4244 | 4/1/2021

Direct Debit Supplement to Interactive Brokers LLC Customer
AgreementThis Supplement (the "Supplement") to the Interactive Brokers LLC Customer Agreement is madebetween Customer ("you") and Interactive Brokers LLC ("IBKR", "we", or "us") and sets forth theconditions under which IBKR agrees to permit you to direct debit funds from your IBKR brokerage
account ("Brokerage Account") via an external account at a U.S. bank or other U.S.-resident financial
institution ("External Account") using the Automated Clearing House (ACH) network (the "Service").
You agree to be legally bound by the terms and conditions set forth in this Supplement.
You understand and agree that you continue to remain bound by the terms and conditions of theIBKR Customer Agreement (as amended from time to time, the "Customer Agreement") whichgoverns your Brokerage Account, of which this Supplement forms a part (such Customer Agreement,together with this Supplement and any other supplements, annexes, schedules or exhibits, the"Agreement"), and that all terms and conditions in the Customer Agreement, including, withoutlimitation, the "Mandatory Arbitration" provision thereof, shall also govern the relationship between
IBKR and you with regard to the Service and any other service, transaction or relationshipcontemplated by this Supplement. Unless otherwise defined, capitalized terms used but not definedin this Supplement shall have the meanings assigned in the Customer Agreement.
1. General Features of the Service: Through the Service, you may instruct another U.S. financial
institution or payment system (the "External Correspondent") to direct debit your Brokerage Account ina specified amount for the benefit of an External Account, and that debit will be submitted to IBKR
through its agent bank by the External Correspondent for payment via the ACH network (a "DirectDebit"). Direct Debits may be withdrawn up to the available cash balance in your Brokerage Account(the "Available Cash Balance"), subject to any limits under Section 7 of this Supplement. In addition, if
your Brokerage Account is a margin account, to the extent that you do not have sufficient Available
Cash Balance, your Brokerage Account will automatically make available funds, by incurring a newmargin debit in your Brokerage Account, up to your cash withdrawal limit (subject to any limits underSection 7 of this Supplement), pursuant to the terms of your Customer Agreement (the "MarginSpending Limit" and as added to your Available Cash Balance, your "Spending Power").

2. ACH Authorization: You hereby authorize IBKR to (i) honor Direct Debit instructions received via theACH network by our agent bank with respect to your Brokerage Account (a remotely-initiated transferof funds from your Brokerage Account to an External Account) and (ii) initiate returns of erroneous,unauthorized, or duplicate Direct Debit entries or Direct Debit entries that exceed your Spending
Power. This authorization will remain in full force and effect until IBKR has received written notificationfrom you of its termination. IBKR must receive this notification of termination in a time and manner so
as to give IBKR and the other financial institutions a reasonable opportunity to act on your instructions.
We will send you a notification in writing (a "Debit Notice") anytime we receive a Direct Debit request

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for your Brokerage Account. Currently, we will send Debit Notices by SMS text message. In the future
we may offer other ways to receive Debit Notices. We may add such other methods to the terms ofthis Agreement at any time by notifying you in writing or by providing notice on our website atwww.ibkr.com of such change.
You should immediately review any Debit Notice you receive from us. If you do not recognize thetransaction in any such Debit Notice, you should notify us immediately (but in any event no later than
2pm Eastern Time on the Business Day (Monday through Friday, excluding federal and legal bankingholidays) following the day of our Debit Notice) by cancelling the transaction via the functionality inyour IBKR mobile app on your smartphone ("IBKR Mobile"). We may provide alternative means tocancel a Direct Debit in the future. We will notify you in writing or provide notice on our website of any
such alternative mechanism (the term IBKR Mobile, as used below, shall encompass any suchalternative mechanism as well), and such notice shall serve to amend the terms of this Agreement toencompass such alternative method.
If we receive a Direct Debit request for your Brokerage Account in excess of a certain threshold dollar
value (the "Threshold Amount"), we will automatically reject such request unless you explicitly
authorize and approve such specific Direct Debit via IBKR Mobile by no later than 2pm Eastern Timeon the Business Day following the day of our Debit Notice, and we will note that fact in our Debit
Notice to you for such Direct Debit.
The Threshold Amount is currently $1,000, but we may change that at any time without notice to you.
We will endeavor to notify you in writing promptly of any such change to the Threshold Amount, but
our failure to so notify you will not negate any such change or result in any liability to you.
We may, from time to time, add additional security measures, in our sole discretion, with or without
notice to you. Such security measures may, in some instances, result in a Direct Debit being delayedor rejected. We will not be liable to you for any loss or damages you incur as a result of our delay orrejection of your Direct Debit as the result of such security measures.

