RFP Financial Group LLC

Item 5 - Fees and Compensation

General Fee Information
Clients enter into one of two fee arrangements. For most discretionary portfolio management
services, clients generally participate in the Wrap Fee Program sponsored by the Adviser (the “Wrap

Program”). The Wrap Program fee structure includes the brokerage expenses (e.g., commissions,
ticket charges, etc.) of the account, charges for custody services, and the management fee paid to the
Adviser. Under the all-inclusive billing alternative, the Adviser will assess one client fee that captures
the management, brokerage, custody and administrative portions collectively. Any portion of Wrap
Program fees that the Adviser does not pay to third parties in connection with transaction and
execution expenses is retained by the Adviser. Because of this, the Adviser may have a disincentive
to trade securities in client accounts. The Adviser does not have a minimum portfolio asset value size
requirement for participation in the Wrap Program but, in its discretion, may establish one in the
future.

The second option is where Clients will pay management fees to the Adviser separately from the
brokerage expenses and transaction costs of the account. The brokerage expenses may take the form
of asset-based pricing, meaning that the broker/dealer charges the account a flat-rate percentage to
cover all brokerage expenses, or these expenses may be assessed on a per-trade basis. Please see

Item 7 - Types of Clients

The Adviser serves individuals, high net worth individuals, corporations, trusts, estates, charitable
organizations and retirement and pension plan participants.