Sachetta LLC

Fees and Compensation
Description
      Sachetta, LLC bases its fees on a percentage of assets under management,
      hourly charges, and fixed fees. The minimum annual fee for Wealth
      Management services is $10,000.
      Existing Wealth Management services clients are not charged separately for
      financial planning services.

Fee Billing
      Investment management fees are billed as specified in each client’s investment
      advisory agreement, either monthly or quarterly, in arrears or in advance. Fees
      are based on the average account balance during the preceding billing cycle or
      on the account balance at the end of the previous billing cycle. Fees are
      deducted from a designated client account to facilitate billing.

Other Fees
      Custodians and/or brokers may charge transaction fees on purchases or sales
      of certain mutual funds and exchange-traded funds. These transaction charges
      are usually small and incidental to the purchase or sale of a security. The
      selection of the security is more important than the nominal fee that the
      custodian charges to buy or sell the security.
      Sachetta, LLC, in its sole discretion, may waive its minimum fee and/or charge a
      lesser investment advisory fee based upon certain criteria (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.).

                                    Sachetta, LLC

Cash Holdings

     Unless agreed otherwise, any and all account asset classes, including cash
     positions, are included in the firm’s advisory fee calculation. At certain times our
     advisory fee may exceed the money market yield for cash assets.

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. These fees are in addition to the fees paid by
     you to Sachetta, LLC, but Sachetta, LLC receives no portion of the mutual fund
     expense ratio.
     Performance figures quoted by mutual fund companies in various publications
     are after their fees have been deducted.

Types of Clients
Description
     Sachetta, LLC generally provides investment advice to individuals, pension and
     profit sharing plans, trusts, estates, or charitable organizations, corporations or
     business entities.
     Client relationships vary in scope and length of service.

Account Minimums
     While we do not have a minimum account size, our minimum annual fee is
     $10,000.
     Depending upon circumstances, Sachetta, LLC may sign an Hourly Agreement
     with the client if assets have diminished significantly.
     Sachetta, LLC has the discretion to waive the account minimum. Exceptions
     may apply to employees of Sachetta, LLC and their relatives, or relatives of
     existing clients.

                                    Sachetta, LLC

Methods of Analysis, Investment Strategies and Risk of Loss