E-Sign Disclosure and Consent to Agreement to Use Electronic Records and Signatures

This E-Sign Disclosure and Consent to Agreement to Use Electronic Records and Signatures (“Disclosure”) applies to all communications, as defined below, for services provided by Alto Solutions, Inc. and our affiliates and partners (“Alto,” “we,” “us,” or “our”) in connection with your AltoIRA account (“Account”).

By clicking “Accept” you will be giving us your informed consent and agreement to use the electronic records and signature system and process described below to electronically receive and review and electronically sign paperless documents. You will be agreeing to be bound by any documents you electronically sign the same as if you had received a paper copy of the document and signed it by hand with an ink pen. You will be consenting to this Disclosure and affirm the following:

• Unless and until you withdraw your consent, as described below, you agree to electronically receive and review any and all notices, disclosures, and communications related to your Account, as more fully described below under “Type of Communications to be Provided in Electronic Form” (collectively, “Communications”). We will provide these Communications to you electronically instead of providing paper copies to you. The manner in which we will provide Communications to you electronically is described below under the heading “How We Will Provide Communications to You.”
• You have read, understand and agree to be bound by the terms and conditions described in this Disclosure.
• You confirm that you have the required hardware and software described below under the heading “Hardware and Software Requirements” and the ability to access, download, save and/or print Communications made available to you.
• You confirm that you have a valid e-mail account that you are able to access.
• You acknowledge that it is your responsibility to download and save or print Communications for your records.
• You confirm that you understand that even though there is no charge to receive Communications electronically, your Internet service provider or telephone or wireless service provider may charge you fees (including roaming fees) for online access.
• You are authorized to, and do, consent to the terms and conditions of this Disclosure on behalf of all other account owners, authorized signers, beneficiaries, authorized representatives, delegates and/or service users.

Types of Communications to be Provided in Electronic Form. Your consent to receive Communications electronically includes, but is not limited to, the following types of Communications:

• All legal and regulatory disclosures and communications associated with your Account or any product or service available through or provided in connection with your Account;
• All agreements relating to your Account, including but not limited to the Alto terms of service, the terms of investments made through your Account, and the terms of third-party custodial or other services provided in connection with your Account;
• Notices and disclosures about your Account settings, features and changes, and about changes to any terms of service relating to your Account;
• Privacy policies and notices and updates or changes thereto;
• Investment information and materials relating to any security or asset offered or sold by any third party, or purchased, sold, or held in connection with your Account, including but not limited to offering memoranda, purchase agreements, subscription agreements, organizational documents, promissory notes, share certificates, cryptocurrencies and other digital assets, amendments, and Direction of Investment instructions, letters, presentations, reports, notices, files, disclosures and trade confirmations relating to the foregoing;
• Payment instructions and information, transaction receipts and confirmations, and communications regarding any authorization to initiate any transfer of funds, including transfers, rollovers, and contributions to and from your Account, whether by wire transfer, automated clearing house (ACH) debits to your checking or savings account or otherwise;
• All periodic and other billing, tax, or account statements for your Account; and
• Customer service communications.

How We Will Provide Communications to You. All Communications that we provide to you in electronic form will be provided by one or more of the following methods: (1) via e-mail, (2) by access to a website, including a mobile website, that we will designate in an e-mail notice we send to you at the time the information is available, (3) to the extent permissible by law, by access to a website, including a mobile website, that we will generally designate in advance for such purpose, (4) via a mobile application, or (5) by requesting that you download a PDF file containing the Communication. If we make a Communication available to you at a mobile website or via a mobile application, we will also provide the Communication to you via e-mail or a website where you may access and download or print the Communication.

If we make a Communication available to you, we will notify you by e-mail at the address you provide to us that a Communication is available for you to access.

You should retain a copy of all electronic documents we provide to you, including this Disclosure, for your future reference. You can do this by printing the page on paper or saving it to your computer.

Even though you have consented to receive Communications electronically, we may always in our discretion or when required by applicable law provide a Communication to you in paper form at the mailing address that you have provided to us.

Your Option to Receive Paper Copies. We provide all communications to you electronically, except solely to the extent state or federal law grants you an option to receive a paper copy of a communication. You may request a paper copy of a communication by emailing help@altoira.com. Paper communications that are not required to be issued by applicable law will be issued in our discretion, subject to our record retention policies and your payment of any administrative fees we may charge for such service from time to time. Any request for paper records that are not required by applicable law to be provided in paper form may be deemed a withdrawal of consent by you (as described in the section “Withdrawal of Consent to Received Electronic Notices”) which may result in your Account being closed.

• Hardware and Software Requirements. To access, download, save and/or print Communications electronically you must have: A computer suitable for connecting to the Internet with a Current Version (see description below) of an Internet browser we support that is JavaScript enabled.
• To access Communications through a mobile website or mobile application, one or more devices, such as a smartphone, mobile device, or tablet, suitable for connecting to the Internet and for downloading mobile applications and accessing mobile websites with a Current Version of one of the mobile operating systems we support (see description below);
• A connection to the Internet;
• A valid e-mail address that you are able to access and e-mail software or web-based access;
• The ability to access documents in HyperText Markup Language (HTML) and Portable Document Format (PDF) (in order to access PDF documents, you must have a Current Version of software that accurately reads and displays PDF files, such as Adobe Acrobat Reader); and
• Local, electronic storage capacity to retain our Communications and/or a printer to print Communications; and By “Current Version,” we mean a version of the software that is currently being supported by its publisher. Here is a list of the Internet browsers we support:

We support most modern browsers, including Chrome, Edge, Safari, and Firefox.

We support the following mobile operating systems:

AltoIRA.com is designed to work on your computer/PC but some functionality can also be used from your smartphone or tablet device.

You will need a printer if you wish to print Communications on paper, and electronic storage if you wish to download and save Communications to your computer.

We reserve the right to discontinue support of a Current Version of software if we determine, in our sole discretion, that it suffers from a security flaw or some other defect that makes it unsuitable for use with our website or your Account.

Withdrawal of Consent to Receive Electronic Notices. Your consent to electronic delivery of Communications remains in effect until you give us notice that you are withdrawing it.

Your consent to electronic delivery of Communications is a condition to maintaining your Account. If you elect to withdraw this consent, your Account will be closed.

You may withdraw your consent to electronic delivery of Communications at any time by emailing help@altoira.com with the subject line “E-Sign Withdrawal.” Your withdrawal of consent will become effective as soon as we have a reasonable opportunity to act upon it.

Any Communications we are required to deliver to you in paper form after deactivation or termination will be sent by mail to the address you have previously provided to us. We reserve the right to charge a fee for the delivery of paper records up to the actual out-of-pocket cost of printing and delivery or $35 per Communication, whichever is greater.

Change of Contact Information. It is your responsibility to keep your primary email address current so that Alto can communicate with you electronically. If your mailing address, e-mail address, telephone number or other contact information changes, you may provide updated information by contacting us at help@altoira.com. You understand and agree that if we send you a Communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, we will be deemed to have provided the Communication to you; however, at our option, we may instead deem your Account inactive and close your Account.