Common use of ACH Agreement Clause in Contracts

ACH Agreement. If I request Automated Clearinghouse (“ACH”) transactions from my Account at Clearing Firm, I authorize Clearing Firm to originate or facilitate transfer credits/debits to/from my eligible bank account. Transactions sent through the NACHA network will be subject to all applicable rules of NACHA and all rules set forth in Federal Reserve Operating circulars or other applicable laws and regulations. ACH deposits to my brokerage account are provisional. If the beneficiary bank does not receive final and complete payment for a payment order transferred through ACH, the beneficiary bank is entitled to recover from the beneficiary any provisional credit and Clearing Firm may charge my account for the transaction amount. I understand Clearing Firm or my Broker may not notify me of any returned or rejected ACH transfers. I agree to hold Clearing Firm and Clearing Firm’s agents free of liability for compliance with these instructions. I hereby agree to hold harmless Clearing Firm and each of its affiliates, offices, directors, employees, and agents against, any claims, judgments, expenses, liabilities or costs of defense or settlement relating to: (a) any refusal or failure to initiate or honor any credit or debit request, by Clearing Firm or my Broker, whether (i) due to a lack of funds necessary to credit my account; (ii) due to inadvertence, error caused by similarity of account holder names or (iii) otherwise provided Clearing Firm has not acted in bad faith; (b) if the routing number is incorrect or the routing number or other information changes at another U.S. financial institution or (c) any loss, damage, liability or claim arising, directly or indirectly, from any error, delay or failure which is caused by circumstances beyond Clearing Firm’s direct control. To the extent permitted by applicable law or regulation, Clearing Firm hereby disclaims all warranties, express or implied, and in no event shall Clearing Firm be liable for any special indirect, incidental, or consequential damages whatsoever resulting from the ACH electronic service or any ACH transactions. Nothing in this herein shall constitute a commitment or undertaking by Clearing Firm or my Broker to effect any ACH transaction or otherwise act upon my instructions or those of my Broker with respect to any account at Clearing Firm. This authorization shall remain in full force and effect until I revoke authorization by written notification to my Broker that is forwarded to Clearing Firm. I understand that Clearing Firm has the right to terminate or suspend the ACH agreement at any time and without notice. PRIVACY POLICY Apex Clearing Corporation (“Apex”) carries your account as a clearing broker by arrangement with your broker-dealer or registered investment advisor as Apex’s introducing client. At Apex, we understand that privacy is an important issue for customers of our introducing firms. It is our policy to respect the privacy of all accounts that we maintain as clearing broker and to protect the security and confidentiality of non-public personal information relating to those accounts. Please note that this policy generally applies to former customers of Apex as well as current customers.

ACH Agreement. If I request Customer requests Automated Clearinghouse (“ACH”) transactions from my Customer’s Account at Clearing FirmApex, I authorize Clearing Firm Customer authorizes Apex to originate or facilitate transfer credits/debits to/from my Customer’s eligible bank account. Transactions sent through the NACHA network will be subject to all applicable rules of NACHA and all rules set forth in Federal Reserve Operating circulars or other applicable laws and regulations. ACH deposits to my Customer’s brokerage account are provisional. If the beneficiary bank does not receive final and complete payment for a payment order transferred through ACH, the beneficiary bank is entitled to recover from the beneficiary any provisional credit and Clearing Firm Apex may charge my Customer’s account for the transaction amount. I understand Clearing Firm Customer understands Apex or my Broker Customer’s Advisor may not notify me Customer of any returned or rejected ACH transfers. I agree Customer agrees to hold Clearing Firm Apex and Clearing FirmApex’s agents free of liability for compliance with these instructions. I Customer hereby agree agrees to hold harmless Clearing Firm Apex and each of its affiliates, offices, directors, employees, and agents against, any claims, judgments, expenses, liabilities or costs of defense or settlement relating to: (a) any refusal or failure to initiate or honor any credit or debit request, by Clearing Firm Apex or my BrokerAdvisor, whether (i) due to a lack of funds necessary to credit my Customer’s account; (ii) due to inadvertence, error caused by similarity of account holder names or (iii) otherwise provided Clearing Firm Apex has not acted in bad faith; (b) if the routing number is incorrect or the routing number or other information changes at another U.S. financial institution or (c) any loss, damage, liability or claim arising, directly or indirectly, from any error, delay or failure which is caused by circumstances beyond Clearing FirmApex’s direct control. To the extent permitted by applicable law or regulation, Clearing Firm Apex hereby disclaims all warranties, express or implied, and in no event shall Clearing Firm Apex be liable for any special indirect, incidental, or consequential damages whatsoever resulting from the ACH electronic service or any ACH transactions. Nothing in this herein shall constitute a commitment or undertaking by Clearing Firm Apex or my Broker Advisor to effect any ACH transaction or otherwise act upon my the instructions of Customer or those of my Broker Advisor with respect to any account at Clearing FirmApex. This authorization shall remain in full force and effect until I revoke Customer revokes authorization by written notification to my Broker Advisor that is forwarded to Clearing FirmApex. I understand Customer understands that Clearing Firm Apex has the right to terminate or suspend the ACH agreement at any time and without notice. PRIVACY POLICY Apex Clearing Corporation (“Apex”) carries your account as a clearing broker by arrangement with your broker-dealer or registered investment advisor as Apex’s introducing client. At Apex, we understand that privacy is an important issue for customers of our introducing firms. It is our policy to respect the privacy of all accounts that we maintain as clearing broker and to protect the security and confidentiality of non-public personal information relating to those accounts. Please note that this policy generally applies to former customers of Apex as well as current customers.

