RiversEdge 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 shall sign one or more agreements that detail the responsibilities of RiversEdge Advisors and the Client.

 A. Fees for Advisory Services
    Investment Management Services

    Investment advisory fees are paid quarterly, at the end of each calendar quarter, pursuant to
    the terms of the investment advisory agreement. Quarterly fees are calculated based on the daily average balance.
    However, fees for accounts that have been placed with an Independent Manager are calculated based on the value of the
    account[s] as of the last business day of the calendar quarter.

    Our advisory fee is tailored to each client based on the services provided and relevant factors, typically as a percentage of
    assets under management and/or advisement. The fee can range up to 1.50% per annum and applies to all discretionary
    and non-discretionary assets under management and advisement, unless agreed otherwise with the client. Clients who
    receive financial planning and consulting services from us in addition to investment advisory services may be subject to an
    extra fee, which may be added to the advisory fee or billed separately. For consulting and reporting services, the structure
    and level of fees are determined based on the services provided and other relevant factors. All fee arrangements are
    negotiable, and the client's agreement outlines the applicable fees.

    We will aggregate (“household”) accounts for purposes of calculating advisory fees when accounts share a common owner,
    family relationship, or other qualifying factor as determined by us. This householding process may result in a blended or
    reduced fee rate based on total assets under management included in the household. However, accounts custodied at
    Fidelity are not included in the householding calculation and will be billed separately according to the applicable fee
    schedule. Accordingly, Clients with accounts at Fidelity and at another custodian will receive more than one fee calculation.

    The investment advisory fee in the first month of service is prorated from the inception date of the Client’s account[s] to the
    end of the first calendar quarter. Fees may be negotiable at the sole discretion of the Advisor. All securities held in accounts
    managed by RiversEdge Advisors will be independently valued by the Custodian. RiversEdge Advisors will not have the
    authority or responsibility to value portfolio securities.

    Clients may make additions to and withdrawals from their account[s] at any time, subject to RiversEdge Advisors’ right to
    terminate an account. Additions may be in cash or securities provided that RiversEdge Advisors reserves the right to liquidate
    any transferred securities or decline to accept particular securities into a Client’s account[s]. Clients may withdraw account
    assets on notice to RiversEdge Advisors, subject to the usual and customary securities settlement procedures. However,
    RiversEdge Advisors designs its portfolios as long-term investments and the withdrawal of assets may impair the
    achievement of a Client’s investment objectives. RiversEdge Advisors may consult with its Clients about the options and
    ramifications of transferring securities. However, Clients are advised that when transferred securities are liquidated, they are

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   subject to transaction fees, fees assessed at the mutual fund level (i.e. contingent deferred sales charge) and/or tax
   ramifications.

   The advisory fee explained above includes RiversEdge Advisors’ held-away account services through the Pontera online
   platform for direct management of 401ks, 403bs, 529 plans, and other assets for which RiversEdge Advisors does not have
   custody and are held at custodians other than Schwab. Client investment management fees for such held-away accounts
   will be deducted from an account under RiversEdge Advisors’ management held at Schwab. Fees are based on the assets
   within these accounts according to the valuation of the accounts at the close of the quarter as valued by the account
   custodian. RiversEdge Advisors strongly encourages Client to confirm the market values for accuracy against Client’s
   custodian statements.

   Clients have the option to have fees billed directly to their checking or savings accounts. RiversEdge utilizes Bluepay and/or
   Quickbooks to bill clients.

   Use of Independent Managers – As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment
   portfolio utilizing one or more Independent Managers. RiversEdge Advisors will be compensated via a fee share from the
   advisors to which it directs those clients. This relationship will be disclosed in each contract between RiversEdge Advisors
   and each Independent Manager. The fees shared will not exceed any limit imposed by any regulatory agency. This creates a
   conflict of interest in that the Advisor has an incentive to direct clients to the Independent Managers that provide the
   Advisor with a larger fee split. RiversEdge Advisors will always act in the best interests of the client, including when
   determining which Independent Manager to recommend to clients. Independent Managers typically do not offer any fee
   discounts but may have a breakpoint schedule which will reduce the fee with an increased level of assets placed under
   management with an Independent Manager. The Advisor will allocate a portion of the advisory fee collected to the
   Independent Manager pursuant to the terms of the executed agreement between the Advisor and the Independent
...

Item 7 – Types of Clients

RiversEdge Advisors offers advisory services to individuals, high net worth individuals, families, trusts, estates, businesses, and
retirement plans.

RiversEdge Advisors generally does not impose a minimum size for establishing a relationship. However, certain investments
and strategies may require certain minimums for effective implementation.