Last Updated 4/27/2021 FOREX RISK DISCLOSURE

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Last updated 4/27/2021FOREX RISK DISCLOSURE STATEMENTForex trading involves significant risk of loss and is not suitable for all investors. Increasingleverage increases risk. Before deciding to trade forex, you should carefully consider your financialobjectives, level of experience and risk appetite. Any opinions, news, research, analyses, prices or otherinformation contained does not constitute investment advice. Spot gold and silver contracts are notsubject to regulation under the U.S. Commodity Exchange Act. Forex accounts are not protected by theSecurities Investor Protection Corp. (SIPC).Ally Invest Forex LLC ("Ally Invest Forex") acts as an introducing broker to GAIN Capital Group,LLC ("GAIN Capital"). Your account is held and maintained at GAIN Capital who serves as the clearingagent and counterparty to your trades. GAIN Capital is a registered FCM and RFED with the CFTC andmember of the NFA (NFA ID # 0339826). Ally Invest Forex is a member of the NFA (NFA ID # 0408077).In consideration of GAIN Capital agreeing to enter into Over-the-Counter (“OTC”) ForeignExchange Contracts with you (hereinafter referred to as the “Customer”), Customer acknowledges,understands and agrees that:1. Trading Is Very Speculative and Risky. Foreign Exchange Trading and Spot Metal Trading is highlyspeculative and is suitable only for those customers who (a) understand and are willing to assumethe economic, legal and other risks involved, and (b) are financially able to assume lossessignificantly in excess of Margin or deposits. Foreign Exchange and Spot Metal Trading and is not anappropriate investment for retirement funds. Customer represents, warrants and agrees thatCustomer understands these risks; that Customer is willing and able, financially and otherwise, toassume the risks of Foreign Exchange Trading and Spot Metal Trading and that loss of Customer’sentire Account Balance will not change Customer’s life style.2. High Leverage And Low Margin Can Lead To Quick Losses. The high leverage and low Marginassociated with Foreign Exchange Trading and Spot Metal Trading can result in significant losses dueto price changes in Foreign Exchange Contracts, Cross Currency Contracts and Metal Contracts.Customers must maintain the Minimum Margin Requirement on their Open Positions at all times. Itis the customer's responsibility to monitor his/her Account Balance. GAIN Capital has the right toliquidate any or all Open Positions whenever the Minimum Margin Requirement is not maintained.Increasing leverage increases risk.3. Prices, Margin And Valuations Are Set By GAIN Capital And May Be Different From Prices ReportedElsewhere. GAIN Capital will provide prices to be used in trading, valuation of Customer positionsand determination of Margin requirements. Although GAIN Capital expects that these prices will bereasonably related to prices available in the interbank market, prices reported by GAIN Capital mayvary from prices available to banks and other participants in what is known as the interbank market.GAIN Capital will exercise considerable discretion in setting and collecting Margin. GAIN Capital isauthorized to convert funds in Customer’s Account for Margin into and from such Foreign Currencyand Metal at a rate of exchange determined by GAIN Capital in its sole discretion on the basis ofthen prevailing money market rates.

4. One Click Trading And Immediate Execution. GAIN Capital’s automated order entry systems provideimmediate transmission of Customer’s order once Customer enters the notional amount and clicks“Buy/Sell.” There is no “second look” before transmission, and Market Orders cannot be cancelled.This feature may be different from other trading systems. Although not required, we recommend aCustomer utilize the Demo Trading System to become familiar with the order entry process beforetrading online with GAIN Capital. Customer agrees that by using GAIN Capital’s order-entry system,Customer agrees to the one-click system and accepts the risk of this immediate transmission feature.5. Telephone Orders And Immediate Execution. Market Orders executed through the GAIN CapitalTrading Desk are completed when GAIN Capital says “deal” or “done.” At that point Customer hasbought or sold and cannot cancel the Market Order. By placing Market Orders through the GAINCapital Trading Desk, Customer agrees to such immediate execution and accepts the risk of thisimmediate execution feature.6. Market Recommendations Are Informational, Customer Makes Independent Decisions, And GAINCapital Is Not An Adviser Or A Fiduciary To Customer. The market recommendations provided byGAIN Capital do not constitute an offer to buy or sell, or the solicitation of an offer to buy or sell, anyForeign Exchange Contracts, Cross Currency Contracts or Metal Contracts. Each decision byCustomer to enter into a Contract or other transaction with GAIN Capital and each decision whethera Contract or other transaction is appropriate or proper for Customer is an independent decision byCustomer. GAIN Capital is not acting as an advisor or serving as a fiduciary to Customer. Customeragrees that GAIN Capital has no fiduciary duty to Customer and no liability in connection with and isnot responsible for any liabilities, claims, damages, costs and expenses, including attorneys’ fees,incurred in connection with Customer following GAIN Capital’s trading recommendations or takingor not taking any action based upon any recommendation or information provided by GAIN Capital.7. Recommendations Are Based On Personal Judgments And Are Not Guaranteed. The marketrecommendations of GAIN Capital are based solely on the judgment of GAIN Capital’s personnel.These market recommendations may or may not be consistent with the market positions orintentions of GAIN Capital, its affiliates and employees. The market recommendations of GAINCapital are based upon information believed to be reliable, but GAIN Capital cannot and does notguarantee the accuracy or completeness thereof or represent that following such recommendationswill reduce or eliminate the risk inherent in Foreign Exchange and Spot Metal Trading.8. There is no Central Market or Clearinghouse Guarantee of Payment. Foreign exchange trading withGAIN Capital is not conducted on a regulated market or exchange. Each Contract is a contractdirectly between GAIN Capital and the Customer. There is no clearinghouse and no guarantee by anyother party of GAIN Capital’s payment obligations to the customer. Customer must look only to GAINCapital for performance on all Contracts in Customer’s Account and for return of any Margin orCollateral.9. No Guarantees Of Profit. There are no guarantees of profit or freedom from loss in Foreign Exchangeand Spot Metal Trading. Customer has received no such guarantees from GAIN Capital or from any ofits representatives. Customer is aware of the risks inherent in Foreign Exchange Trading and isfinancially able to bear such risks and withstand any losses incurred.

