Wallet Trading Disclosure

Effective Date: October 20, 2023

You understand and accept that certain funding conditions apply to your brokerage account (“Account”) maintained at DriveWealth, LLC (“DriveWealth”) due to the relationship that you maintain with your introducing brokerage or advisory firm (“Introducing Firm”) and its use of a digital wallet (“Wallet”) to hold cash, including settled proceeds from the sale of securities or corporate actions and cash dividends (collectively, “Proceeds”), in your Account:

You acknowledge and agree that:

• Your Introducing Firm sends DriveWealth funds from your Wallet to effectuate buy transactions and settle obligations owed in your Account. DriveWealth does not send funds directly to your Wallet and does not withdraw funds directly from your Wallet; DriveWealth sends Proceeds to your Introducing Firm for further distribution to your Wallet.

• The availability of other funding or withdrawal mechanisms may be limited or unavailable.

• DriveWealth does not control your Wallet and has no affiliation with your Wallet. DriveWealth is not affiliated with your Wallet provider and your Wallet provider is not an agent, subcontractor, or vendor of DriveWealth. DriveWealth does not endorse or in any way represent the abilities or capabilities of your Wallet or Wallet Provider. DriveWealth is not responsible for supervising or monitoring any terms or conditions that you may maintain separately with your Wallet provider or concerning your Wallet

• DriveWealth does not control your Introducing Firm. DriveWealth is not affiliated with your Introducing Firm and your Introducing Firm is not an agent, subcontractor, or vendor of DriveWealth. DriveWealth does not endorse or in any way represent the abilities or capabilities of your Introducing Firm. DriveWealth is not responsible for supervising or monitoring the terms and conditions that you may maintain separately with your Introducing Firm.

• DriveWealth is not responsible for any delays, errors, or failures caused by your Introducing Firm in delivering funds to DriveWealth or, in the case of a withdrawal, delivering such withdrawal Proceeds to your Wallet. Once DriveWealth delivers Proceeds to your Introducing Firm, DriveWealth is no longer responsible for the safeguarding of such funds. Your Introducing Firm is solely responsible for the final distribution of Proceeds to you.

• You are providing two distinct instructions in connection with each sell transaction: (a) the first instruction to sell securities; (b) the second instruction to send Proceeds to the Wallet, when permitted under applicable law and subject to settlement periods.

• Periodically, your Introducing Firm may further provide DriveWealth with your instructions to remit other settled cash proceeds in your Account to your Wallet.

• DriveWealth is authorized by you to act on such instructions as provided by your Introducing Firm to DriveWealth.

• You understand that when you give DriveWealth your authority to withdraw settled funds from your Account to send to your Wallet, DriveWealth may aggregate your funds with other withdrawals into a one or more transactions back to your Introducing Firm, for further credit to your Wallet.

• You consent to DriveWealth sharing certain personally identifiable information about you with our Affiliates and your Introducing Firm, as necessary, in order to effectuate the transfer of funds between DriveWealth and your Introducing Firm.

• DriveWealth does not control your Introducing Firm and is not responsible for supervising or monitoring the terms and conditions which you may maintain separately with your Introducing Firm.

How does this relate to the maintenance of your Account?

• You intend for your Account at DriveWealth to be “cashless.” In other words, the only assets which are intended to reside in the Account will be your settled securities positions.

• There may be limited periods of time where Proceeds reside in your Account. For example, uninvested cash, including cash that results from a corporate action or other Account activity, will be first used to satisfy any obligation related to the Account (e.g., to pay for pending buy transactions). All other Proceeds will be remitted as soon as possible to your Introducing Firm based on your instruction as relayed to us from your Introducing Firm.

• Proceeds from a sell transaction are not available for withdrawal to the Wallet until the settlement of the sell transaction.

• Any Proceeds remitted to your Introducing Firm, or its designated agent, are not part of your Account; DriveWealth is not responsible in any respect for the operation or maintenance of the Wallet or the functional capabilities of your Introducing Firm.

• Funds maintained in your Wallet may not be covered by SIPC or FDIC insurance.

Notwithstanding any contrary provisions contained in your Customer Account Agreement , the terms of this Wallet Trading Disclosure control and apply to all transactions effected by DriveWealth via your relationship with your Introducing Firm. You acknowledge that you have received, reviewed, and understand the terms of this disclosure.