River Street Advisors LLC

Item 5 Fees and Compensation
Portfolio Management Services
Our fee for portfolio management services is based on a percentage of the assets in your account and
is set forth in the following annual fee schedule:

                                         Annual Fee Schedule

            Assets Under Management                                      Annual Fee
                First $1, 000,000                                          1.00%

                  Next $1,000,000                                           0.80%

                  Next $3,000,000                                           0.70%

                  Over $5,000,000                                             0.50%

Our annual fee for portfolio management services varies depending upon the market value of your
assets under our management, the type and complexity of the portfolio management services
provided, as well as the level of administration requested either directly or assumed by the client.

The annual portfolio management fee is billed and payable, monthly in arrears, based on the balance
at end of billing period. Assets in each of your account(s) are included in the fee assessment unless
specifically identified in writing for exclusion.

If the portfolio management agreement is executed at any time other than the first day of a calendar
month, our fees will apply on a pro rata basis, which means that the advisory fee is payable in
proportion to the number of days in the month for which you are a client. Our advisory fee for portfolio
management services is negotiable, depending on individual client circumstances.

At our discretion, we may combine the account values of family members living in the same household
to determine the applicable advisory fee. For example, we may combine account values for you and
your minor children, joint accounts with your spouse, and other types of related accounts. Combining
account values may increase the asset total, which may result in your paying a reduced advisory fee
based on the available breakpoints in our fee schedule stated above.

RSA generally requires a minimum account value of $250,000 for accounts it manages on a
discretionary basis. As such, there is an implied minimum annual fee of $2,500. For accounts with less
than $250,000, clients may be able to find comparable services at more favorable pricing elsewhere.
RSA, in its sole discretion, may waive the required minimum.

We will deduct our fee directly from your account through the qualified custodian holding your funds
and securities. We will deduct our advisory fee only when you have given our firm written authorization
permitting the fees to be paid directly from your account. Further, the qualified custodian will deliver an
account statement to you at least quarterly. These account statements will show all disbursements
from your account. You should review all statements for accuracy.

If you have any questions about the statement(s) you receive from the qualified custodian call our main
office number located on the cover page of this brochure.

If insufficient cash is available to pay such fees, securities in an amount equal to the balance of unpaid
fees will be liquidated to pay for the unpaid balance. RSA may modify the fee at any time upon 30
days' written notice to the client. In the event the client has an ERISA-governed plan, fee modifications
must be approved in writing by the client.

You, or RSA, may terminate the investment advisory agreement upon 30 days written notice. You will
incur a pro rata charge for services rendered prior to the termination of the portfolio management
agreement, which means you will incur advisory fees only in proportion to the number of days in the
month for which you are a client. Additionally, you have the right to terminate an agreement without
penalty within five business days after entering into the agreement if you have not received RSA's
disclosure documents (Brochure and Brochure Supplement) at least 48 hours prior to entering into the
agreement.

Financial Planning Fees Services

Fees for financial planning services are incorporated into the asset-based pricing schedule for
discretionary asset management services when you implement the financial plan through our Portfolio
Management Service. Otherwise we charged on a flat-fee basis of $1,000, in advance, for our financial
planning services. The first year of service includes development and delivery of your financial plan,
unlimited email communication and a review meeting annually.

We will not require prepayment of a fee more than six months in advance and in excess of $1,200.

A financial planning agreement may be terminated by either party for any reason upon receipt of
written notice. Upon termination of any account, any earned, unpaid fees will be due and payable. The
client has the right to terminate an agreement without penalty within five business days after entering
into the agreement if the client has not received RSA's disclosure documents (Brochure and Brochure
Supplement) at least 48 hours prior to entering into the agreement.

Additional Fees and Expenses
As part of our investment advisory services to you, we may invest, or recommend that you invest, in
mutual funds and exchange traded funds. The fees that you pay to our firm for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds or exchange
traded funds (described in each fund's prospectus) to their shareholders. These fees will generally
include a management fee and other fund expenses. You will also incur transaction charges and/or
brokerage fees when purchasing or selling securities. These charges and fees are typically imposed by
the broker-dealer or custodian through whom your account transactions are executed. We do not
share in any portion of the brokerage fees/transaction charges imposed by the broker-dealer or
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Item 7 Types of Clients
 RSA offers its investment services to various types of clients, including high-net-worth individuals,
state and municipal government agencies, charitable organizations and corporations and other legal
entities. Although RSA provides investment services to the various types of clients mentioned, the
services are conditioned upon meeting certain minimum criteria established by the firm for each of the
investment programs it offers.

RSA generally requires a minimum account value of $250,000 for accounts it manages on a
discretionary basis. As such, there is an implied minimum fee of $2,500. For accounts with less than
$250,000, clients may be able to find comparable services at more favorable pricing elsewhere. RSA,
in its sole discretion, may waive the required minimum.