10. Customer May Not Be Able To Close Open Positions. Due to market conditions or othercircumstances GAIN Capital may be unable to close out Customer’s position at the level specified byCustomer, and Customer agrees GAIN Capital will bear no liability for failure to do so.11. Trading Ahead And Along. GAIN Capital, its personnel and affiliates, and various other parties mayexecute orders at the same or better prices ahead of a Customer Order.12. Third Party Agents. In the event that Customer grants trading authority or control over Customer’sAccount to a third party (the “Trading Agent”), whether on a discretionary or non-discretionarybasis, GAIN Capital shall in no way be responsible for reviewing Customer’s choice of such TradingAgent or for making any recommendations with respect thereto. GAIN Capital makes norepresentations or warranties concerning any Trading Agent; GAIN Capital shall not be responsiblefor any loss to Customer occasioned by the actions of the Trading Agent; and GAIN Capital does not,by implication or otherwise, endorse or approve of the operating methods of the Trading Agent. IfCustomer gives the Trading Agent authority to exercise any of its rights over its Account, Customerdoes so at Customer’s risk. Even though the undersigned grants authority to Trading Agent, clientshould be diligent and closely scrutinize all account activity. GAIN Capital provides online Accountaccess to view the status of their Account(s), whereby Client may view their Account Value andAccount Activity.13. Internet Trading. Since GAIN Capital does not control signal power, its reception or routing viaInternet, configuration of Customer’s equipment or reliability of its connection, GAIN Capital shallnot be liable for any claims, losses, damages, costs or expenses, including attorneys’ fees, caused,directly or indirectly, by any breakdown or failure of any transmission or communication system orcomputer facility or trading software, whether belonging to GAIN Capital, Customer, any market, orany settlement or clearing system when Customer trades online (via Internet).14. Telephone Orders. GAIN Capital is not responsible for disruption, failure or malfunction of telephonelines.15. Quoting Errors. Should a quoting error occur due to a mistype of a quote or a misquote given bytelephone and/or electronic means (including responses to Customer requests), GAIN Capital is notliable for any resulting errors in Account Balances and reserves the right to make necessarycorrections or adjustments on the Account involved. Any dispute arising from such quoting errorswill be resolved on the basis of the fair market value, as determined by GAIN Capital, in its solediscretion, of the relevant Currency at the time such an error occurred. In cases where the prevailingmarket represents prices different from the prices GAIN Capital has posted on our screen, GAINCapital will attempt, on a best efforts basis, to execute trades on or close to the prevailing marketprices. These prevailing market prices will be the prices, which are ultimately reflected on theCustomer Statements. This may or may not adversely affect customer realized and unrealized gainsand losses.16. Creditor Priority in Bankruptcy. The transactions you are entering into with GAIN Capital are nottraded on an exchange. Therefore, under the U.S. Bankruptcy Code, your funds may not receive thesame protections as funds used to margin or guarantee exchange-traded futures and optionscontracts, which receive a priority in bankruptcy. Since that same priority has not been given tofunds used for off-exchange forex trading and spot metal trading, if GAIN Capital becomes insolvent

