Electronic Delivery

Informed Consent is assumed, given that electronic communications are the industry standard.  In its dealings with retail customers, informed consent is assumed to have been received upon successful exchanges of electronic information or by signature on new account documents that include consent language.  The SEC requires, for delivery of personal financial information (including account statements and confirmations) that the customer provide informed consent and acknowledge the consent by manual or electronic signature, this includes personal financial information.  If at any time, a customer would like to receive paper copies of these documents, they would be provided free of charge.  All notices and other communications shall be deemed duly provided if sent electronically to the email that was provided.  If an email address changes, kindly inform your Representative to make the update.