ACH Agreement. If I request Automated Clearinghouse (“ACH”) transactions from my Firstrade Account at Apex Clearing FirmCorporation, I authorize Clearing Firm Apex to originate or facilitate transfer credits/debits to/from my eligible bank account. Transactions sent through the NACHA network will be subject to all applicable rules of NACHA and all rules set forth in Federal Reserve Operating circulars or other applicable laws and regulations. ACH deposits to my brokerage Firstrade account are provisional. If the beneficiary bank does not receive final and complete payment for a payment order transferred through ACH, the beneficiary bank is entitled to recover from the beneficiary any provisional credit and Clearing Firm Apex or Firstrade may charge my account for the transaction amount. I understand Clearing Firm Apex or my Broker Firstrade may not notify me of any returned or rejected ACH transfers. I agree to hold Clearing Firm Firstrade, Apex and Clearing FirmApex’s agents free of liability for compliance with these instructions. I hereby agree to hold harmless Clearing Firm Firstrade, Apex and each of its affiliates, offices, directors, employees, and agents against, any claims, judgments, expenses, liabilities or costs of defense or settlement relating to: (a) any refusal or failure to initiate or honor any credit or debit request, by Clearing Firm Apex or my BrokerFirstrade, whether (i) due to a lack of funds necessary to credit my account; (ii) due to inadvertence, error caused by similarity of account holder names or (iii) otherwise provided Clearing Firm Apex or Firstrade has not acted in bad faith; (b) if the routing number is incorrect or the routing number or other information changes at another U.S. financial institution or (c) any loss, damage, liability or claim arising, directly or indirectly, from any error, delay or failure which is caused by circumstances beyond Clearing FirmApex or Firstrade’s direct control. To the extent permitted by applicable law or regulation, Clearing Firm Apex and Firstrade hereby disclaims all warranties, express or implied, and in no event shall Clearing Firm Apex or Firstrade be liable for any special indirect, incidental, or consequential damages whatsoever resulting from the ACH electronic service or any ACH transactions. Nothing in this herein shall constitute a commitment or undertaking by Clearing Firm Apex or my Broker Firstrade to effect any ACH transaction or otherwise act upon my instructions or those of my Broker Firstrade with respect to any account at Clearing FirmApex. This authorization shall remain in full force and effect until I revoke authorization by written notification to my Broker Firstrade that is forwarded to Clearing FirmApex. I understand that Clearing Firm Apex and Firstrade has the right to terminate or suspend the ACH agreement at any time and without notice. PRIVACY POLICY Apex Clearing Corporation (“Apex”) carries your account Self‐directed Trading Account Risk Disclosure All Firstrade Accounts are self‐directed. Customers are solely responsible for any and all orders placed in their Accounts and understand that all orders entered by them are unsolicited and based on their own investment decisions or the investment decisions of their duly authorized representative or agent. Consequently, any customer of Firstrade agrees that neither Firstrade nor any of its employees, agents, principals or representatives: • solicit orders; • recommend any security, transaction orders; • provide investment advice in relation with Firstrade account; • make discretionary trades; • produce or provide research; • act as a clearing broker by arrangement with your broker-dealer market maker in any security; The research materials that are available through xxx.xxxxxxxxx.xxx are intended for informational and educational purposes only. They do not constitute a recommendation to place an order or registered engage in any investment advisor as Apex’s introducing clientstrategies. At Apex, we understand that privacy All securities trading is an important issue for customers speculative in nature and involves substantial risk of our introducing firmsloss. It is our policy very important that Customers understand all the risk of any form of trading. The U.S. Securities and Exchange Commission websites ‐ xxxxx://xxx.xxx.xxx , xxxxx://xxx.xxxxxxxx.xxx, and FINRA ‐ xxxx://xxx.xxxxx.xxx, provide useful information for investors. FTSDT201806 ELECTRONIC SERVICES AGREEMENT Please read this Electronic Services Agreement before using any of the electronic services made available by Firstrade Securities Inc. In order to respect use these services, you must agree to be bound by the privacy of all accounts that we maintain as clearing broker following terms and to protect the security and confidentiality of non-public personal information relating to those accounts. Please note that this policy generally applies to former customers of Apex as well as current customersconditions.

ACH Agreement. If I request Automated Clearinghouse (“ACH”) transactions from my Account at Clearing Firm, I authorize Clearing Firm to originate or facilitate transfer credits/debits to/from my eligible bank account. Transactions sent through the NACHA network will be subject to all applicable rules of NACHA and all rules set forth in Federal Reserve Operating circulars or other applicable laws and regulations. ACH deposits to my brokerage account are provisional. If the beneficiary bank does not receive final and complete payment for a payment order transferred through ACH, the beneficiary bank is entitled to recover from the beneficiary any provisional credit and Clearing Firm may charge my account for the transaction amount. I understand Clearing Firm or my Broker may not notify me of any returned or rejected ACH transfers. I agree to hold Clearing Firm and Clearing Firm’s agents free of liability for compliance with these instructions. I hereby agree to hold harmless Clearing Firm and each of its affiliates, offices, directors, employees, and agents against, any claims, judgments, expenses, liabilities or costs of defense or settlement relating to: (a) any refusal or failure to initiate or honor any credit or debit request, by Clearing Firm or my Broker, whether (i) due to a lack of funds necessary to credit my account; (ii) due to inadvertence, error caused by similarity of account holder names or (iii) otherwise provided Clearing Firm has not acted in bad faith; (b) if the routing number is incorrect or the routing number or other information changes at another U.S. financial institution or (c) any loss, damage, liability or claim arising, directly or indirectly, from any error, delay or failure which is caused by circumstances beyond Clearing Firm’s direct control. To the extent permitted by applicable law or regulation, Clearing Firm hereby disclaims all warranties, express or implied, and in no event shall Clearing Firm be liable for any special indirect, incidental, or consequential damages whatsoever resulting from the ACH electronic service or any ACH transactions. Nothing in this herein shall constitute a commitment or undertaking by Clearing Firm or my Broker to effect any ACH transaction or otherwise act upon my instructions or those of my Broker with respect to any account at Clearing Firm. This authorization shall remain in full force and effect until I revoke authorization by written notification to my Broker that is forwarded to Clearing Firm. I understand that Clearing Firm has the right to terminate or suspend the ACH agreement at any time and without notice. PRIVACY POLICY Apex Clearing Corporation (“Apex”) carries your account as a clearing broker by arrangement with your broker-dealer or registered investment advisor as Apex’s introducing client. At Apex, we understand that privacy is an important issue for customers of our introducing firms. It is our policy to respect the privacy of all accounts that we maintain as clearing broker and to protect the security and confidentiality of non-public personal information relating to those accounts. Please note that this policy generally applies to former customers of Apex as well as current customers.

