Blue Fin Capital Inc

Item 5 Fees and Compensation
Portfolio Management Services
Our fee for Portfolio Management Services is calculated and is due and payable quarterly in
arrears based upon the market value of the assets in your account on the last day of the
quarter. Deposits and withdrawals are pro-rated based on the number of days they are in the account
for the quarter.

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Broker-dealers and other financial institutions that hold client accounts are referred to as custodians
("custodian/ broker-dealer"). Your custodian/broker- dealer determines the values of the assets in your
portfolio.

Fees for the initial quarter are based on the value of your cash and securities on the date the
custodian/broker-dealer receives them. If the portfolio management agreement is executed at any time
other than the first day of a calendar quarter, our fees will apply on a pro rata basis, which means that
the advisory fee is payable in proportion to the number of days in the quarter for which you are a
client. Our advisory fee is negotiable, depending on individual client circumstances. Our fee schedule
uses a tiered method and is described below:

Assets under Management                         Advisory Fee
First $2,000,000                                 1.25%
Over $2,000,000                                  0.85%

For new accounts we charge advisory fees to each account in a household an average fee based on
the fee schedule above across all household accounts. To illustrate, under a tiered fee method, the fee
on a total household valued at $2,500,000 would be charged as follows: the first $2,000,000 would be
charged at 1.25% and the remaining $500,000 charged at 0.85%with the total household fee allocated
equally across each household account based upon each account's percentage of the total household.
Existing clients are grandfathered in under their old fee schedule.

At our discretion, we may combine the account values of family members living in the same
household to determine the applicable advisory fee. 529 plan assets are not included when combining
accounts for multiple family members. 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 above.

You must authorize us to have the custodian/broker-dealer pay us directly by charging your account.
This authorization must be provided in writing. One-fourth of the annual fee is charged each calendar
quarter.

Your custodian/broker-dealer provides you with statements that show the amount paid directly to us.
You should review the statement from your custodian/broker-dealer and verify the calculation of our
fees. Your custodian/broker-dealer does not verify the accuracy of fee calculations. In some cases, we
may invoice clients directly for the payment of our fees.

You or our firm may terminate the portfolio management agreement upon notice. Should either one of
us terminate the advisory agreement we have entered into before the end of a billing period, you will
be charged a pro-rata fee for that quarter. The amount to be charged to you is based on the number of
days in the quarter in which you were a client based on the value of the account as of the date of
termination. This amount, which equals the amount we earned for the partial quarter, is charged for
our fee for that quarter.

529 Plan Management Services
The annual fee for Blue Fin's management of 529 plan assets will 0.50% based on the market value of
the account, including cash holdings. The fee is stated as a maximum and is negotiable between Blue
Fin and the client. The amount of the fee will be as stated in the written investment advisory
agreement. The advisory fees noted above are for the 529 plan management only and do not include
any other fees and charges that may be charged separately by the 529 plan sponsor. Blue Fin does
not receive any portion of these charges. All 529 plan sponsor fees are separate and distinct from the

                                                                            ©2017 National Compliance Services 800-800-3204

fees paid to Blue Fin for investment advisory services. Clients should also be aware that tax
considerations related to purchasing a 529 plan account can be complex. For example, if your state of
residence offers any tax benefit for purchasing an in-state 529 plan, you would be foregoing those tax
benefits by purchasing an out-of-state 529 plan.

Additional Fees and Expenses
In addition to our fee, you may be required to pay other charges such as:

    •   custodial fees,
    •   brokerage commissions,
    •   transaction fees,
    •   internal fees and expenses charged by mutual funds or exchange traded funds ("ETFs"), and
    •   other fees and taxes on brokerage accounts and securities transactions.

None of these fees are paid to or are shared with Blue Fin Capital, Inc.

Mutual fund companies, ETFs, and variable annuity issuers charge internal fees and expenses for their
products. These fees and expenses are in addition to any advisory fees charged by us. Complete
details of these internal fees and expenses are explained in the prospectuses for each investment. You
may ask us any questions you have about fees and expenses.

If you purchase mutual funds through the custodian/broker-dealer, you may pay a transaction fee that
would not be charged if the transactions were made directly through the mutual fund company. Also,
mutual funds held in accounts at brokerage firms may pay internal fees that are different from funds
held at the mutual fund company.

While you may purchase shares of mutual funds directly from the mutual fund company without a
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Item 7 Types of Clients
We provide advisory services primarily to high net worth individuals, including their trusts, estates and
retirement accounts. We also provide services to corporations or business entities including their
pension and profit-sharing plans, and to charitable organizations.

As a condition for starting and maintaining an advisory relationship, we generally require a minimum
portfolio size of $1,000,000 We, at our sole discretion, may accept clients with smaller portfolios based
upon certain factors including anticipated future earning capacity, anticipated future additional assets,
account composition, related accounts, and pre-existing client relationships. We may consider the
portfolios of your family members to determine if your portfolio meets the minimum size requirement.