Electronic Funds Transfer Disclosure

Important Information about Electronic Funds Transfers (EFT)

Keep this information for your records.

Confidentiality

You understand that Digital Brokerage Services LLC (“DBS”) will disclose information to third parties about your account or the transfers you make:

• (i) Where it is necessary for completing transfers, or
• (ii) In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or
• (iii) In order to comply with a government agency or court order, or
• (iv) If you give DBS your written permission, or
• (v) For other purposes in accordance with DBS’s privacy statement.

Fee

DBS does not charge any fees to use EFT services.

Limitations for EFTs

There may be a seven-day period after DBS processes your request to link a bank account during which you will be unable to withdraw cash and buy crypto from your DBS account. The minimum amount for EFTs from a linked bank account initiated on the Plynk mobile application (“Plynk App”) is $1. In most cases, EFTs from a linked bank account initiated on the Plynk App are subject to a maximum cumulative daily amount of $5,000 for deposits. Transfers out of your DBS account to a linked bank account initiated on the Plynk App are typically limited to three per day.

DBS does not support outgoing bank wire transfers.

Minimum Balances

There is no minimum account balance to process an EFT transaction; however, your core account must have adequate funds to cover a withdrawal.

Business Days

For purposes of these disclosures, DBS’s business days are Monday through Friday. Bank and New York Stock Exchange holidays are not included.

Documentation Periodic Statement

You will receive a monthly account statement for any month when you have trading, core account, or other account activity. You will receive a quarterly statement for any quarter in which you have a security position, money balance, or account activity.

Special Disclosure for Covered Transfers

In general, your use of the EFT service for transfer of funds electronically other than those for which the primary purpose is the purchase or sale of securities (“Covered Transfers”) is covered under the Electronic Funds Transfer Act and the Bureau of Consumer Financial Protection’s Regulation E and related laws and regulations. The following terms and disclosures apply to Covered Transfers:

Unauthorized Transfers

Tell DBS promptly if you believe your password has been lost or stolen or may have been used without your permission. Emailing DBS at the email address listed below is the best way of keeping your possible losses down. You could lose all the money in your account. If you believe your password has been lost or stolen, and you tell DBS within two (2) business days after you learn of the loss or theft of your password, you can lose no more than $50 for Covered Transfers if someone used your password without your permission. If you do NOT tell DBS within two (2) business days after you learn of the loss or theft of your password, and DBS can prove DBS could have prevented any unauthorized use if you had told DBS, you could lose as much as $500. Also, if your statement shows Covered Transfers that you did not make, tell DBS promptly. If you do not tell DBS within sixty (60) days after the first statement was emailed to you, you may not get back any money you lost after sixty (60) days if DBS can prove that DBS could have stopped someone from taking the money if you had told DBS in time. In extenuating circumstances, DBS may extend such time periods. Additional protection may be available from DBS for specific accounts under certain circumstances.

Stop Payment Procedures

Unless otherwise provided, you may not stop payment of electronic funds transfers; therefore, you should not employ EFT Services with DBS unless you are satisfied that you will not need to stop payment.

DBS’s Liability for Failure to Make Covered Transfers

If DBS does not complete a Covered Transfer to or from your DBS account on time or in the correct amount according to DBS’s agreement with you, DBS may be liable for your losses or damages. However, there are some exceptions.

DBS will not be liable for instance:

• If, through no fault of DBS’s, you do not have enough money in your DBS account to make the Covered Transfer.
• If the money in your DBS account is subject to legal process or other claim restricting such transfer
• If the bank account information you provided to DBS when you established the EFT service was incorrect or has subsequently become incorrect
• If circumstances beyond DBS’s control (such as fire or flood) prevent the transaction, despite reasonable precautions taken by DBS.
• If there was a technical malfunction which was known to you at the time you attempted to initiate a Covered Transfer or, in the case of a preauthorized Covered Transfer, at the time the transfer should have occurred.
• There may be other exceptions stated in DBS’s agreement with you.

Error Resolution

In the case of errors or questions about your Covered Transfers contact DBS immediately via email or using the Plynk App. You agree to email DBS if you think your statement is wrong or if you need more information about a Covered Transfer listed on your statement. DBS must hear from you no later than sixty (60) days after DBS sent the FIRST statement on which the problem or error appeared. You will:

• Tell DBS your name and account number.
• Describe the error or the Covered Transfer that you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell DBS the dollar amount of the suspected error.

DBS will tell you the results of its investigation within ten (10) business days after DBS hears from you and will correct any error promptly.

For more complicated issues, it may take up to forty-five (45) days to investigate your complaint or question. If this is the case, DBS will credit your account within ten (10) business days for the amount that you think is in error, so that you are able to use your money until the investigation is complete. If your account is a brokerage account subject to Regulation T of the Board of Governors of the Federal Reserve System (Credit By Brokers and Dealers, 12 CFR 220), DBS may not credit your account.

For questions involving new accounts or foreign initiated transactions, DBS may take up to ninety (90) days to investigate your complaint or question. With respect to new accounts, DBS may take up to twenty (20) business days to credit your account for the amount you think is in error.

DBS will inform you of the results of its investigation within three (3) business days of its completion. If DBS decides that there was no error, you will receive a written explanation and can request copies of the investigation documentation.

Contact Information:

Email: service@plynkinvest.com

Mailing Address:

Digital Brokerage Services LLC
C/O Green Pier Fintech LLC
499 Washington Blvd
Jersey City, NJ 07310