All of Us Customer Agreement – All of Us

Master Customer Agreement

The terms and conditions in this All of Us Master Customer Agreement (“Agreement”) are in addition to, and incorporate by reference, any other agreements between you and any and all of All of Us Financial LLC and its subsidiaries and affiliates (collectively, “we” or “All of Us”), including any customer or account agreements and any other agreements that govern your use of mobile applications, software, products, goods, services, content, tools, and information provided by All of Us. In the event of a conflict between and among the foregoing agreements, each agreement will take precedence over all other conflicting terms with regard to its particular subject matter.

Notwithstanding the anything to the contrary in this Agreement, the duties and obligations of All of Us Securities, LLC and you with respect to securities brokerage services are solely governed by the separate Securities Customer Agreement. You agree that your relationship as a securities brokerage customer of All of Us Securities, LLC is separate and distinct from the other services offered by All of Us and its affiliates that are not securities brokerage services, and therefore are governed by this Agreement and other agreements.

You agree that by clicking “Submit”, “Join Now”, “Sign Up” or similar, registering, accessing or using our services (described below), you are agreeing to enter into a legally binding contract with All of Us Financial LLC (even if you are using our Services on behalf of a company). If you are entering into this Agreement on behalf of a company, you represent and warrant you have authority to enter into contracts on its behalf. You further represent that you have the ability, generally, in the jurisdiction in which you are located to enter into and be bound by contracts. If you do not agree to this Agreement, do not click “Submit” (or similar) and do not access or otherwise use any of our Services. If you wish to terminate this Agreement, at any time you will need to close all of your accounts with All of Us and subsequently no longer access or use our Services.

Certain areas of our web site, the Services, and Content may require you to accept additional terms and conditions. Those additional terms, as supplemented by this Agreement, will govern use of those areas.

We recommend you print a copy of this Agreement and any updates using the print functionality of your browser and retain the copy for your records.

The following shall survive termination:

Our rights to use and disclose your feedback and responses to solicitations of opinions and information
The rights of our other members (the “Members”) to further re-share information and content you shared with them
All of our disclaimers and limitations of liability set forth in this Agreement
Your indemnities to us
Our use of Your transactional data which we may then only utilize in anonymized form
Our retention as well as anonymized use of historic information, explicitly including that required by the law or regulations

General

The All of Us websites and mobile applications (collectively, the “Service”) may include or make available certain content (the “Content”). Unless provided otherwise, the term “Services” will be deemed to include all Content. Content includes, without limitation: (1) account positions, balances, transactions, confirmations, and order history; (2) general news and information, commentary, research reports, educational material and information and data concerning the financial markets, securities and other subjects; (3) market data such as quotations for securities transactions and/or last sale information for completed securities transactions reported in accordance with federal securities regulations; (4) financial and investment interactive tools, such as alerts or calculators; (5) tax preparation, bill payment and account management tools; (6) company names, logos, product and service names, trade names, trademarks and services marks (collectively, “Marks”) owned by All of Us, and Marks owned by Third Party Providers (defined below); and (7) any other information, content, services, or software. Certain Content is furnished by third parties (each, a “Third Party Provider” and collectively, the “Third Party Providers”). Such Content (“Third Party Content”) includes, without limitation, any information, content, service or software made available by or through social media websites, blogs, wikis, online conferences, telecasts, podcasts, and other Channels (collectively, the “Channels”). Third Party Content may be available through framed areas or through hyperlinks to the Third Party Providers’ websites.

Your Agreed Commitments and Attestations

1) You will not provide false information

2) You will not create more than one personal (All of Us Member) account

3) If your account is disabled you will not create another one

4) You are of the legal age of majority in your country of residence

5) You will keep your information accurate and up to date

6) If you select a username or similar identifier for your User ID we reserve the right to remove or reclaim it if we at our sole discretion if we deem it is appropriate to do so.

7) You provide consent and all rights necessary to enable your devices and applications to synchronize with All of Us

You will comply with and observe all terms and conditions in this Agreement

Arbitration

This Agreement contains a pre-dispute arbitration clause. By signing an arbitration agreement, the parties agree as follows:

(1) All parties to this Agreement are giving up the right to sue each other in court, including the right to a trial by jury, except as provided by the rules of the arbitration forum in which a claim is filed.

(2) Arbitration awards are generally final and binding; a party’s ability to have a court reverse or modify an arbitration award is very limited.

(3) The ability of the parties to obtain documents, witness statements and other discovery is generally more limited in arbitration than in court proceedings.

(4) The arbitrators do not have to explain the reason(s) for their award unless, in an eligible case, a joint request for an explained decision has been submitted by all parties to the panel at least 20 days prior to the first scheduled hearing date.

(5) The panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with the securities industry.

(6) The rules of some arbitration forums may impose time limits for bringing a claim in arbitration. In some cases, a claim that is ineligible for arbitration may be brought in court.

(7) The rules of the arbitration forum in which the claim is filed, and any amendments thereto, shall be incorporated into this Agreement.

All disputes arising out of or concerning the existence, validity, interpretation or performance of this Agreement shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") pursuant to its rules of arbitration. The arbitral panel shall consist of three (3) members, one to be appointed by the petitioning party, one to be appointed by the responding party and the third to be chosen by the two party-appointed arbitrators. The seat of the arbitration shall be the State of California and the evidentiary proceedings shall be conducted in San Francisco, California. The parties to the arbitration shall bear their own costs incurred in connection with the arbitration and share equally the fees and expenses of the arbitral panel and the costs of administration. The arbitral award shall be final and non-appealable and may be enforced in any court of competent jurisdiction.
This agreement to arbitrate constitutes a waiver of the right to seek a judicial Channel unless such a waiver would be void under the federal securities laws. If I am a foreign national, non-resident alien, or if I do not reside in the United States, I agree to waive My right to file an action against You in any foreign venue.
No person shall bring a putative or certified class action to arbitration, nor seek to enforce any pre-dispute arbitration agreement against any person who has initiated in court a putative class action; or who is a member of a putative class who has not opted out of the class with respect to any claims encompassed by the putative class action until: (1) the class certification is denied; or (2) the class is decertified; or (3) the customer is excluded from the class by the court. Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this Agreement except to the extent stated herein.
This arbitration clause does not govern disputes related to the securities brokerage services provided by All of Us Securities, LLC. Provisions for arbitration of such disputes, as defined therein, are set forth in the Securities Customer Agreement.

E-delivery of documents

You acknowledge that by accepting this Agreement you are consenting to electronic delivery of documents and communications, and you authorize All of Us and the Clearing Firm to deliver documents and communications by the following means: (a) emailing to the email address specified by you and on record with the Firm and the Clearing Firm; (b) posting a communication on the website or making available, either on the Firm’s website or sent via email, links to other sites (such as the Clearing Firm) on the Internet where the communication can be read and printed; (c) sending you an email or other notice that directs you to an address on the Internet or a place within the website where the communication is posted and from which it can be read and printed. You acknowledge and agree that as a broker-dealer, All of Us is authorized to contact your trusted contact person and disclose information about your account to address possible financial exploitation, to confirm the specifics of your current contact information, health status, or the identity of any legal guardian, executor, trustee, or holder of a power of attorney, or as otherwise permitted by FINRA Rule 2165.

Service Eligibility and Obligations to Maintain Eligibility

The Services are not available for use by anyone that is not a legal adult. You agree to: (1) choose a strong and secure password; (2) keep your password secure and confidential; (3) not transfer any part of your account (e.g., connections) and (4) follow the law. You are responsible for anything that happens through your account unless you close it or report misuse. If you share your username and password within anyone, you are responsible for their actions using your account.

Disclaimer and Limitations of Liability

The content and the service are provided on an “As Is” and “As Available” basis. To the fullest extent permitted under applicable law, All of Us and the Third Party Providers and our respective affiliates, directors, officers, employees, agents, licensors, vendors, and successors (collectively, the “All of Us Parties”) expressly disclaim all warranties of any kind with respect to the content and the service, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement. The All of Us Parties do not guarantee the accuracy, timeliness, completeness or usefulness of the services and any content. You agree to use the content and the service only at your own risk.

The All of Us Parties do not explicitly or implicitly endorse or approve any Third Party Content. Third Party Content is provided for informational purposes only. All use of Third Party Content is at your sole risk. You are responsible for assessing the appropriateness and accuracy of all Third Party Content.

The Services and Content are not intended to provide financial, legal, tax or investment advice or recommendations. You are solely responsible for determining whether any investment, investment strategy or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your legal or tax professional regarding your specific situation.

The All of Us Parties will not be liable for any indirect, incidental, special consequential or exemplary damages, including, but not limited to, damages for loss of profits, revenue, income, goodwill, use, data or other intangible losses (even if the All of Us Parties have been advised of the possibility of such damages), resulting from: (1) the use of or the inability to use the content or the service; (2) the cost of procurement of substitute goods and services resulting from any goods, data, information or servides purchased or obtained or messages received or transactions entered into, through or from the service; (3) access to or alteration of your account, transmissions or data due to your conduct, inaction or negligence; or (4) any other matter relating to the content, the service, or this agreement. In any event, the total, aggregate liability of the All of Us Parties to you or any Third Party arising out of or in any way connected with this agreement, the services, and content shall not exceed one hundred dollars ($100.00). For the avoidance of doubt, no Third Party Provider will have any liability to you under this agreement, including with regard to the services and content, and you hereby waive all claims and damages, whether now known or later discovered, with regard to the Third Party Providers.

No Recommendations or Investment Advice

All of Us provides self-directed investors with self-directed brokerage services, and does not make recommendations or offer investment advice of any kind. You are solely responsible for evaluating the merits and risks associated with the use of any Content provided through the Service before making any decisions based on such Content. You hereby waive all claims and damages, whether now known or later discovered, against the All of Us Parties l arising from any decision you make based on the Content or other information made available to you through the Service or any Third Party Provider websites. Past performance data should not be construed as indicative of future results.

Content

Content posted on the Service is published as of its stated date or, if no date is stated, the date of first posting. Neither All of Us nor the Third Party Providers have undertaken any duty to update any such information.

All of Us does not prepare, edit, or endorse Third Party Content. All of Us does not guarantee the accuracy, timeliness, completeness or usefulness of Third Party Content, and is not responsible or liable for any content, advertising, products, or other materials on or available from third party sites.

You will not hold All of Us and/or any Third Party Provider liable in any way for (a) any inaccuracy of, error or delay in, or omission of the Content; or (b) any loss or damage arising from or occasioned by i) any error or delay in the transmission of such Content; ii) interruption in any such Content due either to any negligent act or omission by any party to any “force majeure” (e.g., flood, extraordinary weather conditions, earthquake or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications or power failure, equipment or software malfunction), or iii) to any other cause beyond the reasonable control of All of Us and/or Third Party Provider, or iv) non-performance.

Any price or information quotes may be delayed 20 minutes or longer, according to the rules and regulations applicable to exchanges and Third Party Providers. Neither All of Us nor the Third Party Providers make any representations, warranties or other guarantees as to the accuracy or timeliness of any price quotes. Neither All of Us nor the Third Party Providers make any representations, warranties or other guarantees as to the present or future value or suitability of any sale, trade or other transaction involving any particular security or any other investment.

Content is provided exclusively for personal and noncommercial access and use. No part of the Service or Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way (including “mirroring”) to any other computer, server, web site or other medium for publication or distribution or for any commercial enterprise, without All of Us’s express prior written consent.

Termination; Modification

You agree that, without notice, All of Us may terminate this Agreement; or suspend your access to the Service or the Content, with or without cause at any time and effective immediately. This Agreement will terminate immediately without notice from All of Us if you, in All of Us’s sole discretion, fail to comply with any provision of this Agreement. All of Us shall not be liable to you or any third party for the modification, discontinuation, termination or suspension of the Service or the Content, or any claims related to such termination or suspension.

All of Us and/or the Third Party Providers may, in their sole discretion, discontinue or modify the Services or Content, or any portion thereof, at any time. You release and agree to indemnify and hold harmless All of Us Parties, for any loss or damages arising from or relating to such discontinuation or modification.

Acceptable Use

By using the Service or the Content, you consent to any form of recording and retention of any communication, information and data exchanged between you and All of Us or its representatives or agents.