and you have a claim for amounts deposited or profits earned on transactions with GAIN Capital,your claim may not receive a priority. Without a priority, you are a general creditor and your claimwill be paid, along with the claims of other general creditors, from any monies still available afterpriority claims are paid. Even customer funds that Company keeps separate from its own operatingfunds may not be safe from the claims of other general and priority creditors.HIGH RISK INVESTMENT NOTICETrading is very speculative and risky. Foreign Exchange Trading is highly speculative and is suitable onlyfor those customers who (a) understand and are willing to assume the economic, legal and other risksinvolved, and (b) are financially able to assume losses significantly in excess of margin or deposits.Customer represents, warrants and agrees that Customer understands these risks; that Customer iswilling and able, financially and otherwise, to assume the risks of Foreign Exchange Trading and SpotMetal Trading and that loss of Customer’s entire Account Balance will not change Customer’s life style.The high leverage and low margin associated with Foreign Exchange Trading and Spot Metal Trading canresult in significant losses due to price changes in Foreign Exchange Contracts, Cross Currency Contractsand Metal Contracts. Company’s margin policies may require that additional funds be provided toproperly margin Customer’s Account and that Customer must immediately meet such marginrequirements. Failure to maintain the Minimum Margin Requirement may result in the liquidation of anyopen positions with resultant loss to Customer.FOREX IS AN OVER THE COUNTER (OTC) MARKET, MEANING THE FOREIGN CURRENCY TRADING YOU AREENTERING INTO IS NOT CONDUCTED ON AN EXCHANGE. AS A MARKET MAKER, GAIN CAPITAL ISTHE COUNTERPARTY IN THESE TRANSACTIONS AND, THEREFORE, ACTS AS THE BUYER WHEN YOU SELLAND THE SELLER WHEN YOU BUY. AS A RESULT, GAIN CAPITAL’S INTERESTS MAY BE IN CONFLICT WITHYOURS. UNLESS OTHERWISE SPECIFIED IN YOUR WRITTEN AGREEMENT OR OTHER WRITTENDOCUMENTS GAIN CAPITAL ESTABLISHES THE PRICES AT WHICH IT OFFERS TO TRADE WITH YOU. THEPRICES OFFERED MIGHT NOT BE THE BEST PRICES AVAILABLE AND DIFFERENT PRICES MAY BE OFFEREDTO DIFFERENT CUSTOMERS.IF GAIN CAPITAL ELECTS NOT TO COVER ITS OWN TRADING EXPOSURE, THEN YOU SHOULD BE AWARETHAT GAIN CAPITAL MAY MAKE MORE MONEY IF THE MARKET GOES AGAINST YOU. ADDITIONALLY, SINCEGAIN CAPITAL ACTS AS THE BUYER OR SELLER IN THE TRANSACTION, YOU SHOULD CAREFULLY EVALUATEANY TRADE RECOMMENDATIONS YOU RECEIVE FROM GAIN CAPITAL OR ANY OF ITS SOLICITORS.SECONDARY RISK DISCLOSUREOFF-EXCHANGE FOREIGN CURRENCY TRANSACTIONS INVOLVE THE LEVERAGED TRADING OFCONTRACTS DENOMINATED IN FOREIGN CURRENCY CONDUCTED WITH A FUTURES COMMISSION

MERCHANT OR A RETAIL FOREIGN EXCHANGE DEALER AS YOUR COUNTERPARTY. BECAUSE OF THELEVERAGE AND THE OTHER RISKS DISCLOSED HERE, YOU CAN RAPIDLY LOSE ALL OF THE FUNDS YOUDEPOSIT FOR SUCH TRADING AND YOU MAY LOSE MORE THAN YOU DEPOSIT.YOU SHOULD BE AWARE OF AND CAREFULLY CONSIDER THE FOLLOWING POINTS BEFORE DETERMININGWHETHER SUCH TRADING IS APPROPRIATE FOR YOU.1. TRADING IS NOT ON A REGULATED MARKET OR EXCHANGE—YOUR DEALER IS YOUR TRADINGPARTNER WHICH IS A DIRECT CONFLICT OF INTEREST. BEFORE YOU ENGAGE IN ANY RETAIL FOREIGNEXCHANGE TRADING, YOU SHOULD CONFIRM THE REGISTRATION STATUS OF YOUR COUNTERPARTY.The off-exchange foreign currency trading you are entering into is not conducted on an interbankmarket, nor is it conducted on a futures exchange subject to regulation as a designated contract marketby the Commodity Futures Trading Commission. The foreign currency trades you transact are tradeswith the futures commission merchant or retail foreign exchange dealer as your counterparty. WHENYOU SELL, THE DEALER IS THE BUYER. WHEN YOU BUY, THE DEALER IS THE SELLER. As a result, when youlose money trading, your dealer is making money on such trades, in addition to any fees, commissions,or spreads the dealer may charge.2. AN ELECTRONIC TRADING PLATFORM FOR RETAIL FOREIGN CURRENCY TRANSACTIONS IS NOT ANEXCHANGE. IT IS AN ELECTRONIC CONNECTION FOR ACCESSING YOUR DEALER. THE TERMS OFAVAILABILITY OF SUCH A PLATFORM ARE GOVERNED ONLY BY YOUR CONTRACT WITH YOUR DEALER.Any trading platform that you may use to enter off-exchange foreign currency transactions is onlyconnected to your futures commission merchant or retail foreign exchange dealer. You are accessingthat trading platform only to transact with your dealer. You are not trading with any other entities orcustomers of the dealer by accessing such platform. The availability and operation of any such platform,including the consequences of the unavailability of the trading platform for any reason, is governed onlyby the terms of your account agreement with the dealer.3. YOUR DEPOSITS WITH THE DEALER HAVE NO REGULATORY PROTECTIONS.All of your rights associated with your retail forex trading, including the manner and denomination ofany payments made to you, are governed by the contract terms established in your account agreementwith the futures commission merchant or retail foreign exchange dealer. Funds deposited by you with afutures commission merchant or retail foreign exchange dealer for trading off-exchange foreigncurrency transactions are not subject to the customer funds protections provided to customers tradingon a contract market that is designated by the Commodity Futures Trading Commission. Your dealermay commingle your funds with its own operating funds or use them for other purposes. In the eventyour dealer becomes bankrupt, any funds the dealer is holding for you in addition to any amounts owedto you resulting from trading, whether or not any assets are maintained in separate deposit accounts bythe dealer, may be treated as an unsecured creditor’s claim.4. YOU ARE LIMITED TO YOUR DEALER TO OFFSET OR LIQUIDATE ANY TRADING POSITIONS SINCE THETRANSACTIONS ARE NOT MADE ON AN EXCHANGE OR MARKET, AND YOUR DEALER MAY SET ITSOWN PRICES.

