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Message Simplify Your FinancesA User’s Guide to SettingUp and Optimize YourClient Portal

Welcome to Your eMoney ClientPortal At LynnLeigh & Company, we believe that confidence in your financial future starts with clarityand connection. That’s why we use the eMoney Client Portal — a powerful, secure platform thathelps you stay informed, organized, and in control of your financial life.This user guide was created with you in mind. Whether you’re just getting started or want toexplore new features, you’ll find step-by-step instructions, visual walk-throughs, and helpful tipsto make the most of your experience — from linking accounts and budgeting tools tounderstanding your investments and uploading important documents.We’ve organized this guide into clear sections for desktop and mobile use, and included atroubleshooting section to help you navigate common questions. No financial jargon. No techconfusion. Just a smart, simple guide to help you take the reins.And of course, if you ever feel stuck, we’re only a call or message away. Our team is here to makesure you feel supported every step of the way.Let’s get started.Warmly, The LynnLeigh & Company Team

Personal Financial Website OverviewPortal RegistrationPersonalize Home PageOrganizer OverviewMy Plan OverviewAdd AccountsLink Manually Entered AccountsUnderstanding Connections & Data AggregationSpending & Budgeting: Your Cash Flow Command CenterNavigating Your Investment SnapshotProtecting What Matters Most: Your Secure Document VaultAlerts: Stay Informed, InstantlyYour Mobile Personal Financial WebsiteUploading Documents from Your Mobile DeviceTable of Contents

Save Quick Access to Your PortalTroubleshooting Linked AccountsForgot Your Password?Table of Contents (Cont.)

Personal Financial WebsiteOverviewYour entire financial life—organized in one secure place.The eMoney Personal Financial Website is your always-on dashboard. From real-time accountupdates to long-term projections, it’s built to give you a clear, comprehensive view of where youstand and where you’re headed.In this section, we’ll cover:What’s included in your personal financial websiteHow to navigate key features like accounts, planning tools, and the VaultWhy this portal is more than just a snapshot—it’s a launchpad for big-picture planningThink of it as your financial home base. Whether you check in weekly or just want quick accesswhen needed, this site is here to support your goals 24/7.

9/2024 |Personal Financial Website Overview This guide provides an overview of the features on your Personal Financial Website. Your website is designed to give you the tools toorganize your financial life and help you stay connected with your finances in one simple consolidated view. Page 1 of 7 Personal Financial Website Overview Personal Financial Website Home Page Your Home page is a living snapshot of your financial wellbeing, providing a high-level view of your financialinformation. This page is divided into separate tiles that represent the information contained within a section ofthe website. Begin customizing your experience by clicking the gear icon in your Net Worth and Investment tiles. Note Before you first login, you will be prompted to establish three security questions and set up 2-Factor Authentication.

9/2024 |Personal Financial Website Overview Page 2 of 7 Personal Financial Website Overview Personal Financial Website Organizer The Organizer helps you consolidate all your important financial information into one place. You can click thesections on the left-hand side to add your accounts, financial data, people, and property. The information withinthe Organizer will be used to populate other areas of the website, including the Home page. You can also add people and property using the Add People and Add Property drop-downs on the right side intheir respective sections.

9/2024 |Personal Financial Website Overview Page 3 of 7 Personal Financial Website Overview Personal Financial Website My Plan My Plan breaks down your financial plan into topics in a personalized ribbon at the top of the page. Drill intospecific areas like Retirement and Education. Note that the visibility of some tiles is dependent upon your goals. Ifyou have permission make changes to their data, you can use the Add Goal button to add a goal. That goal willthen appear as a part of the ribbon of plan topics.

9/2024 |Personal Financial Website Overview Page 4 of 7 Personal Financial Website Overview Personal Financial Website Spending The Spending page gives you a clear view of what you’re spending each month. This area includes an Overview,Budgets tab, and Transactions tab. Use these three tabs together to create an accurate view of your spendingand current budget. If there is no information on this screen, it is because a bank account or credit card needs tobe added to the Accounts section within your Organizer.

9/2024 |Personal Financial Website Overview Page 5 of 7 Personal Financial Website Overview Personal Financial Website Vault The Vault is a secure repository in which files are stored by your Advisor for your review, and where you canstore your files. To upload a file, click either the My Private Documents or Shared Documents folder, then clickUpload Files. The My Private Documents folder is hidden from your Advisor; if you want your Advisor to see adocument, upload into the Shared Documents folder. Investments The Investments page is made up of four components: Summary, Allocation, Analysis, and Transactions. Theseprovide you with an overall view of your investments as well as the ability to view individual account activity andasset breakdowns.

9/2024 |Personal Financial Website Overview Page 6 of 7 Personal Financial Website Overview Personal Financial Website Tasks The Tasks icon alerts you of tasks assigned to you by your Advisor. Click Complete when you finished the task tonotify your Advisor. Reports The Reports page provides you with a series of reports about your current financial situation.

9/2024 |Personal Financial Website Overview Page 7 of 7 Personal Financial Website Overview Personal Financial Website Alerts The Alerts icon allows you to view any triggered alerts. Click Manage to set up your Alert parameters. Settings The Settings page is where you can set Alerts, update your Security information, such as passwords and securityquestions, and set your Privacy Settings, which allows you to determine what level of access your Advisor haswhen viewing your Spending and Budgeting data.

Portal RegistrationWelcome to your financial command center.Before you can start exploring all the tools and features of your eMoney Client Portal, you’ll need tocomplete a quick and secure registration process. Whether you’ve received a registration email orare joining for the first time, this section walks you through the exact steps to get up and runningsmoothly.Inside, you'll learn:How to activate your account from a LynnLeigh & Company invitationWhat to expect during the setup processTips for creating strong login credentialsWe’ve made this part as seamless as possible—so you can spend less time setting up and moretime gaining clarity on your financial life.

1/2025 | Portal Registration Process In this user guide, we will demonstrate how to register for your portal in a few simple steps! Your financialrepresentative will send a system-generated email with an embedded registration link. For your security, this link hasredemption codes built into it. This means that the link you received is for one-time use only. Once the link has beenclicked, it will then expire. Do not click the link until you are fully ready to complete the registration process!Registration should take no more than 10 minutes. Page 1 of 5 1. OnceFrom your email inbox, open the invitation email. Then Click Register Now. Note The registration invitation email will come from notification@emoneyadvisor.com. If you delete the email, your financial representative can resend it.

1/2025 | Portal Registration Process Page 2 of 5 2. 3. After establishing your Username and Password, you are required to register for 2-Factor Authentication (2-FA). The main purpose of 2-FA is to ensure the security ofyour information. 2-FA will verify your identity using a PIN sent to your phone. This isan important measure in safeguarding your personal financial data, a matter we takevery seriously. You will first register your Primary phone that will be used for 2-FA. Enter your phone number and click Enroll. For international phones, add a “+” in front of your number. The link will open a new page in your default internet browser. Here you will establish aunique Username and Password. Follow the password meter to confirm you have met thesecurity requirements. Click Register to continue.

1/2025 | Portal Registration Process Page 3 of 5 4. Onceyouhave received your PIN, enter the 6-digit code into the verification box and clickVerify. Click the Call link to have the verification code read to you over a phonecall.Thecode expires after 10 minutes, click the Resend link to receive a new PINverification code. 5. Nextyouwill be prompted to set up a recovery phone. This number will be used if you donothave access to your primary phone while trying to login. Enter another phonenumberand click Submit, or you can elect to Skip this for now.

1/2025 | Portal Registration Process Page 4 of 5 7. Finally, read the Terms of Service and click I Accept.6. Next,you will be prompted to set up 3 security questions. Fill in all available fields and clickContinue.

1/2025 | Portal Registration Process Page 5 of 5 8. Onceyou have successfully registered for your website, you will receive a confirmation email as shown below. Save the log-on link to your bookmarks for easyaccess!

Personalized Home PageYour Personalized Home Page is your financial command center.When you first log into the eMoney Client Portal, this is the page that greets you—and it’sdesigned to give you instant clarity. At a glance, you’ll see your key financial details, recent activity,and any important alerts or tasks.This Section will help you with: Understand what each section of the dashboard meansCustomize what you want to see firstStay on top of to-dos or updates from your advisorWhether you check in weekly or just want a quick snapshot, your home page gives you the clarityyou need, when you need it.

02/2025 | Personalized Home Page Your portal’s home page is customizable, so you can highlight what is most important to you. Page 1 of 3 Client Portal Personalizing the Home Page 1.2. After logging in, click Customize.Select your biggest financial concern. Click Update. Note Selecting No Preference will display the default Home page.

02/2025 | Personalized Home Page Your portal’s home page is customizable, so you can highlight what is most important to you. Page 1 of 3 Client Portal Personalizing the Home Page 1.2. After logging in, click Customize.Select your biggest financial concern. Click Update. Note Selecting No Preference will display the default Home page.

