A. Advisory Services IQvestment offers discretionary investment management and investment advisory and sub-advisory services (collectively the “Services”) exclusively through its online web-based portal to other independent investment advisor firms, banks, credit unions, and other institutions (“Advisors”) for use with Advisor’s clients. IQvestment also provides similar services directly to individual and high net worth individual investors. IQvestment offers services through a number of different Wrap Fee Programs (the “Programs”). The Programs offer a variety of Model Portfolios that will vary depending on the individual investor’s risk appetite. IQvestment’s Model portfolios are constructed with either Equities, ETFs or Mutual funds, or a combination thereof, selected by IQvestment’s investment committee, or the investment committee of the third party manager (“Program Sponsor”) or Advisor for which IQvestment may serve as a sub-advisor (the “Model Portfolios”). IQvestment may act as either an advisor or sub-advisor in offering the Model Portfolios. Investors are required to execute an “Investment Management Agreement” provided by either the Advisor or by IQvestment. The Fees vary according to the program and are not negotiable. The annual fee for investment assets allocated on a discretionary basis to Model Portfolios shall be based on the fees as agreed to with the clients and set forth in agreement(s). The Programs’ fees will cover advisory services, trading commission, custodial, clearing and execution and account reporting. The Programs Fees vary depending on the Advisor and consist of a flat monthly fee of up to $9.95 for certain account sizes to a basis point fee up to 35 bps charged quarterly in either arrears or advance. Clients should refer to their Investment Management Agreement for the specific Fees applicable to their accounts. You should be aware that fees charged for the Programs could be higher or lower than those otherwise available if you were to select a separate brokerage service and negotiate commissions in the absence of the extra advisory service provided. Advisory Programs typically assume a normal amount of trading activity and, therefore, under particular circumstances, prolonged periods of inactivity will result in higher fees than if commissions were paid separately for each transaction. Model Portfolios utilized in IQvestment’s Programs will include registered investment companies (such as ETFs) that are subject to their own internal fees expenses. Any fees charged to an account will lower the performance returns. If a client opens and/or funds an account with the Advisor on a date other than the first day of the month, then a prorated fee will be charged for that month with respect to such contribution based on the number of days remaining in that month.

If a client terminates their account or otherwise withdraws funds from such account on any date other than the last day of the month, then a prorated fee will be charged based on the number of days in the month that the funds remained in the account prior to the withdrawal. IQvestment will automatically debit fees from the assets in a client’s account on a monthly or quarterly basis, beginning on the first day of the month following the month clients first invest with IQvestment, and may sell account assets if necessary to cover accrued but unpaid fees. Clients may terminate the Advisory Agreement at any time by providing written notice to IQvestment, or to the Advisor. For all clients, investment advice is provided exclusively through IQvestment's online digital platform. B. Fee Comparison IQvestment, not the client, is responsible for paying monthly brokerage and clearing fees to the custodian. Because the number of transactions made in a client’s account will vary based on the individual investor’s profile, the Programs comes with an additional risk that clients may pay more than what a client would have been charged had these services been purchased separately. Specifically, a wrap fee programs may not be in the best interest of a client with low trading volumes as compared to a non-wrap fee account or brokerage account where the client would otherwise pay trading costs as incurred but a lower fee in a non-wrap account or no advisory fee in a brokerage account. C. Additional Fees In certain circumstances disclosed in the Advisory Agreement (defined below), IQvestment reserves the right to charge a client for special requests or other non-customary services. As described above, IQvestment, not the client, is responsible for paying any custody fees, brokerage and other transaction costs to the custodian. D. Additional Compensation IQvestment has no arrangements in place whereby supervised persons recommending the Programs are entitled to receive additional compensation as a result of clients’ participation in the Programs. IQvestment, however does have “solicitation” or “promotor” arrangements whereby certain third- parties are compensated for paid testimonials or endorsements. Please review all disclosures carefully to see if that circumstance applies. E. Reasonable Restrictions IQvestment is unable to reasonably remove individual securities from ETFs. IQvestment’s ETFs are index based ETFs that are specifically chosen to fit into risk tolerance based portfolios, as such any exclusion would not be reasonable as it would change the investment goals of that particular portfolio. Further, IQvestment may offer model portfolios that are created and monitored by its Advisor partners, so IQvestment has no control over those investment portfolios.