Rivertree Advisors LLC

Item 5.     Fees and Compensation

RiverTree offers its services on a fee-only basis, which is based on a percentage of assets under
management for investment management relationships, and fixed and/or hourly fees for certain
financial planning and consulting engagements. RiverTree does not currently have any clients on
an hourly or fixed-fee basis.

RiverTree Advisors, LLC Disclosure Brochure
Investment Management Fees

RiverTree charges an annual asset-based fee in accordance with the following blended fee
schedule:

                        Assets Under Management                Annual Fee
                        The First $1,000,000                        1.20%
                        The Next $2,000,000                         0.95%
                        The Next $2,000,000                         0.75%
                        The Next $5,000,000                         0.55%
                        The Next $10,000,000                        0.35%
                        Over $20,000,000                            0.25%

RiverTree’s annual fee is prorated and charged quarterly in advance, based on the market value
of the assets being managed by the Firm on the last day of the previous quarter. Clients retain the
ability to make account deposits or withdrawals at any time, provided that investment
management fees will be adjusted to reflect inflows of more than $100,000 per quarter which
occur during a billing period. RiverTree does not credit accounts for partial outflows of funds.
For the initial term of an engagement, the fee is calculated on a pro rata basis. And, in the event
the Agreement is terminated, the fee for the final billing period is prorated through the effective
date of the termination of the engagement, and the unearned portion is refunded to the client, as
appropriate.

RiverTree’s annual fee does not include trading costs, commissions, transaction fees, and
other related costs and expenses which are incurred by the client. RiverTree does not, however,
receive any portion of these expenses, fees, and costs.

Financial Planning and Consulting Fees

RiverTree may charge a fixed fee and/or hourly fee to provide clients with stand-alone financial
planning and consulting services. These fees are largely determined by the scope and
complexity of the agreed-upon services and generally range from $250 to $500 on an hourly
basis and from $2,500 to $25,000 on a fixed-fee basis.

The specific terms and fee structure are negotiated in advance and set forth in the Agreement
with RiverTree. Generally, RiverTree requires one-half of the financial planning or consulting
fee payable upon execution of the Agreement and the balance due at the time the financial plan
is delivered or when the underlying services are rendered to completion. Depending on the
arrangement, if the client engages RiverTree for additional investment advisory services,
RiverTree may offset all or a portion of its fees for those services based upon the amount paid for
the financial planning and/or consulting services.

RiverTree Advisors, LLC Disclosure Brochure
Fee Discretion

RiverTree, in its sole discretion, may negotiate to charge a lesser fee based upon certain criteria,
such as anticipated future earning capacity, anticipated future additional assets, dollar amount
of assets to be managed, related accounts, account composition, pre-existing client relationship,
account retention and pro bono activities.

Additional Fees and Expenses

In addition to the fee paid to RiverTree, clients also may incur certain charges imposed by other
third parties, such as broker-dealers, custodians, trust companies, banks and other financial
institutions (collectively “Financial Institutions”). These additional charges may include
securities trading costs, transaction fees, custodial fees, charges imposed directly by a mutual
fund or ETF held in a client’s account, as disclosed in the fund’s prospectus (e.g., fund
management fees and other fund expenses), deferred sales charges, odd-lot differentials, transfer
taxes, wire transfer and electronic fund fees, interest costs, and other fees and taxes on brokerage
accounts and securities transactions. RiverTree does not share in any of part of these additional
charges.

Fee Debit

The Firm’s Agreement and the client’s separate agreement with any Financial Institutions
authorize RiverTree to debit its clients’ accounts for the amount of the management fee and to
directly remit that fee to RiverTree. All Financial Institutions recommended by RiverTree have
agreed to send account statements to clients not less frequently than quarterly, indicating all
amounts disbursed from the account, including the amount paid directly to RiverTree.
Alternatively, RiverTree may, in its sole discretion and under limited circumstances, agree to send
clients an invoice for direct payment.

Account Additions and Withdrawals

Clients may make additions to and withdrawals from their account(s) at any time, subject to
RiverTree’s right to terminate an account. Additions may be in cash or securities, provided that
the Firm reserves the right to liquidate any transferred securities or decline to accept particular
securities into a client’s account. Clients may withdraw account assets on notice to RiverTree,
subject to the usual and customary securities settlement procedures. However, RiverTree designs
its portfolios as long-term investments, and the withdrawal of assets may impair the achievement
of a client’s investment objectives. RiverTree may consult with its clients about the alternatives
and implications of transferring securities. Clients are advised that when transferred securities
are liquidated, they may be subject to transaction fees, fees assessed at the mutual fund level (i.e.,
contingent deferred sales charge), and/or tax ramifications.

RiverTree Advisors, LLC Disclosure Brochure

Item 7.     Types of Clients

RiverTree provides its services to individuals, high net worth individuals, trusts and estates, and
business entities.

No Minimum Account Requirements

RiverTree does not impose a stated minimum fee or minimum portfolio value for opening or
maintaining an investment management relationship.