Monaeo vs Opco Client Access mobile app

**This is a companion app for those travelers who utilize Monaeo's broader residency / tax compliance platform built for individuals (Personal Edition) and companies (Enterprise Edition).** Manage travel-related tax exposures and defend against audits with Monaeo’s technology solutions. Monaeo’s platform helps companies and individuals analyze their travel data (for e.g., from this companion app, travel booking, credit card transactions, etc.) to better manage and prove multi-location tax exposures including: Statutory Residency, Domicile Change, Payroll Withholding, Nexus/Permanent Establishment, Corporate Income Allocation, among others. This *companion app* can help Monaeo subscribers automatically track and review the number of days they spend in different locations for personal or work purposes. If you are a business traveler you should check with your HR/Mobility team whether you are approved to use this app as part of Monaeo’s Enterprise Edition. If you are a Personal Edition subscriber, this app can help make for a stronger audit defense. Monaeo’s customers include thousands of wealthy individuals and over 50 global enterprise clients across the technology, software, media, transportation, and financial services sectors. HOW THE MONAEO APP WORKS Monaeo’s companion app can enhance the experience by providing an easy way for travelers to automatically log their trips on the mobile device of their choice (phone, tablet or laptop). The app can run in the background to help you effortlessly and securely track the number of days spent in different tax jurisdictions. This travel data is then encrypted and sent securely to our servers where Monaeo’s proprietary computation engines generate the relevant reports, alerts, data feeds, and calculations you need for confident compliance and audit defense. KEY BENEFITS OF THE APP * Convenience: Automated travel logging. Search trips and travel in the calendar. * Visibility: Early alerts help you plan travel to avoid unnecessary exposures or penalties * Reliability: Audit-tested reports with hard data help protect you in case of an audit PROTECTING YOUR PRIVACY Monaeo has carefully designed every part of the platform including this app to ensure the highest levels of individual privacy and security: * You own your data in Monaeo and control access to it * This app only accesses information absolutely needed for compliance * All app data is encrypted before being sent to our servers and remains encrypted in storage SYSTEM REQUIREMENTS * Available on iPhone, iPad, iPad Mini, and iPod * OS 10.3 and above Note: continued use of GPS running in the background may dramatically decrease battery life. Having trouble logging in? You can reach our support team at support@monaeo.com

Access your Oppenheimer & Co. Inc. account information whenever and wherever you are with the Opco Client Access mobile app. Current users of our Client Access website (https://www.opco.com/ClientAccess) that have completed the identity verification process can start using the app immediately. Users that do not have a User Name to access Client Access should contact their Financial Advisor for assistance. You will need to complete the identity verification process on the desktop Client Access site first before you can use the Opco Mobile app. MY ACCOUNTS Summary of all your accounts Holdings in your account Balances data for your account Recent activity in your account Realized Gain/Loss data for your account Access to account statements, confirms and other documents RESEARCH Latest published research Research by symbol Research advanced search Market Commentary Analyst BIOS Televised Commentary MY PROFILE Edit User Name Edit email address Change password Show/hide accounts Edit account nicknames Update eDelivery settings CONTACT US Contact your Financial Advisor Branch locator International offices Client help desk There is no fee charged to you by Oppenheimer for your use of the Mobile App. This Mobile App is intended to be used as a complement to your existing Oppenheimer Online Account. However, your wireless service provider (including any roaming wireless service provider and any Wifi Hotspots), internet service provider or telecommunications provider may impose fees or charges to you for the transmission or receipt of Mobile Communications through your usage of the Mobile App. You acknowledge and agree that you are solely responsible for any such charges. Such fees are irrespective of any fees that apply to any Oppenheimer services that may be accessible through the Mobile App. All such fees for Oppenheimer services shall continue to apply to you and you will continue to be responsible for the payment of such fees. https://www.opco.com/SocialMediaDisclosures/