Terms of Service

Agreement to Terms

Harvest App LLC ("Harvest," "we," "us," or "our") is a registered investment adviser. Harvest — Faith-Based Investing is a business name for Harvest App, LLC. By accessing or using our website, mobile application, educational (Learn) services, investment advisory services (Invest), and Harvest for Advisors (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree to these Terms, you may not access or use the Services.

Our Services are intended for U.S. persons. This Agreement applies to the Services provided by Harvest regardless of how you access them (for example, by Internet, mobile phone, tablet or other device).

Investment Advisory Services

Harvest is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Our investment advisory services are provided pursuant to a written Investment Advisory Agreement between you and Harvest. Registration with the SEC does not imply a certain level of skill or training.

Before investing, you should review and understand our Investment Advisory Agreement, Form ADV Part 2A (Brochure), Wrap Fee Program Brochure, and Form CRS, which describe our services, fees, and potential conflicts of interest. If these Terms conflict with the Investment Advisory Agreement with respect to management of your account, the Investment Advisory Agreement controls.

We agree to provide investment advice and portfolio management services for your Account. Our advisory services are delivered exclusively through the App, which is an algorithm-driven robo-advisory platform. Harvest does not provide legal, accounting or tax advice. You will consult with and rely on your own tax, accounting and legal advisors and not on Harvest for this kind of advice.

Harvest for Advisors

We offer other registered investment advisors the ability to subscribe to our services for their clients. The advisors have the ability to view their clients' portfolio performance; we provide the clients with the same model selection services and access to model portfolio managers that we provide to other clients. "Advisor" means any independent investment advisor authorized by you to view or act on your Account.

Brokerage Services

We do not maintain custody of your assets that we manage and upon which we advise, although we may be deemed to have custody of your assets if you give us authority to withdraw assets from your account. Your assets must be maintained in an account at a "qualified custodian", generally a broker-dealer or bank. We require that our clients use Alpaca Securities, LLC ("Alpaca"), a registered broker dealer, member FINRA/SIPC, or Altruist Financial LLC ("Altruist"), a registered broker dealer, member FINRA/SIPC, as their qualified custodian ("QC"). We will determine which QC the client will use. We are independently owned and operated and are not affiliated with the QC.

The QC will hold your assets in a brokerage account and buy and sell securities when we or you instruct them to do so. If a client does not wish to use our selected custodian as the client's QC, the client should not engage us to provide investment advisory services. You will open an account with the QC by entering into an account agreement directly with the QC. We do not open the account for you, although our system will assist you in doing so. Your relationship with the QC is governed by that separate customer agreement.

We will not serve as the Custodian. You will be responsible for all fees and charges imposed by the Custodian unless included in our wrap fee as described in our Wrap Fee Program Brochure as it may be updated from time to time.

Under government regulations, we are deemed to have custody of your assets if, for example, you authorize us to instruct the QC to deduct our advisory fees directly from your account. The QC maintains actual custody of your assets. You will receive account statements directly from the QC at least quarterly. The custodian's statements are the official statement of your accounts and holdings. Clients should carefully review those statements promptly upon receipt.

Eligibility

You must meet the following requirements to use our Services:

• Be at least 18 years of age
• Be a U.S. citizen or permanent resident
• Have a valid Social Security Number
• Have a U.S. residential address
• Provide accurate and complete information during registration

Opening an investment account is also subject to the QC's customer agreement and eligibility requirements. You may use certain educational (Learn) features of the Services without opening a brokerage account.

Account Registration and Security

To use our Services, you must create an account and provide accurate, current, and complete information. Account numbers, UserIDs, and PINs are confidential, and you are responsible for the confidentiality, protection, and use of them. You agree to be responsible for all information provided, instructions given or requests made via the App using your PIN. By sharing your PIN with anyone, you are authorizing that person to update your profile information, give instructions, request or remove restrictions, initiate electronic transfers of funds, and otherwise act on your behalf in the Account. We are authorized to rely on and act upon all information, instructions and requests that are received under your Account number and PIN, with no duty of inquiry.

You agree to immediately notify us of any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage arising from your failure to protect your account credentials.

Investment Risks

All investments involve risk. We do not guarantee, and are not responsible for, the performance or success of any investment, portfolio, allocation, or strategy that we may recommend or implement for you. You understand that investments are subject to market, currency, economic, political, and business risks. You are prepared to bear the risks of loss and/or illiquidity. Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Investments in securities are: Not FDIC Insured • Not Bank Guaranteed • May Lose Value.

Our faith-aligned portfolios apply screening criteria based on biblical principles, which may result in excluding certain companies or sectors. This values-based approach to investing may not be suitable for all investors. Screening criteria do not guarantee alignment with your personal values or beliefs. This screening may result in different returns compared to non-screened portfolios and may limit investment options.

