VESTED FINANCE INC.

Advisory agreement for clients referred by Kuvera (Arevuk Advisory Services Pvt. Ltd.)

This Advisory Agreement (“Agreement”) is made by and between Vested Finance Inc (“Vested”, “we” or
“our”), a registered investment adviser, and the client as indicated in the Vested application (“Client” or “you”),
and relates to all accounts managed on a non-discretionary basis for the Client (collectively, the “Vested
Account”). This Agreement shall become effective on the day and year signed, and signing shall occur by
electronic signature evidenced from clicking or checking the “AGREE AND ACCEPT” button or typing in the
Client’s name in the electronic signature field appearing after you have scrolled through this Agreement.

1. Scope of Engagement
The Client hereby appoints Vested as its non-discretionary investment adviser to perform the services
hereinafter described (the “Services”), including, without limitation, the authority to implement investment
decisions of the Client for and with respect to the Vested Account, but only upon the Client’s specific request
or with the Client’s prior consent. We accept such appointment under the terms and conditions hereinafter
stated. The Client further agrees that Vested may deliver to DriveWealth, LLC (“DriveWealth”) (or any other
securities brokerage firm executing transactions on behalf of the Vested Account) a copy of this document as
evidence of the authority of Vested to act for and on behalf of the Vested Account.

Vested shall be responsible for the review of the Client’s present financial situation and shall provide the Client
with advice through the Application with respect thereof, including advice concerning the investment and
reinvestment of those assets that the Client designates to be subject to this Agreement in accordance with the
Client’s investment needs, goals and objectives. The Client is solely responsible for evaluating the merits and
risks associated with any investments and any advice provided through the Application before making any
investment or other decision based upon the same.

The Client acknowledges and agrees that Vested will not provide investment advice other than the investment
advice described in this Agreement. The Client agrees that Vested will provide investment advice and deliver
advisory services solely through its applications on one or more mobile devices and/or its website (collectively,
including any updates thereto and any replacement or supplement therefore, the “Application”). The Client
acknowledges that Vested will not provide investment advice in person, over the phone, or through any other
medium, other than information available on the Application. Information concerning the Application is
available on Vested’s website, www.vested.co.in (the “Website”). The Client acknowledges that it will not be
entitled or able to transact in or hold securities in their Vested Account other than exchange traded funds
(“ETF”) or equity securities selected by Vested.
2. Limited Trading Activity
Generally, the Client will direct and be responsible for the direction of investments through the Application
by: (i) carefully reviewing the information about investing and the “investments” available on the Application;
(ii) carefully considering the recommendation that Vested generates for you through the Application; (iii)
choosing your selected investments; and (iv) deciding whether to exclude an ETF from your selections.
Moreover, it is the Client’s responsibility to conduct and monitor the inflows and outflows to and from the
Vested Account by using the Application to initiate fund deposits and withdrawals from the Client’s Vested
Account (“Deposits” and “Withdrawals”, respectively). However, Vested shall have discretion over assets in
your Vested Account to the limited extent that Vested shall have the authority in connection with its provision
of advisory services:

● to determine and modify from time to time which ETFs and equity securities are offered through
the Application; and

● to elect on your behalf your participation in a DriveWealth cash management (“sweep”) program.

All transactions will be consummated by a payment to, or delivery by, DriveWealth of all cash and/or securities
due to or from the Vested Account. We may not instruct DriveWealth to deliver funds or securities to Vested,
except for payment of advisory fees; by signing this Agreement, you authorize us to direct DriveWealth to
deduct advisory fees from the Vested Account and agree that DriveWealth may use this Agreement as evidence
of our authorization. We shall not be responsible for any loss incurred by reason of any act or omission by
DriveWealth, provided, however, that we will make reasonable efforts to require that it will perform its
obligations with respect to the Vested Account. All transactions concerning the Vested Account shall be
binding upon the Client at the Client’s sole risk.

Orders to purchase or sell securities in the Vested Account (“Orders”) shall be placed by the Client via the
Application. There are no other means for the Client to place such an Order. All Orders placed by the Client and
other users of the Application are queued up and executed during Vested trading windows, which only operate
in normal market hours (i.e. Monday to Friday, excluding market holiday.

