Long Bridge Securities LLC Supplemental Customer Account Services Agreement

October 2026
SEC Registered Broker-Dealer • FINRA Member • SIPC Member

IMPORTANT NOTICE — PLEASE READ CAREFULLY

This Supplemental Customer Account Services Agreement is a legally binding contract between you and Long Bridge Securities LLC. By accepting this Agreement when you open your account, you agree to all terms and conditions set forth herein. This Agreement contains important disclosures regarding fees, limitations of AI-generated content, and your rights as a retail investor under applicable federal securities laws.

1. PARTIES TO THIS AGREEMENT

This supplemental brokerage account agreement (this “Agreement”) supplements the Apex Clearing Corporation Customer Account Agreement (the “Apex Agreement”) and is entered into by and between:

Long Bridge Securities LLC, a Texas limited liability company (“Longbridge,” the “Firm,” “we,” “us,” or “our”), registered as a broker-dealer with the U.S. Securities and Exchange Commission (“SEC”) and a member of the Financial Industry Regulatory Authority (“FINRA”) and the Securities Investor Protection Corporation (“SIPC”), with its principal place of business located at: 6900 Dallas Parkway, Plano, TX 75024, and the individual who has applied to open a brokerage account with Longbridge and has accepted the terms of this Agreement (“Customer,” “you,” or “your”).

This Agreement becomes effective upon Customer’s electronic or written acceptance of this Agreement at account opening.

2. DEFINITIONS

As used in this Agreement:

“Account” means the brokerage account opened by Customer with Longbridge.
“AI Financial Agent” means the artificial-intelligence-powered conversational tool provided by Longbridge using technology developed and operated by its affiliate, Longbridge AI Technologies (“LBAI”), for financially-related inquiries, analysis, and, for Customers on a paid Service Tier, recommendations subject to Regulation Best Interest.
“AI Non-Financial Agent” means the artificial-intelligence-powered conversational tool provided by Longbridge using technology developed by LBAI for non-financial inquiries and general assistance.
“AI Services” means, collectively, the AI Financial Agent, the AI Non-Financial Agent, and all related data, outputs, and interfaces.
“Applicable Law” means all federal and state statutes, regulations, rules, and regulatory guidance applicable to the services provided hereunder, including but not limited to the Securities Exchange Act of 1934, the Investment Advisers Act of 1940, FINRA Rules, and Regulation Best Interest (Reg BI).
“Business Day” means any day that the New York Stock Exchange (NYSE) is open for regular trading.
“Monthly Subscription Fee” means the recurring fee paid by Customer to LBAI for a paid Service Tier, as described in Section 8.
“Reg BI” means SEC Regulation Best Interest under the Securities Exchange Act of 1934, as amended (17 C.F.R. § 240.15l-1).
“Securities” means equities (stocks), exchange-traded funds (ETFs), and equity and index options offered through the Account.
“Service Tier” means the AI Services plan selected by Customer: Starter (no cost), Plus ($19.99/month), Pro ($49.99/month), or Max ($99.99/month).

3. ACCOUNT ELIGIBILITY AND OPENING

3.1 Eligibility Requirements

To open and maintain an Account with Longbridge, Customer must:

Be a natural person who is at least 18 years of age (or the age of majority in Customer’s state of residence, if higher);
Be a U.S. resident;
Have a valid U.S. Social Security Number or Individual Taxpayer Identification Number;
Provide a valid U.S. residential address (P.O. Boxes not accepted as primary address);
Have a linked U.S. bank account for funding purposes; and
Not be subject to any regulatory bar, suspension, or statutory disqualification under the federal securities laws.

3.2 Account Types

Longbridge currently offers individual taxable brokerage accounts only. The Firm does not currently offer joint accounts, custodial accounts, retirement accounts (IRA, Roth IRA, SEP-IRA, etc.), trust accounts, or corporate/entity accounts. Longbridge reserves the right to expand account types in the future upon notice to customers.

4. BROKERAGE SERVICES

4.1 Scope of Brokerage Services

Longbridge is a registered broker-dealer offering execution services, through its clearing broker, Apex Clearing Corporation (“Apex”), for orders placed by Customer in the following securities:

Common and preferred stocks listed on national securities exchanges or traded in the over-the-counter (OTC) market;
Exchange-traded funds (“ETFs”), including equity, fixed-income, commodity, and index ETFs;
Equity options on individual securities; and
Index options on recognized financial indices.

