ML Wealth LLC

Item 5             Fees and Compensation

A.     Account Fees

For client assets with discretionary investment accounts (“Managed Investing Accounts”), MLW
automatically charges a monthly account fee to every client with an active account as of the final day of
each month (the “Account Fee”). The amount of the Account Fee depends on the amount of assets that the
client holds in their Managed Investing Account as of the final day of each month, as set forth in the table
below:

       Monthly Account Fee Tier                          Account Value

                    $1                                    $0.01 - $5,000

                    $3                                 $5,000.01 - $25,000

                    $5                                   Over $25,000.01

If the client has less than $1 in the Managed Investing Account on the last business day of the month, the
assessed Account Fee will be the total in the client account as of the last business day of the month. MLW
charges the Account Fee beginning with the first full month during which a client has an active client account.

Clients who are Credit Builder Plus members or WOW members will have their Account Fees for their

Managed Investing Account waived for as long as their membership remains active and in good standing.
If a client has their membership suspended, then MLW will resume charging Account Fees for their account
beginning with the first full month during which a client’s membership is suspended.

Clients with non-discretionary investment accounts (“Active Investing Account”) do not pay an account fee
to MLW but must be a WOW member in good standing in order to obtain and maintain access to their Active
Investing Account. If a WOW member has their membership suspended, then clients will no longer be able
to purchase new Single Stocks and/or ETFs in their Active Investing Account, but clients will be able to
perform certain actions within their Active Investing Account, including selling their Single Stocks and/or
ETFs, in full or in part, and withdrawing any settled cash. The fees associated with the WOW membership
program (as described in Item 4.B above) are paid to ML Plus and not to MLW.

B.     Fee Billing

The Account Fee on Managed Investing Accounts is charged on a monthly basis in arrears. MLW reserves
the right, in its sole discretion, to institute additional fees for all or certain client accounts in the future, subject
to advance notice. In addition, MLW may reduce or waive its fees for the accounts of some clients without
notice to, or fee adjustment for, other clients.

C.     Other Account Fees

A summary of fees associated with the Credit Builder Plus membership program and the WOW membership
program can be found in Item 4.B, above.

Neither MLW nor its employees receive or accept any direct or indirect compensation related to investments
that are purchased or sold for MLW client accounts.

The issuers of some of the securities or products MLW purchases for clients may charge fees that are
included in the cost of their securities or products and that affect MLW clients. To the extent that the issuers
charge MLW fees for their securities or products that are not included in the cost of their securities or
products, MLW does not charge or pass these fees on to clients, and MLW does not benefit directly or
indirectly from any such fees. For example, an ETF typically includes embedded expenses that may reduce
the fund's net asset value, and therefore directly affects the fund's performance and indirectly affects a
client’s portfolio performance or an index benchmark comparison (See Item 8.C for a more detailed
explanation). Such ETF fees and expenses may include management fees, custodian fees, brokerage
commissions, and legal and accounting fees. These ETF expenses may change at the sole discretion of
the ETF issuer.

The costs associated with Secured Loans (including interest on such loans in the form of APR or transaction
fees) are not included in the Account Fee or any membership fees, and will result in additional compensation
to MLW’s affiliates in the form of interest payments or transaction fees from clients. Please refer to Item 10
below for important disclosures around the conflicts of interest associated with offering clients the Secured
Loan.

D.     Refund, Termination, and Withdrawal Policy

MLW receives no prepaid fees because it only charges the Account Fee in arrears. In the event of account
termination, withdrawal or update, unless otherwise directed by the client, MLW may sell the securities in
the client account (or portion of the account, in the case of a partial withdrawal or update) at market prices
at the time of the termination, withdrawal or update. Clients will be responsible for any applicable taxes

based on realized gains and will be provided with the necessary tax documents by DriveWealth on an annual
basis. No Account Fees are refunded or charged on a pro-rata basis after termination of a client account.
At the discretion of MLW, clients may be charged the Account Fee upon termination of their accounts.

Specific termination and withdrawal restrictions are as follows:

MoneyLion Non-members

MoneyLion clients who are not members in either of the membership programs may terminate their
investment advisory relationships with MLW at any time without penalty by providing notice to MLW.

Credit Builder Plus or WOW Membership Programs

Clients may terminate their advisory agreements without penalty by providing notice to MLW, so long as
such clients have not pledged the cash or securities in their Credit Reserve Accounts as collateral for an
outstanding Secured Loan originated by a Lender. In the event of termination, those clients will receive the
value of all remaining securities in their investment and Credit Reserve accounts.

If clients have pledged securities in their Credit Reserve Accounts as collateral for a Secured Loan originated
...

Item 7              Types of Clients

MLW offers investment advisory services to individuals.

The minimum amount needed to open a Managed Investing Account or an Active Investing Account is $0.
Requirements for opening and maintaining MLW accounts are described in detail in Items 4.B and 5.C.

At its election, ML Plus or its affiliates may initially make a deposit to fund a new account as an incentive for
individuals to sign up for an investment account.

Investors evaluating MLW’s services should be aware that MLW’s relationship with clients is likely to be
different from the “traditional” investment adviser relationship in several aspects:

      •     MLW is a software-based financial adviser, which means each client acknowledges its ability and
            willingness to conduct a relationship with MLW on an electronic basis and to receive all
            documentation related to the advisory services on an electronic basis. MLW does not make
            individual representatives available to discuss servicing matters with clients.
      •     MLW will provide its discretionary investment advisory services by utilizing the questionnaire
            clients fill out when opening Managed Investing Accounts. MLW will remind clients with a
            Managed Investing Account via email on at least a yearly basis that they are able to update their
            stated risk preferences, and MLW clients will be able to utilize the risk slider to modify their
            portfolio allocation strategies at any time after account funding. Eligible clients may also choose
            to update their portfolio allocations by electing to include Thematic Portfolios. From time to time,
            MLW may request that clients answer questionnaires seeking additional information on those
            clients’ investment profiles. Neither MLW nor any of its employees or representatives meet with
            clients face-to-face.
      •     MLW’s Managed Investing Account utilizes a series of pre-selected ETFs, and MLW does not
            allow clients to select their own ETFs. However, as noted above, eligible clients with Managed
            Investing Accounts may use the risk slider to modify their portfolio allocation strategy and may
            also choose to invest in various managed Thematic Portfolios.
      •     Clients may only place orders to purchase or sell securities on a self-directed basis using the
            MoneyLion App in their Active Investing Account from the limited universe of Active Securities
            selected by MLW.