NOAH e-Sign Agreement

ELECTRONIC DISCLOSURE AND CONSENT (THE “CONSENT”)

In this Consent, "Communications" means communications, disclosures, notices, agreements, fee schedules, privacy policies, statements, records, documents, and other information we provide to you, or that you sign and submit or agree to at our request.

By accepting this Consent, you (i) agree that you are willing and able to receive electronic versions of Communications in connection with the Noah Services and (ii) consent to receive such Communications in electronic form.

If you do not agree to this Consent, or you withdraw your consent at any point, we reserve the right to decline, restrict and/or terminate your access to any Noah Services.

Communications in Writing

Ife we are required by law to give you certain information in writing, all Communications delivered to you in either electronic or paper format will be taken as information delivered "in writing."

Withdrawing Consent

You have the right to withdraw your consent to this Consent at any time. Any withdrawal of your consent will be effective only after we have had a reasonable period of time to process your request for withdrawal. By withdrawing your consent, we reserve the right to terminate your access to any Noah Services (except as otherwise prohibited by law). You may withdraw consent by emailing us at support@noah.com.

Updating Contact Information

It is your responsibility to provide us with (and maintain) true, accurate and complete information, including but not limited to your email address, contact information and any other information related to your Noah account(s), so that we may send you electronic Communications. You can update your email address and other of your information by emailing us at support@noah.com.

Hardware and Software Requirements

To receive and retain electronic Communications from Noah, you will need the following:

• A computer or mobile device with an operating system that supports everything below;
• An internet connection;
• A current version of a web browser that we support, including: Edge version 126 or higher, Firefox version 115 or higher, Safari version 15 or higher, or Chrome version 109 or higher;
• A hard drive or other method of storing data;
• A valid, active email address; and
• A current version of a program that displays PDF files. We may update these requirements periodically in order to maintain our ability to provide electronic Communications; if these requirements change in a substantial way, we will notify you of the changes.

Requesting Paper Copies

If we choose to make paper copies of certain electronic Communications available, we do not create any obligation to do so at other times. You may obtain a paper copy of an electronic Communication by printing it or by requesting we mail a paper copy. You may make requests for paper copies by emailing us at support@noah.com.

General

We reserve the right, in our sole discretion, to discontinue the provision of your Communications, or to terminate or change the terms and conditions on which we provide Communications (including the terms of this Consent). We will provide you with notice of any such termination or change as required by law

INITIAL AND ANNUAL ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers, Telephone us at (888) 895-2925, write us at 7104, 78 SW 7th St, Miami, FL 33130, USA or email us at support@noah.com as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

(1) Tell us your name and account number (if any).

(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

(3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.