OTC-traded securities and index options are available only on a self-directed basis. The AI Financial Agent does not recommend OTC-traded securities, index options, or any other options transaction.

4.2 Unsolicited Order Basis

Transactions in Customer’s Account are self-directed and executed on an unsolicited basis unless they result from a recommendation Customer requests from the AI Financial Agent. If Customer materially changes a recommended transaction before placing it, for example by choosing a different security, changing a buy to a sell, increasing the quantity, or changing the order type or trade plan in a way that increases the risk of the transaction, the resulting order will be treated as unsolicited. Minor adjustments that do not increase the risk exposure of the transaction (e.g., buying a lower quantity of shares than what was recommended) do not change the recommended nature of the transaction. Longbridge does not provide discretionary investment management services. The AI Financial Agent does not place orders; Customer must review and affirmatively accept any recommended order before it is submitted.

4.3 Margin Accounts

Longbridge offers margin accounts subject to a separate Margin Agreement, which Customer must execute prior to engaging in margin transactions. Margin investing involves significant risk of loss, including the potential to lose more than the amount deposited. Margin rates, maintenance requirements, and margin calls are described in the separate Margin Agreement and Margin Disclosure Statement.

Margin interest is charged at Apex’s base rate plus a markup that Longbridge retains, as described in Section 8.4 and the Reg BI Disclosure.

4.4 Options Trading

Options trading involves significant risk and is not appropriate for all investors. Prior to trading options, Customer must receive and review the Options Clearing Corporation’s disclosure document, “Characteristics and Risks of Standardized Options” (the “ODD”), and complete Longbridge’s options account application and approval process. Options trading levels will be assigned based on Customer’s experience, financial situation, and investment objectives. Currently, Longbridge only offers options trading levels 1 and 2. These levels are approved together as a single options approval. You cannot be approved for one without the other, and you must qualify for both to trade options in your account.

4.5 Fractional Shares

Longbridge offers fractional share trading, which allows Customers to purchase less than one whole share of eligible securities. Fractional shares may not be transferable to other broker- dealers in fractional form; upon account transfer, Longbridge may liquidate fractional positions and remit the cash value. Fractional shares do not carry the same voting rights as whole shares. Fractional share orders and DRIP purchases are executed by Apex, which may combine orders from multiple customers and may act as principal in filling the fractional portion of an order. Fractional share orders may not be executed immediately.

4.6 Dividend Reinvestment Program (DRIP)

Customers may elect to automatically reinvest cash dividends received on eligible securities into additional shares (including fractional shares) of the same security through Longbridge’s Dividend Reinvestment Program (“DRIP”). DRIP participation is subject to eligibility requirements and may be terminated by Customer or Longbridge at any time. DRIP purchases are executed at prevailing market prices.

4.7 Extended Trading Hours

Longbridge offers pre-market and after-hours trading sessions. Customer acknowledges that extended hours trading involves heightened risks, including:

Lower liquidity and wider bid-ask spreads;
Greater price volatility relative to regular market hours;
Potential inability to execute orders at desired prices;
News announcements occurring outside regular market hours that may cause significant price movements; and
Unlinked markets, which may result in prices that do not reflect prices in other trading venues.

EXTENDED HOURS SESSION TIMES:

Pre-Market: 4:00 AM to 9:30 AM ET
After-Hours: 4:00 PM to 8:00 PM ET
Overnight (24/5): 8:00 PM to 4:00 AM ET, running from Sunday 8:00 PM ET through Friday at 4:00 PM ET.

4.8 Clearing and Custody

Please refer to the Apex Agreement for details specific to clearing and custody services provided by Apex.

Customer’s securities are held in “street name” by the clearing firm on Customer’s behalf. Customer retains beneficial ownership of all securities in the Account.

Apex Clearing Corporation
Attention: Compliance
350 North St. Paul Street, Suite 1300
Dallas, Texas 75201
(214) 765-1055

4.9 Interest on Uninvested Cash

Uninvested cash in the Account is not automatically swept into an interest-bearing investment. It is held as a free credit balance with Apex and earns interest at a variable, nominal rate that may change at any time without notice. Apex shares with Longbridge a portion of the income it earns on these balances, and Longbridge uses part of that amount to fund the interest credited to Customer’s Account. This arrangement creates a conflict of interest, which is described, together with how Longbridge addresses it, in the Reg BI Disclosure.

