Resource Financial Group Ltd

Fees and Compensation

                                                                                                           Form ADV Part 2A, Item 5

A. Describe how you are compensated for your advisory services. Provide your fee schedule. Disclose whether the fees are
negotiable.
Note: If you are an SEC-registered adviser, you do not need to include this information in a brochure that is delivered only
to qualified purchasers as defined in section 2(a)(51)(A) of the Investment Company Act of 1940.

Adviser offers the Resource Financial Group Ltd Portfolio Management Advisory Program (“Program”) to suitable Clients
who seek to maintain an advisory account of load-waived and no-load mutual funds and other equity and debt securities.
Program is offered as either discretionary, where the Adviser is authorized to manage all trading without seeking the
Client's consent for each transaction, or non-discretionary, where the Adviser trades only after the Client approves each
transaction.

The annual management fee for the Adviser’s investment advisory services is negotiable. The Adviser provides each Client
with a copy of the Investment Advisory Agreement. That agreement will describe in detail the investment advisory services
offered as well as the fees. The annualized investment management fee is a percentage of assets in the account and will be
charged according to the following schedule:

                                               Schedule Of Program Fees

                                       Portfolio Value           Max Annual Advisory Fee
                                        Breakpoints

                                                                 2.00%
                                 $ 0 – $ 249,999
                                 $ 250,000- $499,999             2.00%

                                 $ 500,00 - $999,999             2.00%

                                 $ 1,000,000 - 1,999,999         2.00%

                                 $ 2,000,000 +                   2.00%

New clients will have advisory accounts opened on the Wealth Management Platform (WMP). On the WMP, you pay an
annual management in conjunction with your Wealth Management Platform accounts. Management fees are negotiated
based on the complexity of your financial situation, the investment services to be provided, the experience and standard
fees charged by your representative, and the nature and total dollar asset value of the assets maintained in your account.
The management fee is based on a percentage of assets under management and generally, the maximum annualized
management fee that can be charged to you is 2%. However, if a sub-advisor is utilized, a sub-advisor fee is included, in
which case the management fee may exceed 2%. The rate will be disclosed on a fee schedule.

You can make cash additions to your account at any time and can withdraw account assets upon notice to OSAIC and, if
applicable, your representative. Assets in excess of $10,000 deposited into or withdrawn from the account by you can be
charged or refunded a prorated portion of the management fee based on the number of days during the billing period that
assets were held in the account.

Management fees are calculated monthly or quarterly at the beginning of each period based on either the average daily
balance (ADB) or the period ending balance (PEB) of account assets under management for the previous period. The exact
fee schedule used is disclosed to you prior to services being provided. Management fees are billed in advance with the
exception of the initial fee. The initial fee is billed in arrears, prorated based on the number of days those services were
provided during the first billing month. This initial fee is billed at the same time the first full month’s fee is billed in
advance.

                                                                                  ©2010 National Compliance Services 800-800-3204

Cash will be maintained in the core account investment vehicle which you select in order to pay for management fees and
other charges and fees. Fees and charges are noted on your statements.

Variable annuity policies can be linked to Wealth Management Platform Advisor Directed accounts. The variable annuity
policy prospectus contains information about limitations and restrictions on making cash additions and withdrawals from
any linked policy, and you should review that information. With respect to the AMP Portfolios, the market value of variable
annuity accounts included in the management portfolio can be included in the calculation of the management fees as long
as it was not sold by an OSAIC representative who earned a commission. OSAIC might not receive daily account valuation
information for variable annuities from the insurance companies or their custodians. In some circumstances, management
fees on certain variable annuity accounts can be based on the weekly or monthly average balance. You can pay more or
less in management fees when the pricing is based on a weekly or monthly average balanced compared to management
fees when the pricing is based on the average daily balance.

Fixed and fixed index annuities can also be linked to your Wealth Management Platform (WMP) account to assist in
consolidating and uniformly reporting on your holdings. Any fixed and fixed index annuity positions linked to your account
are excluded from fee billing calculations as well as from management and/or valuation services.

The management fee may be a flat fee, a linear fee (where the percentage fee is fixed based on the total assets in your
account), or a tiered fee schedule (where the percentage-based fee is lowered as assets in your accounts increase). The
exact fee charged or fee schedule used is disclosed to you prior to services being provided.

