Incentives

Last Modified: September 2, 2025

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Monorail, Inc., a Delaware Corporation (“Monorail” or the “Company”), is a registered investment advisor and provides services collectively referred to as the “Services”. Before using or referring Clients to the Services offered by Monorail and its subsidiaries and affiliates, it is important to carefully read these terms and this agreement (“Agreement”).

Referral Bonus & SignUp Bonus

The Company agrees to pay a Referral Fee of $20 U.S. Dollars (the “Referral Bonus”) for each client (“Client”) who:

1. Registers for the Services due to the Referrer’s efforts (“Registration”), and
2. Maintains an account in good standing, fulfilling the conditions of the SignUp bonus program.

Referral Bonuses are payable to the Referrer 10 days after the referred Client fulfills the sign-up bonus conditions and receives their bonus. However, if a Client cancels their registration within thirty (30) days of initial registration or within the SignUp program required period, no Referral Bonus will be due.

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New Clients will also earn a SignUp bonus if they:

1. Open a Monorail account.
2. To qualify, you must both open a Monorail account and invest at least $100 into a Patriot Portfolio™ account within 30 days of signing up. Any type of Patriot Portfolio™ account qualifies, including Investing and IRA Retirement accounts. Stock trading accounts do not qualify, and deposits to these accounts will not be counted in the bonus value calculation.
3. Keep at least the qualifying deposit amount in your Monorail account for 90 days.
4. Receive the reward amount based on the level of your deposit, defined in the promotion conditions herein.
5. The reward amount will be deposited in the portfolio's cash balance and can be withdrawn no sooner than 6 months. The reward amount can be invested in any product available in the Monorail app.
6. To stay eligible for the bonus, you must keep your Monorail account active and subscribed for the full 90-day bonus period. If you cancel your subscription before the period ends, you will no longer receive the bonus. You can still withdraw your funds at any time, but the bonus will be forfeited.

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SignUp bonus amount calculation:

• 5% Bonus for your first deposit of $100 – $999
• $50 Bonus for your first deposit of $1,000 – $4,999
• $150 Bonus for your first deposit of $5,000 – $19,999
• $300 Bonus for your first deposit of $20,000 – $49,999
• $600 Bonus for your first deposit of $50,000 – $100,000
• $1,000 Bonus on first deposits of $100,000 and up

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Both Bonus and SignUp Bonus programs are limited-time offers. The Referral Bonus is applied once Registration is complete, conditions are fulfilled, and the SignUp bonus is paid to the referred Client.

Referrals

The Referrer:

• Shall perform duties consistent with the instructions of the Company and the Investment Advisers Act of 1940, as amended (the “Act”).
• Shall communicate regularly with the Company regarding any progress made in obtaining Referrals.
• Is acknowledged by the Client as having entered into an agreement with the Company, where a fee is paid for enrolling Clients in the Company’s services.
• Is not an employee or otherwise affiliated with the Company.

Representations and Warranties

Both the Referrer and the Company make specific representations and warranties concerning their eligibility, legal status, and authority to enter and perform obligations under this Agreement.

Limitation of Warranties

EXCEPT AS SPECIFICALLY SET FORTH IN THIS AGREEMENT, THE COMPANY DISCLAIMS ALL WARRANTIES AND REPRESENTATIONS, WHETHER EXPRESS, IMPLIED, OR STATUTORY, TO THE EXTENT PERMITTED BY LAW.

Indemnification

Each party shall indemnify, defend, and hold harmless the other from any liabilities, losses, expenses, damages, and costs incurred relating to the breach of this Agreement.

Confidentiality

Confidential Information must be handled with care, disclosed only internally on a need-to-know basis, and not used for any purpose outside the terms of this Agreement.

Termination

This Agreement can be terminated by either party at any time, with or without cause, and with or without notice.

Governing Law and Arbitration

This Agreement shall be governed by the laws of the State of Florida and any disputes shall be resolved through arbitration administered by the American Arbitration Association.

Notifications and Communications

Communications may be conducted via email, telephone, or postal services, with the Company disclaiming any liability for failures associated with maintaining accurate contact information.

Integration and Severability

This Agreement is the entire agreement between the Referrer and the Company concerning Referrals, superseding all prior communications. Any unenforceable or invalid provisions will be modified to reflect the parties’ intention.