Electronic Disclosure and Consent

Back Effective Date: March 1, 2026

1. Consent to Electronic Delivery

By agreeing to this Electronic Disclosure and Consent ("E-Consent"), you consent to receive all communications, agreements, documents, notices, and disclosures electronically ("Communications") that we provide in connection with your account and your use of our services.

2. Scope of Communications

Communications include, but are not limited to:

• Account opening documents and agreements
• Account statements and confirmations
• Tax documents and regulatory disclosures
• Privacy policies and amendments
• Customer agreements and updates to terms of service
• Notices regarding your account or transactions

3. Hardware and Software Requirements

To receive electronic Communications, you will need:

• A computer or mobile device with Internet access
• A current web browser that supports TLS 1.2 or higher
• A valid email address
• Software capable of viewing PDF files (such as Adobe Acrobat Reader)
• Sufficient storage space to save Communications or a printer to print them

4. Withdrawing Consent

You may withdraw your consent to receive electronic Communications at any time by contacting us at support@firmharbor.com. If you withdraw your consent, we may restrict or close your account, as electronic delivery is required for the operation of our platform.

5. Updating Your Contact Information

You are responsible for keeping your email address and other contact information current. You can update your information through your account settings or by contacting our support team.

6. Paper Copies

You may request a paper copy of any electronic Communication by contacting us. We may charge a reasonable fee for providing paper copies. Paper copies will be sent to the mailing address on file for your account.