4.10 Fully Paid Securities Lending

Customer may choose to enroll in Longbridge’s fully paid securities lending program, which is governed by a separate securities lending agreement. Enrollment is voluntary. Longbridge receives a portion of the revenue earned from lending Customer’s securities, as described in the Reg BI Disclosure.

4.11 Short Selling

Short selling is not currently available through the Account.

5. AI-POWERED SERVICES

5.1 Overview of AI Services

Longbridge provides two AI-powered conversational agents as part of the platform:

AI Financial Agent: An artificial intelligence tool designed to assist Customer with financially-related inquiries, portfolio analysis, market data, educational content, and, for Customers on a paid Service Tier, investment recommendations subject to Regulation Best Interest (“Reg BI”) compliance; and
AI Non-Financial Agent: An artificial intelligence tool designed to assist Customer with general, non-financial inquiries, general productivity, and other non-investment-related tasks. The AI Non-Financial Agent does not provide securities recommendations or investment analysis. Financial and investment questions are handled by the AI Financial Agent.

5.2 Form CRS and Reg BI Disclosure

Longbridge’s Form CRS summarizes the Firm’s services, fees, conflicts of interest, and disciplinary history, and Longbridge’s Reg BI Disclosure describes the Firm’s material conflicts of interest and how it addresses them.

Customer acknowledges receipt of the Form CRS and the Reg BI Disclosure prior to or upon account opening.

5.3 AI Data Usage and Monthly Limits

AI Services usage is subject to monthly usage limits based on Customer’s selected Service Tier. The specific data usage allotments for each tier are set forth in Section 8.2. If Customer exhausts the monthly AI data usage allotment prior to the end of a billing cycle:

Customer will be notified, and access to the AI Services will be limited for the remainder of the billing cycle. If the allotment is exhausted while the AI Financial Agent is completing a recommendation, the AI Financial Agent will complete that recommendation;
Customer’s brokerage Account and all trading functionality will remain fully accessible and unaffected;
Customer may purchase additional AI data usage (“Add-On Data”) at rates disclosed in Section 8.3; and
AI access will automatically restore at the beginning of the next billing cycle.

6. NATURE OF THE CUSTOMER RELATIONSHIP

6.1 Broker-Dealer Relationship

Longbridge acts as a broker-dealer, not as an investment adviser registered under the Investment Advisers Act of 1940. Recommendations from the AI Financial Agent are subject to Reg BI, which requires Longbridge to act in Customer’s best interest when making a recommendation. Reg BI is not a fiduciary standard, and nothing in this Agreement creates a fiduciary relationship between Longbridge and Customer.

6.2 No Discretionary Authority

Customer retains full and exclusive authority over the Account. Longbridge does not have or exercise discretionary authority to make investment decisions or place trades on Customer’s behalf. Customer must review and affirmatively accept any recommendation before an order is submitted.

7. AFFILIATES AND SERVICE PROVIDERS

7.1 Longbridge Affiliates

Longbridge is under common ownership with the following affiliates, each of which is a separate legal entity:

Longbridge AI Technologies (“LBAI”) develops and operates the artificial intelligence technology used for the AI Services and collects the Monthly Subscription Fee.
Longport Technology LLC (“LPT”) provides technology services to Longbridge, including the trading platform, mobile application, and related infrastructure.
Longbridge Adviser LLC is an affiliated investment adviser that is not currently operational and does not provide any services to Customer.

Longbridge, not LBAI or LPT, is responsible for the brokerage services provided to Customer and for recommendations made through the AI Financial Agent.

7.2 Clearing Firm

Apex is not affiliated with Longbridge. Apex carries Customer’s Account on a fully disclosed basis and provides custody, clearing, and settlement services under the Apex Agreement.

7.3 Compensation Between Longbridge and Its Affiliates

LBAI collects the Monthly Subscription Fee and pays a portion of it to Longbridge. Longbridge pays LBAI a fee for technology services. Because Longbridge shares in subscription revenue, Longbridge has an incentive to encourage Customer to subscribe to, keep, or upgrade a paid Service Tier. This conflict of interest, and how Longbridge addresses it, is described in the Reg BI Disclosure.

