Firm Description and Principal Owners: Riverbend Capital Advisors, LLC (the “Adviser” or “Riverbend”) registered as an investment adviser with the United States Securities and Exchange Commission on April 8, 2011. The principal owners of the Adviser are Thomas R. Hession, Jr. and JOB Investments, LLC. The Adviser’s trading principal is Thomas R. Hession, Jr., who has approximately 30 years of experience providing investment advisory services to clients. Description of the Types of Advisory Services We Offer: Investment Management The Adviser provides continuous investment supervisory services to high net worth individuals, trusts, estates, charitable organizations and corporations, limited liability companies and other business entities. In accordance with the investment objectives of the client, the Adviser offers investment management services primarily relating to the purchase and sale of municipal bonds and fixed-income securities. The Adviser may also offer advice with respect to the following types of investments: corporate debt securities, commercial paper, mutual funds and U.S. government securities. In certain circumstances, the Adviser may also provide advice with respect to investments (regardless of type) held in a client’s portfolio at the beginning of the advisory relationship Subadvisory Services Riverbend may act as a subadviser to another adviser’s clients, particularly as to the construction and management of bond portfolios. In general, Riverbend enters into a contract with the adviser and tailors its services according to the information provided by the hiring adviser. Financial Consulting We also provide financial consulting services to high net worth individuals, trusts, estates, charitable organizations and corporations, financial institutions, limited liability companies and other business entities. In accordance with the client’s goals and objectives, and based upon an analysis of the client’s existing portfolio, assets, or other investments, the Adviser offers financial consulting services with respect to several types of investments, including but not limited to municipal bonds, fixed-income securities, corporate debt securities, commercial paper, mutual funds, and U.S. government securities. Financial consultations rendered to clients usually include general observations regarding the structure

and credit quality of the client’s existing portfolio and recommendations regarding a course of action with respect to the client’s future investments and/or reinvestments of assets. Financial consultations are typically completed on an “as needed” basis. Implementation of the recommendations will be at the discretion of the client. Riverbend does not provide financial planning services. Tailoring of Advisory Services to Client Needs and Discretionary Authority: Investment Management Clients Riverbend offers individualized investment advice to its investment management clients. The Adviser accepts discretionary authority over its investment management client accounts. For clients who elect to give the Adviser discretion over their investment advisory accounts, the Adviser will make all investment decisions, including determinations with respect to purchasing, holding or selling individual securities, as well as investment decisions regarding portfolio asset allocation and rebalancing, and otherwise have full discretionary authority over the client’s investment portfolio pursuant to a written investment advisory agreement between the client and the Adviser Clients are advised to promptly notify the Adviser if there are any changes in their financial situation or investment objectives, or if they wish to impose any reasonable restrictions upon the Adviser’s management services. Each client has the opportunity to place reasonable restrictions on the types of investments to be held in their portfolio. Restrictions on investments in certain securities or types of securities may not be possible in certain instances. Moreover, investment restriction would be limited to Riverbend’s investment management services. Riverbend does not manage assets through its financial consulting services. Financial Consulting Clients Riverbend offers general investment advice to its financial consulting clients. Implementation of the Adviser’s investment advice remains at the discretion of the client, as Riverbend does not manage assets through its financial consulting services. Wrap Fee Programs: The Adviser does not offer any wrap fee programs. Assets Under Management: As of December 31, 2023, Riverbend had $662,349,241 assets under management on a discretionary basis, and no assets under management on a non-discretionary basis.