Finhabits Advisors LLC

Fees and Compensation
When you subscribe to the Platform, which may or may not include a Finhabits Account, you
agree to promptly pay fees as described further herein.

Subscription Fee
Finhabits Platform Monthly Subscription Fee: For a $10 monthly Subscription Fee, you have
access to three Accounts (a Finhabits Invest Account (Emergency Reserve Portfolio), a Finhabits
Invest Account (Personal Investment Portfolio), a Finhabits IRA Account (Retirement Portfolio))
and access to the Finhabits Premium Content.

OR

Finhabits Platform Yearly Subscription Fee: For a $99 yearly Subscription Fee, you have access
to three Accounts (a Finhabits Invest Account (Emergency Reserve Portfolio), a Finhabits Invest
Account (Personal Investment Portfolio), a Finhabits IRA Account (Retirement Portfolio)) and
access to the Finhabits Premium Content. If you elect the Yearly Subscription Fee but your
Finhabits Account is closed and Subscription is canceled prior to the conclusion of the relevant
annual period, Finhabits will refund the pro-rata amount of the Yearly Subscription Fee within 30
days of its receipt of a written request to support@finhabits.com. Such pro-rata refund will equal
an amount equal to $8.25 for each remaining month remaining in the relevant annual period, not
including the Monthly Billing Period in which your Finhabits Account is closed and your Yearly
Subscription is canceled.

Asset Management Fee
Finhabits Asset Management Fee: If your Combined Monthly Balance across all your Accounts
on the Fee Date is less than $12,000, there will be no Asset Management Fee. If your Combined
Monthly Balance across all your Accounts on the Fee Date is equal to at least $12,000, the Asset
Management Fee in that scenario will be 1.00% per year of assets under management, charged
monthly. The Management Fee is charged only on account values between $0 and $100,000 as
of the monthly calculation of the Management Fee. To the extent the combined value of the
Accounts exceeds $100,000, Finhabits will calculate such Management Fee using a portfolio
value of $100,000. In the event that the balance of your accounts exceeds $12,000 following the
purchase of an annual subscription, your Fee will convert into an Asset Management Fee
structure upon the expiration of your Yearly Subscription term.

The Monthly Subscription Fees are non-refundable. The Monthly and Yearly subscriptions are
billed in advance on the Fee Date. Fee Date means the calendar day each month when the
applicable fee for that calendar month will be withdrawn from your Funding Source. You

acknowledge (1) that the Subscription Fee is a fixed fee and, depending on your circumstances,
may be disproportionately high relative to the assets we manage for you in your Account(s), and
(2) that the Subscription Fee is reasonable for the services you receive regardless of the assets
in your Account(s). All Accounts in the Platform must be opened by the same individual.

Clients are required to authorize Finhabits and the Custodian to directly debit the fees from the
client’s funding account. In the event we cannot deduct the Subscription Fee from a client’s
funding account, Finhabits reserves the right to withdraw the outstanding minimum subscription
due from their Finhabits Account held at the Custodian and/or terminate access to the Program.
The fees assessed in connection with Finhabits accounts will represent a significant percentage
of the assets in smaller accounts. Similar services may be available at other investment advisers
for lower total costs.

There are other fees that clients may be charged by other parties. The wrap fee or service fee
covers all trade and advisory charges for each Account as part of the Program. However, our fees
do not include other related costs and expenses. The Funds recommended by Finhabits have
fees that are distinct and separate from the fees paid to Finhabits for its wrap fee program. Clients
may also incur certain charges imposed by the Custodian and other third parties, as listed on
Schedule A. These include transfer taxes, wire transfers, electronic fund fees, and other fees and
taxes on brokerage accounts and securities transactions. Finhabits’ clients might find that the fees
from the advisory and other services that comprise the Program may cause a higher advisory
cost than if a client purchased the Funds directly.

Clients should be aware that this wrap account may cost more or less than someone would pay
to have all of the services provided separately to them. Factors that would bear upon the cost of
this account in relation to receiving the services separately include the number of different service
providers needed to achieve the results, the need for increased coordination and management,
and the execution capabilities, speed, and efficiency of the various service providers.

Either party may terminate the advisory relationship through our web-based application at any
time. If a client wishes to terminate the relationship via email, he or she can contact us at
support@finhabits.com. The termination will take effect promptly upon our receipt of the e-mail
from the client or the notification from the web-based application. Finhabits may terminate a
client’s access to our online service if we believe a client is in breach of the Finhabits Terms of
Use and/or Advisory Agreement. Subscription fees are not prorated if we or a client terminates
access to the Program intra-monthly.

When a Wrap Fee Account is terminated, the securities in the Account will be sold and the cash
will be returned to the client’s designated bank account usually within 5 business days.

Finhabits reserves the right to reduce or vary any fees associated with the Program at its sole
discretion.

Financial Planning
Finhabits offers certain financial planning services covering topics such as guidance for
budgeting, life goals, and debt management. It is the client’s responsibility to determine if and
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