EFTA Document EFTA01365769

BY SIGNING BELOW CLIENT ACKNOWLEDGES THAT: (1) CLIENT HAS RECEIVED. READ AND AGREES TO THE TERMS AND CONDITIONS OF THIS ACCOUNT AGREEMENT, INCLUDING THE APPENDIX WHICH CONTAINS IMPORTANT INFORMATION: AND (21 THE INFORMATION CONTAINED IN THIS ACCOUNT APPLICATION IS ACCURATE. [ AGREES CUENT TO EDGES THAT THIS ACCOUNT AGREEMENT CONTAINS A PRE DISPUTE ARBITRATION CLAUSE AT SECTION III, PAGE 6. AND CLIENT MS (ALL ACCOUNT AGREEMENT SIGNATORIES MUST INITIAL). INITIAL HERE: 1; THE INTERNAL