E-SIGN CONSENT

Last Updated July 2, 2025

GalaxyOne Holdings LLC and its affiliates and third-party service providers (hereafter, “GalaxyOne ”) may need to provide you with certain communications, notices, agreements, billing statements, or disclosures in writing (“Communications”) regarding our Services. Your agreement to this E-sign Consent confirms your ability and consent to receive Communications electronically from GalaxyOne, rather than in paper form, and to the use of electronic signatures in our relationship with you (“Consent”). If you choose not to agree to this Consent or you withdraw your consent, you may be restricted from using the Services.

ELECTRONIC DELIVERY OF COMMUNICATIONS AND USE OF ELECTRONIC SIGNATURES

Under this Consent, GalaxyOne may provide all Communications electronically by email, by text message, or by making them accessible via GalaxyOne websites or applications. Communications include, but are not limited to, (1) agreements and policies required to use the Services (including, but not limited to, this Consent, the GalaxyOne Privacy Policy, the GalaxyOne Terms of Use, etc.), (2) payment authorizations and transaction receipts or confirmations, (3) account statements and history, (4) and all federal and state tax statements and documents. We may also use electronic signatures and obtain them from you.

SYSTEM REQUIREMENTS

To access and retain the electronic Communications, you will need the following:

  • A computer or mobile device with Internet or mobile connectivity.

  • For desktop website-based Communications:

    • Recent web browser that includes 256-bit encryption;

    • The browser must have cookies enabled. Use of browser extensions may impair full website functionality; and

    • Minimum recommended browser standards are the most recent versions of Mozilla Firefox (see http://www.mozilla.com for latest version), Apple Safari (see http://www.apple.com/safari for latest version), or Google Chrome (see http://www.google.com/chrome for latest version).

  • For application-based Communications:

    • A recent device operating system that supports text messaging, downloading, and applications from the Apple App Store or Google Play store; and

    • The most recent versions of Apple Safari or Google Chrome on iOS or Google Chrome for Android OS.

  • Access to the email address used to create an account for GalaxyOne services.

  • Sufficient storage space to save Communications and/or a printer to print them.

  • If you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add [email protected] to your email address book.

PAPER DELIVERY OF COMMUNICATIONS

You have the right to receive Communications in paper form. To request a paper copy of any Communication at no charge, please write to: GalaxyOne, 300 Vesey Street, 13 th Floor, New York, NY 10282, Attn: Customer Support (“GalaxyOne Address”) within 180 days of the date of the Disclosure, specifying in detail the Communication you would like to receive. For the avoidance of doubt, requesting a paper copy of any Communication, in and of itself, will not be treated as withdrawal of consent to receive electronic Communications.

WITHDRAWAL OF CONSENT TO ELECTRONIC COMMUNICATIONS

You may withdraw your consent to receive electronic Communications at any time, by writing to the GalaxyOne Address. However, withdrawal of your consent to receive electronic Communications may result in termination of your access to Services. Any withdrawal of your consent will be effective after a reasonable period of time for processing your request, and GalaxyOne will confirm your withdrawal of consent and its effective date in writing (either electronically or in paper form).

UPDATING YOUR EMAIL ADDRESS

You can change your email address by writing to the GalaxyOne Address. You may also be able to change your email address yourself through the Services.

GalaxyOne Cash account deposits held at Cross River Bank, Member FDIC. Insured up to $250,000. Debit Card issued by Cross River Bank, Member FDIC.


APY is variable and may change at any time before or after account opening.


An accredited investor, as defined by the U.S. Securities and Exchange Commission (SEC) under Rule 501 of Regulation D, includes an individual permitted to invest in certain private securities offerings not registered with the SEC. This status is based on income or net worth.


Galaxy Premium Yield is an investment product and is not a bank deposit or other obligation of, or guaranteed by, any bank. It is not insured by the FDIC or any other governmental agency. The note is unsecured, and investors may lose some or all of their principal. Past performance is not indicative of future results. Interest earned is taxable as ordinary income; please consult your tax advisor regarding your individual tax circumstances.


Galaxy Premium Yield Investment Note to be offered and sold has not been registered under the Securities Act of 1933, as amended, or states securities laws and may not be offered or sold absent registration with the SEC or an applicable exemption from the registration requirements. This shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of the Galaxy Premium Yield Investment Note in any state in which such offer, solicitation, or sale would be unlawful prior to registration or qualification under the securities laws of such state.


