INTRODUCTION The InR Team offers investment advisory services to its clients which include individuals, pension and profit-sharing plans, corporations or other business entities, trusts, endowments, and state or municipal government entities. The InR Team does not hold itself out as providing financial planning, estate planning or accounting services. THE INR TEAM WRAP PROGRAM SPONSORED BY CBIZ INVESTMENT ADVISORY SERVICES, LLC The InR Team of CBIZ Investment Advisory Services, LLC is the sponsor and investment manager of the Wrap Program (hereinafter the “Program”). Under the Program, the InR Team is able to offer participants discretionary investment management services for a single specified negotiable annual Program fee, inclusive of trade execution, custody, reporting, and investment advisory fees. The annual Program fee, which ranges between 0.10% and 2.0%, shall be based upon various objective and subjective factors, including but not limited to: the amount of the assets placed under the InR Team’s direct management through the Program, the complexity of the engagement, and the level and scope of the overall investment advisory services to be rendered. (See also Fee Differentials discussion below.) Defined Benefit Plans, individual investors and other valid Post-Employment Benefit Plans can engage the InR Team to provide investment advisory services on a wrap fee basis. Under the Program, the InR Team shall be provided with written authority to determine which securities and the amounts of securities that are bought or sold. Any limitations on this discretionary authority shall be included in the written agreement between each client and the InR Team. Clients may change/amend these limitations, in writing, at any time. The client shall have reasonable access to one of the InR Team’s investment professionals to discuss their account. The assets for Program accounts will be custodied with a third party chosen by the InR Team.  FEE DIFFERENTIALS The InR Team shall receive an annual Program fee based upon a percentage (%) of the market value of the assets placed under management, generally between 0.10% and 2.0%. However, fees shall vary depending upon various objective and subjective factors, including but not limited to: the representative assigned to the account, the amount of assets to be invested, the complexity of the engagement, the anticipated number of meetings and servicing needs, related accounts, future earning capacity, anticipated future additional assets, and negotiations with the client. As a result, similar clients could pay different fees, which will correspondingly impact a client’s net account performance. Moreover, the services to be provided by the InR Team to any particular client could be available from other advisers at lower fees. All clients and prospective clients should be guided accordingly.  FEE PAYMENT Clients will be charged in advance at the beginning of each calendar quarter based upon the value (market value or fair

market value in the absence of market value, plus any credit balance or minus any debit balance), of the client's account at the end of the previous quarter. Fees are prorated for accounts opened or terminated during a calendar quarter.  INVESTMENT PERFORMANCE As a condition to participating in the Program, the participant must accept that past performance may not be indicative of future results, and understand that the future performance of any specific investment or investment strategy (including the investments and/or investment strategies purchased and/or undertaken by the InR Team) may not: (1) achieve their intended objective; (2) be profitable; or (3) equal historical performance level(s) or any other performance level(s).  TERMINATION OF ADVISORY RELATIONSHIP A client agreement may be canceled at any time, by either party, for any reason upon receipt of prior written notice, unless otherwise agreed to by contract. Upon termination of any account, any prepaid, unearned fees will be promptly refunded, and any earned, unpaid fees will be due and payable. The client has the right to terminate an agreement without penalty within five (5) business days after entering into the agreement. CBIZ Investment Advisory Services, LLC THE INR TEAM WRAP BROCHURE │ 5 WRAP PROGRAM CONFLICT OF INTEREST Although the InR Team has provided investment management services on a non-wrap fee in the past and certain legacy clients may still receive services from the InR Team on a non-wrap fee basis, the InR Team provides services on a wrap fee basis as a wrap program sponsor for new clients. Under the InR Team’s wrap program, the client generally receives investment advisory services, the execution of securities brokerage transactions, custody and reporting services for a single specified fee. Participation in a wrap program may cost the client more or less than purchasing such services separately. Because wrap program transaction fees and/or commissions are being paid by the InR Team to the account custodian/broker-dealer, the InR Team could have an economic incentive to minimize the number of trades in the client's account. The Program fee does not include certain charges and administrative fees, including, but not limited to, internal fund expenses, transaction charges (including markups and mark-downs) resulting from trades effected through or with broker-dealers, transfer taxes, odd lot differentials, exchange fees, interest charges, American Depository Receipt agency processing fees, IRA account fees, and any charges, taxes or other fees mandated by any federal, state or other applicable law or otherwise agreed to with regard to client accounts. Such fees and expenses are in addition to the Program wrap fee. The InR Team’s related persons who recommend the the InR Team Services Wrap Fee program to clients do not receive compensation as a result of a client’s participation in the wrap fee program. CBIZ Investment Advisory Services, LLC THE INR TEAM WRAP BROCHU RE │ 6