Some communications made at or through All of Us’s Blogs, Channels, Surveys, or other All of Us social utilities (collectively “Channels”) may be widely available to all All of Us members. Neither All of Us nor the Third Party Providers screen, review, approve or endorse any Third Party Content available on or through these channels. Reliance on any Third Party Content available on or through the Channels is at your own risk. When discussing a particular company, stock or security in the Channels, you agree to reveal any ownership interest in such company, stock or security.

In using the Content and Services, you agree not to do any of the following:

a) upload, post, transmit or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another's privacy (including, but not limited to, any address, email, phone number, or any other contact information without the written consent of the owner of such information), hateful, or racially, ethnically or otherwise objectionable;
b) harm minors in any way;
c) impersonate any person or entity, including, but not limited to, (i) a All of Us or Third Party Provider manager, employee, agent, or representative or (ii) Channel leader, guide or host;
d) falsely state or otherwise misrepresent your affiliation with any person or entity;
e) forge headers or otherwise manipulate identifiers in order to disguise the origin of any material;
f) upload, post or otherwise transmit any material that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
g) upload, post or otherwise transmit any material that infringes any patent, trademark, trade secret, copyright, rights of privacy or publicity, or other proprietary rights of any party;
h) upload, post, or transmit unsolicited commercial email or “SPAM,” including, but not limited to, unethical marketing, advertising, or any other practice that is in any way connected with SPAM, such as: (1) sending mass email to recipients who haven't requested email from you or with a fake return address; (2) promoting a site with inappropriate links, titles, or descriptions; or (3) promoting any site by posting multiple submissions in Channels that are identical;
i) upload, post or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
j) interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service;
k) intentionally or unintentionally violate any applicable local, state, national or international law, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange, and any regulations having the force of law;
l) “stalk” or otherwise harass another;
m) collect or store personal data about other users of the Service;
n) promote or provide instructional information about illegal activities, promote physical harm or injury against any group or individual, or promote any act of cruelty;
o) promote, offer for sale or sell any security or item, good or service that i) violates any applicable federal, state, or local law or regulation, ii) you do not have full power and authority under all relevant laws and regulations to offer and sell, including all necessary licenses and authorizations, or iii) All of Us or the Third Party Providers determine, in their sole discretion, is inappropriate for sale;
p) use the Channels as a forwarding service to another website; or
q) access or otherwise use the Channels in any unlawful manner, for any unlawful purpose or in violation of this Agreement.

Sharing

Our Services allow messaging and sharing of information in many ways. Information and content that you share or post may be seen by other Members. Where we have made settings available, we will honor the choices you make about who can see content or information.

Your License to All of Us

You own all of the content, feedback, and personal information you provide to us, but you also grant us a non-exclusive irrevocable, perpetual, fully paid-up, royalty-free, worldwide, transferable and sublicensable license to store, use, copy, modify, distribute, publish, process, and otherwise exploit, information and content that you provide through our Services and the services of others, without any further consent, notice and/or compensation to you or others. By submitting suggestions or other feedback regarding our Services to All of Us, you agree that All of Us can use and share (but does not have to) such feedback for any purpose, including the improvement of our products and services, without compensation to you. You agree to only provide content or information that does not violate the law nor anyone’s rights (including intellectual property rights). You also agree that your profile information will be truthful. All of Us may be required by law to remove certain information or content in certain countries.

When you publish content or information to the All of Us community, it means that you are allowing All of Us community members to access and use that information, and to associate it with you in those cases where you have not published content anonymously.

Limits on Our Service Obligations

We may change or discontinue any of our Services. We don’t promise to store or keep showing any information and content that you’ve posted.

All of Us is not a storage service. You agree that we have no obligation to store, maintain or provide you a copy of any content or information that you or others provide, except to the extent required by applicable law and as noted in our Privacy Policy.

By using the Services, you may encounter content or information that might be inaccurate, incomplete, delayed, misleading, illegal, offensive or otherwise harmful. All of Us generally does not review content provided by our Members or others. You agree that we are not responsible for others’ (including other Members’) content or information. We cannot always prevent this misuse of our Services, and you agree that we are not responsible for any such misuse. Your sole remedy in the event you encounter any offensive or inappropriate materials is to cease use of the Services or Content.

We reserve the right to limit your Use of our Services. We reserve the right to restrict, suspend, or terminate your account.

External Links

All of Us and/or the Third Party Providers may provide links to other websites or resources. Because neither All of Us or the Third Party Providers have any control over such sites and resources, you acknowledge and agree that neither All of Us nor the Third Party Providers are responsible for the availability of such external sites or resources. All of Us and the Third Party Providers do not endorse and are not liable for any content, advertising, products, or other materials on or available through such sites or resources. You further acknowledge and agree that the All of Us Parties shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

Applicable Policies

In addition to this Agreement, your access to and use of the Content and the Service is subject to All of Us’s then-current policies relating to the Content and the Service, including, without limitation, the All of Us Privacy Policy available on the Service. You agree to be bound by these policies and all other All of Us policies applicable to the access and use of the Content and the Service.

By using the Service, you are consenting to have your personal data transferred to and processed by All of Us and its affiliates. As part of providing you the Service, All of Us may need to provide you with certain communications, such as service announcements and administrative messages. These communications are considered part of the Service, which you may not be able to opt-out from receiving.

Notices

You agree that We will provide notices and messages to you in the following ways: (1) within the Service, or (2) sent to the contact information you provided us (e.g., email, mobile number, physical address). You agree to keep Your contact information up to date. Please review your settings to control and limit messages You receive from Us.

Intellectual Property Rights

All of Us reserves all right, title and interest in and to its intellectual property associated with the Services. Using the Services does not give you any ownership to or rights in our Services or the content or information made available through our Services. You acknowledge that All of Us is the sole owner of its All of Us Marks and that other marks used in connection with the Services are the property of their respective owners. You agree that you will not use any of the All of Us Marks or other marks used in connection with the Services for any purpose without the prior express written consent of All of Us or the respective owners.

Automated Information Processing

We will use the information and data that you provide and that we have about Members to provide information and analytical summaries that may be useful to our members. In many cases you have the right to opt out of being included in these analyses and you can control your settings in your profile section. Keeping your profile accurate and up-to-date helps us to make these activities more accurate and relevant.

Indemnification

You will indemnify, defend, and hold harmless the All of Us Parties from and against any and all claims, demands, actions, causes of action, liabilities, fines, sanctions, suits, proceedings, losses, damages, costs, and expenses, including reasonable attorneys' fees, arising from or relating to your access and/or use of, or interaction with the Services and Content (including, without limitation, Third Party Content), or any act, error, or omission of your use of your account or any user of your account, in connection therewith, including, but not limited to, matters relating to incorrect, incomplete, or misleading information; libel; invasion of privacy; infringement of a copyright, trade name, trademark, service mark, or other intellectual property; any defective product or any injury or damage to person or property caused by any products sold or otherwise distributed through or in connection with the Service; or violation of any applicable law.

Revisions; Entire Agreement

All of Us may at any time revise this Agreement by updating this document. You agree to be bound by subsequent revisions and agree to review our web site and this Agreement periodically for changes.

The most updated version of this Agreement will be available for your review under the “All of Us Master Customer Agreement” link that appears on the All of Us website and mobile application.

Your continued use of the Services will constitute your acceptance of any updates to the Agreement and your agreement to be bound by them.

This Agreement constitutes the entire understanding and agreement between the parties with respect to the transactions contemplated in this Agreement and supersedes all prior or contemporaneous oral or written communications with respect to the subject matter of this Agreement, all of which are merged in this Agreement. This Agreement may not be modified, amended or in any way altered except as provided in this Section. No amendment or modification proposed by you will be binding on All of Us unless executed in a separate writing signed by an officer of All of Us.

Applicable Law and Venue; Severability

You agree that this Agreement shall be governed by and interpreted in accordance with the laws of the State of California, without giving effect to principles of conflicts of law. Any legal action or proceeding arising under this Agreement will be brought exclusively in courts located in San Francisco, California, and you hereby irrevocably consent to the personal jurisdiction and venue therein. If any provision of this Agreement is deemed unlawful, void or for any reason unenforceable, then that provision will be deemed severable from this Agreement and will not affect the validity and enforceability of the remaining provisions. If we fail to enforce any of this Agreement, it will not be considered a waiver. You will not transfer any of your rights or obligations under this Statement to anyone else without our consent. All of our rights and obligations under this Statement are freely assignable by us in connection with a merger, acquisition, or sale of assets, or by operation of law or otherwise. We reserve all rights not expressly granted to you. Nothing in this Statement shall prevent us from complying with the law. You will comply with all applicable laws when using or accessing All of Us.

All of Us Customer Agreement

In consideration of All of Us Securities LLC and its agents and assigns (collectively, “All of Us Securities”, “You”, or “Your”) opening one or more accounts on My behalf (“My Account(s)” or the “Account(s)”), I represent and agree with respect to all Accounts, whether margin or cash, to the terms set forth below (the “Agreement”). When used in this Agreement, the words “I”, “Me”, “My”, “We”, or “Us” mean the owner(s) of the Account. For the avoidance of doubt, in the case of a joint account, the words “I”, “Me”, “My”, “We” or “Us” means each of the owners of the joint Account.

I understand that the terms and conditions of this agreement govern all aspects of My relationship with You regarding My accounts. I will carefully read, understand and accept the terms and conditions of this agreement, I will email support@allofusfinancial.com. I understand that clicking “submit application” or other similarly worded button is the legal equivalent of My manually signing this agreement and I will be legally bound by its terms and conditions. By entering into this agreement, I acknowledge receipt of the All of Us Privacy Policy and All of Us Privacy and Security Statement. I understand that this agreement may be amended from time to time by All of Us Securities, with revised terms posted on the All of Us website. I agree to check for updates to this agreement. I understand that by continuing to maintain My securities brokerage account without objecting to any revised terms of this agreement, I am accepting the terms of the revised agreement and I will be legally bound by its terms and conditions. If I request other services provided by All of Us Securities that require Me to agree to specific terms and conditions electronically (through clicks or other actions) or otherwise such terms and conditions will be deemed an amendment and will be incorporated into and made part of this agreement. I also understand that by clicking “submit application” I have acknowledged that this agreement contains a predispute arbitration clause in Section 31, Pages 23-24 herein.

1. Capacity and Status.

If an individual, I am of legal age under the laws of the state where I reside and authorized to enter into this Agreement. If an entity, I am duly formed, validly existing and in good standing in My state of organization, have full power and authority to enter and perform this Agreement, and the persons signing the account application are fully authorized to act on My behalf. No person, except Myself (or any person named in a separate agreement or joint account), has any interest in the Account opened pursuant to this Agreement. I acknowledge that unless You receive written objection from Me, You may provide My name, address, and securities positions to requesting companies in which I hold securities. Except as otherwise disclosed to You in writing, neither I nor any member of My immediate family is an employee of any exchange, any corporation of which any exchange owns a majority of the capital stock, a member of any exchange or self-regulatory organization, a member of any firm or member corporation registered on any exchange, a bank, trust company, insurance company or any corporation, firm or individual engaged in the business of dealing either as a broker-dealer or as principal in securities. I understand and agree that I am obligated to promptly notify You in writing if I or a member of My immediate family becomes registered or employed in any of the above-described capacities. Except as otherwise disclosed to You in writing, I am not a Professional (as defined below). I further agree to promptly notify You in writing if I am now or if I become a Professional or an officer, director or 10% stockholder of any publicly traded company.

2. Market Data.

All of Us Securities may choose to make certain market data available to You pursuant to the terms and conditions set forth in this Agreement and any additional terms made available with the data. By executing this Agreement, I agree to comply with those terms and conditions.