3. Custodian
We will not act as the custodian for the Vested Account, though our right to deduct advisory fees from the
Vested Account deems us to have “custody” of your funds. Assets for program accounts are held at custodians
who have clearing and custodial relationships with DriveWealth. At this time, DriveWealth has entered into
an Omnibus clearing agreement with Velox Clearing, LLC. and Citibank, N.A. In the future, DriveWealth may
enter into additional clearing relationships to expand its capabilities and product offering as well as to reduce
operational and financial risk. The Client will complete the necessary application materials to open an account
with the Custodian. The Custodian is hereby authorized and directed to effect transactions for the Vested
Account. The Client in no way surrenders ownership of the cash and securities within any account held by the
Custodian. The Custodian shall meet the requirements of a “qualified custodian” under Rule 206(4)-2 of the
Investment Advisers Act of 1940, as amended (the “Advisers Act”).

4. Execution of Brokerage Transactions

DriveWealth will act as the broker/dealer with respect to all orders executed on behalf of the Vested Account.
Vested anticipates that DriveWealth will provide best execution for the Client. However, in the event Vested
determines that DriveWealth does not at any time provide best execution in its capacity as a broker/dealer,
Vested reserves the right to select a different broker/dealer which will provide best execution with respect to
such transaction. “Best execution” includes the amount of broker/dealer fees which will be charged to the
Vested Account in connection with any trade, but it may also include other benefits. As such, Vested may
retain DriveWealth as the broker/dealer with respect to the Vested Account even if its broker/dealer fees are
not the lowest fees which could be charged for such transaction.

5. Client Rights and Obligations

The Client retains sole ownership of the Vested Account (i.e. the right to withdraw cash, exercise or delegate
proxy voting and receive transaction confirmations). The Client may make deposits and withdrawals at any
time, subject to any maintenance requirements of DriveWealth or the Custodian.

6. Termination

This Agreement will continue in effect until terminated by either party with a written notice to the other via
email, provided, however, that the Client’s access to the Application may be terminated immediately and without
notice for any breach of this Agreement by the Client. In the event the Agreement is terminated, any fees that
are due, but have not been paid, will be deducted from the applicable account of Client or, if insufficient funds
are available therein, billed to the Client and due immediately.

Unless otherwise provided by applicable law (including, without limitation, any non-waivable right or remedy
you have under applicable federal or state securities laws), you understand and agree that the cancellation or
termination of this Agreement is your sole right and remedy with respect to any dispute with us, including,
without limitation, any dispute related to, or arising out of: (i) any terms of this Agreement or enforcement or
application of this Agreement; (ii) any practice or policy of Vested, including our Terms & Conditions and
Privacy Policy, or our enforcement or application of these policies; (iii) the content available through our
Application or any change in content provided through the Application; (iv) your ability to access and/or use our
Application or any Services; or (v) the amount or types of our fees or charges, surcharges, applicable taxes, or
billing methods, or any change to our fees or charges, applicable taxes, or billing methods. Upon cancellation or
termination of this Agreement, we may immediately deactivate your user account (which includes the Vested
Account) and all related information and/or files in your user account and/or bar any further access to such
information and/or files, our Application (or part thereof) and/or our Services, except as we may otherwise
provide from time to time. In the event the limitation on remedies described above is not enforceable in whole
or in part for any reason, in no event will the total aggregate liability of Vested for any claims, losses, or damages
arising under or relating to this Agreement, Vested’s Terms of Use, or any other agreements entered into with
Vested (collectively, “Account Contracts”), the Services or the Application, whether in contract or tort, including
negligence, exceed the total prior twelve months’ fees paid by the Client to Vested under this Agreement, even
if either party has been advised of the possibility of such claim, loss, or damage; provided, however, that such
limitation shall not apply to the Client if a greater recovery is required pursuant to non-waivable provisions of
applicable securities laws. The foregoing limitation of liability and exclusion of certain damages shall apply
regardless of the success or effectiveness of other remedies.

