Terms of Service

Effective Date: March 15, 2024 Last Revised: June 29, 2025 This e-Service User Agreement ("Agreement") is entered into between First Share ("First Share", "we", "our", or "us") and you ("User", "you", or "your"). It governs your access to and use of First Share's Electronic Services, including First Share WebPass, First Share Express10+®, First Share Mobile®, First Trigger ProSM, alerts, wireless trading services, online investment and securities trading systems, and any electronic services or platforms that First Share may make available now or in the future. These Services allow users to access their First Share accounts, submit investment requests, buy or sell eligible securities, receive quotations, manage portfolios, obtain account information, and access other financial services electronically through computers, mobile devices, or other supported technologies. By accessing or using any First Share Electronic Service, you acknowledge that you have read, understood, and agree to be bound by this Agreement.

You are the only authorized user of your First Share account and may use the Services solely for your personal, lawful, and non-commercial purposes unless otherwise expressly approved by First Share. You are responsible for maintaining the confidentiality of your passwords, PINs, authentication devices, and all other security credentials used to access the Services. You accept full responsibility for every instruction, order, transaction, or activity performed using your login credentials. Information obtained through the Services may not be copied, redistributed, reproduced, or provided to third parties without the prior written consent of First Share. You acknowledge that investment prices may fluctuate rapidly during trading hours or after-hours trading sessions. Orders placed through the platform are submitted at your own risk, and you understand that market conditions, limited liquidity, technical interruptions, or account funding limitations may affect execution. You further represent that: • You will not use market data provided through the Services for professional or commercial purposes unless properly authorized. • You are not using the Services as part of any brokerage, investment advisory, securities exchange, commodity trading, or similar regulated financial business unless disclosed to First Share. • If employed by a bank, insurance company, or financial institution, you will not use the Services in connection with regulated securities or commodity trading activities except for your personal First Share account(s).

By using the Services, you consent to the electronic transmission of financial information relating to your account, including investment holdings, transaction history, account balances, portfolio values, and trade confirmations. You agree to receive privacy notices, disclosures, agreements, statements, account updates, and other communications electronically through the First Share website, mobile applications, email, or other electronic channels. Telephone calls with First Share may be monitored or recorded for quality assurance, security, compliance, and training purposes. You acknowledge that email is the primary communication channel between you and First Share, and you agree to regularly monitor your registered email address for important notices, service updates, investment communications, and correspondence from your Dedicated Advisor® or other authorized representatives.

All trade orders and investment instructions submitted through the Services are your sole responsibility. You agree to notify First Share immediately if: • You submit an order but do not receive a confirmation or reference number. • You do not receive an accurate written confirmation of your order within five (5) business days. • You receive confirmation of an order that you did not place. • You discover discrepancies relating to account balances, portfolio positions, transaction status, or account activity. • You detect suspicious, unauthorized, or unexplained activity involving your account or the Services. • Your password, PIN, authentication device, or other access credentials become lost, stolen, or compromised. Failure to promptly notify First Share may limit our ability to investigate or recover losses arising from unauthorized transactions or account activity. Official notifications may be directed to: First Share LLC 51 Joysan Terrace, Freehold, NJ 07728 Suite 31/32, 55th Floor, 1 Vanderbilt Ave, New York, NY 10017 Email: security@firstsharellc.com Orders transmitted electronically are not considered received until acknowledged by First Share.

Any liability arising from the Services for which First Share is determined to be responsible shall be limited to the benefit that would have resulted from the applicable transaction during the period in which you should have acted under this Agreement. First Share does not guarantee the accuracy, completeness, timeliness, or reliability of information received through the Services and makes no representation or warranty regarding such information. All investment instructions, trade orders, and account activities performed through the Services are submitted entirely at your own risk and responsibility. Neither First Share nor any third party assisting in the provision of the Services shall be liable for damages arising from communication failures, unauthorized access, theft, system interruptions, internet outages, equipment failures, software malfunctions, or any event beyond their reasonable control. You are solely responsible for obtaining and maintaining the equipment, internet connectivity, software, and telecommunications services required to access the Services, including all related costs. You expressly acknowledge that storing or using any information obtained through the Services—including transaction history, account balances, portfolio information, investment data, and electronic records—is entirely at your own risk. The Services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement. To the fullest extent permitted by law, neither First Share nor its service providers shall be liable for direct, indirect, incidental, consequential, or special damages arising from your use of the Services.