A) Definitions.

i. “Market Data” means (a) last sale information and quotation information relating to securities that are admitted to dealings on the New York Stock Exchange (“NYSE”), (b) such bond and other equity last sale and quotation information, and such index and other market information, as United States-registered national securities exchanges and national securities associations (each, an “Authorizing SRO”) may make available and as the NYSE may from time to time designate as “Market Data”; and (c) all information that derives from any such information.

ii. “Nonprofessional” means any natural person who receives market data solely for his/her personal, non- business use and who is not a “Professional.” A “Professional” includes an individual who, if working in the United States, is: (i) registered or qualified with the Securities and Exchange Commission (the “SEC”), the Commodity Futures Trading Commission (the “CFTC”), any state securities agency, any securities exchange or association, or any commodities or futures contract market or association; (ii) engaged as an “investment advisor” as that term is defined in Section 202 (a) (11) of the Investment Advisers Act of 1940 (whether or not registered or qualified under that Act), or (iii) employed by a bank or other organization exempt from registration under federal and/or state securities laws to perform functions that would require him or her to be so registered or qualified if he or she were to perform such functions for an organization not so exempt. A person who works outside of the United States will be considered a “Professional” if he or she performs the same functions as someone who would be considered a “Professional” in the United States.

B) Provisions Applicable to All Users.

i. Proprietary Nature of Data. I understand and acknowledge that each Authorizing SRO and Other Data Disseminator (as defined below) has a proprietary interest in the Market Data that originates on or derives from it or its market(s). I agree not to reproduce, distribute, sell or commercially exploit the Market Data in any manner.

ii. Enforcement. I understand and acknowledge that (a) the Authorizing SROs are third-party beneficiaries under this Agreement and (b) the Authorizing SROs or their authorized representative(s) may enforce this Agreement, by legal proceedings or otherwise, against Me or any person that obtains Market Data that is made available pursuant to this Agreement other than as this Agreement contemplates.

iii. Data Not Guaranteed. I understand that neither You nor any Authorizing SRO, other entity whose information is made available over the Authorizing SROs’ facilities (an “Other Data Disseminator”), or information processor that assists any Authorizing SRO or Other Data Disseminator in making Market Data available (collectively, the “Disseminating Parties”) guarantees the timeliness, sequence, accuracy, completeness, reliability, or content of Market Data or of other market information or messages disseminated to or by any Disseminating Party. I understand that neither All of Us Securities nor any Disseminating Party guarantees the timeliness, sequence, accuracy, completeness, reliability or content of market information, or messages disseminated to or by any party. I understand that neither All of Us Securities nor any Disseminating Party warrants that the service provided by any such entity will be uninterrupted or error-free. Neither All of Us Securities, any of its affiliates, their respective officers or employees, nor any disseminating party shall be liable in any way for (A) any inaccuracy, error or delay in, or omission of, (I) any market data, information or message, or (II) the transmission or delivery of any such data, information or message, or (B) any loss (as defined in this agreement) or damage arising from or occasioned by (I) any such inaccuracy, error, delay or omission, (II) non-performance or (III) interruption in any such market data, information, or message, whether due to any act or omission by All of Us Securities, any of its affiliates, their respective officers or employees, or any disseminating party, or to any “force majeure” (e.g., flood, extraordinary weather conditions, earthquake or other act of god, fire, war, insurrection, riot, labor dispute, accident, action of government, or communications or power failure, equipment or software malfunction) or any other cause beyond the reasonable control of All of Us Securities, its affiliates, their respective officers and employees, or any disseminating party.

iv. Permitted Use. I shall not furnish Market Data to any other person or entity. If I receive Market Data other than as a Nonprofessional, I shall use Market Data only for My individual use.

v. Dissemination, Discontinuance, or Modification. I understand and acknowledge that, at any time, the Authorizing SROs may discontinue disseminating any category of Market Data, may change or eliminate any transmission method and may change transmission speeds or other signal characteristics. The Authorizing SROs shall not be liable for any resulting liability, loss or damages that may arise therefrom.

vi. Duration; Survival. This Section 2 of this Agreement remains in effect for so long as I have the ability to receive Market Data as contemplated by this Section 2. In addition, Sections 2(B)(1)-(3) and the first two sentences of Section 2(B)(7), survive any termination of this Agreement.

vii. Miscellaneous. The laws of the State of New York shall govern this Section 2 and it shall be interpreted in accordance with those laws. This Subsection is subject to the Securities Exchange Act of 1934, the rules promulgated under that act, and the joint-industry plans entered into pursuant to that act

C) Provisions Applicable to Nonprofessionals.

i. Permitted Receipt. I understand that I may not receive Market Data from You as a Nonprofessional, and You may not provide Market Data to Me as a Nonprofessional, unless You first properly determine that I qualify as a Nonprofessional as defined above and I in fact qualify as a Nonprofessional. I agree that, as a prerequisite to All of Us Securities qualifying Me as a Nonprofessional, I will provide to You truthful and accurate information about Me, such as: My occupation, employer, employment position and functions; My use of Market Data; My registration status with any securities agency, exchange, association, or regulatory body, or any commodities or future contract market, association, or regulatory body, whether in the United States or elsewhere; and any compensation of any kind I may receive from any individual or entity for My trading activities, asset management, or investment advice. Except as otherwise declared to You in writing, by executing this Agreement, I certify that I meet the definition of Nonprofessional as set forth in this Agreement.

ii. Permitted Use. If I am a Nonprofessional, I agree to receive Market Data solely for My personal, non-business use.

iii. Notification. I shall notify You promptly in writing of any change in My circumstances that may cause Me to cease to qualify as a Nonprofessional.

3. NASDAQ OMX Information.

A) Definitions.
i. “Information” means certain market data and other data disseminated that has been collected, validated, processed, and recorded by any system NASDAQ OMX has developed for the creation or dissemination of Information or other sources made available for transmission to and receipt from either a distributor such as All of Us Securities or from NASDAQ OMX relating to: a) eligible securities or other financial instruments, markets, products, vehicles, indicators, or devices; b) activities of a NASDAQ OMX company; c) other information and data from a NASDAQ OMX company. “Information” also includes any element of Information as used or processed in such a way that the Information can be identified, recalculated or re-engineered from the processed Information or that the processed Information can be used as a substitute for Information.

ii. “NASDAQ OMX” means The NASDAQ OMX Group, Inc., a Delaware limited liability company and its subsidiaries and Affiliates (collectively “NASDAQ OMX”).

B) Use of Data.
I understand that I may use the Information only for personal use and not for any business purpose. I may not sell, lease, furnish or otherwise permit or provide access to the Information to any other natural person or entity (“Person”) or to any other office or place. I will not engage in the operation of any illegal business use or permit anyone else to use the Information, or any part thereof, for any illegal purpose or violate any NASDAQ OMX or SEC Rule or any FSA rule or other applicable law, rule or regulation. I may not present the Information rendered in any unfair, misleading or discriminatory format. I shall take reasonable security precautions to prevent any Person other than Myself from gaining access to the Information.

C) Proprietary Data.
I acknowledge and agree that NASDAQ OMX has proprietary rights to the Information that originates on or derives from markets regulated or operated by NASDAQ OMX, and compilation or other rights to Information gathered from other sources. I further acknowledge and agree that NASDAQ OMX’s third-party information providers have exclusive proprietary rights to their respective Information. In the event of any misappropriation or misuse by Me or anyone who accesses the Information through Me, NASDAQ OMX or its third-party information providers shall have the right to obtain injunctive relief for its respective materials.

D) System.
I acknowledge that NASDAQ OMX, in its sole discretion, may from time-to- time make modifications to its system or the Information. Such modifications may require corresponding changes to be made in All of Us Securities’ service. Changes or the failure to make timely changes by Me may sever or affect My access to or use of the Information. I understand that neither NASDAQ OMX nor You shall be responsible for such effects.

E) NASDAQ OMX Limitation of Liability.
Except as may otherwise be set forth herein, NASDAQ OMX shall not be liable to Me for indirect, special, punitive, consequential or incidental loss or damage (including, but not limited to, trading losses, lost profits, or other indirect loss or damage) of any nature arising from any cause whatsoever, even if NASDAQ OMX has been advised of the possibility of such damages. NASDAQ OMX shall not be liable to Me for any unavailability, interruption, delay, incompleteness or inaccuracy of the Information. This Section shall not relieve NASDAQ OMX or Me from liability for damages that result from their own gross negligence or willful tortious misconduct or from personal injury or wrongful death claims. I agree that the terms of this Section reflect a reasonable allocation of risk and limitation of liability.

F) Disclaimers of Warranties.
NASDAQ OMX and its third-party information providers make no warranties of any kind with respect to the Information—express, implied or statutory (including without limitation, timeliness, truthfulness, sequence, completeness, accuracy, freedom from interruption), any implied warranties arising from trade usage, course of dealing, course of performance or the implied warranties of merchantability or fitness for a particular use or purpose or non-infringement.

G) Termination by NASDAQ OMX.
I acknowledge that NASDAQ OMX, when required to do so in fulfillment of statutory obligations, may by notice to You unilaterally limit or terminate the right of any or all Persons to receive or use the Information and that You will comply with any such notice and will terminate or limit the furnishing of the Information.

4. Authorization.

I understand that My Account is self-directed. Accordingly, I appoint You as My agent for the purpose of carrying out My directions to You in accordance with the terms and conditions of this Agreement and any attendant risks with respect to the purchase or sale of securities. You are authorized to open or close My Account(s), place and withdraw orders and take such other steps as are reasonable to carry out My directions. All transactions will be effected only on My order or the order of My authorized delegate, except as described in Section 11. I understand All of Us Securities provides trading and brokerage services through the All of Us Securities website (the “Website”) and the All of Us Securities mobile application (the “App”). I agree to receive and transmit financial information through such electronic means. My use or My grant of access to My Account to any third party to access information or place transactions in My Account is solely at My risk. Use of the App and Website are subject to additional terms and conditions. I agree to be bound by and comply with those terms and conditions in My use of the App and Website.

5. Customer Representations and Responsibilities.

A) Self-directed Account.
I understand that My Account is self-directed, and so that I am solely responsible for any and all orders placed in My Account and that all orders entered by Me or on My behalf are unsolicited and based on My own investment decisions or the investment decision of My duly authorized representative or agent. Accordingly, I agree that neither You nor any of Your employees, agents, principals, or representatives:
provide investment advice in connection with this Account;
ii. recommend any security, transaction or order;
iii. solicit orders;
iv. make discretionary trades for this Account; and
v. produce or provide first-party research providing specific investment strategies such as buy, sell or hold recommendations, first-party ratings and/or price targets. To the extent research materials or similar information are available through the App or the Website or the websites of any entity controlled by, controlling, or under common control with All of Us Securities (such entity, an “Affiliate”), I understand that these materials are intended for informational and educational purposes only and they do not constitute a recommendation to enter into any securities transactions or to engage in any investment strategies.

B) Information Accuracy.
I: (i) certify that the information contained in this Agreement, the account application, and any other document that I furnish to You in connection with My Account(s) is complete, true and correct, and acknowledge that knowingly giving false information for the purpose of inducing You to extend credit is a federal crime; (ii) authorize You to contact any individual or firm noted herein or on the documents referred to in subsection (i) of this Section and any other normal sources of debit or credit information; (iii) authorize anyone so contacted to furnish such information to You as You may request; and (iv) agree that this Agreement, the account application and any other document I furnish in connection with My Account is Your property, as the case may be. I shall promptly advise You of any changes to the information in such agreements and documents in writing within thirty (30) calendar days. I authorize You to obtain reports and provide information to others concerning My creditworthiness and business conduct. Upon My request, You agree to provide Me a copy of any report so obtained. You may retain this Agreement, the Account application, and all other such documents and their respective records at Your sole discretion, whether or not credit is extended.

C) Risks.
I understand that all investments involve risk, that losses may exceed the principal invested, and that the past performance of a security, industry, sector, market, or financial product does not guarantee future results or returns.

D) Account Defaults.
I understand that My Account comes with many defaulted service instruction features and preferences. I further understand that I am not required to use these defaulted options or preferences and that once My Account is approved and opened I have the sole discretion to control and adjust such defaulted service preferences that relate to My account.

