Mainstay Capital Management LLC

Item 5. Fees and Compensation

Fee Schedules

Mainstay 401(k) Portfolio Management

This fee schedule applies only to the General Motors, Ford, Stellantis, Aptiv, Allison Transmission, and
UAW International 401(k) plans, as well as State of Michigan 401(k) and 457 plans. The annual fee charged
for investment advisory services is based on a percentage of assets under management as follows:

Assets Managed                                                               MCM Annual Fee
on account assets under $75,000.00                                           1.00%      (0.2500% quarterly)
on account assets from $75,000.01 to $150,000.00 (next $75,000.00)           0.75%      (0.1875% quarterly)
on account assets from $150,000.01 to $250,000.00 (next $100,000.00)         0.50%      (0.1250% quarterly)
on account assets from $250,000.01 to $500,000.00 (next $250,000.00)         0.25%      (0.0625% quarterly)
on account assets from $500,000.01 to $1,000,000.00 (next $500,000.00)       0.20%      (0.0500% quarterly)
on account assets from $1,000,000.01 to $3,000,000.00 (next $2,000,000.00)   0.15%      (0.0375% quarterly)
on account assets in excess of $3,000,000.01                                 Negotiable

Note: For a balance less than $75,000 in any quarter, a minimum quarterly fee of $187 will be charged. A
quarterly administration fee of $25 may be charged if managing more than one 401(k) plan account for an
individual.

Mainstay Wealth Management

The annual fee charged for investment advisory services is based on a percentage of assets under
management as follows:

Assets Managed                                                               MCM Annual Fee
on account assets under $200,000.00                                          1.50%      (0.3750% quarterly)
on account assets from $200,000.01 to $500,000.00 (next $300,000)            1.00%      (0.2500% quarterly)
on account assets from $500,000.01 to $1,000,000.00 (next $500,000)          0.70%      (0.1750% quarterly)
on account assets from $1,000,000.01 to $5,000,000.00 (next $4,000,000)      0.50%      (0.1250% quarterly)
on account assets from $5,000,000.01 to $20,000,000.00 (next $15,000,000)    0.40%      (0.1000% quarterly)
on account assets in excess of $20,000,000.01                                Negotiable

Note: For a balance less than $75,000 in any quarter, a minimum quarterly fee of $280 will be charged. A
quarterly administration fee of $50 may be charged if assets are held in more than one account.

MCM charges its fee based on a percentage of assets under management, which creates an incentive and
conflict of interest to increase assets in that account. Furthermore, MCM has two different fee schedules,
and therefore has a conflict of interest when assets or accounts move from the lower fee schedule to the
higher fee schedule, such as when a client rolls over assets from a 401(k) plan or 457 plan to an IRA. Our
IRA management services are provided pursuant to our wealth management fee schedule above.

MCM has a financial incentive to encourage clients to roll plan assets into an IRA that MCM will manage.
Where MCM recommends that a client roll over their retirement plan assets into an account to be managed
by MCM, such a recommendation represents a conflict of interest as Mainstay will generally earn a new
(or increase its current) advisory fee as a result of the rollover. Clients are under no obligation to roll over
retirement plan assets to an account managed by MCM.

Fees for all accounts are payable quarterly in arrears based on the asset valuation on the last business day
of the current calendar quarter. MCM charges an initial $300 account set-up fee, which may be discounted
at MCM's discretion. Clients requesting profile changes in excess of two times in a three-year period may
be charged a $200 administration fee at MCM’s discretion. Generally, minimum account size is $200,000
for the Mainstay Wealth Management service. In certain circumstances, all fees and account minimums
may be negotiable.

Advisory fees are negotiable based on account size, relationship scope, or other factors. If an advisory
agreement terminates mid-period, fees will be prorated through the termination date.

MCM's fees will vary among clients depending on a client's particular circumstances, including length of a
client's relationship, different fee schedules over time, and the amount of portfolio assets. Also MCM may
from time to time waive, reduce, or adjust a client's quarterly fee depending on a client's particular
circumstances, including accounting for the addition or withdrawal of account assets or funds. Generally,
MCM's advisory fees are charged and prorated based upon the commencement or termination of a client's
relationship with MCM.

Deduction of Fees

The client authorizes MCM to charge MCM’s quarterly advisory fees to client’s designated credit card or
to withdraw the fees from a client’s custodial account. Clients should verify the fee calculation because
neither credit card companies nor custodians perform this function. If fees are not automatically charged to
client’s credit card or withdrawn from a client’s account, the client agrees to make payment within fifteen
(15) days of receipt of an invoice. If payment is not made within sixty (60) days of invoice, MCM may
elect to terminate its portfolio management services under this agreement. Clients who elect to charge
advisory fees to a credit card will be subject to the customary fees and interest charges of the credit card
company.

Other Types of Fees

All fees paid to MCM for investment advisory services are separate and distinct from the fees and expenses
charged by mutual funds and ETFs to their shareholders. These fees and expenses are described in each
fund's and ETF's prospectus. These fees will generally include management fee, other fund expenses, and
a possible distribution fee. If a mutual fund also imposes a sales charge, a client may pay an initial or
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Item 7. Types of Clients

Mainstay Capital Management manages investment portfolios primarily for individuals. A portion of our
assets under management consist of trust and corporate accounts, managed on behalf of individual clients.