1. Asset Fees represent an investment advisory fee paid to HIA of 0.01% and a separate fee for recordkeeping services and custody-related expenses paid to HII of 0.05%. These fees are deducted monthly from the employee’s account. See the HII Terms of Service and HIA Terms of Service for more information. Similar services may be available at a lower cost from other providers.

2. As of 12/31/23. Asset-weighted monthly average of mutual fund annual operating expenses ("expense ratio") for all plan participants invested in Human Interest Advisors' Model Portfolios ("Models"). Provided for illustrative purposes only. Actual, average fund expenses a participant experiences vary based on the specific Model selected, allocation changes to Models, whether participants opt out of Models and choose their own investments and allocations, or allocation drift, especially in volatile markets. Model allocations and underlying mutual fund expenses are subject to change. Before investing, carefully review the fund’s prospectus, which includes, among other things, a description of fees and expenses a fund will charge.

3. The average investment expense of plan assets for 401(k) plans with 25 participants and $250,000 in total assets is 0.133% of assets per month, according to the 23rd Edition of the 401k Averages Book, and is inclusive of investment management fees, fund expense ratios, 12b-1 fees, sub-transfer agent fees, contract charges, wrap and advisor fees, or any other asset-based charges.