3. Use and Purpose: For security reasons, we may limit the amount or number of transactions you canmake using the Service. You may not use the Service for any illegal transaction. If we suspect that you
have used the Service to conduct an illegal transaction, we reserve the right to cancel your enrollment
in the Service. We reserve the right to decline any Direct Debit request at any time, even if there issufficient Spending Power available in the Brokerage Account to settle the transaction, if, in our sole
discretion, we believe that a transaction is for an improper purpose, is fraudulent, or is otherwise notwithin the terms of the Service as set forth by IBKR from time to time. IBKR will not be liable for any
incidental or consequential damages incurred by you or any other person as a result of IBKR declining
any Direct Debit request under such circumstances.

4. Available to Withdraw: Your Spending Power may fluctuate from day to day because it is dependent
upon changes in the Available Cash Balance (and, in the case of margin accounts, available Margin
Spending Limit) in your Brokerage Account. Promptly after IBKR is notified of a Direct Debit request,
your Spending Power is reduced. You promise not to make a transaction that exceeds your Spending
Power. If you attempt to make a transaction that will exceed your Spending Power, the transaction will
normally be declined. If, for any reason, such transaction is not declined, you agree to be responsible
for such transaction to the full extent permitted under the applicable Agreement(s).

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5. Payment for Direct Debit Transactions: On a daily basis, IBKR will receive notice of the direct debit
transactions you have initiated using the Service. Funds will automatically be withdrawn from yourBrokerage Account to satisfy the debits that are settling that day. You authorize IBKR to charge yourBrokerage Account in order to pay for transactions that you initiate through an External Account. Eachtransaction shall be considered to be your direction to us to charge your Brokerage Account in order tosettle the Direct Debit transaction you have initiated. When you make a payment using the Service,
the charge or reduction to your Spending Power generally occurs immediately upon receipt by IBKR of
the Direct Debit request.

6. Payment of Items: All transactions made using the Service will be accumulated daily, and charged toyour Brokerage Account in any order we may choose. We will debit your Brokerage Account in thetransaction amount on the day a transaction settles, including any fees or other charges associatedwith the transaction. If you do not have a sufficient Available Cash Balance at the time a transaction
settles, if you have a margin account, we will settle the transaction by increasing your current margindebit (if any), up to your Margin Spending Limit. If you do not have sufficient Spending Power to settle
a Direct Debit request, we will decline the request. If we inadvertently approve and settle a Direct
Debit for which you lack sufficient Spending Power, you hereby authorize us to attempt to reverse thetransaction with the External Correspondent. If we are unable to do so, you understand that you will be
liable for the full amount of the Direct Debit, even if it exceeded your Spending Power at the time ofsettlement.
You understand that margin transactions carry substantially increased risk, including the risk that wewill be obligated to liquidate your Brokerage Account in part or whole if your Brokerage Account falls
below its minimum maintenance margin level, and that you will be charged interest on any margindebit you incur. You understand that IBKR generally will not issue margin calls in connection withmargin deficiencies and that you may not be able to transfer funds into your Brokerage Accountquickly enough to prevent liquidation in the event that your Brokerage Account falls below
maintenance margin requirements on either an intraday or overnight basis. Please read the sectionof your Customer Agreement titled "Margin" for more details about the risks of margin tradingand IBKR's policies in connection with margin deficits, margin calls, and liquidation.

7. Limitations on Frequency and Dollar Amounts of Transactions: For security reasons, we may
further limit the number or dollar amount of Direct Debit transactions you can make per day, or themaximum amount of any single Direct Debit transaction, using this Service. Current limits can befound at https://www.ibkr.com.

8. Recurring Transactions: If you intend to use this Service for recurring transactions, you should
monitor your balance and ensure you have funds available in your Brokerage Account to cover thetransactions. "Recurring transactions" are transactions that are authorized in advance by you to becharged to your Brokerage Account at substantially regular intervals. We are not responsible if arecurring transaction is declined because you have not maintained a sufficient balance in yourBrokerage Account to cover the transaction. If you have authorized an External Correspondent ormerchant to make a recurring transaction and you do not expect to have sufficient Spending Power inyour Brokerage Account to cover the transaction, you also should contact the applicable External
Correspondent or merchant in order to stop the recurring transaction.

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9. Authorization to Share Information With Third Parties: We will not reveal any information to thirdparties about your Brokerage Account or any transaction information in connection with yourparticipation in this Service, EXCEPT you hereby authorize us to share information concerning yourtransactions: (1) with our affiliates and agents for the purpose of servicing your participation in theService; (2) where it is necessary for completing your transactions or providing you other services; (3)to other persons and entities in order to resolve disputes arising from transactions; or (4) in any othercircumstances contemplated by our Privacy Policy, as furnished to you separately and updated oramended from time to time by us.

