NGC Financial LLC

Item 5 - Fees and Compensation

Fees:
NGC Financial, LLC intends to be compensated for its investment advisory services by
charging fees for the assets under management or through hourly or fixed fees and
commissions.

Management Fees:

Pursuant to an investment advisory contract signed by each client, the client will pay NGC
Financial, LLC a quarterly Management Fee, in arrears, based upon the market value of the
Assets on the last business day of the preceding quarter. Fees will be deducted from the
client's assets. Management fees shall be prorated for each capital contribution and
withdrawal made during the applicable calendar quarter (with the exception of de minimis
contributions and withdrawals). Accounts initiated or terminated during the calendar quarter
will be charged a prorated fee. Upon termination of any account, any prepaid, unearned fees
will be promptly refunded, and any earned, unpaid fees will be due and payable.

Market Value                Fee
$0 - $999,999               1.20 %
$1,000,000 and over         1.00 %

These fees may be negotiated by the advisor at the sole discretion of the advisor.
All fees paid to NGC Financial, LLC for investment advisory services are separate
and distinct from the expenses charged by mutual funds to their shareholders. These
fees and expenses are described in each fund's prospectus. These fees will generally
include a management fee, other fund expenses, and a possible distribution fee. If
the fund also imposes sales charges, a client may pay an initial or deferred sales
charge. A client could invest in a mutual fund directly, without the services of NGC
Financial, LLC. In that case, the client would not receive the services provided by
NGC Financial, LLC which are designed, among other things, to assist the client in
determining which mutual fund or funds are most appropriate to each client's
financial condition and objectives. Accordingly, the client should review both the
fees charged by the funds and the fees charged by NGC Financial, LLC to fully
understand the total amount of fees to be paid by the client and to thereby evaluate
the advisory services being provided. Advisor's fees are exclusive of brokerage
commissions, transaction fees, and other related costs and expenses which shall be
incurred by the client. Item 12 further describes the factors that NGC Financial, LLC
considers in selecting or recommending broker-dealers for client transactions and
determining the reasonableness of their compensation (e.g., commissions).

                                             2.

Clients may request to terminate their advisory contract with NGC Financial, LLC, in whole
or in part, by giving thirty days advance written notice. Client's advisory agreement with the
Advisor is non-transferable without Client's written approval.

Hourly and Fixed fees:
Some clients will contract to have investment advisory advice and/or financial planning
advice provided based on an hourly fee rather than based on the assets under management.
The advisors hourly fee will be billed at a rate of $250 per hour, but may be negotiated in
advance. The advisors hourly fees will be negotiated and agreed upon by the parties in
advance. Hourly fee-based clients are billed on a monthly basis upon completion of work
performed. NGC Financial, LLC will charge $2,500 per plan as contracted and payable by in
advance. Said fixed fee may be negotiated in advance based at the discretion and/or prior
business relationship of the advisor. All agreed upon fees for work performed are
non-refundable.

Commissions: NGC Financial, LLC may receive separate, yet typical compensation through
the sale of insurance products and mutual funds. As a broker-dealer and registered investment
advisory firm, NGC Financial, LLC, may receive commissions for securities related
transactions, including asset-based sales charges and service fees. This practice presents a
conflict of interest and gives NGC Financial, LLC and its registered representatives an
incentive to recommend investment products based on the compensation received, rather
than on a client’s needs. If more than 50% of revenue from advisory clients result from
commissions and other compensation for the sale of investment products recommended to
clients, including asset-based distribution fees from the sale of mutual funds, NGC Financial,
LLC will disclose that commissions provide NGC Financial, LLC’s primary or if applicable,
exclusive compensation. Currently NGC Financial, LLC’s investment advisory business
does not have an arrangement to receive asset based sales charges or service fees as well as
advisory fees. Should such conflicts occur, the client will be notified in writing and if
advisory fees are charged in addition to any commissions or markups, NGC Financial, LLC
will reduce the advisory fees to offset the commission or markup received. When mutual
funds are recommended, the advisory business (RIA) will primarily recommend “no-load”
funds.

Clients have the option to purchase investment products recommended by NGC Financial,
LLC through other brokers or agents that are not affiliated with NGC Financial, LLC or its
advisors.

                                              3.

Item 7 - Types of Clients

NGC Financial, LLC provides portfolio management services to individuals and high net
worth individuals.