7.4 Affiliate Access to Customer Information

LBAI and LPT personnel may access Customer information, including account, trading, and AI interaction data, only to the extent needed to provide technology and support services to Longbridge. Access is limited by role and is subject to confidentiality obligations and to written restrictions on personal trading and the use of confidential information. Some LBAI and LPT personnel who have access to Customer information are located outside the United States, so Customer information may be accessed from, stored in, or transferred to other countries. Those countries may not provide the same level of data protection as U.S. law. Longbridge requires these personnel to follow the same access controls, security safeguards, and confidentiality obligations that apply to personnel in the United States, and Longbridge remains responsible for protecting Customer information under Regulation S-P and other applicable law.

8. FEES AND COMPENSATION

8.1 Commission-Free Trading

Longbridge does not charge commissions on purchases or sales of stocks, ETFs, or equity options in Customer’s Account. Options transactions are subject to per-contract fees and exercise and assignment fees, and index option purchases are subject to a ticket charge passed through from Apex, as described in Section 8.5. Commission-free pricing applies to all Service Tiers.

8.2 Monthly Subscription Fee Structure

Brokerage services, including all trading, margin, fractional share, DRIP, and extended hours features, are available to all Customers without a subscription. Paid Service Tiers are optional, and the Monthly Subscription Fee is paid to LBAI. Every Service Tier, including the Starter tier, uses the same AI Financial Agent with the same depth and scope of analysis. Recommendations are available only on a paid Service Tier. Customers on the Starter tier may use the AI Financial Agent’s research and analysis tools on a self-directed basis but do not receive recommendations. Among paid Service Tiers, the Service Tier determines only the monthly AI data usage allotment. The paid Service Tiers are:

Feature	Plus $19.99/month	Pro $49.99/month	Max $99.99/month
AI Financial Agent (same for all tiers)	✓	✓	✓
AI Data Usage (monthly)	x usage	5x usage	25x usage
Non-Financial AI Agent	✓	✓	✓
Add'l AI Data Purchases	✓	✓	✓

The no-cost Starter tier provides access to the AI Financial Agent and the AI Non-Financial Agent with limited usage but no access to the AI-generated recommendation services. Starter tier Customers may also purchase Add-On Data.

8.3 Add-On AI Data Purchases

Customers who exhaust their monthly AI data allotment may purchase additional AI data usage at the rates set forth in Longbridge’s current fee schedule.

8.4 Margin Interest

Customers utilizing margin will be charged interest on debit balances at the rates set forth in the separate Margin Agreement and applicable rate schedule. The margin rate is Apex’s base rate plus a markup that Longbridge retains. Margin is available whether or not Customer subscribes to a paid Service Tier.

8.5 Other Fees and Charges

The following regulatory and pass-through fees may apply to Customer’s Account:

SEC Transaction Fee: A statutory fee assessed on the sale of covered securities pursuant to Section 31 of the Securities Exchange Act of 1934.
FINRA Trading Activity Fee (TAF): Assessed on the sale of exchange-listed securities.
Options Regulatory Fee (ORF): Assessed on options transactions at rates set by the relevant options exchanges.
Exchange Fees: Certain exchange-specific fees for listed options transactions.
Options Contract Fee: Charged per options contract traded;
Options Exercise and Assignment Fee;
Index Option Ticket Charge: A pass-through charge from Apex on purchases of index options;
Wire Transfer Fees: Outgoing domestic wire transfers are subject to a fee;
Account Transfer Fee (ACAT): Customer-initiated full account transfers to another broker-dealer are subject to a fee;
Paper Statement Fee: Paper copies of statements and confirmations are available on request. Longbridge will obtain them from Apex, and each request is subject to a fee; and
Returned Check / ACH Fee.

A complete and current fee schedule is available on Longbridge’s website.

8.6 Fee Changes

Longbridge reserves the right to modify the Monthly Subscription Fee, Add-On Data pricing, or any other fees upon at least thirty (30) days’ prior written notice to Customer. Customer’s continued use of the Account and services following notice of a fee change constitutes acceptance of the modified fees.

8.7 Billing and Payment

Monthly Subscription Fees are billed in advance. The initial billing period begins on the date Customer’s account is opened, and the first Monthly Subscription Fee is charged at that time. Each subsequent Monthly Subscription Fee is billed in advance on the monthly anniversary of the account opening date. If the anniversary date does not occur in a given month, the Monthly Subscription Fee will be billed on the last day of that month. Monthly Subscription Fees owed to LBAI will be collected using the same payment method Customer used for the initial billing, either through Stripe or through the Apple App Store. For subscriptions purchased through the Apple App Store, billing, payment retries, cancellations, and refunds are handled by Apple in accordance with Apple’s applicable terms. If a Monthly Subscription Fee remains unpaid after any applicable retry or grace period, Customer’s paid Service Tier may be suspended. Customer’s brokerage Account is not affected.

