A. Types of Advisory Services Quantitative Finance offers non-discretionary investment advisory services to individuals (referred to as "Clients") over the Internet through an interactive website and or mobile platform (the "Platform"). We act as an "Internet-Only" investment adviser and provide investment advice by offering a subscription- based wrap fee program solely through the Platform. The wrap fee program has a bundled fee structure that covers our investment advisory, brokerages, clearing, and custodial services, which includes the costs for the Client to execute all transactions within the Client's account. The Platform's proprietary method employs algorithmic-based investment advice rather than in-person investment advice. Clients will upload their brokerage account and investment advisory statements, held at third-party broker-dealers and investment advisers, to the Platform, wherein the online interface will make recommendations based on the information uploaded to the Platform by the client and select strategies and portfolios based on their displayed statistics including (but not limited to) aggression level, historical performance, target assets, and activity frequency. These statistics consider, among other things, horizon, position sizing, and diversity across sectors. In addition, these statistics consider strategy targets and regression models. These automated investment solutions are customized to each client and based on individual characteristics, such as the client's age, risk tolerance, income, and current assets. However, it is essential to note that our recommendations are provided solely upon the information provided by you, and the suitability is limited by and relies on the accuracy and completeness of the information you provide. Our investment advice is limited to certain types of investments, and we provide recommendations on publicly traded equities and exchange-traded funds (ETFs) based on the analysis of the information supplied by the client on the Platform. We will never accept or maintain custody of a client's funds or securities. All client assets will be managed within their designated account[s] at the custodian under the terms of the Platform agreement. If you decide to open an account with us, you must enter into an advisory agreement with us, a service agreement with our affiliate, Surmount AI Incorporated. Where you wish to open an investment account directly with us, you must open a securities brokerage account and enter into an account agreement with Interactive Brokers LLC ("Interactive Brokers"). This SEC-registered broker-dealer provides execution, clearing, custody, and other brokerage-related services to our Clients. B. Fees and Compensation Fees for Advisory Services The monthly or annual subscription wrap fee is $20 per month in advance or $180 per year annually. Fees are negotiable, and some individuals may receive access to

the Platform for free. Payment of Fees The wrap fee is payable monthly or annually in advance and is billed for the period services are performed. The monthly billing period is each calendar month. The annual billing period starts on the initial billing date for the following twelve (12) calendar months. In the event of the termination or cancellation of the client's advisory services, we will not refund any prepaid portion of the wrap fee for the monthly billing period during which the client's accounts are closed, and the Platform services are canceled. In such cases, we will continue to provide the client with advisory services, and the client will retain access to the Platform through the end of the monthly billing period. For Clients that elect to prepay the wrap fee in advance annually, we will refund the prepaid portions of the wrap fee for the remaining months in the client's annual billing period, except the monthly billing period during which the client's services are terminated or canceled. Other Fees and Expenses Interactive Brokers may charge other fees for providing additional services to Clients. Clients will pay those other fees directly to Interactive Brokers. Other fees may include fees for transferring a brokerage account from Interactive Brokers to another brokerage firm, charges for miscellaneous requests such as requesting a physical copy of a trade confirmation or requesting tax documents, as well as charges for withdrawal or other administrative requests, such as outgoing ACH transfers and wire transfers. To learn more about the different fees that could be charged to Clients, please see the fee disclosures Interactive Brokers provides upon opening a brokerage account with them. In addition, all fees paid to us for investment advisory services are separate and distinct from the expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in each fund's prospectus. These fees and expenses will generally be used to pay management fees, other fund expenses, account administration (e.g., custody, brokerage, and account reporting), and a possible distribution fee. Advance Payment of Fees and Termination We are compensated for its services in advance of the completion of the month in which investment advisory services are rendered. Either party may terminate the Platform agreement at any time by providing advance written notice to the other party. The client's account may be suspended, closed, or otherwise terminated if there has been a default under the terms of the agreement with us. This includes failing to pay advisory fees when they become due. Compensation for Sale of Securities Neither we nor our Supervised Persons (as defined below) accept any compensation for the sale of investment products, including asset-based sales charges or service fees from the sale of mutual funds.