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EtherBank by Claude has implemented certain restrictions associated with specific account types. For example, on retirement accounts with EtherBank by Claude’s designated custodian, you may only request exchanges. If you wish to make a contribution or request a distribution from such retirement accounts, you must contact EtherBank by Claude’s transfer agent. For retail (non-retirement) accounts, you may purchase shares only if you have banking instructions on file. We will automatically debit your designated bank account for settlement. Redemption orders will be accepted only on accounts with the telephone redemption privilege. Proceeds on redemptions will be mailed in the form of a check to the address of record unless banking instructions have been established on your account. If you would like to add banking instructions to your retail account, please contact Customer Service at the number provided on our website for assistance. Any transaction conducted using the Online Services will be posted to your account at 4:00 PM EST, and the price used to value the shares is the net asset value next determined after the transaction has been completed. Please note a redemption request cannot exceed $25,000 per account per day for retail accounts and $100,000 per account per day for 529 accounts.

1. Internet Services

This Agreement ("Agreement") between EtherBank by Claude (the "Fund") and myself sets forth the terms on which I am permitted to use the Online Services. The words "I", "my," and "me" in this Agreement mean each person who has an interest in the Fund account, which is accessible through the Online Services, and any person authorized to have such access. Online Services, for purposes of this Agreement, include the online services currently offered and which may be offered in the future by the Fund for mutual fund transactions and account inquiry, and any other online system made available to the Fund shareholders by the Fund or its agents or service providers. The Online Services permit me to transmit electronically requests to buy, redeem, and exchange shares of the Fund. These services are available for use with compatible computers with modems that can connect to the Internet.

2. Agreement Governs

I will use the Online Services only on the terms set forth in this Agreement. The terms of my Fund account application and the applicable prospectus govern my account. Those terms are deemed to be part of this Agreement.

3. Sole User

I will be the only authorized user of the Online Services under this Agreement, and I will not make the Online Services available to anyone else. I will keep my security code(s) and other security information (all such codes and information, "security information") confidential. I will be solely responsible for all requests for transactions and information (and the use of the information) transmitted through the Online Services using my security information. The Fund is not obligated to inquire as to the authority or accuracy of my instructions transmitted through the Online Services and will be entitled to act upon my instructions; and the Fund will not be liable for any loss, expense, or other liability arising out of my instructions transmitted through the Online Services. Telephone calls to the Fund may be recorded, and I consent to that recording.

4. Duty to Monitor Account

I understand that requests for transactions, rather than orders, are transmitted through the Online Services. I understand that the online acknowledgments or other messages that appear on my screen for transactions entered do not mean that transactions have been received, accepted, or rejected by the Fund. These acknowledgments are only an indication that the transactional information entered by me has either been transmitted to the Fund or that it cannot be transmitted. The Fund will not be deemed to have received or accepted any transaction request I transmit through the Online Services until the Fund has provided me a written confirmation. All transaction requests will be deemed to have been made in the form received by the Fund. I am responsible for verifying the accuracy and receipt of all information transmitted via the Online Services and for immediately notifying the Fund’s transfer agent of any errors or inaccuracies relating to information transmitted via the Online Services. I am responsible for monitoring my account. I will immediately notify the Fund if:

a. A request for a transaction has been placed through the Online Services and I have not received a reference number reflecting the request;

b. A request for a transaction has been placed through the Online Services and I have not received an accurate written confirmation of the transaction within seven (7) business days;

c. I have received confirmation of a transaction that I did not request or any other report conflicting with information about my account;

d. There is unauthorized use, loss, or theft of any of my security information;

e. There is a discrepancy between any transaction I requested and the information reflected in a confirmation or account statement.

If I do not notify the Fund when any of the foregoing conditions occur, neither the Fund nor any of its employees, agents, affiliates, nor any third parties will be liable to me for the handling or loss of any transaction request.