Hardworking Capital Advisors LLC

Fees and Compensation - Item 5

 For HWC's services, Client will pay a Management Fee quarterly in advance based on the account's value on the
 last business day of the preceding calendar quarter, and fees will be calculated on a pro-rata basis for partial
 quarters. In accordance with the flat % fee for Investment Advisory Only services or a schedule of % fees for Full-
 Service Advisory, as described below, unless otherwise agreed to by both parties. HWC shall not be compensated
 on the basis of a share of capital gains upon capital appreciation of the funds, or any portion of the funds of the
 Client.

 Investment Management Fees: Portfolio Navigator
 Our fee for investment management services is set forth in the following blended fee schedule:

               Assets Under Management                                           Annual Fee
                      First $250,000                                                1.35%
                      Next $250,000                                                 1.15%
                      Next $500,000                                                 0.75%
                     Next $1,000,000                                                0.70%
                     Next $3,000,000                                                0.60%
                     Over $5,000,000                                                0.50%

 For example, a Client with a managed account worth $2,500,000 will incur the following annual asset
 management fee:
                               First $250,000 x 1.35%: $3,375
                               Next $250,000 x 1.15%: $2,875
                               Next $1,000,000 x 0.70%: $7,000
                               Next $1,000,000 x 0.60%: $6,000
                               Total annual fee: $19,250

 The above-referenced fee schedule reflects the annual fees for investment management services (up to but not
 to exceed the stated annual fee percentage) calculated as a percentage of the Client's assets invested in the
 Client's account(s).

 Third-Party Advisory Fees
 If Client desires to have any of the Portfolio managed by a third-party, the Annual Fee for services is the sum of
 HWC's Investment Management Fee and a Third-Party Manager's Fee; provided, the Annual Fee shall not exceed
 2.9% of the value of the Client's account managed by a Third-Party Manager, is payable quarterly in advance
 based on the value of the account on the last business day of the preceding calendar quarter. Partial quarters
 shall be prorated based on the number of days the Agreement is in effect during the quarter. The Annual Fee is
 based on the amount of assets the Client has under management with a Third-Party Manager. Each Third-Party
 Manager may have different custodial, administrative, and fee arrangements, all of which will be disclosed prior
 to placement of assets. All assets for the Third-Party Program account shall be maintained by the applicable
 program qualified custodian. The Annual Fee rate charged to clients, on which quarterly fees are calculated, may

Hardworking Capital Advisors, LLC
Form ADV Part 2A Brochure

 range between 0% - 2.9% of the value of the assets under management. All relevant fees as they may apply are
 disclosed in the agreement and other relevant disclosure documents.

 Accounts on the SMArtX platform will also incur an additional platform fee of 0.11%, which will be billed monthly
 in arrears and deducted directly from the Client’s account(s). If we select a third-party model or sleeve for the
 Client’s account(s) or portion of the account, the Client’s account(s) will be charged an additional fee ranging from
 0.0% to 1.75%. In any case, the total combined fee charged by us (in accordance with the above fee schedule),
 SMArtX, and/or any Sub-Advisor will not exceed 2.9%. Fees in excess of 3% of the assets under management are
 considered excessive. Lower fees may be available for similar services or where third-party platforms, model
 providers, and/or Sub-Advisors are not used. When SMArtX acts as a Sub-Adviser, Clients will be provided with a
 current copy of SMArtX’s Form ADV Part 2 Brochure at the inception of services. This document provides
 important disclosures about SMArtX’s services, portfolio models, fees, conflicts of interest, disciplinary history (if
 any), and other important information that would help Clients understand the scope of the Sub-Advisory services
 provided by SMArtX.

 Sub-Advisory Fees
 The fees paid to HWC typically do not include fees that may be owed to Sub-Advisers. Such fees are separate
 from, and in addition to, HWC’s fees as described above. However, in no instance will the total combined annual
 advisory fees assessed by HWC and the respective Sub-Adviser exceed 2.90% annually. Please refer to the Sub-
 Adviser’s Form ADV for additional information regarding their fees and billing practices.

 Investment Account Minimums for Third-Party Money Managers
 Investment account minimums or minimum asset requirements may be imposed depending on the selected third-
 party money manager and its specific investment platform. Investment account minimums or minimum asset
 requirements may range from $10,000 to $250,000. The selected Third-Party Manager may not begin its
 management of the account until the account has reached the required minimum value, but will generally invest
 assets upon receipt into the account, as practicable. If the value of the agreement account falls below the
 applicable minimum due to Client withdrawals (but not due to investment losses), the selected Third-Party
 Manager may, at its discretion, terminate the account.

 American Fund Accounts with F-2 Class Shares
 Where appropriate, based on the Client’s individual circumstances, we may recommend they open an account
 with American Funds to purchase F-2 Class Shares as all or part of their investment portfolio. Class F-2 shares are
...

Types of Clients - Item 7

 HWC is a registered investment adviser firm that provides investment advisory services to high net worth
 individuals, Individuals (other than high net worth individuals), Charitable organizations, and Corporations or
 other businesses (collectively referred to as "Clients").

 Requirement for Opening Accounts (Minimum Investment Amount)
 HWC's fee range for each particular service is subject to negotiation and could vary depending upon various
 circumstances, including the scope of the services to be provided (the minimum fees and fee ranges for existing
 clients prior to the current calendar year may differ from those indicated). However, HWC may impose certain
 requirements for opening and/or maintaining an account, such as a minimum account size or minimum fees and
 fee ranges.

 The minimum investment required by an individual investor Client is generally $250,000. Accounts below these
 minimums may be negotiable and accepted on an individual basis at HWC's discretion. However, HWC may from

Hardworking Capital Advisors, LLC
Form ADV Part 2A Brochure

 time to time establish, modify, and waive account or investment minimums for different investment products
 and/or services. Also, please see Fees and Compensation above for further details on investment minimums.

                       Methods of Analysis, Investment Strategies and Risk of Loss - Item 8