Notice,Delivery, and Electronic Signature.

A. CONSENT FOR ELECTRONIC DISCLOSURES UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT.

The Account Application (the "Application") includes the Account Agreement provisions, the Fee Schedule, and the Custodial Account Disclosure documents together as one, which have been presented to the Account Owner prior to executing the Application. By completing this Application online, you agree to be bound by all terms and conditions contained in the Application.

B. Consent to Electronic Delivery of Documents.

By consenting to the terms and conditions of this Application, you agree to receive the following communications electronically: periodic statements, disclosures, notices (including amendment changes), agreements, changes to terms and conditions, records, documents, tax statements and forms, privacy notices, and all other information we provide to you. We may deliver these communications to you through your online access, by email, or by using other electronic methods allowed pursuant to applicable laws and regulations. While electronic delivery and email notifications are provided free of charge, you may incur internet access or telephone charges. However, we reserve the right to deliver any communication to you as a paper copy, rather than electronically. Your consent remains in effect until you give us notice that you are withdrawing it and covers all communications, including those related to any product or service offered either now or in the future. Electronic documents will no longer be sent after the account is terminated and all regulatory reporting requirements have been satisfied.

C. Withdrawal of Consent.

You may contact us in any of the ways described below to withdraw your consent to receive any future communication electronically. If you wish to receive electronic communications after you have withdrawn your consent, please contact us at the phone number or address below. Please refer to the Fee Schedule for any fee that may apply for paper copies.

D. Paper Delivery of Disclosures and Notices.

You have the right to receive a paper copy of any communication sent electronically. To receive a paper copy, you may request it in writing by sending your request to: Digital Trust, 7336 W. Post Road, Suite #111, Las Vegas, Nevada 89113, or by calling us at 1-800-RETIRED. You may have to pay a fee for the paper copy unless charging a fee is prohibited by law.

E. IMPORTANT.

It is your responsibility to provide and maintain a current email and residential address with us. We may treat an invalid email address or the subsequent malfunction of a previously valid email address as a withdrawal of your consent to receive electronic communication. We will not impose a fee to process the withdrawal of your consent; however, fees may apply to paper copies mailed. Withdrawal of your consent to receive electronic communications will be effective only after we have a reasonable period of time to process your withdrawal. All communications in either electronic or paper format from us to you will be considered "in writing."

F. How to Update Your Records.

It is your responsibility to provide us with true, accurate, and complete email address, contact, and other information related to your account. You must promptly notify us of any changes in this information. You can update your information by calling us, or by writing us at the address above.

G. Equipment and Software Requirements.

In order to view and retain electronic communications that we make available to you, you must have:

• A PC or other device with an Internet browser that has "cookies" enabled and supports 128-bit encryption
• An Internet connection
• An email address
• A PDF viewer (such as Adobe Reader)
• A printer or computer with sufficient electronic storage space

All communications shall be delivered to the last address we have on file. These notices will be sent through electronic delivery (email) and will be considered delivered the same day as sent. If you have opted out of electronic delivery, communications sent to you through the United States Postal Service are considered delivered five (5) business days after the postmark date. It is your responsibility to notify us of any email address change or residential address change. We will not be held liable for any losses or damages if you have not provided us with the most current address information. The electronically signed copy of this document should be considered equivalent to a printed hard copy form. It is considered a true and complete record of the document, admissible in arbitration and/or administrative hearings or proceedings.