E) Knowledge of Account.
I understand that I am solely responsible for knowing the rights and terms for all securities purchased, sold and maintained in My Account including mergers, reorganizations, stock splits, name changes or symbol changes, dividends, option symbols, and option deliverables. I further understand that certain securities may grant Me valuable rights that may expire unless I take specific action. These securities include bonds, convertible securities, warrants, stock rights and securities subject to exchange offers or tenders. I am responsible for knowing all expiration dates, redemption dates, and the circumstances under which rights associated with My securities may be called, cancelled, or modified. You may, but are not obligated to, notify Me of any upcoming expiration or redemption dates, or take any action on My behalf without My specific instructions except as required by law and the rules of regulatory authorities. I acknowledge that You may adjust My Account to correct any error. If My Account has an option position on the last trading day prior to expiration, which is one cent or more in the money, You will generally exercise the option, on My behalf. However, You reserve the right at Your discretion to close any option position prior to expiration date or any position resulting from the exercising/assignment after option expiration. I will be charged a commission for any such transaction. You are not obligated to take any of these actions and You are not liable for Losses should You not take them.

F) Purchases.
All orders for the purchase of securities given for My Account will be authorized by Me and executed in reliance on My promise that an actual purchase is intended. It is My obligation to pay for purchases immediately or on Your demand. I understand You may at any time, in its sole discretion and without prior notice to Me, prohibit or restrict My ability to trade securities. I further agree not to allow any person to trade for My Account unless a trading authorization for that person has been received and approved by You. You reserve the right to require full payment in cleared funds prior to the acceptance of any order. In the event that I fail to provide sufficient funds, You may, at Your option and without notice to Me, i) charge a reasonable rate of interest, ii) liquidate the Property subject of the buy order, or iii) sell other Property owned by Me and held in any of My Accounts. You may also charge any consequential Loss to My Account. For purposes of this Agreement, “Property” shall mean all monies, contracts, securities, investments and options, whether for present or future delivery, and all related distributions, proceeds, products and accessions. This includes all such Property held, maintained or carried by Apex Clearing Corporation (“Apex”) in any manner for Me.

G) Sales/Short Sales.
I promise to deliver all securities sold in My Account and to borrow securities or provide collateral of a type and amount acceptable to All of Us Securities for all short sales in My Account. All of Us Securities requires that a security be held in My Account prior to the acceptance of a sell order with respect to such security unless the order is specifically designated as a “short sale.” If a security is not held in My Account and a sell order is processed that is not specifically designated as a “short sale”, I must promptly deliver such security to All of Us Securities for receipt in good deliverable form on or before the settlement date. Any sell order that is not specifically designated as a “short sale” that is accepted without negotiable certificates or positions in My Account will be subject, at All of Us Securities’ sole discretion, to cancellation or buy-in. To ensure this will not occur, I agree to only place sell orders that are not specifically designated as a “short sale” for securities owned by Me and held in My Account at the time My order is placed.
Proceeds of a sale that is not specifically designated as a “short sale” will not be paid to Me or released into My Account until All of Us Securities has received the security in good deliverable form, whether from a transfer agent or from Me and the settlement of the security is complete. Proceeds of a sale that is specifically designated as a “short sale” will not be paid to Me or released into My Account until the security is successfully borrowed and settlement of the security is complete. If the security is not received (or successfully borrowed in the case of a “short sale”) on or before settlement date, or as market conditions warrant, All of Us Securities may in its sole discretion purchase the security on the open market for My Account and may liquidate and close out any and all securities in My Account in order to pay for such purchase. In the event a security is bought in, I will be responsible for all resulting Losses incurred by All of Us Securities.
I understand that I may execute short sales only in a margin Account (See All of Us Margin Agreement, All of Us Margin Disclosure Statement, APEX Customer Margin and Short Account Agreement and APEX Master Securities Lending Agreement for more information) and that such execution must comply with applicable short sales rules.

H) Assistance by All of Us Securities.
I understand that when I request assistance from You or Your employees in using the investment tools available on the Website or the App, it will be limited to an explanation of the tool’s functionality and, if requested by Me, to the entry by You or Your employees of variables provided by Me, and that such assistance does not constitute investment advice, an opinion with respect to the suitability of any transaction, or solicitation of any orders.

I) No Tax or Legal Advice.
I understand that All of Us Securities does not provide tax or legal advice.

J) Discontinuation of Services.
I understand that You may, without cause or liability, discontinue My Account and any services related to My Account immediately by providing written notice to Me.

K) Electronic Access.
I am solely responsible for keeping My Account numbers and PINs confidential and will not share them with third parties. “PINs” shall mean My username and password.
ii. I agree and accept full responsibility for monitoring and safeguarding My Accounts and access to My Accounts.
iii. I agree to immediately notify You in writing, delivered via e-mail and a recognized international delivery service, if I become aware of: (i) any loss, theft, or unauthorized use of My PINs or Account numbers; (ii) any failure by Me to receive any communication from You indicating that an order was received, executed or cancelled, as applicable; (iii) any failure by Me to receive an accurate written confirmation of an order, execution, or cancellation; (iv) any receipt by Me of confirmation of an order, execution or cancellation, which I did not place; (v) any inaccurate information in or relating to My orders, trades, margin status, Account balances, deposits, withdrawals, securities positions or transaction history; or (vi) any other unauthorized use or access of My Account.
iv. Each of the events described in subsections (K)(3)(i)-(vi) shall be deemed a “Potential Fraudulent Event”. The use and storage of any information including My Account numbers, PINs, portfolio information, transaction activity, account balances and any other information or orders available on My wireless, web- enabled cellular telephone or similar wireless communications device (collectively, “Mobile Device”) or My personal computer is at My own risk and is My sole responsibility. I represent that I am solely responsible for and have authorized any orders or instructions appearing in, originating from, or associated with My Account, My Account number, My username and password, or PINs. I agree to notify You immediately after I discover any Potential Fraudulent Event, but in no event more than twenty-four (24) hours following discovery. Upon request by You, I agree to report any Potential Fraudulent Event promptly to legal authorities and provide You a copy of any report prepared by such legal authorities. I agree to cooperate fully with the legal authorities and You in any investigation of any Potential Fraudulent Event and I will complete any required affidavits promptly, accurately and thoroughly. I also agree to allow You access to My Mobile Device, My computer, and My network in connection with Your investigation of any Potential Fraudulent Event. I understand that if I fail to do any of these things I may encounter delays in regaining access to the funds in My Account. I agree to indemnify and hold You, Your Affiliates, and Your and Your Affiliates’ respective officers, directors, and employees harmless from and against any Losses arising out of or relating to any Potential Fraudulent Event. I acknowledge that You do not know when a person entering orders with My username and password is Me.
v. Trusted Contact Person. I understand that, pursuant to FINRA regulations, You are authorized to contact the Trusted Contact Person (as define by FINRA Rule 4512) designated for My Account and to disclose information about My account to address possible financial exploitation, to confirm the specifics of the customer’s current contact information, health status, or the identity of any legal guardian, executor, trustee or holder of a power of attorney, or as otherwise permitted by FINRA Rule 2165.

6. Clearance of Trades.
I understand that You have entered into a clearing agreement with Apex whereby You will introduce My Account to Apex, and Apex will clear all transactions, on a fully-disclosed basis. I understand that Apex carries My Account(s) and is responsible for the clearing and bookkeeping of transactions, but is not otherwise responsible for the conduct of All of Us Securities.
Until receipt from Me of written notice to the contrary, Apex may accept from All of Us Securities, without inquiry or investigation, (i) orders for the purchase or sale of securities and other property on margin, if I have elected to have a margin account, or otherwise, and (ii) any other instructions concerning My Accounts. Apex shall look solely to All of Us Securities unless otherwise directed by All of Us Securities, and not to Me, with respect to any such orders or instructions; except that I understand that Apex will deliver confirmations, statements, and all written or other notices with respect to My Account directly to Me with copies to All of Us Securities, and that Apex will look directly to Me or All of Us Securities for delivery of margin, payment, or securities. I agree to hold Apex harmless from and against any Losses arising in connection with the delivery or receipt of any such communication(s), provided Apex has acted in accordance with the above. The foregoing shall be effective as to My Account(s) until written notice to the contrary is received from Me by Apex or All of Us Securities.

7. Review of Confirmations and Statements.
I agree that it is My responsibility to review order execution confirmations and statements of My Account(s) promptly upon receipt. I agree to receive all confirmations and account statements, as well as all tax related documents, in electronic format. I understand that account statements will evidence all activity in My Account for the stated period, including securities transactions, cash balances, credits to My Account and all fees paid from My Account. Notwithstanding Section 34(B), confirmations will be considered binding on Me unless I notify You of any objections within two (2) calendar days from the date confirmations are sent. Account statements will be considered binding on Me unless I notify You of any objections within ten (10) calendar days after My Account statements are posted online. Such objection may be oral or in writing, but any oral objection must be immediately confirmed in writing. In all cases, You reserve the right to determine the validity of My objection. If I object to a transaction for any reason, I understand and agree that I am obligated to take action to limit any losses that may result from such transaction or I will bear sole responsibility for any losses relating to the transaction, even if My objection to the transaction is ultimately determined to be valid. Nothing in this Section 7 shall limit My responsibilities as described in Section 5 of this Agreement.

8. Important Information Needed to Open a New Account.
To help the government better detect the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. Therefore, I understand that when I open My Account You will ask for My name, address, date of birth and other identifying information. You may also ask for copies of My driver’s license, passport or other identifying documents. I understand that You may take steps to verify the accuracy of the information I provide to You in My Account application or otherwise, and that You may restrict My access to My Account pending such verification. I will provide prompt notification to You of any changes in the information including My name, address, e-mail address and telephone number.

9. SIPC and Other Insurance Coverage.
I understand that All of Us Securities and Apex are both members of the Securities Investor Protection Corporation (“SIPC”), which provides protection for accounts up to $500,000 (including $250,000 for claims of cash) per client as defined by SIPC rules. An explanatory brochure is available upon request via telephone at (202) 371-8300 or at www.sipc.org. I also understand that Apex has purchased an additional insurance policy through a group of London Underwriters (with Lloyd’s of London Syndicates as the Lead Underwriter) to supplement SIPC protection. The leader of the excess of SIPC coverage program is Lloyd’s of London. The excess of SIPC coverage does not protect against loss due to market fluctuation. An excess of SIPC claim would only arise if Apex were to fail financially and customer assets for covered accounts, as defined by SIPC (for Apex accounts), cannot be located due to theft, misplacement, destruction, burglary, robbery, embezzlement, abstraction, failure to obtain or maintain possession or control of client securities, or to maintain the special reserve bank account required by applicable rules. This additional insurance policy becomes available to customers in the event that SIPC limits are exhausted.

10. Telephone Conversations and Electronic Communications.
I understand and agree that You may record and monitor any telephone or electronic communications with Me. Unless otherwise agreed in writing in advance, You do not consent to the recording of telephone conversations by any third party or Me. I acknowledge and understand that not all telephone or electronic communications are recorded by You, and You do not guarantee that recordings of any particular telephone or electronic communications will be retained or capable of being retrieved.

11. Oral Authorization.
I agree that You shall be entitled to act upon any oral instructions given by Me so long as You reasonably believe such instruction was actually given by Me or My authorized agent.

12. Applicable Laws and Regulations.
All transactions in My Account will be subject to federal securities laws and regulations, the applicable laws and regulations of any state or jurisdiction in which All of Us Securities is registered, the rules of any applicable self-regulatory organization of which All of Us Securities is a member and the rules, regulations, customs and usages of the exchange or market, and its clearing house, if any, where the transactions are executed. In no event will All of Us Securities be obligated to affect any transaction it believes would violate any federal or state law, rule or regulation or the rules or regulations of any regulatory or self-regulatory organization. The provisions of Paragraph 2 of this Agreement are governed by New York law and otherwise as set forth therein.

13. Erroneous Distributions.
I agree to promptly return to You any assets erroneously distributed to Me. In the event that I sell a security prior to its ex-dividend/distribution date, and I receive the related cash/stock dividend or distribution in error, I direct You on My behalf to pay such dividend/distribution to the entitled purchaser of the securities I sold, and I guarantee to promptly reimburse You for, or deliver to You, said dividend or distribution.

