Wealthscape℠ vs Ledgium

For Brokers and Advisors with access to Wealthscape℠ from Fidelity Investments®, Member NYSE, SIPC. The Wealthscape℠ mobile app is available for the iPhone® and iPad®. With an enhanced user experience, you can access critical brokerage information in a mobile environment, improve responsiveness to your clients and manage your practice more efficiently with many of the features you’ve come to rely on from the Wealthscape platform. Best of all, it’s portable, it’s secure, and it’s easy. The Wealthscape℠ app offers: Advanced Security -Employs Fidelity’s cyber security experience and policies -Supports biometric login (face and fingerprint scan) -Supports two-factor authentication Easy access to account information and features -Make a mobile check deposit into one or more eligible accounts -View positions and balances within each account -View account level balance over time -View account level asset allocation graphic -View account restriction indicator -View activity, including pending transactions, history and order status -Access client contact information (phone, email and address) -View client summary, positions, and history information -View market information and news -Submit equity/ETF orders -View beneficiary information Privacy Policy -View the privacy policy here: https://clearingcustody.fidelity.com/fi-privacy-policy Screenshots are for illustrative purposes only. For investment professional use only. Not for distribution to the public as sales material in any form. Unless otherwise expressly disclosed to you in writing, the information provided in this material is for educational purposes only. Any viewpoints expressed by Fidelity are not intended to be used as a primary basis for your investment decisions and are based on facts and circumstances at the point in time they are made and are not particular to you. Accordingly, nothing in this material constitutes impartial investment advice or advice in a fiduciary capacity, as defined or under the Employee Retirement Income Security Act of 1974 or the Internal Revenue Code of 1986, both as amended. Fidelity and its representatives may have a conflict of interest in the products or services mentioned in this material because they have a financial interest in the products or services and may receive compensation, directly or indirectly, in connection with the management, distribution, and/or servicing of these products or services, including Fidelity funds, certain third-party funds and products, and certain investment services. Before making any investment decisions, you should take into account all of the particular facts and circumstances of your or your client’s individual situation and reach out to an investment professional, if applicable. WealthscapeSM is an on-line brokerage portal offered by Fidelity Brokerage Services LLC ('FBS') and National Financial Services LLC ('NFS'). The third parties referenced herein are independent companies and are not affiliated with Fidelity Investments®. Listing them does not suggest a recommendation or endorsement by Fidelity Investments®. Fidelity Investments® provides clearing, custody, or other brokerage services through National Financial Services LLC or Fidelity Brokerage Services LLC, Members NYSE, SIPC. © 2026 FMR LLC. All rights reserved. 1109349.3.0

Ledgium is a paycheck planner, not a monthly budget. It answers one question at a glance: how much can I spend until my next paycheck? Split every paycheck by percentage into buckets: Bills, Essentials, Guilt Free, and Invest / Save to start. Recurring bills are assigned to the paycheck that lands before they're due, so you always know which paycheck covers what. Whatever your bills don't need becomes surplus and rolls where you choose. No account. No bank sync. Your data stays on your devices and iCloud. Plan each paycheck • Guilt free money left until payday, or for the whole month, and what that is per day • Split each paycheck with sliders, or type a dollar amount and the percent follows • Paid weekly, every two weeks, monthly, on two or more days a month, or daily on the days you work, with a split for each paycheck • Bills assigned to the right paycheck automatically, or to the one you pick • A bill can come out on payday instead of its due date • Surplus rolls into guilt free, savings, a bucket you add, or the next paycheck • Buckets in your own colors and order • A savings goal: name it, like "Trip to Italy", set a target, and every payday adds its share. Pause it anytime. • A payday alert the morning each paycheck lands Track spending • Log an expense, refund, or income in seconds • Log purchases with Siri, or automatically each time you pay with Apple Pay (a one-time setup in the Shortcuts app) • Spending limits for any category, like $400 a month on groceries, with a heads-up when you get close • A monthly recap: bills paid, what was left over, and what you saved • Spending by day and by category, with search by month, dates, or bucket • A calendar of bills, paydays, and income by week, two weeks, or month • Mark a bill paid, or skip one • Other income, like a side job, split like a paycheck or sent to one bucket Private by design • No sign-up and no bank connection • Syncs through your own iCloud account • Optional Face ID lock • Any currency: dollars, euros, pounds, pesos, yen, and more • In English and Spanish • Import your bills from a spreadsheet (CSV) Ledgium Pro • Share your budget with a partner: you both see and change the same budget on your own iPhones, and they get every Pro feature in it without buying Pro • After bills: what stays in your account once a paycheck pays its bills and your credit cards • Months ahead: each of the next six months' income, bills, and surplus, planned • What if: try a raise, a new bill, or a move, and see each paycheck change before you save anything • More than one savings goal • Trends: three months to a year by bucket, and how fixed costs creep • Bill reminders, and a warning when guilt free runs low • Card bills: card purchases gather into a monthly bill that counts down as you pay it, with its due date on the calendar • What you owe on every card, and what's due next • Debts with your progress and an estimated payoff date • Widgets for your Home Screen and Lock Screen: guilt free money left, your next bills, any bucket or savings goal, and your spending limits • Guilt free money left in Control Center, on your Lock Screen, or on the Action button (iOS 18 or later) • Apple Watch: guilt free money left and the days until payday, on your watch face • Unlimited buckets and more than one pay schedule • Custom paydays: pick every payday of the year • Card guide and shared expenses • CSV export Pro comes monthly or yearly, each starting with a 7-day free trial, or as a one-time lifetime purchase. Payment is charged to your Apple Account. Subscriptions renew automatically unless you cancel at least 24 hours before the current period ends. Manage or cancel in Settings › Apple Account › Subscriptions. Privacy Policy: https://ledgium.app/privacy/ Terms of Service: https://ledgium.app/terms/