April 2026 update:

Please send invitations only to people you personally know and who will be happy to receive them. If the Potential New Client’s bank reverses that client’s Initial Deposit at any time during the Minimum Time (as defined below), that client will not qualify for the Referral Program and the Referring Client will not receive a credit.

Through the Referral Program, the Referring Client will invite Potential New Clients to register for a Subscription and a Finhabits account by sending them an invitation through the Application (the “Invitation”), and the Referring Client’s efforts to solicit clients for Finhabits will be limited to this activity. This activity presents a conflict of interest since the Referring Client will receive a benefit if the Potential New Client registers. For each New Client with a New Qualified Account that is funded, the eligible Referring Client will receive a $25 credit in their Approved Account in the amounts and types of securities corresponding 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 in the amounts and types of securities corresponding to the New Client’s investment portfolio (the “Bonuses”). Bonuses will be paid 95 days after the new client subscribes and makes the initial deposit. Neither the purchase of securities through the Referral Program nor their identification in communications related to the Referral Program constitutes a solicitation of securities or a recommendation to buy, sell, or hold any security.

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

Finhabits reserves the right, from time to time, to: (i) cancel the Referral Program at any time; (ii) limit the amount of bonuses Referring Clients may receive; (iii) change the bonus amounts; (iv) add or exclude states from the Valid Offer States; and (v) refuse to provide or reclaim any promotional reward if Finhabits determines it was obtained under unlawful or fraudulent circumstances, including violations of state or federal laws or regulations, or if inaccurate or incomplete information was provided when opening the account, or if any other term or condition of the Finhabits Account Agreements or Referral Program has been violated.

Additional Restrictions and Conditions of the Referral Program

The Referring Client may not refer more than 5 Potential New Clients to Finhabits, unless any of the Potential New Clients, for any reason, do not begin a New Eligible Account within 30 calendar days from the day the Referring Client initiates the Invitation through the registration process. The 30 calendar days referenced in this paragraph are counted independently for each Potential New Client. However, if the Referring Client refers more than 5 Potential New Clients and more than 5 open a New Eligible Account, only the first 5 to open such accounts will be considered for the promotion; therefore, the sixth and any additional Potential New Clients will be excluded from the Referral Program promotion.

The Referring Client may not receive more than $1,000 from Finhabits within a 12-month period.

The Referring Client may not refer more than 5 Potential New Clients who are residents of New York.

This offer is only available to residents of California, Georgia, Iowa, Illinois, Missouri, New Jersey, New York, Oregon, Pennsylvania, Wisconsin, and Puerto Rico (the “Participating States”). The Referring Client should only refer Potential New Clients who reside in one of the Participating States. This promotion cannot be combined with 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 affiliated marketers and/or other strategic partners, who drive potential new clients to Finhabits (the “Referring Third Parties or Clients”). Accordingly, an incentivized Referring Client may have directed you to this landing page when they otherwise might not have. By clicking the link below and continuing with the account opening process, you acknowledge this disclosure.

The Referring Client is not an affiliate, agent, representative, partner, or employee of Finhabits and has no authority to accept a client agreement on behalf of Finhabits, to collect or receive payments in their own name for any Finhabits services, or to provide investment advice on behalf of Finhabits. The Referring Client’s recommendation does not constitute a statement about their experience or an endorsement of Finhabits.

The fees Finhabits will charge you for your Subscription and investment advisory services are the same as those charged to any new client who was not referred. As specified in the Referral Program Terms and Conditions, Finhabits may credit Referring Clients and New Clients’ Approved Accounts with securities corresponding to their investment portfolios after the account is funded with the Initial Deposit and the Initial Deposit is not withdrawn for 365 days (the “Minimum Time”). The bonus is not available for withdrawal from the New Client’s Approved Account for 365 days after it is granted. The account value must remain equal to or greater than the value after the bonus deposit (minus any losses due to trading or market volatility) for 365 days, or Finhabits may, at its sole discretion, charge the account for the cost of the bonus. Finhabits is not responsible for incorrect entries or failure to meet eligibility standards. The value of this bonus may be considered taxable income; please consult your tax advisor.

The bonus offer is only valid for new Finhabits clients. This promotion is not valid with other offers and is non-transferable. Finhabits reserves the right to modify or cancel the program under the conditions described above. Finhabits is a registered investment advisor with the SEC; registration does not imply a certain level of skill or training. The Finhabits Brochure, Form CRS, and Program Agreement are available at finhabits.com/legal.

Additional Bonus Rules

APRIL–JUNE ’26 REFERRAL PROGRAM BONUS – Promotion Period: April 1 to June 30, 2026; Referral Bonus: $500 for 5 new referrals, subject to the conditions described above.

This offer is available only to residents of California, Georgia, Iowa, Illinois, Missouri, New Jersey, New York (no more than five new clients per referring client), Oregon, Pennsylvania, Wisconsin, and Puerto Rico (the “Valid Offer States”). Referring Clients may only refer subscribers residing in these states. This promotion is not valid with other offers and is non-transferable.

In addition to meeting the general Referral Program Terms and Conditions, you may qualify to earn $500 (the “$500 Bonus”) if you refer 5 friends (the “5 Potential New Subscribers”). To earn the $500 Bonus, each of the 5 Potential New Subscribers must register starting April 1, 2026, open a New Qualified Account, make an initial deposit of at least $50 before June 30, 2026, and not withdraw that deposit for 365 days.

The $500 Bonus is fulfilled by receiving an additional $375 bonus on top of the $125 total earned from the five $25 referral bonuses. The additional $375 will be paid 95 days after your fifth referral subscribes and makes the Initial Deposit. If any of the New Subscribers closes their account before the Minimum Time, the Referring Client will not qualify for the additional $375. The $500 Bonus is a limited-time offer.

Only Referring Clients with an Approved Account at the time of inviting the 5 Potential New Subscribers are eligible to participate. If you do not have an Approved Account, you will not be eligible to receive the $500 Bonus. If all requirements are met, eligible Referring Clients will receive a $500 credit in their Approved Account in securities corresponding to their investment portfolio.

© 2026 Finhabits Inc. 413 w 14th St, Suite 200, New York, NY 10014. All rights reserved.

Bonus Offer Terms and Conditions (Expired): This offer is only available from June 1 until 11:59 pm ET of September 30th, 2025, and it is only redeemable by clicking on the button provided in the invitation. Finhabits will deposit a $50 credit into a New Qualifying Account within 95 days of an initial deposit of $50 or higher. A Qualifying New Account is a new individual Finhabits brokerage account successfully opened by a new client using the special designated link from the invitation. The bonus from Finhabits is not available for withdrawal for 365 days after it was awarded to your account. 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 Finhabits may charge the account for the cost of the bonus offer at its sole discretion. 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. This bonus offer is only valid for new Finhabits clients. This promotion is not valid with any other offers and is non-transferable. Offer available to U.S. Residents only. Finhabits reserves the right to terminate this offer at any time and to refuse or recover any promotion award if Finhabits determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any terms of Finhabits’ Advisory Agreement have been violated.

© 2025 Finhabits Inc. 413 w 14th St, Suite 200, New York, NY 10014. All rights reserved.