CapStar Financial Services LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management fees

        Total Assets Under Management           Annual Fees
                $0.00 - $250,000                       Up to 2.00%

                $250,000 — and up                      Up to 1.75%

This annual fee shall be paid quarterly, in advance, based upon the market value of the
Assets on the last business day of the previous quarter or the annual fee shall be paid
monthly, in arrears, based upon the daily average balance of the previous month. If a client
starts investing in the middle of a billing cycle the fees will be pro-rated.

These fees are generally negotiable, and the final fee schedule will be memorialized in the
client's advisory agreement. If a client has multiple accounts, Capstar Financial will
aggregate the account balances to lower the fees. Clients may terminate the agreement
without penalty for a full refund of Capstar Financials' fees within five business days of
signing the Investment Advisory Contract. Thereafter, clients may terminate the
Investment Advisory Contract immediately upon written notice, and the fees will be pro-
rated.

Financial Planning fees

Fixed Fees

The negotiated fixed rate for creating client financial plans is between $500 and $5,000.

Clients may terminate the agreement without penalty, for full refund of Capstar Financials'
fees, within five business days of signing the Financial Planning Agreement. Thereafter,
clients may terminate the Financial Planning Agreement generally upon written notice.

Educational Seminar/Workshop fees

Capstar Financial will charge no fee for a retirement elevated course.

Selection of Other Advisers Fees

In addition to the advisory fees paid to Capstar, clients also incur certain charges
imposed by other third parties, such as broker-dealers, custodians, trust companies,
banks, and other financial institutions (collectively “Financial Institutions”). These
additional charges include securities brokerage commissions, transaction fees,
custodial fees, margin costs, fees attributable to alternative assets utilized by the Third-
Party Money Managers, reporting charges, fees charged by the Third-Party Money
Managers, charges imposed directly by a mutual fund or ETF in a client’s account, as
disclosed in the fund’s prospectus (e.g., fund management fees and other fund

expenses), deferred sales charges, odd-lot differentials, transfer taxes, wire transfer
and electronic fund fees, and other fees and taxes on brokerage accounts and securities
transactions. The Firm’s brokerage practices are described at length
in Item 12, below.

Adviser will provide investment advisory services and portfolio management services
but will not provide custodial or other administrative services. At no time will Adviser
accept or maintain custody of a client’s funds or securities except for authorized fee
deduction. The Client may contact the Custodian directly for disbursements, or account
record changes, and may also do so in writing to the custodian. Adviser may act at the
client’s convenience to facilitate such written communications to the Custodian, provided
that such action is not construed to be custody of client assets.

B. Payment of Fees

Payment of Portfolio Management fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly or monthly basis. Fees are paid in
advance or in arrears; fee schedules may be dependent on the asset manager used and
will be definitively outlined in client agreements.

Payment of Financial Planning fees

Financial planning fees are generally paid via check for non-clients.

Fixed financial planning fees are paid 100% in advance, but never more than six months in
advance.

Payment of Third-Party Money Managers fees

The timing, frequency, and method of paying fees for selection of Third-Party Money
Managers will depend on the specific Third-Party Money Manager selected and will be
disclosed to the client prior to entering a relationship with the Third-Party Money Manager.

 C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third-party fees (i.e. custodian fees, brokerage
fees, mutual fund fees, transaction fees, etc.). Those fees are separate and distinct from the
fees and expenses charged by Capstar Financial. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

 D. Prepayment of fees

Capstar Financial collects fees in advance. Refunds for fees paid in advance but not yet
earned will be refunded on a prorated basis and returned within fourteen days to the client
via check or return deposit back into the client's account.

For all asset-based fees paid in advance, the fee refunded will be equal to the balance of the
fees collected in advance minus the daily rate* times the number of days elapsed in the
billing period up to and including the day of termination. (*The daily rate is calculated by
dividing the annual asset-based fee rate by 365.) Fixed fees that are collected in advance
will be refunded based on the prorated amount of work completed at the point of
termination.

     E. Outside Compensation for the Sale of Securities to Clients

    Neither Capstar Financial nor its supervised persons accept any compensation for the sale
    of investment products, including asset-based sales charges or service fees from the sale
    of mutual fund securities

Item 7: Types of Clients

    Capstar Financial generally provides advisory services to the following types of clients:

    •      Individuals
    •      High-Net-Worth Individuals
    •      Small Businesses

    There is an account minimum of $500,000, which may be waived by Capstar Financial in its
    discretion.