EPG Incorporated

Item 5 – Fees and Compensation

Community Financial Investment Advisory Services Fees: The negotiable fees charged for the provision of the
basic management service(s) are billed monthly, in arrears and are generally based on the asset size reflected
on the customer institution's most recent statement of condition:

            Institution Asset Size ($millions) Annual Cash Fee        Monthly Cash Fee

                         0-300                    $30,000-$60,000     $2,500-$5,000

                         301-500                  $60,000-$90,000     $5,000-$7,500

                         501-750                  $90,000-$120,000    $7,500-$10,000

                         751-1,000                $120,000-$150,000   $10,000-$12,500

                         Over 1,000               Negotiable          Negotiable

The fees listed herein are approximations and subject to negotiations. Fees may be higher for certain clients
depending on the complexity of such client’s portfolio.

Individual Service Fees: Individual client fees are charged based on assets under management and are billed
quarterly, in advance, upon the following negotiable schedule:

                                   Assets in Account, Annual Percentage Fee:

                                      First $1 million                 1.00%
                                      $1 million to $2 million         0.85%
                                      Over $2 million                  0.75%

ALM Fees: Fees for these services are charged either on a project basis or pro-rated on an annual basis. The
negotiable annual base fee for the Registrant's comprehensive asset/liability management advisory service is
generally $25,000 to $100,000, based on the level of service provided.

Long Range Strategic Planning Fees: Fees for those services are charged either on a project basis or on a pro-
rated basis, annually. The negotiable annual base fee for the Registrant's long-range strategic planning
service is $15,000 to $95,000, based on the level of service provided.

Quarterly Meeting Fees: Charges for quarterly meetings with a client's Board of Investment may be billed
separately for each visit, at a negotiated percentage of the annual basic management fee.

All fees are subject to negotiation. The specific manner in which fees are charged by EPG is established in a
client’s written agreement with EPG. Accounts initiated or terminated during a calendar quarter will be
charged a prorated fee. Upon termination of any account, any prepaid, unearned fees will be promptly
refunded, and any earned, unpaid fees will be due and payable.

EPG’s fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses
which shall be incurred by the client. Clients are responsible for certain charges imposed by custodians,
brokers, third party investment and other third parties such as fees charged by managers, custodial fees,
deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other
fees and taxes on brokerage accounts and securities transactions. Mutual funds and exchange traded funds
also charge internal management fees, which are disclosed in a fund’s prospectus. Such charges, fees and
commissions are exclusive of and in addition to EPG’s fee, and EPG shall not receive any portion of these
commissions, fees, and costs.

Item 12 further describes the factors that EPG considers in selecting or recommending broker-dealers for
client transactions and determining the reasonableness of their compensation (e.g., commissions).

Item 7 – Types of Clients

EPG provides portfolio management services to individuals (including trusts and charitable foundations),
high net-worth individuals, and institutions.