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Public IRA Match Program

Terms & Conditions

Public Investing’s IRA Match Program (the “IRA Match Program”) is subject to the terms and

conditions (this “Agreement”) set forth herein.

1. Definitions. When the following capitalized terms are used above or below in this

Agreement, the following definitions apply:

a. b. c. d. e. f. g. h. i. j. “Affiliated Entity” means any entity that, now or in the future, directly or indirectly

through one or more intermediaries, controls, is controlled by, or is under

common control with, such person or entity, and, with respect to Public Investing,

including but not limited to Public Holdings, Inc.

“Annual Contribution Limit” means the annual contribution limit for an individual

retirement account, as determined by the United States Internal Revenue Service

for each taxable year and as applicable to each Customer’s age and type of

Public IRA Account. More information is available on http://www.irs.gov.

“Apex” means Apex Clearing Corporation.

“Customer” means an individual who has a Public IRA Account in good standing.

“Eligible Contribution” means a new deposit of at least $1.00 initiated by a

Customer into their Public IRA Account through a recurring or one-time

contribution. The deposit of any Eligible Contribution must be initiated by the

Customer during the Offer Period for Contributions and must successfully

transfer and settle. Eligible Contributions do not include: (i) any contribution

made through a dividend, reward, or promotion; (ii) any contribution which

charges back or never settles; or (iii) any contribution made after the Customer’s

Annual Contribution Limit has already been met for the taxable year.

“Eligible Deposit” means any Eligible Contribution or Eligible Transfer.

“Eligible Deposit Date” means the date on which a Public Customer initiates an

Eligible Deposit into the Customer’s Public IRA Account.

“Eligible Transfer” means any transfer of cash or securities by a Customer into

their Public IRA Account from a qualified individual retirement account or

qualified employer-sponsored retirement accounts. The transfer of any Eligible

Transfer must be initiated by the Customer during the Offer Period for Transfers

and must successfully transfer and settle. For the avoidance of doubt, Eligible

Transfers do not include any transfers which are rejected, rescinded, or reversed.

“Holding Period” means the time period starting on the Settlement Date of the

Match Amount and ending five (5) years thereafter.

“IRA Agreement” means all Public Investing and Apex agreements that the

Customer agrees to in connection with opening their Public IRA Account,

including but not limited to the Public Investing Brokerage Agreement and, ask. l. m. n. o. p. 2. 4. 3. applicable, the Apex Individual Retirement Custodial Account Agreement or Apex

Roth Individual Retirement Custodial Account Agreement.

“Match Amount” means the amount funded by Public Investing and applied to a

Customer’s Public IRA Account subject to the terms and conditions set forth

herein.

“Offer Period for Contributions” is any time on or after March 24, 2025 until such

time as Public Investing shall end the Offer Period for Contributions in its sole

discretion without notice.

“Offer Period for Transfers” is any time on or after June 30, 2025 until such time

as Public Investing shall end the Offer Period for Transfers in its sole discretion

without notice.

“Public Investing” means Open to the Public Investing, Inc., a registered broker-

dealer and member of FINRA and SIPC.

“Public IRA Account” means a self-directed individual retirement account offered

by Public Investing and custodied by Apex.

“Settlement Date” is the date when the Eligible Deposit successfully transfer,

settles, and posts to a Customer’s Public IRA Account.

Eligibility. The IRA Match Program is only available to Customers who, as of the Eligible

Deposit Date, have: (a) a Public IRA Account in good standing; and (b) made one or

more Eligible Deposits to this Public IRA Account.

Offer. Subject to the terms and conditions set herein (including but not limited to the

Holding Period): (a) for each Eligible Contribution made by a Customer to their Public

IRA Account, Public Investing will fund a Match Amount of 1% of the value of such

contribution up to the Annual Contribution Limit in any given taxable year; and (b) for

each Eligible Transfer made by a Customer to their Public IRA Account, Public Investing

will fund a Match Amount of 1% of the value of such transfer (collectively, this “Offer”).

Match Amounts will be rounded to the nearest whole cent. The Match Amount is

calculated based on 1% of the total of the transferred cash plus transferred securities,

using the national market system closing price of each position transferred into the

account on the trading day before when the transfer settles.

Early Removal Fee. If a Customer has received a Match Amount for an Eligible Deposit,

then any removal of funds or securities from the Customer’s Public IRA Account during

the Match Amount’s Holding Period will result in a non-taxable fee (“Early Removal Fee”)

being applied to the Customer’s Public IRA Account as payment for services from Public

Investing. The Early Removal Fee shall be an amount equal to the corresponding Match

Amount that would be received for the amount removed.