14. Market Volatility; Market Orders; Limit Orders; and Queued Orders.
I understand that, whether I place a market or limit order, I will receive the price at which My order is executed in the marketplace, subject to any clarification stated below. Particularly during periods of high volume, illiquidity, fast movement or volatility in the marketplace, the execution price received may differ from the quote provided on entry of an order, and I may receive partial executions of an order at different prices. I understand that All of Us Securities is not liable for any price fluctuations. I also understand that price quotes generally are for only a small number of shares as specified by the marketplace, and larger orders are relatively more likely to receive executions at prices that vary from the quotes or in multiple lots at different prices.
I understand that All of Us Securities may at its sole discretion collar all market buy orders by using limit orders priced up to a percentage above the last trade price, where such percentage is at All of Us’s sole discretion. I further understand that All of Us Securities may at its sole discretion collar all market sell orders by using limit orders priced down to a percentage below the last trade price, where such percentage is at All of Us’s sole discretion. I further understand that when I send a market buy order through All of Us Securities’ trading system, the trading system may generate a limit order up to such fixed percentage above the last trade price, and then All of Us Securities sends the order to an executing broker or exchange. I further understand that when I send a market sell order through All of Us Securities’ trading system, the trading system may generate a limit order down to such fixed percentage below the last trade price, and then All of Us Securities sends the order to an executing broker or exchange. I understand that All of Us Securities’ implementation of market buy orders and market sell orders may vary depending on prices of instruments, market conditions, and other factors. I further understand that All of Us Securities will round order prices to conform to the appropriate pricing rules as specified by the SEC, executing broker, or exchange. I understand that securities may open for trading at prices substantially higher or lower than the previous closing price or the anticipated price. If I place a market order (whether during normal market hours or when the market is closed), I agree to pay or receive the prevailing market price at the time My market order is executed, subject to the specific clarifications above. I understand that the price I pay may be significantly higher or lower than anticipated at the time I placed the order. To avoid buying a security at a higher price and possibly exceeding My purchasing power, I understand My option to enter a limit order. I also understand that limit orders may not be executed at any particular time, or at all, if there is not sufficient trading at or better than the limit price I specify, and are only good until the end of the trading day specified in the order. The Website contains further information regarding order types and limitations, which I agree to read and understand before placing such orders.
As a customer of All of Us Securities, I understand that after the market has closed for the day, I may have the ability to place in a queue order requests to be executed the following day upon the opening of the market (“Queued Order”). I understand that My Queued Order request is prioritized based on the order in which it is received by All of Us Securities, and that the Queued Order requests are sent out for execution shortly after the market opens on the next day of trading. I further understand that each Queued Order request is sent out per customer and per security as specified and that they are not aggregated.
A limit order may be “good till cancelled” which means the order remains valid until (A) it is executed; (B) I cancel the order; (C) approximately 90 days from when the order is placed; or (D) the contract to which it relates is closed. I further agree that any “good till cancelled” orders I place should be treated as “do not reduce” orders.

15. Bulletin Board/Pink Sheet Stocks.
Bulletin board, pink sheet and other thinly-traded securities (collectively “bulletin board stocks”) present particular trading risks, in part because they are relatively less liquid and more volatile than actively traded securities listed on a major exchange. I understand that bulletin board stocks may be subject to different trading rules and systems than other securities and that I may encounter significant delays in executions, reports of executions, and updating of quotations in trading bulletin board stocks. All of Us Securities in its sole discretion may require limit orders on certain bulletin board stock transactions.

16. Margin Trading.
I understand that margin trading involves interest charges and risks, including the potential to lose more than deposited or the need to deposit additional collateral in a falling market. Before using margin, customers must determine whether this type of trading strategy is right for them given their specific investment objectives, experience, risk tolerance, and financial situation. If I have elected to have a margin Account, I represent that I have read the All of Us Margin Agreement, All of Us Margin Disclosure Statement, APEX Customer Margin and Short Account Agreement, All of Us Day Trading Risk Disclosure, and FINRA Margin Account Risk Information. These disclosures contain information on All of Us Securities’ lending policies, interest charges, and the risks associated with margin accounts.
I understand that free-riding (i.e., buying and selling securities in a cash account without submitting payment for the purchase) violates Regulation T of the Federal Reserve Board, is prohibited and may, among other things, result in My account being restricted or closed.

17. Research and Internet Links.
News, research, links to outside websites, and other information accessible through the App or Website (“Content”) may be prepared by independent external providers not affiliated with All of Us Securities (all such providers, the “Providers”). I agree not to distribute, reproduce, sell, or otherwise commercially use the Content in any manner. I understand that You may terminate My access to the Content. I understand that none of the Content is a recommendation by You to buy or sell any securities or to engage in any investment strategy.

18. Restrictions on Trading.
I understand that You may, in Your discretion, prohibit or restrict the trading of securities, or the substitution of securities, in any of My Accounts. I understand that You may execute all orders by Me on any exchange or market, unless I specifically instruct You to the contrary. In the event of a breach or default by Me under this Agreement, You shall have all rights and remedies available to a secured creditor under all applicable laws and in addition to the rights and remedies provided herein. I understand that You may at any time, at Your sole discretion and without prior notice to Me: (i) prohibit or restrict My access to the use of the App or the Website or related services and My ability to trade, (ii) refuse to accept any of My transactions, (iii) refuse to execute any of My transactions, or (iv) terminate My Account. The closing of My Account will not affect the rights or obligations of either party incurred prior to the date My Account is closed.
Further, You will not tolerate any foul or abusive language, physical violence, threatening behavior, or other inappropriate conduct directed toward Your and Your Affiliates’ officers, employees, contractors or customers. If I engage in any such behavior, as determined by You in Your sole discretion, I agree that You are authorized to: (i) liquidate any securities, instruments or other property in My Account, (ii) send Me the proceeds, and (iii) close My account. You will not be responsible for any Losses caused by the liquidation of securities, instruments or other property pursuant to this paragraph, including any tax liabilities.

19. Waiver; Limitation of Liability; Indemnification.
I agree that My use of the App or the Website or any other service provided by All of Us Securities or its Affiliates is at My sole risk. The All of Us Securities service (including the App, the Website, the provision of Market Data, Information, Content, or any other information provided by All of Us Securities, any of its Affiliates, or any third-party content provider or market data provider) is provided on an “as is,” “as available” basis without warranties of any kind, either express or implied, statutory (including without limitation, timeliness, truthfulness, sequence, completeness, accuracy, freedom from interruption), implied warranties arising from trade usage, course of dealing, course of performance, or the implied warranties of merchantability or fitness for a particular purpose or application, other than those warranties which are implied by and incapable of exclusion, restriction or modification under the laws applicable to this Agreement.
I understand and agree that You, Your affiliates, Your respective officers, directors, and employees, and the providers will not be liable to Me or to third parties under any circumstances, or have any responsibility whatsoever, for any special, indirect, incidental, punitive or consequential damages (including lost profits, trading losses, and damages) that I may incur in connection with My use of the service provided by You under this agreement, including My use of the app, the website, the market data, the information, or the content. You, Your affiliates, and Your respective officers, directors, and employees shall not be liable by reason of delays or interruptions of the service or transmissions, or failures of performance of Your system, regardless of cause, including those caused by governmental, or regulatory action, the action of any exchange or other self-regulatory organization, or those caused by software or hardware malfunctions.
To the extent permitted by law, You, Apex or any of Your or Apex’s affiliates or respective partners, officers, directors, employees or agents (collectively, “Indemnified Parties”) shall not be liable for any expenses, losses, costs, damages, liabilities, demands, debts, obligations, penalties, charges, claims, causes of action, penalties, fines and taxes of any kind or nature (including legal expenses and attorneys’ fees) (whether known or unknown, absolute or contingent, liquidated or unliquidated, direct or indirect, due or to become due, accrued or not accrued, asserted or un-asserted, related or not related to a third party claim, or otherwise) (collectively, “Losses”) by or with respect to any matters pertaining to My Account, except to the extent that such Losses are actual Losses and are determined by a court of competent jurisdiction or an arbitration panel in a final non-appealable judgment or order to have resulted solely from Your, Apex’s or any of Your or Apex’s affiliates’ gross negligence or intentional misconduct; further provided, that You or Your Affiliates shall not be liable for any Losses that have resulted from Apex’s or any of Apex’s affiliates’ gross negligence or intentional misconduct. In addition, I agree that the Indemnified Parties shall have no liability for, and I agree to indemnify, defend and hold harmless the Indemnified Parties from all Losses that result from: (i) any noncompliance by Me with any of the terms and conditions of this Agreement; (ii) any third-party actions related to My receipt and use of any Information, Market Data, Content, market analysis, other third-party content, or other such information obtained on the App or Website, whether authorized or unauthorized under this Agreement; (iii) any third-party actions related to My use of the App or the Website; (iv) My or My agent’s misrepresentation or alleged misrepresentation, or act or omission; (v) Indemnified Parties following My or My agent’s directions or instructions, or failing to follow My or My agent’s unlawful or unreasonable directions or instructions; (vi) any activities or services of the Indemnified Parties in connection with My Account (including any technology services, reporting, trading, research or capital introduction services); or (vii) the failure by any person not controlled by the Indemnified Parties and their affiliates to perform any obligations to Me. Further, if I authorize or allow third parties to gain access to Your services, including My Accounts, I will indemnify, defend and hold harmless You, Your Affiliates, and Your and Your Affiliates’ respective officers and employees against any Losses arising out of claims or suits by such third parties based upon or relating to such access and use.
All of Us Securities does not warrant against loss of use or any direct, indirect or consequential damages or Losses to Me caused by My assent, expressed or implied, to a third party accessing My Account or information, including access provided through any other third party systems or sites.
I consent to the use of automated systems or service bureaus by You and Apex and Your respective affiliates in conjunction with My Account, including automated order entry and execution, record keeping, reporting and account reconciliation and risk management systems (collectively “Automated Systems”). I understand that the use of Automated Systems entails risks, such as interruption or delays of service, errors or omissions in the information provided, system failure and errors in the design or functioning of such Automated Systems (collectively, a “System Failure”) that could cause substantial damage, expense, or liability to Me. I understand and agree that Indemnified Parties will have no liability whatsoever for any of My Losses arising out of or relating to a System Failure.
I also agree that Indemnified Parties will have no responsibility or liability to Me in connection with the performance or non-performance by any exchange, clearing organization, market data provider, or other third party (including other broker-dealers and clearing firms, and banks) or any of their respective agents or affiliates, of its or their obligations relative to any securities. I agree that Indemnified Parties will have no liability, to Me or to third parties, or responsibility whatsoever for: (i) any Losses resulting from a cause over which Indemnified Parties do not have direct control, including the failure of mechanical equipment, unauthorized access, theft, operator errors, government restrictions, force majeure (as defined in this Agreement), market data availability or quality, exchange rulings or suspension of trading; and (ii) any special, indirect, incidental, consequential, punitive or exemplary damages (including lost profits, trading losses and damages) that I may incur in connection with My use of the App, the Website, Your or Apex’s brokerage, and other services provided by Indemnified Parties under this Agreement. Further, if I authorize or allow third parties to gain access to Your services, including My Accounts, I will indemnify, defend and hold harmless You, Your affiliates, and Your and Your affiliates’ respective officers and employees against any Losses arising out of claims or suits by such third parties based upon or relating to such access and use.

20. Mutual Fund Transactions.
In the event that I purchase or hold a mutual fund, I agree to read and understand the terms of its prospectus. I understand that certain mutual funds reserve the right to change their purchasing, switching or redemption procedures or suspend or postpone redemptions under certain market conditions. I further understand that any mutual fund order entered with You is placed by You on a best efforts basis as prescribed and recognized by the individual fund, and that You are not responsible for unexecuted orders due to the failure of any communication system. I agree to be fully responsible for the information contained within the mutual fund prospectus and to hold You, Your Affiliates, and Your and Your Affiliates’ respective officers and employees harmless for any deficiencies contained therein. I authorize You to act as My agent in the purchase and redemption of fund shares.

21. Exchange Traded Funds.
I understand that I should consider the investment objectives and unique risk profile of Exchange Traded Funds (“ETFs”) carefully before investing, and that ETFs are subject to risks similar to those of other diversified portfolios. I further understand that leveraged and inverse ETFs may not be suitable for all investors and may increase exposure to volatility through the use of leverage, short sales of securities, derivatives, and other complex investment strategies, and that although ETFs are designed to provide investment results that generally correspond to the performance of their respective underlying indices, they may not be able to exactly replicate the performance of the indices because of expenses and other factors. I further understand that ETFs are required to distribute portfolio gains to shareholders at year end, which may be generated by portfolio rebalancing or the need to meet diversification requirements, and that ETF trading will also generate tax consequences. I understand that I can obtain prospectuses from issuers or their third party agents who distribute and make prospectuses available for review. Additional information and regulatory guidance on ETFs can be found in the All of Us ETF Disclosure Statement.