Additionally, without limiting the foregoing, Vested and its officers, directors, employees and agents
(collectively, “Vested Parties”) shall not be liable for any loss or liability in respect of the Vested Account,
including, without limitation, any loss related to or arising out of (i) your use of the Application or otherwise
relating to the Services, (ii) your inability to use or access, or timely use or access, the Services, the Application
or Vested’s technical support, including as relates to mobile and internet accessibility problems, delays or
disruptions (whether related to or originating with (A) Vested, its internet or other service providers, or its servers
or networks, (B) the Client, his or her internet, mobile phone or other service providers, or the Client’s servers
or networks, or (C) otherwise), (iii) any trading errors, whether the responsibility of Vested, DriveWealth, the
Custodian, the securities markets generally, or otherwise, (iv) bugs, viruses, malicious software or other errors
or deficiencies in the Application, or your failure or inability to update the Application after having been
provided notice of the availability of such an update, (v) Vested’s and the Application’s reliance upon market,
historical or other data or information in the Application received from any third-party source, (vi) any delays
in responding to your requests for Deposits, Withdrawals or any actions with respect to securities which you
wish to purchase or and sell as relate to your Vested Account, (vii) errors or inconsistencies in data or information
provided by Vested or any other person, and (viii) the provision or use of delayed market and other data and
information provided by Vested and the Application (you having acknowledged that the Application will use
delayed data in providing the Services and information related thereto), unless such loss or liability arises out of
the applicable Vested Party’s bad faith or willful misconduct; provided, however, that any stated limitations on
responsibility or liability shall not relieve Vested from any responsibility or liability that Vested may have under
state or federal securities laws. Further, you agree that Vested shall not be liable to you or any third-party for
any termination or cancellation of your access to, or use of, our Application and/or our Services, except for a
refund of any fees or charges prepaid by you with respect to our Services.
We will attempt to process all cancellation requests within 72 hours after we receive your request, and you
acknowledge and agree that charges and fees incurred prior to the effective time of cancellation will not be
reversed. If you use our Services between the time of your request for cancellation and the effective time of
cancellation, you will not be entitled to a refund. For purposes of clarity, we reserve the right to collect fees,
surcharges, or costs incurred before your cancellation takes effect.

Termination of this Agreement will not affect (i) the validity of any action previously taken by Vested under this
Agreement; (ii) liabilities or obligations of the parties from transactions initiated before termination of this
Agreement; or (iii) the Client’s obligation to pay advisory fees (pro-rated through the effective date of
termination). Upon the termination of this Agreement, Vested will have no obligation to recommend or take any
action with regard to the securities, cash or other investments in the Vested Account.

The death or incapacity of the Client shall not terminate the authority of Vested granted herein until Vested
receives written termination notice thereof from the Client’s executor, guardian, attorney-in-fact or other
authorized legal representative.

7. Indemnification

You agree to indemnify, hold harmless and, at our option, defend us and our affiliates, and our and their officers,
directors, employees, stockholders, agents and representatives (collectively, “Indemnified Persons”) from any
and all third party claims, liability, damages and/or costs (including, but not limited to, reasonable attorney’s
fees and expenses) arising from your improper use of this Application or our Services or offerings, your violation
of this Agreement or any of the other Account Contracts, or your infringement, or the infringement or use by
any other user of your account, of any intellectual property or other right of any person or entity.

8. Legal Capacity

If this Agreement is established by the undersigned Client, or the Client’s authorized representative in a fiduciary
capacity, the Client hereby certifies that he/she is legally empowered to enter into or perform this Agreement in
such a capacity. The Client represents that he or she is 18 years of age or older and no person shall use or attempt
to use the Services unless he or she is of such age.

9. Representation

It is understood by the Client that Vested is licensed/registered with all of the appropriate regulatory
jurisdictions that Vested believes it has a duty to be licensed/registered. It is understood and acknowledged by
the Client that Vested is not engaged in the practice of law or accounting, and as such, will not render any legal
or accounting advice hereunder, nor prepare any legal or accounting documents for the implementation of any
of the Client’s financial or investment plans.
10. Fees

When you sign up to become a client , you may opt into either the Basic or the Premium tier of our service
and invest in any shares selected by Vested Finance based on a number of different investment strategies or
you may invest in a curated basket of stocks or ETFs (hereinafter referred to as "Vests") under Program.

