EFTA01390348.pdf

---leasehatildelbsetraiinISearemet, 14. Satisfaction of Indebtedness and Assignment of Rights: Client agrees to satisfy, upon demand, any Indebtedness, • including any Interest and commission charges and to pay the reasonable costs and expenses of collection of any amount Client owes to 0651, including reasonable attorneys' fees and court costs. Client agrees that DBSI or Pershing may execute or assign w each otter or any third party any rights or obligations Client granted under, this Account Agreement, including but not limited to the right to collect any Obligations, or liquidate any Securities and Other Property held in Account(s). 15. Fees. Client understands that DB51 charges an Annual Account Fee for certain accounts and may charge service lea, processing' fees and/or other tees or commissions, for the transactions and other services provided, more fully described in the Annual Disclosure Statement, at http://www.pwm.db.comfamericesterVannualdisclosurestatement. htmt. Client undetstande that these fees will he charged to Account(s) and authorizes 13851 to deduct such foes from Client's Account(s). 16. No FDIC Insurance, Not Obligations of Any Bank. Client understands that the assets in Client's Account ere subject to the risk of eartial or total loss doe to rearket fluctl unions or the insolvency of the issuer(s). The assets in Chant's Account (including all related cash balances and shares of any Mutual Fund) ore not deposits or other obligations of DBSI, Deutsche Bank AG, Pershing or any other bank, are not guaranteed by DBSI. Deutsche Bank AG, Administrator, Bank or eny other bank, and ere not insured by the Federal Deposit Insurance Corporation (FDIC). Monies held in the Insured Deposit Program (lDP) mey be FDIC insured while those monies are held in a depository account at a participating bank as described in the IDP Terms and Conditions. Client may from time to tens bo offered Investment pteductsf or which DBSI or Deutsche Bank AG is an obligor. These products may be complex. may not provide for the return of the lull amount of principal invested or tot the payment of a fixed rate of merest (or any interest) and will not usually be covered by FDIC insurance, unless otherwise disclosed in the written offering documents foe such products. 17. CaSh Sweep Selection. Client agrees to contact 0651 regarding the selection nt Cash Sweep Options and understands that Client's choice of Cash Sweep OptionSmay be limited to money market mutual funds or deposit produces that are unalNiated with DBSI if Client's Acooum is an indivlduar rather nent account or an ERtSA account, or if 0651is acting as Client's investmantadviser. Client understands that any funds Client has on deposit with the banks participating in IDP will be allocated among such. banks in a manner described In the IDP Terms and Conditions. 18. Credit Information and Investigation. Divot authorizes NISI and Pershing to obtain reports concerning Client's credit standing and business conduct at their discretion. ithout notifying Client. Client also authorizes DBSI to share . among service providers les set forth herein) end O851Affiliates such credit-related and business conduct information and any other confidential inhumation DEMI, Deutsche Bank AG and such Affiliate's) may have about Client and Client's Account, in acoordance with Dints Privacy Policy and Applicable Law. D851 and Pershing will provide Client Wen a copy of earth of their Privacy Perldes shortly after exetotion by Client of this Agreement. Client may request a copy of Clients credit report, and open remise, DBSI will identify the name and address of the consumer repotting agency that furnished it. 19. Confirmations, Statements end Other CoMmunicatione. Client agrees to notify DBSI in writioa, within ten (10) days after transmittal to Client of a cdnfimiation, er any objection Client has m any transaction in Client's Account(s). In the absence of such writtennotification Client agrees that all transactions in Client's Account's) will be final and binding. Client understands objections must he directed to the Breech Supervisor in writing, at the address on Clients account statement or cdnfirtn. Fol mete information no how confirmations and account statements are delivered, please refer to the Appendix to this Account Agreement. 20. ReCording Conversations. Client concerns to 0881reconling any or all telephone tails with Clime. 21. Joint Accounts. a. 'Unless Clients specify laments in common' or "community property.' Clients authorize DBSI to designate a joint account as "joint tenants with right of survivorship:- or as 'tenants by the entireties" if Clients are married and reside in a state that recognizes said designationtot personal property. Clients agree that joint accounts will be ' 'carded by DBSI on Pershingesbooks In the form reflected by the Account name appearing on the account statement. In the event that the Account Is • joint tenancy with right of survivorship of a tenancy by the entireties, the entire Interest In the joint ACcount shall be vested In the survivor or servivors un the seine terms and conditions es before the death. the survivors and the estate of the deceased Accountholder will indemnify DBSI for any foss incurred through treat oent of the ACcount as provided herein. b. Clients agree that each party to the jont account shall have aotherity to deal with 0651 es if each wore the sole Account owner. eN without notice to the other Accdurit ownerls). Clients agree that notice to any Account owner shall be deemed to be notice to cN account owners. Earth Acieunt owner shah be jointly and severolty liable for this Account. DBSI may follow the Instructions of any owner concerning this Account end make deliveries to any owner, of any or all property and payment, even if such deliveries and/or payments shall be made to one owner personally and not to all of the Acconnt owners. REISJ shall he under no obligation to Inquire into the purpose of ' any such demand for delivery of securities or payment and shall not be bound to see to the application or . disposition of the securities andrer monies so delivered or paid to any Account owner. Notwithstanding the foregoing, DBSI may require joint action by all section, nwoers with respect to eny Metter concerning the account. Including the giving or cancellation of orders and the withdrawal of monies, Securities and Other Property. In the event DBSI receives conflicting instructions from any owner, it may in its sole discretion: (a) follow any sueh instructions, (b) require written or verbal authorization of both. all:or arty owner before acting on the instructions from any one owner. (c) send the assets of the Account to theoddness of the account, er en interpleeder action M an appropriate court to let;the court decidethe dispute. • 13.syystoiss ,3 012145 032813 - yr CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) DB-SDNY-0094827 CONFIDENTIAL SDNY_GM_00241011 EFTA01390348