Patrick Financial Group LLC

ITEM 5 - FEES AND COMPENSATION
Investment Management Fees and Compensation
Our Firm charges a fee as compensation for providing Investment Management services
on your account. These services include advisory services, trade execution, investment
supervision, and other account-maintenance activities. See Additional Fees and Expenses
below for additional details.

The fees for investment management are based on an annual percentage of assets under
management and are applied to the household asset value on a pro-rata basis and billed
monthly in arrears. The monthly fee will be calculated on the average daily balance of the
account. The value will be determined as reported by the Custodian. Fees are assessed
on all assets under management, including securities, cash and money market balances.
Margin account balances are not included in the fee billing.

                        Patrick Financial Group, LLC - FORM ADV 2A Brochure

As of January 2013, client(s) advisory fees are 1.40% a year of net assets under manage-
ment computed. Accounts prior to January 2013, may have higher or lower fees. The
specific advisory fees are set forth in your Investment Advisory Agreement.

Fees may vary based on the size of the account, complexity of the portfolio, extent of
activity in the account or other reasons agreed upon by us and you as the client. In
certain circumstances, our fees and the timing of the fee payments may be negotiated.

Additional fees are paid to Orion Portfolio Solutions (“OPS”) per the PFG Invest-
ment Advisory Agreement. The client’s OPS asset based monthly fees are calcu-
lated by OPS and deducted from assets in arrears at the beginning of the follow-
ing month. OPS asset-based fee schedule for combined household accounts as
follows:
       From                  To                     Fee Schedule
       $0.00                 $50,000.00             0.45%
       $50,000.01            $100,000.00            0.35%
       $100,000.01           $250,000.00            0.20%
       $250,000.01           $500,000.00            0.175%
       Over                  $500,000.01            0.15%

       Please note that OPS fees are shared with PFG.

The independent qualified custodian holding your funds and securities will debit your
account directly for the advisory fee and pay that fee to us. You will provide written
authorization permitting the fees to be paid directly from your account held by the
qualified custodian. Further, the qualified custodian agrees to deliver an account
statement to you on a monthly basis indicating all the amounts deducted from the
account including our advisory fees.

Either PFG or you may terminate the Investment Advisory Agreement with 10-day
written notice by either party. The management fee will be pro-rated to the date of
termination, for the month in which the cancellation notice was given and the unearned
fee refunded to your account as indicated in your Agreement. Upon termination, you are
responsible for monitoring the securities in your account, and we will have no further
obligation to act or advise with respect to those assets. In the event of client’s death or
disability, PFG will continue management of the account until we are notified of client’s
death or disability and given alternative instructions by an authorized party.

Administrative Services Provided by Orion Portfolio Solutions (“OPS”)

We have contracted with OPS to utilize its technology platforms to support data reconcil-
iation, performance reporting, fee calculation and billing, research, client database

                       Patrick Financial Group, LLC - FORM ADV 2A Brochure

maintenance, quarterly performance evaluations, payable reports, and other functions
related to the administrative tasks of managing client accounts. Due to this arrangement,
OPS will have access to client accounts, but OPS will not serve as an investment adviser to
our clients. PFG and OPS are non-affiliated companies. OPS charges our Firm an annual
fee for each account administered by OPS. The client’s OPS asset based monthly fees are
calculated by OPS and deducted from assets in arrears at the beginning of the following
month. The calculation is as follows: The average daily balance of the client account for
the month, times the fee rate, times the amount of days in the month, divided by the
amount of days in the year.

Additional Fees and Expenses:
In addition to the advisory fees paid to our Firm, clients may also incur certain charges
that include SEC fees, charges imposed directly by a mutual fund or ETF in a client’s
account, as disclosed in the fund’s prospectus (e.g., fund management fees and other
fund expenses). PFG brokerage practices are described at length in Item 12, below.
Neither our Firm nor its supervised persons accept compensation for the sale of
securities or other investment products. Further, our firm does not share in any of these
additional fees and expenses outlined above.

ITEM 7 - TYPES OF CLIENTS
We provide investment advice to individuals and high-net worth individuals. Our
minimum initial account value is $50,000; however, we may accept accounts for less than
the minimum at our sole discretion.