To obtain more information and to consider investing in Galaxy Premium Yield, please see reference here.


Digital assets are highly volatile, not legal tender, and not backed by any government. Investments in cryptoassets involve significant risk, including the potential loss of all principal. Digital assets available on GalaxyOne are held in custodial wallets with Paxos Trust Company, a New York State-chartered trust company regulated by the New York Department of Financial Services. These assets are not insured by the FDIC or SIPC.


Crypto trading on GalaxyOne may be subject to execution, network, or withdrawal fees, including applicable blockchain transaction ("gas") fees. While GalaxyOne does not charge spread markups, other costs may apply. Crypto transactions may trigger taxable events; please consult your tax advisor to understand your individual tax obligations.


GalaxyOne’s crypto services are offered in partnership with Paxos. By using these services, you agree to the GalaxyOne Digital Asset Customer Agreement and Risk Disclosure, available at Paxos Customer Agreement.


GalaxyOne Brokerage accounts are introduced by Fin2, LLC and offered through DriveWealth, LLC, a registered broker-dealer and member FINRA/SIPC. Securities products are not FDIC insured, not bank guaranteed, and may lose value. Commission-free trading refers to $0 commissions for self-directed individual cash brokerage accounts on U.S.-listed equities and ETFs. Other fees and charges (including regulatory fees, foreign transaction fees, and wire transfer fees) may apply. Fractional share trading is available for certain eligible securities; not all securities are available for fractional trading.


GalaxyOne Brokerage accounts and services are available only to U.S. persons who successfully complete KYC verification. All investing involves risk, including the potential loss of principal. You should carefully consider your investment objectives and risk tolerance before trading. Nothing herein should be construed as an offer, solicitation, or recommendation to buy or sell any security.


Extended hours trading involves additional risks, including reduced liquidity, increased volatility, and wider spreads. Prices may differ substantially from prices during regular market hours.


Traditional and Roth IRAs are subject to IRS rules and contribution limits. Consult a tax advisor for guidance specific to your circumstances.


The GalaxyOne Stock Lending Program is offered through  FIN2, member FINRA/SIPC, with clearing and custody services provided by DriveWealth LLC, a registered broker-dealer and member FINRA/SIPC. Participation is optional and subject to eligibility requirements. By participating, you agree that certain fully paid or excess margin securities in your account may be lent to other market participants for a fee. Income from stock lending is not guaranteed and may vary over time based on market demand and other factors. Participation in the program does not affect your ability to sell the lent securities; however, sale requests may take additional time to settle if the securities are on loan. Stock lending involves risks, including, but not limited to, the risk of borrower default, loss of voting rights, and potential tax implications. You may not receive dividends on lent securities. Past income from stock lending is not indicative of future results. See the Stock Lending Program Terms and Conditions for full details.


Stock lending involves risks, including but not limited to: (1) Loss of shareholder rights — While your securities are on loan, you will not have voting rights; (2) Loss of income on lent securities — You may not receive dividends or other distributions during the loan period; (3) Borrower credit risk — If the borrower defaults, you may not be able to recover the lent securities promptly, and market conditions could affect their value upon return; (4) Market risk — The value of lent securities may fluctuate during the loan term, and you may be forced to buy back securities at a higher price if needed to close a position; (5) Tax considerations — Any substitute payments received in place of dividends may be taxed differently than qualified dividends. Consult a tax advisor.

GalaxyOne Cash account deposits held at Cross River Bank, Member FDIC. Insured up to $250,000. Debit Card issued by Cross River Bank, Member FDIC.


APY is variable and may change at any time before or after account opening.


An accredited investor, as defined by the U.S. Securities and Exchange Commission (SEC) under Rule 501 of Regulation D, includes an individual permitted to invest in certain private securities offerings not registered with the SEC. This status is based on income or net worth.


Galaxy Premium Yield is an investment product and is not a bank deposit or other obligation of, or guaranteed by, any bank. It is not insured by the FDIC or any other governmental agency. The note is unsecured, and investors may lose some or all of their principal. Past performance is not indicative of future results. Interest earned is taxable as ordinary income; please consult your tax advisor regarding your individual tax circumstances.


