4435 | 21 February 2024

Amex Card Supplement to InteractiveBrokers LLC Client Agreement
This supplement ("Supplement") to the Interactive Brokers LLC Client Agreement (asamended from time to time, the "Client Agreement") is made between Client andInteractive Brokers LLC ("IBKR") and sets forth the conditions under which IBKR agrees
to accept standing instructions from Client to withdraw funds from Client's securities
brokerage account at IBKR ("Brokerage Account") to settle the balance of Client's
American Express International Dollar credit card ("Card") account ("Card Account")
held at American Express Travel Related Services Company, Inc. ("Amex") uponpresentment of a monthly invoice by Amex. Client agrees to be legally bound by theterms and conditions set forth in this Supplement. This Supplement is solely between
IBKR and Client, and nothing in this Supplement shall amend, supplement, vary, orotherwise change or replace the terms and conditions governing the relationshipbetween Amex and Client.
Client understands and agrees that Client continues to remain bound by the terms andconditions of the Client Agreement which governs Client's Brokerage Account, of which
this Supplement forms a part (such Client Agreement, together with this Supplement
and any other supplements, annexes, schedules or exhibits, the "Agreement"), and that
all terms and conditions in the Client Agreement, including, without limitation, the"Mandatory Arbitration" provision thereof, shall also govern the relationship between
IBKR and Client with regard to any services contemplated by this Supplement.
1. Card Eligibility
Client acknowledges that Client must at all times meet the eligibility requirements
as set out on Amex's website from time to time ("Eligibility Requirements") to beeligible for a Card. Eligibility Requirements are determined at Amex's sole
discretion and are subject to change. Clients should refer to current eligibility
requirements on the Amex website:
Platinum Card: https://www.americanexpress.com/content/dam/amex/enidc/company/legal/cardmember-agreements/pdf/q2-2023-idc/idc-platinum-06-302023.pdf;

Gold Card: https://www.americanexpress.com/content/dam/amex/enidc/company/legal/cardmember-agreements/pdf/q2-2023-idc/idc-gold-06-302023.pdf;
Centurion Card: https://www.americanexpress.com/content/dam/amex/enidc/company/legal/cardmember-agreements/pdf/q2-2023-idc/idc-centurion-06-302023.pdf
Client agrees to notify IBKR promptly if at any time Client no longer satisfies theEligibility Requirements.
2. Card Offering
By opening a Card via IBKR's invitation and agreeing to this Supplement,
Client gives IBKR a standing instruction to transfer funds from Client'sBrokerage Account to Amex ("Transfer Instructions") to automaticallysettle the balance of Client's Card Account as it becomes due.
Client's Card Account shall be due and payable monthly on a date solely
determined by Amex and agreed upon by Client (each such date, a "Due Date").
IBKR shall make payment (a "Payment") from the Brokerage Account to settle
the Card Account (to the extent sufficient funds are available, as detailed below),in accordance with the Transfer Instructions, on or before (but not more than fivedays prior to) the Due Date (each such date on which IBKR makes payment, a"Payment Date").
Payment shall be made first from the available USD cash balances in Client'sBrokerage Account (the "Available USD Cash Balance"). In addition, if Client'sBrokerage Account is a margin account, Payment shall be made (to the extent
Client does not have a sufficient Available USD Cash Balance) by incurring anew margin debit in USD in Client's Brokerage Account. In either case, Payment
shall only be made up to Client's cash withdrawal limit, pursuant to the terms of
the Client Agreement (the Client's "Payment Power"). Where the balance ofClient's Card Account exceeds the Client's Payment Power, IBKR shallmake Payment to Amex only up to Client's Payment Power and Client shallremain solely liable to Amex for the remaining unpaid balance of Client'sCard Account.
Agreement to the terms of this Supplement is necessary in order to beapproved and receive a Card. You may terminate this Supplement at anytime. Such termination shall not terminate the Standing Instructions under
this Supplement until after the next Payment Date following the termination
notice.
