Polaris Greystone Advisory Group LLC

ITEM 5 - FEES AND COMPENSATION

Fees for Qualified Plans

        Fee arrangements for qualified plans are individually negotiated, with the plan sponsor,
depending on the nature of the engagement and the client’s distinct situation including the size of
their assets under advisement and other factors. Generally, our annual investment management
fee is billed and payable quarterly, in advance, based on the value of the plan’s assets as of the
last day of the prior quarter, as reported by the plan’s custodian and upon appropriate valuation
Form ADV Part 2A                                  2               Polaris Greystone Advisory Group, LLC
September 9, 2020

information. If the investment advisory agreement is executed at any time other than the first day
of a calendar quarter, our fees will apply on a pro rata basis.

Fees for Participant Advice

        If the plan fiduciary elects us to offer investment advice as an additional service to plan
participants, we will negotiate the participant advice fee with the plan fiduciary. The participant
fee will be described in our investment advisory agreement with the plan fiduciary. These fees
may be paid by the participant using their assets in the plan or by the plan sponsor. The plan
sponsor will notify participants of this service and the negotiated fee.

        Our annual participant advice services fee is an asset based fee, billed and payable
quarterly, in advance, based on the value of the accounts of those plan participants electing
advice services as of the last day of the prior quarter as reported by the plan’s custodian or third
party recordkeeper. If the investment advisory agreement is executed at any time other than the
first day of a calendar quarter, our fees will apply on a pro rata basis.

Termination

        Either of us may terminate the investment advisory agreement at any time by providing
the other party with 30 days written notice. With respect to any prepaid fee, a prorated portion of
the prepaid amount will be returned based on the number of days remaining in the applicable
quarterly period after the termination date. With the exception of any advisory fees due and
owing upon termination, we will not be entitled to any additional termination charge or
termination fee. Termination of our agreement shall not affect liabilities or obligations incurred
or arising from transactions initiated under our agreement prior to the termination date, such as
the purchase of investments by us for your account. After the termination date, we shall have no
further duties or obligations to you under our agreement.

Additional Fees and Expenses

        As part of our investment advisory services to you, we may recommend that you invest in
mutual funds and exchange traded funds. The fees that you pay to our firm for investment
advisory services are separate and distinct from the fees and expenses charged by mutual funds
and exchange traded funds (described in each fund’s prospectus). These fees will generally
include a management fee and other fund expenses. To fully understand the total cost you will
incur, you should review all the fees charged by mutual funds and exchange traded funds, our
firm, and others.

ITEM 7 - TYPES OF CLIENTS

       We offer investment advisory services to qualified retirement plans and investement
education to participants of those plans. As described in “ITEM 4: ADVISORY SERVICES”,
we may provide investment advice to plan participants.

        We require a $500,000 minimum account size to open and maintain an account. At our
discretion, we may waive this minimum.