WISS Private Client Advisors LLC

Item 5. Fees and Compensation
      Wiss Private Client Advisors, LLC offers services on a fee basis, specifically, fees based upon assets
      under management. Additionally, certain of the Firm’s Supervised Persons, in their individual capacities,
      offer insurance products under a separate commission-based arrangement.

      Investment and Wealth Management Fees

      Wiss Private Client Advisors, LLC offers investment management services for an annual fee based on the
      amount of assets under the Firm’s management.

      This annual fee varies between 65 and 150 basis points (0.65% – 1.50%) in accordance with the following
      fee schedule:

                                     PORTFOLIO VALUE                      BASE FEE
                                         Up to $500,000.00                   1.50%
                                   $500,000.01 - $1,000,000.00               1.25%
                                  $1,000,000.01 - $4,000,000.00              1.10%
                                 $4,000,000.01 - $10,000,000.00              0.90%
                                 $10,000,000.01 - $20,000,000.00             0.85%
                                      Above $20,000,000.00                   0.65%

      The annual fee is prorated and charged quarterly, in advance, based upon the market value of the assets
      being managed by Wiss Private Client Advisors, LLC on the last day of the previous billing period.

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 Disclosure Brochure

      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. The initial advisory fee for accounts established during a calendar
      quarter will be stated and charged the first full calendar quarter and will be charged a prorated portion of
      the fee for the current quarter.

      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. Additionally, for
      asset management services the Firm provides with respect to certain client holdings (e.g., held-away
      assets, accommodation accounts, alternative investments, etc.), Wiss Private Client Advisors, LLC may
      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 Wiss
      Private Client Advisors, LLC for 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.

      Fee Discretion

      Wiss Private Client Advisors, LLC 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 Wiss Private Client Advisors, LLC, 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,
      reporting charges, fees charged by the Independent Managers, margin 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.

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 Disclosure Brochure
   Direct Fee Debit

   Clients provide Wiss Private Client Advisors, LLC 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 Wiss Private Client Advisors, LLC.
   Alternatively, clients may elect to have Wiss Private Client Advisors, LLC send a separate invoice for
   direct payment.

   Use of Margin

   Wiss Private Client Advisors, LLC can recommend that certain clients utilize margin in the client’s
   investment portfolio or other borrowing. Wiss Private Client Advisors, LLC only recommends such
   borrowing for non-investment needs, such as bridge loans and other financing needs. The Firm’s fees are
   determined based upon the value of the assets being managed gross of any margin or borrowing.

   Account Additions and Withdrawals

   Clients can make additions to and withdrawals from their account at any time, subject to Wiss Private
   Client Advisors, LLC’ right to terminate an account. Additions can be in cash or securities provided that
   the Firm reserves the right to liquidate any transferred securities or declines to accept particular securities
...

Item 7. Types of Clients
   Wiss Private Client Advisors, LLC offers services to individuals, trusts, estates, charitable organizations,
   corporations and business entities, and pension and profit sharing plans.

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 Disclosure Brochure
   Minimum Account Value

   As a condition for starting and maintaining an investment management relationship, Wiss Private Client
   Advisors, LLC imposes a minimum portfolio value of $1,000,000. Wiss Private Client Advisors, LLC
   may, in its sole discretion, 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. Wiss Private Client Advisors, LLC 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. Wiss Private Client Advisors, LLC may aggregate the
   portfolios of family members to meet the minimum portfolio size.