New Harbor Financial Group LLC

Item 5 Fees and Compensation
Investment Management and Wealth Management Services
Our fee for portfolio management services is based on a percentage of your assets we manage and
generally ranges from 0.85% to 2.00% annually, depending on the aggregate assets we manage for a
client and individual client circumstances.

Our annual portfolio management fee is billed and payable quarterly in advance based on the value of
your account on the last day of the previous quarter. If the portfolio management agreement is
executed at any time other than the first day of a calendar quarter, our fees will apply on a pro rata
basis in arrears, which means that the advisory fee is payable in proportion to the number of days in
the quarter for which you are a client.

We will deduct our fee directly from your account through the qualified custodian holding your funds
and securities. We will deduct our advisory fee only when you have given our firm written authorization
permitting the fees to be paid directly from your account. Further, the qualified custodian will deliver an
account statement to you at least quarterly. These account statements will show all disbursements
from your account. You should review all statements for accuracy.

You may terminate the portfolio management agreement at any time by verbal or written notice. You
will incur a pro rata charge for services rendered prior to the termination of the portfolio management
agreement, which means you will incur advisory fees only in proportion to the number of days in the
quarter for which you are a client. If you have pre-paid advisory fees that we have not yet earned, you
will receive a prorated refund of those fees.

Additions to your account may be in cash or securities provided that we reserve the right to liquidate
any transferred securities or decline to accept particular securities into your account. We may consult
with you about the options and ramifications of transferring securities. However, when transferred
securities are liquidated, they may be subject to transaction fees, fees assessed at the mutual fund
level (i.e., contingent deferred sales charge) and/or tax ramifications. If assets are deposited into or

withdrawn from an account after the inception of a quarter, the fee payable with respect to such assets
will not be adjusted or prorated based on the number of days remaining in the quarter.

Financial Planning Services
We may charge a fixed fee and/or hourly fee for financial planning and consulting services. These fees
are negotiable, but generally range from $1,000 to $5,000 on a fixed fee basis and $150 - $250 on an
hourly rate basis, depending upon the level and scope of the services and the professional rendering
the financial planning and/or consulting services. At our discretion, we typically waive our financial
planning fees to the extent you implement the financial plan through our Investment Management
Services.

Fees are due upon completion of services rendered. You may terminate the financial planning
agreement by providing written notice to our firm. At our discretion, you may incur a pro rata charge for
services rendered prior to the termination of the agreement.

Educational Seminars/Workshops
We may charge a nominal fee to attendees who are not current clients of our firm for admittance to our
educational seminars/workshops.

Additional Fees and Expenses
As part of our investment advisory services to you, we may invest, or recommend that you invest, in
mutual funds and exchange traded funds. The fees that you pay to our firm for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds or exchange
traded funds (described in each fund's prospectus) to their shareholders. These fees will generally
include a management fee and other fund expenses. You may also incur transaction charges and/or
brokerage fees when purchasing or selling securities. These charges and fees are typically imposed by
the broker-dealer or custodian through whom your account transactions are executed. We do not
share in any portion of the brokerage fees/transaction charges imposed by the broker-dealer or
custodian. To fully understand the total cost you will incur, you should review all the fees charged by
mutual funds, exchange traded funds, our firm, and others. For information on our brokerage practices,
please refer to the Brokerage Practices section of this brochure.

Compensation for the Sale of Securities or Other Investment Products
Our firm's Chief Compliance Officer, Christine Drisco, is a registered representative with Purshe
Kaplan Sterling Investments, Inc. ("PKS"), an SEC-registered securities broker-dealer and a member
of FINRA. In her capacity as a registered representative, Ms. Drisco may receive commission-based
compensation in connection with the purchase, sale, or holding of variable annuities. Compensation
earned by Ms. Drisco in her capacity as a registered representative is separate and in addition to our
advisory fees. In addition, persons providing investment advice on behalf of our firm are also licensed
as insurance agents. These persons will earn commission-based compensation for selling insurance
products, including insurance products they sell to you. Insurance commissions earned by these
persons are separate and in addition to our advisory fees. The receipt of commissions by these
individuals presents a conflict of interest because they have an incentive to recommend insurance
products to you for the purpose of generating commissions rather than solely based on your needs.
However, it is our policy to make recommendations to you based on your best interests rather than any
additional compensation earned. Additionally, although Ms. Drisco may hold variable annuities for
advisory clients in her capacity as a registered representative of PKS, she will not earn commissions
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Item 7 Types of Clients
We offer investment advisory services to individuals, high net worth individuals, pension and profit
sharing plans, trusts, estates, charitable organizations, corporations, and other business entities.

In general, we require a minimum aggregate investment for each client of $500,000 to open and
maintain an advisory account; however, we have the right to accept clients below this level on a case
by case basis, and to terminate your Account if it falls below a minimum size which, in our sole opinion,
is too small to effectively manage.