ACH Agreement. If I request Automated Clearinghouse (“ACH”) transactions from my Firstrade Account at Apex Clearing FirmCorporation, I authorize Clearing Firm Apex to originate or facilitate transfer credits/debits to/from my eligible bank account. Transactions sent through the NACHA network will be subject to all applicable rules of NACHA and all rules set forth in Federal Reserve Operating circulars or other applicable laws and regulations. ACH deposits to my brokerage Firstrade account are provisional. If the beneficiary bank does not receive final and complete payment for a payment order transferred through ACH, the beneficiary bank is entitled to recover from the beneficiary any provisional credit and Clearing Firm Apex or Firstrade may charge my account for the transaction amount. I understand Clearing Firm Apex or my Broker Firstrade may not notify me of any returned or rejected ACH transfers. I agree to hold Clearing Firm Firstrade, Apex and Clearing FirmApex’s agents free of liability for compliance with these instructions. I hereby agree to hold harmless Clearing Firm Firstrade, Apex and each of its affiliates, offices, directors, employees, and agents against, any claims, judgments, expenses, liabilities or costs of defense or settlement relating to: (a) any refusal or failure to initiate or honor any credit or debit request, by Clearing Firm Apex or my BrokerFirstrade, whether (i) due to a lack of funds necessary to credit my account; (ii) due to inadvertence, error caused by similarity of account holder names or (iii) otherwise provided Clearing Firm Apex or Firstrade has not acted in bad faith; (b) if the routing number is incorrect or the routing number or other information changes at another U.S. financial institution or (c) any loss, damage, liability or claim arising, directly or indirectly, from any error, delay or failure which is caused by circumstances beyond Clearing FirmApex or Firstrade’s direct control. To the extent permitted by applicable law or regulation, Clearing Firm Apex and Firstrade hereby disclaims all warranties, express or implied, and in no event shall Clearing Firm Apex or Firstrade be liable for any special indirect, incidental, or consequential damages whatsoever resulting from the ACH electronic service or any ACH transactions. Nothing in this herein shall constitute a commitment or undertaking by Clearing Firm Apex or my Broker Firstrade to effect any ACH transaction or otherwise act upon my instructions or those of my Broker Firstrade with respect to any account at Clearing FirmApex. This authorization shall remain in full force and effect until I revoke authorization by written notification to my Broker Firstrade that is forwarded to Clearing FirmApex. I understand that Clearing Firm Apex and Firstrade has the right to terminate or suspend the ACH agreement at any time and without notice. PRIVACY POLICY Apex Clearing Corporation (“Apex”) carries your account as a clearing broker by arrangement with your broker-dealer or registered investment advisor as Apex’s introducing client. At Apex, we understand that privacy is an important issue for customers of our introducing firms. It is our policy to respect the privacy of all accounts that we maintain as clearing broker and to protect the security and confidentiality of non-public personal information relating to those accounts. Please note that this policy generally applies to former customers of Apex as well as current customers.

ACH Agreement. If I request Automated Clearinghouse (“ACH”) transactions from my Firstrade Account at Apex Clearing FirmCorporation, I authorize Clearing Firm Apex to originate or facilitate transfer credits/debits to/from my eligible bank account. Transactions sent through the NACHA network will be subject to all applicable rules of NACHA and all rules set forth in Federal Reserve Operating circulars or other applicable laws and regulations. ACH deposits to my brokerage Firstrade account are provisional. If the beneficiary bank does not receive final and complete payment for a payment order transferred through ACH, the beneficiary bank is entitled to recover from the beneficiary any provisional credit and Clearing Firm Apex or Firstrade may charge my account for the transaction amount. I understand Clearing Firm Apex or my Broker Firstrade may not notify me of any returned or rejected ACH transfers. I agree to hold Clearing Firm Firstrade, Apex and Clearing FirmApex’s agents free of liability for compliance with these instructions. I hereby agree to hold harmless Clearing Firm Firstrade, Apex and each of its affiliates, offices, directors, employees, and agents against, any claims, judgments, expenses, liabilities or costs of defense or settlement relating to: (a) any refusal or failure to initiate or honor any credit or debit request, by Clearing Firm Apex or my BrokerFirstrade, whether (i) due to a lack of funds necessary to credit my account; (ii) due to inadvertence, error caused by similarity of account holder names or (iii) otherwise provided Clearing Firm Apex or Firstrade has not acted in bad faith; (b) if the routing number is incorrect or the routing number or other information changes at another U.S. financial institution or (c) any loss, damage, liability or claim arising, directly or indirectly, from any error, delay or failure which is caused by circumstances beyond Clearing FirmApex or Firstrade’s direct control. To the extent permitted by applicable law or regulation, Clearing Firm Apex and Firstrade hereby disclaims all warranties, express or implied, and in no event shall Clearing Firm Apex or Firstrade be liable for any special indirect, incidental, or consequential damages whatsoever resulting from the ACH electronic service or any ACH transactions. Nothing in this herein shall constitute a commitment or undertaking by Clearing Firm Apex or my Broker Firstrade to effect any ACH transaction or otherwise act upon my instructions or those of my Broker Firstrade with respect to any account at Clearing FirmApex. This authorization shall remain in full force and effect until I revoke authorization by written notification to my Broker Firstrade that is forwarded to Clearing FirmApex. I understand that Clearing Firm Apex and Firstrade has the right to terminate or suspend the ACH agreement at any time and without notice. PRIVACY POLICY Apex Clearing Corporation (“Apex”) carries your account Self-directed Trading Account Risk Disclosure All Firstrade Accounts are self-directed. Customers are solely responsible for any and all orders placed in their Accounts and understand that all orders entered by them are unsolicited and based on their own investment decisions or the investment decisions of their duly authorized representative or agent. Consequently, any customer of Firstrade agrees that neither Firstrade nor any of its employees, agents, principals or representatives: • solicit orders; • recommend any security, transaction orders; • provide investment advice in relation with Firstrade account; • make discretionary trades; • produce or provide research; • act as a clearing broker by arrangement with your broker-dealer market maker in any security; The research materials that are available through xxx.xxxxxxxxx.xxx are intended for informational and educational purposes only. They do not constitute a recommendation to place an order or registered engage in any investment advisor as Apex’s introducing clientstrategies. At Apex, we understand that privacy All securities trading is an important issue for customers speculative in nature and involves substantial risk of our introducing firmsloss. It is our policy very important that Customers understand all the risk of any form of trading. The U.S. Securities and Exchange Commission websites - xxxxx://xxx.xxx.xxx , xxxxx://xxx.xxxxxxxx.xxx, and FINRA - xxxx://xxx.xxxxx.xxx, provide useful information for investors. ELECTRONIC SERVICES AGREEMENT Please read this Electronic Services Agreement before using any of the electronic services made available by Firstrade Securities Inc. In order to respect use these services, you must agree to be bound by the privacy of all accounts that we maintain as clearing broker following terms and to protect the security and confidentiality of non-public personal information relating to those accounts. Please note that this policy generally applies to former customers of Apex as well as current customersconditions.