02/2025 | Personalized Home Page Page 2 of 3 Client Portal Personalized Home Page Views Setting a Budget Growing Wealth

02/2025 | Personalized Home Page Page 3 of 3 Client Portal What I’m Worth Achieving Goals

Organizer OverviewThink of the Organizer as your personal financial inventory.This is where you’ll enter details about your income, expenses, insurance, goals, and more. Themore complete your Organizer is, the more personalized and accurate your planning experiencewill be.In this section, we’ll guide you through:Navigating the different categories in the OrganizerKnowing what information to include (and what can be skipped for now)Updating your details as life changesNo need to fill it out all at once—this is your space to go at your own pace. The Organizer helps ussee the full picture so we can build a plan that truly reflects you.

3/2024 | Organizer Overview This User Guide details the features of your Client Site Organizer. Page 1 of 5 Organizer Overview Personal Financial Website TheOrganizer allows you to group all your financial information in one place, as seen below. The menu options list out the available sections you can view and modify by clicking into each section. Use the Organizer to group all your financial information in one place. Click the different sections to add and editthe related information. The information included here will be used to populate other areas of the application,including the Home page.1. From the Home page, click Organizer on the top navigation bar. 2.

3/2024 | Organizer Overview Page 2 of 5 Organizer Overview Personal Financial Website 3. To modify any of your personal information, click your name from the Organizer Overview page. Click the profile image icon to upload a profile picture of yourself. Click the pencil icons on the Contact or Employment tiles to edit these details and use the Add Document button to upload relevant documents to yourVault. The Add Document feature is available within certain Organizer entries. Note •••Basic Info: First and Last Name, DOB, Gender, Special Needs, Health Status, Marital Status Contact Info: Email, Phone, Mobile, Fax, Address. Only Mobile number will display on the Overview Employment Info: Employer Name, Job Title, Email

3/2024 | Organizer Overview Page 3 of 5 Organizer Overview Personal Financial Website 4. 5. On the main Organizer tab, you can add relevant People and Property. Click the Add Person drop-down to add a person and enter details. You can upload a picture of each person on their individual page. Click the Add Property drop-down to add Real Estate, Property, or a Business. Professional Contacts allows you to add information on key contacts. Your advisor will always be listed firstin this section. Click the + Contact button to add a contact.

3/2024 | Organizer Overview Page 4 of 5 Organizer Overview Personal Financial Website 6. 7. Income, Expenses, and Savings contains your Annual Income, Living Expenses, and Contributions and Savings. Future Expenses allows you to add retirement goals, education goals, and any major expense goals. Click the+ Expense button to add an expense.

3/2024 | Organizer Overview Page 5 of 5 Organizer Overview Personal Financial Website 8. 9. RiskTolerance provides a 12-question questionnaire. You need to answer all 12 questions in full to see yourriskscore. Financial Priorities are used to help create an accurate view of your plans regarding your finances. Here, you canassign an order to your financial goals. Click Add/Remove to edit your Financial Priorities.

My Plan OverviewYour financial life isn’t one-size-fits-all—and your plan shouldn’t be either.The My Plan section brings your goals, assets, income, and future projections together in oneinteractive place. It’s where you can visualize your progress, explore what-if scenarios, and stayaligned with your long-term vision.In this section, we’ll show you:How to view your current financial planWhere to see projections and retirement timelinesHow updates to your data impact your planThis isn’t a static spreadsheet—it’s a living blueprint that grows with you. Whether you're planningfor retirement, buying a home, or sending kids to college, My Plan helps you see how it all fitstogether.

9/2024 | My Plan Overview This trainingguide demonstrates the functionality of the My Plan page within your Personal Financial Website. Page 1 of 5 My Plan Overview Personal Financial Website Youcan also click any Goal summary tile to navigate to the details for that Goal within My Plan.The My Plan dashboard allows you to engage with your financial plan details dynamically at any time. 1. From the Home page, click My Plan in the primary navigation bar. 2.

9/2024 | My Plan Overview Page 2 of 5 My Plan Overview Personal Financial Website 3. 4. Morecharts are available through the My Plan secondary navigation ribbon. Click any chart to switch todisplay that chart. Profile, Income, Balance Sheet, and Retirement are available by default; and more chartsmaydisplay if you have additional Goals defined. The Plan Overview is the primary chart. From here, you can click the Retirement or other Goal summary tileto navigate to its relevant details.

9/2024 | My Plan Overview Page 3 of 5 My Plan Overview Personal Financial Website 5. 6. Ifconfigured, you can add new Goals. Click the Add Goal button. If the relevant permissions have been granted, you can use the View drop-down to switch between theSummary and Probability of Success for Retirement, Education, or Spending Goals and see the differencebetween expected results and the impacts of potential market volatility.

9/2024 | My Plan Overview Page 4 of 5 My Plan Overview Personal Financial Website 7. Select the Goal Topic, enter details, Add Funding, and Save.

9/2024 | My Plan Overview Page 5 of 5 My Plan Overview Personal Financial Website 8. Note Depending on your website configuration, you may not have all the functionality described in this guide. Please reach out to your Advisor with any questions. Ifconfigured, you can edit the basic details for Education and Expense Goals. Click any of the metric buttonstodisplay the side panel and edit the details of this goal.

Add AccountsYour financial world, all in one place.Adding your financial accounts is the first step toward building a comprehensive view of yourmoney. Whether it’s your checking, savings, credit cards, mortgage, or investment accounts,linking them allows your Personal Financial Website to reflect your real-time financial picture.This section walks you through how to add your accounts—automatically or manually—so you cansee your cash flow, track spending, and monitor progress toward your goals, all from one securelocation.Whether you're just getting started or adding new accounts later, this guide helps ensureeverything is connected.

05/2024 | Add Accounts This user guide will demonstrate how to add connected and manual accounts.Page 1 of 12 Add Accounts Personal Financial Website Adding Connected Accounts Establishingconnectionsto your personal banking institutions will allow your account information to be updatedautomatically. You can enter your account holdings manually if you do not have an online login to an institution. 1. From your Home page, click Add Account. You can also click Organizer in the menu, click Accounts, and click Add Accounts.

05/2024 | Add Accounts Page 2 of 12 Add Accounts Personal Financial Website 2. 3. 4. Select the connection from the search returns. Enter the name of the institution or website address, then click Search. Click I have an online login to this account. (Manual entry is explained in the next section.)

05/2024 | Add Accounts Page 3 of 12 Add Accounts Personal Financial Website 5. 6. Enter your login credentials for this institution and click Connect. If an Acknowledge Institution Notice screen appears, read the notice, and click Continue. This notice varies by institution and will inform you of any critical information related to this institution’s connection. Ifthere is an issue connecting to your accounts, you will receive a status message describing the problem,and you can click on the message to learn how to fix it.

05/2024 | Add Accounts Page 4 of 12 Add Accounts Personal Financial Website 8. 7. On the Accounts page, you can easily see when your accounts with an institution last updated or if anyaccounts are in an error state. Once your credentials have been verified, you can review the accounts brought over through the connection. Click Continue to return to an overview of all accounts you have entered in your portal.

05/2024 | Add Accounts Page 5 of 12 Add Accounts Personal Financial Website Connection Maintenance Eachconnection you establish willrequire maintenance. For example, if you updated your password at theinstitution, you would need to update the credentials on the connection in your portal. 1. Errors that you can repair will appear with a Repair button that you can click to fix the issue. Refresh the connection anytime to pull over updated account values manually. With the Actions menu, you can make a handful of selections to manage your Connections: 2.3.

05/2024 | Add Accounts Page 6 of 12 Add Accounts Note Personal Financial Website 4. 5. Select Delete to remove the connection and all associated accounts. Select Find New to pull any new accounts opened after establishing the Connection. Ifyou Delete the Connection, you will lose all accounts and transaction history. This is notrecommended unless the connection and its accounts are no longer needed.

05/2024 | Add Accounts Page 7 of 12 Add Accounts Personal Financial Website 6. 7. Select View Connection Details for the connection name, URL, and Connection Type. The Advisor Permissions selection displays a popup that allows you to enable your Advisor to Find Newaccounts on your behalf.

05/2024 | Add Accounts Page 8 of 12 Add Accounts Note Personal Financial Website Adding Manual Accounts 1.2. ClickIdon’t have an online login to this account. ClickAddAccountsontheHomepageor the Accounts page. Ifyou do not have the following options, please contact your advisor.

05/2024 | Add Accounts Page 9 of 12 Add Accounts Personal Financial Website 3. 4. Select the type of account. Then, click the more specific type of account.

05/2024 | Add Accounts Page 10 of 12 Add Accounts Personal Financial Website 5. 6. Enter details about the account and click Save. From the Accounts Page, under Other Accounts, click the account title.

05/2024 | Add Accounts Page 11 of 12 Add Accounts Personal Financial Website 7. 8. Click Holdings. Click Add Holding.

05/2024 | Add Accounts Page 12 of 12 Add Accounts Note Personal Financial Website 9. For privateholdings, enter $$$ for the Ticker and enter the appropriate holding description, cost, andother information. For publicly traded holdings, enter the respective ticker or CUSIP. Press the tab key or click away; the stockdescription and price will populate automatically. Enter the number of Units, Cost Basis, and Acquired Date,then click Save.

Link Manually Entered AccountsWhen automation isn’t an option, precision still is.Some financial accounts—like a privately held investment, a local credit union, or even a vintagecoin collection—might not link automatically. That’s where manually entered accounts come in.This feature ensures your full financial picture isn’t missing any key pieces.In this section, we’ll show you how to create and update accounts manually so your net worth, cashflow, and plan projections stay accurate. It’s a great option for adding assets or liabilities thataren’t held at a major institution—or for tracking personal items like a loan to a family member ora property you own outright.Your finances are more than just numbers at big-name firms. This tool makes room for all of it.