22. Joint Accounts; Indemnification.
Where I open a joint account, it shall be held by You in joint tenancy with rights of survivorship, unless I notify You otherwise and provide the required documentation. For tenants in common, the interest in the tenancy shall be equal, unless We notify You otherwise. If the Account is a joint account, then in consideration of Your carrying a joint account for Us, We jointly and severally agree to be fully and completely responsible and liable for the Account and to pay on demand any balance due. Each of Us, or any person authorized to act on behalf of the Account under a separate agreement, has full power and authority to make purchases and sales, withdraw funds and securities from, or to do anything else with reference to the Account. You are authorized and directed to act upon instructions received from any of Us. We understand that tax reporting information is processed using the social security number of the person first named in the registration. Each of Us agrees to hold harmless You, Your Affiliates, and Your and Your Affiliates’ respective officers and employees from and indemnify them against any Losses arising from or as the result of You, Your Affiliates, and Your and Your Affiliates’ officers and employees following the directions or instructions of any of Us, or failing to follow the unlawful or unreasonable directions or instructions of any of Us. You in Your sole discretion may at any time suspend all activity in the Account pending instructions from a court of competent jurisdiction or require that instructions pertaining to the Account or the Property therein be in writing, signed by all of Us. You may recover from the Account or from any of Us such costs as You may incur, including reasonable attorney’s fees, as the result of any dispute among Us relating to or arising from the Account. Upon any event that causes a change in the ownership of the Account (divorce, death, assignment, etc.), all remaining account holders or survivors shall immediately notify You in writing. You may take such actions in the Account as You deem advisable to protect against any Loss under any present or future laws or otherwise. The estate of the decedent or departing account holder shall be liable together with each of the remaining or surviving account holders, jointly and severally, to You for any net debit balance or loss in the Account in any way resulting from any transactions initiated prior to notification to You or incurred in the liquidation of the Account or the adjustment of the interests of the respective parties, and for all other obligations pursuant to this Agreement. I understand that Legal ownership of our Accounts shall be governed by the internal laws of the state of residence of the person first named in the registration. I also understand that laws covering joint or community property vary by state and that I am responsible for verifying that the joint registration I choose is valid in My state. Accordingly, I acknowledge that You have encouraged Me to consult My own attorney for this purpose.
In the event of a dispute between or among account holders of which All of Us Securities has notice, All of Us Securities reserves the right, but is not obligated, to place restrictions on the Account. For example, if an Account holder requests a restriction be placed on access to funds in the Account because of a pending litigation or dispute between Account holders, All of Us Securities may prohibit all transfers of funds from the Account, with such restrictions to remain in place until All of Us Securities actually receives and has a reasonable amount of time to act on appropriate court documentation or a written, notarized instruction signed by all Account holders. In such a case, all Account holders remain liable for any pending settlements at the time of the restriction. All of Us Securities also may, at the expense of the Account holders, commence or defend any action or proceeding for or in the nature of interpleader to have the dispute resolved judicially. If a suit or proceeding for or in the nature of interpleader is brought by or against it, All of Us Securities may deliver the Account into the registry of the court, at which time All of Us Securities will be deemed to be and will be released and discharged from all further obligations and responsibilities under this Agreement.

23. Effect of Attachment or Sequestration of Accounts.
You shall not be liable for refusing to obey any orders given by or for Me with respect to any of My Accounts that has or have been subject to an attachment or sequestration in any legal proceeding against Me, and You shall be under no obligation to contest the validity of any such attachment or sequestration.

24. Event of Death.
It is agreed that in the event of My death or the death of one of the joint Account holders, the representative of My estate or the survivor or survivors shall immediately give You written notice thereof, and You may, before or after receiving such notice, take such proceedings, require such papers and inheritance or estate tax waivers, retain such portion of, or restrict transactions in the Account as You may deem advisable to protect You against any tax, liability, penalty or loss under any present or future laws or otherwise. Notwithstanding the above, in the event of My death or the death of one of the joint Account holders, all open orders shall be canceled, but You shall not be responsible for any action taken on such orders prior to the actual receipt of notice of death. Further, You may in Your discretion close out any or all of the Accounts without awaiting the appointment of a personal representative for My estate and without demand upon or notice to any such personal representative. The estate of any of the Account holders who have died shall be liable and each survivor shall continue to be liable, jointly and severally, to You for any net debit balance or loss in said account in any way resulting from the completion of transactions initiated prior to the receipt by You of the written notice of the death of the decedent or incurred in the liquidation of the Account or the adjustment of the interests of the respective parties, and for all other obligations pursuant to this Agreement. Such notice shall not affect Your rights under this Agreement to take any action that You could have taken if I had not died.

25. Tax Reporting; Tax Withholding.
The proceeds of sale transactions and dividends paid will be reported to the Internal Revenue Service (“IRS”) in accordance with applicable law.
A) U.S. Persons.
This subsection is applicable if I am a U.S. person. Under penalties of perjury, I certify that the taxpayer identification number that I have provided or will provide to You (including any taxpayer identification number on any Form W-9 that I have provided or will provide to You) is My correct taxpayer identification number. I certify that I am not subject to backup withholding and I am a United States Person (including a U.S. resident alien) as such term is defined in section 7701(a)(30) of the Internal Revenue Code of 1986, as amended (“U.S. Person”). If a correct Taxpayer Identification Number is not provided All of Us Securities, I understand I may be subject to backup withholding tax at the appropriate rate on all dividends, interest and gross proceeds paid to Me. Backup withholding taxes are sent to the IRS and cannot be refunded by All of Us Securities. I further understand that if I waive tax withholding and fail to pay sufficient estimated taxes to the IRS, I may be subject to tax penalties.
B) Non-U.S. Persons.
This subsection is applicable if I am not a U.S. Person. I certify that I fully understand all the information on any Form W-8BEN that I have submitted or will submit to You. Under penalties of perjury, I declare that (i) I have examined all the information (including all the information in the English language) on any Form W- 8BEN that I have submitted or will submit to You and (ii) to the best of My knowledge and belief all such information is true, correct, and complete. I authorize You to provide any such Form W-8BEN to Apex or any withholding agent that has control, receipt, or custody of the income of which I am the beneficial owner or any withholding agent that can disburse or make payments of the income of which I am the beneficial owner. I agree that I will submit a new Form W-8BEN to You within 30 calendar days if any certification made on any previously submitted Form W-8BEN becomes incorrect. I understand that the IRS does not require My consent to any provisions of such Form W-8BEN other than the certifications required to establish My status as a non-U.S. Person and, if applicable, obtain a reduced rate of withholding.

26. Equity Orders and Payment For Order Flow.
SEC rules require all registered broker- dealers to disclose their policies regarding any “payment for order flow” arrangement in connection with the routing of customer orders. “Payment for order flow” includes, among other things, any monetary payment, service, property, or other benefit that results in remuneration, compensation, or consideration to a broker-dealer from any broker-dealer in return for directing orders. I understand that You transmit customer orders for execution to various exchanges or market centers based on a number of factors. These include: size of order, trading characteristics of the security, favorable execution prices (including the opportunity for price improvement), access to reliable market data, availability of efficient automated transaction processing and reduced execution costs through price concessions from the market centers. I further understand that certain of the exchanges or market centers may execute orders at prices superior to the publicly quoted market in accordance with their rules or practices and that while a customer may specify that an order be directed to a particular market center for execution, the order-routing policies, taking into consideration all of the factors listed above, are designed to result in favorable transaction processing for customers. The nature and source of any payments or credits received by You in connection with any specific transactions will be furnished upon written request.

27. Free Credit Balances.
Free credit balances may accrue and may accrue interest. Any accrued interest will be calculated on a 365-day year and actual days elapsed. The interest rate may vary from time to time without prior notice and may be equal to zero. I understand that All of Us Securities and Apex shall not be obligated to pay interest on any free credit balance in My Account. I further understand that All of Us Securities receives rebates from Apex derived from customer margin debt balances, money market accounts, and customer free credit balances.

28. Fees and Charges.
I understand that there are charges for executing buy and sell orders and for other services provided under this Agreement. I also agree to pay all applicable federal, state, local, and foreign taxes. I authorize All of Us Securities to automatically debit My Account for any such brokerage commissions, charges, fees, and taxes. I agree to pay any such commissions and fees at the then-prevailing rate. I acknowledge that the prevailing rate of commissions and fees may change and that change may occur without notice. I agree to be bound by such changes. I specifically agree to pay a reasonable rate of interest on the principal amount of any debit balance carried with respect to My Account. Interest may be charged against My Account in connection with cash withdrawals, if the proceeds from a security sale are disbursed before the regular settlement date of the sale transaction and late payments. If All of Us Securities receives My payment for securities purchases in a cash account after the settlement date, I shall be charged a late payment fee plus a daily interest charge on the debit balance until All of Us Securities is fully paid. Charges will be calculated using a prevailing interest rate, currently set to the daily rate of “Broker’s Call” + a spread. The charges shall accrue until paid and posted to My Account on the day following payment of the debit balance. Interest due on My Account is payable on demand. I also agree to pay such expenses incurred by You in connection with collection of any unpaid balance due on My Accounts including attorney’s fees allowed by law.

29. ACH and International Wire Transfers.
A) ACH Transfers.
I authorize All of Us Securities, at its discretion and without further prior notice, to utilize an electronic check process or Automated Clearing House (“ACH”) facility to draft funds in the amount of any of My checks payable to All of Us Securities, its agents or assigns. Money deposited via ACH is normally not available for withdrawal for five (5) to ten (10) business days. Within calendar 63 days of the date of My ACH deposit, My funds may only be withdrawn to the bank account from which such funds were deposited. I understand that for the ACH transfers to be established, at least one common name must match exactly between My All of Us Securities accounts and bank accounts. To send and receive ACHs, My bank must be a member of the ACH system. For ACH transactions, I hereby grant You limited power of attorney for purposes of redeeming any shares in My Account and direct You to accept any orders to make payments to an authorized bank account and to fulfill these orders through the redemption of shares in My Account. In addition, if I or any joint account owner decides to rescind an ACH transfer, I hereby direct and grant You power of attorney to redeem any shares necessary to fulfill and make such rescission regardless of whether I incur any loss.
An ACH bank reversal may occur when (A) there are insufficient funds in My bank account, (B) there is a duplicate transaction, (C) the transaction is denied, or (D) the type of account is incorrect. I acknowledge that in the event of an ACH bank reversal, I will incur a fee. Before making an ACH transfer, I agree to check Your most recent Commissions and Fees Schedule which is available on Your website. I agree that I am solely liable and responsible for any ACH reversal fees that I incur.