ACH Agreement. If I request Automated Clearinghouse (“ACH”) transactions from my Account at Clearing Firm, I authorize Clearing Firm to originate or facilitate transfer credits/debits to/from my eligible bank account. Transactions sent through the NACHA network will be subject to all applicable rules of NACHA and all rules set forth in Federal Reserve Operating circulars or other applicable laws and regulations. ACH deposits to my brokerage account are provisional. If the beneficiary bank does not receive final and complete payment for a payment order transferred through ACH, the beneficiary bank is entitled to recover from the beneficiary any provisional credit and Clearing Firm may charge my account for the transaction amount. I understand Clearing Firm or my Broker may not notify me of any returned or rejected ACH transfers. I agree to hold Clearing Firm and Clearing Firm’s agents free of liability for compliance with these instructions. I hereby agree to hold harmless Clearing Firm and each of its affiliates, offices, directors, employees, and agents against, any claims, judgments, expenses, liabilities or costs of defense or settlement relating to: (a) any refusal or failure to initiate or honor any credit or debit request, by Clearing Firm or my Broker, whether (i) due to a lack of funds necessary to credit my account; (ii) due to inadvertence, error caused by similarity of account holder names or (iii) otherwise provided Clearing Firm has not acted in bad faith; (b) if the routing number is incorrect or the routing number or other information changes at another U.S. financial institution or (c) any loss, damage, liability or claim arising, directly or indirectly, from any error, delay or failure which is caused by circumstances beyond Clearing Firm’s direct control. To the extent permitted by applicable law or regulation, Clearing Firm hereby disclaims all warranties, express or implied, and in no event shall Clearing Firm be liable for any special indirect, incidental, or consequential damages whatsoever resulting from the ACH electronic service or any ACH transactions. Nothing in this herein shall constitute a commitment or undertaking by Clearing Firm or my Broker to effect affect any ACH transaction or otherwise act upon my instructions or those of my Broker with respect to any account at Clearing Firm. This authorization shall remain in full force and effect until I revoke authorization by written notification to my Broker that is forwarded to Clearing Firm. I understand that Clearing Firm has the right to terminate or suspend the ACH agreement at any time and without notice. PRIVACY POLICY Apex Clearing Corporation Customer Margin and Short Account Agreement‌ This Customer Margin and Short Account Agreement (the “ApexAgreement”) carries your account as a clearing broker by arrangement with your broker-dealer or registered investment advisor as Apex’s introducing client. At sets forth the respective rights and obligations of Apex, we understand the Introducing Broker and the Customer (all as defined below) in connection with the Customer’s margin account opened with the Introducing Broker for the purchase and sale of securities and/or the borrowing of funds. The Customer understands that privacy Apex has been designated as the clearing firm on the account and the Customer hereby acknowledges and agrees that the margin extended to the Customer hereunder is an important issue for customers of our introducing firms. It is our policy to respect the privacy of all accounts that we maintain as clearing broker and to protect the security and confidentiality of non-public personal information relating to those accounts. Please note that this policy generally applies to former customers of Apex as well as current customersprovided by Apex.

ACH Agreement. If I request Customer requests Automated Clearinghouse (“ACH”) transactions from my Customer’s Account at Clearing FirmApex, I authorize Clearing Firm Customer authorizes Apex to originate or facilitate transfer credits/debits to/from my Customer’s eligible bank account. Transactions sent through the NACHA network will be subject to all applicable rules of NACHA and all rules set forth in Federal Reserve Operating circulars or other applicable laws and regulations. ACH deposits to my Customer’s brokerage account are provisional. If the beneficiary bank does not receive final and complete payment for a payment order transferred through ACH, the beneficiary bank is entitled to recover from the beneficiary any provisional credit and Clearing Firm Apex may charge my Customer’s account for the transaction amount. I understand Clearing Firm Customer understands Apex or my Broker Customer’s Advisor may not notify me Customer of any returned or rejected ACH transfers. I agree Customer agrees to hold Clearing Firm Apex and Clearing FirmApex’s agents free of liability for compliance with these instructions. I Customer hereby agree agrees to hold harmless Clearing Firm Apex and each of its affiliates, offices, directors, employees, and agents against, any claims, judgments, expenses, liabilities or costs of defense or settlement relating to: (a) any refusal or failure to initiate or honor any credit or debit request, by Clearing Firm Apex or my BrokerAdvisor, whether (i) due to a lack of funds necessary to credit my Customer’s account; (ii) due to inadvertence, error caused by similarity of account holder names or (iii) otherwise provided Clearing Firm Apex has not acted in bad faith; (b) if the routing number is incorrect or the routing number or other information changes at another U.S. financial institution or (c) any loss, damage, liability or claim arising, directly or indirectly, from any error, delay or failure which is caused by circumstances beyond Clearing FirmApex’s direct control. To the extent permitted by applicable law or regulation, Clearing Firm Apex hereby disclaims all warranties, express or implied, and in no event shall Clearing Firm Apex be liable for any special indirect, incidental, or consequential damages whatsoever resulting from the ACH electronic service or any ACH transactions. Nothing in this herein shall constitute a commitment or undertaking by Clearing Firm Apex or my Broker Advisor to effect any ACH transaction or otherwise act upon my the instructions of Customer or those of my Broker Advisor with respect to any account at Clearing FirmApex. This authorization shall remain in full force and effect until I revoke Customer revokes authorization by written notification to my Broker Advisor that is forwarded to Clearing FirmApex. I understand Customer understands that Clearing Firm Apex has the right to terminate or suspend the ACH agreement at any time and without notice. PRIVACY POLICY APEX Privacy Policy Apex Clearing Corporation (“Apex”) carries your account as a clearing broker by arrangement with your broker-dealer or registered investment advisor as Apex’s introducing client. At Apex, we understand that privacy is an important issue for customers of our introducing firms. It is our policy to respect the privacy of all accounts that we maintain as clearing broker and to protect the security and confidentiality of non-public personal information relating to those accounts. Please note that this policy generally applies to former customers of Apex as well as current customers.

