I understand that this Agreement ("Agreement") between Retire Smarter (Retire Smarter refers to Retire Smarter, Inc., Financial Health Advisors and Smart Women as the context may require) and me states the terms and conditions and privacy of my use of Retire Smarters' online services ("Retirement RoadMap^®"). Retirement RoadMap^® generally allows me to access my private client account at Retire Smarter.

The goal of our social media presence is to deliver timely insight and perspective from our senior advisors, and to participate in the conversation around topics important to most investors — We welcome lively discussion within the confines of social media regulations governing our industry, below are some important guidelines and disclosures that govern our participation in social channels, and how we interact with you.

COMMENT GUIDELINES

Retire Smarter does not endorse any comments other than those we post ourselves. Because of the nature of product-specific speech, and regulations governing recommendations or financial advice, we must remove any comment with specific mention of securities or mutual funds.

Many investors may not know that giving out financial advice is a regulated activity. General discussions on the market are always appropriate, but a specific mention of investment testimonials or strategies isn't permitted.

If your comment includes personal information beyond your name or any information regarding your portfolio, we, unfortunately, cannot allow it on our social media platforms. These platforms are public spaces, and common sense should prevail. For specific questions about your account or other customer-service-related inquiries, write to us at • PO Box 53194 – Atlanta, GA 30355.

Our goal is to host a conversation that is relevant and valuable to our audience. To keep this simple and transparent, we ask that you keep your comments within the purposes of the posts made on our individual social platforms. Any comment that is clearly off-topic, makes unsupported claims or promotes unrelated content or spam will be removed. It should go without saying, but please refrain from inappropriate or abusive language or personal attacks. While we welcome constructive criticism and encourage debate, we may also block, at our sole discretion, any commenter who continues to post material contrary to the guidelines set forth above.

Posts from Retire Smarter represent the opinions of Retire Smarter and are not intended as investment advice or to predict the performance of any investment. These views are as of the date they are posted and are always subject to change based on changing news, markets, and events.

UNAFFILIATED ENTITIES

LinkedIn, Facebook, Instagram, Twitter, Vimeo and YouTube, and any other syndication sites are owned by third parties unaffiliated with Retire Smarter, Inc. and Retire Smarter, Inc. is not responsible for the terms of use or privacy or security policies of these platforms, or other third-party sites that may be linked to on Retire Smarter's social media pages. It is important that users recognize their participation and usage on these third-party sites are at their own risk.

Our Social Media Policy changes from time to time. We recommend that you review these notices periodically for any changes. This notice was last updated in January 2023. If you have any questions, write to us at • PO Box 101 – Gibsonburg, OH 43431.