Through the Referral Program, the Referring Client will invite Potential New Clients to sign-up for a Finhabits Subscription and account by sending them an invitation through the App (the “Invitation”), and the efforts of the Referring Client in soliciting clients to Finhabits will be limited to this activity. Such activity presents a conflict of interest since the Referring Client will receive a benefit if the Potential New Client does sign up. For each New Client with a Qualifying New Account that is Funded, the eligible Referring Client will receive a $25 credit in his Approved Account in the amounts and types of shares that correspond to the Referring Client’s existing investment portfolio and the eligible New Client will receive a $50 credit in the New Client’s Approved Account with the amounts and types of shares that correspond to the New Client’s investment portfolio (the “Bonuses”). The Bonuses would be paid out 95 days after the New Client Subscribes and makes the Initial Deposit. Neither the purchase of shares through the Referral Program nor the identification of the same in communications related to the Referral Program constitute a solicitation of the shares or a recommendation to buy, sell, or hold the security.

A Qualifying New Account is a new individual Finhabits account opened by a Potential New Client using the special designated link from the Invitation, which the New Client funds with an initial deposit of at least $50 and does not withdraw that Initial Deposit for the Minimum Time, as defined below. Finhabits is not responsible for incorrect entry or other failures on the part of the New Clients to meet standards of a Qualifying New Account.

Finhabits, from time to time, reserves the right to: i) terminate the Referral Program at any time; ii) limit the amount of the bonuses Referring Clients are eligible to receive; iii) change the amount of bonuses; iv) add or exclude Valid Offer States to the promotion; and v) refuse to provide or recover any promotion award if Finhabits determines that it was obtained under wrongful or fraudulent circumstances, including violations of state or federal law and regulations or that inaccurate or incomplete information was provided in opening the account, or that any other term or condition of the Finhabits Account Agreements or of the Referral Program has been violated.

Additional Restrictions and conditions of the Referral Program:

• The Referring Client shall not make referrals to more than 5 Potential New Clients, unless any of the Potential New Clients do not start a Qualifying New Account within 30 calendar days of the Referring Client initiating the referral via the Finhabits App. The 30 calendar days are counted independently for each of the Potential New Clients.  If more than 5 Potential New Clients are referred by one Referring Client and more than 5 complete a Qualifying New Account, the first 5 to complete a Qualifying New Account will be considered for the promotion and the 6th and any additional potential clients will be excluded from the Referral Program Promotion.
• The Referring Client shall not receive from Finhabits more than $1,000 in a 12 month period.
• The Referring Client shall not make referrals to more than 5 Potential New Clients that are residents of New York.
• Offer available only to Residents of California, Georgia, Iowa, Illinois, Missouri, New Jersey, New York, Oregon, Pennsylvania, Wisconsin, and Puerto Rico (the “Valid Offer States”). Referring clients shall only refer clients who are residents of the Valid Offer States. This promotion is not valid with any other offers and is non-transferable.

Finhabits Referral Program Disclosure

The purpose of this disclosure is to inform you that Finhabits Advisors, LLC (“Finhabits”), may compensate or provide other benefits to third parties or clients, including affiliate marketers and/or other strategic partners, who drive Potential New Clients to Finhabits (the “Referring Third Parties or Clients”). Accordingly, you may have been redirected to this landing page by such an incentivized Referring Client who would not have otherwise redirected you here. By clicking the link below and continuing with the account opening process, you are acknowledging receipt of this disclosure. The Referring Client is not an affiliate, agent, representative, partner or employee of Finhabits nor does the Referring Client have authority to accept a client agreement on behalf of Finhabits, to collect or receive payment in its own name for any of Finhabits’ services, or to provide investment advice on behalf of Finhabits. The Referring Client’s referral does not constitute a statement of the Referring Client’s experience with, or endorsement of, Finhabits.

The amount of fees that Finhabits will charge you for your Subscription and investment advisory services is the same as what it would customarily charge any new customer who was not referred by a Referring Client. As specified in the Terms and Conditions of the Referral Program, Finhabits may credit Referring Clients and New Clients Approved Accounts with the amounts and types of shares that correspond to the Referring Client’s and New Clients existing investment portfolio, after such account is funded with the Initial Deposit and does not withdraw the Initial Deposit for 365 days (the “Minimum Time”) , as specified in the Referral Program. The bonus from Finhabits is not available for withdrawal from your New Client Approved Account for 365 days after it was awarded. The value of the new account must remain equal to, or greater than, the value after the bonus deposit was made (minus any losses due to trading or market volatility) for 365 days, or at its sole discretion Finhabits may charge the account for the cost of the bonus offer. Finhabits is not responsible for incorrect entry or other failure on your part to meet standards for qualifying for the bonus. The value of this bonus may constitute taxable income. Please consult your tax advisor. The bonus offer is only valid for new Finhabits clients. This promotion is not valid with any other offers and is non-transferable. Finhabits reserves the right to: i) terminate the Referral Program at any time; ii) limit the amount of the bonuses Referring Clients are eligible to receive; iii) change the amount of bonuses; iv) add or exclude Valid Offer States to the promotion and v) refuse to provide or recover any promotion award if Finhabits determines that it was obtained under wrongful or fraudulent circumstances, including violations of state or federal law and regulations or that inaccurate or incomplete information was provided in opening the account, or that any other term or condition of the Finhabits Account Agreements or of the Referral Program has been violated. Finhabits is an SEC registered investment adviser. Registration with the SEC does not imply a certain level of skill or training. The Finhabits Brochure, Form CRS and Program Agreement can be found at finhabits.com/legal.