Origin Investment Advisory LLC

Item 5. Fees and Compensation

A.     Advisory Fees.

All Clients participating in the Direct-to-Consumer (“DTC”) model are required to pay an annual
subscription fee as a condition of accessing the Firm’s financial planning services and platform
features. This subscription fee is established by the Firm and disclosed to Clients during the
enrollment process. It ensures that all DTC Clients receive continuous access to the full suite of
services offered, including financial planning tools, advisory resources, and any included
features or support, for the duration of their active subscription period. The Firm reserves the
right to modify these rates upon notice to Clients.

Financial Planning

DTC Model

Under the DTC Model, Clients may purchase a monthly or annual subscription at rates
established by the Firm and disclosed during the enrollment process (the “Subscription Fee”).
The Firm reserves the right to modify these rates upon notice to Clients. The Subscription Fee
will be charged to the payment method designated by the Client during the enrollment process.
The Client’s payment method will be charged once each month or year, as applicable, at the
beginning of the subscription, and then on the first calendar day of the next month or year, as
applicable, thereafter unless and until the Client cancels their subscription. At the time of
subscription, Clients will authorize the Firm to electronically charge the provided payment
method for the Subscription Fee. Also, the Client will authorize the Firm to electronically credit
such payment method in the event of an erroneous debit.

Clients authorize the Firm to charge any payment method associated with the account in case the
primary payment method is declined or no longer available. Clients remain responsible for any
uncollected amounts, including any fees, charges, and costs associated with collection efforts. If
a payment is not successfully settled, due to expiration, insufficient funds, or otherwise, and the
Client did not cancel their subscription, then the Firm may suspend access to the services until
the Firm has successfully charged a valid payment method.

Under the DTC Model, Clients may also purchase financial planning sessions with a Firm
financial advisor (the “Financial Planning Fee”), whether or not they have a monthly or annual
subscription. The Financial Planning Fee will be charged to the payment method designated by
the Client during the enrollment process. The Client’s payment method will be charged at the
point in time when the Client purchases the financial planning session.

Employer Model

Under the Employer Model, the Firm offers a flat Service Fee per month per Client; the Firm
calculates the fee amount based on the number of clients as provided by the Client’s employer.
The Client’s employer (through a contract with the Firm and/or Blend Financial Inc.) is
responsible for this fee. The fee is non-negotiable. The Firm does not charge performance-based
fees.

Under the Employer Model, Clients may also have the option to purchase additional services
directly from the Firm: (i) a monthly or annual subscription, and/or (ii) financial planning
sessions, as detailed above.

Certain end-user Clients who either terminate their employment or whose employer discontinues
participation in the subscription program may have the opportunity to continue accessing the
Firm’s services under the Direct-to-Consumer (“DTC”) Model by paying fees directly to the
Firm. The Firm does not have any affirmative obligation to notify Clients of a change in their

service model or eligibility. It is the Client’s responsibility to inquire about, and arrange for,
continued access and payment under the DTC Model if desired.

The Service Fee is generally billed to the Client’s employer annually upon execution of a
contract with the Firm and/or Blend Financial Inc., and then annually thereafter. The Firm does
not deduct fees from Clients’ assets. In all cases, the Firm provides the employer with a written
invoice specifying the fee amount and the time period covered, concurrent with the request for
payment of advisory fees. Payment may be made by check, ACH, or wire transfer. Partial-year
services are treated as full-year services with no proration or refund; for example, if Clients
enroll or terminate in the middle of the contract year, the employer remains responsible for the
entire annual fee and no portion is refunded or prorated, although Clients may continue to access
services for the remainder of that contract year. The Firm has no affirmative obligation to notify
Clients of any change to the employer’s billing status or responsibility. It is the Client’s
responsibility to confirm ongoing eligibility and access to services in the event of any change to
the employer’s participation or payment arrangements.

Automated Index Investing (AII)

Clients who invest through the AII programs are not charged an annual management fee based
on account value by the Firm. However, the mutual funds and ETFs held within AII portfolios
may have their own fees—such as sales loads, redemption fees, exchange fees, account fees,
management fees, distribution (12b-1) fees, and other operating expenses—as detailed in each
fund’s prospectus. The total expense ratio reflects the combined annual costs of these fees. In
addition, administrative and trading costs may be imposed by DriveWealth, our exclusive
broker-dealer, in connection with your account. Clients should review and accept DriveWealth’s
separate risk disclosures and fee schedules at account opening and be aware that our exclusive
relationship with DriveWealth may present certain operational risks.

B.     Advance Payment of Fees

Fees can be paid in advance by employer Clients under the Employer Model. Individual Clients
are billed monthly or annually, as applicable, in advance. If an individual cancels their service
...

Item 7. Types of Clients

The Firm primarily provides investment advisory and financial planning services to individual
retail investors through two principal channels:

The Direct-to-Consumer ("DTC") Model: In this model, clients engage the Firm directly and pay
for services out-of-pocket, typically through a recurring subscription arrangement.

The Employer-Sponsored Model: Here, clients access the Firm’s services as an employee
benefit, with fees generally paid by the employer under a service agreement with the Firm.

The Firm does not impose minimum asset requirements for opening or maintaining an account,
nor are there minimum investment amounts or account sizes associated with its financial
planning services. This makes the Firm’s offerings broadly accessible to clients regardless of
portfolio size or financial complexity.