information provide in Item 4 – Advisory Business, this section provides additional
details regarding our firm’s services along with descriptions of each service’s fees and compensation
arrangements.

Investment Management Services:

The Following is ISC Financial Advisors’ incremental fee structure for investment management services:

Annual %           Quarterly %                Assets under management
0.90               0.225                      first $0 - $1,000,000
0.75               0.1875                      next $1,000,000
0.50               0.125                       next $3,000,000
0.25               0.0625                      over $5,000,000

For 401(k), similar retirement plan participant accounts and other accounts we access and manage
through the Pontera Solutions Inc. platform, Pontera Solutions Inc. receives 0.25% as an annual fee. We
do not increase our annual fee to cover the fee retained by Pontera Solutions Inc. Therefore, clients are
charged the same fee schedule on accounts held at Charles Schwab & Company, Inc. and accounts we
access through Pontera.

ISC Financial Advisors strives for a minimum fee per account of $400, minimum asset management
threshold of $100,000. Related accounts can be combined for fee purposes.

Fees are payable quarterly or annually in arrears and may be negotiated under special circumstances,
depending upon special assets, account complexity and size.

Under certain circumstances fixed income securities may be purchased with a firm outside of the chosen
custodian. This would be done to get you a better price, yield or product not carried by the current
account custodian. You may incur a markup or mark down on the purchase of the fixed income security
and also a trade away fee collected by the custodian.

Murray Financial dba ISC Financial Advisors                                                Disclosure Brochure

You may invest directly in mutual funds without incurring ISC Financial Advisors’ investment management
fee, paying only the internal management fee collected by the mutual fund investment advisor.
The specific manner in which we charge fees is established in your written agreement with ISC Financial
Advisors. We will generally bill our fees on a quarterly basis. You will be billed in arrears each calendar
quarter. You may also elect to be billed directly for the fee or to authorize ISC Financial Advisors to
directly debit fees from another account of your choosing. Accounts initiated or terminated during a
calendar quarter will be charged a prorated fee. Upon termination of any account any earned, unpaid
fees will be due and payable.

ISC Financial Advisors’ fees are exclusive of brokerage commissions, transaction fees, and other related
costs and expenses which shall be incurred by you. You may incur certain charges imposed by
custodians, brokers, third party investment and other third parties such as fees charged by managers,
custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic
fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual Funds
and exchange traded funds also charge internal management fees, which are disclosed in a fund’s
prospectus. Such charges, fees and commissions are exclusive of and in addition to the Firms, and we
shall not receive any portion of these commissions, fees, and costs.

The Brokerage Practices section will further describe the factors that we consider in selecting or
recommending broker-dealers for client transactions and determining the reasonableness of their
compensation (e.g., commissions).

Financial Planning Services:

Our associated persons provide written financial planning services for clients upon the execution of a
financial planning agreement. Written financial plans may be comprehensive (covering the totality of the
client’s situation) or modular in their preparation (covering only selected topics agreed upon by the client
and advisor). Topics covered in a financial plan may generally include, but are not limited to, identifying
clients’ goals such as education funding for children, risk management through insurance, tax reduction,
retirement planning, and efficient wealth transfer through proper estate planning.

Financial planning services begin by assessing the clients’ current financial situation and may take into
consideration each client's objectives, risks that they are willing to undertake, investment knowledge, net
worth, income, age, projected retirement, unusual or material funding requirements, inheritance
possibilities, pensions, social security, children/relative funding issues, estate issues, and living expenses
expressed in today’s dollars requested for retirement. Based on the previous data and information
compilation, suitable investments may also be selected for each client's portfolio as part of the written
financial plan.

As part of our financial planning services, clients have the option to meet with an associated person of
ISC Financial Advisors to review the financial plan, and the client’s progress.

For clients that do not elect to contract for on-going review consultations, services terminate upon
presentation of the financial plan. For clients that elect to contract for on-going review consultations,
either party (i.e. Advisor and client) may terminate the financial planning agreement upon 30 days written
notice to the other party. In either situation, if services are terminated within 5 business days of executing
the financial planning agreement, a full refund of all pre-paid fees will be provided to the client. After the

Murray Financial dba ISC Financial Advisors                                                  Disclosure Brochure

initial 5 business day period, any prepaid fees will be refunded, pro-rata, based on the amount of time
...

Item 7 – Types of Clients

ISC Financial Advisors generally provides investment advice to the following types of clients:

    •    Individuals
    •    High-Net Worth Individuals
    •    Corporations
    •    Corporate pension and profit sharing plans
    •    Taft-Hartley plans (Union Retirement Plans)
    •    Trusts
    •    Charitable organizations, foundations and endowments

Minimum Investment Amounts Required

There are no minimum investment amounts or conditions required for establishing an account managed
by ISC Financial Advisors. However, all clients are required to execute an agreement for services in
order to establish a client arrangement with ISC Financial Advisors.