AXOS Invest Inc

Fees and Compensation
Fee Schedule
Automated Investment Advisory Services
Axos Invest charges managed individual investment accounts a fee that includes the asset allocation and investment portfolio
costs (the “Model Fee”). Each investment portfolio offered by Axos Invest has been assigned a model fee. The Model Fee
is charged as compensation for Axos Invest’s investment advisory services, as described in the Advisory Business section, and
is assessed quarterly in arrears (“Billing Cycle”) using an average daily balance calculation methodology. Axos Invest and
fees for use of third-party model managers and their models are inclusive of all brokerage commissions, transaction fees,
and other related costs and expenses incurred through the investment of Client assets by the Firm, except as otherwise
noted. Axos Invest, in its sole discretion, may provide discounts to existing account holders.

Please review the Wrap Fee Brochure for details on the current Model Fees charged for each of the models made
available by Axos Invest, including those offered by Axos Invest and third-party model managers. The current Model Fees
are also listed in Axos Invest’s Managed Portfolios Client Fee Schedule, a copy of which can be found here: Legal
Disclosures | Terms and Conditions. Axos Invest’s Managed Portfolios Client Fee Schedule lists other charges and fees
that are not included in the Model Fee and which may be charged to your account.

All accounts are subject to a $40 minimum annual account fee (“Annual Fee”) with such Annual Fee charged on a
quarterly basis (that is, $10 per quarter). If the quarterly Model Fee falls below the $10 quarterly minimum Annual Fee,
Axos Invest will debit the Client account for the difference. For example, an account with $1,000 paying a 50 bps Model
Fee will be charged $5.00 annually or $1.25 quarterly. This account will be charged an additional $35.00 annually or
$8.75 quarterly to meet the $40 minimum Annual Fee.
After account opening, if a Client’s account falls below the minimum account value for the selected models and the account
minimum has not been reestablished by a deposit or market appreciation within 30 days, the Advisory Agreement will be
terminated. Client will be notified in writing 30 days prior to the Advisory Agreement being terminated. Upon termination of
the Advisory Agreement, the account will default to a standard brokerage account without access to or the benefit of Axos
Invest’s advisory services. Client will receive a letter about the reversion to a standard brokerage account with instructions
on how to reinstate to the Advisory Agreement if desired and how to transfer funds out and close the brokerage account.
Upon termination of the Advisory Agreement, no billing for Axos Invest’s advisory services will be charged; standard
brokerage fees and charges may apply.
Tax Loss Harvesting is an elective service. The minimum account size for Tax Loss Harvesting is $25,000. The fee is
.20% (or 20 bps) on assets under management. Client will have to select from eligible models for tax loss harvesting;
not all models are eligible. Separate fee billing will occur quarterly and is based on average daily balance on the last day
of the billing quarter. Client must provide information about tax loss targets and may be required to sign a separate Tax
Loss Harvesting agreement.
Charges and fees, including Model Fees and the Annual Fee, are subject to change from time to time, upon notice to
you. Your continued use of Axos Invest’s services will constitute your agreement to any such change in charges or fees.
Although Axos Invest believes its fees are competitive, lower fees for comparable services may be available from other
investment advisors.

Payment of Fees
The Model Fee and/or Annual Fee are deducted from Client assets held in their accounts. The Model Fee for
each Billing Cycle is determined using the average daily balance on the last day of the quarter-end. If a Client
withdraws assets during the Billing Cycle, the Model Fee and /or Annual Fee are pro-rated based upon the
account value on the date the withdrawal request is received and the number of days the account was managed
during the Billing Cycle.
Prepayment of Fees
The Firm does not require the prepayment of fees.

Compensation for the Sale of Securities
Neither the Firm nor its supervised persons accept compensation for the sale of securities or other investment products.

Performance-Based Fees and Side-By-Side Management
Axos Invest does not charge fees based on a share of capital gains or capital appreciation of the funds or any portion of the funds
of an advisory client, i.e., it does not charge performance-based fees.

Types of Clients
Axos Invest offers automated investment advisory services to individuals. While there are ranges of individuals who take
advantage of these services, the appeal is for those who are seeking professional asset management. Investors can access a
range of services such as asset allocation and manager/model selection that are aligned to achieve specific outcomes. There is a
minimum account size of one hundred dollars ($100) to open an account. MF Models using only MFs have an account
minimum of $100. Risk Based ETF Models, Thematic Models, and Thematic Models with BTC and/or Digital Asset ETFs all
have account minimums of $1,000. Third-party model managers and their models have varying minimums starting at
$5,000, $15,000, $25,000, and $50,000.

Methods of Analysis, Investment Strategies and Risk of Loss