6/2024 | Link Manually Entered Accounts This guide demonstrates how to connect your manually entered facts. You will go through this process on an account basis. There are many benefits to connecting your accounts, the most important being able to have up-to-date access toaccount balances and information. To begin, log in to your Personal Financial Website. Page 1 of 3 Link Manually Entered Accounts Personal Financial Website 1. 2. If youpreviously entered an Institution Name within your Organizer for an account, theapplication will pre-populate search results based on what you entered. Afterclicking Link Account, you will be prompted to search for and identify the appropriatefinancial institution related to that specific account. Search for Name or Website Address. On your Home page, locate the Accounts tile on the left. Click on any section to expand. Anymanually entered facts will have a Link Account button.

6/2024 | Link Manually Entered Accounts Page 2 o f 3 Link Manually Entered Accounts Personal Financial Website 3. 4. 5. You will then be asked to Confirm your account selection by clicking Link Account. After selecting the right institution, you will enter your credentials to establish the connection.The institution may prompt for additional verification, such as security questions or 2-FactorAuthentication.Once the link is established, you will see a list of accounts that you can link to your site. Clickthe account that matches and then click Continue.

6/2024 | Link Manually Entered Accounts Page 3 o f 3 Link Manually Entered Accounts Personal Financial Website 6. You’ll receive a confirmation when the account is linked.

Understanding Connections &Data AggregationThe power of your portal comes from what it connects.Your Personal Financial Website uses data aggregation to automatically pull information fromyour linked accounts—banking, credit cards, investments, loans, and more—so you can see yourfull financial life in one place. These real-time connections allow you (and us) to monitor yourprogress, update your plan, and make confident decisions.This section explains:How account connections work behind the scenesWhat to expect when linking and refreshing accountsCommon reasons an account might need attentionTips to keep your connections running smoothlyWhether you’re connecting a major institution or a smaller provider, this guide helps ensure thatyour data stays accurate and your financial picture stays complete.

We aggregate data to consolidate all your accounts into one view on your Personal Financial Website—likeyour checking account, 401(k), and investment account balances—so you can easily monitor your financeswhile we create an accurate financial plan based on real-time data.Though your Personal Financial Website already employs rigorous data security practices beyond mostindustry standards, we’re always looking for ways to continue to reduce risk. So we’re leading the charge inadapting API-based aggregation. Unlike traditional aggregation methods, APIs do not rely on your usernameand password for access. They’re built in partnership with your financial institutions and create a secure andreliable channel for transporting financial data.In the immediate future, you may be required to take a small action when your connection transitions to anAPI. While each API will have a slightly different process for authorization based on the financial institution’sprocess—the basic process will remain the same. When the API becomes available, the connection will show an error on your Accounts page. Simply go to Organizer > Accounts and follow the instructions on the connected account to re-establish the link through the API.Data aggregation is an engine that simplifies and clarifies multiple sources of data into one complete picture.But how is it used in your Personal Financial Website—and why should you care about it?As digital threats like data breaches continue to grow, financial institutions are looking for ways to protectinvestors’ sensitive data by adding new and enhanced security measures. In addition, the Consumer FinancialProtection Bureau (CFPB) has outlined a clear set of principles financial technology companies must abide bywhen it comes to handling consumer data. All these changes are driving the fintech industry to find new waysto minimize risk when aggregating data. For many, this means adopting a more secure method of aggregatingdata through APIs. We fully support this push toward heightened security across the industry and, as such, areadopting our own methods of safe, secure data aggregation.DATA AGGREGATION 101What You Need to Know About ConnectionsHow Will This Affect Me?How Is My Technology Responding?Why Is Data Aggregation Important?What’s Changing in Data Aggregation?That’s it! Once you’re connected through the API, you’ll experience increasedreliability, security, and more control over your data.

Risk of Screen ScrapingScreen scraping, while commonly used, does have a few risks and challenges.What Is Data Aggregation?Data aggregation is the process of gathering digital information– like your checking account, 401(k), andinvestment account balances–from a variety of separate sources to combine the data into a unified set. YourPersonal Financial Website uses Connections to aggregate your financial account information, allowing us tobuild a financial plan with all your information in mind. At eMoney we use three different data aggregationmethods to collect your important financial data.Data Aggregation Methods:Parsers or Screen Scraping:Screen scraping is a common method used in the data aggregation process and refers to thecollection and transfer of data from one application to another. When you log into your PersonalFinancial Website and submit your log-in credentials, parsers “scrape” or copy financial data tobring it all together in one view.Bulk File Feed or Direct Feed:Direct Feeds are typically used for advisor-based connections and involve eMoney directlyreceiving files from an outside institution. Direct feeds are used for the transmission of large setsof data. Our system processes the data from those files on a regular schedule. 1.Security Concerns: Screen scraping relies on you sharing your log-in credentials with your Personal Financial Website, which copies your data from your financial institution. We uphold the strictest security standards to protect your information and keep your login credentials private.2. Broken Parsers and Connection Errors: Using your credentials can be tricky for parsers—there are things like multi-factor authentication that make it difficult to maintain the connection day over day, resulting in the need to update credentials every time you want to get refreshed data. Connections can break from time to time and we see this most frequently in screen scraping or parser connections. Parsers are essentially built for a specific page layout for a specific institution, so if that institution updates their website in any way, the parser will break, requiring eMoney to rebuild that parser. We rely on the institution to provide the updated page layout, which in many cases can take a significant amount of time.1PERSONAL FINANCIAL WEBSITEYour Guide to Data Aggregation

2Benefit of APIs:API Connections:An API, or application program interface, allow two systems to interact and connect with each other in asecure way to create a streamlined flow of data.The Transition to APIs:We continually push ourselves to set new standards and over the past few years, eMoney has worked totransition several of our parser connections to APIs due to the added security and reliability they provide.Today, more than 90% of accounts aggregated are via API or bulk file. Is My Data Protected?We have never sold client data, and we never will. Some data aggregators use client financialinformation regarding spending habits, income, and other transactional data for advertising.Know that eMoney has never and will never share your data with advertisers. We believe thatyour data is private and should always remain under your control.How Will This Affect My Personal Financial Website?You may have already noticed that some of your connections have been converted from screen scraping toAPIs. If your connection has been converted to an APIbased connection, there may be a few actions you needto take to establish the new API connection. Typically, you will receive an error prompting you to re-enteryour credentials for that institution. You may be re-directed to the institution’s website to log-in directly andauthorize eMoney to access to your data. Once the new API connection is established, things like multi-factorauthentication and password changes will not impact your connection.1. 2. Security: APIs offer a more secure way to collect and copy data because they do not require access tologin credentials, which means no transactions can be made. Think of APIs as offering “view only” accessto account data.Reliability: With traditional screen scraping methods, your access to your data may be disrupted by password changes, or changes an institution makes to its website, which may require screen scraping logic to be adjusted. By aggregating data through APIs, you have more reliable access to your data as they are not impacted by institution changes like these.

Spending & Budgeting: Your CashFlow Command CenterMoney in. Money out. And everything in between.This section is your guide to mastering the day-to-day flow of your finances inside the eMoneyportal. Whether you want to build a budget, review spending habits, or just understand whereyour money is really going, these tools make it easy to take control—without the spreadsheets.We’ll walk you through:How to review your Spending and Budgeting Overview dashboardWays to customize Spending Categories so your reports reflect real lifeHow to Hide Spending Transactions you don’t want factored into your totals (thinkone-off transfers, reimbursed expenses, or cash withdrawals)No need to track every dollar manually—just link your accounts, set your goals, and let yourfinancial website do the heavy lifting. You’ll get insights, clarity, and peace of mind.

5/2024 |Spending and Budgeting Overview This guide details how to use the Spending and Budgeting tools available on your Personal Financial Website. These tools allow you tobuild out monthly spending budgets while tracking spending habits on your connected transactional accounts. To track your spending andbudgeting, you must first connect your accounts. Page 1 of 13 Spending and Budgeting Overview Personal Financial Website Spending Tab Privacy Settings By default, your Advisor and any additional website users, such as a spouse, are unable to see your spendinginformation. To change this setting, click Settings, then click the Privacy tab. You can choose between theSpendingPermissions: None, Limited, or Full for each person listed. 1. Fromthe Home page, click the Spending tab or tile.

