Hilton Head Financial Advisors Inc

Fees and Compensation
   Description
      Hilton Head Financial Advisor, Inc. bases its fees on a percentage of assets under
      management, hourly charges, and fixed fees. The percentage of assets under
      management may be based on average daily balance, average monthly balance or
      quarter end balance depending on method used to capture the balances (daily
      downloads to the portfolio management system or monthly statements) and the
      activity within a quarter.
       Fees are negotiable at Hilton Head Financial Advisors, Inc.’s sole discretion.

   Fee Billing
       Investment management fees are billed monthly (for hourly clients) or quarterly, in
       arrears, meaning that we invoice you after the monthly (for hourly clients) or three-
       month billing period has ended. Payment in full is expected upon invoice
       presentation. Fees may be deducted from a designated client account(s) to
       facilitate billing if the client consents in advance to direct debiting of their
       investment account(s).

   Other Fees
       Custodians may charge transaction fees on purchases or sales of certain mutual
       funds, exchange-traded funds, bonds and equities. These transaction charges are
       usually small and incidental to the purchase or sale of a security.
       Hilton Head Financial Advisors, Inc., in its sole discretion, may waive its minimum
       fee and/or charge a lesser investment advisory fee based upon certain criteria

                              Hilton Head Financial Advisors, Inc.

       (e.g., historical relationship, type of assets, anticipated future earning capacity,
       anticipated future additional assets, dollar amounts of assets to be managed,
       related accounts, account composition, negotiations with clients, etc.).

   Expense Ratios
      Mutual funds generally charge a management fee for their services as investment
      managers. The management fee is called an expense ratio. For example, an
      expense ratio of 0.50 means that the mutual fund company charges 0.5% for their
      services on an annual basis. These fees are in addition to the fees paid by you to
      Hilton Head Financial Advisors, Inc.
       Performance figures quoted by mutual fund companies in various publications are
       after their fees have been deducted.

   Past Due Accounts and Termination of Agreement
       Hilton Head Financial Advisors, Inc. reserves the right to stop work on any account
       that is more than 60 days overdue. In addition, Hilton Head Financial Advisors, Inc.
       reserves the right to terminate any financial planning engagement where a client
       has willfully concealed or has refused to provide pertinent information about
       financial situations when necessary and appropriate, in the judgment of Hilton
       Head Financial Advisors, Inc.

Types of Clients
   Description
      Hilton Head Financial Advisors, Inc. generally provides investment advice to
      individuals, pension and profit sharing plans, trusts, estates, corporations and
      business entities.
       Client relationships vary in scope and length of service.

   Account Minimums
      There is not an account minimum requirement.

Methods of Analysis, Investment Strategies and Risk of Loss