Complete fee details for the Wealth Management Platform (WMP), including transaction charges and termination
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Types of Clients

                                                                                                           Form ADV Part 2A, Item 7

Describe the types of clients to whom you generally provide investment advice, such as individuals, trusts, investment
companies, or pension plans. If you have any requirements for opening or maintaining an account, such as minimum
account size, disclose the requirements.

Advisory Representative provides advisory services to individuals, pension and profit-sharing plans, trusts, estate or
charitable organizations, corporations, or other business entities.

Retirement Plan Services are available to clients that are sponsors or other fiduciaries to Plans, including 401(k), 457(b),
403(b), and 401(a) plans. Plans include participant-directed defined contribution plans and defined benefit plans. Plans
may or may not be subject to ERISA.

There is no minimum account size for individual accounts services or for retirement plan consulting services.

However, limits may be imposed on accounts opened on the Wealth Management Platform as follows:

The minimums to establish and maintain Wealth Management Platform account are listed below. Exceptions can be
granted if negotiated between yourself, OSAIC, and your representative.

        $10,000 for Wealth Management Platform Advisory Managed Account Portfolios (non-wrap)

                                                                                  ©2010 National Compliance Services 800-800-3204

                   Methods of Analysis, Investment Strategies, and Risk of Loss

                                                                                                              Form ADV Part 2A, Item 8

A. Describe the methods of analysis and investment strategies you use in formulating investment advice or managing
assets. Explain that investing in securities involves risk of loss that clients should be prepared to bear.

Advisor first establishes an investor profile for each Client.

The profile identifies the financial characteristics of each investor, including but not limited to a breakdown of assets and
liabilities, the composition of financial account types (taxable vs. tax-deferred), employment status, income, and expense
analysis, and federal and state tax status of each client.

The profile also identifies client goals (both financial and personal) to allow advisor and client to translate stated goals into
objectives for the asset management process. The advisor reviews and clarifies the risk tolerance of each client during the
development of the investor profile.

After the objectives have been determined, the advisor can evaluate the investor profile and identify any appropriate
strategies to assist the client in meeting their stated objectives, within their specific risk tolerance.

Investment strategies are formulated after the investor profile and objective setting has been completed. All investment
strategies are created to be specifically tailored to each individual client. Possible investment vehicles are only considered if
they are believed to provide added value to the client in the asset management process. If appropriate for the client, a
specific asset allocation is proposed, and a review of the risk characteristics of each asset class considered, along with all
specific investments, is discussed with client prior to implementation of any investment plan.

Clients are informed that investing in securities involves risk of loss, and that each client must be prepared to bear a
possible loss prior to any investment.

For ERISA clients, RIA will apply generally accepted investment theories so that its investment choices for the Plan are
made with the objective to reasonably diversify Plan assets to minimize the risk of large losses and to provide varying
degrees of long-term appreciation and capital preservation through a mix of equity and fixed income exposures to meet the
risk-based categories identified in the Plan’s investment policy statement (“IPS”). RIA will diversify, reallocate and
rebalance the investments and associated risk levels over time in accordance with generally accepted investment theories
and consistent with the Plan’s IPS. RIA can make changes to the underlying investments and/or the asset allocation
percentages of any Model Portfolios and will communicate any instructions directly to the Platform Provider or Custodian.
RIA employs numerous philosophies and tools in our investment analysis and due diligence process. We can utilize any or
all of the following:

Fundamental Analysis is security analysis grounded in basic factors such as company earnings, balance sheet variables,
and management quality. These factors are used to predict the future value of an investment. Information such as interest
rates, GNP, inflation, and unemployment could be used to forecast the direction of the economy and therefore the stock
market. Close attention is paid to fundamentals in order to determine the ―fair valueǁ of various sectors.
Technical Analysis is employed in various formats in order to gauge market sentiment. It is the practice of using statistics
to determine trends in security prices and make or recommend investment decisions based on those trends. Technical
analysis focuses on matters such as trade volume, demand, and volatility to help determine the market forces at work on a
certain security or on the securities market as a whole.
We utilize Quantitative Analysis to easily combine and quantify various characteristics of a large number of investments
in order to determine which of the group require further analysis. Qualitative Analysis is also used to weigh the unique
characteristics of an individual investment and the risk and return expectations of various capital markets. Third-party
money managers will have their own methods of analysis, investment strategies, and unique investment risks that you
should review and consider before investing.
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