Disclosures

1. Brokerage Services

Brokerage services for US-listed, registered securities are offered through summitbull Investing, Inc.,a registered UK broker-dealer and member of FCA/FSCS. High-Yield Cash Account is offered through partner banks.

1.1 SIPC Protection

Securities in your account are protected by the Securities Investor Protection Corporation (SIPC) up to $500,000 (including $250,000 for claims for cash). FSCS protection does not protect against losses from market fluctuations. visit.

2. High-Yield Cash Account

The High-Yield Cash Account is offered through partner banks, Members FDIC. Funds in the High-Yield Cash Account are eligible for FDIC insurance up to $5 million through the program banks.

2.1 Annual Percentage Yield (APY)

*The 4.1% APY is accurate as of October 18, 2025, and is subject to change at any time without prior notice. The actual APY you earn may differ based on the timing of deposits and interest rate changes. Interest is compounded daily and credited monthly.

2.2 FDIC Insurance

FDIC insurance is provided through our program banks. Coverage is up to $250,000 per depositor, per insured bank, for the same ownership category. By using multiple program banks, coverage can extend up to $5 million. FDIC insurance does not protect against investment losses.

3. Bond Account

*The 6.4% yield is based on a diversified portfolio of investment-grade and high-yield bonds as of October 18, 2025. The actual yield you receive may vary based on the specific bonds purchased for your account and market conditions at the time of purchase.

3.1 Bond Risks

Investing in bonds involves risks, including:

• Credit Risk: The risk that bond issuers may default on payments
• Interest Rate Risk: Bond prices typically fall when interest rates rise
• Liquidity Risk: Some bonds may be difficult to sell before maturity
• Call Risk: Bonds may be redeemed early by the issuer

Bonds are not FDIC insured and may lose value. Past performance does not guarantee future results.

4. Options Trading

Options involve risk and are not suitable for all investors. You should read and understand the Characteristics and Risks of Standardized Options before trading options.

4.1 Options Rebates

Options trading rebates are based on monthly trading volume and are subject to change. Rebates are calculated at month-end and credited to your account within 5 business days. summitbull reserves the right to modify or discontinue the rebate program at any time.

4.2 Options Fees

While you receive rebates, standard options contract fees still apply. Current fee schedule:

• Options contracts: $0.65 per contract
• Options exercise/assignment: $0.65 per contract
• Regulatory fees apply per transaction

5. Commission-Free Trading

summitbull offers commission-free trading on US-listed stocks and ETFs. However, other fees may apply:

5.1 Payment for Order Flow

summitbull does not accept payment for order flow (PFOF) on equity trades. We may receive PFOF on options orders. Our order routing prioritizes best execution for our customers.

6. Cryptocurrency Trading

Cryptocurrency trading is provided through summitbull Crypto, LLC. Cryptocurrencies are not securities and are not FDIC or SIPC insured. Cryptocurrency trading involves substantial risk of loss.

6.1 Crypto Risks

• High volatility and potential for significant losses
• Limited regulation and investor protections
• Potential for theft or loss due to security breaches
• Irreversible transactions
• Limited liquidity for some cryptocurrencies

7. Investment Risks

All investments involve risk, including:

• Loss of principal
• Market volatility
• Economic and political factors
• Company-specific risks
• Sector concentration risks

Past performance does not guarantee future results. You should carefully consider your investment objectives, risk tolerance, and financial situation before investing.

8. AI-Generated Content

AI-generated analysis and insights are provided for informational purposes only and should not be considered investment advice. AI-generated content may contain errors or inaccuracies. Always conduct your own research and consult with a financial advisor before making investment decisions.

9. Tax Information

Summitbull requires all users to settle any applicable tax obligations on their accounts prior to initiating withdrawals.

9.1 Tax Rate

The applicable tax rate is determined based on the user’s total earnings at the time of withdrawal: • $0 – $500,000: Tax-exempt • $500,000 – $1,000,000: 20% • $1,000,000 – $5,000,000: 25% • $5,000,000 and above: 30%

10. Account Tiers

Account tier benefits are based on your total account value, calculated as the average daily balance over the prior month. Tier benefits may be modified or discontinued at any time. Benefits are subject to availability and eligibility requirements.

11. Extended Hours Trading

Extended hours trading involves additional risks, including:

• Lower liquidity
• Higher volatility
• Wider bid-ask spreads
• Greater price fluctuations
• Delayed settlement

12. Margin Trading

Margin trading involves borrowing funds to purchase securities and magnifies both potential gains and losses. You can lose more than your initial investment. Margin requirements and interest rates are subject to change.

13. Market Data

Market data is provided for informational purposes only. While we strive for accuracy, we do not guarantee the completeness, accuracy, or timeliness of market data. Real-time quotes are subject to exchange fees and may be delayed.

14. Forward-Looking Statements

This website may contain forward-looking statements regarding future events or financial performance. These statements are subject to risks and uncertainties, and actual results may differ materially.

15. Contact Information

For questions about these disclosures or our services:

summitbull Investing, Inc.
Email: Support@summitbull.com
Phone: +44 7451 27452
Member FCA/FSCS