EFTA Document EFTA01390414

14. Satiotoction of Indebtedness and Assignment of Rights. Client agrees to satisfy, upon demand, any indebterrains, Including any Mutest end commission charges and to pay the reasonable costs and expanses of colraction of any amount Client owes to 0BS1. including reasonable ettonrays' hies and coup costs. Client agrees that OBSI or Pershing may execute or assign to stab other or any third briny any rights w obligations Client,graniod under this Account Agreement. Mcturfing but not limited to the right 10 collect any Obligations, or liquidate any Securities and Other Property held In Accour0s). 16. Foes. Client mutoratoretto that OBSt chargos on Annual Account Foe for certain stamonts end may charge service fee*, processing loos and/or other fern or commissions. for the transactions and other sm./tees provided, more luly described in the Annual Discloser° Stotoment, at httOlfanwi.pyrin.db.comramoneaoloYonnualdisolosurnotaternorn. herd Client undorstindo that thew fees yell be chtirgod to Accounts) and autborion OBSI tie deduct such fess from Client's Account(s). 16. No FDIC InSuradca, Not Obligations of My Bank. Croon understands that the units in Clent's Account its subject to the risk of partial or total lose dde tommkot fluctuations or the lost/looney of thaisswir(s). The assets in Client's Account (including all related cash balances and shares of any Mutual Fund) are not deposits or other obligations of 0851, Deutsche Bank AG, %mono of any echo bank, era, got gbas aniseed by 00Sf, Croolothe Bonk AG, Administrator, Back w any other bank, and ate not unused byitho Federal Deposit insurance Corporation rm. Monies hold in the Insured Depolit Program 0011 may be FDIC Insured while those monies aro held in a depository account ate participating bank as desorsdiedOn the SOPTerms rind Conditions. Client may f rant time to time be offered investment nroducts for which 08S1 or Deutsche Bank AG Is an obligor. These products may bo complex, may not provide for the return of the full amount of principal invested or for the payment of a fixed rate of Interest (or any interest) and w31 not oeualty be covered by FOIC Insumoce. unless othe.twiso disciceed in the written offering documents fa sued products.. 17. Cash Sweep Selection, Client regrets to contact CMS' 'guarding the selection of Cash Sweep Options and understands thettlIonre choice of Cash Sweep Dotted* may oa limited to money market routual hinds or deposit products that are.uneffilistod with OBS' II Client's Account is so individual retirement ecoeunt or an ER1SA • account, or If OBS1 Is acting as Clients Investment adviser. Client understands that anytunds Client has on deposit with the banks participating, In IDP wilt bn "'totaled among mot tranks int mirohor described is IMIlLIP Terms and Conditions. 16. Credit Information and Investigation. Client authwhos 0851 and Pershing to obtain reports concerning Client's credit standing sod boldness conduct at their discretion without notifying Client. Gaeta also authorizes MI to share among sarvice provident los sot teeth herein) and DBS1Attillatet such credit-rebind end business conduct information and any other confidential information NISI. Deutsche Bank AG and such Affiliate(s) may hove about Client and.ClieM's Accroint, In a ccoodenoe with OBSis Privooy Policy and Applicable Law. DOS! end Pershing will provide Client with a copy of each of tbeir Privacy Polities shortly oft or cixotatinn by Client of this Mrasmant. Client may request a copy of Client's credit report, and upon request UUSI will Identity the name and address of rho consumer reporting agency that tumithed it. 19. Confirmations, Sletanente and Other ComthunIcatione. &rant egress to notify OBS1In writing, within can OM days atter transmittal to Client of a cOnfirmatIon, of any objection Client hag to any transaction in Client's Account(s). In the absence of such wiling' notification, Clint, agrees that di transactions In Client's Accounts) will be final end binding. Client understands objections must he directed to the Broach Supervisor in writing, et the address on Client's account statement or confirm. For more information on how confirmations and account statomonts are delivered, pints rater to the Appendix m this Arractunt Agisoment. • 20. Recording Convonetions. Client concords to PBS' Scanting any or all teteproono cells with Client. 21. Joint Accounts. a. Unless Clients sootily 'tenant in common" or 'community properly' Clients authorize OBSI to designate a joint account as `joint terrains with right of sttryfvorshInt or es 'tenants by the °Manor it Clients are married end reside in a stela that recognizes said designation too personal property. Clients spree that jinni accounts will bo corned by CIBSI mi rersbing'it books in the form retracted by the Account name mooning on the account staranumt. In the Mont that the Account 13 e Joint toneew with right of Swvivinshlp of a tenancy by the entireties, the entire Interest in the joint AccOunt shall be vested in the survivor of survivors on the same terms and conditions se before the death. Tiro eurvefore and the estate of thedocoarod Accountholder will Indemeify DBE4 for any loss Incurred througlproattooM of the Account 00 Proldded Heroin. b. Clients agree Met each party to the joint account shall neve omitting to deal with OBS! as If each were the gale Account owner, ell without notice to the other Account ownerle). Clients ogres that notice to any Account owner Stisll be deemed to be notice to oil account owners Each Aetna°, owner shall be jointly and severalty noble for this Account. 0051 may follow the instructions of any owner concerning this Account ono make delhTefIeS to any owner, of any or all property and payment, even if such delhiefia andku payments shall be made to one owner personally and not to all of the Account ownere. 0051 shall bo under oo obligation to inodro into tho purnosa of any such demand for delivery of secdiltios or peyrtuu'l and stroll hot be booed to see to the ofralication of disposition di the Securities andia monies so dotivorod or paid to any Account owner. Notwithstanding the foregoing. OBSI may MOAT° point action by en aocouot omen) with rospont to any metier *oncoming the account, Including thd giving or conoollation of &dole a.ul the withdrawal 0 amnia". Securities °ode her Property. In the event D8S1 receives aonflIcting instructions from any owner, It may in es iota discretion: KO follow any sotto Imnuotions, ID) woke written or verbal anthorliefloti of both, a9 dr any owiier balms acting oo the Inatruction4 from any one owner, Ic) Mind thb rissole of the Account lo the soilless of theaccount, of (d) file an interrgender action In en appropriate court to lathe coon decide the dispute. 13.AwsT41,3 3 017146.032e13 CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) CONFIDENTIAL DB-SDNY-0094917 SDNY_GM_00241101 EFTA01390414