Masus Financial Group Ltd

Item 5 – Fees and Compensation of the Disclosure Brochure for complete details on fees.

C. Fees
Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
investment advisory agreement. Investment advisory fees are based on the market value of assets under
management at the end of the prior calendar quarter. Investment advisory fees typically range from 0.50% to 1.50%
annually based on several factors, including: the complexity of the services to be provided, the level of assets to be
managed, and the overall relationship with the Advisor. Relationships with multiple objectives, specific reporting
requirements, portfolio restrictions and other complexities may be charged a higher fee.

The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed
by MFG will be independently valued by the Custodian. MFG will conduct periodic reviews of the Custodian’s
valuations.

As noted above, the Wrap Fee Program includes normal securities trading costs incurred in connection with the
discretionary investment management services provided by MFG. Securities transaction fees for Client-directed
trades may be charged back to the Client.

Clients may incur certain fees or charges imposed by third parties in connection with investments made on behalf of
the Client’s account[s]. All fees paid to MFG for investment advisory services or part of the Wrap Fee Program are
separate and distinct from the expenses charged by mutual funds and exchange-traded funds (“ETFs”) to their
shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and
expenses will generally be used to pay management fees for the funds, other fund expenses, account
administration (e.g., custody, brokerage and account reporting), and a possible distribution fee. Additionally,
account activity fees, such as electronic funds and wire transfers fees, certificate delivery fees, markups and
markdowns, bid-ask spreads, selling concessions, and other miscellaneous fees and expenses as outlined in the
                                               Masus Financial Group, Ltd.
                                        515 N. River St. Suite #100, Batavia, IL 60510
                                                   Phone: (630) 879-8464
                                               http://www.masusfinancial.com

account opening paperwork executed with the Custodian, are generally charged to the Client. Clients are
encouraged to refer to the account opening paperwork executed with the Custodian for an outline of all third party
fees not covered under this Wrap Fee Program.

The Advisor does not control nor share in any of these third party fees. The Client should review all fees charged by
the fund[s], third parties and MFG to fully understand the total fees to be paid. Please see Item 5.C. – Other Fees
and Expenses in the Disclosure Brochure (included with this Wrap Fee Program Brochure).

D. Compensation
MFG is the sponsor and portfolio manager of this Wrap Fee Program. MFG receives investment advisory fees
paid by Clients for participating in the Wrap Fee Program and pays the Custodian for the costs associated with
the normal trading activity in the Client’s account[s].

Item 5 – Account Requirements and Types of Clients

MFG offers investment advisory services to individuals, high net worth individuals, trusts, estates, charitable
organizations, and businesses. MFG generally does not impose a minimum account size for establishing a
relationship. Please see Item 7 – Types of Clients in the Disclosure Brochure for additional information.

Item 6 – Portfolio Manager Selection and Evaluation

Portfolio Manager Selection
MFG serves as sponsor and as portfolio manager for the services under this Wrap Fee Program.

Related Persons
MFG personnel serve as portfolio managers for this Wrap Fee Program. MFG does not serve as a portfolio
manager for any third-party wrap fee programs.

Item 7 – Types of Clients
MFG offers investment advisory services to individuals, high net worth individuals, trusts, estates, and
businesses. The amount of each type of Client is available on the Advisor's Form ADV Part 1A. These amounts
may change over time and are updated at least annually by the Advisor. MFG generally does not impose a
minimum size for establishing a relationship.