Rhame & Gorrell Wealth Management LLC

Item 5. Fees and Compensation
      RGWM offers services for fees based upon assets under management. Additionally, certain of the Firm’s
      Supervised Persons, in their individual capacities, may offer insurance products under a separate
      commission-based arrangement.

      Wealth Management Fees

      RGWM offers investment management services for an annual fee based on the amount of assets under
      the Firm’s management. The annual fee is based on the following schedule:

                                PORTFOLIO VALUE                               BASE FEE

                               Up to $999,999                                    1.30%

                               $1,000,000 - $1,499,999                           1.05%

                               $1,500,000 - $2,499,999                           0.95%

                               $2,500,000 - $3,499,999                           0.85%

                               $3,500,000 - $4,999,999                           0.80%

                               $5,000,000 - $6,999,999                           0.70%

                               $7,000,000 - $14,999,999                          0.65%

                               More than $15,000,000                             0.55%

      Once a new tier is reached, the entire portfolio balance (back to the first dollar) is charged at the new rate.
      Some Firm clients have legacy fee arrangements that are different from those described in the above fee
      schedule. The annual fee is prorated and charged quarterly, in advance, based upon the market value of the
      assets being managed by RGWM on the last day of the previous billing period. If assets are deposited into
      or withdrawn from an account after the inception of a billing period, the fee payable with respect to such
      assets is adjusted to reflect the interim change in portfolio value. For the initial period of an engagement,
      the fee is calculated on a pro rata basis. 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.), RGWM negotiates a fee rate that
      differs from the range set forth above where appropriate.

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 Disclosure Brochure                              Rhame & Gorrell Wealth Management, LLC

      Fee Discretion

      RGWM 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

      In addition to the advisory fees paid to RGWM, clients also incur certain charges imposed by other third
      parties, such as broker-dealers, custodians, trust companies, banks and other financial institutions
      (collectively “Financial Institutions”). These additional charges include securities brokerage commissions
      and other transaction costs (such as mark-ups and mark-downs on fixed-income transactions), custodial
      fees, margin costs, reporting charges, charges imposed directly by a mutual fund or ETF in a client’s
      account, as disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses),
      deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other
      fees and taxes on brokerage accounts and securities transactions. The Firm’s brokerage practices are
      described at length in Item 12, below.

      Direct Fee Debit

      Clients provide RGWM and/or certain Independent Managers with the authority to directly debit their
      accounts for payment of the investment advisory fees. The Financial Institutions that act as the qualified
      custodian for client accounts, from which the Firm retains the authority to directly deduct fees, have agreed
      to send statements to clients not less than quarterly detailing all account transactions, including any amounts
      paid to RGWM.

      Account Additions and Withdrawals

      Clients may make additions to and withdrawals from their account at any time, subject to RGWM’s right to
      terminate an account. Additions may be in cash or securities provided that the Firm reserves the right to
      liquidate any transferred securities or declines to accept particular securities into a client’s account. Clients
      may withdraw account assets on notice to RGWM, subject to the usual and customary securities settlement
      procedures. However, the Firm generally designs its portfolios as long-term investments and the withdrawal
      of assets may impair the achievement of a client’s investment objectives. RGWM consults with its clients
      about the options and implications of transferring securities as necessary. Clients are advised that when
      transferred securities are liquidated, they may be subject to transaction fees, short-term redemption fees,
      fees assessed at the mutual fund level (e.g., contingent deferred sales charges) and/or tax ramifications.

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 Disclosure Brochure                              Rhame & Gorrell Wealth Management, LLC

Item 7. Types of Clients
      RGWM offers services to individuals, corporations and business entities.

      Minimum Account Fee

      As a condition for starting and maintaining an investment management relationship, RGWM generally
      imposes a minimum quarterly fee of $2,500. This minimum fee may cause clients with smaller portfolios
      to incur an effective fee rate that is higher than the Firm’s stated fee schedule. A client’s annual fee will
      never exceed 2%. RGWM 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