YHB Investment Advisors Inc

Item 5 – Fees and Compensation

Personal Asset Management Fees
We are compensated for our investment advisory services based on a percentage of the
assets under our management. The fee will be deducted quarterly in advance based on the
account value (including cash and equivalents, gross of margin loans) at the beginning of
the calendar quarter using the fee schedules outlined below. The initial fee may be pro-
rated from the date of the contract or account funding to the end of the current calendar
quarter.

    Equity and Balanced Accounts                       Fixed Income Only
      1st $2,000,000 . . . . . . . 1.00%             1st
                                                       $1,000,000 . . . . . . . 0.75%
      Next $2,000,000 . . . . . 0.75%                Next $2,000,000 . . . 0.50%
      Thereafter . . . . . . . . . . 0.50%           Thereafter . . . . . . . . 0.25%

When accounts are related by family or close association, we may aggregate several
accounts to achieve more favorable breakpoints in the fee schedule. Such related
groupings may differ from the definition of “family” groups as determined and used by
custodians for purposes of commission rates or other charges. A negotiated fee rate may
apply in certain cases considering account size, composition, complexity or other factors.
Some clients may have different fee schedules based on terms offered or negotiated when
these relationships were established. Fees may be reduced based on changes in account
size, composition, complexity or other factors.
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Either party can terminate service with written notice. Any prepaid fees will be promptly
refunded after completion of services.

Certain clients referred to YHB through the Schwab Advisor Network program in Florida as
described in Item 14 are charged by Schwab additional fees ranging from 0.15% to 0.25%.

Pension Consulting / 401(k) Asset Management Fees

The Master Retirement Plan Service Agreement identifies a quarterly advisory service fee.
The fee will be deducted quarterly in advance based on the account value (including cash
and equivalents, gross of margin loans) at the end of the previous calendar quarter. A
negotiated fee rate from the published fee schedule may apply in certain cases considering
account size, composition, complexity or other factors.

Financial/Administrative/Consulting Service Fees

Financial, administrative, or consulting service fees will be quoted based on the specific
service to be provided, the level of expertise required, and the estimated time required to
perform the service. Such fees will be quoted on either an hourly basis or as an ongoing
project fee.

Contracts may be canceled at any time, for any reason, with written notice. Prepaid,
unearned fees will be promptly refunded.

Commissions and Other Fees

Our asset management fees do not include brokerage commissions, transaction fees, or
other related costs and expenses which are paid by you. Custodians, brokers, third party
investment managers and other third parties may charge you fees such as custodial fees,
wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and
securities transactions. Mutual funds and exchange traded funds also charge management
fees which are disclosed in a fund’s prospectus. Such charges, fees and commissions are
exclusive of and in addition to our management fee. We do not receive any portion of these
commissions, fees and costs but they may contribute to soft dollar credits for research
described in Item 12.

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Item 12 further describes the factors that we consider in selecting or recommending
broker-dealers for client transactions and determining the reasonableness of their
compensation (e.g., commissions). Item 7 describes fees for trustee services.

YHB is deemed to be a fiduciary to advisory clients that are employee benefit plans or
individual retirement accounts (IRAs) pursuant to the Employee Retirement Income
Security Act (“ERISA”), and regulations under the Internal Revenue Code of 1986 (the
“Code”), respectively. As such, our firm is subject to specific duties and obligations under
ERISA and the Internal Revenue Code that include among other things, restrictions
concerning certain forms of compensation.

Item 7 – Types of Clients

We offer investment advisory services to individuals (including high net-worth
individuals), charitable institutions, corporations, foundations, municipalities, trusts and
estates, and for retirement and profit-sharing plans.

In addition to portfolio management services described above, the officers and portfolio
managers of YHB are available to be named as trustee, co-trustee or successor trustee of
living and testamentary trusts including irrevocable life insurance trusts. Working with
YHB, these individuals can provide or coordinate some or all of the following services:

          o   Trust asset custody and management
          o   Collection and distribution of income and principal
          o   Maintenance of tax records
          o   Communication with tax and other advisors
          o   Answers to financial planning questions
          o   Personal services to beneficiaries and families
          o   Bill paying and tax paying services

YHB itself does not serve in any capacity as corporate trustee. YHB trustees may charge an
add-on fee of up to 0.25% for providing trustee services. This fee is separate from the
investment advisory fee charged by YHB. Trustee fees are paid directly to the named
officer or portfolio manager serving as trustee. Additional fees may be charged for tax
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preparation, third-party advisor services, or for extraordinary administration. Fees for
larger portfolios or special circumstances may be discounted.

Under SEC regulations, individuals who serve as trustees are deemed to have “custody” of
client funds in a technical sense, and as a result, YHB is also deemed to have “custody” of
the trusts’ assets. However, client funds and securities will be maintained in individual
accounts with qualified custodians and will receive statements at least quarterly.