One Charles Private Wealth Services LLC

Item 5. Fees and Compensation
Wealth Management and Discretionary Investment Management Services
  The fees charged for discretionary investment management services are charged as a percentage of
  assets under management, as set forth in the investment advisory agreement between the client and
  One Charles, and generally depend on the type of assets held by the client. The advisory fee percentage
  charged to a client may be up to 1.4% on an annual basis. Fees for discretionary investment
  management services are deducted directly from client accounts quarterly, in advance, and are based
  on the fair market value of the client’s portfolio as of the last business day of the previous quarter as
  provided to us by third-party sources, such as pricing services, custodians, fund administrators, and
  client provided sources. If third party sources are not available, as may be the case for certain illiquid
  holdings, One Charles’ Investment Committee will determine a fair value for billing purposes or
  otherwise value in accordance with the terms of a client’s advisory agreement – and if unable to
  determine a fair value will not include the holding for purposes of the fee billing calculation. In certain
  instances, clients may compensate One Charles directly where the discretionary assets are held away
  from the custodian for the client’s account.

   Clients receiving investment management services will be responsible for all brokerage fees and other
   transaction costs, and custodial fees and expenses. In addition, clients will be responsible for additional
   fees and expenses incurred when investing their assets, such as fees charged by independent
   managers, mutual fund fees and expenses, ETF expenses, trade away fees for transactions executed
   away from the account custodian, mark-ups and mark-downs embedded in fixed income transactions,
   and miscellaneous items such as transfer taxes, odd lot differentials, exchange fees, interest charges,
   American Depository Receipt agency processing fees, trustee fees, and any charges, taxes or other fees
   mandated by any federal, state or other applicable law or otherwise agreed to with regard to client
   accounts.

                                                                                                  4|Page

   The fee for investment management services does vary among clients, depending upon various
   objective and subjective factors; such as the amount of the client’s assets, the complexity of the
   engagement, and the level and scope of the overall investment advisory and/or consulting services to
   be rendered. As a result of these factors, these services to be provided by One Charles to any particular
   client could be available from other advisers at lower or higher fees.

Limited-Scope Financial Planning and Consulting Services

    Fees for limited scope, non-discretionary financial planning and other services may be charged on an
    hourly or fixed fee basis. These fees are negotiable, depending on the nature and complexity of the
    client’s circumstances, as well as the individual involved in the planning process and once
    determined, are set forth in the client agreement.
Retirement Plan Consulting Fees

    Fees for Plan advisory services and Plan consulting services are negotiated prior to the signing of an
    agreement with the specific Plan client. The fees for Plan advisory services and Plan consulting
    services may be a flat fee, a project or an asset-based fee expressed as a percentage of total Plan
    client assets. The fee for these services does vary among clients, depending upon various objective
    and subjective factors; such as the amount of the Plan client’s assets, the complexity of the
    engagement, and the level and scope of the overall investment advisory and/or consulting services
    to be rendered. As a result of these factors, these services to be provided by One Charles to any
    particular Plan client could be available from other advisers at lower or higher fees.

  ERISA Disclosure for Retirement Planning
    When One Charles provides investment advice to you regarding your retirement plan account or
    individual retirement account, One Charles is a fiduciary within the meaning of Title I of the Employee
    Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws
    governing retirement accounts. The way One Charles makes money creates some conflicts with your
    interests, so One Charles operates under a special rule that requires One Charles to act in your best
    interest and not put our interest ahead of yours.

Flat Fees and Project Fees

    To the extent so engaged by a Plan client, One Charles may charge a flat fee or project fee for
    investment advisory and/or consultation services. Fixed fees are negotiable, but generally range from
    One Thousand Dollars ($1,000) to Five Thousand Dollars ($5,000) on an annual basis, depending upon
    the level and scope of the services required. Flat fee(s) will be charged and billed to a Plan Client
    quarterly in arrears unless otherwise noted, upon the signing of an agreement by the Plan Client.
    Occasionally advisory services will be quoted on an hourly or per project basis. Alternatively, One
    Charles may charge a one-time, project-based fee which may be quoted on an hourly or per project
    basis. Such fees may be invoiced to the third-party administrator, recordkeeper, or custodian, or the
    sponsor at the Plan Client's instruction.

                                                                                                5|Page

Other Compensation
  Some of the Firm’s advisory personnel have maintained their status as an associated person of a broker-
  dealer by becoming registered representatives of Purshe Kaplan Sterling Investments, Inc. (“PKS”), a
...

Item 7. Types of Clients
  We provide advisory services to a variety of clients, including individuals, business entities, trusts,
  estates, charitable organizations, and pension and profit-sharing plans.
  One Charles typically requires clients to place at least $400,000 under the firm's management as a
  condition to establishing an advisory relationship. One Charles, in its sole discretion, may waive or
  reduce its minimum asset requirement based upon certain criteria such as: anticipated future earning
  capacity, anticipated future additional assets, related accounts, account composition, or as negotiated
  with clients.

                                                                                             6|Page