Electronic Communications Disclosure

1 General Consent and Scope of Notice

This Electronic Communications Disclosure and Consent Agreement ("Disclosure") applies to all interactions, products, and services offered by Prime Global Bank National Association ("the Bank", "we", "us", or "our"), including our online banking portal, mobile applications, digital asset vaults, and electronic transfer rails.

Under the provisions of the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq., "E-SIGN Act") and state Uniform Electronic Transactions Act ("UETA") enactments, by selecting the agreement checkbox during online enrollment or logging into your client portal, you consent to receive all Communications from us in electronic format rather than on paper.

2 Categories of Communications Covered

"Communications" covered by this agreement include, but are not limited to, any of the following records:

• Initial account opening disclosures, deposit agreements, fee schedules, and privacy notices.
• Periodic account statements, transaction summaries, and deposit balance verifications.
• Transfer notifications, wire settlement records, SWIFT confirmations, and ACH pre-authorization notices.
• Digital asset confirmations, including institutional crypto vault credits, debits, and on-chain hash receipts.
• Tax reporting forms, including IRS Form 1099-INT, 1099-B, and Form 1042-S, unless physical delivery is mandated by statute.
• Security clearance challenges, one-time passcodes (OTP), two-factor authentication alerts, and regulatory fraud warning disclosures.
• Notices regarding changes in account terms, fee amendments, or institutional policy modifications.

3 Technical Hardware and Software Requirements

To access, review, and retain electronic Communications provided by Prime Global Bank, you must have access to:

• A desktop computer, laptop, tablet, or mobile smartphone running an actively supported operating system (Windows 10/11, macOS 12+, iOS 15+, or Android 10+).
• A modern web browser with 256-bit SSL/TLS encryption enabled (Google Chrome, Mozilla Firefox, Apple Safari, or Microsoft Edge, updated to the current major version).
• A valid, active email address capable of receiving inbound messages with attachments.
• Software capable of viewing and rendering Portable Document Format (.PDF) documents, such as Adobe Acrobat Reader or native browser PDF viewers.
• Sufficient electronic storage capacity or a functioning printer to save or print records for your personal files.

4 How to Withdraw Your Consent

You have the right to withdraw your consent to receive electronic Communications at any time. You may withdraw your consent by contacting Client Relations in writing or via your authenticated account messaging inbox:

Consequences of Withdrawing Consent: Because Prime Global Bank operates as a next-generation private digital institution, electronic communication is fundamental to our core operating model. If you withdraw your consent, we reserve the right to restrict online banking access, convert your accounts to paper-statement status (subject to applicable paper statement fees outlined in our Fee Schedule), or close your accounts pursuant to the Deposit Account Agreement.

5 Requesting Paper Copies

Even after consenting to electronic delivery, you may request a physical paper copy of any legal Communication or historical account statement without withdrawing your electronic consent. Paper statements may be requested through your dedicated wealth advisor or via in-app support. Applicable archival document search and printing fees may apply in accordance with the current Fee Schedule.

6 Maintaining Accurate Contact Information

It is your sole responsibility to maintain a current, valid email address and mobile telephone number on file with Prime Global Bank. You must promptly notify us of any change in your contact credentials through your profile settings or by contacting your dedicated wealth advisor.

Any Communication sent to the primary email address registered in your profile will be deemed delivered and legally binding, regardless of whether you access, open, or read the communication.

7 Confirmation and Legal Acceptance

By checking the acceptance checkbox during enrollment, or by accessing our digital platforms, you acknowledge that:

• You have read, understand, and agree to this Electronic Communications Disclosure in its entirety.
• Your computer or mobile hardware meets the technical requirements outlined in Section 3.
• You have a valid, functioning email address and you consent to the electronic delivery of all regulatory, legal, and operational Communications.