APEX FDIC- Insured Sweep Program Consent Addendum

You consent to participate in Apex’s FDIC-Insured Sweep Program (the “Program”), and consent to Apex Clearing Corporation placing or investing (i.e. “sweeping”) the cash balance (also known as a “free credit balance”) in the your account into FDIC-insured bank deposit account(s) with participating banks in the Program (the “Program Banks”), or into such other accounts or arrangements as DASTA and/or Apex may make available from time to time. The Program is subject to and controlled by the Program Terms and Conditions. You acknowledge that if you wish to not participate in the Program, you must contact dub Financial, LLC (“dub Financial”) at support@dubapp.com.  You further understand that dub Financial, and/or Apex may change, modify, delete, or replace the products in the Program from time to time in its/their discretion and that, in such case, you will receive advance notice as required by law. With respect to any cash balance that is automatically transferred to an account at a Program Bank, you agree that you are solely responsible for monitoring the balances with the Program Banks, both held through and outside the Program, to determine whether total deposits held in the same capacity at any Program Bank are in excess of the FDIC deposit insurance limit. Balances held through the Program at Program Banks are insured by the FDIC up to the applicable limit, per Program Bank, but are not insured by SIPC nor are they obligations of dub Financial and/or Apex. dub Financial and/or Apex may, without notice, withdraw or redeem any deposits or holdings to the extent necessary to satisfy any debits arising in any of your Accounts. You understand that dub Financial and Apex may pay interest to your account but shall not be obligated to pay interest on any free credit balance in your Account.