Feature Basic Premium

Pricing (charged in INR when you INR 399 account opening fee No account opening fee.
submit your account application and INR 750 per quarter or
is not refundable) INR 2500 annually

Buy/sell individual stocks/ETFs included included

within the curated list of 1000
stocks/ETFs (which we may elect to
increase or decrease from time to
time)

Participation in Vest (note that $3 upfront per purchase + 0.5% per No upfront fee + 0.5%
participation in Vest is optional) year, deducted monthly, of funds per year, deducted
invested in Vests (ongoing Vest fees) monthly, of funds
invested in Vests
(ongoing Vest fees)

Withdrawal fee $11 per withdrawal 1 free withdrawal

annually, $11 per
withdrawal thereafter

Vested reserves the right to waive or update the fees outlined above from time to time without prior notice.
During the account opening process, you have the option to choose from one of the above plan. Once selected,
you can change your subscription plan at any time, however fees for subscription and account opening are not
refundable. Under either the Basic or Premium plan, you will also have the option to purchase Vests, curated
baskets of stocks and ETFs. Investing in a Vest will result in your paying an additional fee. Such additional
fees will be posted on the Vested platform and may be changed from time to time. Participation in Vest is
completely optional and does not affect the pricing of either the Basic or Premium Plan. The services offered
under both Plans are outlined under the ‘Pricing’ section on Vested’s website and may be updated from time
to time without prior notice. In the future, Vested may introduce paid features that will not be accessible through
the Basic Plan, and you may choose to opt into and fees for such services are not negotiable. Vested may in the
future, without prior notice, convert a service under the Basic Plan to a chargeable services, but you will only
be charged for such converted services to the extent you opt into using the chargeable service after the
conversion. Furthermore, Vested may earn fees from its business partners. Vested reserves the right to waive
the fees or any part thereof for any period for any client at its sole discretion.

To this end, and not in limitation of the foregoing, Vested may, from time to time, elect to launch programs or
initiatives whereby certain fees may be waived, in whole or in part, for certain categories of client. Any such
program or initiative (i) is entirely discretionary to Vested, and may be expanded, narrowed, suspended,
cancelled or modified at any time by Vested, and (ii) will be subject to any rules, guidelines and/or terms and
conditions created by Vested in connection therewith (which rules, guidelines and/or terms may be included in
website landing pages, on Vested’s Website generally and/or elsewhere). To the extent any such program or
initiative is cancelled or terminated, clients will once again be charged the then-current fees on a going-forward
basis. The Client agrees and acknowledges that Vested shall have sole discretion in determining whether or not
any existing client or potential client meets the requirements to participate in and/or benefit from any such
program or initiative, and Vested shall not be liable to you or any other party in connection with any such
decision and/or in connection with the administration of any such program or initiative generally. Further,
Vested also reserves the right create partnerships solutions with third parties where the fees are negotiated
separately and maybe higher or lower than what is outlined here.

Each time you use our Services you reaffirm your agreement that we may charge your accounts, as
applicable. Ongoing Vest Fees are prorated for each contribution and withdrawal made during the applicable
calendar month (with the exception of small inconsequential contributions and withdrawals). In the event we
cannot charge your applicable accounts, we reserve the right to terminate your access to our Services.

The Client is responsible for all charges and fees associated with connecting to our Application and our
Services, including without limitation all internet service provider fees, data charges, sales taxes and any other
fees and charges necessary to access our Services via your mobile device. In addition to Vested’s fees, the
Client shall also incur, relative to all Exchange Traded Funds (“Funds”) purchases, charges imposed at the
Fund level (i.e. advisory fees and other Fund expenses), transaction and administrative fees. Further, the Client
is responsible for all fees that are associated with Deposits and Withdrawals. The Client also acknowledges
that there is foreign currency exposure associated with Deposits and Withdrawals.

