SVB Wealth LLC

ITEM 5 - FEES AND COMPENSATION

SVBW provides services to clients on a fee basis (the “Fee”). The Fee is either an asset-based, a fixed
annual fee, or a flat fee, depending on the particular services provided. In its discretion, and subject to
the Fee schedules included below, SVBW may negotiate the Fee and method of billing based on a
number of factors, including type and size of the Account, services provided, historical factors and/or
the client’s relationship with SVBW, subject to internal guidelines.
Wealth Management Services Fees
The Wealth Management Service Fees are generally asset-based, expressed as an annual percentage
of the assets in the account. The fees cover a range of available services including management,
consulting and administrative services provided by SVBW, ongoing monitoring of investment managers,
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and services provided by the IAR (including periodic reviews of the Account). The Fees are set forth
below in the Fee Schedules and represent the maximum standard annual rate.
Wealth Management Services Accounts are charged the Fee quarterly, in advance, based on the net
market value of the assets in the Account (including all cash and cash equivalents such as money
market mutual funds, cash sweep funds, or other short-term instruments) on the last day of the
previous quarter. In most cases, the Fee is automatically deducted from the Account. As circumstances
warrant, and pursuant to the specific terms of the Client Agreement, SVBW may instead charge an
asset-based fixed rate or fixed dollar investment management fee (see below). The services continue in
effect until terminated by either party (i.e., the client or SVBW) by providing written notice of termination
to the other party. Upon such notice, SVBW will cease making investment decisions for the client and
implement any reasonable written instructions. Client’s agreement will be terminated only after any
open trades have been settled. SVBW will refund any un-earned portion of its Fee to the client.
The tiered fee schedule below is assessed for each account, and SVBW does aggregate other
accounts for the client (Householding) when determining the fee.
                                              Fee Schedules

                                       Account Value        Annualized Fee

                                       First $1,000,000           1.25%

                                       Next $1,500,000            1.15%

                                       Next $7,500,000            0.90%

                                      Over $10,000,000            0.70%

Although SVBW does not have any stated account minimums, Accounts with a portfolio value of
$1,000,000 or less can pay effective fees greater than (or equal to) 1.25%.
In limited circumstances and in SVBW’s sole discretion, SVBW might agree upon an engagement for a
fixed annual dollar fee. The Fee is determined on a variety of factors which generally include the level
and scope of the services to be provided, the client’s overall relationship with SVBW and potential for
future business, and the professional providing the services. Certain legacy clients have agreements
that provide a fixed annual fee for services which may be more or less than other clients are paying or
will pay for receipt of the same services.
Clients are also responsible for any other fees and expenses related to their Accounts that are payable
to other entities, as applicable. Since SVBW is not a broker-dealer, SVBW does not charge for
brokerage commissions, transaction fees, exchange fees, SEC fees or other related trading costs and
expenses. Rather, such commissions, fees and costs will be charged directly to clients by the clients’
custodian and/or broker-dealer. Additional fees and expenses that may be directly billed or borne
proportionately by the client and third parties include 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, administrative fees
and expenses charged by mutual funds and ETFs, custody fees, administration fees and all other fees
charged by service providers providing services relating to client Accounts. Custodian statements may
display certain transaction fees per trade, but commissions on certain statements or for certain
transactions will be reflected in the net share price and not disclosed separately. In certain situations,
and for certain transactions, transaction fees may be charged by the custodian to SVBW. See Item 12
Brokerage Practices for more information.
For client Accounts invested with and managed by a Third-Party Manager, the client is responsible for
paying the fee(s) charged by each such Third-Party Manager for an Account, as applicable. Third-Party
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Manager fees are separate from, and in addition to, SVBW’s Fee. Fees vary by Third-Party Manager
range from approximately 0.25% - 1.00% per annum.
Wrap Fee Program Fees (No longer available to new clients)
The Wrap Fee Program charges clients an all-inclusive Fee equal to 0.40% of the value of the assets in
the Account calculated on an annualized basis. Of the 0.40%, 0.25% is received by Betterment and
0.15% is received by SVBW. Betterment calculates and automatically debits the Fee from client
accounts. SVBW does not charge its portion of the wrap fee directly to clients.
Additional information about Fee for the Wrap Fee Program is contained in the Appendix 1 Wrap
Brochure, which can be obtained upon request from an IAR, or at the SEC’s website at
www.adviserinfo.sec.gov/IAPD.
Financial Planning Fees
The Financial Planning Fee is typically billed either as a fixed dollar or asset-based fee, or a
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ITEM 7 - TYPES OF CLIENTS

SVBW’s clients include individuals, IRAs, trusts, estates, charitable organizations, foundations, family
offices, banks and thrift institutions, pension plans, and profit-sharing plans, including plans subject to
ERISA, participants in such plans, corporations and other business entities.
Certain investment offerings and/or strategies require the client to maintain a minimum amount of
assets to open and invest/enroll in an Account in that offering or strategy. Where applicable, SVBW
may, in its discretion, waive or reduce these minimum requirements for certain clients or Accounts.
These include certain proprietary separate account strategies of SVBW, strategies of Third-Party
Managers, and most private fund offerings. If an Account falls below a required minimum, SVBW can
terminate its services in accordance with the terms of the Client Agreement.