Apex Investment Group LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a written
agreement with the Advisor.

                                                Apex Investment Group, LLC
                                               145 Main St, Hudson, MA 01749
                                           Phone: 774-351-0805 I Fax: 774-351-0802
                                                  https://www.apexinvest.org/

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid monthly or quarterly (“Billing Period”) in advance of each calendar Billing Period
pursuant to the terms of the wealth management agreement. Wealth management fees are based on the market value
of assets under management at the end of the prior calendar Billing Period. Wealth management fees are based on the
following tiered schedule:

                                 Assets Under Management ($)            Annual Rate (%)
                                          $0-$500,000                       1.25%
                                      $500,001 - $2,000,000                 0.85%
                                     $2,000,001 - $5,000,000                0.70%
                                    $5,000,001 - $10,000,000                0.45%
                                   $10,000,001 - $20,000,000                0.35%
                                          $20,000,001+                    Negotiable

Certain clients may be on a legacy fee arrangement that may differ from the one above. The wealth management fee
in the first Billing Period of service is prorated from the inception date of the account[s] to the end of the first Billing
Period. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into consideration the
aggregate assets under management with the Advisor. All securities held in accounts managed by Apex Investment
Group will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s
valuation to ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other
related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor
shall not receive any portion of these commissions, fees, and costs.

Use of Independent Managers
As noted in Item 4, the Advisor will implement all or a portion of a Client’s investment portfolio utilizing one or more
Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an
Independent Manager. The Advisor will only earn its wealth management fee as described above. Independent
Managers typically do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee with an
increased level of assets placed under management with an Independent Manager. The terms of such fee arrangements
are included in the Independent Manager’s disclosure brochure and applicable contract[s] with the Independent
Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.00%
annually.

Retirement Plan Advisory Services
Retirement plan advisory fees are charged an annual asset-based fee of up to 1.25%. Fees may be billed monthly
or quarterly (“Billing Period”) in advance or arrears pursuant to the terms of the retirement plan advisory agreement.
Retirement plan fees are based on the market value of assets under management at the end of the Billing Period.
Fees may be negotiable depending on the size and complexity of the Plan but shall not exceed the fee range stated
above.

Financial Institution Consulting Services
Apex Investment Group receives a consulting fee based on the assets under MSI’s management from Brokerage
Customers who have provided written consent to MSI to receive the consulting service from Apex Investment Group.
The consulting fee is calculated from the assets under MSI’s management as of the end of a calendar quarter period
multiplied by the annualized rate of 19 basis points. The initial fee is paid only after the completion of one full calendar
quarter period following the date of the executed agreement with MSI.

                                                Apex Investment Group, LLC
                                               145 Main St, Hudson, MA 01749
                                           Phone: 774-351-0805 I Fax: 774-351-0802
                                                  https://www.apexinvest.org/

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the
Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from
the Client’s account[s] at the beginning of the respective Billing Period. The amount due is calculated by applying the
Billing Period rate (number of days in the period divided by the number of days in the year) to the total assets under
management with Apex Investment Group at the end of the prior Billing Period. Clients will be provided with a statement,
at least quarterly, from the Custodian reflecting deduction of the wealth management fee. Clients are urged to also
review and compare the statement provided by the Advisor to the brokerage statement from the Custodian, as the
Custodian does not perform a verification of fees. Clients provide written authorization permitting advisory fees to be
deducted by Apex Investment Group to be paid directly from their account[s] held by the Custodian as part of the wealth
management agreement and separate account forms provided by the Custodian.

Use of Independent Managers
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Item 7 – Types of Clients

Apex Investment Group offers wealth management services to individuals, high net worth individuals, trusts,
estates, retirement plans, corporations and charities. Apex Investment Group generally does not impose a

                                               Apex Investment Group, LLC
                                              145 Main St, Hudson, MA 01749
                                          Phone: 774-351-0805 I Fax: 774-351-0802
                                                 https://www.apexinvest.org/

minimum relationship size.