Your ability to close your transactions or offset positions is limited to what your dealer will offer to you,as there is no other market for these transactions. Your dealer may offer any prices it wishes, and it mayoffer prices derived from outside sources or not in its discretion. Your dealer may establish its prices byoffering spreads from third party prices, but it is under no obligation to do so or to continue to do so.Your dealer may offer different prices to different customers at any point in time on its own terms. Theterms of your account agreement alone govern the obligations your dealer has to you to offer prices andoffer offset or liquidating transactions in your account and make any payments to you. The pricesoffered by your dealer may or may not reflect prices available elsewhere at any exchange, interbank, orother market for foreign currency.5. PAID SOLICITORS MAY HAVE UNDISCLOSED CONFLICTS.The futures commission merchant or retail foreign exchange dealer may compensate introducingbrokers for introducing your account in ways which are not disclosed to you. Such paid solicitors are notrequired to have, and may not have, any special expertise in trading, and may have conflicts of interestbased on the method by which they are compensated. Solicitors working on behalf of futurescommission merchants and retail foreign exchange dealers are required to register. You should confirmthat they are, in fact registered. You should thoroughly investigate the manner in which all suchsolicitors are compensated and be very cautious in granting any person or entity authority to trade onyour behalf. You should always consider obtaining dated written confirmation of any information youare relying on from your dealer or a solicitor in making any trading or account decisions.FINALLY, YOU SHOULD THOROUGHLY INVESTIGATE ANY STATEMENTS BY ANY DEALERS OR SALESREPRESENTATIVES WHICH MINIMIZE THE IMPORTANCE OF, OR CONTRADICT, ANY OF THE TERMS OFTHIS RISK DISCLOSURE. SUCH STATEMENTS MAY INDICATE POTENTIAL SALES FRAUD. THIS BRIEFSTATEMENT CANNOT, OF COURSE, DISCLOSE ALL THE RISKS AND OTHER ASPECTS OF TRADINGOFFEXCHANGE FOREIGN CURRENCY TRANSACTIONS WITH A FUTURES COMMISSION MERCHANT ORRETAIL FOREIGN EXCHANGE DEALER.For the calendar quarter ending March 31, 2021, there were 54,700 active non-discretionary trading accounts ofwhich 28% were profitable and 72% unprofitable. For the calendar quarter ending December 31, 2020, therewere 53,560 active non-discretionary trading accounts of which 28% were profitable and 72% unprofitable. Forthe calendar quarter ending September 30, 2020, there were 58,299 active non-discretionary trading accounts ofwhich 26% were profitable and 74% unprofitable. For the calendar quarter ending June 30, 2020, there were52,382 active non-discretionary trading accounts of which and 72% unprofitable.PAST PERFORMANCE IS NOT NECESSARILY INDICATIVE OF FUTURE RESULTS.

FOREX RISK DISCLOSURE STATEMENT Forex trading involves significant risk of loss and is not suitable for all investors. Increasing leverage increases risk. Before deciding to trade forex, you should carefully consider your financial objectives, level of experience and risk appetite. Any opinions, news, research, analyses, prices or other

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