Conflict of Interest ......

The Mitre Group, LLC

Disclosure of Possible Conflicts of Interest

In an effort to provide full and comprehensive disclosure in today's investment and regulatory environment, The Mitre Group, LLC. (MG) discloses the following: Recommendations in implementing a financial plan (Plan) may include the purchase of products or services offered through MG or its related entities.   Clients are under no obligation to purchase any such product or service.   In the event a client elects to implement a Plan, or any part of it, clients should understand and agree that the firm may receive commission and other fees (i.e. revenue sharing, marketing...) in connection with those purchases.   Fees charged for the Plan are for the plan only and do not include additional compensation that may be earned by MG and the financial consultants for implementing the recommendations.  

Clients should also understand that if they use the services of MG in connection with the sale or purchase of a security, MG may act as principal for its own account or as agent for another person in undertaking such sale of purchase.   Such activities may result in the client paying sales commissions, mark ups or mark downs, 12b-1 fees, trailing fees or service fees.

MG's Operating Philosophy : We believe that having access to a variety of services, products and providers, presents us with an opportunity to offer our clients with what we consider to be the "best of breed", at any given time, as we are not a product manufacturer and we do not sell our own proprietary products.

It is standard industry practice for broker/dealers to have marketing agreements with various product (i.e. mutual funds, variable annuities, limited partnership...) suppliers.   Marketing agreements generally provide for the payment of marketing fees to the selling broker/dealer in addition to stated commissions.   These arrangements between the product companies and the selling broker/dealers to pay marketing fees are sometimes referred to as "preferred provider" relationships.   These fees are paid by sponsoring company in part to help defray the cost incurred by the broker/dealer for marketing and training related to the product.   Receipt by MG, or any related person, including the consultant, of the compensation described above may result in a conflict of interest.   Information Regarding specific marketing agreements can be found in the product's prospectus.   Please read the prospectus thoroughly for more information.

Disclosures Regarding MG Preferred Supplier Relationships and Its Mortgage Company Affiliate

MG has entered into marketing agreements with certain product companies, such as mutual funds or annuity and life insurance providers that allow it to receive incentive payments form those "preferred supplier" companies.

Although MG clients do not pay any portion of the revenue sharing payments, there is a potential conflict of interest because MG and its shareholders may benefit financially from the revenue sharing payments received for recommending these products instead of products sold by non-preferred suppliers who do not pay marketing fees.

Classic Mortgage Solutions, Inc. ("CMS") is a wholly-owned and controlled subsidiary of The Mitre Group, Inc., the parent of MG.   CMS is licensed in Indiana as a mortgage broker originating residential and commercial loans for its customers.   Crown Mortgage Solutions, LLC is a wholly-owned and controlled subsidiary of The Mitre Group, Inc., the parent company of MG.   Crown Mortgage Solutions, LLC is licensed in Illinois as a mortgage broker originating residential and commercial loans for its customers.   Crown Financial Advisors, LLC ("CFA"), may act as dual employees of MG, CMS and Crown Mortgage Solutions, LLC assisting their clients in the mortgage application process by providing information about mortgage product options, disseminating the various HUD disclosure forms, and collecting the necessary documentation.  

Financial Advisors or registered representatives must complete an Outside Business Activity form stating that they are dual employees of MG and/or CFA and CMS and/or Crown Mortgage Solutions, LLC.   CMS or Crown Mortgage Solutions, LLC will then compensate the advisor or registered representative directly, based on 20% of the net fees generated by CMS or Crown Mortgage Solutions, LLC.

Miscellaneous Compensation Received