1. INTRODUCTION

This Client Agreement ("Agreement") is entered into by and between LightHouse Investment Advisors, LLC ("LightHouse," "we," "us," or "our"), a registered investment adviser under applicable federal and/or state laws, and you ("Client," "you," or "your"). This Agreement governs your access to and use of LightHouse's investment advisory services, including our digital platform, website, and mobile applications (collectively, the "Service").

PLEASE READ THIS AGREEMENT CAREFULLY. BY ACCESSING OR USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS AGREEMENT AND ALL TERMS INCORPORATED BY REFERENCE.

2. SERVICES PROVIDED

2.1 Advisory Services

LightHouse provides discretionary investment advisory services primarily through its digital platform. Our Services include:

a) Portfolio management and investment recommendations based on your financial situation, goals, and risk tolerance; b) Automated portfolio rebalancing; c) Account reporting and performance tracking.

2.2 Custodial Arrangements

Client assets will be held with Interactive Brokers LLC ("Interactive Brokers" or "Custodian"), the designated broker and custodian for LightHouse. You acknowledge that you will establish an account with Interactive Brokers and will receive separate account documentation directly from Interactive Brokers. You hereby authorize and direct LightHouse to issue instructions to Interactive Brokers on your behalf.

2.3 Service Limitations

The Service is designed for clients seeking market-neutral returns through active portfolio management. LightHouse employs sophisticated trading strategies aimed at generating consistent returns regardless of broader market direction. However, LightHouse does not guarantee any specific level of performance, the success of any investment decision or strategy, or that any investment objective will be achieved.

3. CLIENT ACCOUNTS

3.1 Account Eligibility

To be eligible for an account, you must: a) Be at least 18 years of age; b) Be a U.S. resident with a valid Social Security Number or Tax Identification Number; c) Have a U.S. residential mailing address; and d) Meet the minimum initial investment requirement of $30,000.

3.2 Account Information

You agree to provide accurate, complete, and current information about yourself during the registration process and to update such information promptly if it changes. You acknowledge that LightHouse will rely on the information you provide to offer personalized investment advice.

3.3 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify LightHouse immediately of any unauthorized use of your account or any other breach of security.

4. ADVISORY FEES AND EXPENSES

4.1 Advisory Fee

You agree to pay LightHouse an advisory fee ("Advisory Fee") for the Services provided under this Agreement. The Advisory Fee varies based on the investment strategy selected:

4.1.1 Strategy-Based Fee Structure

Advisory fees range from 1% to 5% annually, depending on the specific investment strategy selected. The exact fee percentage for your chosen strategy will be specified in Schedule A attached to this Agreement and signed by you. Higher risk strategies and those offering potential for higher returns typically carry higher fee percentages.

Common strategy fee ranges include:

• Market Index Strategies: 1.0% - 1.5% annually

• Sector-Focused Strategies: 1.5% - 2.5% annually

• Alternative Investment Strategies: 2.0% - 3.0% annually

• Quantitative Trading Strategies: 2.5% - 4.0% annually

• High-Frequency Trading Strategies: 3.0% - 5.0% annually

4.1.2 Fee Discounts

• Accounts with balances of $100,000 or more qualify for a 0.10% reduction in the annual fee percentage.

• Accounts with balances of $500,000 or more qualify for a 0.20% reduction in the annual fee percentage.

• Clients with multiple accounts may qualify for household pricing. Total household assets are aggregated for fee calculation purposes.

The Advisory Fee is calculated and charged monthly in advance based on the average daily balance of assets in your account during the preceding month. The minimum initial investment amount is $30,000.

LightHouse reserves the right to offer promotional fee discounts, fee waivers, or alternative fee arrangements to certain clients at its discretion. Any such arrangements will be documented in writing as an addendum to this Agreement.

4.2 Fee Deduction Authorization

You authorize LightHouse to instruct Interactive Brokers to deduct the Advisory Fee directly from your account. The Advisory Fee will be debited from your account within the first five (5) business days of each month based on the previous month's average daily balance. Interactive Brokers will send you account statements at least monthly showing all disbursements, including the Advisory Fee. In the event of insufficient cash in your account to cover the Advisory Fee, you authorize LightHouse to sell securities in your account as necessary to generate sufficient cash.

The initial Advisory Fee will be prorated for the period beginning on the date the account is actively managed through the end of the applicable calendar month. For accounts with a higher-risk strategy and corresponding higher fee percentage, a portion of the fee may be allocated toward advanced risk management systems and additional portfolio monitoring services.

4.3 Additional Expenses

In addition to the Advisory Fee, you may incur certain charges imposed by Interactive Brokers or other third parties, including but not limited to: a) Custodial fees charged by Interactive Brokers; b) Brokerage commissions; c) Transaction fees; d) Exchange fees; e) SEC fees; f) Wire transfer and electronic fund processing fees; and g) Fees and expenses related to mutual funds, ETFs, and other investments.

You acknowledge that you have reviewed Interactive Brokers' fee schedule, which is separate from this Agreement. LightHouse does not receive any portion of these fees and strives to minimize such expenses where possible.

