General Disclosures

Arc partners with Stripe Payments Company for money transmission services and account services. “(Legacy) Business” accounts are financial accounts provided by Stripe Payments Company with deposits held in the U.S. at Goldman Sachs Bank USA, Member FDIC; “Business” accounts are financial accounts provided by Stripe Payments Company with funds held at Fifth Third Bank, Member FDIC; "Wallet" and "Reserve" accounts are financial accounts provided by Stripe Payments Company with funds held at Evolve Bank & Trust, Member FDIC.

Arc cards are issued by Celtic Bank and serviced by Stripe, Inc. and its affiliate Stripe Servicing, Inc.

For Arc “Treasury” accounts, investment advisory services are provided by Arc Advisory LLC (“Arc Advisory”) or Atomic Invest LLC (“Atomic Invest”). 

For Arc Treasury accounts with advisory services provided by Arc Advisory LLC: 

Arc Advisory is an SEC-registered investment advisor. Technology services may be provided by Arc Technologies, Inc. For more details about Arc Advisory, please see the Form ADV and Wrap Fee Disclosure Brochure and Privacy Policy.

Arc Advisory LLC has an engagement with Atomic Brokerage LLC (“Atomic Brokerage”), a registered broker-dealer and member of FINRA and SIPC, to bring you the opportunity to open a brokerage account. Brokerage services for customers of Arc Advisory LLC are provided by Atomic Brokerage. For more details about Atomic Brokerage, please see the Form CRS, the Atomic Brokerage General Disclosures, and the Privacy Policy. Check the background of Atomic Brokerage on FINRA’s BrokerCheck. Fees such as regulatory fees, transaction fees, fund expenses, brokerage commissions and services fees may apply to your brokerage account.

For Arc Treasury accounts with advisory services provided by Atomic Invest LLC:

Arc has an engagement with Atomic Invest LLC (“Atomic Invest”), an SEC-registered investment adviser, to bring you the opportunity to open an investment advisory account. Investment advisory services are provided by Atomic Invest. Companies which are engaged by Atomic Invest receive compensation of 0% to 0.85% annualized, payable monthly, based upon assets under management for each referred client who establishes an account with Atomic Invest (i.e., exact payment will differ). Atomic Invest also shares a percentage of compensation received from margin interest and free cash interest earned by customers with Arc. Arc is not a client of Atomic Invest, but our engagement with Atomic Invest gives us an incentive to refer you to Atomic Invest instead of another investment adviser. This conflict of interest affects our ability to provide you with unbiased, objective information about the services of Atomic Invest. This could mean that the services of another investment adviser with whom we are not engaged could be more appropriate for you than Atomic Invest. For more details about Atomic Invest, please see their Form CRS, Form ADV Part 2A, the Privacy Policy, and other disclosures. Brokerage services for Atomic Invest are provided by Pershing Advisor Solutions LLC, a registered broker-dealer and member of FINRA and SIPC. 

None of Arc Advisory, Atomic Invest, Atomic Brokerage, or any of their affiliates, are a bank. Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. Advisory services are designed to assist clients in achieving a favorable outcome in their investment portfolio. They are not intended to provide tax advice or financial planning with respect to every aspect of a client’s financial situation and do not include investments that clients may hold outside of their Arc Treasury account.

Custodial and clearing services for all Arc Treasury accounts are provided by Pershing LLC, a BNY Mellon company. Technology services may be provided by AtomicVest, Inc.

Cash Sweep Program

For Arc Treasury Accounts with Arc Advisory or Atomic Invest, Pershing LLC (“Pershing”) offers a cash sweep program. Funds in transit to or from Program Banks are generally not FDIC-insured. The Sweep Program is administered by Pershing LLC. Deposits at each Program Bank are insured by the FDIC up to $250,000 for each insurable capacity. Based on eligibility criteria, the two FDIC-insured programs (“Bank Deposit Programs”) offered are 1) Dreyfus Insured Deposits (DIDI) and 2) Liquid Insured Deposits. Funds deposited into each sweep program, in aggregate, are eligible for up to $2,500,000 of FDIC insurance. The sweep programs can be configured so that once the funds reach one or more Program Banks (up to $250,000 for each insurable capacity at up to ten Program Banks), then the next Bank Deposit Program will be initiated. Although certain types of accounts, such as trust accounts may be eligible for additional FDIC insurance based on the number of beneficiaries, funds will be allocated to each Program Bank in such a way that provides up to $250,000 of FDIC insurance for individual accounts and $250,000 of FDIC insurance for trust and other corporate account types, in each case per Program Bank. If clients elect to exclude one or more Program Banks from receiving deposits, the amount of FDIC insurance available through the Arc Treasury account may be lower. Clients are responsible for monitoring their total assets at each Program Bank, including existing deposits held at Program Banks outside of the Arc Treasury account, to ensure FDIC insurance limits are not exceeded, which could result in some funds being uninsured. For more information on FDIC insurance please visit http://www.fdic.gov/. Deposits held in Program Banks are not protected by SIPC.

For financial accounts provided by Stripe (“Business,” “Wallet,” and “Reserve” accounts; collectively, “Stripe Treasury Accounts”): 
Stripe Treasury Accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same type of account. Neither Stripe nor Arc is an FDIC-insured institution. The FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured depository institution.

For “(Legacy) Business” accounts provided by Stripe with funds held at Goldman Sachs Bank USA: 
(Legacy) Business accounts are eligible for FDIC pass-through deposit insurance subject to conditions. The accounts are eligible to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied, including that the recordkeeping of identities and interest of the actual owners of the funds must be ascertainable. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same type of account. The FDIC’s deposit insurance coverage only protects against the failure of a FDIC-insured depository institution and neither Stripe nor Arc are depository institutions. 

Yield paid by Arc related to cash balances held in Stripe accounts is subject to change over time without notice based on prevailing market conditions. Today's yield rates reflect the Annual Percentage Yield (APY) paid by Arc to customers, where payments are completed on a monthly basis according to daily cash balances held over the prior calendar month.

Arc Capital Markets and Arc Intelligence are products of Arc Technologies, Inc.

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