5/2024 |Spending and Budgeting Overview Page 2 of 13 Spending and Budgeting Overview Personal Financial Website 2. 1. The Spending tab comprises three sections: Overview, Budgets, and Transactions.TheOverview tab shows spending by category over a specific date range. The default view displays spendingamounts during the Last 30 Days, from All Accounts, for All Categories. Overview Tab

5/2024 |Spending and Budgeting Overview Page 3 of 13 Spending and Budgeting Overview Personal Financial Website 2. Note Credit Card Payments and Transfers are considered neutral categories and do not affect theIncome, Expenses, and Net Total calculations. Thepie chart is a graphical representation of the category list on the right-hand side. Clicking a pie chartsegment, a Spending category within the list, or using the Categories filter will take you to a more detailedspending breakdown for a category. In this example, the category Auto & Transport is selected. When using the Categories filter to display a detailed spending breakdown for a category, click the checkbox forthe category you want to display. The category’s subcategories will automatically be selected. Click the plussymbol next to the category to view its subcategories. Using the Categories Filter:

5/2024 |Spending and Budgeting Overview Page 4 of 13 Spending and Budgeting Overview Personal Financial Website 3. Afterclicking into a specific category, you can see what sub-categories make up the total spending of thetimeframe you have set. Clicking View all transactions will take you to the Transactions tab for a detailedviewof the individual transactions in those categories. You can remove the checkbox before anysubcategory to be more specific about what youwant to display. Click Apply once you have selectedall the categories and subcategories you want todisplay. The Categories filter shows how many categories are selected. Clicking the Transactions tab will retain these same categories filters. Click Clear to clear all selected items.

5/2024 |Spending and Budgeting Overview Page 5 of 13 Spending and Budgeting Overview Personal Financial Website 4. Backon the Overview tab, the first dropdown also includes Spending History and Budget History.

5/2024 |Spending and Budgeting Overview Page 6 of 13 Spending and Budgeting Overview Personal Financial Website 5. 6. Budget History displays what was budgeted and spent over time. Hover your mouse over the chart to seedetails of what was budgeted and what was spent. Spending History displays a bar chart that tracks income, expenses, and the net amount over time. You canhover your cursor over the green (Income) and red (Expenses) bars as well as the points (Net amount) to viewspecific information for that time frame – each is clickable too.

5/2024 |Spending and Budgeting Overview Page 7 of 13 Spending and Budgeting Overview Personal Financial Website Budgets Tab 1. 2. Continue building out your desired budget by clicking Add a Budget, selecting a category, and entering amonthly budget amount. Then click Save. If you’re creating an Auto-Budget, the system will automatically create a budget for you based on your average spending from the past six months. TheBudgets tab allows you to create a budget to help manage your expenses. There are two ways to add abudget – Add a Single Budget or Create an Auto-Budget.

5/2024 |Spending and Budgeting Overview Page 8 of 13 Spending and Budgeting Overview Personal Financial Website 3. Clickthe pencil icon to edit the budget details for any specific category.The Transactions tab displays all bank transactions from your online accounts. Note The Create an Auto-Budget feature does not currently account for the possibility of having lessthan six months of transaction data. If you choose to use this feature, it is recommended toreview the auto-budget categories and budget amounts for accuracy. Transactions Tab

5/2024 |Spending and Budgeting Overview Page 9 of 13 Spending and Budgeting Overview Personal Financial Website 1.2.3.4.5. 6. Click Download to export the transaction table to a .CSV format.Click the transaction row to make changes to the Description or Category for transaction.Use the Category drop-down to select a new category.To create a rule to apply your edits to all similar transactions, make the edits to the Description and Categoryof the transaction, then check the appropriate box under Rule.Click Save Rule when you’ve set rule parameters.You can choose to hide individual transactions by toggling the Hide Transaction toggle on.

5/2024 |Spending and Budgeting Overview Page 10 of 13 Spending and Budgeting Overview Personal Financial Website Spending Settings The Spending Settings button allows you to further manage spending Categories, Rules, and Excluded Accounts.For example, if you cannot find the category you’re looking for when re-categorizing transactions, you can createnew sub-categories. Note: Hiding Transactions Hidden transactions will not remain visible within the Transactions tab unless you click theView Hidden toggle on the top of the Transactions page, and are no longer accounted for onthe Overview tab or Budget tab. When viewing hidden transactions, note the amounts of thesetransactions will not be included in totals. The hidden transaction amount will deduct from Income, Expenses, and Net Total numbers on the top right of the Transactions tab. 1. Click Spending Settings. 2. The pop-up window will open on the Categories tab where you can customize your Categories. 3. Select a Parent Category, enter the desired information and add any sub-categories. 4. Click Done.

5/2024 |Spending and Budgeting Overview Page 11 of 13 Spending and Budgeting Overview Personal Financial Website 5.6. Note When deleting a rule, the system will not revert the affects that rule had on your pasttransactions, but moving forward it will no longer apply the rule to your transactions. TheRules tab allows you to edit a rule’s details, rearrange the priority if you have multiple rules set, or deletea rule.To delete a rule, click the trash can icon next to the rule you want to delete. Click Done.TheExcluded Accounts tab lets you exclude specific accounts from budgets and spending charts. Use thedrop-down to specify if you want to show or hide specific accounts. Then, click Done.

5/2024 |Spending and Budgeting Overview Page 12 of 13 Spending and Budgeting Overview Personal Financial Website Estimate Annual Living Expenses from Spending The Estimate from Spending option lets you pull in aggregate figures from your historical spending transactionsto populate itemized annual living expenses in your Organizer. 2. Click Estimate from Spending. 1. To estimate annual living expenses from spending, click Organizer, then click Income, Expenses, and Savings.

5/2024 |Spending and Budgeting Overview Page 13 of 13 Spending and Budgeting Overview Rounded to the Nearest $10]X 12 Personal Financial Website 3. 4. Review the annual and monthly amounts, then click Add. Total Dollar Value in Category# of Months Since First Transaction in Category = The itemized living expenses from spending will populate. Click the trash can icon to delete an expense. IfItemized living expenses are already added, the Estimate from Spending option will not overwrite anyexisting itemized expenses. Note: The Annual Average for each categorystarts from the date the category wasadded to the system, i.e., when youconnected the account(s) to your PersonalFinancial Website. To get the monthly value, the number is divided by the number of months the category has been added to your Personal Financial Website and then it is rounded to the nearest ten dollars. Then, the number is multiplied by twelve to get the annualized value. See below for the calculation. 𝐸𝑠𝑡𝑖𝑚𝑎𝑡𝑒 𝑓𝑟𝑜𝑚 𝑆𝑝𝑒𝑛𝑑𝑖𝑛𝑔 𝐴𝑛𝑛𝑢𝑎𝑙 𝐴𝑚𝑜𝑢𝑛𝑡[()

7/2024 | Spending Transactions This guidedetails the default Spending & Budgeting categories in your Personal Financial Website. Editing Spending Categories By default,eMoney usesthe titleprovidedby the institution to categorize your Spending Transactions.As a best practice, you should verify that your Spending Transactions are accurately categorized. 1. To change how your transactions are categorized, click the row for the specific transaction, select a new Page 1 of 4 Spending Categories Personal Financial Website Category, and click Apply. If desired, use the checkboxes to add a Rule and click Save Rule. This will automatically apply your new categorization going forward.

7/2024 | Spending Categories Page 2 of 4 Spending Categories Personal Finanacial Website Adding New Sub-Categories Ifyoucannot finda currentCategorythat matches your Spending Transaction, you can create additionalsubcategories under any existing category! 1. Click Spending Settings, select the Parent Category, enter your new desired Sub-Category, and click Add and Done.

7/2024 | Spending Categories Page 3 of 4 Spending Categories Fast Food & Convenience Restaurants/Dining Groceries Alcohol & Bars Coffee Gym Hair & Nails Spa & Massage Personal Care Furniture & Home Décor Household Services Home Improvement/Maintenance Home Supplies Personal Finanacial Website Default Spending Categories UsethelistbelowasareferencefordefaultSpending Categories: Checks Online Payment Tuition Movies, DVDs & Music Concerts & Events Subscriptions Bank Fee Finance Charge Service Fee Gas & Fuel Auto Service Auto Payment Auto Registration Public Transport Parking Rideshare Tolls Bills & UtilitiesPhone, Internet & Cable Energy, Gas & Electric Garbage Recycling Sewer Water Student Loan BonusDividendOther IncomeInterest IncomeInvestment IncomePaycheck/SalaryNet SalaryTax Refund Disability Insurance Homeowners Insurance Life Insurance LTC Insurance Health Insurance Umbrella Insurance Auto Insurance Whole Life Insurance Childcare & Daycare Kids Clothing Toys Baby Supplies GiftsFoodBusinessCash/ATMCharityEducationEntertainmentFees & ChargesAuto & TransportKidsLegalLoan HomeIncomeInsuranceHealth & Fitness

7/2024 | Spending Categories Page 4 of 4 Spending Categories Personal Finanacial Website Pets Savings Medical Mortgage& Rent Shipping & HandlingShopping Taxes Transfers Travel & Vacation DentistDoctorPharmacyVision Mortgage Principal Mortgage Interest Mortgage Escrow Pet Food Pet Grooming Veterinary Investment Savings Retirement Savings College SavingsClothingElectronics & SoftwareSports & HobbiesMerchandise/MiscBooks SDI TaxSocial Security TaxState TaxFederal TaxLocal TaxMedicare TaxOther TaxProperty Tax CreditCard Payment AirTravelHotel Rental Car Note Excluded transactions occur when you have elected to exclude any accounts from Spending. This category will allow you to see these transactions. Unclassified transactions can occur when the system does not recognize a particular transaction title. Reduce the frequency of this by creating Rules. ••

3/2024 | Hide Spending TransactionsThis UserGuide demonstrates how to hide a spending transaction that comes from one of your connections. Typically, users hide spending transactions when they don’t want the transaction included in theirmonthly budget. For example, if a business spending transaction comes through but the user onlywants personal spending to be tracked, or if there is a duplicate spending transaction, they maychoose to hide it. Page 1 of 4 Note • • • Hidden transactions are not deletedIf the transaction is split, you can hide a portion of it Fromthe Home page, click Spending on the top navigation bar or from the Spending card.1.HiddentransactionsarenotincludedintheOverview or Budget tabs

3/2024 | Hide Spending TransactionsPage 2 of 4 2. 3. Fromthe Spending tab, click Transactions. Locate the transaction line item and click the transaction description or the row itself. Thiswill expand the transaction details. Within the transaction details, toggle the switch besideHide Transaction.