B) Domestic and International Wire Transfers; Indemnification.
If I arrange for a wire transfer to be directed to My Account, I am responsible for ensuring that such wire is initiated properly, addressed properly, and bears appropriate wire instructions in exactly the form required by You for identification of Me and My Account. I understand that any erroneous, mismatched, or incomplete identifying information on an incoming wire transfer may result in such wire being rejected, lost, posted to an incorrect Account, or returned to the originating bank without notice to Me and I agree to indemnify and hold You, Your Affiliates, and Your and Your Affiliates’ respective officers and employees harmless from any Losses arising out of or relating to any erroneous, mismatched or incomplete identifying information on an incoming wire.
By sending You a wire transfer request, I authorize You and Your bank service provider to act on My behalf to initiate the wire transfer or check disbursement. It is My responsibility to ensure that My instructions are accurate before requesting You to initiate a wire transfer. In order to complete My wire transfer request, My name and My address on file in My Account must match what I have on file at the recipient bank; and I must provide the correct recipient bank’s name, recipient bank’s address, recipient bank account number, and ABA routing number or BIC/SWIFT code.
In accepting wire transfer requests, You may rely upon the identifying number (such as routing number, account number and ABA routing number or BIC/SWIFT code) of the recipient, the recipient’s financial institution or any intermediary bank, as instructed. Also, the recipient’s bank in the wire transfer requests may make payment on the basis of the identifying number even if it identifies a person or entity different from the named recipient. I understand that, if I provided You with incorrect instructions or recipient information, I may lose the amount of the wire transfer. I agree to indemnify and hold You, Your Affiliates, and Your and Your Affiliates’ respective officers and employees harmless from any Losses arising out of or relating to any erroneous, mismatched or incomplete identifying information on an outgoing wire.
I must have sufficient available balance in My Account to cover the wire transfer amount and the wire transfer fee at the time I send You the wire transfer request. You will not be obligated to make any wire transfer unless I have sufficient available balance in My Account to cover the wire transfer amount and the wire transfer fee at the time I send You the wire transfer request. You have the right to neither send nor process any wire transfer request without notice in the event of insufficient available funds. You also may reject any wire transfer request for any reason or no reason.
All wire transfer requests provided to You are subject to Your review and acceptance. Your confirmation, if any, of the receipt of My wire transfer request is an indication only that You have received My wire transfer request. You reserve the right to refuse to pay any wire transfer recipient whom I designate in the wire transfer request.
A wire transfer request cannot be amended or canceled after You receive it. You may in Your sole discretion attempt to abide by a subsequent request for a change, but You are not obligated to do so. Any acceptance by You of a request by Me to amend, recall, or trace a wire transfer is made conditionally upon the express understanding by Me that You cannot guarantee fulfillment of such a request and that You are not responsible for any failure to change, recall, or trace such wire transfer. I agree to indemnify and hold You, Your Affiliates, and Your and Your Affiliates’ respective officers and employees harmless from any Losses arising out of or relating to an attempt to amend or cancel a wire transfer.
All wire transfer requests received by You after the cutoff time will be reviewed and processed within a commercially reasonable time, generally within one business day. Wire transfer requests entered after the cutoff time may start to process immediately, in Your sole discretion. I understand that any cutoff times referenced in this Agreement reflect the times displayed on Your internal system clocks and may not necessarily be synchronized with the internal clock displayed on My personal device. For this reason, You suggest that I send any wire transfer requests to You sufficiently in advance of such cutoff times to eliminate the possibility of missing the cutoff.
Notwithstanding any information I provide on My wire transfer request to the contrary, You reserve the right to use any funds transfer system and intermediary bank in the execution of My wire transfer request, and You may use any means of executing wire transfer requests that You deem reasonable in the circumstances. I authorize such funds transfer systems and any intermediary or recipient banks to deduct fees from the funds transferred. I understand that You or any intermediary or recipient banks may apply their prevailing currency exchange rate(s) in the conversion and payment of funds. I am aware that currency exchange rates fluctuate over time and I accept the risks of such fluctuation. I also understand that all incoming and outgoing wire transfers must be in U.S. dollars.
I agree that I will not hold You or Your Affiliates liable for any damages resulting from an intermediary or recipient bank’s decision not to accept any wire transfer. You and Your Affiliates are not responsible for any fees, delay, misplacement, loss, errors, any act or failure to act by You, Your Affiliates, or an intermediary or recipient bank or any other third party. I agree that My wire transfers are subject to the fees set forth in Your most recent Commissions and Fees Schedule which is available on Your website. I also agree that I am solely responsible for all such fees, including wire transfer reversal fees for both incoming and outgoing wire transfer requests. Additionally, I agree that I am solely responsible for any additional fees that any originating, intermediary, or recipient banks may charge.

30. Electronic Delivery of Trade and Account Information; Notice.
All communications, notices, legal disclosures, and other materials related to My Account or this Agreement, including account statements, trade confirmations, margin calls, notices, disclosures, regulatory communications and other information, documents, data and records regarding My Account (the “Communications”), or an alert that any such Communication has been posted to the secure section of the Website or the App, and is available for viewing, may be sent to Me at the mailing address for My Account or the e-mail address that I have given to You in My account application (to either e-mail address in the case of joint accounts where each account holder has given an e-mail address; notice to both e-mail addresses is not required) or at such other address as I may hereafter give You in writing or by e-mail at least ten (10) calendar days prior to delivery, and all communications so sent, whether in writing or otherwise, shall be deemed given to Me personally, whether actually received or not. I acknowledge and agree to electronic delivery by You at Your sole discretion.

31. Arbitration.
A) This Agreement contains a pre-dispute arbitration clause. By signing an arbitration agreement, the parties agree as follows:
i. All parties to this Agreement are giving up the right to sue each other in court, including the right to a trial by jury, except as provided by the rules of the arbitration forum in which a claim is filed.
ii. Arbitration awards are generally final and binding; a party’s ability to have a court reverse or modify an arbitration award is very limited.
iii. The ability of the parties to obtain documents, witness statements and other discovery is generally more limited in arbitration than in court proceedings.
iv. The arbitrators do not have to explain the reason(s) for their award unless, in an eligible case, a joint request for an explained decision has been submitted by all parties to the panel at least 20 days prior to the first scheduled hearing date.
v. The panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with the securities industry.
vi. The rules of some arbitration forums may impose time limits for bringing a claim in arbitration. In some cases, a claim that is ineligible for arbitration may be brought in court.
vii. The rules of the arbitration forum in which the claim is filed, and any amendments thereto, shall be incorporated into this Agreement.

B) Any controversy or claim arising out of or relating to this Agreement, any other agreement between Me and You, any Account(s) established hereunder, any transaction therein, including any dispute regarding the scope and applicability of this arbitration provision, shall be settled by arbitration before FINRA Dispute Resolution, Inc. (“FINRA DR”) under its Code of Arbitration Procedure for Customer Disputes (the “Code”). I agree to arbitrate any such dispute, controversy or claim before FINRA DR at a convenient location as determined under the Code. The Federal Arbitration Act shall apply to govern the arbitration as to all issues, including motions to confirm or vacate an arbitration award, to the extent not inconsistent with the Code. I further agree to that any motion to confirm or vacate an arbitration award hereunder shall be filed in the United States District Court for the Northern District of California, without regard to the location from which an the arbitration was conducted or an award issued.

C) This agreement to arbitrate constitutes a waiver of the right to seek a judicial forum unless such a waiver would be void under the federal securities laws. If I am a foreign national, non-resident alien, or if I do not reside in the United States, I agree to waive My right to file an action against You in any foreign venue.

D) No person shall bring a putative or certified class action to arbitration, nor seek to enforce any pre-dispute arbitration agreement against any person who has initiated in court a putative class action; or who is a member of a putative class who has not opted out of the class with respect to any claims encompassed by the putative class action until: (1) the class certification is denied; or (2) the class is decertified; or (3) the customer is excluded from the class by the court. Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this Agreement except to the extent stated herein.

E) Attorneys’ Fees. I understand that, in the event I have to hire a lawyer with regard to any dispute concerning My account with All of Us Securities, regardless of the outcome of the dispute, I will be responsible for payment of all of My attorneys’ fees and expenses, and All of Us Securities will be responsible for payment of all of its attorneys’ fees and expenses, and neither of us will seek reimbursement of our attorneys’ fees and expenses from the other. I further agree that neither a court nor an arbitrator shall have the power to award attorneys’ fees.

API
A) Overview; Definitions.
All of Us Securities LLC, All of Us Financial LLC, and All of Us Advisors LLC (collectively, “All of Us”) may, in All of Us’ sole discretion, provide third parties with an application programming interface and other materials in accordance with any accompanying documentation (collectively, the “API Package”) (such third parties, “API Licensees”), to make available certain features and functionality of All of Us’s mobile applications, websites, or technology platform via the API Licensees’ products (such products, the “Licensee Products”). The API Package and the Licensee Products are collectively referred to as the “API Products”. “Personal Information” means My personally identifiable information (including username, logon password, financial information, trade data, and other financial information) and all data exchanged between All of Us and the API Products.

B) Access to My Personal Information.
Through My use of any API Products, I may be providing API Licensees with access to My Account and Personal Information. By using any API Products, I acknowledge that such API Products may employ security, policies, procedures and systems of API Licensees which may or may not be less stringent and secure than All of Us’ policies, procedures and systems. I agree that My use of any API Products shall be subject to the terms and conditions of this Agreement, in addition to any other agreements which I executed with respect to any such API Products. I understand and agree that any end user agreement that I executed with any API Licensee is concluded between Me and such API Licensee only, and not with All of Us; and such API Licensee, not All of Us, is solely responsible for such Licensee Product and the content thereof. I understand and agree that the API Products may deliver Personal Information to All of Us, and that All of Us is authorized to receive and store such Personal Information consistent with All of Us’s then-in-effect policies and procedures. Further, I agree that the API Products may request Personal Information stored by All of Us, and I consent to All of Us’s disclosure of such Personal Information to the API Products.

C) No Recommendations.
To the extent the Licensee Products or API Licensees express opinions or make recommendations, I understand that such opinions and recommendations are expressed solely by API Licensees and are not the opinions or recommendations of All of Us. The existence of the API Products and All of Us’s consent to any connectivity between any Licensee Products and All of Us’s technology, the App, the Website, or trading platform(s) does not constitute (i) any recommendation by All of Us to invest in any security or utilize any investment strategy; or (ii) any representation, warranty, or other guarantee by All of Us as to the present or future value or suitability of any sale, trade, or other transaction involving any particular security or any other investments. The existence of any and all information, tools and services provided by API Licensees or by the Licensee Products shall not constitute All of Us’s endorsement of API Licensees or the Licensee Products.

D) Data Provided by All of Us to API.
From time to time, and subject to then-in-effect agreements between All of Us and API Licensees, All of Us may, in its own discretion, make market data feeds received from third parties available via the API Products. All of Us does not make any guarantees in regard to such market data feeds. Furthermore, API Licensees or Licensee Products may make available to Me market data feeds independent of All of Us. I am aware that from time to time that there may be discrepancy between the market data presented on the App or Website and information provided by any API Products due to a variety of reasons, including the time to update and transmit such data to a mobile application or website and latency caused by such API Product’s or My local environment (such as computer set up, connection speed, etc.). All of Us is not responsible for the accuracy of any market data displayed on any API Products or otherwise made available by API Licensees.

E) Risks; No Liability.
I acknowledge that there may be latency between the time an order (or other Personal Information) is submitted from the API Products and the time such order or Personal Information is received by All of Us. Latency may also affect order modification and order cancellation requests. The time an order or a request is actually received by All of Us (including for execution) will be the official time, including for the purposes of routing the order to the market for execution. In addition, all orders submitted to All of Us are subject to order vetting by All of Us. Orders created and submitted through any API Products are not vetted until they are received by All of Us. It is possible that All of Us may reject an order placed through any API Products. All of Us cannot guarantee that any order will be accepted when such order is routed to the market for execution, and All of Us cannot guarantee that notifications and Personal Information provided to Me by All of Us will be successfully delivered to or displayed by any API Products.
Without limiting the generality of any other terms in this Agreement, I agree that:
All of Us or its Affiliates shall not be liable for any Losses as a result of any issues addressed in this Section 32 of this Agreement, nor shall All of Us or its Affiliates be liable for any Losses realized for technical issues involving any API Products or API Licensee technology or product offerings (including system outages or downtime).
ii. All of Us or its Affiliates shall not be responsible for any investment research provided by any API Licensee or any Licensee Products.
iii. All of Us or its Affiliates makes no representations, warranties or other guarantees as to the accuracy, timeliness or efficacy of any market data, information, or other functionality made available by any API Licensee or any API Products.

F) Intellectual Property.
My use of any API Products will not confer to Me any title, ownership interest or intellectual property rights that otherwise belongs to All of Us or any of its affiliates. The API Package, including content, is protected under U.S. patent, copyright laws, international treaties or conventions, and other laws and will remain All of Us’ exclusive property, as applicable. Names, logos, and all related product and service names, design marks, and slogans displayed by or relating to All of Us or any of its Affiliates or API Licensees in the context of the API Products shall remain the property of the respective owner, and use of such property by All of Us or any API Licensee in marketing or provision of any API Products does not grant ownership of or entitle Me to use any such name or mark in any manner.

