Pinnacle Asset Management Group Corporation Inc

5. Fees and Compensation
 A. Description:
Pinnacle Asset Management Group bases its fees on a percentage of assets under management,
hourly charges, fixed fees (not including subscription fees), subscription fees and commissions.

Financial plans are priced according to the degree of complexity associated with the client's situation.

        a. Advisor Managed Portfolios Program:
We offer Advisor Managed Portfolios as an account billed with separate advisory fees and transaction
charges ("Non-Wrap Account"). As such, in addition to the quarterly account fee described below,
you will also pay separate per-trade transaction charges.

Or

We offer Advisor Managed Portfolios as an account where no separate transactions charges apply
and a single fee is paid for all advisory services and transactions ("Wrap Account").

You will pay a quarterly account fee, in advance, based upon the market value of the assets held in
your account as of the last business day of the preceding calendar quarter. Your account fees are
negotiable and will be debited from your account by our custodian. You will receive a full account fee
refund in the event that you terminate your client agreement with us within five business days of
signing. If you terminate after the first five days, the account fee will be credited back to you on a pro-
rata basis for the unused portion of the quarter.

Our Advisor Managed Portfolios account fee schedule is as follows:

       1.00 % - on the first $500,000

       0.75% - on the next $500,000 ($500,001 to $1,000,000)

       0.65% - on the next $1,000,000 ($1,000,001 to $2,000,000)

       0.55% - on the next $3,000,000 (from $2,000,001 to $5,000,000)

       Above $5,000,001 the fee is negotiable

       b. Third Party Advisory Services

Compensation in connection with Third Party Advisory Services generally consists of five elements:
1) management fees paid to Third-Party Advisory Services; 2) management fees paid to us as
outlined below; 3) transaction costs - if applicable - which may be paid to purchase and sell such
securities; 4) custody fees.

For more complete fee details, please see the applicable Third-Party Advisory Service's disclosure
brochures, investment advisory contracts, and account opening documents.

 Our Third-Party Advisory fee schedule is as follows:

         1.00 % - on the first $500,000

         0.75% - on the next $500,000 ($500,001 to $1,000,000)

         0.65% - on the next $1,000,000 ($1,000,001 to $2,000,000)

         0.55% - on the next $3,000,000 (from $2,000,001 to 5,000,000)

         Above $5,000,001 it is negotiable

All advisory fees disclosed above in a, b, c and d are not “blended” annual fees in which each tier of assets
is charged a different rate under the annual fee schedule creating the effect of a blended fee rate used at the
time of billing. Under our tiered fee schedules described above, only one rate is charged against all of the
client’s assets under management in each program.

 B. Fee Billing:
 Investment management fees are billed quarterly, in ADVANCE, meaning that we
 invoice you BEFORE the three-month billing period has BEGUN. Payment in full is expected
 upon invoice presentation. Fees are usually deducted from a designated client account to
 facilitate billing. The client must consent in advance to direct debiting of their investment
 account.

 All tiered fee schedules above are non-blended fee schedules.

 For assets over $5 million, the advisory fee is negotiable.

         a. Financial Planning

 Fees for financial plans are billed upon delivery of the financial plan and paid by client check.
 When you receive financial planning services you may also purchase securities or insurance products
 offered through Kovack Securities Inc. pursuant to the plan or consultation. Members of our Firm
 may receive commissions as Registered Representatives of Kovack Securities Inc. or insurance
 agents in connection with such transactions. Thus, we may have a conflict of interest when providing
 financial planning services to you as there may be an incentive for us to recommend specific courses
 of action through our financial planning services that may lead to members of our Firm receiving
 additional compensation.

 Please be aware that you are under no obligation to purchase products or services recommended by
 us or members of our Firm in connection with our providing you with financial planning services, or
 any advisory service that we offer.

         b. Additional Fees and Expenses:

 Mutual fund investments in the programs that we offer are no-load or load at NAV. Your mutual fund
 investments may be subject to early redemption fees, 12b-1 fees and mutual fund management fees
 as well as other mutual fund expenses. These fees are in addition to the fees and expenses
 referenced above. Please review the mutual fund prospectus for full details.

Variable annuity companies generally impose internal fees and expenses on your variable annuity
investment, including contingent deferred sales charges and early redemption fees. In addition,
variable annuity companies generally impose mortality charges of approximately 1.25% annually.

These fees are in addition to the fees and expenses referenced above. Complete details of such
internal expenses are specified and disclosed in each variable annuity company's prospectus. Please
review the Variable Annuity prospectus for full details.

       c. Non-Wrap Accounts:

In addition to the per-trade transaction charges referenced above, you will also be subject to per-trade
confirmation fees as disclosed on your trade confirmation (typically $4.00 per trade) and an additional
fee of $1.50 for each trade confirmation that you do not elect to receive electronically. You may also
be subject to an additional, per-trade transaction charge on the selling of certain securities as
disclosed on your trade confirmation (generally less than $1.00 on trades of $50,000 or less). These
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7. Types of Clients

A. Description:
Pinnacle Asset Management Group generally provides investment advice to individuals, banks or thrift
institutions, investment companies, pension and profit sharing plans, trusts, estates, or charitable
organizations, corporations and business entities.

Client relationships vary in scope and length of service.

B. Account Minimums:
The minimum account size is $6,000 of assets under management.

Third Party Advisory Services account minimums are disclosed in each respective manager's Form
ADV and associated paperwork.

Each Third-Party Advisory Service that we offer has its own account minimum. Their account
minimums are disclosed to you through their own form ADV and associated paperwork that will be
presented to you.