Table of Contents

User Complaints Procedure Opto Markets LLC

The words and expressions in this document that begin with a capital letter have the meanings set out in Schedule 1 of our Opto Markets LLC Technology Services Terms of Business.

1. Introduction

Opto Markets LLC (“Opto”, “us” or “we”) is committed to providing the highest standard of service to the users (“you”, “customer” or “users”) of the Opto App. We acknowledge that there may be instances where you are not satisfied with the services received either from us or from Alpaca Securities LLC (“Alpaca”). This policy outlines the procedure for handling your complaints.

2. Objectives

Through effective handling of complaints, Opto aims to: o Ensure complaints pertaining to the Technology Services or your Opto Account are dealt with promptly by us; o Facilitate the transmission of (i) your complaints pertaining to your Alpaca Trading Account or to any Alpaca services to Alpaca and of (ii) Alpaca’s response back to you; o Maintain a positive relationship with users; o Identify and rectify any recurring issues; and o Enhance the quality of Opto’s services.

3. Procedure

Users can contact Opto either in the support section of the Opto App or via email at support@optothemes.com.

Users are encouraged to provide as much detail as possible regarding their complaint, including a copy of any relevant or supporting documentation. All complaints will be acknowledged within a reasonable timeframe. The acknowledgment will include: o A confirmation that the complaint has been received; o An overview of the complaints process; o An estimated timeframe (if possible) for reply.

4. Technology Services Complaints

Opto is a Technology Services provider and provider of the Opto App. We will respond to any complaints from you that directly concern your Opto Account or arise from the Technology Services provided to you on the Opto App. If you are dissatisfied with our response, you may request that your complaint be escalated to a senior manager for further review.

5. Trading Account and Brokerage Complaints

Brokerage and related services are offered by Alpaca. If your complaint relates to your Alpaca Trading Account or any of the services provided by Alpaca, we will forward your complaint to Alpaca . Please note that Opto has no authority to decide or resolve complaints that directly concern your Alpaca Trading Account, Alpaca or any of the services you receive from them on Alpaca’s behalf. If you are dissatisfied with Alpaca’s response to your complaint, you may have other recourses which Alpaca will outline in their response to you.

6. Amendments to the Procedure

Opto reserves the right to amend this User Complaint Procedure at any time without notice and in its sole discretion.

7. Contact Information

Email: support@optothemes.com

8. Disclosures

Opto Markets LLC is not a broker-dealer, investment adviser, or a member of the Financial Industry Regulatory Authority (FINRA). Securities are offered by Alpaca Securities LLC (“Alpaca”). Alpaca is a broker-dealer regulated by the Securities and Exchange Commission (SEC), a member of FINRA and the Securities Investor Protection Corporation (SIPC).

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*Effective as of March 21st. Rates are subject to change.

Our Broker, Alpaca Securities, offers a cash management program pursuant to the FDIC Bank Sweep. Customer funds are treated differently and are subject to separate regulatory regimes depending on whether customer funds are held in their brokerage account or within the FDIC Bank Sweep. Specifically, Alpaca Securities is a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). The Federal Deposit Insurance Corporation (FDIC) insures up to $250,000 per deposit against the failure of an FDIC member bank. Customer funds held in brokerage accounts are SIPC insured, but are not eligible for FDIC insurance coverage. Funds maintained in the FDIC Bank Sweep are intended to be eligible for pass-through FDIC insurance coverage, but are not subject to SIPC coverage. FDIC insurance coverage does not protect against the failure of Alpaca, Alpaca Securities, or any of its or their affiliates and/or malfeasance by any Alpacaor Alpaca Securities employee. Program banks that participate in the FDIC Bank Sweep are not members of SIPC and therefore funds held in the Program are not SIPC protected. Please see alpaca.markets/disclosuresfor important additional disclosures regarding Alpaca Securities brokerage offering as well as FDIC Bank Sweep terms and conditions.

Opto Markets LLC is not a broker-dealer, investment adviser, nor a member of the Financial Industry Regulatory Authority (FINRA). Securities are offered by Alpaca Securities LLC (“Alpaca Securities”). Alpaca Securities is a broker-dealer regulated by the Securities and Exchange Commission (SEC), a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC).

Alpaca Securities LLC (“Alpaca Securities”) is not responsible for and is not providing the technology and services you receive from us to access and manage your brokerage account with Alpaca Securities. You firmly agree to hold Alpaca and its affiliates, owners, directors, employees, clearing firm and agents harmless for any loss or damage arising from the use of or unavailability of the technology and services that we are providing. For Trading API (to trade stocks) questions reach out to support@alpaca.markets.

Opto Markets LLC is not an investment advisor and nothing herein or mentioned on any other Opto channel should be construed as investment advice. The content on this website, on our app and on any other Opto channel is provided for informational, educational and entertainment purposes only. Opto Markets LLC does not recommend any specific securities or investment strategies. Investing involves risk & investments may lose value, including the loss of principal. Past performance does not guarantee and is not an indicator of future results. Investors should consider their investment objectives and risks carefully before investing. Please seek the advice of an investment or financial advisor, and do not apply any of the generalized material available herein or on other Opto channels to your individual facts or circumstances without speaking to an investment or financial advisor. Unless otherwise stated, the prices used on this website are provided by third parties and are for display purposes only.

The information on this site is not intended for distribution to, or use by, any person in any country or jurisdiction where such distribution or use would be contrary to local law or regulation.