Oriental Financial Services LLC

Item 5. Fees and Compensation

Envestnet Program

        For services provided under the Envestnet Program, each client pays a program fee (the
“Program Fee”) calculated by applying the applicable annual fee schedule, as set forth below, to
the account’s asset value under the Program (determined quarterly on an account by account
basis, not in the aggregate).

        The Program Fee is debited on a quarterly basis in advance from the Program Client’s
account (as provided in the Envestnet Program’s terms and conditions). Under the Envestnet
Program, clients authorize the broker of their choice to pay the Program Fee directly to Envestnet
from the Program’s client account, and Envestnet, as agent for the client, pays all amounts due
to the broker or custodian, any sub‐managers, and OFS. For certain Programs, the Program Fee
may also include custody fees. In addition, if there is insufficient cash in the accounts at the time
the Program Fee must be debited, Envestnet or a designated sub‐manager may sell Program
assets to generate sufficient cash to pay the Program Fee. This may create a taxable gain or tax
loss for the client. If Program assets are illiquid and Envestnet or a designated sub‐manager
determines that the sale of Program assets to pay the Program Fee is not feasible, Envestnet will
send the client an invoice for the quarterly Program Fee, which the client must pay within 10
days of receipt. For information regarding the refund of any prepaid fees upon the client’s
termination of the advisory contract, please refer to the Envestnet Wrap Fee Program Brochure.

       For its ongoing services to clients in connection with the Envestnet Program, OFS
receives a portion of the Program Fee that is charged by Envestnet to such clients, which varies
according to the Program. Below are the fee schedules for the various Programs currently offered
by OFS.

      Separate Managed Account Program − Generally for clients seeking a long‐term,
customized, goals‐driven approach to investment planning.

                                        Equity & Balanced
                 Program Assets                   Program Fee

                Up to $250,000                   2.50%

                $250,000‐$1,000,000              2.25%

                $1,000,000‐$5,000,000            2.00%

                Above $5,000,000                 1.75%

       The minimum annual account fee: $350. Pershing’s fee includes the manager and
       custodial fees. The minimum account size is typically $100,000 per manager.

        Unified Managed Account Pricing at Various Breakpoints − Combines the investment
expertise of globally prominent asset managers, exchange-traded funds (“ETFs”) and mutual
funds into a single portfolio and custodial account.

      Program Fee Structure: Tiered base fee plus an additional manager fee for each SMA
Model as detailed below:

                Program Assets                   Program Fee
                Up to $1,000,000                 2.25%
                $1,000,000 to $2,000,000         2.15%
                $2,000,000 to $5,000,000         2.00%
                Above $5,000,000                 1.80%

        Although certain models may have fees outside this range, the additional fee per SMA
model will be approximately 35 to 60 basis points (bps). Applicable manager fees will apply
only when an SMA manager is included in the allocation and those fees will only apply against
the percentage of the portfolio for which the SMA manager is allocated.

       There is no minimum fee. Any custody fees are not included. The minimum account size
is $150,000 per model allocation.

        Advisor as Portfolio Manager (Oriental Managed Investments EFT Models) − Offers
individual investors an actively managed portfolio comprised of carefully selected ETFs. Unlike
some programs that are restricted to a specific fund family, Envestnet has virtually unlimited
choice in the ETFs that may be selected. This provides Envestnet the freedom to choose the best
solutions available to suit each client’s needs.

                Program Assets                   Program Fee
                Up to $50,000                    1.00%
                $50,000 to $500,000              1.50%
                Above                            1.25%

       Minimum annual account fee: $75. Minimum investment is $25,000; for Keogh accounts,
       the minimum is $10,000. Any custody fees not included.

        Third-Party Strategist Program and Mutual Fund Strategist − Offers individual investors
an actively managed portfolio comprised of carefully selected mutual funds or ETFs managed
by independent investment management firms.

                 Program Assets                     Program Fee
                 Up to $500,000                     1.50%
                 Above $500,000                     1.25%

       Minimum investment: $25,000 to $50,000. Minimum annual fee: $200 to $300.

        When a client terminates its participation in the Envestnet Program, its Program assets
are withdrawn from the Program prior to the end of the relevant quarter and the pro rata portion
of the Program Fee is reimbursed to such client.

Cyrus Program

       The equity account fee schedule for the Cyrus Program is as follows:

   Market Value of
                              Client Fee            OFS Fee             Portfolio Manager Fee
        Account
 First $500,000                 2.50%                  1.75%                      .75%
 Next $500,000                  2.25%                  1.50%                      .75%
 Next $1,000,000                2.00%                  1.40%                      .60%
 Next $3,000,000                1.85%                  1.30%                      .60%

Private Bespoke Account Programs

        In the dual-contract and single-contract arrangements, the advisory client is assessed an
advisory fee payable quarterly in advance at a mutually agreed upon rate per annum of the market
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