Halbert Hargrove Global Advisors LLC

Item 5           Fees and Compensation
   A.
                                   INVESTMENT ADVISORY SERVICES
         HH’s annual investment advisory fee shall range from 0.50% up to 1.00% of the total assets
         placed under the Firm’s management/advisement as set forth in the following fee schedule:

                        PORTFOLIO VALUE                              ANNUAL FEE
                        First $5,000,000                                       1.00%
                        Next $3,000,000                                        0.75%
                        Above $8,000,000                                       0.50%

                                     RETIREMENT PLAN SERVICES
         HH provides pension consulting services, in the capacity of a 3(21) and/or 3(38) advisor,
         pursuant to which it assists sponsors of self-directed retirement plans with the selection
         and/or monitoring of investment alternatives from which plan participants shall choose in
         self-directing the investments for their individual plan retirement accounts. HH’s annual

    fee for these services shall generally be a negotiable percentage of the total assets
    maintained within the plan.

           FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)
    HH may provide financial planning and/or consulting services (including investment and
    non-investment related matters, including estate planning, insurance planning, etc.) on a
    stand-alone fee basis. The Firm’s planning and consulting fees are negotiable, but generally
    are on a fixed fee basis, depending upon the level and scope of the service(s) required and
    the professional(s) rendering the service(s).

                                        DIGITAL PROGRAM

    As discussed in Item 4, the Digital Program utilizes a digital platform provided by Zoe
    with assets custodied by Apex. Zoe’s digital platform provides HH with simplified
    management, reporting, and service solutions amongst other technological and brokerage
    services (i.e., custody, trade execution, clearing and settlement by Apex). HH pays a fee to
    Zoe to participate and access the platform. Clients will pay advisory fees in accordance
    with the Firm’s fee schedule above. Clients should review their Zoe Agreement for further
    information regarding Digital Program fees.

B. The Firm's annual investment advisory fee shall be prorated and paid quarterly, in advance,
    based upon the market value of the assets, including accrued interest and dividends, on the
    last day of the previous quarter. Clients may elect to have the Firm’s advisory fees deducted
    from their custodial account. Both the Firm’s Agreement and the custodial/clearing
    agreement may authorize the custodian to debit the account for the amount of the Firm’s
    investment advisory fee and to directly remit that advisory fee to HH in compliance with
    regulatory procedures.

    In the limited event that HH bills the client directly, payment is due upon receipt of the
    Firm’s invoice.

C. As discussed below, unless the client directs otherwise or an individual client’s
    circumstances require, the Firm shall generally recommend that National Financial
    Services, LLC, (“NFS”) a Fidelity Investments company, and/or Charles Schwab & Co.
    Inc. (“Schwab”) serve as the broker-dealer/custodian for client investment management
    assets.

    Broker-dealers such as NFS and Schwab charge brokerage commissions, transaction,
    and/or other type fees for effecting certain types of securities transactions (i.e., including
    transaction fees for certain mutual funds, and mark-ups and mark-downs charged for fixed
    income transactions, etc.). The types of securities for which transaction fees, commissions,
    and/or other type fees (as well as the amount of those fees) shall differ depending upon the
    broker-dealer/custodian. While certain custodians, including NFS and Schwab, generally
    (with the potential exception for large orders) do not currently charge fees on individual
    equity transactions (including ETFs), others do.

    There can be no assurance that NFS or Schwab will not change their transaction fee pricing
    in the future.

    NFS and Schwab may also assess fees to clients who elect to receive trade confirmations
    and account statements by regular mail rather than electronically.

    Asset-Based Pricing Arrangements and Limitations. HH may recommend that clients
    enter into an “Asset-Based” pricing agreement with the account broker-dealer/custodian.
    Under an asset based pricing arrangement, the amount that a client will pay the custodian
    for account commission/transaction fees is based upon a percentage (%) of the market
    value of the account, generally expressed in basis points and/or a percentage. One basis
    point is equal to one one-hundredth of one percent (1/100th of 1%, or 0.01% (0.0001). This
    differs from transaction-based pricing, which assesses a separate commission/transaction
    fee against the account for each account transaction. Account investment decisions are
    driven by security selection and anticipated market conditions and not the amount of
    transaction fees payable by you to the account custodian. Under either the asset-based or
    transaction-based pricing scenario, the fees charged by the respective broker-
    dealer/custodian are separate from, and in addition to, the advisory fee payable by the client
    to HH. HH does not receive any portion of the asset based transaction fees payable by the
    client to the account custodian. The client is under no obligation to enter into an asset-
    based arrangement, and, if the client does so, the client can request at any time to switch
    from asset based pricing to transactions based pricing, However, there can be no assurance
...

Item 7           Types of Clients

         HH provides its services to individuals, pension and profit-sharing plans, trusts, estates,
         charitable organizations, corporations and business entities.