Traveka Wealth LLC

Item 5. Fees and Compensation

      Traveka Wealth offers wealth management services for an annual fee based on the amount of assets
      under the Firm’s management. This management fee varies up to 125 basis points (1.25%),
      depending upon the size and composition of a client’s portfolio, the type and amount of services
      rendered and the individual(s) providing the services. The fee can be for a fixed percentage or can
      also included a blended fee schedule based up on the assets under management or advisement with
      the Firm.

      The annual fee is prorated and charged quarterly, in advance, based upon the market value of the
      assets being managed by Traveka Wealth on the last day of the previous quarter as determined by
      a party independent from the Firm (including the client’s custodian or another third-party).
      Alternatively, the Firm may change the fixed fee for the investment management services. The
      fixed fee will be individually negotiated and will be based upon a number of factors including the
      size and composition of a client’s portfolio, the type and amount of services rendered and the
      individual(s) providing the services.

      The Firm includes cash in a client’s account in determining the valuation for billing purposes. The
      Firm may, in its sole discretion, not include cash in determining the fee, especially where a client
      has a high percentage of cash for reasons other than the Firm's investment management decision.

      If assets are deposited into or withdrawn from an account after the inception of a billing period,
      fee adjustments will be made for deposits and withdrawals in excess of $50,000 during the quarter.
      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.), Traveka
      Wealth can negotiate a fee rate that differs from the range set forth above. Clients are advised that
      a conflict of interest exists for the Firm to recommend that clients engage Traveka Wealth for

Page | 8

 Disclosure Brochure                                                         Traveka Wealth, LLC

      additional services for compensation, including rolling over retirement accounts or moving other
      assets to the Firm’s management. Clients retain absolute discretion over all decisions regarding
      engaging the Firm and are under no obligation to act upon any of the recommendations.

      If an account is being charged a minimum account program fee because of the total market value of the
      account, the advisory fee charged can be higher than the stated maximum annual fee quoted above.

      Fee Discretion

      Traveka Wealth 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, pro bono activities, or competitive purposes.

      Additional Fees and Expenses

      In addition to the advisory fees paid to Traveka Wealth, 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, transaction fees, custodial fees, fees attributable to alternative
      assets, Independent Managers, margin and other borrowing costs, 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.

      Dynasty Fees

      As discussed above in Item 4, we use Dynasty's TAMP services. Depending on the program used
      or chosen by the Client, the Dynasty Program Fee is included in the annual investment
      management fee or paid by the Client. The Third-Party Manager related charges are not included
      in the investment management fee you pay to us. Clients are charged, separate from and in addition
      to their investment management fee, any applicable Third-Party Manager fees. Our Firm does not
      receive any portion of the fees paid directly to Dynasty or the service providers made available
      through its platform, including the Third-Party Managers.

Page | 9

 Disclosure Brochure                                                          Traveka Wealth, LLC

      The Dynasty Program fees that are allocated to the Client will be as follows:

            Program                          Maximum Fee                      Minimum
                                                                              Account Fee
            Model Mgt Overlay                .10%                              $60
            UMA                              .19%                              $120
            SMA - Equity                     .14%                              $120
            SMA – Taxable FI                 .10%                              $120
            SMA - Muni                       .08%                              $120
...

Item 7. Types of Clients

      Traveka Wealth offers services to individuals, trusts, estates, corporations and other business
      entities, pension and profit-sharing plans.

      Minimum Account Value and Fee

      As a condition for starting and maintaining an investment management relationship, Traveka
      Wealth imposes a minimum annual fee of $20,000 (assessed quarterly, pro rata) or a minimum
      portfolio value of $2,000,000. Traveka Wealth may, in its sole discretion, charge a lesser minimum
      fee and accept clients with smaller portfolios 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 bono
      activities. The minimum fee will cause clients with smaller portfolios to incur an effective fee rate
      that is higher than the Firm’s stated fee. Traveka Wealth only accepts clients with less than the
      minimum portfolio size if the Firm determines the smaller portfolio size will not cause a substantial
      increase of investment risk beyond the client’s identified risk tolerance. Traveka Wealth may, in its
      sole discretion, aggregate the portfolios of family members to meet the minimum portfolio size.