8.8 No Refunds

Monthly Subscription Fees are non-refundable, including for periods when AI Services are unavailable due to maintenance or outages, except as required by applicable law. Partial-month fees will not be prorated upon account closure, except at Longbridge’s sole discretion. No rollovers of unused data.

8.9 Promotional Trials

Longbridge may offer Starter tier Customers a promotional trial code that provides temporary access to a paid Service Tier. The following terms apply to every trial code:

A trial code has no cash value, cannot be sold, transferred, or exchanged for cash, and expires on the date stated in the offer.
Recommendations made during a trial are subject to Reg BI and to the same standards as all other recommendations. Customer’s investment profile must be complete before Customer receives a recommendation.
When the trial ends, Customer’s account returns to the Starter tier. Customer will not be charged a Monthly Subscription Fee unless Customer affirmatively subscribes to a paid Service Tier.
After the trial ends, Customer will no longer receive recommendations, including updates to any trade plan provided during the trial. Orders Customer placed during the trial, including stop-loss and limit orders, remain in effect until they are executed, changed, or cancelled by Customer. Longbridge does not monitor Customer’s positions.

9. ACCOUNT PROTECTION AND INSURANCE

9.1 SIPC Coverage

Longbridge is a member of the Securities Investor Protection Corporation (“SIPC”). Customer’s securities and cash are held by Apex, which is also a SIPC member. If the SIPC member holding Customer’s assets fails, SIPC protects Customer’s securities account up to $500,000, including up to $250,000 for cash claims. SIPC protection does not cover losses due to market fluctuations, fraud by third parties, or the diminished value of securities.

For more information about SIPC coverage, please visit www.sipc.org or contact SIPC at:

SIPC, 1730 Pennsylvania Ave N.W., Suite 900, Washington, D.C. 20006
Telephone: (202) 371-8300

10. CUSTOMER OBLIGATIONS AND REPRESENTATIONS

10.1 Accurate Information

Customer represents and warrants that all information provided to Longbridge, including the investment profile information Longbridge uses to make recommendations under Reg BI, is and will remain true, accurate, and complete. Customer agrees to promptly notify Longbridge of any material change in Customer’s financial situation, investment objectives, risk tolerance, or contact information.

10.2 Tax Obligations

Customer is solely responsible for all federal, state, and local tax obligations arising from transactions in Customer’s Account. Longbridge will provide applicable tax forms (e.g., Form 1099-B, Form 1099-DIV and Form 1099-MISC) as required by law but does not provide tax advice. Customer should consult a qualified tax advisor.

10.3 Trusted Contact Person and Temporary Holds

Customer may designate a trusted contact person at account opening or at any time. Customer authorizes Longbridge to contact that person as permitted by FINRA Rule 4512, including to address possible financial exploitation or to confirm Customer’s contact information or health status. If Longbridge reasonably believes that Customer is a specified adult who may be the target of financial exploitation, Longbridge may place a temporary hold on disbursements or transactions as permitted by FINRA Rule 2165.

11. PRIVACY AND DATA USAGE

11.1 Privacy Notice

Longbridge’s Privacy Policy governs the collection, use, and sharing of Customer’s personal and financial information. A copy of the Privacy Policy is available on the Longbridge website.

11.2 AI Interaction Data

Customer acknowledges that interactions with the AI Financial Agent and AI Non-Financial Agent, including all queries, inputs, and responses, may be logged, stored, and used by Longbridge, and by LBAI on Longbridge’s behalf, for the following purposes:

Improving AI model performance and accuracy;
Regulatory compliance and supervision;
Fraud detection and security;
Customer service and dispute resolution; and
Analytics and product development.

Longbridge will not sell Customer’s AI interaction data to unaffiliated third parties for marketing purposes. Data sharing with service providers is subject to appropriate confidentiality obligations. Longbridge retains AI interaction records as required by SEC and FINRA recordkeeping rules. Customer may opt out of the use of Customer’s AI interaction data to train or improve AI models at any time through the Longbridge app or by contacting customer support. Opting out does not affect Customer’s access to the AI Services, and it does not stop Longbridge from logging and retaining AI interactions for regulatory compliance, supervision, fraud detection and security, or customer service and dispute resolution.