11. New Account Rewards Program

From time to time, Vested may engage in a New Account Rewards Program, whereby upon approval of your
account, Vested rewards you up to USD $5. If this New Account Rewards Program is in effect, this amount
will be deposited directly in your Vested account. You can use this cash to experiment with the platform.
However, ownership of this cash, any investments that you purchase with this cash and profits or loss from
said investments will only be rightfully yours once you fund the account. Vested reserves the right to terminate
the new Account Rewards Program at any time, without prior notice, and to withdraw the funds or sell-down
any investments if the account has not been funded 6 months after the reward is deposited.

12. Non-Exclusive Management

It is understood that Vested performs investment advisory services for other clients. The Client agrees that
Vested may give advice and take action with respect to any of its other clients, which may differ from the
advice given or the timing or nature of action taken with respect to the Client’s Vested Account. Vested, its
officers, employees, and agents, may have or take the same or similar positions in specific investments for their
own accounts, or for the accounts of other clients, as Vested recommends for the Client’s Vested Account.

13. Confidential Relationship

All information and advice furnished by either party to the other, including their respective agents and
employees, shall be treated as confidential and shall not be disclosed to third parties, except as required by law
(including pursuant to any regulatory disclosure requirement or as requested by any federal or state securities
authority) or necessary to carry out designated powers or as granted by the Client.

14. Notices and Communication

Communications will be sent to the Client at the address provided by the Client at the time the Client opens the
Vested Account, or to another address as may be provided to Vested in writing in the future. All
communications sent to the Client at the stipulated address, whether by mail, facsimile, messenger,
electronically, or otherwise, will be treated as if they were given to the Client personally, whether or not the
Client receives them.

15. Proxies and Class Action Lawsuits

Vested will not vote proxies on behalf of the Client’s Vested Account. Additionally, Vested will not be
required to take any action or render any advice with respect to voting of proxies solicited by or with respect
to the issuers of securities in which assets of the Vested Account may be invested from time to time. Further,
Vested will not take any action or render any advice with respect to any securities held in the Vested
Account, which are named in or subject to class action lawsuits. Vested will, however, forward to the Client
any information received by Vested regarding class action legal matters involving any security held in the
Vested Account.

16. Risk Acknowledgement

Vested does not guarantee the future performance of any recommendations or any specific level of
performance, the success of any investment decision or strategy that Vested may recommend, or the success
of Client’s overall management of the Vested Account. The Client understands that investments are subject
to various market, currency, economic, political, geopolitical, acts of terrorism, and business risks, and that
those investment decisions will not always be profitable. THE CLIENT’S INVESTMENTS WILL
INCREASE OR DECREASE IN VALUE, INCLUDING POTENTIALLY A COMPLETE LOSS OF
THE CLIENT’S INVESTMENT, DEPENDING ON MARKET CONDITIONS.

All recommendations will in part be based on information from sources believed to be reliable, but are not
guaranteed by Vested as to their accuracy or completeness. Vested may allow access to data, information or
services disseminated by securities exchanges or other outside data sources. The Client acknowledges that
Vested and any third-party data providers disclaim responsibility for the use, content, accuracy, timeliness,
completeness or availability of such third party data, information or services and make no warranty
concerning the same. The Client uses such third-party data, information or services at its own risk.
Additionally, Vested’s recommendations are largely based upon the Client’s investor profile, and any errors
in such profile may cause Vested to make recommendations which are not suitable for the Client. Vested, in
the maintenance of its records and otherwise, does not assume responsibility for the accuracy of the
information furnished by the Client or any other person.

17. Entire Agreement and Amendments

All agreements, covenants, representations and warranties express and implied, of the parties hereto
concerning the subject matter hereof are contained herein, in the other Account Contracts. Except as
provided in the immediately preceding sentence, no other agreements, covenants, representations or
warranties, express or implied, are made a part hereof. All prior and contemporaneous conversations,
negotiations, possible and alleged agreements, representations, covenants and warranties concerning the
subject matter hereof are merged herein. Vested has the right to amend this Agreement, which shall be
effective upon written notice to the Client and the Client’s continued use of the Application after receipt of
such notice. Any such amendment will be effective as of the date specified by Vested. However, regardless
of anything else in this Agreement, any deletion or substitution by Vested of any of the services in
connection with the Vested Account and any material modification of any such services will be the subject of
a minimum of 30 days prior written notice to the Client.
18. Governing Law

Except to the extent that it is preempted by federal law, the internal law of the State of California (without
regard for conflicts of law principles) will govern the construction, validity, and administration of this

Agreement. However, nothing in this Agreement will be construed contrary to the Advisers Act.

