Plynk® Premium Membership Terms and Conditions 

Please read the following Terms and Conditions (“Membership Terms”) carefully. These Membership Terms govern your participation in the Plynk Premium service (“Plynk Premium”) which is offered by Digital Brokerage Services LLL (“DBS”). These Membership Terms are supplemental and do not alter in any way the terms or conditions of any other agreement governing your relationship with DBS. In the event there is a conflict between the Membership Terms and any other agreement with DBS, these Membership Terms will control but only with respect to the Plynk Premium

DBS reserves the right to modify the terms and conditions or terminate Plynk Premium at any time without advance notice or any notice to customers. Continued participation in Plynk Premium will confirm your acceptance of any future changes. DBS may at any time in its sole discretion and without notice terminate your Plynk Premium membership, including if you have insufficient funds to cover your membership fee

Plynk Premium is a membership program that for a monthly fee offers members access to enhanced dividend match bonus rates and greater cash rate boosts. All terms and conditions applicable to the use of Plynk Premium apply. Plynk Premium is not available to persons associated with Plynk or it’s affiliates as well as members of their immediate families and households. To learn more about Plynk Premium and terms, please see the Plynk Premium page.

Eligibility: You are eligible for Plynk Premium if:

• You have an open DBS brokerage account in good standing.

• You have a valid bank account linked to your DBS brokerage account.

• You enroll in Plynk Premium via the Plynk App and authorize recurring ACH payments and pay the monthly membership fee of $3.99 (“Plynk Premium Membership Fee”).

Plynk Premium Payment

1. ACH Transfer from Linked Bank Account: Customers will pay the Plynk Premium Membership Fee from their Checking or Savings account validly linked to their Plynk app Brokerage account.
   1. By opting into the Plynk Premium membership via the Plynk app mobile app, you authorize Digital Brokerage Services to initiate monthly ACH transfers on the day of the month you enrolled in Plynk Premium (“Membership Renewal Date”) to Plynk by debiting your linked Checking or Savings account for the amount of the Plynk Premium Membership Fee. This authorization for recurring debits will remain in effect until you cancel your membership, as described in the “Canceling Payments” section herein.
   2. If we determine that you have insufficient funds in your linked Checking or Savings account to pay the Plynk Premium Membership Fee, DBS reserves the right to terminate your Plynk Premium membership.
2. Billing Cycle: Your billing cycle start date is the date on which you click “Upgrade to Premium” via the Plynk app mobile app. Upon clicking “Upgrade to Premium,” you will receive an email notification of the start of your Plynk Premium membership. You will also receive an email notification upon Plynk’s receipt of each Plynk Premium Membership Fee payment. If your billing date falls on a weekend, federal holiday, or other non-business day, your membership payment will be processed on the next business day. Payments take 2-3 business days to settle.
3. Canceling Payments: You can cancel your authorization of future ACH transfers at any time by logging into your Plynk app brokerage account and canceling your Plynk Premium membership on the membership management page. Please refer to the subscription management page for your next scheduled billing date. You must cancel your Plynk Premium membership by 11:59 p.m. ET at least one (1) calendar day before the Membership Renewal Date to avoid being charged the Plynk Premium Membership Fee for the next billing period. If a cancellation request is submitted after this time, you may be charged for the subsequent billing period. Please note that Plynk will not issue a partial refund for canceling a Plynk Premium membership before the end of a billing cycle. Upon successful cancellation, you will continue to enjoy all Plynk Premium benefits until the last day of your current billing cycle.
4. Hold Eligible Securities - You must hold eligible dividend-paying securities (Common stock, ETFs or Mutual Funds that distribute cash dividends). For common stock and non-daily accrual mutual funds and ETFs, you must hold for at least 30 calendar days prior to the ex-dividend date to receive the Bonus. For mutual funds and ETFs that accrue daily interest and generally pay a dividend at the end of each month, there is no required holding period, and DBS will match on dividends paid subject to these Membership Terms.
5. Receive Paid Dividends - Only paid dividends (not declared) are eligible. These are typically credited to your account on the payment date.
6. Calculation - DBS calculates the Dividend Match on a per-share-lot basis using the formula:
   Eligible Shares × Dividend_Per_Share × 50% subject to the $500 annual cap on the Dividend amount.
7. Once the Dividend Match has been deposited into your account, you will receive an email confirming the cash deposit.
8. Disbursement - Your Dividend Match will be credited to your DBS brokerage account’s core account GCASH within 10 business days of the first of each month. Once credited, you may sell, withdraw, or transfer the matched cash at any time — no restrictions apply.
   1. Only dividends that have been actually paid (not merely declared) on eligible securities are considered for purposes of the Dividend Match.
   2. Shares that do not meet the 30-day holding requirement are excluded from the Dividend Match.

Please note: Cancellations can only be submitted from 7:00 a.m ET to 11:59 p.m. ET.

Plynk Premium Benefits

(i) Earn an additional 0.50% boost on your uninvested cash balance in your Plynk brokerage account (Cash Boost). The cash boost benefit will only apply to the available cash balance in your individual brokerage account and does not apply to any balances in your IRAs or Crypto Accounts. Plynk Premium members will receive an additional Cash Boost equal to an annualized rate of 0.50% (50 basis points), applied to the weighted daily average GCASH balance for the applicable monthly period, up to the first $25,000 of your monthly cash balance for a maximum annual benefit of $125.

While balances over $25,000 are eligible for the Core Interest Rate, they do not qualify for the Cash Boost. The additional Cash Boost amount will be credited to your DBS brokerage account’s core account GCASH within 10 business days of the first of each month which may differ from the date you receive Core Interest Rate earnings on your GCASH balance.