Galaxy Premium Yield Investment Note to be offered and sold has not been registered under the Securities Act of 1933, as amended, or states securities laws and may not be offered or sold absent registration with the SEC or an applicable exemption from the registration requirements. This shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of the Galaxy Premium Yield Investment Note in any state in which such offer, solicitation, or sale would be unlawful prior to registration or qualification under the securities laws of such state.


To obtain more information and to consider investing in Galaxy Premium Yield, please see reference here.


Digital assets are highly volatile, not legal tender, and not backed by any government. Investments in cryptoassets involve significant risk, including the potential loss of all principal. Digital assets available on GalaxyOne are held in custodial wallets with Paxos Trust Company, a New York State-chartered trust company regulated by the New York Department of Financial Services. These assets are not insured by the FDIC or SIPC.


Crypto trading on GalaxyOne may be subject to execution, network, or withdrawal fees, including applicable blockchain transaction ("gas") fees. While GalaxyOne does not charge spread markups, other costs may apply. Crypto transactions may trigger taxable events; please consult your tax advisor to understand your individual tax obligations.


GalaxyOne’s crypto services are offered in partnership with Paxos. By using these services, you agree to the GalaxyOne Digital Asset Customer Agreement and Risk Disclosure, available at Paxos Customer Agreement.


GalaxyOne Brokerage accounts are introduced by Fin2, LLC and offered through DriveWealth, LLC, a registered broker-dealer and member FINRA/SIPC. Securities products are not FDIC insured, not bank guaranteed, and may lose value. Commission-free trading refers to $0 commissions for self-directed individual cash brokerage accounts on U.S.-listed equities and ETFs. Other fees and charges (including regulatory fees, foreign transaction fees, and wire transfer fees) may apply. Fractional share trading is available for certain eligible securities; not all securities are available for fractional trading.


GalaxyOne Brokerage accounts and services are available only to U.S. persons who successfully complete KYC verification. All investing involves risk, including the potential loss of principal. You should carefully consider your investment objectives and risk tolerance before trading. Nothing herein should be construed as an offer, solicitation, or recommendation to buy or sell any security.


Extended hours trading involves additional risks, including reduced liquidity, increased volatility, and wider spreads. Prices may differ substantially from prices during regular market hours.


Traditional and Roth IRAs are subject to IRS rules and contribution limits. Consult a tax advisor for guidance specific to your circumstances.


The GalaxyOne Stock Lending Program is offered through  FIN2, member FINRA/SIPC, with clearing and custody services provided by DriveWealth LLC, a registered broker-dealer and member FINRA/SIPC. Participation is optional and subject to eligibility requirements. By participating, you agree that certain fully paid or excess margin securities in your account may be lent to other market participants for a fee. Income from stock lending is not guaranteed and may vary over time based on market demand and other factors. Participation in the program does not affect your ability to sell the lent securities; however, sale requests may take additional time to settle if the securities are on loan. Stock lending involves risks, including, but not limited to, the risk of borrower default, loss of voting rights, and potential tax implications. You may not receive dividends on lent securities. Past income from stock lending is not indicative of future results. See the Stock Lending Program Terms and Conditions for full details.


Stock lending involves risks, including but not limited to: (1) Loss of shareholder rights — While your securities are on loan, you will not have voting rights; (2) Loss of income on lent securities — You may not receive dividends or other distributions during the loan period; (3) Borrower credit risk — If the borrower defaults, you may not be able to recover the lent securities promptly, and market conditions could affect their value upon return; (4) Market risk — The value of lent securities may fluctuate during the loan term, and you may be forced to buy back securities at a higher price if needed to close a position; (5) Tax considerations — Any substitute payments received in place of dividends may be taxed differently than qualified dividends. Consult a tax advisor.

GalaxyOne Cash account deposits held at Cross River Bank, Member FDIC. Insured up to $250,000. Debit Card issued by Cross River Bank, Member FDIC.


APY is variable and may change at any time before or after account opening.


An accredited investor, as defined by the U.S. Securities and Exchange Commission (SEC) under Rule 501 of Regulation D, includes an individual permitted to invest in certain private securities offerings not registered with the SEC. This status is based on income or net worth.


