Carry Advisors LLC

Item 5- Fees and Compensation
Advisory Fees
In order to open an advisory account, Carry Advisors clients must also maintain an active Carry
membership provided by our parent company, Lettuce Financial Labs Inc. ("Lettuce"), which charges
membership fees. The Carry membership was previously known as the Vibes membership and was
renamed following our May 27, 2026 acquisition by Lettuce; the requirement is otherwise unchanged.
The Carry Core Membership costs $29/month or $299 annually. The Carry Pro Membership costs
$49/month or $499 annually. This Carry membership is separate and distinct from any membership
offered on the Lettuce platform. Please visit www.carry.com for information on the Carry membership
and costs. Carry Advisors clients who maintain a Carry membership may be charged a fee for advisory
services depending on the account type. Bank/trust accounts are not advised accounts and carry no
advisory fee; any interest-rate spread or bank service fees are set by the partner institution and disclosed
separately.

Uniform discretionary fee schedule.

             Program                                Annual rate                       Billing cadence

 Roboadvisor – accounts opened       0.20 %                                       Monthly in arrears
 on/after June 20, 2025

 Roboadvisor – accounts opened       0 % (grandfathered until 1/1/27; 30-day      —
 before June 20, 2025                advance notice will be provided)

 Smart Yield                         0.20 %                                       Monthly in arrears

 Equities (self-directed)            0 %*                                         —

*All accounts require an active Carry membership; see below.

Effective July 1, 2026, Carry Advisors has waived the advisory fee for all discretionary programs, including
Smart Yield and Roboadvisor. The current annual advisory fee for these programs is 0.00% of assets
under management (i.e., no advisory fee is charged). Carry Advisors reserves the right to reinstate an
advisory fee in the future, at a rate determined by Carry Advisors at that time, upon at least 30 days’
prior written notice to affected clients. Prior to July 1, 2026, Carry Advisors charged an annual advisory
fee of 0.20% of assets under management for these programs.  If and when an advisory fee is reinstated,
fees would be calculated daily, accrued and deducted monthly in arrears by instructing the qualified
custodian to liquidate fund shares or debit cash.

Grandfathered accounts: Roboadvisor accounts opened before June 20, 2025 previously remained on a
legacy $0 advisory-fee schedule for a transition period ending January 1, 2027. This grandfathering
provision is superseded by the firm-wide advisory-fee waiver effective July 1, 2026, under which all
discretionary accounts — regardless of when opened — currently pay no advisory fee. This provision
would become relevant again only if the advisory fee is reinstated as described above.  We will notify
affected clients at least 30 days in advance of the change, giving them the option to close or transfer
their account without penalty.

Non-discretionary Equities accounts continue to pay no advisory fee, but must maintain an active Carry
membership to access the platform.

For Equities accounts, we do not charge an advisory or annual management fee.

For Roboadvisor accounts, effective July 1, 2026 we have waived the advisory fee, and the current
annual management fee is 0.00% of assets under management (i.e., no advisory fee is charged). You
continue to pay the membership fees for your Carry membership, which is paid to our parent company
Lettuce Financial Labs Inc. We may choose to reinstate an advisory fee in the future at a rate we
determine at that time; if we do, on at least 30 days’ prior written notice, it would be calculated daily
and charged monthly in arrears based on the average daily balance of your Roboadvisor account, and
would be automatically deducted from your Roboadvisor account by liquidating a portion of your
holdings sufficient to cover the fee amount. This fee structure applies to both taxable accounts and
retirement accounts. ETFs within Roboadvisor have internal expense ratios that will reduce returns.
These expenses are charged by the fund companies and are not paid to Carry Advisors or DriveWealth.
You should review each fund's prospectus for complete information on fees and expenses. For
retirement accounts, we acknowledge our fiduciary responsibility to ensure our fees are reasonable for
the services provided. We regularly review our fee structure in relation to the value provided by our
service, particularly for retirement assets where long-term growth and preservation are primary

concerns. Fee Illustration.  Because the advisory fee is currently waived (0.00%), an investment of
$10,000 in Roboadvisor currently incurs $0 in annual advisory fees. If we reinstate an advisory fee in the
future, the amount would depend on the rate we set at that time (for example, a 0.20% fee on $10,000
would be $20 per year, or roughly $1.67 per month).  (This illustration reflects only the advisory fee. You
will also bear each ETF’s internal expense ratio and, if applicable, your separate Carry membership fee.
These additional costs are in addition to the advisory fee and will reduce your overall return.)

For Smart Yield accounts, effective July 1, 2026 we have waived the advisory fee, and the current annual
management fee is 0.00% of assets under management (i.e., no advisory fee is charged). You continue to
pay the membership fees for your Carry membership, which is paid to our parent company Lettuce
Financial Labs Inc. We may choose to reinstate an advisory fee in the future at a rate we determine at
that time; if we do, on at least 30 days’ prior written notice, it would be calculated daily and charged
monthly in arrears based on the average daily balance of your Smart Yield account, and would be
...

Item 7 – Account Requirements and Types of Clients
The advisory program is available to Solo 401(k), IRA and taxable accounts for individual clients who use
our web platform. Users must complete a risk profile and meet the requirements to open a brokerage
account with the Broker as described above. The minimum investment amount to purchase a security is
one dollar.

Clients must maintain an active Carry membership in order to open advisory accounts and remain
members in good standing to receive full advisory services.