ACH Agreement. If I request Automated Clearinghouse (“ACH”) transactions from my Account at Clearing Firm, I authorize Clearing Firm to originate or facilitate transfer credits/debits to/from my eligible bank account. Transactions sent through the NACHA network will be subject to all applicable rules of NACHA and all rules set forth in Federal Reserve Operating circulars or other applicable laws and regulations. ACH deposits to my brokerage account are provisional. If the beneficiary bank does not receive final and complete payment for a payment order transferred through ACH, the beneficiary bank is entitled to recover from the beneficiary any provisional credit and Clearing Firm may charge my account for the transaction amount. I understand Clearing Firm or my Broker may not notify me of any returned or rejected ACH transfers. I agree to hold Clearing Firm and Clearing Firm’s agents free of liability for compliance with these instructions. I hereby agree to hold harmless Clearing Firm and each of its affiliates, offices, directors, employees, and agents against, any claims, judgments, expenses, liabilities or costs of defense or settlement relating to: (a) any refusal or failure to initiate or honor any credit or debit request, by Clearing Firm or my Broker, whether (i) due to a lack of funds necessary to credit my account; (ii) due to inadvertence, error caused by similarity of account holder names or (iii) otherwise provided Clearing Firm has not acted in bad faith; (b) if the routing number is incorrect or the routing number or other information changes at another U.S. financial institution or (c) any loss, damage, liability or claim arising, directly or indirectly, from any error, delay or failure which is caused by circumstances beyond Clearing Firm’s direct control. To the extent permitted by applicable law or regulation, Clearing Firm hereby disclaims all warranties, express or implied, and in no event shall Clearing Firm be liable for any special indirect, incidental, or consequential damages whatsoever resulting from the ACH electronic service or any ACH transactions. Nothing in this herein shall constitute a commitment or undertaking by Clearing Firm or my Broker to effect any ACH transaction or otherwise act upon my instructions or those of my Broker with respect to any account at Clearing Firm. This authorization shall remain in full force and effect until I revoke authorization by written notification to my Broker that is forwarded to Clearing Firm. I understand that Clearing Firm has the right to terminate or suspend the ACH agreement at any time and without notice. PRIVACY POLICY Apex Clearing Corporation (“Apex”) carries your account as a clearing broker by arrangement with your broker-dealer or registered investment advisor as Apex’s introducing client. At Apex, we understand that privacy is an important issue for customers of our introducing firms. It is our policy to respect the privacy of all accounts that we maintain as clearing broker and to protect the security and confidentiality of non-public personal information relating to those accounts. Please note that this policy generally applies to former customers of Apex as well as current customers.

ACH Agreement. If I request Customer requests Automated Clearinghouse (“"ACH”") transactions from my Customer's Account at Clearing FirmApex, I authorize Clearing Firm Customer authorizes Apex to originate or facilitate transfer credits/debits to/from my Customer's eligible bank account. Transactions sent through the NACHA network will be subject to all applicable rules of NACHA and all rules set forth in Federal Reserve Operating circulars or other applicable laws and regulations. ACH deposits to my Customer's brokerage account are provisional. If the beneficiary bank does not receive final and complete payment for a payment order transferred through ACH, the beneficiary bank is entitled to recover from the beneficiary any provisional credit and Clearing Firm Apex may charge my Customer's account for the transaction amount. I understand Clearing Firm Customer understands Apex or my Broker Customer's Advisor may not notify me Customer of any returned or rejected ACH transfers. I agree Customer agrees to hold Clearing Firm Apex and Clearing Firm’s Apex's agents free of liability for compliance with these instructions. I Customer hereby agree agrees to hold harmless Clearing Firm Apex and each of its affiliates, offices, directors, employees, and agents against, any claims, judgments, expenses, liabilities or costs of defense or settlement relating to: (a) any refusal or failure to initiate or honor any credit or debit request, by Clearing Firm Apex or my BrokerAdvisor, whether (i) due to a lack of funds necessary to credit my Customer's account; (ii) due to inadvertence, error caused by similarity of account holder names or (iii) otherwise provided Clearing Firm Apex has not acted in bad faith; (b) if the routing number is incorrect or the routing number or other information changes at another U.S. financial institution or (c) any loss, damage, liability or claim arising, directly or indirectly, from any error, delay or failure which is caused by circumstances beyond Clearing Firm’s Apex's direct control. To the extent permitted by applicable law or regulation, Clearing Firm Apex hereby disclaims all warranties, express or implied, and in no event shall Clearing Firm Apex be liable for any special indirect, incidental, or consequential damages whatsoever resulting from the ACH electronic service or any ACH transactions. Nothing in this herein shall constitute a commitment or undertaking by Clearing Firm Apex or my Broker Advisor to effect any ACH transaction or otherwise act upon my the instructions of Customer or those of my Broker Advisor with respect to any account at Clearing FirmApex. This authorization shall remain in full force and effect until I revoke Customer revokes authorization by written notification to my Broker Advisor that is forwarded to Clearing FirmApex. I understand Customer understands that Clearing Firm Apex has the right to terminate or suspend the ACH agreement at any time and without notice. PRIVACY POLICY Privacy Policy - Apex Apex Clearing Corporation (“"Apex”") carries your account as a clearing broker by arrangement with your broker-dealer or registered investment advisor as Apex’s 's introducing client. At Apex, we understand that privacy is an important issue for customers of our introducing firms. It is our policy to respect the privacy of all accounts that we maintain as clearing broker and to protect the security and confidentiality of non-non- public personal information relating to those accounts. Please note that this policy generally applies to former customers of Apex as well as current customers.

ACH Agreement. If I request Automated Clearinghouse (“"ACH”") transactions from my Account at Clearing Firm, I authorize Clearing Firm to originate or facilitate transfer credits/debits to/from my eligible bank account. Transactions sent through the NACHA network will be subject to all applicable rules of NACHA and all rules set forth in Federal Reserve Operating circulars or other applicable laws and regulations. ACH deposits to my brokerage account are provisional. If the beneficiary bank does not receive final and complete payment for a payment order transferred through ACH, the beneficiary bank is entitled to recover from the beneficiary any provisional credit and Clearing Firm may charge my account for the transaction amount. I understand Clearing Firm or my Broker may not notify me of any returned or rejected ACH transfers. I agree to hold Clearing Firm and Clearing Firm’s 's agents free of liability for compliance with these instructions. I hereby agree to hold harmless Clearing Firm and each of its affiliates, offices, directors, employees, and agents against, any claims, judgments, expenses, liabilities or costs of defense or settlement relating to: (a) any refusal or failure to initiate or honor any credit or debit request, by Clearing Firm or my Broker, whether (i) due to a lack of funds necessary to credit my account; (ii) due to inadvertence, error caused by similarity of account holder names or (iii) otherwise provided Clearing Firm has not acted in bad faith; (b) if the routing number is incorrect or the routing number or other information changes at another U.S. financial institution or (c) any loss, damage, liability or claim arising, directly or indirectly, from any error, delay or failure which is caused by circumstances beyond Clearing Firm’s 's direct control. To the extent permitted by applicable law or regulation, Clearing Firm hereby disclaims all warranties, express or implied, and in no event shall Clearing Firm be liable for any special indirect, incidental, or consequential damages whatsoever resulting from the ACH electronic service or any ACH transactions. Nothing in this herein shall constitute a commitment or undertaking by Clearing Firm or my Broker to effect any ACH transaction or otherwise act upon my instructions or those of my Broker with respect to any account at Clearing Firm. This authorization shall remain in full force and effect until I revoke authorization by written notification to my Broker that is forwarded to Clearing Firm. I understand that Clearing Firm has the right to terminate or suspend the ACH agreement at any time and without notice. VELOX PRIVACY POLICY Apex Velox Clearing Corporation LLC (“Apex”"Velox") carries your account as a clearing broker by arrangement with your broker-broker- dealer or registered investment advisor as Apex’s Velox's introducing client. At ApexVelox, we understand that privacy is an important issue for customers of our introducing firms. It is our policy to respect the privacy of all accounts that we maintain as clearing broker and to protect the security and confidentiality of non-public personal information relating to those accounts. Please note that this policy generally applies to former customers of Apex Velox as well as current customers.

