CRA Financial Services LLC

Item 5. Fees and Compensation
             CRA offers its services on a fee basis, which may include hourly and/or fixed fees, as well as fees based
             upon assets under management.

             Financial Planning and Consulting Fees

             CRA charges a fixed fee and/or hourly fee for financial planning and consulting services depending on the
             particular client engagement. These fees are negotiable, but generally range from $1,000 to $5,000 on a
             fixed fee basis and/or $300 on an hourly rate basis, depending upon the level and scope of the services
             and the professional rendering the financial planning and/or the consulting services. Financial planning
             and consulting clients may also engage CRA for additional investment advisory services, including

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             investment management. In such instances, CRA may offset all or a portion of its financial planning and
             consulting services against the fees incurred for investment management.

             Prior to engaging CRA to provide financial planning and/or consulting services, the client is required to
             enter into a written agreement with CRA setting forth the terms and conditions of the engagement.
             Generally, CRA requires one-half of the financial planning/consulting fee (estimated hourly or fixed)
             payable upon entering the written agreement. The balance is generally due upon delivery of the financial
             plan or completion of the agreed upon services.

             Investment Management Fee

             CRA provides investment management services for an annual fee based upon a percentage of the
             market value of the assets being managed by CRA. CRA’s annual fee is exclusive of, and in addition to
             brokerage commissions, transaction fees, and other related costs and expenses which are incurred by
             the client. CRA does not, however, receive any portion of these commissions, fees, and costs. In certain
             circumstances, CRA provides complimentary financial planning services to clients who engage CRA for
             investment management services.

             CRA’s annual fee is prorated and charged quarterly, in advance, based upon the market value of the
             assets being managed by CRA on the last day of the previous quarter. No fee adjustments are made for
             account deposits and withdrawals made during a fee period. The annual fee varies (generally between
             0.75% and 1.00%) depending upon the market value of the assets under management per the fee
             schedule that is a part of its Investment Advisory Agreement.

             Please Note: Fee Differentials. CRA shall generally price its advisory services based upon various
             objective and subjective factors. As a result, our clients could pay diverse fees based upon the type,
             amount and market value of their assets, the anticipated complexity of the engagement, the anticipated
             level and scope of the overall investment advisory services to be rendered, and negotiations. Additional
             factors effecting pricing can include related accounts, employee accounts, competition, and negotiations.
             As a result of these factors, similarly situated clients could pay diverse fees, and the services to be
             provided by CRA to any particular client could be available from other advisers at lower fees. All clients
             and prospective clients should be guided accordingly. ANY QUESTIONS: CRA’s Chief Compliance
             Officer, Donna Savastani, remains available to address any questions regarding advisory fees.

             Retirement Plan Consulting Fees

             CRA charges an asset-based fee to provide clients with retirement plan consulting services. These fees
             typically range from 0.40% - 1.00% annually.

             Fees Charged by Financial Institutions

             As further discussed in response to Item 12 (below), CRA recommends that clients utilize the brokerage
             and clearing services of National Financial Services LLC and Fidelity Brokerage Services LLC (together

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             with affiliates, “Fidelity”) or Charles Schwab & Co., Inc. through its Schwab Advisor Services division
             (“Schwab”) for investment management accounts.

             CRA may only implement its investment management recommendations after the client has arranged for
             and furnished CRA with all information and authorization regarding accounts with appropriate financial
             institutions. Financial institutions include, but are not limited to, Fidelity, Schwab, any other broker-dealer
             recommended by CRA, any broker-dealer directed by the client, trust companies, banks etc. (collectively
             referred to herein as the “Financial Institutions”).

             In addition to the fees charged by CRA, clients incur certain charges imposed by the Financial Institutions
             and other third parties such as brokerage commissions and other transaction costs, fees charged by
             Independent Managers, custodial fees, charges imposed directly by a mutual fund or ETF in the account,
             which are disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses),
             margin costs, reporting charges, 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.

             Fee Debit

             CRA’s Agreement and the separate agreement with any Financial Institutions generally authorize CRA or
...

Item 7. Types of Clients
             CRA provides its services to individuals, pension and profit sharing plans, trusts, estates, charitable
             organizations, corporations and business entities. CRA, in its discretion, may charge a lesser investment
             advisory fee, charge a flat fee, waive its fee entirely, or charge fee on a different interval, based upon
             certain criteria (i.e. anticipated future earning capacity, anticipated future additional assets, dollar amount
             of assets to be managed, related accounts, account composition, complexity of the engagement,
             anticipated services to be rendered, grandfathered fee schedules, employees and family members,
             courtesy accounts, competition, negotiations with client, etc.). Please Note: As result of the above,
             similarly situated clients could pay different fees. In addition, similar advisory services may be available
             from other investment advisers for similar or lower fees. ANY QUESTIONS: CRA’s Chief Compliance
             Officer, Donna Savastani, remains available to address any questions that a client or prospective client
             may have regarding advisory fees.

             Minimum Account Size and Minimum Fee

             CRA does not impose a minimum account size or minimum annual fee requirement. However, certain
             Independent Managers may impose specific account and/or minimum annual fee requirements and
             conduct billing practices which vary from those of CRA.            In such instances, CRA may alter its
             corresponding billing practices to accommodate those of the Independent Managers.