Sterling Financial Group Inc

Item 5 – Fees and Compensation

Written Financial Planning and Financial Consulting Services: Sterling Financial Group normally
charges a flat fee for Written Financial Planning that generally ranges from $2,500 to $12,500. A retainer of fifty
percent of the ultimate financial planning fee is typically collected with the signing of the Client Agreement. The
remainder of the fee is due within thirty days of the delivery of the completed written plan to the client. In all
cases, we will not require a retainer exceeding $1200 when services cannot be rendered within 6 months.

Sterling Financial Group charges an hourly fee ranging from $50 to $450 per hour for Financial Consulting. A
retainer fee is not typically required for our Financial Consulting services. The total estimated fee, as well as the
ultimate fee that is charged, is based on the scope and complexity of the engagement with the client.

Educational Expense Planning: The fees for this service will typically be based on a percentage of the asset
value of the account. The exact details will vary and shall be laid out in the executed client advisory agreement.

Wrap Asset Management: Please see our ADV 2A Appendix 1: Wrap Fee Program Brochure for details
on the fees and compensation arrangements pertinent to our Asset Management services.

At times Sterling Financial Group will utilize margin in client accounts (please refer to Item 8 below for detailed
information regarding the risks surrounding margin). When utilizing margin strategies as part of a client’s
portfolio account, the firm uses the aggregate value of of the client’s margin accounts for determining fees.
Thus, fees are charged on the amount of assets in the underlying client account, as well as the margin portion
of the account. For example, in an account where the value is $100K in assets, but $25K is attributable to
margin, the full $100K will be counted when determining fees.

Non-Wrap Asset Management:

               Assets Under Management                                                    Annual Fee Percentage:

                   $0 to $999,999                                                                  0.85 - 1.75%

                        $1,000,000 to $5,000,000                                              0.75 - 1.50%

                   $5,000,001 to $10,000,000                                                       0.55 - 1.00%

                   $10,000,001 to $20,000,000                                                      0.45 - 0.75%

                   Over $20,000,000                                                                0.20 - 0.50%

Fees to be assessed will be outlined in the advisory agreement to be signed by the Client. Our firm bills on cash
unless indicated otherwise in writing. Annualized fees are billed on a pro-rata basis quarterly in advance based
on the value of the account(s) on the last day of the month of the previous calendar quarter. Fees are generally
not negotiable and will be deducted from client account(s). Client accounts will be aggregated for fee billing
purposes. Adjustments will be made for deposits and withdrawals during the quarter. In rare cases, our firm
will agree to directly invoice. As part of this process, Clients understand the following:

     a) The client’s independent custodian sends statements at least quarterly showing the market values
        for each security included in the Assets and all account disbursements, including the amount of
        the advisory fees paid to our firm;
     b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our
        firm will send an invoice directly to the custodian; and
     c) If our firm sends a copy of our invoice to the client, a legend urging the comparison of
        information provided in our statement with those from the qualified custodian will be included.

Please note, the fee schedule for this service outlined above is not tiered. For example, if a client has $7,000,000 in assets
under management with our firm, based on the above schedule, the client’s annual advisory fee charged will be $70,000,
assuming the maximum annual fee percentage is charged for each tier outlined above. The annualized fee will be calculated
as follows: ($7,000,000 x 1.00%) = $70,000 annualized fee. The Third-party money managers we recommend establish
and maintain their own separate billing processes over which we have no control. They will directly bill you and describe
how this works in their separate written disclosure documents.

The advisory fee is shared between Sterling Financial Group and its advisors. Sterling Financial Group takes its
responsibility to clients seriously and will recommend a custodian to clients only if it believes it is in the client’s best interest.

To hire Sterling Financial Group to provide management services, clients will be asked to enter into a written investment

advisory agreement with the Firm. This agreement will set forth the terms and conditions of the relationship, including
the amount of the investment advisory fee.

In the event, the advisory agreement is terminated in writing to Sterling Financial Group before the end of the quarterly
period, clients are entitled to a pro-rated refund of any pre-paid quarterly advisory fee based on the number of days
remaining in the quarter after the termination date.

Retirement Plan Consulting:
Our Retirement Plan Consulting services are billed on a flat (account set-up) fee basis, or a fee based on
the percentage of Plan assets under management. The total estimated fee, as well as the ultimate fee
charged, is based on the scope and complexity of our engagement with the client. Our one-time flat
(account set-up) fees range from $750 to $3,500. Ongoing fees based on a percentage of managed Plan
assets will not exceed 1.50%. The fee-paying arrangements will be determined on a case-by-case basis
and will be detailed in the signed consulting agreement.
...

Item 7 – Types of Clients and Account Requirements

Sterling Financial Group serves Individuals, High-Net-Worth Individuals, Trusts, Estates, Charitable
Organizations, Pension and Profit-sharing Plans, as well as Corporations, Limited Liability Companies and/or
other types of businesses.

In general, the minimum investment for new clients is $500,000 subject to a minimum account fee, which is
generally $6,250, however Sterling Financial Group, in its sole discretion can waive such minimums in limited
circumstances, such as the referral of a client’s family member, or professional referrals.