EFTA Document EFTA01459403

BY SIGNING BELOW CLIENT ACKNOWLEDGES THAT: CLIENT HAS RECEIVED. READ AND AGREES TO THE TERMS AND CONDITIONS OF THIS ACCOUNT AGREEMENT, INCLUDING DIE APPENDIX WHICH CONTAINS IMPORTANT INFORMATION; (2) THE INFORMATION CONTAINED IN THIS ACCOUNT AGREEMENT IS ACCURATE; AND (3) CLIENT HAS ELECTED IN SECTION IV, PAGES, HOW TO USE FREE CREDIT BALANCES. CLIENT ACKNOWLEDGES THAT THIS ACCOUNT AGREEMENT CONTAINS A PRE•DISPUTE ARBITRATION CLAUSE AT SECTION III PAGE 5. AND CLIENT AGREES TO ITS 4S (ALL A