ACH Agreement. If I you request Automated Clearinghouse (“ACH”) transactions from my your Account at Clearing FirmWSI, I you authorize Clearing Firm WSI to originate or facilitate transfer credits/debits to/from my your eligible bank account. Transactions sent through the NACHA ACH network will be subject to all applicable rules of NACHA the National Automated Clearinghouse Association and all rules set forth in Federal Reserve Operating circulars or other applicable laws and regulations. ACH deposits to my brokerage account your Account are provisional. If the beneficiary bank does not receive final and complete payment for a payment order transferred through ACH, the beneficiary bank is entitled to recover from the beneficiary any provisional credit and Clearing Firm WSI may charge my account your Account for the transaction amount. I You understand Clearing Firm WSI or my Broker Advisor may not notify me you of any returned or rejected ACH transfers. I You agree to hold Clearing Firm WSI and Clearing FirmWSI’s agents free of liability for compliance with these instructions. I You hereby agree to hold harmless Clearing Firm WSI and each of its affiliates, offices, directors, employees, and agents against, any claims, judgments, expenses, liabilities or costs of defense or settlement relating to: (ai) any refusal or failure to initiate or honor any credit or debit request, by Clearing Firm WSI or my BrokerAdvisor, whether (ia) due to a lack of funds necessary to credit my your account; (ii) due to inadvertence, error caused by similarity of account holder names or (iiib) otherwise provided Clearing Firm WSI has not acted in bad faith; (bii) if the instances where bank account information (including, account title, type, pr number, or routing number provided is incorrect or the routing number or other such information changes at another U.S. financial institution institution; or (ciii) any loss, damage, liability or claim arising, directly or indirectly, from any error, delay or failure which is caused by circumstances beyond Clearing FirmWSI’s direct control. To the extent permitted by applicable law or regulationTO THE EXTENT PERMITTED BY APPLICABLE LAW OR REGULATION, Clearing Firm hereby disclaims all warrantiesWSI HEREBY DISCLAIMS ALL WARRANTIES, express or impliedEXPRESS OR IMPLIED, and in no event shall Clearing Firm be liable for any special indirectAND IN NO EVENT SHALL WSI BE LIABLE FOR ANY SPECIAL INDIRECT, incidentalINCIDENTAL, or consequential damages whatsoever resulting from the OR CONSEǪUENTIAL DAMAGES WHATSOEVER RESULTING FROM THE ACH electronic service or any ELECTRONIC SERVICE OR ANY ACH transactionsTRANSACTIONS. Nothing in this herein section shall constitute a commitment or undertaking by Clearing Firm or my Broker WSI to effect any ACH transaction or otherwise act upon my your instructions or those of my Broker Advisor with respect to any account at Clearing FirmWSI. This authorization shall remain in full force and effect until I you revoke authorization by written notification to my Broker Advisor that is forwarded to Clearing FirmWSI. I You understand that Clearing Firm WSI has the right to terminate or suspend the ACH agreement at any time and without notice. PRIVACY POLICY Apex Clearing Corporation (“Apex”) carries your account as a clearing broker by arrangement with your broker-dealer or registered investment advisor as Apex’s introducing client. At Apex, we understand that privacy is an important issue for customers of our introducing firms. It is our policy to respect the privacy of all accounts that we maintain as clearing broker and to protect the security and confidentiality of non-public personal information relating to those accounts. Please note that this policy generally applies to former customers of Apex as well as current customers.