10. Your Liability: You should tell us AT ONCE (by calling 1-866-532-4654) and submit a Written
Statement of Unauthorized Debit to Interactive Brokers LLC (by mailing Interactive Brokers Direct
Debit, 209 S. LaSalle Street, 10th Floor, Chicago, IL 60604 or electronically via Account Management)
if you believe any unauthorized Direct Debit transactions have been made in your Brokerage Account.
If you tell us within 2 Business Days after you learn of an unauthorized Direct Debit transaction and/orthe loss or theft of your IBKR Mobile credentials, you can lose no more than $50 if someone initiated aDirect Debit and/or used your IBKR Mobile credentials to approve a Direct Debit without yourpermission. If you do NOT tell us within 2 Business Days after you learn of an unauthorizedtransaction and/or of the loss or theft of your IBKR Mobile credentials, and we can prove we could
have stopped someone from engaging in an unauthorized Direct Debit if you had told us, you could
lose as much as $500.
If your statement shows Direct Debits that you did not authorize, tell us at once. If you do not tell us
within 60 calendar days after the statement showing the first unauthorized transaction was madeavailable to you, you may not get back any money you lost after the 60 days if we can prove that wecould have stopped someone from taking the money if you had told us in time. If a good reason (suchas a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

11. Our Liability: If we do not complete a transfer to or from your Brokerage Account on time or in thecorrect amount according to our agreement with you, we will be liable for your losses or damages.
However, there are some exceptions. We will not be liable, for instance: (1) if, through no fault of ours,
you do not have enough Spending Power to make the transfer; (2) if the system was not working
properly and you knew about the breakdown when you started the transfer; (3) if circumstances
beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that wehave taken; (4) there may be other exceptions stated in our Agreement with you.

12. Unauthorized Transaction: In case of errors or questions about your Direct Debits, telephone us at1-866-532-4654, or write us at Interactive Brokers LLC, ATTN: Interactive Brokers Direct Debit, 209 S.
LaSalle Street, 10th Floor, Chicago, IL 60604, or log into your Brokerage Account as soon as you can.
We must hear from you no later than 60 calendar days after the FIRST statement showing the error
becomes available. When you contact us: (1) Tell us your name and Brokerage Account number; (2)Describe the error or the transfer you are unsure about, and explain as clearly as you can why youbelieve it is an error or why you need more information; (3) Tell us the dollar amount of the suspectederror; (4) Fill out and sign the Written Statement of Unauthorized Debit that will be provided to you andsubmit it to Customer Service electronically. If you report an unauthorized transaction to us orally, wewill still require you to submit a Written Statement of Unauthorized Debit (as set forth above).
We will tell you the results within three Business Days after completing our investigation. If we decidewww.interactivebrokers.com

Page 4 / 5that there was no error, we will send you a written explanation. You may ask for copies of thedocuments that we used in our investigation.

13. No Warranty: In the event that you pay a third-party, directly or indirectly, for any goods or services
through the use of the Service, we are not responsible for the delivery, quality, safety, legality or any
other aspect of such goods or services. Any disputes regarding any such goods or services must be
addressed to the merchants from whom any such goods and services were purchased.

14. Notices: Notices and other communications relating to your Brokerage Account in connection withyour use of the Service (including, without limitation, communications relating to your Spending
Power) will be provided electronically in accordance with your Customer Agreement.

15. Termination of the Service: IBKR or you may terminate the Service contemplated under thisSupplement at any time. You shall remain responsible for authorized charges that arise before or aftertermination of the Service. In the event of termination for whatever reason, you shall promptly destroy
all property relating to the Service.

16. Disputes Involving Your Brokerage Account: This Supplement shall be treated for all purposes asforming a part of the Customer Agreement. Any dispute between you and IBKR, arising from any ofthe services contemplated by this Supplement, shall be governed by the pre-dispute mandatory
arbitration provision of the Customer Agreement.

THE CUSTOMER AGREEMENT, WHICH THIS SUPPLEMENT FORMS A PART OF, CONTAINS A
PRE-DISPUTE ARBITRATION CLAUSE IN PARAGRAPH 34. BY SIGNING THIS SUPPLEMENT, I
ACKNOWLEDGE THAT THIS AGREEMENT CONTAINS A PRE-DISPUTE ARBITRATIONCLAUSE AND THAT I HAVE RECEIVED, READ AND UNDERSTOOD THE TERMS THEREOF.

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