Plynk Core Position: The uninvested cash balance in your brokerage account is a taxable interest-bearing cash option (“GCASH”) held by Green Pier Fintech LLC (“Green Pier”), an affiliated clearing broker. GCASH is a free credit balance payable to you on demand by Green Pier and Green Pier may use this free credit balance in connection with its business, subject to applicable law. Green Pier may, but is not required to, pay you interest on this free credit balance based on a schedule subject to change.

See Plynk Core Position for full details and additional rates:  https://www.plynkinvest.com/disclosures/core-fund/greens

(ii) 50% Cash Dividend Match (“Dividend Match”) on eligible securities held in your individual brokerage account during each calendar month, up to an annual maximum of $500 per customer. The annual cap resets on January 1 of each year. Dividend Match is only available for individual brokerage accounts and does not apply to IRAs or Crypto accounts.

The Dividend Match is funded by DBS and any amounts credited are not dividends paid by any security.

How it works:

Once a customer reaches the applicable annual cap of $500 on this Dividend Match no additional match amount will be credited for the remainder of the calendar year.

Hypothetical Example (for illustrative purposes only):

The following hypothetical example demonstrates how the Dividend Match benefit works when a customer's Plynk Premium membership status changes during the calendar year (an alternative dividend match program with lower match rates and annual cap exists for non-Premium Plynk customers). Please note in the example below, the applicable Dividend Match percentage and annual Dividend Match limit are determined based on the customer's membership status on the dividend payment date.

A customer purchases shares of an eligible dividend-paying security and holds those shares for more than 30 days before the ex-dividend date, satisfying the holding period requirement.

• During May, the customer is not a member of Plynk Premium and receives an eligible dividend payment of $100. Because the customer is not a member of Plynk Premium on the dividend payment date, they qualify for a 25% Dividend Match and receive a $25 Dividend Match reward.
• The customer has now accumulated $25 in Dividend Match rewards during the calendar year. As the user is not a member of Plynk Premium, the annual Dividend Match limit is $250, leaving $225 of remaining Dividend Match limit.
• The customer later becomes a Plynk Premium member and maintains that status through the dividend payment date. In June, the customer receives an eligible dividend payment of $800. Because the customer is a Plynk Premium member on the dividend payment date, they qualify for a 50% Dividend Match and receive a $400 Dividend Match reward.
• The customer has accumulated $425 in Dividend Match rewards during the calendar year. As a Plynk Premium member, the customer's annual Dividend Match limit is $500, leaving $75 of remaining Dividend Match limit.
• The customer disenrolls from Plynk Premium. As a result, the customer's annual Dividend Match limit decreases from $500 to $250.
• Because the customer has already earned $425 in Dividend Match rewards during the calendar year, which is above the $250 annual limit for customers who are not Plynk Premium members, they will not receive any additional Dividend Match rewards unless they become a Plynk Premium member again.
• The customer later becomes a Plynk Premium member again, increasing the customer's annual Dividend Match limit from $250 to $500. Since the customer has already accumulated $425 in Dividend Match rewards during the calendar year, $75 of remaining Dividend Match limit is available.
• The customer then receives an eligible dividend payment of $200 while maintaining an active Plynk Premium membership. A 50% Dividend Match would ordinarily result in a $100 Dividend Match reward. However, because only $75 of remaining Dividend Match limit is available, the customer receives a $75 Dividend Match reward and reaches the full $500 annual Dividend Match limit for the calendar year.
• Dividends that have been declared but not yet paid (including those for which the ex-dividend date has passed but payment has not yet been received).
• Dividends attributable to stocks and non-daily accrual mutual funds and ETFs held for fewer than 30 calendar days prior to the applicable ex-dividend date.
• Dividends received in crypto or IRA accounts.
• Dividends paid into brokerage accounts that are not in good standing or have been closed prior to the dividend payment date.
• Any income received by a shareholder that is not a cash dividend, e.g. Capital Gains for Return of Capital.
• Dividends accrued through the Cash Core Fund (GCash)
• Dividends match less than <$0.01 in value.

Exclusions: The following are not eligible for the Dividend Match:

Additional Terms

A) Incorporation of Existing Terms

The Plynkinvest.com Terms of Use, as well as any account customer agreement you may have agreed to, are incorporated into the Membership Terms for purposes of governing law, enforcement rights, and dispute resolution. The Membership Terms and their enforcement are governed by the laws of the Commonwealth of Massachusetts, without regard to conflicts of law, and shall inure to the benefit of DBS’ successors and assigns, whether by merger, consolidation, or otherwise.

B) TO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO ARBITRATION, YOU AND DBS HEREBY AGREE THAT ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO PLYNK PREMIUM , OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND DBS WILL PROCEED ON AN INDIVIDUAL BASIS AND WILL NOT PROCEED AS PART OF A CLASS ACTION AND THAT YOU AND FIDELITY HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY, AND IRREVOCABLY WAIVE ANY RIGHT TO PROCEED IN A CLASS ACTION OR TO SERVE AS A CLASS REPRESENTATIVE.

C) DBS does not provide tax advice. Benefits realized through Plynk Premium may appear on your consolidated Form 1099. Please consult your tax advisor about appropriate tax reporting and treatment. Any taxes resulting from participation in Plynk Premium are solely your responsibility.

Questions:  If you have any questions or comments and would like DBS to follow up with you, please reach out to service@plynkinvest.com.