Certain First Share brokerage or investment accounts utilizing the Services may qualify for promotional commission discounts or fee waivers. Such discounts apply only to eligible transactions successfully executed through the Services and may not apply where transactions cannot be completed electronically. You agree to pay all applicable service fees, commissions, processing charges, transfer fees, taxes, administrative charges, banking fees, and any other expenses associated with your use of the Services. Fees charged by internet providers, telecommunications companies, mobile carriers, device manufacturers, or other third-party providers are your sole responsibility. First Share does not provide internet, telecommunications, mobile network, or electronic access services. You are solely responsible for maintaining all necessary equipment, software, devices, and contracts required to access the Services. Your ability to use the Services may be affected by limitations associated with your equipment, internet connection, mobile device, browser, or other technologies used to access the platform.

Portfolio liquidation, redemption, and settlement requests are processed securely and in an orderly manner. Certain assets, including privately held investments, restricted securities, lock-up investments, or illiquid assets, may require additional time before settlement can occur. Publicly traded securities, including equities, ETFs, bonds, and similar financial instruments, are processed following an approved sell order or redemption request and settled through First Share's designated Fund Distribution & Settlement Partners™. Every investor is required to maintain a valid Redemption & Settlement ("R&S") Account linked to their First Share account for the receipt of redemption proceeds. Where no eligible R&S Account exists, investors must establish one through an approved First Share Fund Distribution & Settlement Partner™, subject to the applicable onboarding requirements and minimum balance conditions. For First Share iUHNI Closed-Ended Accounts, R&S Accounts are maintained exclusively through participating IntraFi network banks and currently require minimum balances of: • Individual Accounts — USD $100,000.00 • Business/Corporate Accounts — USD $200,000.00 • Non-Profit Accounts — USD $50,000.00 By using the Services, you acknowledge and agree that: • An active R&S Account must remain linked to your First Share account. • Redemption proceeds may be withheld where account requirements have not been satisfied. • Unclaimed proceeds may become subject to applicable abandonment or escheatment laws after expiration of the applicable grace period. • Investors are responsible for coordinating large redemption requests with their Dedicated Advisor where appropriate. • Closed-Ended Account redemption requests and investment instructions must generally be initiated directly through the Services unless otherwise authorized in writing. • Banking fees, transfer charges, settlement costs, taxes, administrative expenses, and related charges remain the responsibility of the investor unless expressly agreed otherwise. • Settlement cycles, including T+1, T+2, or T+3, may apply depending on the investment type, liquidity, transaction size, market conditions, and applicable regulations. • All investment instructions remain subject to First Share's operational procedures, compliance reviews, and settlement requirements.

Market data, including real-time quotations and pricing information, is provided by participating securities exchanges, market associations, and authorized data providers, each of whom retains proprietary rights in such information. Neither First Share nor its market data providers guarantee the accuracy, completeness, timeliness, sequence, or uninterrupted availability of market information. First Share shall not be liable for inaccuracies, delays, omissions, interruptions, transmission failures, force majeure events, communication outages, power failures, software malfunctions, or other circumstances beyond its reasonable control affecting market information. You agree to indemnify and hold harmless First Share against claims arising from your reliance upon market data provided through the Services. First Share reserves the right to limit, suspend, modify, or discontinue access to real-time quotations or other market information at any time.

Your use of First Share WebPass, First Share Express10+®, First Share Mobile®, and other First Share electronic platforms may also be governed by separate software license agreements, platform terms, usage policies, and other applicable agreements made available by First Share. By using the Services, you agree to comply with all applicable license agreements, including restrictions relating to copying, redistribution, modification, reverse engineering, warranties, and available remedies. In addition, all agreements governing your First Share accounts—including, where applicable, the First Brokerage Customer Agreement, Margin Agreement, Options Agreement, CPI Channel Agreement, Limited Agent Remittance Exchange Agreement, First Share Brokerage Retirement Account Customer Agreement, mutual fund prospectuses, and any other account-specific agreements—are incorporated into this Agreement by reference. Trading activities conducted through the Services remain subject to First Share's trading policies, operational procedures, risk controls, and compliance requirements, which may be updated from time to time.

First Share takes reasonable administrative, technical, and organizational measures to protect information transmitted through the Services. Where the Services utilize the internet, wireless networks, mobile communications, telephone systems, or other electronic communication channels, you acknowledge that no transmission method can be completely secure. Accordingly, First Share shall not be responsible for the interception, unauthorized access, alteration, theft, or disclosure of information transmitted over communication networks that are beyond our reasonable control. First Share makes no warranty regarding the availability, speed, reliability, or uninterrupted accessibility of internet, wireless, telecommunications, or third-party communication services required to access the Services.