You should carefully consider your investment objectives, risk tolerance, and financial situation before investing. Our Services are not suitable for all investors.

Fees

Harvest sponsors and manages a wrap fee program, which provides clients with advisory and brokerage services for one, inclusive, bundled fees. Our services are provided exclusively through the wrap program. The fees for our services are set forth in our Form ADV Part 2A ("Brochure") as updated from time to time, in our Wrap Fee Program Brochure, in our Investment Advisory Agreement, and on our website. You agree to pay all applicable fees for using our Services. We will provide you with at least thirty (30) days' advance written notice of any increase in our fees applicable to your Account.

In addition to our investment advisory wrap fees, the client will pay all direct expenses incurred for the client or disbursements made on behalf of the client, including custodian's charges for services (such as, for example, wire transfers, expedited withdrawals, IRA termination fees, tax form corrections, and account transfers) as described in the client's agreement with the custodian. You acknowledge that you will also incur fees and charges imposed by the issuers or sponsors of the Exchange Traded Funds (ETFs) and mutual funds held in your Account. All of these fees are imposed directly by these third parties and are in addition to our investment advisory fee. We do not receive any portion of the fees charged by these third parties.

Prohibited Conduct

You agree to use the Services for lawful purposes, for personal and noncommercial use, and only as permitted by these Terms. You agree not to:

• Provide false or misleading information
• Use the Services for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the Services
• Use automated systems to access the Services without our permission
• Engage in market manipulation or fraudulent trading activity
• Modify, copy, publish, transmit, decompile, reverse engineer, disassemble, or create derivative works from the Services
• Violate any applicable laws or regulations

Intellectual Property

Your use of the Services will not confer any title, ownership interest, or intellectual property to you. The Services are protected under U.S. copyright laws, international treaties or conventions and other laws, and will remain the exclusive property of Harvest or Third-Party Providers. Company names, logos, and all related product and service names, design marks, and slogans of Harvest, our affiliates or any Third-Party Provider are the property of the respective company. You are not authorized to use any of their or our names or marks in any advertising, for publicity or in any commercial manner.

Disclaimer of Warranties

We do not guarantee that the App, Website, any customer service representative or communications medium will be available to you at a particular time. Access to the App, Website or to Harvest service personnel may be limited or unavailable during periods of peak demand, market volatility, system upgrades, or for other reasons.

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HARVEST SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICES.

Federal and state securities laws impose liabilities under certain circumstances even on persons who act in good faith. Therefore, nothing contained in these Terms shall in any way constitute a waiver or limitation of rights a client may have under federal and state securities laws.

Dispute Resolution

THIS IS A PRE-DISPUTE ARBITRATION CLAUSE. Any controversy or claim between the parties, including our present or former owners, members, agents, and employees, arising out of or relating to these Terms or the Services shall be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction. By entering into this arbitration agreement, the parties are giving up the right to sue each other in court, including the right to a trial by jury. Arbitration awards are generally final and binding; a party's ability to have a court reverse or modify an arbitration award is very limited. The ability of the parties to obtain documents, witness statements, and other discovery is generally more limited in arbitration than in court proceedings. The arbitrators generally do not have to explain the reason(s) for their award. You waive any right to participate in a class action.

The sole and exclusive venue (location) for the resolution of any dispute that cannot be arbitrated shall be in the United States District Court for the Northern District of Virginia, or, only if there is no federal subject matter jurisdiction, in any state court of Virginia sitting in Lynchburg, Virginia. You and Harvest each submit to the exclusive jurisdiction of those courts for any non-arbitrable proceeding arising out of or relating to these Terms or their alleged breach. Each of the parties irrevocably waives any right to trial by jury in any legal proceeding arising out of or relating to these Terms or the transactions or services contemplated in these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Virginia, without giving effect to its conflicts of laws principles. Nothing in these Terms will be construed in any manner inconsistent with the Advisers Act, any rule or order of the Securities and Exchange Commission under the Advisers Act, and, if applicable to the Account, ERISA and any rule or order of the U.S. Department of Labor under ERISA.

These Terms shall be enforced to the greatest extent permissible by law. Any term or provision of these Terms which is invalid or unenforceable should be deemed severed, and all remaining terms and provisions shall remain valid and enforceable.

Changes to Terms

We may revise these Terms at any time by posting an updated version on our website. The updated version will be indicated by an updated "Last Updated" date. When we make material changes, we will ask existing users to review and accept the updated Terms before continuing to use the Services. For other changes, your continued use of the Services after any changes constitutes your acceptance of the revised Terms.