12. INVESTMENT RISK

12.1 Investment Risk

INVESTING IN SECURITIES INVOLVES RISK, INCLUDING THE POSSIBLE LOSS OF PRINCIPAL. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. AI-GENERATED ANALYSIS, COMMENTARY, AND RECOMMENDATIONS DO NOT GUARANTEE INVESTMENT SUCCESS.

13. DISPUTE RESOLUTION AND ARBITRATION

13.1 Pre-Dispute Arbitration Agreement Disclosure

This Agreement contains a pre-dispute arbitration clause. By signing this Agreement, the parties agree as follows:

ALL PARTIES TO THIS AGREEMENT ARE GIVING UP THE RIGHT TO SUE EACH OTHER IN COURT, INCLUDING THE RIGHT TO A TRIAL BY JURY, EXCEPT AS PROVIDED BY THE RULES OF THE ARBITRATION FORUM IN WHICH A CLAIM IS FILED.
ARBITRATION AWARDS ARE GENERALLY FINAL AND BINDING; A PARTY’S ABILITY TO HAVE A COURT REVERSE OR MODIFY AN ARBITRATION AWARD IS VERY LIMITED.
THE ABILITY OF THE PARTIES TO OBTAIN DOCUMENTS, WITNESS STATEMENTS, AND OTHER DISCOVERY IS GENERALLY MORE LIMITED IN ARBITRATION THAN IN COURT PROCEEDINGS.
THE ARBITRATORS DO NOT HAVE TO EXPLAIN THE REASON(S) FOR THEIR AWARD UNLESS, IN AN ELIGIBLE CASE, A JOINT REQUEST FOR AN EXPLAINED DECISION HAS BEEN SUBMITTED BY ALL PARTIES TO THE PANEL AT LEAST 20 DAYS PRIOR TO THE FIRST SCHEDULED HEARING DATE.
THE PANEL OF ARBITRATORS WILL TYPICALLY INCLUDE A MINORITY OF ARBITRATORS WHO WERE OR ARE AFFILIATED WITH THE SECURITIES INDUSTRY.
THE RULES OF SOME ARBITRATION FORUMS MAY IMPOSE TIME LIMITS FOR BRINGING A CLAIM IN ARBITRATION. IN SOME CASES, A CLAIM THAT IS INELIGIBLE FOR ARBITRATION MAY BE BROUGHT IN COURT.
THE RULES OF THE ARBITRATION FORUM IN WHICH THE CLAIM IS FILED, AND ANY AMENDMENTS THERETO, SHALL BE INCORPORATED INTO THIS AGREEMENT.

13.2 FINRA ARBITRATION

CUSTOMER AGREES THAT ANY DISPUTE, CONTROVERSY, OR CLAIM ARISING OUT OF OR RELATING TO THIS AGREEMENT, CUSTOMER’S ACCOUNT, OR LONGBRIDGE’S SERVICES (“DISPUTE”) SHALL BE RESOLVED BY FINAL AND BINDING ARBITRATION BEFORE FINRA DISPUTE RESOLUTION SERVICES IN ACCORDANCE WITH THE FINRA CUSTOMER CODE OF ARBITRATION PROCEDURE.

No person shall bring a putative or certified class action to arbitration, nor seek to enforce any pre-dispute arbitration agreement against any person who has initiated in court a putative class action; or who is a member of a putative class who has not opted out of the class with respect to any claims encompassed by the putative class action until: (i) the class certification is denied; or (ii) the class is de-certified; or (iii) the customer is excluded from the class by the court. Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this Agreement except to the extent expressly stated.

Longbridge will provide Customer with a copy of this Agreement, including this arbitration clause, in accordance with applicable FINRA requirements. Customer acknowledges receipt by accepting this Agreement. Longbridge will provide an additional copy of the arbitration clause within ten business days of Customer’s request.

13.3 Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of New York, without regard to conflict of law principles, and applicable federal securities laws.

14. ACCOUNT TERMINATION AND CLOSURE

14.1 Termination by Customer

Customer may close the Account at any time by contacting Longbridge customer service. Upon account closure, Customer must transfer or liquidate all positions. Longbridge will transfer Customer’s assets upon receipt of a valid ACATS transfer request or process liquidation as directed by Customer.

