Kessler Investment Group LLC

Fees and Compensation
Standard Fee Schedule - Separately Managed Accounts
KIG is compensated for our advisory services and for providing strategy portfolios
by receiving fees from the client. For strategy portfolios and non-discretionary
services, the basic fee schedule is based upon a percentage of the client’s assets
under management.

Annual Rate of Compensation            Market Value of Assets Managed
           1.75%                                  First $200,000
           1.50%                                  Next $300,000
           1.00%                                  Amount over $500,000

These annual fees shall be negotiable in certain cases. No increase in the annual fee
shall be effective without prior written notification to the Client. Generally, KIG
requires a minimum annual advisory fee of $175.

Project Based Financial Planning
Project Based Planning is done on a fee basis that is calculated using a quasi-
hourly rate based upon the complexity level of the situation and the estimated time
involved. A fee range is quoted at the time that the Advisory Agreement is
discussed and signed. This agreement outlines the scope of the engagement. The

timing of the payment of fees will be determined at the signing of the Advisory
Agreement.

Fee Billing
Fees are billed quarterly in advance. When an account is opened on a day other
than the first day of a quarter, the fee will be pro-rated for the number of days in
the quarter the account was open. An investment advisory agreement may be
canceled by written notice to the other party, as provided in the client agreement:

   ● at any time
   ● by either party
   ● for any reason

Any prepaid, unearned fees will be promptly refunded on a prorated basis based on
the number of days the household or client relationship was under management
during the quarter. If your account is closed or moved to another custodian or
broker-dealer, the custodian may charge you commissions, account closure fees,
and other expenses associated with the liquidation and/or transfer of the account.
Unless the Client requests direct billing, fees will be automatically deducted from
the account. Clients will be provided with a quarterly statement from their
custodian reflecting deduction of the advisory fee.

Other Fees
Clients are responsible for custodial fees and transaction costs. The client will pay
charges imposed directly by a mutual fund, index fund, or exchange traded fund
which shall be disclosed in the fund’s prospectus (i.e., fund management fees and
other fund expenses), wire transfer fees and other fees and taxes on brokerage
accounts and securities transactions. All transactional costs and charges are the
responsibility of the Client.

Upon client request, we will assist with special projects including those that
involve lengthy research and/or communication with the client’s attorney or tax
advisor. Fees for such services are based on a negotiated hourly rate, due at the
time of service.

Sub-Adviser Management Services: KIG offers sub-adviser management
services to clients of other investment management and insurance firms and earns
related compensation.

Under the sub-adviser relationships, the investment management or insurance firm
invoices the client, collects the fee and compensates KIG its portion of the fee on a
quarterly basis. The portion of the clients’ annual asset-based fee that KIG earns in
return for its sub-advisory services varies by firm. Clients may obtain a copy of
the agreement between KIG (and in some cases also with the client) and their

investment management or insurance firm by contacting their management or
insurance firm representative, or in cases where the agreement is between KIG, the
client and the management firm, a copy of the agreement may be obtained from
KIG or the management firm.

Performance-Based Fees & Side-by-Side Management

KIG and our supervised persons do not accept any performance-based fees (fees
based on a share of capital gains on or capital appreciation of the assets of a client).

Types of Clients

KIG provides asset management services to:

   ●   Individuals
   ●   High Net Worth Individuals
   ●   401K Plans and Profit-Sharing Plans
   ●   Trusts and Estates
   ●   Charitable Organizations
   ●   Other Investment Management Firms

Although KIG does not require a minimum account size, KIG requires a minimum
annual advisory fee of $175.00.

Methods of Analysis, Investment Strategies and Risk of Loss