19. Standard of Care

Subject to the terms and conditions of this Agreement and the other Account Contracts and without limiting
any rights you may have under the Advisers Act and other applicable United States federal or state securities
law, Vested shall exercise the level of care in providing the Services that is customary and reasonable in the
industry for investment advisers providing investment advice solely through internet-accessed computer
applications.

20. Waiver

Failure of either party at any time to declare breach and termination of Agreement due to any violation or
violations by the other party of the provisions hereof shall not be deemed a waiver on the part of such party.
Any subsequent violations by the other party following a demand for strict compliance shall not be deemed a
waiver, expressed or implied, and notice of breach thereafter, need not be served on the other party.

21. Assignment of Agreement

No “assignment”, as that term is defined in the Advisers Act, of this Agreement shall be made by Vested
without the prior written consent of the Client. The Client acknowledges and agrees that transactions that do
not result in a change of actual control or management of Vested shall not be considered an assignment pursuant
to Rule 202(a)(1)-1 under the Advisers Act.

22. Arbitration Agreement

THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION. BY ENTERING INTO THIS

AGREEMENT THE PARTIES AGREE AS FOLLOWS:

● ALL PARTIES TO THIS AGREEMENT ARE GIVING UP THE RIGHT TO SUE EACH
OTHER IN COURT, INCLUDING THE RIGHT TO A TRIAL BY JURY EXCEPT AS
PROVIDED BY THE RULES OF THE ARBITRATION FORUM IN WHICH A CLAIM IS
FILED;

● 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 DO NOT HAVE TO EXPLAIN THE REASON(S) FOR THEIR AWARD
 EXCEPT IN VERY LIMITED CIRCUMSTANCES;

● THE PANEL OF ARBITRATORS WILL TYPICALLY INCLUDE A

MINORITY OF ARBITRATORS WHO WERE OR ARE AFFILIATED WITH THE
SECURITIES INDUSTRY;

● THE RULES OF SOME ARBITRATION FORUMS MAY IMPOSE TIME LIMITS FOR
BRINGING A CLAIM IN ARBITRATION; AND

● THE RULES OF THE ARBITRATION FORUM IN WHICH THE CLAIM IS FILED, AND
ANY AMENDMENTS THERETO, SHALL BE INCORPORATED INTO THIS AGREEMENT.

THIS ARBITRATION PROVISION SHOULD BE READ IN CONJUNCTION WITH THE

DISCLOSURES IN THIS AGREEMENT. ANY AND ALL CONTROVERSIES, DISPUTES OR
CLAIMS BETWEEN VESTED AND THE CLIENT OR THEIR REPRESENTATIVES,
EMPLOYEES, DIRECTORS, OFFICERS, OR CONTROL PERSONS, ARISING OUT OF, IN
CONNECTION WITH, FROM, OR WITH RESPECT TO (a) ANY PROVISIONS OF OR THE
VALIDITY OF THIS AGREEMENT OR ANY OTHER ACCOUNT CONTRACTS, (b) THE
RELATIONSHIP OF THE PARTIES HERETO, OR (c) ANY CONTROVERSY ARISING OUT
OF VESTED’S BUSINESS OR THE CLIENT'S VESTED ACCOUNT (COLLECTIVELY,
“CLAIMS”), SHALL BE CONDUCTED SOLELY BY ARBITRATION PURSUANT TO THE
RULES THEN IN EFFECT OF THE AMERICAN ARBITRATION ASSOCIATION.
ARBITRATION MUST BE COMMENCED BY SERVICE OF A WRITTEN DEMAND FOR
ARBITRATION OR A WRITTEN NOTICE OF INTENTION TO ARBITRATE UPON THE
OTHER PARTY. THE DECISION AND AWARD OF THE ARBITRATOR(S) SHALL BE
CONCLUSIVE AND BINDING UPON ALL PARTIES, AND ANY JUDGMENT UPON ANY
AWARD RENDERED MAY BE ENTERED IN A COURT HAVING JURISDICTION
THEREOF, AND NEITHER PARTY SHALL OPPOSE SUCH ENTRY. ANY SUCH
ARBITRATION SHALL BE HELD IN THE CITY AND STATE WHERE VESTED’S
PRINCIPAL OFFICE IS LOCATED AT THE TIME SUCH ARBITRATION IS COMMENCED.
THE PARTIES AGREE THAT THERE SHALL BE NO RIGHT OR AUTHORITY FOR ANY
CLAIMS TO BE ARBITRATED ON A CLASS ACTION BASIS, AND THE CLIENT
EXPRESSLY WAIVES ANY RIGHT TO BRING A CLASS ACTION LAWSUIT OR
ARBITRATION AGAINST VESTED OR ITS REPRESENTATIVES, EMPLOYEES,
DIRECTORS, OFFICERS, OR CONTROL PERSONS WITH RESPECT TO ANY CLAIMS.