5. INVESTMENT METHODOLOGY AND RISKS

5.1 Investment Philosophy

LightHouse employs a long-term investment approach focused on broad diversification and strategic asset allocation based on modern portfolio theory. We primarily construct portfolios using low-cost exchange-traded funds (ETFs) and index funds that represent various asset classes.

5.2 Investment Risk Disclosure

All investments involve risk, and the Service cannot guarantee any specific return or protection against loss. You acknowledge that:

a) Past performance is not indicative of future results; b) Investments are subject to market risk, including the possible loss of principal; c) Asset classes and securities may fluctuate in value and may lose value; d) Diversification does not ensure profit or guarantee against loss; and e) The Service's recommendations are subject to various market, economic, and business risks.

You acknowledge that you have received and reviewed LightHouse's Form ADV Part 2A ("Brochure") which contains additional information about investment risks.

6. FIDUCIARY STATUS AND CONFLICTS OF INTEREST

6.1 Fiduciary Status

LightHouse acts as a fiduciary to its clients, which means we have a fundamental obligation to act in your best interest and provide investment advice in your best interest. As fiduciaries, we owe you a duty of loyalty, fairness, and good faith, and make full disclosure of all material facts concerning any potential conflicts of interest.

6.2 Conflicts of Interest

While LightHouse strives to avoid conflicts of interest, certain potential conflicts may exist, including: a) Recommendations of investments that may generate fees for affiliated entities; b) Arrangements with Interactive Brokers that may indirectly benefit LightHouse, such as research, technology, or other services provided to LightHouse; and c) Other conflicts disclosed in our Form ADV Part 2A.

LightHouse mitigates these conflicts through disclosure, supervision, and policies designed to ensure that client interests take precedence over the interests of LightHouse.

7. CLIENT RIGHTS, RESPONSIBILITIES, AND REDEMPTION RULES

7.1 Client's Rights and Redemption Rules

As a Client, you have the right to: a) Terminate this Agreement within five (5) business days of signing without penalty; b) Receive disclosure of all material facts regarding the advisory relationship; c) Receive a copy of LightHouse's Form ADV Part 2A and Privacy Policy; d) Receive account statements at least quarterly from Interactive Brokers; and e) Terminate the advisory relationship at any time in accordance with Section 13.

7.1.1 Redemption and Withdrawal Rules

You may request withdrawals from your account at any time subject to the following terms:

a) Standard Withdrawals: Requests for withdrawals received by 12:00 PM Eastern Time on any business day will be processed by LightHouse within 1 business day, plus additional processing time required by Interactive Brokers. Funds will be sent to your designated bank account on file.

b) Minimum Balance Maintenance: While we do not require you to top up your balance if it falls below the minimum investment amount of $30,000 due to market performance or strategy activities, this minimum applies when making a withdrawal.

If your strategy balance is below $30,000 at the time of withdrawal:

• You may withdraw the full amount and exit the strategy entirely.

• You may not make a partial withdrawal.

In such cases, you must either fully exit the strategy or maintain your existing investment until your balance exceeds the minimum requirement.

Regulatory Notice: While we do not require a top-up solely due to strategy performance, SEC regulations mandate a minimum account balance of $25,000. If your balance falls below this threshold, we may still require you to deposit additional funds to comply with regulatory requirements, if you wish to continue investing in the strategy.

c) Withdrawal Fees:

• One free withdrawal per strategy per quarter with no fee

• Additional withdrawals in the same quarter will incur the 0.15% fee based on the withdrawal amount

d) Redemption Restrictions: LightHouse may temporarily suspend or limit withdrawals during periods of market stress, unexpected trading halts, or system outages. Any such restrictions will be communicated to you as soon as practicable.

e) Tax Considerations: You acknowledge that withdrawals may trigger taxable events in non-retirement accounts. LightHouse does not provide tax advice and recommends consulting with a tax professional before making significant withdrawals.

7.2 Client's Responsibilities

As a Client, you agree to: a) Provide accurate and complete information about your financial situation, goals, and risk tolerance; b) Promptly notify LightHouse of any changes to your financial situation, goals, or risk tolerance; c) Review all statements, confirmations, and other communications sent by LightHouse or the Custodian; and d) Consult with tax, legal, or other professional advisors regarding the tax and legal implications of your investment decisions.

8. COMMUNICATIONS AND NOTICES

8.1 Electronic Delivery

You consent to the electronic delivery of all communications, documents, and notices related to the Service, including but not limited to account statements, trade confirmations, tax documents, privacy notices, amendments to this Agreement, and regulatory disclosures.

8.2 Contact Information

LightHouse will use the email address on file for your account to send communications. You are responsible for maintaining a current and functioning email address and for regularly checking your email for communications from LightHouse.

8.3 Recording Communications

You consent to the recording of any telephone conversations or electronic communications between you and LightHouse for quality assurance, training, or compliance purposes.

9. PRIVACY

9.1 Privacy Policy

LightHouse's Privacy Policy, which is provided separately, describes how we collect, use, and share your personal information. By entering into this Agreement, you acknowledge receipt of LightHouse's Privacy Policy.

