If the account holder makes a transaction (for example. B a debit card withdrawal or transaction) in a currency other than U.S. dollars, the merchant, network or processor will convert all corresponding direct debits or credits into U.S. dollars, in accordance with its current policies. The conversion rate applied may differ from the interbank exchange rates for wholesale customers that come into effect on the date of the account holder`s transaction, and the conversion rate may involve or reflect a foreign currency conversion fee. For more information on fees, please see the rates and rates at us.etrade.com/what-we-offer/pricing-and-rates. Any special rules relating to the use of other elements provided in the application may be included elsewhere in the application and are included in these conditions by reference. If you are a customer of the company, you may have additional levels of access to the application. Your relationship with the Company is subject to these Terms, as well as any additional agreements or disclosures that the Company requests from you, including, but not limited to, the E*TRADE Customer Agreement (the “Customer Agreement”). The account holder accepts the use of automated systems or service desks by E*TRADE companies in connection with: the receipt and processing of orders; the declaration of order confirmations, cancellations and presentations; clearing and settlement of transactions on behalf of the account; taxation and cost base reports; the provision of information on the issuer in relation to guarantees; and similar registration and reporting services, as well as account voting and risk management (together “Automated Systems”). The Account Holder understands that the use of automated systems involves risks, including service interruptions, systems or communication errors, delays in service, cyberattacks and errors in the design or functionality of such automated systems (together a “system defect”), which may cause damage, significant costs or responsibilities to the account holder.

Fees charged by E*TRADE in connection with a transaction on behalf of the customer are used to offset fees charged by third parties charged to e*TRADE in general in respect of such transactions, including, but not limited to, regulatory or transactional fees or taxes, market center fees, clearing house fees or filing fees issued by a regulatory authority, self-regulatory body, market centre, clearing house, clearing house, clearing house or depositary, including, but not limited to, the SEC, FINRA, any national stock exchange or other market centre, DTC and NSCC. E*TRADE has the right to set such fees at its discretion and such fees may differ or exceed the actual fees paid by E*TRADE in connection with a transaction. These differences may be due to various factors, including the rounding method used by E*TRADE, the use of allocation and transaction accounts or settlement movements for which no tax can be collected, time differences in changes, third-party interest rate caps and caps, miscalculations and various other abnormal reasons. In providing the means of electronic trade intermediation, E* TRADE does not recommend or approve what is generally referred to as “daytrading”, i.e. the practice of buying and selling (or selling and buying) the same security in a trading day. The account holder understands that the exercise of daily trading is extremely risky and is not suitable for clients with limited resources, limited investment or trading experience or low risk tolerance.. . .