River Crescent Advisors LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one a written
agreement with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid quarterly in advance pursuant to the terms of the wealth management agreement.
Wealth management fees are based on the market value of assets under management at the end of the prior quarter.
Wealth management fees range up to 1.50% annually based on several factors, including: the scope and complexity of
the services to be provided; the level of assets to be managed; and the overall relationship with the Advisor.
Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities may
be charged a higher fee.

The wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by
RCA will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s
valuation to ensure accurate billing.

The Advisor’s fee includes securities transaction costs, custody fees, and other related costs and expenses described
in Item 5.C below. However, the Advisor shall not receive any portion of these commissions, fees, and costs.

Financial Planning Services
RCA offers financial planning services as part of its wealth management fees. RCA also offers standalone financial
planning services at an hourly rate of $300 or fixed engagement fee ranging up to $2,000. Fees may be negotiable
based on the nature and complexity of the services to be provided and the overall relationship with the Advisor. An
estimate for total hours and overall costs will be provided to the Client prior to engaging for these services.

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor and deducted from the Client’s account[s] at the Custodian.
The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s
account[s] at the beginning of the respective quarter. The amount due is calculated by applying the quarterly rate (annual
rate divided by 4) to the total assets under management with RCA at the end of the prior quarter. Clients will be provided
with a statement, at least quarterly, from the Custodian reflecting deduction of the wealth management fee. Clients are
urged to also review and compare the statement provided by the Advisor to the brokerage statement from the Custodian,
as the Custodian does not perform a verification of fees. Clients provide written authorization permitting advisory fees
to be deducted by RCA to be paid directly from their account[s] held by the Custodian as part of the wealth management
agreement and separate account forms provided by the Custodian.

Financial Planning Services
Financial planning fees for standalone services may be invoiced up to fifty percent (50%) of the expected total fee upon
execution of the financial planning agreement. The balance shall be invoiced upon completion of the agreed upon
deliverable[s]. Standalone financial planning fees are paid via check.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties in connection with investments made on behalf of
the Client’s account[s]. RCA includes Covered Costs as part of its overall wealth management fee through the RCA
                                                River Crescent Advisors, LLC
                                           800 W Riverview Drive, Suffolk, VA 23434
                                Phone: (757) 651-9305 | Website: www.rivercrescentadvisors.com

Wrap Fee Program. Securities transaction fees for Client-directed trades may be charged back to the Client. The
Client will be responsible for certain costs through the custodian including margin interest, cashiering fees (ie.
Electronic funds and wire transfer fees), custody fees for non-publicly traded securities, and administrative fees (ie.
Transfer taxes, odd-lot differentials, certificate delivery fees, reorganization fees). Please see Item 4.D. above as well
as Appendix 1 – Wrap Fee Program Brochure.

In addition, all fees paid to RCA for investment advisory services are separate and distinct from the expenses charged
by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in each fund’s
prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund
expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee.
A Client may be able to invest in these products directly, without the services of RCA, but would not receive the
services provided by RCA which are designed, among other things, to assist the Client in determining which products
or services are most appropriate for each Client’s financial situation and objectives. Accordingly, the Client should
review both the fees charged by the fund[s] and the fees charged by RCA to fully understand the total fees to be paid.
Please refer to Item 12 – Brokerage Practices for additional information.

D. Advance Payment of Fees and Termination
Wealth Management Services
RCA is compensated for its wealth management services in advance of the quarter in which services are rendered.
Either party may terminate the investment advisory agreement, at any time, by providing advance written notice to the
other party. The Client may also terminate the wealth management agreement within five (5) business days of signing
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Item 7 – Types of Clients

RCA offers investment advisory services to individuals, high net worth individuals, trusts, estates, businesses, and
retirement plans. RCA generally does not impose a minimum relationship size.