Notwithstanding the foregoing or anything to the contrary in this Agreement, in no way shall this Agreement
constitute a waiver or limitation of rights that the Client may have under federal or state securities laws to
pursue a remedy by other means if and to the extent such laws guaranty such right to the Client and do not
permit the waiver thereof.
23. Additional Acknowledgements and Agreements

● The Client hereby acknowledges receipt of Part 2A of Vested’s Form ADV.

● The Client agrees to notify us promptly by emailing us at help@vestedfinance.co of any change in the
Client’s circumstances that might affect the Client’s Vested Account.
● The Client agrees to notify us promptly via email if his or her email address changes.
● The Client hereby grants express permission for electronic delivery of all documents relating to his or her
Vested Account. This includes, without limitation, Vested’s Privacy Policy and Part 2 of its Form ADV.

THE CLIENT ACKNOWLEDGES THAT HE OR SHE HAS CAREFULLY READ,

UNDERSTANDS AND ACCEPTS THE TERMS AND CONDITIONS OF THIS AGREEMENT
BEFORE CLICKING ON THE “AGREE AND ACCEPT” BUTTON OR ENTERING AN
ELECTRONIC SIGNATURE. IF THE CLIENT HAS ANY QUESTIONS ABOUT ANY OF THE
PROVISIONS IN THIS AGREEMENT THE CLIENT WILL ADDRESS THEM WITH VESTED
AND CONSULT WITH THE CLIENT’S OWN LEGAL OR OTHER COUNSEL BEFORE
AGREEING TO IT. THE CLIENT UNDERSTANDS THAT CLICKING OR CHECKING
“AGREE AND ACCEPT” OR TYPING THE CLIENT’S NAME IN THE ELECTRONIC
SIGNATURE FIELD IS THE LEGAL EQUIVALENT OF MANUALLY SIGNING THIS
AGREEMENT AND THE CLIENT WILL BE LEGALLY BOUND BY ITS TERMS AND
CONDITIONS. THIS AGREEMENT SHALL BE BINDING ONCE ALL PARTIES INVOLVED
HAVE ELECTRONICALLY SIGNED AND DATED THIS AGREEMENT. THE CLIENT
ACKNOWLEDGES THAT THE ACCOUNT CONTRACTS MAY BE AMENDED FROM TIME
TO TIME AND AMENDED ACCOUNT CONTRACTS WILL BE POSTED ON THE WEBSITE.
THE CLIENT AGREES TO CHECK THE WEBSITE FOR NEW VERSIONS OF THE
ACCOUNT CONTRACTS. THE CLIENT AGREES THAT, BY MAINTAINING A VESTED
ACCOUNT OR USING THE SERVICES WITHOUT OBJECTING IN WRITING AFTER
VESTED POSTS A NEW VERSION OF ANY ACCOUNT CONTRACT ON THE SITE, THE
CLIENT WILL AGREE TO AND ACCEPT ALL TERMS AND CONDITIONS OF ANY
AMENDED ACCOUNT CONTRACT, INCLUDING ANY NEW OR CHANGED TERMS OR
CONDITION.