3/2024 | Hide Spending TransactionsPage 3 of 4 4. Toview all previously hidden transactions, toggle the switch beside View Hidden. Note thatthistoggle will not appear on the screen if you do not have any transactions currently hidden. Hidden transactions will populate with a blue banner titled Hidden next to the dollar amounton the right-hand side.

3/2024 | Hide Spending TransactionsPage 4 of 4 5. To unhide a transaction, click into the transaction that is currently hidden and toggle theswitch next to Hide Transaction.

Navigating Your InvestmentSnapshotA simplified view of your holdings, designed for clarity.This section walks you through how your investments are displayed in your Personal FinancialWebsite. From high-level portfolio summaries to detailed category breakdowns, you’ll gain a clearunderstanding of what you own and how it’s organized.Here’s what we cover:Investment Overview: A big-picture look at your accounts, balances, and performance.Investment Categories: How your holdings are classified—like U.S. Stocks, Bonds,Alternatives—and why those groupings help you better understand your strategy.A quick note on data timing: You may occasionally see slight differences from your custodian'stotals due to how information flows into the system.With this snapshot, you can see how your investments are working together toward your long-term goals—no spreadsheets required.

5/2024 |Investments Overview This guide introduces you to the Investments feature available on your Personal Financial Website. The Investments page provides youwith an overall view of your investments and the ability to view individual account activity and asset breakdowns. Page 1 of 8 Investments Overview Personal Financial Website Investments Page 1. 2. Fromthe Home Page, click Investments. Note The Research button is available from every tab. TheInvestments page is comprised of four tabs: Summary, Allocation, Analysis, and Transactions.

5/2024 |Investments Overview Page 2 of 8 Investments Overview Personal Financial Website Summary Tab The Summary tab shows details and balance history for all your investments or a select account. Usethe Accounts drop-down to view a detailed page for an account.Likethe Accounts drop-down, clicking on a specific account in the table displays more about an account’sindividual holdings. ThePositions As Of column displays when your accounts were last updated. For connected accounts, this is whenthe account was updated via the connection with your financial institution. 3.1.2.

5/2024 |Investments Overview Page 3 of 8 Investments Overview Personal Financial Website Allocation Tab Asset Allocation is an investment strategy that seeks to balance risk and reward in your portfolio by spreadingyour investment dollars among different types of assets, like equities, bonds, cash, or other alternatives. Clickthe Accounts drop-down to see the Asset Allocation for a specific investment. Asset Allocation considers your goals, risk tolerance, and investment horizon to determine which asset classesare appropriate for you and what percentage of your investment dollars should be allocated to each class (i.e.60% equities, 30% bonds, 10% cash and alternatives). Clickthe blue links or on a piece of the pie chart for a closer view of investments included in that category.All asset classes have different levels of risk and return, so each behaves differently over time. Asset Allocationdoes not guarantee a profit or ensure against a loss, but it can help you manage the level and type of risk you areexposed to. All Investments View 1.2.

5/2024 |Investments Overview Page 4 of 8 Investments Overview Personal Financial Website Detailed View 1. 2. 3. 4. ClickAll Asset Types to return to the main Allocation page.Clickon any ticker symbol for more information about that holding.Clickan account in the table to display a detailed view of that account.Hoveryour mouse over the pie chart pieces to view the percentage for a holding.

5/2024 |Investments Overview Page 5 of 8 Investments Overview Analysis TabThe Analysistab allows you to chart your investments for specific periods and compare net change betweenaccountsovertime. Personal Financial Website Clickon any of the column headers to sort by that header. Clickthe Account checkboxes to select items to appear in the graph. Hoveryour mouse over the chart to view details about points in the graph. Clickthe 3 Months, 6 Months, 1 Year, 3 Years, or Lifetime chart filters to select the length of time you want to represent in the graph. 1.2.3.4.

5/2024 |Investments Overview Page 6 of 8 Investments Overview Transactions Tab Investment Transactions represent activity on your investment and retirement accounts.Personal Financial Website Youcan Search for transactions by using a specific ticker. Clickthe Accounts drop-down to see transactions for a specific investment. Clicka column heading to sort in ascending and descending order by that column. Clickthe Date Range drop-down to look at transaction for specific periods of time. Usethe Types drop-down to filter for specific types of transactions such as Buy, Sell, or Reinvest. ClickExport Results to download your transactions in a .CSV format that can be opened in a spreadsheet. 1.2.3.4. 5.6.

5/2024 |Investments Overview Page 7 of 8 Investments Overview Personal Financial Website Research Click the Research button on any of the Investments tabs to view Morningstar Investment Research in a popupwindow. The default view of the Research window is top Market News stories. Enterasymbol or name in the Search box to view stories specific to those items. Use theMarkets, Economy, Companies, Funds, and International filters to show stories related to those topics.1.2.

5/2024 |Investments Overview Page 8 of 8 Investments Overview Personal Financial Website When the company-specific stories are displayed, you can click the link at the top of the screen to display therelated Morningstar report on a different tab in your browser.

4/2024 | Investment Classification This UserGuide details the classification of Investments on the Client Site. To help you manage your wealth and monitor all of your accounts through a single, consolidatedexperience, there is a detailed list of account types included within the Investments view of yourpersonal financial management website. Page 1 of 1 ••••• TaxableQualified RetirementRoth IRAHSA529 ••••• AnnuitiesDeferredCompensationCashStock OptionsLife Insurance CashValues Investments in the Accounts section are broken out into Taxable and Tax Advantaged accounts.The investments (both in and out of estate assets) include the followingaccount types:

Protecting What Matters: YourSecure Document VaultA central, secure hub for your most important financial documents.Your eMoney Vault isn’t just a convenient digital filing cabinet — it’s your personal, encryptedspace to store and share sensitive documents with confidence. Whether it’s your estate plan, taxreturns, insurance policies, or financial statements, the Vault keeps everything organized andeasily accessible when you need it most.Here’s what you’ll find in this section:Safe & Secure: An overview of the robust encryption and security protocols that protectyour personal information.Vault Overview: A tour of how to upload, organize, and retrieve documents fromyour desktop or mobile device.Sharing & Collaborating: Learn how to securely send files to your advisor orreceive shared files in return.You can think of the Vault as your always-on safety deposit box — available wherever you are, withbank-level security backing every click.

Safe and Secure Non-Transactional Highest Encryption Password ProtectionYou have a unique username and password, ensuring that only you can access your information.Submitting incorrect login credentials three consecutive times will automatically lock your accountfor 10 minutes. This is to block any manual or programmed hacking attempts. In most cases, we have no access to your username or password. However, if you decide to provide us with this information, we will never share your username and password over the phone or send it to an email address not pre- registered with your account.2-Factor Authentication Routine Security Testing Unlikeonline banking,trading or shopping websites, your money cannot be moved, withdrawn or accessed on our system. Oursystemusesa 256-bit Secure Socket Layer to scramble your data, further preventing access to unauthorized users. This is the highest level of encryption currently available today, and twice thestandard followed by many financial institutions, including banks.Your wealth managementsystem uses third-party security auditors and software, including TraceSecurity, Tenable Security and White Hat Security, to identify vulnerabilities within your systemand to assist us with remediation efforts.Yourwealthmanagement system employs 2-Factor Authentication (2FA), a complete fraud detection platform that uses a dynamic risk- and rules-based approach to identify high risk behaviors andinitiate an additional layer of security. With 2FA, you are sent a verification code to your mobilephone, which you are required to input along with your username and password in order to accessyour personal financial website. This additional layer of protection safeguards your sensitivefinancial data and strengthens the security of your account by requiring two methods of verifyingyour identity.Yourwealth managementsystem employs advanced security features and protocols to keep your data safe, private, and secure at every hour of every day, year round. Our comprehensive security measures include password protection, Secure Socket Layer encryption, firewalls, intrusion detection, audits, inspections, and more. With each measure in place, you can be confident that your important information is safe and secure.

5/2024 | Desktop Vault Overview The Vault feature in your Personal Financial Website allows you to store important documents and files safely and securely. This User Guide will show you how to navigate and utilize the Vault, including how to upload files from your computer. Page 1 of 5 Desktop Vault Overview Personal Financial Website Navigating the Vault 1.Note • • • You can upload into the My Private Documents and Shared Documents folders. Most file types are supported except for .exe (executable) files. The individual file size upload limit is 30MB. ClicktheVault tab on the navigation bar. As mentioned above, the two folders you canupload files into are My Private Documents and Shared Documents. Use My PrivateDocuments to store any personal files and use Shared Documents when uploading files thatyouwant your Advisor to view and have access to. Note • The New Folder and Upload Files buttons in the top right will remain grayed out until you have clicked into either the My Private Documents or Shared Documents folder.

