Schultz Financial Group Incorporated

Item 5          Fees and Compensation

A. SFG’s fees for its financial advisory services are as set forth below.

    FINANCIAL ADVISORY SERVICES
    Combined Wealth and Non-Discretionary Investment Management. SFG’s primary service offering
    employs its “Four Capitals” approach to provide wealth management and non-discretionary investment
    management services tailored to each client’s unique situation. SFG charges a fixed annual retainer that
    generally ranges between $20,000 and $150,000, payable quarterly or monthly in advance depending
    on the terms of the applicable Financial Advisory Agreement. The negotiable fee is based on objective
    and subjective factors including but not necessarily limited to the client’s net worth, legacy
    relationships, managed account composition, future earning capacity, negotiations with the client, the
    complexity of client assets and liabilities, related accounts, the current and anticipated amount of assets
    to be managed, the level and scope of the services required, and which professionals will provide the
    services.

    Non-Discretionary Investment Management (Stand-Alone). SFG may agree to provide non-
    discretionary investment management services for a stand-alone fee. SFG’s annual advisory fee is fixed
    and based upon a percentage (%) of the market value of the assets placed under SFG’s management
    (generally 1% of the first million, .75% of the next million, and .5% on assets over $2 million).

    Wealth Management Services (Stand-Alone). SFG may agree to provide financial planning and/or
    consulting services (including investment and non-investment related matters, including estate
    planning, insurance planning, etc.) for a stand-alone fee. SFG’s planning and consulting fees generally
    range between $150 and $500 per hour, depending upon the level and scope of the services required
    and the professionals providing the services.

    SFG’s Fees in General. Account assets consisting of cash and cash equivalent positions are included in
    the value of an account’s assets for purposes of calculating the investment advisory fees or the fixed
    annual fee, as applicable. Similar services provided by SFG may be available from other advisers under
    different fee structures. SFG may agree in limited circumstances to reduce the annual investment
    advisory fee based upon criteria such as: legacy relationship, type of assets to be managed, related
    accounts, anticipated future additional assets and earning capacity, account composition, and
    negotiations with the client. Certain clients have accepted different service offerings and may therefore
    receive services under different arrangements than as described above. As a result of these factors,
    similarly situated clients could pay different fees that correspondingly impact net account performance.

B. Clients may elect to have SFG’s advisory fees deducted from their custodial account. Both SFG’s
   Financial Advisory Agreement and the custodial/clearing agreement may authorize the custodian to
   debit the account for the amount of SFG’s financial advisory fee and to directly remit that management
   fee to SFG in compliance with regulatory procedures. In the limited event that SFG bills the client
   directly, payment is due upon receipt of SFG’s invoice. SFG deducts fees or bills clients either monthly
   or quarterly in advance, based upon the annual fixed fee.

C. SFG generally recommends that Charles Schwab & Co., Inc., an SEC-registered and FINRA member
   broker-dealer/custodian (“Schwab”) and its affiliates serve as the broker-dealer/custodian for client
   investment management assets. Broker-dealers charge transaction fees for executing certain securities
   transactions according to their fee schedule, and they or their affiliated custodians also impose charges
   for custodial services / fees associated with maintaining the client’s account. Without limiting the
   foregoing, clients may also be required to pay certain charges and administrative fees related to their

    investment advisory accounts including, but not limited to, transaction charges (including mark-ups
    and mark-downs), charges resulting from trades executed through or with a broker-dealer other than
    the designated broker-dealer/custodian, transfer taxes, transfer or wiring fees, odd lot differentials,
    exchange fees, interest charges, American Depository Receipt agency processing fees, and any charges,
    taxes or other fees mandated by any federal, state or other applicable law or otherwise agreed to with
    regard to client accounts. For mutual fund and ETF purchases, clients will incur charges imposed by
    the respective fund which represent the client’s pro rata share of the fund’s management fee and other
    fund expenses. These fees and expenses are described in each fund’s prospectus or other offering
    documents. SFG does not share in the fees or expenses charged by the broker-dealers/custodians and
    fund sponsors described in this Item.

D. SFG’s annual advisory fees are prorated and paid monthly or quarterly, in advance. The applicable
   form of agreement between SFG and the client will continue in effect until terminated by either party
   by written notice in accordance with the terms of the agreement, or upon satisfaction of the terms of
   the agreement. Upon termination, SFG will refund the pro-rated portion of any unearned, advanced
   advisory fee paid based upon the number of days remaining in the billing period or the amount of
   services provided to date.

E. Neither SFG nor its representatives accept compensation from the sale of securities or other investment
   products.

Item 7          Types of Clients

    SFG’s clients currently include individuals, high net worth individuals, trusts, estates, small businesses,
    pension and profit sharing plans, and charitable organizations. For new clients, SFG generally requires
    a minimum $20,000 annual fee for its Combined Wealth and Non-Discretionary Investment
    Management Services. However, SFG may reduce or waive that minimum fee in its sole discretion
    based upon certain criteria (i.e., net worth, legacy relationships, managed account composition, future
    earning capacity, negotiations with the client, the complexity of client assets and liabilities, related
    accounts, the current and anticipated amount of assets to be managed, the level and scope of the services
    required, and which professionals will provide the services).