Galaxy Premium Yield is an investment product and is not a bank deposit or other obligation of, or guaranteed by, any bank. It is not insured by the FDIC or any other governmental agency. The note is unsecured, and investors may lose some or all of their principal. Past performance is not indicative of future results. Interest earned is taxable as ordinary income; please consult your tax advisor regarding your individual tax circumstances.


Galaxy Premium Yield Investment Note to be offered and sold has not been registered under the Securities Act of 1933, as amended, or states securities laws and may not be offered or sold absent registration with the SEC or an applicable exemption from the registration requirements. This shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of the Galaxy Premium Yield Investment Note in any state in which such offer, solicitation, or sale would be unlawful prior to registration or qualification under the securities laws of such state.


To obtain more information and to consider investing in Galaxy Premium Yield, please see reference here.


Digital assets are highly volatile, not legal tender, and not backed by any government. Investments in cryptoassets involve significant risk, including the potential loss of all principal. Digital assets available on GalaxyOne are held in custodial wallets with Paxos Trust Company, a New York State-chartered trust company regulated by the New York Department of Financial Services. These assets are not insured by the FDIC or SIPC.


Crypto trading on GalaxyOne may be subject to execution, network, or withdrawal fees, including applicable blockchain transaction ("gas") fees. While GalaxyOne does not charge spread markups, other costs may apply. Crypto transactions may trigger taxable events; please consult your tax advisor to understand your individual tax obligations.


GalaxyOne’s crypto services are offered in partnership with Paxos. By using these services, you agree to the GalaxyOne Digital Asset Customer Agreement and Risk Disclosure, available at Paxos Customer Agreement.


GalaxyOne Brokerage accounts are introduced by Fin2, LLC and offered through DriveWealth, LLC, a registered broker-dealer and member FINRA/SIPC. Securities products are not FDIC insured, not bank guaranteed, and may lose value. Commission-free trading refers to $0 commissions for self-directed individual cash brokerage accounts on U.S.-listed equities and ETFs. Other fees and charges (including regulatory fees, foreign transaction fees, and wire transfer fees) may apply. Fractional share trading is available for certain eligible securities; not all securities are available for fractional trading.


GalaxyOne Brokerage accounts and services are available only to U.S. persons who successfully complete KYC verification. All investing involves risk, including the potential loss of principal. You should carefully consider your investment objectives and risk tolerance before trading. Nothing herein should be construed as an offer, solicitation, or recommendation to buy or sell any security.


Extended hours trading involves additional risks, including reduced liquidity, increased volatility, and wider spreads. Prices may differ substantially from prices during regular market hours.


Traditional and Roth IRAs are subject to IRS rules and contribution limits. Consult a tax advisor for guidance specific to your circumstances.


The GalaxyOne Stock Lending Program is offered through  FIN2, member FINRA/SIPC, with clearing and custody services provided by DriveWealth LLC, a registered broker-dealer and member FINRA/SIPC. Participation is optional and subject to eligibility requirements. By participating, you agree that certain fully paid or excess margin securities in your account may be lent to other market participants for a fee. Income from stock lending is not guaranteed and may vary over time based on market demand and other factors. Participation in the program does not affect your ability to sell the lent securities; however, sale requests may take additional time to settle if the securities are on loan. Stock lending involves risks, including, but not limited to, the risk of borrower default, loss of voting rights, and potential tax implications. You may not receive dividends on lent securities. Past income from stock lending is not indicative of future results. See the Stock Lending Program Terms and Conditions for full details.


Stock lending involves risks, including but not limited to: (1) Loss of shareholder rights — While your securities are on loan, you will not have voting rights; (2) Loss of income on lent securities — You may not receive dividends or other distributions during the loan period; (3) Borrower credit risk — If the borrower defaults, you may not be able to recover the lent securities promptly, and market conditions could affect their value upon return; (4) Market risk — The value of lent securities may fluctuate during the loan term, and you may be forced to buy back securities at a higher price if needed to close a position; (5) Tax considerations — Any substitute payments received in place of dividends may be taxed differently than qualified dividends. Consult a tax advisor.

GalaxyOne Cash account deposits held at Cross River Bank, Member FDIC. Insured up to $250,000. Debit Card issued by Cross River Bank, Member FDIC.


APY is variable and may change at any time before or after account opening.