5/2024 | Desktop Vault Overview Page 2 of 5 Desktop Vault Overview Personal Financial Website 2. 3. 1. Once you click into either folder, you can use the New Folder and the Upload buttons at thetop right.Clicking the New Folder button allows you to create subfolders for further organization ofyourfiles. Toupload files or an entire folder fromyour computer, first click either the My PrivateDocuments or Shared Documents folder, then click Upload and select Files or Folder.Ifyouwant to upload to a subfolder you have created, click the subfolder first, then click theUpload button. Aftercreating a new subfolder, you will be prompted to enter the folder's name. Click Createwhenfinished. Followthese steps to add as many subfolders as needed. Upload Files to the Vault

5/2024 | Desktop Vault Overview Page 3 of 5 Desktop Vault Overview Personal Financial Website 2. 3. Yourbrowser will open a new window that allows you to choose files or a folder to uploadfromyour desktop. To select multiple files, hold down the Shift key while selecting the filesindividually. When ready, click Open or Upload. Depending on your browser, you may need toconfirm the upload again. Note • Uploading a folder from your desktop will create a subfolder in your Vault containing the files in that folder. Therefore, you may not need to manually create subfolders in your Vault if your desktop files are organized in this way. If you uploaded files to the wrong folder, you can always use the Move option. This is explained on page 4. • Oncethe files are successfully uploaded, you will see a green banner confirming the upload atthetop of your Personal Financial Website.

5/2024 | Desktop Vault Overview Page 4 of 5 Desktop Vault Overview Personal Financial Website Vault Actions 2. 1. Clicking on a file in your Vault will bring you into preview mode, where you have the option toDownload the original file and easily preview other files within the folder. Eachfile has an Actions drop-down menu giving you the options to Download, Copy, Move,Rename, and Delete files.

5/2024 | Desktop Vault Overview Page 5 of 5 Desktop Vault Overview Personal Financial Website 3. Finally, remember you can use the Search field to quickly filter through all the files in yourVault. Note • •• • • Download: This option will download the file to your desktop. Copy: This option allows you to copy the file and paste it into another folder, without removing it from the original folder. Move: This option allows you to move the file from this folder to another folder. Rename: This option allows you to rename the file name in your Vault. Delete: This option allows you to delete the file. Once deleted, the file cannot be recovered.

VAULT CHECKLISTProtect Your Important DocumentsWith unlimited secure document storage, you can organizeand protect your most important documents. Review thechecklist below and start adding to your Vault today! Tax Returns W-2 Forms Social Security Info Veteran’s Administration Info Employment Benefits Pensions, IRAs, Annuities, etc. Investment Accounts Stock Options/Certificates Wills Deeds Revocable and Irrevocable Trusts Power of Attorney Codicils (Supplements made to a Will) Living Wills/Health Directives Prenuptial Agreements Buy/Sell Agreements Contracts (Life, LTD, Disability, Medical, Car, Property) List of Credit Cards with Contact Information Mortgages Loans Adoption Papers Medical Records Marriage License Pictures Audio Files Video Clips Birth Certificates Drivers Licenses Passports Social Security Cards Titles to Homes, Autos, Boats, etc. Warranties TAXESBENEFITSLIABILITIESLEGAL DOCUMENTSINSURANCE POLICIESBANK AND INVESTMENT STATEMENTSFAMILYPROPERTYIDENTIFICATION

Alerts: Stay Informed, InstantlyIn a world that moves fast, staying on top of your finances shouldn't slow you down. That’s whereeMoney Alerts come in.With customizable alerts, you can receive real-time updates about activity in your portal—likelarge transactions, account changes, or upcoming goals. These notifications help you stay aware,proactive, and confident in your financial decisions, without having to log in every day.Whether you prefer email notifications or in-app reminders, setting up alerts ensures you’ll nevermiss something important. It's a small feature that delivers big peace of mind.Let’s take a look at how to personalize your alerts so they work for you.

4/2024 | Alerts This User Guide details how to access Alerts and their settings on your Client Site. Page 1 of 5 Alerts Personal Financial Website Click the Bell icon on your navigation bar to display triggered Alerts. Alerts can help you stay up-to-date in the planning process. Note that your Advisor may customize the alerts yousee on your website. Viewing Alerts Personal Financial Website Alerts Email Alerts

4/2024 | Alerts Page 2 of 5 Alerts Personal Financial Website Delivery Settings The Delivery Settings allow you to decide which events will trigger a notification. Accessing Alerts Settings Click the Bell icon, then click Manage or click Settings on your navigation bar. Click the drop-down on the right side of Email Recipients to review the email addresses listed. To remove anaddress, click the x icon. To add a new email address, click the + icon. Adding or Editing Email Recipients

4/2024 | Alerts Page 3 of 5 Alerts Personal Financial Website Personal Finance Alerts These alerts allow you to set up financial notifications and will reflect the spending information from connectedaccounts. Home Page Notifications Toggle Home Page Notifications to On to see triggered alerts for a set number of days before they expire.Use the toggles on the left side of your screen to turn any alerts on / off. Configure the parameters of that specific alert on the right.

4/2024 | Alerts Page 4 of 5 Alerts Personal Financial Website Reminders These alerts can be customized with date or age-based options. Investment Alerts These alerts display information about the investment holdings in your portfolio.

4/2024 | Alerts Page 5 of 5 Alerts Personal Financial Website Weekly Financial Summary This summary is emailed to the address(es) on file. Your Advisor may not initially enable this email while youraccount details are being set up.

Your Mobile Personal FinancialWebsiteYour finances, wherever life takes you.Whether you’re on your morning commute, waiting at the airport, or just prefer the ease of yourphone, the mobile version of your eMoney Client Portal makes it simple to check in on yourfinancial world anytime, anywhere.You’ll have access to many of the same powerful features as the desktop site—just optimized forsmaller screens and real life on-the-go. Track your accounts, check spending, upload documents,and view progress toward your goals—all with just a few taps.In this section, we’ll show you what to expect when you log in on your phone’s browser and how toget the most from the mobile experience.Let’s get you connected.

1/2025 | Your Mobile Personal Financial Website With mobile access to your website, your complete financial picture is in the palm of your hand, whenever you want,from wherever you are. Your Personal Financial Mobile Website can be accessed on iPhone, Android, and other popular smartphones. Page 1 of 2 Track your progress toward Goals and access important documents. See all your Accounts on one page and view your updated Investments.

1/2025 | Your Mobile Personal Financial Website Page 2 of 2 How to Get Started 1.2. The first time you access your Personal Financial Website on your mobile device, you will enter the sameUsername and Password you enter on your desktop. After this initial login, you will be prompted to set a fewSecurity Questions if you have not already. Now you’ll have full access to your financial picture on the go! Onceyou have completedthe self-registration process for your Personal Financial Website, you will receive aWebsite Registration Confirmation email. Using your smartphone, access your email and click on the SIGN INlink provided. Before logging in, add or save the link to your smartphone’s Home screen.

3/2025 | Download the Mobile App This user guide will demonstrate how to download the mobile app and sign in. The mobile app is a great way to keepyour Client Portal in hand at all times. Mobile features like push notifications and biometric credential verification(fingerprint or face ID) can make it even easier to access and stay on top of alerts and notifications happening in yourClient Portal. Page 1 of 4 From the app store specific to your mobile Device, search eMoney Client Portal anddownload the app.

3/2025 | Download the Mobile App Page 2 of 4 Two Options to Sign In: 1.2. Ifyou use a username and password to log in on the desktop, enter your username here andclick Next. You will then be asked for your password and any additional verification you haveset up. You will then be signed in and ready to use the app! If you Single Sign On (SSO) to your Client Portal, then click Continue with SSO.

3/2025 | Download the Mobile App Page 3 of 4 3. You will then be asked to enter your SSO Identifier. The next step will show you where to find that identifier.

3/2025 | Download the Mobile App Page 4 of 4 4. Sign in to your Client Portal on your desktop and click Settings. At the bottom of the Settings page, you will see the Single Sign-On section. You can either manually type the Identifier fromthis page into your mobile app, or click Email here, open your email on your phone, and copyit into the mobile app from there. You will then be signed in and are ready to use the app!

5/2024 | Mobile Website Overview Page 2 of 14 Mobile Website Overview Home Personal Financial Website 1.2. Beginning with the Net Worth and Investments cards, your website will allow you to customize yourexperience. Click the gear icon on each card to pick your preferred view. Scrolling down the Home page, you will see your Accounts organized into categories. Click the arrow on acategory to expand or close the view of accounts within that category. If you notice any accounts missing,click + Add Account to connect to your financial institution.

5/2024 | Mobile Website Overview This trainingguide demonstrates the functionality of the Mobile version of your Personal Financial Website. Page 1 of 14 Mobile Website Overview Personal Financial Website Oncesuccessfully authenticated, you will be taken to your Home page, which consolidates all the data we haveentered on your website. Click the 3-line hamburger menu button to access the main navigation. The Mobile Website includes the same features as the desktop version, including a consolidated view of yourinformation. To access your website, use your standard login URL. You can refer to the confirmation email sent toyou when you first registered your access. Fromthe login screen, follow the steps to enter your Username, Password, and Verification Code. You may be prompted to enter a passcode if you previously set one up in Security Settings (outlined later in this guide). If you havenot set a passcode, you can set one up the first time you access the mobile site. 1.

