Sterling Manor Financial LLC

Item 5: Fees and Compensation

A. Fee Schedule

Wrap Fee Program Portfolio Management Fees

        Total Assets Under Management          Annual Fees
        All Assets                             Up to 2.00%

SMF uses the value of the account as of the last business day of the prior billing period,
after taking into account deposits and withdrawals, for purposes of determining the
market value of the assets upon which the advisory fee is based.

These fees are generally negotiable and the final fee schedule is attached as Exhibit II of
the Investment Advisory Contract. Clients may terminate the agreement without penalty
for a full refund of SMF's fees within five business days of signing the Investment
Advisory Contract. Thereafter, clients may terminate the Investment Advisory Contract
with thirty (30) days’ written notice.

Financial Planning Fees

Fixed Fees: The fixed rate for creating client financial plans is between $250 and $2,000.

Hourly Fees: The hourly fee for these services is between $75 and $250.

Clients may terminate the financial planning agreement without penalty, for full refund,
within five business days of signing the contract. Thereafter, clients may terminate the
financial planning agreement upon written notice.

B. Payment of Fees

Payment of Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis, or may be invoiced and billed
directly to the client on a quarterly basis. Clients may select the method in which they are
billed. Fees are paid in advance.

Payment of Financial Planning Fees

Fixed and hourly financial planning fees are paid via check, in arrears upon completion.

C. Client Responsibility For Third Party Fees

Portfolio management accounts participating in the wrap fee program will not have to
pay for trading fees. SMF will charge clients one fee, and pay transaction fees using the
advisory fee collected from the client. Certain other fees are not included in the wrap fee
and are paid for separately by the client. These include, but are not limited to, margin
costs, charges imposed directly by a mutual fund or exchange traded fund, deferred sales
charges, odd-lot differentials, additional custodian fees, transfer taxes, wire transfer and
electronic fund fees, account transfer/closure fees, and other fees and taxes on brokerage
accounts and securities transactions. Clients utilizing SMF’s wrap fee portfolio
management should review the separate Wrap Fee Program Brochure.

D. Prepayment of Fees

In the event of cancellation mid-quarter, SMF will provide pro-rata refund of the fees paid
in advance, less any liquidation expenses. The client will also have immediate access to
the assets in his or her account, subject to any limitations or restrictions imposed by the
custodian. For asset-based fees paid in advance, the fee refunded will be equal to the
balance of the fees collected in advance for that quarter minus the daily rate* times the
number of days elapsed in the quarter up to and including the effective date of transfer or
distribution. (*The daily rate is calculated by dividing the quarterly rate by the number of
calendar days in the quarter.)

E. Outside Compensation For the Sale of Securities to Clients

Stephen Matthew Kyne, Adam Fletcher Doig, and James William Flanagan are also
insurance agents. In these roles, they accept compensation for the sale of securities and
other products to SMF clients.

   1. This is a Conflict of Interest

   Supervised persons may accept compensation for the sale of securities or other
   investment products, including asset based sales charges or service fees from the sale
   of mutual funds to SMF's clients. This presents a conflict of interest and gives the
   supervised person an incentive to recommend products based on the compensation
   received rather than on the client’s needs. When recommending the sale of securities
   or investment products for which the supervised persons receives compensation, SMF
   will document the conflict of interest in the client file and inform the client of the
   conflict of interest.

   2. Clients Have the Option to Purchase Recommended Products From Other
   Brokers

   Clients always have the option to purchase SMF recommended products through
   other brokers or agents that are not affiliated with SMF.

           3. Commissions are not SMF's primary source of compensation for advisory
           services

           Commissions are not SMF’s primary source of compensation for advisory services.

           4. Advisory Fees in Addition to Commissions or Markups

           Advisory fees that are charged to clients are not reduced to offset the commissions or
           markups on securities or investment products recommended to clients.

Item 7: Types of Clients

SMF generally provides advisory services to the following types of clients:

              ❖       Individuals
              ❖       High-Net-Worth Individuals
              ❖       Charitable Organizations
              ❖       Pension and Profit Sharing Plans

There is no account minimum for any of SMF’s services.