An accredited investor, as defined by the U.S. Securities and Exchange Commission (SEC) under Rule 501 of Regulation D, includes an individual permitted to invest in certain private securities offerings not registered with the SEC. This status is based on income or net worth.


Galaxy Premium Yield is an investment product and is not a bank deposit or other obligation of, or guaranteed by, any bank. It is not insured by the FDIC or any other governmental agency. The note is unsecured, and investors may lose some or all of their principal. Past performance is not indicative of future results. Interest earned is taxable as ordinary income; please consult your tax advisor regarding your individual tax circumstances.


Galaxy Premium Yield Investment Note to be offered and sold has not been registered under the Securities Act of 1933, as amended, or states securities laws and may not be offered or sold absent registration with the SEC or an applicable exemption from the registration requirements. This shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of the Galaxy Premium Yield Investment Note in any state in which such offer, solicitation, or sale would be unlawful prior to registration or qualification under the securities laws of such state.


To obtain more information and to consider investing in Galaxy Premium Yield, please see reference here.


Digital assets are highly volatile, not legal tender, and not backed by any government. Investments in cryptoassets involve significant risk, including the potential loss of all principal. Digital assets available on GalaxyOne are held in custodial wallets with Paxos Trust Company, a New York State-chartered trust company regulated by the New York Department of Financial Services. These assets are not insured by the FDIC or SIPC.


Crypto trading on GalaxyOne may be subject to execution, network, or withdrawal fees, including applicable blockchain transaction ("gas") fees. While GalaxyOne does not charge spread markups, other costs may apply. Crypto transactions may trigger taxable events; please consult your tax advisor to understand your individual tax obligations.


GalaxyOne’s crypto services are offered in partnership with Paxos. By using these services, you agree to the GalaxyOne Digital Asset Customer Agreement and Risk Disclosure, available at Paxos Customer Agreement.


GalaxyOne Brokerage accounts are introduced by Fin2, LLC and offered through DriveWealth, LLC, a registered broker-dealer and member FINRA/SIPC. Securities products are not FDIC insured, not bank guaranteed, and may lose value. Commission-free trading refers to $0 commissions for self-directed individual cash brokerage accounts on U.S.-listed equities and ETFs. Other fees and charges (including regulatory fees, foreign transaction fees, and wire transfer fees) may apply. Fractional share trading is available for certain eligible securities; not all securities are available for fractional trading.


GalaxyOne Brokerage accounts and services are available only to U.S. persons who successfully complete KYC verification. All investing involves risk, including the potential loss of principal. You should carefully consider your investment objectives and risk tolerance before trading. Nothing herein should be construed as an offer, solicitation, or recommendation to buy or sell any security.


Extended hours trading involves additional risks, including reduced liquidity, increased volatility, and wider spreads. Prices may differ substantially from prices during regular market hours.


Traditional and Roth IRAs are subject to IRS rules and contribution limits. Consult a tax advisor for guidance specific to your circumstances.


The GalaxyOne Stock Lending Program is offered through  FIN2, member FINRA/SIPC, with clearing and custody services provided by DriveWealth LLC, a registered broker-dealer and member FINRA/SIPC. Participation is optional and subject to eligibility requirements. By participating, you agree that certain fully paid or excess margin securities in your account may be lent to other market participants for a fee. Income from stock lending is not guaranteed and may vary over time based on market demand and other factors. Participation in the program does not affect your ability to sell the lent securities; however, sale requests may take additional time to settle if the securities are on loan. Stock lending involves risks, including, but not limited to, the risk of borrower default, loss of voting rights, and potential tax implications. You may not receive dividends on lent securities. Past income from stock lending is not indicative of future results. See the Stock Lending Program Terms and Conditions for full details.


Stock lending involves risks, including but not limited to: (1) Loss of shareholder rights — While your securities are on loan, you will not have voting rights; (2) Loss of income on lent securities — You may not receive dividends or other distributions during the loan period; (3) Borrower credit risk — If the borrower defaults, you may not be able to recover the lent securities promptly, and market conditions could affect their value upon return; (4) Market risk — The value of lent securities may fluctuate during the loan term, and you may be forced to buy back securities at a higher price if needed to close a position; (5) Tax considerations — Any substitute payments received in place of dividends may be taxed differently than qualified dividends. Consult a tax advisor.