5/2024 | Mobile Website Overview Page 2 of 14 Mobile Website Overview Home Personal Financial Website 1.2. Beginning with the Net Worth and Investments cards, your website will allow you to customize yourexperience. Click the gear icon on each card to pick your preferred view. Scrolling down the Home page, you will see your Accounts organized into categories. Click the arrow on acategory to expand or close the view of accounts within that category. If you notice any accounts missing,click + Add Account to connect to your financial institution.

5/2024 | Mobile Website Overview Page 3 of 14 Mobile Website Overview Personal Financial Website 3. 4. You will be asked if you have an online login to the account. Selecting I don’t have an online login, willprompt you to add your account manually. For this example, we will choose the first option – I have anonline login to this account. Search for your institution and select the one where your accounts are held. Enter your institutioncredentials and click Connect. After your credentials are authenticated, your accounts will populate into yourOrganizer.

5/2024 | Mobile Website Overview Page 4 of 14 Mobile Website Overview Personal Financial Website 5. 6. Below your Goals is a snapshot of your Spending, Overall Budget, and Recent Transactions. After you haveconnected your bank accounts, such as your Checking account and Credit Cards, your transactions willpopulate the Spending section of your website. Back on the Home page, below Accounts, is a snapshot of your Goals, showing each one's projected funding.Red indicates the projected funding is falling short, and green means the Goal is currently projected to befully funded.

5/2024 | Mobile Website Overview Page 5 of 14 Mobile Website Overview Personal Financial Website 7. Lastly, below Spending is Protection, which displays your three highest valued insurance accounts, i.e., LifeInsurance, Homeowners Insurance, Auto Insurance, etc. The Organizer is where you can view and modify your information. Click the corresponding links for more detailsabout Property, Accounts, Income, Expenses, Savings, and Future Goals. To edit your family and contactinformation, click your name. Organizer

5/2024 | Mobile Website Overview Page 6 of 14 Mobile Website Overview Goals Goalsallow you to track funding towards critical financial milestones. Create new Goals by clicking Add Goal andassigning a funding source. You can track existing goals by scrolling down your page. Each goal can be individuallyanalyzed, but the landing screen will give a great view of everything all in one place. Personal Financial Website

5/2024 | Mobile Website Overview Page 7 of 14 Mobile Website Overview Spending Personal Financial Website 1. 2. 3. The Overview tab includes a pie chart of your spending by category. You can customize a specific DateRange, view one Account or All Accounts, and view different charts by selecting the View drop-down.The Budgets tab helps you track your monthly spending. You can customize your Budget by adding, editing,or deleting categories.The Transactions tab contains transactions from your connected accounts sent by your financial institution.The information in both tabs is used to populate your Overview.

5/2024 | Mobile Website Overview Page 8 of 14 Mobile Website Overview Investments Personal Financial Website 1. 2. The Summary tab reviews your account Balance History for all Investments. Clicking into an account will filterthe Holdings and Balance History on the account level.The Allocation tab will display your allocation of your total investment portfolio and individual accounts.

5/2024 | Mobile Website Overview Page 9 of 14 Mobile Website Overview Personal Financial Website 3. 4. The Analysis tab provides an insightful chart with the net change in total value since your account was addedto your Personal Financial Website.The Transactions tab displays your investment transactions, such as Buys, Sells, and Dividends. Thisinformation is coming directly from your connected financial institution.

5/2024 | Mobile Website Overview Page 10 of 14 Mobile Website Overview Vault YourVault is where you can access all previously uploaded files and upload new files. To upload a file, click intoeitherthe My Private Documents or Shared Documents folder and click Upload. Personal Financial Website

5/2024 | Mobile Website Overview Page 11 of 14 Mobile Website Overview Personal Financial Website 1. Note •••Choose to upload from your Photo Library, Take Photo or Video, or Choose Files from your device.Note that taking a photo with your camera will save the image directly into the Vaultand not be stored on your device.Most common file types are supported.The individual file size limit is 30MB.

5/2024 | Mobile Website Overview Page 12 of 14 Mobile Website Overview Reports Use the Reports page for more investment and portfolio information. Click the Report Selection drop-down tosee your available reports. Personal Financial Website

5/2024 | Mobile Website Overview Page 13 of 14 Mobile Website Overview My Advisor TheMyAdvisortabshows information and any potential contact links for them.Personal Financial Website

5/2024 | Mobile Website Overview Page 14 of 14 Mobile Website Overview Settings Personal Financial Website 1.2.3. The Alerts tab allows you to turn various alerts and reminders on and off, such as when your budget exceeds acertain amount, when your insurance policy anniversary is approaching, and more. The Alerts bell icon willalso trigger notifications. Use the Security tab to set up and manage your mobile passcode, password, andsecurity questions. The Privacy tab allows you to set up and review your Spending Privacy Permissions.

Uploading Documents from YourMobile DeviceSecurely share files anytime, from anywhere.With your mobile portal, you’re not limited to viewing your financial world—you can activelymanage it. The Vault feature lets you securely upload important documents directly from yourphone or tablet, whether you're scanning receipts, uploading tax returns, or sharing estateplanning documents with our team.In this section, we’ll walk you through:How to access the Vault from your mobile browserSteps to upload files safely from your device’s photo library or file storageWhat types of documents you might want to store

5/2024 | Mobile Vault Upload This user guide will demonstrate how to upload files into your Vault from your Mobile Personal Financial Website. Page 1 of 2 Mobile Vault Upload Personal Financial Website To upload a file, click either the My Private Documents or Shared Documents folder. Click Upload and select Files. You can also create custom folders by selecting Folder. The Vault is where you can access all previously uploaded files and upload new files. Accessing your Vault issimple. Click the 3-line hamburger menu and select Vault from the drop-down. You can upload files into My Private Documents and Shared Documents. Use My Private Documents for personal items, as the contents of this folder are only viewable by you. The Shared Documents folder is where you should upload any files that will be useful for our team. Upload a File 1.

5/2024 | Mobile Vault Upload Page 2 of 2 Mobile Vault Upload Personal Financial Website 2. Note • • • Select Photo Library, Take Photo of Video, or Choose Files on your device.Note that taking a photo with your camera will save the image directly into the Vaultand not be stored on your device.Most common file types are supported.The individual file size limit is 30MB. Amessage will be displayed showing that the file has been uploaded, and a new file will appear in the list.

VAULT CHECKLISTProtect Your Important DocumentsWith unlimited secure document storage, you can organizeand protect your most important documents. Review thechecklist below and start adding to your Vault today! Tax Returns W-2 Forms Social Security Info Veteran’s Administration Info Employment Benefits Pensions, IRAs, Annuities, etc. Investment Accounts Stock Options/Certificates Wills Deeds Revocable and Irrevocable Trusts Power of Attorney Codicils (Supplements made to a Will) Living Wills/Health Directives Prenuptial Agreements Buy/Sell Agreements Contracts (Life, LTD, Disability, Medical, Car, Property) List of Credit Cards with Contact Information Mortgages Loans Adoption Papers Medical Records Marriage License Pictures Audio Files Video Clips Birth Certificates Drivers Licenses Passports Social Security Cards Titles to Homes, Autos, Boats, etc. Warranties TAXESBENEFITSLIABILITIESLEGAL DOCUMENTSINSURANCE POLICIESBANK AND INVESTMENT STATEMENTSFAMILYPROPERTYIDENTIFICATION

Save Quick Access to Your PortalAdd your financial portal to your home screen—just like an app.If you’re using your mobile browser to access your eMoney portal, creating a home screen shortcutmakes logging in fast and easy. Whether you're on an iPhone, Android, or Google Pixel, adding abookmark lets you treat your portal like an app—without needing to download anything else.In this section, you’ll find step-by-step instructions for:iPhone (Safari and Chrome)Samsung Android devicesGoogle Pixel phonesOnce set up, your financial portal will be just a tap away—ready whenever you need it.

1/2025 | Add a Mobile Bookmark for Safari on iPhoneThis user guide details how to add a mobile bookmark on your Client Portal login page from the default Safari app on your iPhone. Thisbookmark will provide quick and easy access from your device’s Home screen. Page 1 of 3 Add a Mobile Bookmark 1. Note T o find the login URL, please reference the confirmation email that you received when you initially registered for your website access or contact your Advisor . Locate andopen the Safari app on your iPhone. Note that this icon may not appear in the same location onyour phoneasit is shown here. Enter the login URL provided to you by your Advisor, then tap go.

1/2025 | Add a Mobile Bookmark for Safari on iPhonePage 2 of 3 2. Tapthe box and arrow icon at the bottom of your screen. Then tap Add to Home Screen.