ACH Agreement. If I request Automated Clearinghouse (“ACH”) transactions from my Account at Clearing Firm, I authorize Clearing Firm to originate or facilitate transfer credits/debits to/from my eligible bank account. Transactions sent through the NACHA network will be subject to all applicable rules of NACHA and all rules set forth in Federal Reserve Operating circulars or other applicable laws and regulations. ACH deposits to my brokerage account are provisional. If the beneficiary bank does not receive final and complete payment for a payment order transferred through ACH, the beneficiary bank is entitled to recover from the beneficiary any provisional credit and Clearing Firm may charge my account for the transaction amount. I understand Clearing Firm or my Broker may not notify me of any returned or rejected ACH transfers. I agree to hold Clearing Firm and Clearing Firm’s agents free of liability for compliance with these instructions. I hereby agree to hold harmless Clearing Firm and each of its affiliates, offices, directors, employees, and agents against, any claims, judgments, expenses, liabilities or costs of defense or settlement relating to: (a) any refusal or failure to initiate or honor any credit or debit request, by Clearing Firm or my Broker, whether (i) due to a lack of funds necessary to credit my account; (ii) due to inadvertence, error caused by similarity of account holder names or (iii) otherwise provided Clearing Firm has not acted in bad faith; (b) if the routing number is incorrect or the routing number or other information changes at another U.S. financial institution or (c) any loss, damage, liability or claim arising, directly or indirectly, from any error, delay or failure which is caused by circumstances beyond Clearing Firm’s direct control. To the extent permitted by applicable law or regulation, Clearing Firm hereby disclaims all warranties, express or implied, and in no event shall Clearing Firm be liable for any special indirect, incidental, or consequential damages whatsoever resulting from the ACH electronic service or any ACH transactions. Nothing in this herein shall constitute a commitment or undertaking by Clearing Firm or my Broker to effect any ACH transaction or otherwise act upon my instructions or those of my Broker with respect to any account at Clearing Firm. This authorization shall remain in full force and effect until I revoke authorization by written notification to my Broker that is forwarded to Clearing Firm. I understand that Clearing Firm has the right to terminate or suspend the ACH agreement at any time and without notice. PRIVACY POLICY Stash Capital LLC Business Continuity Plan Disclosure Stash Capital LLC (referred herein as “Stash Capital”, or “we”) has developed a Business Continuity Plan reasonably designed to allow Stash Capital to respond to events which may significantly disrupt our business. Actual response to disruptions may vary depending on circumstances. Contacting Us – If after a significant business disruption you cannot contact us as you usually do at xxxxxxx@xxxxxxxxxxx.xxx, you should contact our clearing firm, Apex Clearing, at (000) 000-0000. The Stash Capital business continuity plan is reasonably designed to permit Stash Capital to resume business operations as quickly as possible, to the extent possible given the scope and severity of the significant business disruption. Our Business Continuity Plan addresses: data backup and recovery; all critical systems; financial and operational assessments; alternative communications with clients, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring our clients prompt access to their funds and securities if we are unable to continue our business. Our clearing firm, Apex Clearing Corporation Corp., backs up its important records in a geographically separate area. While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption, Apex’s stated objective is to restore its own operations and be able to complete existing transactions and accept new transactions and payments within 4-12 hours. Your orders and requests for funds and securities could be delayed during this period. Varying Disruptions – Significant business disruptions can vary in their scope in that they may affect just Stash Capital, or a single building housing Stash Capital, or the business district where Stash Capital is located, or the city where Stash Capital is located, or the whole region. Within each of these areas, the severity of the disruption can also vary from minimal to severe. In a disruption to only Stash Capital or the building housing Stash Capital, we will transfer our operations to a local site if necessary and expect to recover and resume business within 2-3 hours. In a disruption affecting our business district, city, or region, we will transfer our operations to a site outside of the affected area, and plan to recover and resume business within 1-2 days. In either situation, we plan to continue in business, transfer operations to our clearing firm and/or redundant back-up sites if necessary, and notify you electronically or via telephone. If the significant business disruption is so severe that it prevents us from remaining in business, we will assure our clients prompt access to their funds and securities. Important Disclaimers - Stash Capital will adhere to the procedures set forth in its Business Continuity Plan and described in this disclosure to the extent commercially reasonable and practicable under prevailing circumstances. However, there are innumerable potential causes of a business disruption. In addition, disruptions (“Apex”and the events that caused them) carries may vary significantly in nature, size, scope, severity, duration and geographic location and will result in distinct degrees of harm to human life; firm assets; the national banking system, securities exchanges, clearing houses and depositories with which Stash Capital conducts business; and local, regional and national systems infrastructure (e.g., telecommunications, Internet connectivity, power generation and transportation) that could affect Stash Capital’s recovery in vastly disparate ways. In recognition of this, Stash Capital reserves the right to flexibly respond to particular emergencies and business disruptions in a situation- specific manner that it deems prudent under the circumstances, in its sole discretion. Nothing in this document is intended to provide a guarantee or warranty regarding the actions or performance of Apex Clearing Corp., its computer systems, or its personnel in the event of a significant disruption. Stash Capital may modify its Business Continuity Plan and this disclosure at any time. You may access this Business Continuity Plan and all other agreements and disclosures relevant to your account as a clearing broker by arrangement with your broker-dealer or registered investment advisor as Apex’s introducing clientat xxxxx://xxx.xxxxxxxxxxx.xxx/disclosurelibrary. At Apex, we understand that privacy is an important issue for customers of our introducing firms. It is our policy to respect the privacy of all accounts that we maintain as clearing broker and to protect the security and confidentiality of non-public personal information relating to those accounts. Privacy Policy Please see xxxxx://xxx.xxxxxxxxxxx.xxx/theprivacypolicy SIPC Disclosure Please note that this policy generally applies to former customers of Apex as well as current customersyou can obtain information about SIPC, including the SIPC brochure, by visiting the website xxx.xxxx.xxx or by calling (000) 000-0000. FINRA Disclosures You may find more information about Stash Capital and other broker-dealers through FINRA’s BrokerCheck Program, available at xxxxx://xxxxxxxxxxx.xxxxx.xxx. Or you may call the BrokerCheck Hotline Telephone Number: (000) 000-0000 Also, please be advised that FINRA offers an investor brochure describing the FINRA BrokerCheck. You may access the FINRA website at xxx.xxxxx.xxx.