This Early Removal Fee shall apply to any removal of funds or securities from the Public

IRA Account during the Match Amount’s Holding Period, including, but not limited to,

withdrawal, rollover, transfer, levy, excess contribution, account closure, distribution

outside of the Public IRA Account, and/or chargeback of an otherwise Eligible Deposit

(collectively, “Funds Removal”) initiated by the Customer or otherwise. For theavoidance of doubt, an Early Removal Fee shall not apply solely as the result of any

changes in market value of the Public IRA Account’s holdings if a Funds Removal has

not otherwise been initiated.

If the Customer has cash available in their Public IRA Account, then the Early Removal

Fee shall be deducted from this available cash balance. If the Customer has insufficient

cash available in their Public IRA Account to pay the Early Removal Fee, then the

Customer directs the removal, transfer, sale of positions, and potential liquidation from

their Public IRA Account to pay the Early Removal Fee or, as applicable, to cover

account deficits created by the Early Removal Fee.

5. Other Limitations

a. b. To be eligible to participate in the IRA Match Program, the Customer’s Public IRA

Account and all other accounts with Public Investing (collectively, “Public

Accounts”) must, at all times and in the sole discretion of Public Investing or its

Affiliated Entities, remain in good standing and cannot be locked, suspended,

restricted, or otherwise flagged in any way. In the event Public Investing and/or

its Affiliated Entities determine at any time and in their sole discretion that there

may have been unauthorized or fraudulent activity related to any Public Account,

or a violation of the IRA Agreement or this Match Agreement, or that a Public

Account is otherwise not in good standing, whether or not in connection with the

Match Amount, Public Investing reserves the right to decline to grant the Match

Amount or to rescind or liquidate the Match Amount, or any security or any

related dollar proceeds derived from the Match Amount, and via this Match

Agreement, the Customer directs the removal, transfer, and potential liquidation

from their Public IRA Account.

The Match Amount will be credited to the Customer’s Public IRA Account within

approximately seven (7) business days after the Settlement Date, though this

timeline may be delayed in Public Investing’s sole discretion if, by way of

example and not limitation, Public Investing determines that there are indications

of fraud, unauthorized activity, and/or a violation of the IRA Agreement or this

Agreement.

The IRA Match Program is not available for Customers who roll over, transfer, or

inherit Public IRA Accounts.

The IRA Match Program cannot be combined alongside any other promotions

related to Public IRA Accounts, including but not limited to Public Investing’s

“Cash Bonus to Transfer Account” promotion.

No Recommendation. The IRA Match Program is not a recommendation of any

investment or investment strategy, or a recommendation that any Customer roll over or

transfer assets into any Public IRA Account. By participating in the IRA Match Program,

each Customer represents that none of Public Investing, any of its Affiliated Entities, or

Apex, has recommended any rollover or transfer to any Public IRA Account. Public

Investing, through the IRA Match Program, does not intend to provide the benefit of

deferred compensation or to create an employee pension benefit plan under ERISA.

c. d. 6. 7. 8. Tax Treatment. Public Investing processes and treats all Match Amounts as interest

earned by the applicable Public IRA Account for tax reporting purposes. The interest

earned by the applicable Public IRA Account is not subject to, and does not impact, the

maximum annual dollar contribution limit or the maximum annual deductible amount of

any Public IRA Account. Match Amounts may be taxable income for conversions of a

non-deductible contribution to a Roth IRA Custodial Account. NONE OF PUBLIC

INVESTING, ANY OF ITS AFFILIATED ENTITIES, OR APEX TAX ADVICE, AND

NOTHING CONTAINED HEREIN PURPORTS TO BE A COMPLETE PRESENTATION

OF TAX REGULATIONS THAT MAY BE APPLICABLE TO MATCH AMOUNTS OR

ANY PUBLIC IRA ACCOUNT. PLEASE CONSULT A TAX ADVISOR FOR

INDIVIDUALIZED ADVICE.

Miscellaneous. Public Investing reserves the right to change the terms of this

Agreement and/or to terminate the IRA Match Program at any time with or without

notice. Headings in these terms and conditions are descriptive and for convenience

only, and do not alter the scope of the rights and obligations created by them. The Offer

is not transferable, saleable, or valid in conjunction with certain other offers, and is

available to U.S. residents only. This IRA Match Program is only available for personal

use, and may not be used for commercial purposes