Bankoh Investment Services Inc

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client shall sign an Investment Advisory Agreement that details the responsibilities of Bankoh
Advisors and the Client.

A. Fees for Advisory Services
Investment Advisory Fee - Managed Account Program
The Investment Advisory Fee is paid quarterly in advance pursuant to the terms of the Investment Advisory
Agreement. The Investment Advisory Fee is based on the market value of assets under management at the end of
each calendar quarter. In most cases, fees are not negotiable. The Investment Advisory Fee is based on the
following schedule:

                                          Bankoh Investment Services, Inc.
                                    130 Merchant Street, CC #475, Honolulu, HI 96813
                                                 Phone: (808) 694-8500

                       Assets Under Management ($)                 Annual Rate (%)
                    Up to $500,000 *                                   1.00%
                    Next $500,000 (Up to $1,000,000)                   0.85%
                    Next $1,000,000 (Up to $2,000,000)                 0.70%
                    Next $3,000,000 (Up to $5,000,000)                 0.60%
                    Over $5,000,000                                    0.50%
                * Minimum relationship size of $100,000

The Investment Advisory Fee is a wrap fee that includes as a single fee, the Bankoh Advisors’ investment
advisory fee, Program fees, investment management fees for the Investment Manager(s), the administration of
the Program, and trading, clearance and settlement costs related to Program investments. Bankoh Advisors, your
Financial Advisor, the Program Manager, Investment Manager(s), and the Program Broker-Dealer each receive a
portion of the Investment Advisory Fee at rates agreed to by the parties. In the first quarter of service, the
Investment Advisory Fee is prorated from the inception date of the Account(s) to the end of the first quarter.
Although not common, fees may be negotiable at the discretion of the Advisor and Bankoh Advisors’ management.
The annual rate of the Investment Advisory Fee is determined based on the aggregate assets under management
invested in the Program. The designated Custodian will independently value the investments in the Account(s).
Bankoh Advisors will not have the authority or responsibility to value any such investments.

Certain models include investments in shares of a mutual fund that is sub-advised by the Asset Management
Group of Bank of Hawaii (“AMG-BOH”), which is a division of Bank of Hawaii. Bankoh Advisors is a non-banking
subsidiary of Bank of Hawaii and therefore is under common control with AMG-BOH. Under the terms of a sub-
advisory agreement between the fund’s adviser and AMG-BOH, AMG-BOH earns an investment advisory fee
calculated on the net assets of the fund, including assets invested through the Program. This creates a financial
incentive for Bankoh Advisors to recommend these models and creates a potential conflict of interest. To
mitigate this conflict of interest, Bankoh Advisors will not charge clients invested in these models an investment
advisory fee on assets invested in a fund sub-advised by AMG-BOH.

Financial Advisor Compensation
A flat percentage of the Investment Advisory Fee that is allocated to Bankoh Advisors will be paid to Financial
Advisors for their services provided under the Program based on an agreement between Bankoh Advisors and
the Financial Advisor. Bankoh Advisors’ Financial Advisors also have opportunities for selling products or
services in their capacity as broker-dealer registered representatives or licensed insurance agents. The amount
of compensation the Financial Advisor receives from a managed account can be more or less than what Bankoh
Advisors and the Financial Advisor would receive if the Client paid separately for investment advice, brokerage,
and other services, depending on a number of factors, including the size of the managed account, changes in its
value over time, and the number of transactions. This presents a conflict of interest for the Financial Advisor who
may have a financial incentive to recommend the Program, based on the Financial Advisor receiving ongoing
and potentially higher compensation for the Client’s participation in the Program, as opposed to the
compensation a Financial Advisor would receive if the services were provided separately. We help mitigate this
risk by reviewing all recommendations prior to implementation to ensure that the type of account your Financial
Advisor recommends is suitable for you. Your Financial Advisor’s overall production and compensation
arrangement with us determines the percentage of the Program fee that he or she earns. Generally, the higher
the Financial Advisor’s overall production, the higher the Financial Advisor’s compensation will be.

Financial Planning Services
Bankoh Advisors offers financial planning services for existing customers or qualified prospective customers with a
minimum of $100,000 in investable assets. There is no charge to the client for completing a financial plan and no
obligation to implement any aspect of the financial plan. The Client has the sole responsibility for deciding whether,
and how, to implement the financial plan. Bankoh Advisors may provide financial planning services in conjunction
with an investment advisory or brokerage account or separately but will not charge a separate fee for these
services.

                                           Bankoh Investment Services, Inc.
                                     130 Merchant Street, CC #475, Honolulu, HI 96813
                                                  Phone: (808) 694-8500

B. Fee Billing
Investment Advisory Fee
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Item 7 – Types of Clients
Bankoh Advisors offers investment advisory services to individuals, high net worth individuals, trusts, estates,
non-profits, retirement plans, and corporate clients. The relative number for each type of Client is available on
Bankoh Advisors’ Form ADV Part 1. These numbers will change over time. Bankoh Advisors generally requires
a minimum relationship size of $100,000 to effectively implement its investment process. Certain unaffiliated
managers may also have more restrictive minimums for investment in a particular strategy.