Last Updated February 8, 2023

These House Rules (“House Rules”) set forth trading rules and limitations of the FIN2 securities trading platform. It is your responsibility to review these House Rules prior to trading. You have chosen to use FIN2 as your trading platform and acknowledge that FIN2 has sole discretion over the rules and operation of this trading platform. We may modify these House Rules at any time with or without notice to you. Any changes to the House Rules are effective immediately. All capitalized terms not defined have the same meaning as in the FIN2 Customer Account Agreement.

FEES

FIN2 does not currently charge any fees for its services. There may be fees assessed by other parties for any trades, including those described below.

Government fees, TAF and SEC, apply to each sell trade. Currently, those fees are:

• SEC Fee is $.00229 per $100 of principal and is rounded up to the nearest penny.
• TAF Fee is $0.000130 per share, rounded up to the nearest penny, and will not exceed $6.49.

A $75 fee is charged for all completed outbound stock transfers. This charge comes in the form of a debit to the receiving broker. The receiving broker will determine how to process the debit.

PURCHASING

The minimum investment amount is $1.

We may display default purchase amount options based on your previous purchase history. These displayed options are done for your convenience and to improve your experience, not as a recommendation or investment advice.

SELLING

Minimum sale amount of $1.

If you choose to sell an amount of stock that is within $1 (in dollar value terms) or 2% (in share amount terms) of your overall holdings of that stock, you must sell all of your holdings or choose a lower amount to sell.

When you choose to sell a certain dollar amount of stock, we will structure the market order so that the net proceeds you receive from the sale equals the dollar amount you chose to sell. This means that if there are any fees or costs associated with the sale, we will sell additional stock as necessary to cover such fees and costs, resulting in your receipt of the total dollar amount you chose to sell.

We may display default sell amount options based on the size of your then-current holdings or your previous sell history. These displayed options are done for your convenience and to improve your experience, not as a recommendation or investment advice.

Settlement of Funds

Settlement of funds for transactions typically takes two (2) business days or more. Prior to settlement of funds for a transaction you may be limited from accessing funds (in the case of a sale transaction) or selling any purchased securities (in the case of a buy transaction) until the transaction has fully cleared and the respective funds have settled. FIN2 may arrange for funds to be provided to you for immediate use in advance of fund settlement. Any such funds provided in advance are not proceeds from the sales of securities. FIN2 may suspend or cease providing such advance funds at any time in its sole discretion and without notice.

Pattern Day Trading

You may not engage in “Pattern Day Trading”, which means you cannot initiate four or more day trades within five business days. A “day trade” is when you buy and sell, or sell and buy, the same security on the same day. Engaging in pattern day trading may result in suspension, deactivation, or closure of your Investing Account. We may institute trade restrictions to prevent pattern day trading at any time without notice to you. As a result, you may be restricted from purchasing or selling securities on a particular day or time that you intend.

Voting Fractional Shares

You may be able to vote on corporate matters on a fractional basis according to your holdings of fractional shares. However, some securities may have a minimum fractional share amount requirement for exercise of voting rights. Your fractional shares may not be eligible to vote if you do not meet the minimum fractional share amount threshold or fractional voting is not supported for such security.

Negative Account Balance; Liquidation

If your account balance becomes negative and you do not resolve the balance, we may liquidate securities held in your account to resolve the balance.

Corporate Actions and Reorganizations

In the event of a corporate reorganization you may be required to liquidate or transfer any holdings of the reorganized company.