9.2 Data Security

LightHouse implements reasonable security measures designed to protect your personal information from unauthorized access or disclosure. However, no method of transmission over the Internet or electronic storage is completely secure, and LightHouse cannot guarantee absolute security.

9.3 Information Sharing with Interactive Brokers

You acknowledge and agree that LightHouse will share your personal information with Interactive Brokers as necessary to establish and maintain your account and provide the Services. Interactive Brokers' use of your information is governed by their privacy policy.

10. INTELLECTUAL PROPERTY

10.1 Ownership

The Service, including all content, features, and functionality, is owned by LightHouse or its licensors and is protected by copyright, trademark, and other intellectual property laws. You agree not to copy, modify, distribute, sell, or lease any part of the Service without express written permission from LightHouse.

10.2 Limited License

LightHouse grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Service for your personal, non-commercial purposes in accordance with this Agreement.

11. LIMITATION OF LIABILITY

11.1 Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

11.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LIGHTHOUSE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.

11.3 Maximum Liability

IN NO EVENT SHALL LIGHTHOUSE'S AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THIS AGREEMENT EXCEED THE GREATER OF (A) THE AMOUNT OF ADVISORY FEES PAID BY YOU TO LIGHTHOUSE DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR (B) $1,000.

12. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless LightHouse and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including attorney's fees) arising from or relating to your use of the Service, your violation of this Agreement, or your violation of any rights of a third party.

13. TERMINATION, ACCOUNT CLOSURE, AND FINAL FEE CALCULATION

13.1 Termination by Client

You may terminate this Agreement at any time by providing written notice to LightHouse. Termination will be effective upon receipt of your notice or as specified in your notice, whichever is later.

13.2 Termination by LightHouse

LightHouse may terminate this Agreement at any time by providing you with thirty (30) days' written notice. LightHouse may also terminate this Agreement immediately if: a) You breach any material provision of this Agreement; b) Your account falls below the minimum balance requirement for more than 30 consecutive days; c) LightHouse determines, in its sole discretion, that it can no longer provide the Services to you effectively; or d) LightHouse ceases to offer the Services generally.

13.3 Effect of Termination

Upon termination: a) LightHouse will cease providing the Services; b) You will remain responsible for all fees and expenses incurred prior to termination; c) LightHouse will calculate a final Advisory Fee prorated to the date of termination; d) LightHouse will no longer have any authority over your account; and e) You will be responsible for instructing Interactive Brokers regarding the disposition of your assets.

13.4 Account Liquidation and Transfer Procedures

Upon termination, you may choose to: a) Transfer securities in-kind: Request that your securities be transferred "as is" to another brokerage account without liquidation. b) Liquidate and transfer cash: Request that LightHouse liquidate your securities and transfer the resulting cash to your designated bank account. c) Partial transfer: Request a combination of the above options.

All withdrawals upon account termination are subject to the 0.15% withdrawal fee unless it qualifies as your one free quarterly withdrawal. LightHouse does not charge any additional account closure or transfer fees. However, you may be subject to fees imposed by Interactive Brokers for account transfers or closures according to their fee schedule.

13.5 Final Fee Calculation and Payment

The final Advisory Fee will be calculated based on the number of days in the current month that services were provided prior to termination. Since fees are charged in advance, LightHouse will refund any unearned portion of the monthly fee on a pro-rata basis for the period from the termination date to the end of the month. This refund will be processed before any transfer or distribution of assets is completed.

13.6 Account Closure Fees

LightHouse does not charge any account closure, termination, or transfer fees. However, Interactive Brokers may impose their own fees for account transfers, wire transfers, or other services related to account closure according to their current fee schedule. You acknowledge that you have reviewed Interactive Brokers' fee schedule and understand any costs that may be associated with closing or transferring your account.

14. MISCELLANEOUS

14.1 Entire Agreement

This Agreement, together with any schedules and exhibits, constitutes the entire agreement between you and LightHouse regarding the subject matter hereof and supersedes all prior or contemporaneous understandings and agreements.

14.2 Amendments

LightHouse may amend this Agreement at any time by providing you with written notice. Your continued use of the Service after the effective date of any amendment constitutes your acceptance of the amendment.

14.3 Assignment

You may not assign this Agreement without the prior written consent of LightHouse. LightHouse may assign this Agreement to an affiliate or in connection with a merger, acquisition, or sale of all or substantially all of its assets.

14.4 Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of [State], without regard to its conflict of law provisions.

14.5 Dispute Resolution

Any dispute arising out of or relating to this Agreement shall be resolved through binding arbitration conducted in [City, State] in accordance with the rules of the American Arbitration Association.

14.6 Severability

If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

14.7 No Waiver

The failure of LightHouse to enforce any right or provision of this Agreement shall not be deemed a waiver of such right or provision.

14.8 Survival

Sections 4, 5.2, 9, 10, 11, 12, and 14 shall survive the termination of this Agreement.

14.9 Contact Information

For questions or concerns regarding this Agreement or the Service, please contact LightHouse at: