Effective Date: 2024

This Client Agreement (“Agreement”) is made between SUN HARBOR ADVISORS LLC (“Company”, “we”, “our”, “us”) and the client (“Client”, “you”, “your”). This Agreement outlines the terms and conditions under which we provide investment advisory services to you. By signing this Agreement, you agree to comply with and be bound by the following terms.

1. Services Provided

SUN HARBOR ADVISORS LLC offers a range of investment advisory services tailored to meet your financial goals and needs. These services may include:

• Portfolio Management: Managing investment portfolios on a discretionary or non-discretionary basis.
• Financial Planning: Providing advice on various financial aspects such as retirement planning, tax strategies, and estate planning.
• Investment Advice: Offering guidance on asset allocation, investment selection, and risk management.

2. Scope of Authority

2.1 Discretionary Authority

If you grant us discretionary authority, SUN HARBOR ADVISORS LLC will have the authority to make investment decisions and execute transactions on your behalf without prior consultation. This authority includes the ability to buy, sell, or otherwise trade securities and other investment instruments in your account.

2.2 Non-Discretionary Authority

If you do not grant us discretionary authority, SUN HARBOR ADVISORS LLC will provide advice and recommendations, but you will make the final decision on all transactions. We will only execute transactions with your prior approval.

3. Client Responsibilities

You agree to provide accurate and complete information about your financial situation, investment objectives, and risk tolerance, and to promptly inform us of any significant changes. You are responsible for:

• Accurate Information: Providing truthful and complete information necessary for us to deliver our services effectively.
• Timely Updates: Notifying us of any changes to your financial situation, investment objectives, or risk tolerance.
• Reviewing Reports: Regularly reviewing statements, reports, and communications from us regarding your investments and promptly reporting any discrepancies.

4. Fees and Compensation

4.1 Fee Structure

The fees for our services will be detailed in a separate fee schedule provided to you. These fees may include:

• Management Fees: Based on a percentage of assets under management, typically billed quarterly in arrears.
• Performance Fees: A fee based on the performance of your portfolio, subject to applicable regulations.
• Fixed Fees: A flat fee for specific advisory services.
• Transaction Fees: Fees associated with executing transactions on your behalf.

4.2 Payment Terms

Fees are generally deducted directly from your account unless otherwise agreed upon. You agree to ensure sufficient funds are available in your account to cover our fees. Any changes to our fee structure will be communicated to you in advance.

5. Investment Risks

All investments carry risks, including the potential loss of principal. SUN HARBOR ADVISORS LLC does not guarantee the success or profitability of any investment strategy. You acknowledge that you understand these risks and that you are willing to bear them. Investment decisions are made based on the information available to us at the time and are subject to market and economic conditions.

6. Confidentiality

We are committed to maintaining the confidentiality, integrity, and security of your personal and financial information. We will not disclose your information to third parties without your consent, except as required by law or as necessary to provide our services. Please refer to our Privacy Policy for more details.

7. Conflicts of Interest

SUN HARBOR ADVISORS LLC will disclose any material conflicts of interest that could reasonably be expected to impair our ability to provide objective advice. We will act in your best interest and take steps to mitigate or manage any conflicts of interest that arise.

8. Termination of Agreement

8.1 Termination by Client

You may terminate this Agreement at any time by providing written notice to us. Upon termination, our discretionary authority will cease, and we will no longer provide advisory services. You will be responsible for any fees due up to the date of termination.

8.2 Termination by Company

We reserve the right to terminate this Agreement at any time by providing you with written notice. Reasons for termination may include, but are not limited to, failure to pay fees, providing false or misleading information, or violating the terms of this Agreement.

9. Limitation of Liability

To the fullest extent permitted by law, SUN HARBOR ADVISORS LLC shall not be liable for any loss, damages, or expenses arising out of any act or omission in the performance of our services under this Agreement, except to the extent that such loss, damage, or expense is the result of our gross negligence or willful misconduct.

10. Governing Law and Dispute Resolution

This Agreement shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any disputes arising out of or related to this Agreement shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, conducted in Punta Gorda, FL.

11. Entire Agreement

This Agreement, together with the attached fee schedule and any other documents incorporated by reference, constitutes the entire agreement between you and SUN HARBOR ADVISORS LLC regarding the provision of investment advisory services. It supersedes any prior agreements or understandings, whether written or oral.

12. Amendments

We may amend this Agreement by providing you with written notice of the proposed changes. Your continued use of our services following notice of such changes constitutes your acceptance of the amended terms.

13. Contact Information

If you have any questions about this Agreement or our services, please contact us at:

SUN HARBOR ADVISORS LLC

560 Belvedere Court
Punta Gorda, FL 33950
Email: contact@sunharboradvisory.com
Phone: (941) 479-1267
(941) 357-7693