3. Payment of Card Account BalanceAmex will provide to IBKR, in general approximately five days prior to the Due
Date, notice of the balance of Client's Card Account (the "Due Amount"). Clientauthorizes IBKR to rely on Client's Transfer Instructions and authorizes IBKR todebit Client's Brokerage Account up to the lesser of (i) the Due Amount and (ii)
Client's Payment Power, and transfer the funds to Amex to make Payment on
Client's Card Account.
If Client's Brokerage Account is a cash account and the balance of Client's Card
Account exceeds Client's Available USD Cash Balance as of the time IBKR
initiates the Payment to Amex, Client instructs IBKR to convert unencumbered
non-USD currency balances (if any) in Client's account to USD up to the amountnecessary to satisfy the balance of Client's Card Account. The currency
conversion will be effected at then-current rates provided on the IBKR platform,plus applicable commission. Please read the section of the Client Agreement
titled "Multi-Currency Function in IBKR Accounts" and the Risk DisclosureStatement for Forex Trading and IB Multi-Currency Accounts for moredetails about the risks of currency fluctuation and the nature of foreign
currency exchange transactions.
If Client's Brokerage Account is a margin account and Client does not havesufficient Available USD Cash Balance at the time IBKR transfers funds to Amex,IBKR will complete the transfer by creating a margin debit or increasing Client's
current margin debit, but only up to Client's cash withdrawal limit. Clientunderstands that margin transactions carry substantially increased risk, including
the risk that IBKR will be obligated to liquidate Client's Brokerage Account in partor whole if Client's Brokerage Account falls below its minimum maintenancemargin level, and that Client will be charged interest on any margin debit Clientincurs. Client understands that IBKR generally will not issue margin calls inconnection with margin deficiencies and that Client may not be able to transfer
funds into Client's Brokerage Account quickly enough to prevent liquidation in theevent that Client's Brokerage Account falls below maintenance margin
requirements on either an intraday or overnight basis. Please read the sectionof the Client Agreement titled "Margin" for more details about the risks ofmargin trading and IBKR's policies in connection with margin deficits,
margin calls, and liquidation.
4. Advised Brokerage Accounts
Where Client's Brokerage Account is managed by a financial advisor ("Client'sFinancial Advisor"), Client instructs IBKR to disclose the balance of Client's Card
Account and Payment Date to Client's Financial Advisor. Prior to each Payment
Date, Client authorizes IBKR to use best efforts to disclose to Client's Financial
Advisor the amount necessary to settle Client's Card Account. IBKR will notdisclose details of any individual transactions (e.g., purchases) of Card Account.
The data provided is for informational purposes and IBKR is not responsible forincorrect information or any delay in providing the information. Please contact
IBKR Client Support to opt out.
5. Nature of Obligations
The obligations of IBKR as they relate to Client's Card are set forth in thisSupplement. Client's Card agreement with Amex sets forth Amex's obligations
and Client's obligations in connection with Client's Card. IBKR is not liable for theobligations of Amex, nor is Amex liable for the obligations of IBKR.
6. Notices
Notices and other communications relating to Client's Brokerage Account inconnection with Client's use of the Card (including, without limitation,communications relating to Client's Payment Power) will be provided
electronically in accordance with the Client Agreement.
7. Disputes
This Supplement shall be treated for all purposes as forming a part of the ClientAgreement. Any dispute between Client and IBKR, arising from any of theservices contemplated by this Supplement, shall be governed by the pre-disputemandatory arbitration provision of the Client Agreement. Client's Card agreementwith Amex may contain different dispute resolution provisions, which may apply
to disputes between Client and Amex and other parties covered by thatagreement but do not apply to disputes between Client and IBKR.
THE CLIENT AGREEMENT, WHICH THIS SUPPLEMENT FORMS A PART OF,CONTAINS A PRE-DISPUTE ARBITRATION CLAUSE IN PARAGRAPH 54. BYSIGNING THIS SUPPLEMENT, CLIENT ACKNOWLEDGES THAT THE AGREEMENTCONTAINS A PRE-DISPUTE ARBITRATION CLAUSE AND THAT CLIENT HASRECEIVED, READ, AND UNDERSTOOD THE TERMS THEREOF.