G) User’s Representations and Warranties.
I represent and warrant that:
By virtue of utilizing any API Products, I consent to and accept any risk associated with All of Us’s sharing of Personal Information with any API Licensee and shall not hold All of Us, its Affiliates, or their respective officers, directors, or employees responsible for any Losses resulting from the sharing of such Personal Information.
ii. I agree that My use of any API Products or API Licensee’s content, information, technology, or functionality is at My own risk.
iii. I agree that All of Us may revoke any API Licensee or API Products’ authorization at any time, for any reason, with or without cause and without prior notice to Me.

33. Consider whether relationship between API Licensees and All of Us creates a conflict of interest that might be disclosed. If so, consider something very simple like:
A) Conflicts of Interest.
Please note: Conflicts of interest arise in any business relationship, including this relationship between Me as customer and All of Us Securities or its affiliates or service providers. These conflicts exist in many aspects of the relationship. Potential conflicts may include the fact that: All of Us Securities and its employees receive compensation from its service providers in connection with service offerings that You may access in this relationship, All of Us Securities compensates its employees and agents in connection with service offerings that You may access in this relationship; and that our relationship is not exclusive and therefore All of Us Securities may provide services to competing customers. I agree that I am aware of these potential conflicts of interest, and nevertheless agree to all the terms and conditions of this Agreement.
Various exemplar agreement have much more detailed disclosure, which You might consider.

34. Electronic Signatures; Modifications to the Agreement.
I agree to transact business with You electronically. By electronically signing an application for an Account, I acknowledge and agree that such electronic signature is valid evidence of My consent to be legally bound by this Agreement and such subsequent terms as may govern the use of Your services. The use of an electronic version of any document fully satisfies any requirement that the document be provided to Me in writing. I accept notice by electronic means as reasonable and proper notice, for the purpose of any and all laws, rules and regulations. I acknowledge and agree that All of Us Securities may modify this Agreement from time to time and I agree to consult the Website from time to time for the most up-to-date Agreement. The electronically stored copy of this Agreement is considered to be the true, complete, valid, authentic and enforceable record of the Agreement, admissible in judicial or administrative proceedings to the same extent as if the documents and records were originally generated and maintained in printed form. I agree to not contest the admissibility or enforceability of All of Us Securities’ electronically stored copy of the Agreement.

35. Consent to Electronic Delivery of Documents.
A) Consent.
By agreeing to electronic delivery, I am giving My informed consent to electronic delivery of all Account Documents, as defined below, other than those I have specifically requested to be delivered in paper form. Account Documents delivered in paper form will be subject to delivery fees which can be found on the latest version of All of Us’s Commissions and Fees Schedule. “Account Documents” include notices, disclosures, current and future account statements, regulatory communications (such as prospectuses, proxy solicitations, and privacy notices), trade confirmations, tax-related documents, and any other information, documents, data, and records regarding My Account, this Agreement (including amendments to this Agreement), and the services delivered or provided to Me by All of Us Securities, the issuers of the securities or other property in which I invest, and any other parties. I agree that I can access, view, download, save, and print any Account Documents I receive via electronic delivery for My records.

B) Electronic Delivery System.
I acknowledge that Your primary methods of communication with Me include (A) posting information on the Website, (B) providing information via the App, (C) sending email(s) to My email address of record, and, to the extent required by law, (D) providing Me with notice(s) that will direct Me to the App or the Website where I can read and print such information. Unless otherwise required by law, You reserve the right to post Account Documents on the Website without providing notice to Me. Further, You reserve the right to send Account Documents to My postal or email address of record, or via the App or Website. I agree that all Account Documents provided to Me in any of the foregoing manner is considered delivered to Me personally when sent or posted by All of Us Securities, whether I receive it or not.
All e-mail notifications regarding Account Documents will be sent to My e-mail address of record. I agree to maintain the e-mail address that I have provided You until I provide You with a new one. I understand that e-mail messages may fail to transmit promptly or properly, including being delivered to SPAM folders. I further understand that it is My sole responsibility to ensure that any emails from You or Your Affiliates are not marked as SPAM. Regardless of whether or not I receive an e-mail notification, I agree to check the Website regularly to avoid missing any information, including time-sensitive or otherwise important communication. If I authorize someone else to access the e-mail account I have provided You, I agree to tell them to share the Account Documents with Me promptly, and I accept the risk that they will see My sensitive information. I understand that if I use a work e-mail address or computing or communications device, My employer or other employees may have access to the Account Documents.
Additionally, I acknowledge that the Internet is not a secure network and agree that I will not send any confidential information, including Account numbers or passwords, in any unencrypted e-mails. I also understand that communications transmitted over the Internet may be accessed by unauthorized or unintended third parties and agree to hold You, Your Affiliates, and Your and Your Affiliates’ respective officers and employees harmless for any such access regardless of the cause.
I agree to promptly and carefully review all Account Documents when they are delivered and notify All of Us Securities in writing within five (5) calendar days of delivery if I object to the information provided (or other such time specified herein). If I fail to object in writing within such time, All of Us Securities is entitled to treat such information as accurate and conclusive. I will contact You to report any problems with accessing the Account Documents.

C) Costs.
Potential costs associated with electronic delivery of Account Documents may include charges from Internet access providers and telephone companies, and I agree to bear these costs. All of Us Securities will not charge Me additional online access fees for receiving electronic delivery of Account Documents.

D) Archival.
Upon My request, I may obtain copies of up to six (6) prior years of account statements, and three (3) prior years of trade confirmations.

E) Revocation of Consent.
Subject to the terms of this Agreement, I may revoke or restrict My consent to electronic delivery of Account Documents at any time by notifying All of Us Securities in writing of My intention to do so. I also understand that I have the right to request paper delivery of any Account Document that the law requires All of Us Securities to provide Me in paper form. All of Us Securities will not treat My request for paper copies as a withdrawal of My consent to electronic delivery of Account Documents. I understand that if I revoke or restrict My consent to electronic delivery of Account Documents or request paper delivery of same, All of Us Securities, in its sole discretion, may charge Me a reasonable service fee for the delivery of any Account Document that would otherwise be delivered to Me electronically, restrict or close My account, or terminate My access to All of Us Securities’ services. I understand that neither My revocation or restriction of consent, My request for paper delivery, nor All of Us Securities’ delivery of paper copies of Account Documents will affect the legal effectiveness or validity of any electronic communication provided while My consent was in effect.

F) Duration of Consent.
My consent to receive electronic delivery of Account Documents will be effective immediately and will remain in effect unless and until either I or All of Us Securities revokes it. I understand that it may take up to three (3) business days to process a revocation of consent to electronic delivery, and that I may receive electronic notifications until such consent is processed.

G) Hardware and Software Requirements.
I understand that in order to receive electronic deliveries, I must have access to a computer or Mobile Device with Internet access, a valid e-mail address, and the ability to download such applications as All of Us Securities may specify and to which I have access. I also understand that if I wish to download, print, or save any information I wish to retain, I must have access to a printer or other device in order to do so.

H) Consent and Representations.
I hereby agree that I have carefully read the above information regarding informed consent to electronic delivery and fully understand the implications thereof. Additionally, I hereby agree to all conditions outlined above with respect to electronic delivery of any Account Document. I will maintain a valid e-mail address and continue to have access to the Internet. If My e-mail address changes, I agree to immediately notify All of Us Securities of My new e-mail address in writing.

36. Miscellaneous Provisions.
The following provisions shall also govern this Agreement:
A) Interpretation.
The heading of each provision hereof is for descriptive purposes only and shall not be (1) deemed to modify or qualify any of the rights or obligations set forth herein or (2) used to construe or interpret any of the provisions hereunder. When a reference is made in this Agreement to a Section, such reference shall be to a Section of this Agreement unless otherwise indicated. Whenever the words “include,” “includes” or “including” are used in this Agreement, they shall be deemed to be followed by the words “without limitation.” The word “or,” when used in this Agreement, has the inclusive meaning represented by the phrase “and/or.” Unless the context of this Agreement otherwise requires: (i) words using the singular or plural number also include the plural or singular number, respectively; and (ii) the terms “hereof,” “herein,” “hereunder” and derivative or similar words refer to this entire Agreement. References to any law shall be deemed to refer to such law as amended from time to time and to any rules or regulations promulgated thereunder.

B) Binding Effect; Assignment.
This Agreement shall bind My heirs, assigns, executors, successors, conservators and administrators. I may not assign this Agreement or any rights or obligations under this Agreement without first obtaining Your prior written consent. You may assign, sell, or transfer My Account and this Agreement, or any portion thereof, at any time, without My prior consent.

C) Severability.
If any provisions or conditions of this Agreement are or become inconsistent with any present or future law, rule, or regulation of any applicable government, regulatory or self-regulatory agency or body, or are deemed invalid or unenforceable by any court of competent jurisdiction, such provisions shall be deemed rescinded or modified, to the extent permitted by applicable law, to make this Agreement in compliance with such law, rule or regulation, or to be valid and enforceable, but in all other respects, this Agreement shall continue in full force and effect.

D) Website Postings.
I agree and understand that All of Us Securities may post other specific agreements, disclosures, policies, procedures, terms, and conditions that apply to My use of the App, the Website, or My Account on the Website (“Website Postings”). I understand that it is My continuing obligation to understand the terms of the Website Postings, and I agree to be bound by the Web Postings as are in effect at the time of My use.

E) Entirety of Agreement.
This Agreement, any attachments hereto, other agreements and policies referred to in this Agreement (including the Website Postings), and the terms and conditions contained in My Account statements and confirmations, contain the entire agreement between All of Us Securities and Me and supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between All of Us Securities and Me, provided, however, that any and all other agreements between All of Us Securities and Me, not inconsistent with this Agreement, will remain in full force and effect.

F) Amendment.
You may at any time amend this Agreement without prior notice to Me. The current version of the Agreement will be posted on the Website and My continued Account activity after such amendment constitutes My agreement to be bound by all then-in-effect amendments to the Agreement, regardless of whether I have actually reviewed them. Continued use of the App, the Website or any other All of Us Securities services after such posting will constitute My acknowledgment and acceptance of such amendment. I agree to regularly consult the Website for up-to-date information about All of Us Securities services and any modifications to this Agreement. You are not bound by any verbal statements that seek to amend the Agreement.

G) Termination.
You may terminate this Agreement, or close, deactivate, or block access to My Account at any time in Your sole discretion. I will remain liable to You for all obligations incurred in My Account, pursuant to this Agreement, or otherwise, whether arising before or after termination. I may terminate this Agreement after paying any obligations owed upon written notice. This Agreement survives termination of My Account.

H) No Waiver; Cumulative Nature of Rights and Remedies.
I understand that Your failure to insist at any time upon strict compliance with any term contained in this Agreement, or any delay or failure on Your part to exercise any power or right given to You in this Agreement, or a continued course of such conduct on Your part, shall at no time operate as a waiver of such power or right, nor shall any single or partial exercise preclude any other further exercise. All rights and remedies given to You in this Agreement are cumulative and not exclusive of any other rights or remedies to which You are entitled.

I) International Customers.
The products and services described on the Website are offered only in jurisdictions where they may be legally offered. Neither the Website nor the App shall be considered a solicitation for or offering of any investment product or service to any person in any jurisdiction where such solicitation or offering would be illegal. I understand that You, in Your sole discretion, may accept unsolicited accounts from non-U.S. residents, depending on the country of residence and other factors. I understand that You are based in the United States and that You have the right to choose to accept only U.S. currency in Your customer accounts.

J) Governing Law.
Excepts as otherwise specified herein, this Agreement and all transactions made in My Account shall be governed by the laws of the State of California (regardless of the choice of law rules thereof), except to the extent governed by the federal securities laws, FINRA Rules, and the regulations, customs and usage of the exchanges or market (and its clearing house) on which transactions are executed.
ACCEPTED AND AGREED: I acknowledge that I have read the preceding terms and conditions of this Agreement, that I understand them and that I hereby manifest My assent to, and My agreement to comply with, those terms and conditions by clicking “Submit Application” or other similarly worded button.
I also understand that by clicking “submit application” or other similarly worded button that I have acknowledged that this agreement contains a predispute arbitration clause in Section 31 herein.

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