Client Relationship Summary

February 28, 2024

Introduction

TAPP Engine Securities, LLC is registered with the Securities and Exchange Commission (SEC) as a broker-dealer and is a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC). Tapp Engine Advisors LLC is our affiliated SEC Registered Investment Advsor. Brokerage and investment advisory services and fees differ, and it is important that you understand the differences. This document gives you a summary of the types of services and fees we offer. We only offer brokerage services and do not provide ongoing monitoring of client accounts.

Please visit www.investor.gov/CRS for free, simple tools to research firms and financial professionals, as well as educational materials about broker-dealers, investment advisers, and investing. A broker dealer is defined as a firm that acts as an intermediary between buyers and sellers of securities for which they will usually receive a commission and may purchase or sell those securities in/out of their own account. An investment advisor is generally any person or group that provides investment advice or conducts securities analysis in exchange for a fee.

Relationships and Services

What investment services and advice can you provide me?

TAPP Engine Securities, LLC. is a provider of an app-based brokerage business for financial intermediaries to offer commission-free trading to their customers/members. We allow our partners to offer to their customers/members only the ability to trade stocks (including Exchange-Traded Funds (ETF)s) and Options. We do not offer any proprietary products.

All customers’ accounts are self-directed. TAPP Engine Securities does not make investment recommendations to customers. Our services involve effecting securities transactions for investors exclusively online. We buy and sell securities only at your direction and we do not offer recommendations of securities, strategies involving securities or securities accounts to you. We do not monitor your account or individual investments, unless we state otherwise in writing. We do not have any account minimums. We offer access to investment tools and education to help you make investment decisions, but this information is for informational and educational purposes only. All transactions are commission free. We will deliver electronic confirmations of each trade executed in your account. Account statements will be delivered to you no less than quarterly, in electronic format.

TAPP Engine Securities is an introducing broker-dealer. Your funds and securities will be custodied by Velocity Clearing, LLC. TAPP Engine Securities, LLC does not provide recommendations or advice on investments, portfolios, or account types. Additional information on our services can be found at https://www.tappengine.com.

Conversation Starter: Given my financial situation, should I choose a brokerage service? Why or why not? How will you choose an investment to recommend? What is your relevant experience, including your licenses, education, and other qualifications? What do these qualifications mean?

Fees, Costs, Conflicts, and Standard of Conduct

Conversation Starter: Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?

What fees will I pay?

You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.

There are no transaction fees such as commissions for brokerage services. Our Broker Dealer makes its money from monthly account fees, overnight balances of customer funds held at its qualified custodian bank, payments from market centers for directing to them order flow as instructed by us or Velocity Clearing, and margin charged to your account when funds are lent to you to trade.

Other fees and costs are applicable to your brokerage account or accounts. These fees may include account maintenance fees, account inactivity fees and similar types of account fees. These fees are charged by our clearing firm. For more information on fees you may pay, please visit our website at https://www.tappengine.com.

What are your legal obligations to me when providing recommendations? How else does your firm make money and what conflicts of interest do you have?

We do not provide recommendations as your broker-dealer. At the same time, the way we make money creates some conflicts with your interest. You should understand and ask us about these conflicts because they can affect the services we provide you. Here are some examples to help you understand what this means. their return may also be based on the firm’s overall profitability.

Conversation Starter How might your conflicts of interest affect me, and how will you address them?

Example of ways we make money and conflicts of interest:

As noted above, one of the ways we make money from payments from market centers for directing to them – through our instruction or the instruction of our clearing firm and executing broker, Velocity Clearing – your order flow. This structure enables us to offer you commission-free trading in your account. The more actively you trade the more money we make.

Payment for order flow has been described as a conflict of interest for various reasons. Orders that are executable may not get executed as they may be routed to market makers that do not have the highest liquidity. In addition, the quality of the prices on market or limit orders may be diminished due to the orders being routed to a particular market maker rather than the venue with the best execution price. Additional information can be found at https://www.tappengine.com.

How do your financial professionals make money? TAPP Engine Securities’ financial professionals are compensated by salary and discretionary bonus. Certain financial professionals are also owners in TAPP Engine Securities.

Disciplinary History

Conversation Starter As a financial professional, do you have any disciplinary history? For what type of conduct?

Do you or your financial professionals have legal or disciplinary history? Yes. Visit https://www.investor.gov/ for a free, simple search tool to research us and our financial professionals.

Additional Information

Conversation Starter: Who is my primary contact person? Is he or she a representative of an investment adviser or a broker-dealer? Who can I talk to if I have concerns about how this person is treating me?

For additional information on our brokerage service:

https://files.brokercheck.finra.org/firm/firm_314806.pdf. You can always ask us for more information and request a copy of this relationship summary by sending us an email at [email protected] or 617.221.6545. You may also access a copy of the Form CRS here: https://tappengine.com/disclosure-library.

Brokerage, and Clearing services are offered through TAPP Clear, LLC. dba Velocity clearing, LLC., registered with the Securities and Exchange Commission (SEC) and a member of FINRA and SIPC which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or atwww.sipc.org. Additional information about your broker can be found by clicking here.

Digital Investment/Robo Advisor is offered through TAPP Engine Advisor, LLC. TAPP Engine Advisors, LLC is an investment adviser is registered with the Securities and Exchange Commission (SEC). Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. TAPP Engine Advisors, LLC only transacts business in states in which it is properly registered or is excluded or exempted from registration. A copy of TAPP Engine Advisors, LLC ’s current written disclosure brochure filed with the SEC which discusses among other things, TAPP Engine Advisors, LLC’s business practices, services and fees, is available through the SEC’s website at: www.adviserinfo.sec.gov.

Digital Banking solution is offered through WealthCabinet® Digital Banking Solutions, a wholly owned subsidiary of TAPP Engine, Inc. WealthCabinet® is not a member of the Federal Deposit Insurance Corporation. Banking services and Branded Debit Card will be provided by FDIC-member Bank partners. Debit Card services are provided by Bank partners in pursuant to license by Mastercard International Incorporated and may be used everywhere Mastercard debit cards are accepted.

Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance, historical returns, future projections, and statistical forecasts are no guarantee of future returns or future performance. The company reserves the right to monitor and retain all incoming and outgoing communications as permitted by applicable law. Nothing provided on this site constitutes tax advice. Individuals should seek the advice of their own tax advisor for specific information regarding tax consequences of investments.

This property and any marketing on the property are provided by TAPP Engine, Inc. Google Play and the Google Play logo are trademarks of Google, Inc. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S. Any links provided to other websites are offered as a matter of convenience and are not intended to imply that TAPP Engine or its authors endorse, sponsor, promote, and/or are affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated otherwise.

This website is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, nor does it constitute an offer to provide investment advisory or other services by the TAPP Engine, Inc. or many of its affiliates, subsidiaries, officers, directors or employees. Nothing in this website shall be considered a solicitation or offer to buy or sell any security, future, option or other financial instrument or to offer or provide any investment advice or service to any person in any jurisdiction. Nothing contained in this website constitutes investment advice or offers any opinion with respect to the suitability of any security, and the information set forth on this website should not be taken as advice to buy, sell or hold any security. In preparing the information contained in this website, we have not considered the investment needs, objectives and financial circumstances of any particular investor or issuer. This information has no regard to the specific investment objectives, financial situation and particular needs of any specific recipient of this information. All information is subject to possible correction. Information may quickly become unreliable for various reasons, including changes in market conditions or economic circumstances.

@2022 TAPP Engine, Inc. All rights reserved.