Riverbend Wealth Management LLC

Fees and Compensation - Item 5

 Financial Planning Services Fees
 RWM charges a negotiable hourly fee of up to $500.00 or a fixed fee of up to $10,000.00 for financial planning
 services. Prior to engaging RWM to provide financial planning services, clients will be required to enter into a
 written financial planning agreement. The financial planning agreement will set forth the terms and conditions of
 the engagement and will describe the scope of the services to be provided.

 50% of the financial planning fees is payable upon execution of the financial planning agreement with the balance
 due and payable upon completion of contracted services. Fee payment arrangements may be negotiated with the
 client on a case-by-case basis and all such arrangements will be clearly set forth in the financial planning
 agreement signed by the client and the firm.

 Where an Outside Adviser is used for the preparation of the financial plan, the Outside Adviser will be responsible
 for the calculation and deduction/invoicing of our financial planning fee in accordance with the terms of our
 financial planning agreement. The Outside Adviser will keep a portion of the fee and will remit a portion of the
 fee to us.

 Either party may terminate the financial planning agreement by written notice to the other. In the event the client
 terminates RWM’s financial planning services, the balance of any prepaid, unearned fees (if any) will be promptly
 refunded to the client. RWM does not require the prepayment of over $1,200, six or more months in advance.

 Portfolio Management Services - Wrap Fee Program
 Detailed information about the Riverbend Wrap Fee Program and program fees is provided in the Form ADV Part
 2A, Appendix 1 (Wrap Brochure) that is attached to this Form ADV Part 2A Disclosure Brochure.

 Retirement Plan referral services Fees
 Advisory fees charged by third-party investment advisers are separate and apart from our advisory fees. Advisory
 fees that you pay to third-party investment advisers are established and payable in accordance with the Form
 ADV Brochure provided by each third-party investment adviser to whom you are referred. These fees may or may
 not be negotiable. We will receive a share of the fee charged by the third-party investment adviser based on the
 payout schedule we negotiate with each third-party investment adviser. Since our compensation may differ
 depending upon our individual agreement with each third-party investment adviser, we have an incentive to
 recommend one third-party investment adviser over another third-party investment adviser with whom we have
 less favorable compensation arrangements. At all times RWM and its Associated Persons uphold their fiduciary
 duty of fair dealing with clients.

 You will be required to sign an agreement directly with the third-party investment adviser(s). You may terminate
 your advisory relationship with the third-party investment adviser(s) according to the terms of your agreement
 with the third-party investment adviser(s). You should review each adviser’s brochure for specific information on
 how you may terminate your advisory relationship with the adviser and how you may receive a refund, if
 applicable. You should contact the third-party investment adviser directly for questions regarding your advisory
 agreement with the third-party investment adviser.

 A complete description of the services provided by third-party investment advisers, the amount of total fees, the
 payment structure, termination provisions and other aspects of the relationship are detailed and disclosed in the
 third-party investment adviser’s Form ADV or other applicable disclosure documents. A copy of all relevant
 disclosure documents of the third-party investment adviser and the individual servicing the client relationship will
 be provided to anyone interested in these programs/managers.

 Additional Information about Fees and Expenses

Riverbend Wealth Management, LLC
Form ADV Part 2A

 All fees paid to RWM for investment advisory services are separate and distinct from the fees and expenses
 charged to shareholders by investment companies like unit investment trusts, mutual funds or exchange traded
 funds. These fees and expenses are described in each fund's prospectus. These fees generally include a
 management fee, other fund expenses, and a possible distribution fee. If the fund also imposes sales charges, you
 may pay an initial or deferred sales charge.

 You could invest in a mutual fund directly, without the services of RWM. In which case, you would not receive
 ongoing planning and portfolio management services provided by RWM, which are designed, among other things,
 to assist you in determining which mutual fund or funds are most appropriate for your financial condition and
 objectives. Accordingly, you should review both the fees charged by the funds and the fees charged by RWM to
 fully understand the total amount of fees to be paid by you to evaluate the advisory services being provided.
 Although RWM uses its best efforts to purchase lower-cost mutual fund shares when available, some mutual fund
 companies do not offer institutional classes to us or funds that do not pay 12b-1 distribution fees.

 IRA Rollover Considerations
 As a normal extension of financial advice, we provide education or recommendations related to the rollover of an
 employer-sponsored retirement plan. A plan participant leaving employment has several options. Each choice
 offers advantages and disadvantages, depending on desired investment options and services, fees and expenses,
 withdrawal options, required minimum distributions, tax treatment, and the investor's unique financial needs and
 retirement plans. The complexity of these choices may lead an investor to seek assistance from us.

 An Associated Person who recommends an investor roll over plan assets into an Individual Retirement Account
...

Types of Clients - Item 7

 We generally offer investment advisory services to individuals, pension and profit-sharing plans and participants,
 trusts, estates, charitable organizations, corporations, and other business entities.

 RWM requires a minimum of $500,000 to establish an advisory relationship. In our sole discretion, we may waive
 this requirement. This requirement can be met by combining two or more accounts owned by you or related
 family members.

                       Methods of Analysis, Investment Strategies and Risk of Loss - Item 8