Redwood Investment Group Inc

Item 5: Fees & Compensation
  1. Asset Management

  The maximum annual fee charged for this service will not exceed 2.00%. Fees to be assessed will be
  outlined in the advisory agreement to be signed by the Client. Annualized fees are billed on a pro-rata
  basis quarterly in advance based on the value of the account(s) on the last day of the previous
  quarter. Fees are negotiable and will be deducted from client account(s). In rare cases, our firm will
  agree to directly invoice. As part of this process, Clients understand the following:

  2. Comprehensive Portfolio Management:

            Assets Under Management             Annual Percentage of Assets Charge
                    Any Assets                             Up to 2.00%

  Our firm’s fees are billed on a pro-rata annualized basis quarterly in advance based on the value of
  your account on the last day of the previous quarter. Our fees are generally negotiable.

  Fees will generally be automatically deducted from your managed account. As part of this process,
  you understand and acknowledge the following:

     a) Custodian sends statements at least quarterly to Clients showing all disbursements for their
        account, including the amount of the advisory fees paid to our firm;
     b) The Client has provided authorization permitting fees to be directly paid by these terms;
     c) Custodian or Firm calculates the advisory fees and deducts them from the Client’s account.

         *In rare cases, we will agree to directly bill clients.

  3. Additional Fees & expenses

  Clients may incur transaction charges for trades executed in their accounts. These transaction fees
  are separate from our fees and will be disclosed by the firm that the trades are executed through.
  Also, clients will pay the following separately incurred expenses, which we do not receive any part
  of: 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).

  4. Termination of Agreement – Refunds

  We charge our advisory fees quarterly in advance. In the event that you wish to terminate our
  services, we will refund the unearned portion of our advisory fee to you. You need to contact us in
  writing and state that you wish to terminate our services. Upon receipt of your letter of termination,

   we will proceed to close out your account and process a pro-rata refund of unearned advisory fees.

   5. Commissionable Securities Sales.

   In order to sell securities for a commission, our supervised persons are registered representatives of
   LPL Financials, LLC (“LPL”), member FINRA/SIPC. Our supervised persons may accept compensation
   for the sale of securities or other investment products, including distribution or service (“trail”) fees
   from the sale of mutual funds. You should be aware that the practice of accepting commissions for
   the sale of securities:

       a) Presents a conflict of interest and gives our firm and/or our supervised persons an incentive
          to recommend investment products based on the compensation received, rather than on your
          needs. We generally address commissionable sales conflicts that arise:
           i.   when explaining to clients that commissionable securities sales create an incentive to
                recommend products based on the compensation, we and/or our supervised persons
                may earn and may not necessarily be in the best interests of the client;
          ii.   when recommending commissionable mutual funds, explaining that “no-load” funds
                are also available.
       b) In no way prohibits you from purchasing investment products recommended by us through
          other brokers or agents which are not affiliated with us.

   6. Retirement Accounts

   When we provide investment advice to you regarding your retirement plan account or individual
   retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income
   Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement
   accounts. The way we make money creates some conflicts with your interests, so we operate under a
   special rule that requires us to act in your best interest and not put our interest ahead of yours. Under
   this special rule’s provisions, we must:
       a) Meet a professional standard of care when making investment recommendations (give
           prudent advice);
       b) Never put our financial interests ahead of yours when making recommendations (give loyal
           advice);
       c) Avoid misleading statements about conflicts of interest, fees, and investments;
       d) Follow policies and procedures designed to ensure that we give advice that is in your best
           interest;
       e) Charge no more than is reasonable for our services; and
       f) Give you basic information about conflicts of interest.

Item 7: Types of Clients & Account Requirements
We offer our services to the following types of clients:
       a) Individuals and High Net Worth Individuals;
       b) Trusts, Estates or Charitable Organizations;
       c) Pension and Profit Sharing Plans;
       d) Corporations, Limited Liability Companies and/or Other Business Types

We do not have requirements for opening and maintaining accounts or otherwise engaging us.