ACH Agreement. If I request Automated Clearinghouse (“ACH”) transactions from my Firstrade Account at Apex Clearing FirmCorporation, I authorize Clearing Firm Apex to originate or facilitate transfer credits/debits to/from my eligible bank account. Transactions sent through the NACHA network will be subject to all applicable rules of NACHA and all rules set forth in Federal Reserve Operating circulars or other applicable laws and regulations. ACH deposits to my brokerage Firstrade account are provisional. If the beneficiary bank does not receive final and complete payment for a payment order transferred through ACH, the beneficiary bank is entitled to recover from the beneficiary any provisional credit and Clearing Firm Apex or Firstrade may charge my account for the transaction amount. I understand Clearing Firm Apex or my Broker Firstrade may not notify me of any returned or rejected ACH transfers. I agree to hold Clearing Firm Firstrade, Apex and Clearing FirmApex’s agents free of liability for compliance with these instructions. I hereby agree to hold harmless Clearing Firm Firstrade, Apex and each of its affiliates, offices, directors, employees, and agents against, any claims, judgments, expenses, liabilities or costs of defense or settlement relating to: (a) any refusal or failure to initiate or honor any credit or debit request, by Clearing Firm Apex or my BrokerFirstrade, whether (i) due to a lack of funds necessary to credit my account; (ii) due to inadvertence, error caused by similarity of account holder names or (iii) otherwise provided Clearing Firm Apex or Firstrade has not acted in bad faith; (b) if the routing number is incorrect or the routing number or other information changes at another U.S. financial institution or (c) any loss, damage, liability or claim arising, directly or indirectly, from any error, delay or failure which is caused by circumstances beyond Clearing FirmApex or Firstrade’s direct control. To the extent permitted by applicable law or regulation, Clearing Firm Apex and Firstrade hereby disclaims all warranties, express or implied, and in no event shall Clearing Firm Apex or Firstrade be liable for any special indirect, incidental, or consequential damages whatsoever resulting from the ACH electronic service or any ACH transactions. Nothing in this herein shall constitute a commitment or undertaking by Clearing Firm Apex or my Broker Firstrade to effect any ACH transaction or otherwise act upon my instructions or those of my Broker Firstrade with respect to any account at Clearing FirmApex. This authorization shall remain in full force and effect until I revoke authorization by written notification to my Broker Firstrade that is forwarded to Clearing FirmApex. I understand that Clearing Firm Apex and Firstrade has the right to terminate or suspend the ACH agreement at any time and without notice. PRIVACY POLICY Apex Clearing Corporation (“Apex”) carries your account Self-directed Trading Account Risk Disclosure All Firstrade Accounts are self-directed. Customers are solely responsible for any and all orders placed in their Accounts and understand that all orders entered by them are unsolicited and based on their own investment decisions or the investment decisions of their duly authorized representative or agent. Consequently, any customer of Firstrade agrees that neither Firstrade nor any of its employees, agents, principals or representatives: • solicit orders; • recommend any security, transaction orders; • provide investment advice in relation with Firstrade account; • make discretionary trades; • produce or provide research; • act as a clearing broker by arrangement with your broker-dealer market maker in any security; The research materials that are available through xxx.xxxxxxxxx.xxx are intended for informational and educational purposes only. They do not constitute a recommendation to place an order or registered engage in any investment advisor as Apex’s introducing clientstrategies. At Apex, we understand that privacy All securities trading is an important issue for customers speculative in nature and involves substantial risk of our introducing firmsloss. It is very important that Customers understand all the risk of any form of trading. The U.S. Securities and Exchange Commission websites - xxxxx://xxx.xxx.xxx , xxxxx://xxx.xxxxxxxx.xxx, and FINRA - xxxx://xxx.xxxxx.xxx, provide useful information for investors. Privacy and Security Policy FIRSTRADE is committed to protecting our clients' personal and financial information. In the course of providing you with FIRSTRADE's brokerage services, we need to collect and maintain certain nonpublic Personal Identifiable Information about you. Firstrade respects our clients' privacy concern and adhere to a strict confidentiality policy to respect protect your information. This Privacy and Security Policy describes what nonpublic Personal Identifiable Information we collect, what we do with it, and how we protect it. What types of nonpublic Personal Identifiable Information about me does FIRSTRADE collect? When you apply for or maintain an account with FIRSTRADE, we collect Personal Identifiable Information including the privacy following types of all accounts information: • Information provided by you, such as your name, address, telephone numbers, Social Security number/Tax Identification number, date of birth, employment information, financial data, and any other personal information connected to identifying you. • Transaction history with us such as account balance and trading activity will be reviewed periodically. • In some cases, we may collect information from consumer-reporting agencies. What types of nonpublic Personal Identifiable Information about me does FIRSTRADE disclose? FIRSTRADE discloses nonpublic Personal Identifiable Information about you described above, primarily to provide you with the financial services you seek from us. We do not sell your personal information. We do not disclose nonpublic personal information about present or former clients, except as required or permitted by law. What are my rights to opt-out of disclosure and how can I exercise them? If you prefer that we maintain as clearing broker and do not disclose nonpublic personal information about you to protect the security and confidentiality of non-public financial services companies described in the paragraph above, you may opt-out of those disclosures, that is, you may direct us not to make those disclosures (other than those disclosures required by law). You may provide your name, address, email address, daytime phone, your account number and opt-out request to us by email at xxxxxxx@xxxxxxxxx.xxx or by calling 0-000-000-0000. To what other types of entities might FIRSTRADE disclose my nonpublic personal information? FIRSTRADE may disclose information we collect from you, such as your contact information, to service providers who perform marketing functions on our behalf. Specifically, your name, address and/or email address are sometimes provided to vendors who send email or regular mail on FIRSTRADE's behalf. We disclose information to nonaffiliated companies that work for us in providing financial services to you. For example, we provide information to nonaffiliated companies that prepare and mail statements and transaction confirmations. These companies acting on our behalf are required to keep your personal information relating confidential. Finally, FIRSTRADE discloses nonpublic personal information to those accountsnonaffiliated third parties as permitted or required by law. Please note that this policy generally applies to former customers of Apex These parties include government/regulatory organizations such as well as current customersthe Internal Revenue Service (IRS) and the Securities and Exchange Commission (SEC). Disclosures for which you have provided your consent are also permitted.

ACH Agreement. If I request Automated Clearinghouse (“ACH”) transactions from my Account at Clearing Firm, I authorize Clearing Firm to originate or facilitate transfer credits/debits to/from my eligible bank account. Transactions sent through the NACHA network will be subject to all applicable rules of NACHA and all rules set forth in Federal Reserve Operating circulars or other applicable laws and regulations. ACH deposits to my brokerage account are provisional. If the beneficiary bank does not receive final and complete payment for a payment order transferred through ACH, the beneficiary bank is entitled to recover from the beneficiary any provisional credit and Clearing Firm may charge my account for the transaction amount. I understand Clearing Firm or my Broker may not notify me of any returned or rejected ACH transfers. I agree to hold Clearing Firm and Clearing Firm’s agents free of liability for compliance with these instructions. I hereby agree to hold harmless Clearing Firm and each of its affiliates, offices, directors, employees, and agents against, any claims, judgments, expenses, liabilities or costs of defense or settlement relating to: (a) any refusal or failure to initiate or honor any credit or debit request, by Clearing Firm or my Broker, whether (i) due to a lack of funds necessary to credit my account; (ii) due to inadvertence, error caused by similarity of account holder names or (iii) otherwise provided Clearing Firm has not acted in bad faith; (b) if the routing number is incorrect or the routing number or other information changes at another U.S. financial institution or (c) any loss, damage, liability or claim arising, directly or indirectly, from any error, delay or failure which is caused by circumstances beyond Clearing Firm’s direct control. To the extent permitted by applicable law or regulation, Clearing Firm hereby disclaims all warranties, express or implied, and in no event shall Clearing Firm be liable for any special indirect, incidental, or consequential damages whatsoever resulting from the ACH electronic service or any ACH transactions. Nothing in this herein shall constitute a commitment or undertaking by Clearing Firm or my Broker to effect any ACH transaction or otherwise act upon my instructions or those of my Broker with respect to any account at Clearing Firm. This authorization shall remain in full force and effect until I revoke authorization by written notification to my Broker that is forwarded to Clearing Firm. I understand that Clearing Firm has the right to terminate or suspend the ACH agreement at any time and without notice. PRIVACY POLICY Apex Clearing Corporation (“Apex”) carries your account as a clearing broker by arrangement with your broker-dealer or registered investment advisor as Apex’s introducing client. At Apex, we understand that privacy is an important issue for customers of our introducing firms. It is our policy to respect the privacy of all accounts that we maintain as clearing broker and to protect the security and confidentiality of non-non- public personal information relating to those accounts. Please note that this policy generally applies to former customers of Apex as well as current customers.