Investment Advisory Disclosure

Acorns

The Smart Wallet (“Solicitor”) serves as a solicitor for Acorns Advisers, LLC (“Acorns”). Solicitor will receive compensation for referring you to Acorns. Compensation to the Solicitor will include $12.00 for each time a user referred by Solicitor creates an investment account with Acorns. You will not be charged any fee or incur any additional costs for being referred to Acorns by the Solicitor. The Solicitor may promote and/or may advertise Acorns’ investment adviser services. Acorns and the Solicitor are not under common ownership or otherwise related entities.

Ellevest

The Smart Wallet (“Solicitor”) serves as a solicitor for Ellevest, Inc. (“Ellevest”). Solicitor will receive compensation for referring you to Ellevest. Compensation to the Solicitor will include $3.00 for each email registration or installation. Solicitor will also receive additional compensation based on the initial deposit amounts of users referred by the Solicitor.

For initial deposit amounts under $5,000, Solicitor will receive $75.00. For initial deposit amounts between $5,000 and $10,000, Solicitor will receive $100.00. For initial deposit amounts between $10,001 and $25,000, Solicitor will receive $125.00. For initial deposit amounts between $25,001 and $50,000, Solicitor will receive $150.00. For initial deposit amounts between $50,001 and $100,000, Solicitor will receive $250.00. For initial deposit amounts between $100,001 and $250,000, Solicitor will receive $500.00. For initial deposit amounts over $250,000, Solicitor will receive $1,000.00.

You will not be charged any fee or incur any additional costs for being referred to Ellevest by the Solicitor. The Solicitor may promote and/or may advertise Ellevest’s investment adviser services. Ellevest and the Solicitor are not under common ownership or otherwise related entities.

Betterment

The Smart Wallet (“Solicitor”) serves as a solicitor for Betterment LLC (“Betterment”). Solicitor will receive compensation for referring you to Betterment. Compensation to the Solicitor will include $40.00 for each initial deposit made by a user referred by the Solicitor. Solicitor will also receive additional compensation based on the initial deposit amounts of these users.

For initial deposit amounts between $1,000 and $5,000, Solicitor will receive $40.00. For initial deposit amounts between $5,000 and $25,000, Solicitor will receive $125.00. For initial deposit amounts between $25,000 and $100,000, Solicitor will receive $250.00. For initial deposit amounts between $100,000 and $200,000, Solicitor will receive $375.00. For initial deposit amounts between $200,000 and $500,000, Solicitor will receive $600.00. For initial deposit amounts of $500,000 or more, Solicitor will receive $750.00.

You will not be charged any fee or incur any additional costs for being referred to Betterment by the Solicitor. The Solicitor may promote and/or may advertise Betterment’s investment adviser services. Betterment and the Solicitor are not under common ownership or otherwise related entities.

Stash

The Smart Wallet (“Solicitor”) serves as a solicitor for Stash Investments LLC (“Stash”). Solicitor will receive compensation for referring you to Stash. Compensation to the Solicitor will include $10.00 for each time a user referred by Solicitor links a bank account with Stash. You will not be charged any fee or incur any additional costs for being referred to Stash by the Solicitor. The Solicitor may promote and/or may advertise Stash’s investment adviser services. Stash and the Solicitor are not under common ownership or otherwise related entities.

Fundrise

The Smart Wallet (“Solicitor”) serves as a solicitor for Fundrise, LLC (“Fundrise”). Solicitor will receive compensation for referring you to Fundrise. Compensation to the Solicitor will include $50.00 for each completion of the application process. You will not be charged any fee or incur any additional costs for being referred to Fundrise by the Solicitor. The Solicitor may promote and/or may advertise Fundrise’s investment adviser services. Fundrise and the Solicitor are not under common ownership or otherwise related entities.

Blooom

The Smart Wallet (“Solicitor”) serves as a solicitor for Blooom, Inc. (“Blooom”). Solicitor will receive compensation for referring you to Blooom. Compensation to the Solicitor will include $20.00 for each form submission. You will not be charged any fee or incur any additional costs for being referred to Blooom by the Solicitor. The Solicitor may promote and/or may advertise Blooom’s investment adviser services. Blooom and the Solicitor are not under common ownership or otherwise related entities.