1/2025 | Add a Mobile Bookmark for Safari on iPhonePage 3 of 3 3. No te : cookie settings. To check this on your device go to Settings > Safari and make sure Block All Cookies istoggled off. After updating the setting, close Safari and log back into the mobile website . If desired, you can edit the name of the bookmark. Tap Add when complete. Your mobile bookmark for yourClientPortal will now be visible on your home screen. If you are experiencing issues with the mobile website displaying properly,itmightbeduetoblocked

12/2024 | Add a Mobile Bookmark for Chrome on iPhone This user guide details how to add a mobile bookmark on your Client Portal login page from the Chrome app on your iPhone. Thisbookmark will provide quick and easy access from your device’s Home screen. Page 1 of 4 Add a Mobile Bookmark for Chrome on iPhone Client Portal Add a Mobile Bookmark 1. To successfully add a shortcut to access eMoney in Chrome on your iPhone, you will need to have theGoogle Chrome app downloaded. You can download this app from the App Store. Open the Shortcuts app – your iPhone have this app downloaded by default. Click the + icon in the top-rightwill corner to add a shortcut. Note

12/2024 | Add a Mobile Bookmark for Chrome on iPhone Page 2 of 4 Add a Mobile Bookmark for Chrome on iPhone Client Portal 2. Search Safari in the Search Actions field and then Scroll to click on Open URLs. On the next screen, tap theURL area. Enter googlechrome://and the login URL provided by your Advisor. Then, tap done in the top orbottom right corner of your screen. Note: Do not include https:// before entering the URL. The URL functions best as it is displayed above. To find the login URL, reference the confirmation email that you received when you initially registered for your website access or contact your Advisor.

12/2024 | Add a Mobile Bookmark for Chrome on iPhone Page 3 of 4 Add a Mobile Bookmark for Chrome on iPhone Client Portal 3. Click the shortcut that you just created and then click Allow to Allow “Open URLs” to open Chrome. When inChrome you can enter your login credentials or to follow the prompts to add the app to your home screen,clickthe + icon.

12/2024 | Add a Mobile Bookmark for Chrome on iPhone Page 4 of 4 Add a Mobile Bookmark for Chrome on iPhone Client Portal 4. ClickAdd to Home Screen. Then give your shortcut a name and click Add. Note: Ifyou are experiencing issues with the mobile website displaying properly, it might be due to blockedcookie settings. To check this on your device, go to Settings, Safari, and make sure Block All Cookies istoggled off. Once the setting is updated, close Safari and log back into the mobile website.

1. Locate and open the on your Android device.| Add a Mobile Bookmark on a Samsung Android browser2. Enter theAdvisor. This userguide will demonstrate how to add a mobile bookmark of your Personal Financial Website loginpage fromthe Samsung Internet on your Android device.This bookmark will provide quick and easyaccessfrom the Home screen of your device. To find the login URL, please reference the confirmation email that you received when you initially registered for your website access or contact your Advisor. provided to you by your 1EB4IB – 9CE424 Please Note:Samsung Internetlogin URL

3. Tapthe of your screen. | Add a Mobile Bookmark on a Samsung Android on the bottom right 4. Tap from the pop-up menu. 2EB4IB – 9CE424 threehorizontal bars Add page to

5. Tap| Add a Mobile Bookmark on a Samsung Android 6. When logging into your mobile website, you will be asked to set a passcode of 4 or more digits. This is entirely optional, but if you decide to utilize the passcode, any login attemptmoving forward will prompt for your passcode instead of your username and password. Lastly, tap Add. Now you can access yourPersonal Financial Website from your Homescreen! 3EB4IB – 9CE424 Please Note:Home Screen.

1. Locate and open the on your Google Pixel device.| Add a Mobile Bookmark on a Google Pixel 2. Enter theAdvisor. This user guide will demonstrate how to add a mobile bookmark of your Personal Financial Website loginpage from the Google Chrome app on your Google Pixeldevice. This bookmark will provide quick andeasy access from the Home screen of your device. To find the login URL, please reference the confirmation email that you received when you initially registered for your website access or contact your Advisor. provided to you by your 1YVN1U – 9CE424 Please Note:GoogleChrome app login URL

3. Clickthe three clickmenu. | Add a Mobile Bookmark on a Google Pixel to the right of the URL, then from the drop-down 4. If desired, you can edit the name of thebookmark. Click Add when complete.Congratulations! Your Personal FinancialWebsite is now accessible from your Homescreen. When logging into your mobile website,you will be asked to set a passcode of 4 or more digits. This is entirely optional, but if you decideto utilize the passcode, any login attemptmoving forward will prompt for your passcode instead of your username and password. 2YVN1U – 9CE424 Please Note:dotsAdd to Home screen

Troubleshooting Linked AccountsWhen things don’t sync, here’s how to get back on track.Your financial portal connects directly to your accounts to keep your data current—butoccasionally, a connection might need your attention. This could be due to security updates fromyour bank, expired login credentials, or account settings that block syncing.In this section, we’ll help you:Understand common reasons accounts stop syncingRefresh or repair your connectionsKnow when to remove and re-link an accountYour linked accounts power your financial snapshot, so resolving connection issues quickly keepsyour plan accurate and up-to-date. Don’t worry—most fixes are simple, and we’re always here ifyou need support.Identify when it’s time to contact us for help

4/2024 | Troubleshooting Accounts This User Guide details how to repair any of your connected accounts with errors. Page 1 of 3 Troubleshooting Accounts Personal Financial Website You canalso troubleshoot a connection error from your Accounts page by clicking the Repair button in the redbannerwithin your connection. Different errors will provide different steps to resolve the issue. When a connection is in an error state, an Attention Needed card will appear on your Home page. Click Repair toview instructions on how to resolve the error. Unless noted by the institution, values should update nightly, but errors can occur from time to time for differentreasons. To keep your website up to date, we recommend logging in regularly to maintain all connections. Troubleshooting and Help - Repair

4/2024 | Troubleshooting Accounts Page 2 of 3 Troubleshooting Accounts Personal Financial Website Need Help With Connections? Clicking the Need Help With Connections? button at the top of the Accounts page will open the ConnectingAccounts Help Interactive User Guide. The lessons in that guide cover connecting and managing your accounts,FAQ, and troubleshooting the different error types. Help Me Troubleshoot This Error When you click the Repair button on a connection, a pop-up window appears with steps to resolve the issue.Click Help Me Troubleshoot This Error at the bottom of the window to launch the Connecting Accounts Help guide and see the section specific to the error you are experiencing.

4/2024 | Troubleshooting Accounts Page 3 of 3 Troubleshooting Accounts 2) 1) Refresh: Get the most recent account values Use this action when the account values show as out of date. This will attempt to Refresh the connection and findthe most recent account values at the institution. 3) Delete: Permanently remove this connection Clicking this will prompt you to Delete this connection and all its accounts. Deleting a connection will delete allaccount history and spending transactions. Only delete the connection if it is no longer needed. 4) Advisor Permissions: Allow your Advisor to Find New accounts for you As a default, Advisors are not able to Find New accounts on your behalf because the Find New button is hiddenfrom their view. Use Advisor Permissions to allow your Advisor to Find New accounts for this connection, on yourbehalf. 5) View Connection Details: View the Name, URL, and Type of Connection Clicking this option will display a pop-up with additional details about the connection.Find New: Search the institution for new or additional accountsPersonal Financial Website Using the Actions Dropdown The Actions dropdown is available on every connection and helps you to manage the connection and resolveerrors. Find New is only visible to you unless the Advisor Permission is set to Yes (see #4). Selecting Find New will searchthe institution for any accounts that have not yet been linked through the connection.

Forgot Your Password?It happens—here’s how to reset it quickly and securely.If you’ve forgotten your eMoney Client Portal password, don’t worry. Resetting your password isquick and secure, and you can be back into your portal in just a few minutes.In this section, we’ll walk you through:How to request a password reset emailCreating a new, secure passwordTips for storing your login details safelyYour financial security is our top priority, so every password reset request goes through secureverification steps to protect your information.If you need help beyond this guide, our team is always here to assist.

63VA3 – 04/2024 | Forgot Your Password? This user guide will walk you through the steps to reset the password to your Personal Financial Website. Page 1 of 4 Forgot Your Password? Personal Financial Website Reset Your Password 1.2. Click Forgot Password? on the password screen. EnteryourUsernameontheinitial login screen and click Next. Note It is important to note that after three failed attempts to log in, the system will automatically lock your account for ten minutes as a security measure. After the ten minutes, follow the steps below to reset your password.

63VA3 - 04/2024 | Forgot Your Password? Page 2 of 4 Forgot Your Password? Personal Financial Website 3. 4. Answer your security question, then click Continue.Enter your account's username and email address, then click Continue. Note These security questions and answers were set up when you signed into your Personal Financial Website for the first time, or you may have reset them in your Settings.

63VA3 - 04/2024 | Forgot Your Password? Page 3 of 4 Forgot Your Password? Personal Financial Website 5. 6. Navigate to your inbox and locate the Reset Your Password email. Click Reset Password.Upon successfully verifying your identity, the system will email you a link to reset your password. Note This email will come from notification@emoneyadvisor.com. If you cannot find the email, please check your spam and junk folders.

63VA3 - 04/2024 | Forgot Your Password? Page 4 of 4 Forgot Your Password? Personal Financial Website 7. Note Contact your financial representative if you still need help after trying these steps. You will be taken to a new tab in your browser and prompted to set your new password. Once all password requirements are checked in green, click Continue to be taken to your Personal Financial Website home page.