Charmarline Wealth Management LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a written
agreement with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Investment advisory fees are paid quarterly, in arrears of each calendar quarter, pursuant to the terms of the
investment advisory agreement. Investment advisory fees are based on the market value of assets under
management at the end of the prior calendar quarter. Investment advisory fees are based on the following
schedule:

                 Assets Under Management ($)              Annual Rate (%)
                 $0 to $1,000,00                               1.00%
                 $1,000,001 to $2,000,000                      0.75%
                 $2,000,001 to $5,000,000                      0.60%
                 $5,000,001 plus                             Negotiable

CharMarLine generally requires a minimum fee of $5,000. Certain clients will be subject to a legacy fee schedule
that differs from the one above.

The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed
by CharMarLine will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the
Custodian’s valuation to ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and
other related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the
Advisor shall not receive any portion of these commissions, fees, and costs.

B. Fee Billing
Wealth Management Services
Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
the Custodian. The amount due is calculated by applying the quarterly rate (annual rate divided by 4) to the total
assets under management with CharMarLine at the end of each quarter. Clients will be provided with a statement,
at least quarterly, from the Custodian reflecting deduction of the investment advisory fee. Clients are urged to also
review and compare the statement provided by the Advisor to the brokerage statement from the Custodian, as the
Custodian does not perform a verification of fees. Clients provide written authorization permitting advisory fees to
be deducted by CharMarLine to be paid directly from their account[s] held by the Custodian as part of the
investment advisory agreement and separate account forms provided by the Custodian.

                                          CharMarLine Wealth Management LLC
                                         3831 Old Forest Road, Lynchburg, VA 24501
                                                   Phone: 434-455-3036

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than CharMarLine, in connection with
investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities
execution fees charged by the Custodian, as applicable. The Advisor's recommended Custodian does not charge
securities transaction fees for ETF and equity trades in a Client's account, provided that the account meets the
terms and conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for
mutual funds and other types of investments. The fees charged by CharMarLine are separate and distinct from
these custody and execution fees.

In addition, all fees paid to CharMarLine for investment advisory services are separate and distinct from the
expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are
described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for
the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a
possible distribution fee. A Client may be able to invest in these products directly, without the services of
CharMarLine, but would not receive the services provided by CharMarLine which are designed, among other
things, to assist the Client in determining which products or services are most appropriate for each Client’s financial
situation and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees
charged by CharMarLine to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices
for additional information.

D. Advance Payment of Fees and Termination
Wealth Management Services
CharMarLine may be compensated for its investment management services at the end of the quarter after services
are rendered. Either party may terminate the investment advisory agreement, at any time, by providing advance
written notice to the other party. The Client may also terminate the investment advisory agreement within five (5)
business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will
incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and
payable by the Client. The Client’s investment advisory agreement with the Advisor is non-transferable without the
Client’s prior consent.

E. Compensation for Sales of Securities
CharMarLine does not buy or sell securities to earn commissions and does not receive any compensation for
securities transactions in any Client account, other than the investment advisory fees noted above.

Item 7 – Types of Clients

CharMarLine offers investment advisory services to individuals and high net worth individuals. CharMarLine
generally does not impose a minimum relationship size, but does generally impose a minimum fee of $5,000.