Access Softek Advisory Services LLC

Item 5 – Fees and Compensation

Advisory Fees

Annual fees charged for our web-based, discretionary and non-discretionary investment management
services are generally charged based on a percentage of assets under management, divided and billed in
advance (at the beginning of the billing period) on a monthly calendar basis and calculated based on the
fair market value of your account as of the last day of the prior calendar month. Standard annual fees range
between 0.30% and 0.80% of the total assets held in managed accounts, subject to a minimum fee of $0.50
per month. For example, if your annual fee is 0.45% you will be assessed a monthly fee equal to 0.0375%
multiplied by the fair market value of your account as of the last date of the prior calendar month.

Fees are prorated (based on the number of days service is provided during the initial billing period) for your
account opened at any time other than the beginning of the billing period. If asset management services
are commenced in the middle of the billing period, then the prorated fee for that billing period is based on
the value of the account when services commence and is due immediately and will be deducted from your
account when services commence. Fees for the YourChoice Account wrap-fee program are charged on a
monthly basis. The standard monthly fee generally ranges between $3.00 and $3.50, which covers both
the advisory fee and trades up to the lesser of 500 shares or 50 trades per month. If you either of those
thresholds, you are charged a fee of $.01 for each additional share traded (fractional shares are rounded
up), with a minimum fee of $.05 per trade. For more information about fees related to our wrap-fee program,
please refer to the Form ADV Part 2A Appendix 1: Wrap Fee Brochure.

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We do not negotiate fees with clients. However, fee rates charged may vary among clients based on the
client’s credit union. This is because we allow credit unions discretion to determine the specific fee rates
charged to their clients.

Access Softek Advisory Services believes that its annual fee is reasonable in relation to: (1) services
provided and (2) the fees charged by other investment advisers offering similar services/programs.
However, our annual investment advisory fee may be higher than that charged by other investment advisers
offering similar services/programs.

Transaction-Based Fees

With respect to Digital Assets Accounts only, a transaction-based fee is charged for each Digital Assets
transaction. The transaction-based fee is typically 2% of the transaction amount. For example, the purchase
or sale of $100 worth of Bitcoin will result in a $2 transaction-based fee paid to Access Softek Advisory
Services.

How Fees are Collected

With respect to the Securities Accounts, investment advisory fees will be deducted from your account and
paid directly to our firm by DriveWealth, LLC. You must designate Access Softek Advisory Services as
your investment adviser on the accounts you’d like Access Softek Advisory Services to manage. Access
Softek Advisory Services will be granted limited power-of-attorney on the account to implement trades
within the account and (when agreed to by the client) deduct the Access Softek Advisory Services advisory
fees from the account. DriveWealth, LLC will send client statements, at least quarterly, showing all
disbursements for the account including the amount of the advisory fee deducted directly from the account.

With respect to Digital Assets Accounts, investment advisory fees and transaction-based fees will be
deducted from your account and paid directly to our firm by BitGo. You must designate Access Softek
Advisory Services as your investment adviser on the accounts you’d like Access Softek Advisory Services
to manage. Access Softek Advisory Services will be granted limited power-of-attorney on the account to
implement trades (upon the prior authorization of the client) within the account and (when agreed to by the
client) deduct the Access Softek Advisory Services advisory fees and transaction-based fees from the
account. BitGo will send client statements showing all disbursements for the account including the amount
of the advisory fee deducted directly from the account.

You should review your account statements received from DriveWealth, LLC and/or BitGo, as applicable,
and verify that appropriate investment advisory fees and transaction-based fees, as applicable, are being
deducted. Neither DriveWealth, LLC nor BitGo will verify the accuracy of the investment advisory fees or
transaction-based fees deducted. It is Access Softek Advisory Services’ and client’s responsibility to verify
the accuracy of Access Softek Advisory Services’ fee calculation.

Other Fees and Expenses

Brokerage expenses and/or transaction ticket fees charged by DriveWealth, LLC are billed directly to your
account by DriveWealth, LLC. Access Softek Advisory Services does not receive any portion of such
expenses or fees from you or DriveWealth, LLC. In addition, you may incur certain charges imposed by
third parties other than Access Softek Advisory Services in connection with investments made through your
account including, but not limited to surrender charges, internal mutual fund expenses, IRA and qualified
retirement plan fees and charges imposed by DriveWealth, LLC. Management fees charged by Access
Softek Advisory Services are separate and distinct from the fees and expenses charged by mutual funds
that are held in your account. A description of these fees and expenses are available in each mutual fund
prospectus. We do not receive any portion of such fees or expenses.

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Expenses charged by BitGo are billed directly to your account by BitGo. Access Softek Advisory Services
...

Item 7 – Types of Clients

Access Softek Advisory Services provides web based, discretionary and non-discretionary investment
management services to natural person, individual clients and their family accounts.

You are required to execute a written agreement with Access Softek Advisory Services specifying the
particular advisory services in order to establish a client arrangement with Access Softek Advisory Services.

Minimum Investment Amounts Required and Other Conditions

With respect to the Securities Accounts and Digital Assets Accounts, Access Softek Advisory Services
requires a minimum of $200.00 in order to open such account and to keep such account open.

Investors evaluating Access Softek Advisory Services’ web-based investment management service should
be aware that Access Softek Advisory Services’ relationship with clients is likely to be different from the
“traditional” investment advisor relationship in several aspects:

1. Access Softek Advisory Services is a software-based investment advisor which means each client must
acknowledge her ability and willingness to conduct her relationship with Access Softek Advisory Services
on an electronic basis. Under the terms of our agreement, each client agrees to receive all account
information and account documents (including this Brochure), and any updates or changes to same,
through their access to our website and Access Softek Advisory Services’ electronic communications.
Unless noted otherwise on the website or within this Brochure, Access Softek Advisory Services’ advisory
service, the signature for our client agreement, and all documentation related to the advisory services are
managed electronically. Access Softek Advisory Services does make individual representatives available
to discuss servicing matters with clients.

2. To provide its discretionary and non-discretionary investment advisory services, as applicable, and tailor
its investment decisions to each client’s specific needs, Access Softek Advisory Services collects
information from each client, including specific information about their investing profile such as financial
situation, investment experience, and investment objectives. Access Softek Advisory Services maintains
this information in strict confidence subject to our Privacy Policy. When customizing our investment
solutions, Access Softek Advisory Services relies upon the information received from a client. Although
Access Softek Advisory Services contacts its clients periodically as described further in Item 13 below, a
client must promptly notify Access Softek Advisory Services of any change in her financial situation or
investment objectives that might require a review or revision of her portfolio.

3. With respect to Access Softek Advisory Services’ management of the Securities Accounts, the software
based financial advisor service includes preselected ETFs and mutual funds for each asset class within the
plan recommended to a client. Access Softek Advisory Services does not allow clients to select their own
investments because each mutual fund and asset class is considered to be part of the overall investment
plan. Investors with overly restrictive investment restrictions may not be permitted to become clients.

4. With respect to Access Softek Advisory Services’ management of the Digital Assets Accounts, Access
Softek Advisory Services may not, without prior client authorization, invest in, hold for investment, own,
assign, transfer, sell, exchange, trade in, lend, pledge, deliver and otherwise deal in Digital Assets at the

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client’s risk for such account. The client is free at all times to accept or reject any investment
recommendations from Access Softek Advisory Services. Additionally, Access Softek Advisory Services
generally warns its clients not to exceed the 10% Threshold