Seven Springs Wealth Group LLC

Item 5 Fees and Compensation
All fees are subject to negotiation at SSWG's discretion. Fees for each service are described below.

I. Financial Planning Fees
SSWG offers financial planning services in addition to ongoing portfolio management services. Fees
for financial planning and related services will typically range from $1,500 to $5,000 and are separate
from any portfolio management fees described below. Fees are negotiable and are based on various
factors such as the services requested by the Client; the complexity of the Client's situation; and the
research and resources needed to provide the requested services. Generally, one-half (1/2) of the fee
is payable upon the Client's execution of an advisory agreement with SSWG, and the fee balance is
due upon SSWG's presentation of the plan, completion of the services, or in 90 days, whichever
comes first. Typically, SSWG's presentation of planning services will be made within 90 days of a
Client's execution of the advisory agreement. However, the Client may negotiate an alternative
payment schedule with SSWG. Clients may pay fees for additional services provided by SSWG, such
as portfolio management fees or transaction-based compensation to SSWG's associated persons for
any insurance products. When multiple services are offered, there is the potential for a conflict of
interest, since there is an incentive for SSWG or its associated persons to recommend products or
services for which SSWG, or a related party, may receive compensation. Financial planning Clients are
under no obligation to act upon any recommendations of SSWG or to implement recommendations
through SSWG if they decide to follow SSWG's recommendations.

In some cases, a Client may be subject to a fixed our hourly financial planning fee different than the
fees described above, based on an arrangement made at the time the advisory agreement was
originally signed with SSWG or as disclosed in an advisory agreement Client signed with another
investment advisory firm and assigned to SSWG.

SSWG will not require prepayment of a fee more than six months in advance and in excess of $1,200.

A Client may terminate advisory services within five business days after entering into the advisory
agreement without penalty. After five business days of entering into the advisory agreement,
termination of the advisory agreement by either the Client or SSWG will be effective upon receipt of the
other party's written notice to terminate. The Client will be responsible for any time spent by SSWG in
providing the Client with advisory services or in analyzing the Client's financial situation. No refund of
any earned portion of the initial deposit will be made to the Client.

II. Portfolio Management Services
Under traditional portfolio management services agreements, SSWG will be compensated based on
Clients' assets under management. Assets under advisement are included in this calculation. Advisory
fees are paid quarterly in advance, based on the account's average daily account value for the
previous calendar quarter, and subject to a minimum fee of $5,000 per year. In some limited cases,
fees may be calculated using a different methodology disclosed in the account opening agreement.
Fees are prorated for accounts opened during the calendar quarter. SSWG will impose no start-up,
closing, or penalty fees in connection with the establishment of a client's account. Cash awaiting
investment or reinvestment may be invested in cash balances or money market funds at the account
custodian. Cash balances are customarily included in the assets that are used to calculate the advisory
fees as it serves as part of the allocation strategies from time to time. Private and illiquid investments
managed or advised by SSWG will be included in the advisory fee calculation. SSWG does not fair
value any securities. With respect to private investments, we rely on each company or manager to
determine the value of each of their investments for billing and performance calculation purposes.
Managers may provide different types of statements for valuation purposes, such as Schedule K-1,

capital statements (which are then adjusted by capital calls and/or distributions of principle), pricing
provided to account custodian, or other means determined by the Manager. These investments
typically do not have a daily fluctuating balance; therefore, the billed value is based on most recent
data available. The account custodian will provide Clients with an account statement reflecting the
deduction of the advisory fee. Client is responsible for reviewing the accuracy of the fee.

Fees are negotiable at the sole discretion of SSWG and are based on the nature of the services
requested by the Client; the mix of investment products held in the Client's account; the complexity of
the Client's situation; the size of the Client's account; and the scope of the Client's needs.

At SSWG's discretion, we may combine the account values of family members to determine the
applicable advisory fee. For example, we may combine account values for a client and their minor
children, joint accounts with a spouse, and other types of related accounts. Combining account values
may increase the asset total, which may result in a client paying a reduced advisory fee based on the
available breakpoints in our fee schedule stated below.

The following fee schedule is used as a baseline for fee negotiations.

                 Assets Under Management                  Annual Percentage (%) Fee
                 First $1,000,000                                  1.00%
                 Next $1,000,001 to $2,000,000                     0.85%
                 Next $2,000,001 to $5,000,000                     0.55%
                 Next $5,000,001 to $10,000,000                    0.35%
                 Next $10,000,001 to $20,000,000                   0.25%
                 Next $20,000,001 and above                        0.20%
...

Item 7 Types of Clients
SSWG provides financial planning and portfolio management services to individuals, high net-worth
individuals, trusts and estates, foundations, charitable organizations, retirement plans, and business
entities.

In general, SSWG does not require a minimum dollar amount to open and maintain an advisory
account; however, SSWG has the right to terminate an Agreement if account values fall below a
minimum size which, in our sole opinion, is too small to manage effectively. SSWG typically charges a
minimum asset management fee of $5,000 per year.

Separate account managers to whom SSWG may refer clients, including for the SSWG Voyage
Portfolio, may have mimimum account sizes for participation in their programs. Such minimums will be
described in the applicable separate account manager's disclosure brochure.