First Share reserves the right to modify, suspend, discontinue, or replace any portion of the Services at any time without prior notice where permitted by applicable law. We may immediately suspend or terminate your access to the Services if: • You violate this Agreement or any applicable First Share policy. • Your activities threaten the integrity, security, or proper operation of the Services. • We reasonably believe unauthorized, unlawful, fraudulent, or abusive activity has occurred. • Continued access would expose First Share, its partners, or other users to regulatory, legal, operational, or security risks. Unauthorized use of the Services may result in immediate termination of this Agreement. Where appropriate, notices regarding modifications or termination may be provided electronically through the platform, by email, or through other authorized communication channels.

I acknowledge that this Agreement constitutes the entire agreement between First Share and me with respect to its subject matter. This Agreement and its enforcement shall be governed by the laws of the States of New Jersey and New York, whichever is applicable to the situation, except with respect to conflicts of law, and shall inure to the benefit of First Share's successors and assigns, whether by merger, consolidation, or otherwise. If a court of competent jurisdiction shall deem any provision unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

First Share offers a Client Protection & Guarantee Program designed to provide eligible customers with additional protection against unauthorized activity occurring through no fault of their own. Eligible cash and securities held in covered First Share iUHNI Closed-Ended Accounts are automatically enrolled in the Program without additional registration. Covered accounts include eligible retirement and non-retirement investment accounts, First Share Mobile accounts, workplace retirement accounts maintained by First Share, and certain accounts managed by independent investment advisors. Transactions performed by an authorized investment advisor on your behalf are considered authorized by you. To remain eligible for protection, you agree to: • Keep Two-Factor Authentication (2FA) enabled on your account at all times. • Use a trusted authenticator application such as Google Authenticator, Microsoft Authenticator, Twilio Authy, or another approved authentication solution. • Regularly review your account activity, confirmations, correspondence, and statements, and report any unauthorized activity, discrepancies, missing statements, or suspicious behavior as soon as possible. • Maintain accurate and up-to-date contact information to enable First Share to communicate important security notifications. To help protect your account, you should never disclose your username, password, PIN, authentication codes, recovery codes, or answers to security questions to any person. Never provide remote access to your computer or device unless you have independently verified the request. First Share will never request your password or authentication codes except where expressly required through official support procedures. If you suspect identity theft or unauthorized access, you should immediately change your password and notify First Share by emailing security@firstsharellc.com. Where a claim is submitted, First Share may require your cooperation during its investigation, including providing supporting documentation, police reports, affidavits, computer security assessments, or other information reasonably necessary to determine eligibility under the Program. Reimbursements, where approved, are determined solely by First Share based on the facts of each case. The Program does not cover taxes, legal fees, opportunity costs, consequential damages, losses already reimbursed by financial institutions or insurers, or any amount otherwise recoverable through another source. The Program also does not cover losses arising from: • Sharing your account credentials with another person. • Transactions performed by individuals or organizations you authorized to access your account. • Transfers to accounts beneficially owned by you. • Activity involving employers, plan administrators, financial intermediaries, advisors, or other third parties authorized by you. • Malware or security breaches affecting third-party systems outside First Share's control. Certain assets, including selected annuities, insurance products, First Share Advisor Fund accounts, and First Share 365 accounts maintained outside First Share, may not be eligible for coverage. Fraud involving debit cards, credit cards, or check-writing services is governed by the applicable agreements of the issuing Fund Distribution Partner and is not covered under the Client Protection & Guarantee Program. The Client Protection & Guarantee Program supplements, but does not replace, your existing agreements with First Share and remains subject to applicable laws of the States of New Jersey and New York. First Share reserves the right to amend or update the Program at any time, with changes becoming effective upon publication through our official communication channels.

By creating an account, accessing, or using any First Share Service, you acknowledge that you have carefully read, understood, and agree to be legally bound by this e-Service User Agreement, together with any policies, disclosures, schedules, addenda, and other agreements incorporated by reference. You further acknowledge that your electronic acceptance of this Agreement, including by clicking an "Accept", "Continue", "Sign", "Submit", or similar button, constitutes your legally binding electronic signature and has the same legal force and effect as a handwritten signature, except where applicable law requires otherwise. Your continued access to or use of the Services following any modification to this Agreement constitutes your acceptance of the updated terms. If you do not agree with any provision of this Agreement or any future amendment, you must immediately discontinue use of the Services. This Agreement shall remain in effect until terminated in accordance with its terms and shall survive to the extent necessary to enforce any rights, obligations, liabilities, indemnities, payment obligations, confidentiality provisions, dispute resolution procedures, or other provisions intended to survive termination.