LotusGroup Advisors LLC

Item 5: Fees & Compensation
Please note, unless a Client has received the Adviser's disclosure brochure at least 48 hours before signing the
investment advisory contract, the Client's investment advisory contract may be terminated within five (5) business days
of signing the contract without incurring any advisory fees. LotusGroup Advisors’ payment is dependent upon the
type of advisory service performed. Management fees charged by LGA are generally standardized but may be
negotiable at LGA’s discretion based on factors such as account size, relationship scope, or other considerations.

Fee Schedule
Investment Management Fees
The LotusGroup Advisors' management fee is based solely on the Client's assets under management and investment
strategy selected which are detailed in a Client’s IMA. LotusGroup Advisors does not engage in any compensation
arrangements that involve performance-based fees. LGA may receive additional endorsement fees from third-parties
that is further outlined under Item 14: Client Referrals and Other Compensation. Additionally, certain LGA IARs
may receive compensation through their outside business activities, as described further in Item 10: Other Financial
Industry Activities and Affiliations and in the respective IAR Part 2B Brochure Supplement.
Each strategy and the corresponding fees are detailed in the fee schedule:

                  Assets Under Management                                     Incremental Fee Charged Per Annum
                      Tactical Strategies
                   on the first $1 Million*                                                   1.75%
               On amounts between $1 Million                                                  0.75%
                On amounts over $20 Million                                                   0.50%
                 Global Rotation Strategies
                   On the first $1 Million                                                    1.50%
              On amounts in excess of $1 Million                                              0.75%

                       Index Strategies
                   On the first $1 Million                                                    1.25%
              On amounts in excess of $1 Million                                              0.75%

                  Private Investment Only
                  On the first $1 Million                                                     1.75%
             On amounts in excess of $1 Million                                               0.75%

Certain Clients of LGA may be obtained through the services of an engaged third-party solicitor (a “Solicitor”). Any
such Solicitor arrangements are governed by a written agreement between LGA and the Solicitor (“Solicitor
Agreement”). Please refer to Item 14 of the brochure for details pertaining to LGA’s Solicitor engagements. Clients
obtain through such Solicitor arrangements (referred to as “Solicited Clients”) may be subject to different management
fees than the standard LGA Client fees detailed in the schedule above. The fees paid by Solicited Clients, which are
detailed for each individual Solicited Client in their respective IMA, will vary based on the strategy the Solicited Client
elects to pursue, the total amount of assets managed by LGA for the Solicited Client, scope of services, and other
factors. Solicited Client fees typically range from 0.50% - 1.50% of assets under management, calculated and billed
quarterly based on the market value of the portfolio, as of market close on the last day of every calendar quarter.

Regarding services provided by LGA IARs to qualified retirement plans, including plans governed by ERISA, as
outlined in Item 4 above, LGA will typically charge a fee for these services of 0.50% per annum, billed in arrears either
monthly or quarterly depending on the plan or services provided. LGA at their discretion may elect to waive some or
all of these fees.

Financial planning fees are broken out separately, all of which are clearly articulated in the applicable IMA or Solicitor
Agreement. Please refer to Item 14 of the brochure for more information about LGA’s use of paid Solicitors.
LotusGroup Advisors retains the discretion to negotiate fees. Clients may be able to find advisory services at lower
prices, and LGA maintains the discretion to negotiate fees and has a small subset of Clients with reduced or free fee
schedules.

Advisory fees are calculated quarterly in advance based on the value of the managed assets under management as of
the close of business on the last day of the previous calendar quarter, including cash held in the account. Fees are
deducted mid-quarter on the 45th day of the quarter (or around the 45th day of the quarter if the 45th day lands on a
weekend). For the first quarter, the billing statement is prorated based on the Client's start date. The Client's start date
is the date the funds are initially invested.

LotusGroup Advisors automatically deducts advisory fees from the Client's account. In all cases, the Client receives
an invoice from LotusGroup Advisors before the withdrawal. The Client authorizes withdrawals through a signed
Customer Agreement and written authorization with the Custodian. Invoices are sent to clients at the beginning of
each quarter but no later than the 15th day of the first month in the quarter, along with their quarterly reporting
packet. The Custodian also sends monthly account statements to the Client with the management fee transaction
displayed in its withdrawal month. LotusGroup Advisors sends the Custodian invoices for withdrawal of fees on the
45th day of the quarter. Please refer to Item 15 of the brochure for more information that Clients receive from the
Custodian.

Private investment assets managed by third-parties are valued based on the last reported value from the applicable
...

Item 7: Types of Clients

LotusGroup Advisors provides discretionary and non-discretionary investment advice and supervisory management
services to several types of Clients, including the following:

    •   Private individuals (taxable accounts, retirement accounts, educational accounts).
    •   High-net-worth individuals.
    •   Trusts (personal and business accounts).
    •   Companies and Institutions
    •   Pension and profit-sharing plans (but not the plan participants or government pension plans).
    •   Retirement accounts and other assets that may be deemed subject to ERISA requirements
    •   Other investment advisors.

Minimum Account Size
The minimum asset requirement for new wealth management clients is $500,000. LotusGroup Advisors can make
an exception to the minimum asset requirement at its sole discretion.