Highpoint Advisor Group LLC

Item 5: Fees and Compensation
 HPAG charges a fee for advisory services based on assets under management. Fees for financial planning and hourly
 consulting services are charged as either hourly or fixed fees, or those services may be included in a wealth management
 agreement, where appropriate.

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 Fees, account minimums, and payment terms are negotiable depending on the client’s unique situation. Some clients will
 pay more or less than others depending on the amount of assets, the type of portfolio, the time involved to manage the
 portfolio, the degree of responsibility assumed, the complexity of the engagement, the special skills needed to solve
 problems, the application of experience, and the knowledge of the client’s situation.

 Compensation – Asset Management Services
 Annual asset management fees, range from 0% to 2.20%. Clients will be billed quarterly in advance at the beginning of each
 calendar quarter based upon the value of the account on the last business day of the previous quarter. Fees will be debited
 from the account in accordance with the client authorization in the Asset Management Agreement.

 The advisory fee is deducted from the account by the custodian of the assets based on a written authorization from the
 client.

 If an Asset Management Agreement is terminated before the end of the billing quarter, the client is entitled to a prorated
 refund of any pre-paid advisory fee based on the number of days remaining in the quarter after the termination date.

 Third Party Platform - For assets managed through a third-party platform, the Client is not charged any additional platform
 fees. The Advisor bears the cost of the platform in order to service these Client assets. Advisory fees apply to assets accessed
 and managed through the platform as part of the Client’s assets under management, as disclosed above.

 Compensation – Financial Planning and Consulting
 Financial Planning and Consulting fees will be charged in one of three ways:

      1. On an hourly basis up to $500 per hour, payable in advance or upon completion of the plan/project;
      2. As a fixed fee, typically ranging from $500 to $20,000, depending on the nature and complexity of each client’s
         circumstances, payable in advance or upon completion of the plan/project; or
      3. As a retainer fee, payable on an ongoing basis.

 Financial planning and consulting fees are payable in advance or upon completion of the plan/project, which is formalized
 through a written financial plan or consulting engagement for the client. When fees are paid in advance, services must be
 completed within a 6-month time frame.

 HPAG also offers its financial planning and consulting services through ongoing support payable through an annual retainer
 fee. Annual retainer fees are at a fixed annual rate of up to $20,000, payable monthly, quarterly, or annually (as defined on
 the agreement) in arrears, which will be based on the complexity of services, frequency of Client interactions, and other
 factors. Fees are negotiable based on the nature and complexity of the services to be provided and the overall relationship
 with the IAR. An estimate for total fees will be provided to the Client in advance of the engagement.

 Retirement Plan Services Fees
 HPAG charges an annualized fee of up to 1.00% of the plan's assets for the pension consulting services described above,
 payable quarterly or annually in advance. The type and amount of the fees charged to the client are negotiable and are
 generally based on the size and complexity of the plan, the number of plan participants, the location of the participants,
 the estimated number of meetings required, and other factors that are deemed relevant by HPAG when negotiating with
 the client. An estimate of the total cost will be determined at the start of the advisory relationship.

 If a Retirement Plan Service agreement is terminated before the end of the billing period, the client is entitled to a prorated
 refund of any pre-paid fee based upon the total fee less the time and services spent on the engagement prior to the
 termination.

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 Other Fees
 As further discussed in response to Item 12 (below), HPAG shall generally recommend the brokerage and clearing services
 of an outside Financial Institution.

 HPAG will implement its investment management recommendations only after the client has arranged for and furnished
 HPAG with all information and authorization regarding accounts with appropriate financial institutions. Financial institutions
 shall include, but are not limited to, LPL Financial (“LPL”), Charles Schwab & Co Inc. (“Schwab”), Fidelity Brokerage Services,
 LLC (“Fidelity”), or another broker-dealer recommended by HPAG or directed by the client.

 HPAG’s Agreement and/or the separate agreement with the Financial Institution may authorize HPAG through the Financial
 Institution to debit the client’s account for HPAG’s fee and to directly remit that management fee to HPAG in accordance
 with applicable custody rules. The Financial Institutions recommended by HPAG have agreed to send a statement to the
 client, at least quarterly, indicating all amounts disbursed from the account including the amount of management fees paid
 directly to HPAG.

 In certain circumstances, Clients will incur charges imposed by the Financial Institution and other third parties, such as fees
 charged by Independent Managers, custodial fees, charges imposed directly by a mutual fund or exchange traded fund in
 the account (which shall be disclosed in the fund’s prospectus), deferred sales charges, odd-lot differentials, transfer taxes,
 wire transfer and electronic fund fees, and other fees on brokerage accounts and securities transactions. Clients may incur
 certain fees or charges imposed by third parties in connection with investments made on behalf of the Client’s account[s],
...

Item 7: Types of Clients
 As described in Item 4, HPAG clients include individuals, high net worth individuals, pension and profit-sharing plans, trusts,
 estates, charitable organizations, and corporations or other business entities.

 HPAG requires a minimum account of $5,000 for investment advisory clients, although the minimum is negotiable under
 certain circumstances. HPAG will sometimes group certain related client accounts for the purposes of achieving the
 minimum account size.

 Certain Independent Managers impose more restrictive account requirements and varying billing practices than HPAG. In
 such instances, HPAG can alter its corresponding account requirements and/or billing practices to accommodate those of
 the Independent Managers or wrap program sponsor.