Strategic Equity Management Inc

Fees and Compensation
      Description
         Annual fees are based on a percentage of assets under management as
         follows. Client assets are totaled and charged the fee for the respective
         account based on that total amount. At our discretion, we may combine the
         account values of family members living in the same household to determine
         the applicable advisory fee. For example, we may combine account values
         for you and your minor children, joint accounts with your spouse, and other
         types of related accounts. Combining account values may increase the asset
         total, which may result in your paying a reduced advisory fee based on the
         available breakpoints in our fee schedule stated below. We may also, in our
         sole discretion, negotiate or waive fees for certain accounts.
           Most SEM Clients are referred to SEM management by non-affiliated
           Financial Advisors (“FA”). SEM collects management fees from our Clients
           and then shares the management fee with the referring Financial Advisor’s
           Supervisory Authority. In the Fee Tables below the total management fee
           collected is the sum of the SEM fee plus the Financial Advisor fee.

           Tactical Programs:
           Income Allocator (INA), Tactical Bond (TB), Cornerstone Bond (CB), Tax
           Advantaged Bond (TAB), Enhanced Growth Allocator (EGA) and Momentum
           Stock Model (MSM)
           Asset Level for Breakpoints                   SEM Fee     FA Standard Fee*
           $250,000 and Less                               1.12%          1.12%
           $250,001 to $500,000                            1.05%          1.05%
           $500,001 to $1,000,000                          0.97%          0.97%
           $1,000,001 to $1,500,000                        0.90%          0.90%
           $1,500,001 to $2,000,000                        0.82%          0.82%
           $2,000,001 to $4,000,000                        0.75%          0.75%
           $4,000,001 and greater                          0.67%          0.67%

           Dynamic Programs:
           Dynamic Income Allocator (DIA), Dynamic Balanced Allocator (DBA),
           Dynamic Asset Allocator (DAA), and Dynamic Aggressive Growth (DAG)
           Asset Level for Breakpoints                   SEM Fee     FA Standard Fee*
           $250,000 and Less                               0.75%          0.75%
           $250,001 to $500,000                            0.70%          0.70%
           $500,001 to $1,000,000                          0.65%          0.65%

Strategic Equity Management, Inc., DBA SEM Wealth Management (SEM)                March 24, 2026

           $1,000,001 to $1,500,000                        0.60%       0.60%
           $1,500,001 to $2,000,000                        0.55%       0.55%
           $2,000,001 to $4,000,0001                       0.50%       0.50%
           $4,000,001 and greater                          0.45%       0.45%
           •   For both Tactical and Dynamic Programs, the FA fee can be selected to
               be a Flat Fee not to exceed 1.12% by electing this option on SEM’s New
               Account Form (“NAF”). The NAF designates the specific Client account(s)
               and is signed by our Client at account opening.
           •   The breakpoints for both Tactical and Dynamic Programs are flat, not
               layered, based on the total assets in the respective account.

           Strategic Programs (AmeriGuard & Cornerstone excluding CB which is a
           Tactical Program):
           SEM charges a Flat Fee of 0.50% with no break points for Strategic Program
           management and a Financial Advisor can add up to a 1.12% Flat Fee based
           on assets under management for a maximum fee of 1.62%.

           Platinum Program:
           Platinum Program accounts can consist of a blend of SEM managed
           programs and investments in other assets like funds or stocks for example.
           SEM’s fee for the portion not invested in a SEM managed program is a Flat
           Fee of 0.25% and for SEM managed programs the fee is as outlined above in
           each program category respectively. In addition to the 0.25% fee and/or the
           SEM program fee the Financial Advisor can add up to a 1.12% flat fee. The
           maximum total fee for a Platinum account is 2.24%.
           SEM's default management fee schedule is shown above. ENCORE
           portfolios are a blend of programs where the fee is also blended based on
           individual program selection. Unless otherwise instructed on the SEM New
           Account Form (NAF), SEM Portfolio Allocation and Fee Addendum (PAFA),
           or formerly SEM Advisor’s Choice Fee Schedule Addendum (ACFS), SEM
           will charge the indicated fees above. Fees are based on total household
           assets for programs with breakpoints; fees are flat, not layered (i.e. all assets
           charged the same rate); Clients are encouraged to review the overall level of
           assets to ensure they are paying the lowest possible fees. Maximum Annual
           Fee for all accounts is 2.25%.
           SEM reserves the right to charge a different management fee, no greater than
           2.25% annually on any account value in its sole discretion.
           Fees are based on the account value at the end of each calendar quarter. A
           time-pro-rated adjustment is made to the fee basis to account for any
           additions or withdrawals made to the account during the quarter.

Strategic Equity Management, Inc., DBA SEM Wealth Management (SEM)              March 24, 2026

           SEM programs utilize cash and/or money market as an asset class and
           include the value of cash and/or money market when we calculate our fee.
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Types of Clients
      Description
         SEM generally provides investment advice to individuals, pension and profit
         sharing plans, trusts, estates, charitable organizations, government entities,
         corporations or business entities.
           When we provide investment advice to pension, profit sharing, and 401(k)
           plans where there are individual accounts with participants choosing our
           investment service as one of several options offered through the plan. Our
           service is designed to achieve an investment goal selected by the plan. In
           these situations we do not provide plan participants with individualized
           investment management services and do not base our recommendations on
           the individual needs of plan participants.

      Account Minimums
         The minimum account size is $50,000 of assets under management. SEM
         has the discretion to waive the account minimum.

Methods of Analysis, Investment Strategies and Risk of Loss