BNB Wealth Management LLC

Item 5 – Fees and Compensation

 In addition to the information provided in Item 4 – Advisory Business, this section provides additional
 details regarding our firm’s services along with descriptions of each service’s fees and compensation
 arrangements.

 Asset Management Services
 BNB Wealth Management Program accounts are serviced by our introducing broker-dealer (CSM) and
 their Custodian (RJA) in each one's capacity as a registered broker-dealer regulated by FINRA (the
 Financial Industry Regulatory Authority) and a member of SIPC (the Securities Investor Protection
 Corporation). CSM is also an investment advisor registered with the SEC but does not serve as an
 investment advisor for you through the BNB Wealth Management Program. Raymond James &
 Associates provides clearing, custody and other brokerage services for accounts established through the
 BNB Wealth Management Program. You are required to establish a brokerage account(s) through CSM.
 Separate accounts are maintained for you, and you retain all rights of ownership of your accounts (e.g., the

Form ADV 2A with Appendix-1

 right to withdraw securities or cash, exercise or delegate proxy voting, and receive transaction
 confirmations). Under the BNB Wealth Management Program, we are able to offer participants investment
 management services, for a negotiable single specified or tiered annual Program fee, inclusive of trade
 execution, custody, reporting, and investment management fees.

 Fees For Investment Advisory Services
 BNB's Advisory Fee for providing investment advisory advice is calculated as a percentage of assets under
 management in the account, payable in arrears on a quarterly basis and is specified in the investment advisory
 agreement that all clients must review and sign. The maximum Advisory Fee is 1.75% per annum. BNB and the
 Custodian (RJA) receive a portion of the Advisory Fee as does the IAR as his or her compensation. The services to
 be provided by BNB Wealth Management to any particular client may be available from other advisors at lower
 fees. (See also Fee Differential discussion in Item 4 – Advisory Business above.)

 Limited Negotiability of Advisory Fees: We retain the discretion to negotiate alternative fees on a client-by- client
 basis. The specific annual fee is identified in the investment management agreement between the IAR and each
 client. Client facts, circumstances and needs are considered in determining the fee schedule.

 These include but are not limited to:

    •   Complexity of the client;
    •   Assets to be placed under management;
    •   Anticipated future additional assets;
    •   Related accounts;
    •   The investment experience and financial sophistication of the client;
    •   Account composition

 Fees When Participating In Wrap Fee Programs Sponsored By BNB
 For clients who participate in the Program, the client will pay a “Wrap Fee” which includes investment advisory
 services as well as brokerage execution costs, without regard to the number of transactions executed during the
 billing period. BNB has negotiated fees with CSM and RJA for clearing and execution services.
 Transaction costs imposed by CSM and RJA are covered as part of the Wrap Fee. The fee is calculated on a
 quarterly basis, based upon assets in the client account and based on the average daily market value over the prior
 quarter for each account under management. The IAR is paid from this Wrap Fee. The maximum Wrap Fee is
 1.75% per annum based upon the market value of the securities and cash or cash equivalents in the client’s account
 and the complexity of the client services provided.

 The Wrap Fee does not include certain account and securities related costs, including the fees embedded in the
 mutual funds, ETFs or annuities in which wrap fee accounts invest. In addition, the fee does not include debit
 balances, related margin interest, IRA and retirement plan fees, transfer fees, wire transfer fees, overnight check
 fees, account closing fees, paper statement delivery fees, non-standard asset fees, insufficient fund fees, returned
 check fees, precious metal storage fees, alternative asset fees, expenses charged by the mutual funds, expenses
 charged by the variable annuities and exchange traded funds, or other fees or taxes that are required by law. These
 fees will increase the net cost to the clients.

Form ADV 2A with Appendix-1

 Program Wrap Fees may vary from fees that might otherwise be charged if a client was to select a separate
 brokerage service and negotiate commissions in the absence of the additional advisory service provided by
 BNB. The overall cost associated with a client’s relationship with BNB (and the compensation we receive)
 varies depending on several factors including but not limited to, the client’s particular investment advice
 and service requirements, product preferences and the value of a client’s account or the client’s
 household’s relationship with the Firm.

 For All Accounts
 The annual fee is divided and paid quarterly in arrears through a direct debit to your account. Our Firm
 directly debits advisory fees from client accounts based on the average daily value and in arrears the month
 after the quarter end. As part of this billing process, the account custodian is advised of the amount of the fee
 to be deducted from that client's account. On at least a quarterly basis, the custodian is required to send to the
 client a statement showing all transactions within the account during the reporting period. Because the
 custodian does not calculate the amount of the fee to be deducted, it is important for clients to carefully
 review their custodial statements to verify the accuracy of the calculation, among other things. Clients should
 contact us directly if they believe that there may be an error in their statement. BNB does not have actual or
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Item 7 – Types of Clients

  BNB may offer financial planning and investment advisory services for individuals, and in particular,
  retirees and business owners, high net worth individuals, trusts, endowments, small businesses, and benefit
  plans. Our typical clients are those who are experienced and comfortable with saving and investing for their
  retirement and their family’s future, board members and/or trustees acting on behalf of the trust or
  organization they represent, or business owners looking for an advisory to assist them in making prudent
  investment decisions for their benefit plans.