Martha's Vineyard Investment Advisors LLC

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

Financial Planning and Consulting Fees
MVIA charges a fixed and/or hourly fee for providing financial planning and consulting services under a
stand-alone engagement. These fees are negotiable, but start at $2,500 on a fixed fee basis and up to
$250 on an hourly basis, depending upon the scope and complexity of the services and the
professional rendering the financial planning and/or the consulting services. If the client engages the
Firm for additional investment advisory services, MVIA may offset all or a portion of its fees for those
services based upon the amount paid for the financial planning and/or consulting services.

The terms and conditions of the financial planning and/or consulting engagement are set forth in the
Advisory Agreement and MVIA requires one-half of the fee (estimated hourly or fixed) payable upon
execution of the Advisory Agreement. The outstanding balance is due upon delivery of the financial
plan or completion of the agreed upon services. The Firm does not, however, take receipt of $1,200 or
more in prepaid fees in excess of six months in advance of services rendered.

Termination
You may terminate planning or consulting services obtained from MVIA, without penalty, upon written
notice within five (5) business days after entering into the advisory agreement with MVIA. Thereafter,
you may terminate planning/consulting services with written notice to MVIA. You will be responsible for
any time spent by us in providing you advisory services or analyzing your situation. You will be
charged a pro-rata portion of the advisory fee up to the date of termination. Any unpaid fees that have
been earned by MVIA shall be paid within fifteen (15) days of the termination of our planning/consulting
services agreement. Any unearned, pre-paid fees will be refunded to you within 30 days of the
termination request.

Investment and Wealth Management Fees
MVIA offers investment and wealth management services for an annual fee based on the amount of
assets under the Firm's management. This management fee varies between 50 and 150 basis points
(0.50% and 1.50%), depending upon the size and composition of a client's portfolio and the type of
services rendered.

The annual fee is prorated and charged quarterly in arrears, based upon the market value of the
average daily account balance during the quarter. In the event the advisory agreement is terminated,
the fee for the final billing period is prorated through the effective date of the termination and the
outstanding or unearned portion of the fee is charged or refunded to the client, as appropriate.

Additionally, for asset management services the Firm provides with respect to certain client holdings
(e.g., held-away assets, accommodation accounts, alternative investments, etc.), MVIA may negotiate
a fee rate that differs from the range set forth above.

Fee Discretion
MVIA may, in its sole discretion, negotiate to charge a lesser fee based upon certain criteria, such as
anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be
managed, related accounts, account composition, pre-existing/legacy client relationship, account
retention and pro bono activities.

Additional Fees and Expenses

External Separate/Model Account Manager Fees
In situations where MVIA engages an external separate/model account manager as a sub-adviser to
manage a client's assets, the client will be responsible for paying all fees charged by the
separate/UMA account manager on those assets, in addition to MVIA's investment management and
advisory fees.

Mutual Fund and ETF Management Fees Investments in mutual funds and exchange-traded funds
generally include an embedded investment management fee paid to the investment adviser of the
mutual fund or exchange-traded fund. As such, client accounts with investments in those types of
securities will be subject to two layers of management fees. An explanation of the fees and expenses
associated with each mutual fund is contained in that mutual fund's prospectus.

Mutual Fund Transaction Fees Depending on the custodian, MVIA may be able to purchase mutual
funds with no transaction fees. Note that clients who do not trade through specific custodians may not
be eligible for these waived transaction fees. Fees may be imposed upon early redemption if the fund
was owned prior to our management or if we sell the fund in our discretion. An explanation of the fees
and expenses associated with each mutual fund is contained in that fund's prospectus.

Donor Advised Fund Fees If client assets are allocated to a donor advised fund, the client will be
responsible for paying all fees charged by the fund on those assets in addition to MVIA's advisory fees.
The fund will impose and arrange for the automatic deduction of its own fees from the liquidity account
of each affected client.

Brokerage Fees MVIA does not execute trades, nor does it charge for brokerage commissions,
transaction fees, exchange fees, SEC fees or other related trading costs and expenses. Such
commissions, fees and costs would be charged directly to clients by the clients' custodian and/or
executing broker-dealer. The following is a list of additional fees and expenses that may be directly
billed or borne proportionately you and third parties:

Brokerage fees, commissions, transaction fees, custodial fees, transfer taxes, odd-lot differentials,
margin interest, deferred sales charges (on mutual funds or annuities), wire transfer and electronic
fund processing fees, advisory fees and administrative fees charged by mutual funds and exchange
traded funds (ETFs).

The fees listed above would be charged by and paid to a broker-dealer, custodian, mutual fund
company, or annuity issuer, as applicable.
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Item 7 Types of Clients
MVIA offers services to individuals, pension and profit sharing plans, trusts, estates, foundations,
endowments and other charitable organizations, corporations and business entities, banking and trust
companies, and state or municipal government entities.

Minimum Account Fee
As a condition for starting and maintaining an investment or wealth management relationship, MVIA
may impose a minimum quarterly fee. This minimum fee can cause clients with smaller portfolios to
incur an effective fee rate that is higher than the Firm's stated fee schedule. MVIA may, in its sole
discretion, elect to waive its minimum fee based upon certain criteria, including anticipated future
earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related
accounts, account composition, pre-existing client, account retention, and pro bono activities.