14.2 Termination by Longbridge

Longbridge reserves the right to restrict, suspend, or terminate Customer’s Account and/or AI Services at any time for cause, including but not limited to:

Violation of this Agreement or applicable law;
Failure to satisfy KYC/AML requirements;
Suspicious trading activity or suspected fraud;
Non-payment of fees or debit balances; or
Regulatory direction or legal requirement.

14.3 Effect of Termination

Upon termination, Customer’s access to AI Services and trading functionality will be suspended. Customer’s right to receive and transfer Account assets is not affected by termination, subject to applicable regulatory holds or legal process.

15. GENERAL PROVISIONS

15.1 Entire Agreement

This Agreement supplements, and does not replace, the Apex Agreement. This Agreement, together with the Apex Agreement, the Terms of Service, the Form CRS, the Reg BI Disclosure, the Privacy Policy, the Margin Agreement (if applicable), the options agreement (if applicable), and any other documents incorporated by reference, constitutes the entire agreement between the parties regarding the Account. If these documents conflict, the Apex Agreement governs clearing, custody, and settlement; this Agreement governs the services Longbridge provides; and the Terms of Service govern use of the Longbridge platform. Otherwise, the more specific provision controls.

15.2 Amendments

Longbridge may amend this Agreement upon thirty (30) days’ prior written notice to Customer. Material amendments to pre-dispute arbitration provisions require Customer’s affirmative consent.

15.3 Severability

If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15.4 Waiver

Longbridge’s failure to enforce any provision of this Agreement shall not constitute a waiver of its right to enforce that provision in the future.

15.5 Assignment

Longbridge may assign this Agreement to a successor entity or acquirer. Customer may not assign rights under this Agreement without Longbridge’s prior written consent.

Customer consents to receive all Account communications, disclosures, trade confirmations, account statements, tax documents, and regulatory notices electronically in accordance with Longbridge’s E-Sign and Electronic Delivery Policy. Customer further consents to the use of electronic signatures in connection with any agreements, authorizations, or other documents required in connection with the Account. Electronic delivery and electronic signature capability are required conditions of maintaining an Account with Longbridge. Longbridge operates as a fully electronic platform and does not offer ongoing paper delivery as an alternative to electronic delivery. Customer may request paper copies of specific statements or confirmations for a fee, as described in Section 8.5. If Customer withdraws consent to electronic delivery or electronic signatures, Longbridge will be unable to continue providing brokerage services and will initiate Account closure in accordance with Section 14.2. Customer will receive advance notice of Account closure and will retain the ability to transfer positions or withdraw funds prior to closure.

By opening and maintaining an Account, Customer acknowledges that: (i) Customer has the ability to access, receive, open, and retain electronic documents; (ii) Customer has reviewed and agrees to the terms of Longbridge’s E-Sign and Electronic Delivery Policy; and (iii) Customer understands that withdrawing electronic consent will result in Account closure.

15.7 Regulatory Oversight

Longbridge is subject to the oversight of the SEC, FINRA, and applicable state securities regulators. Customer may contact these regulators to check Longbridge’s background and registration:

SEC: www.sec.gov
FINRA BrokerCheck: brokercheck.finra.org | (800) 289-9999
SIPC: www.sipc.org | (202) 371-8300

15.8 Customer Complaints

Customer may submit a complaint by email to support@longbridge.com, by phone at 877-445-5234, or by mail to Long Bridge Securities LLC, Attention: Compliance, 6900 Dallas Parkway, Plano, TX 75024.

15.9 Unclaimed Property

If the Account is inactive and Longbridge cannot reach Customer for the period set by applicable state law, Longbridge or Apex may be required to deliver the Account’s assets to the appropriate state as unclaimed property.

16. CUSTOMER ACKNOWLEDGMENT AND AGREEMENT

BY OPENING AN ACCOUNT WITH LONG BRIDGE SECURITIES LLC, CUSTOMER ACKNOWLEDGES THAT CUSTOMER HAS READ, UNDERSTOOD, AND AGREES TO BE BOUND BY ALL TERMS AND CONDITIONS OF THIS AGREEMENT, INCLUDING THE PRE-DISPUTE ARBITRATION CLAUSE IN SECTION 13, AND ALL FEE DISCLOSURES IN SECTION 8.