Deutsche Asset & Wealth Management Account Agreement J. Epstein Virgin Islands Foundation, Inc Cagnetta 8100 Red Hook Quarter 83 St. Thomas aty U.S.V.l 00802 State p Code Account Title (Complete if different from the Client above) Account Number(*) IMPORTANT: PLEASE SIGN AND RETURN THIS ACCOUNT AGREEMENT . This is the account agreement (Account Agreement) between Client and Deutsche Bank Securities Inc. (referred to herein as "DBSI"). It Includes the terms and conditions and is the contract that controls each brokerage account in which Client has an interest (each en 'Account"). Client agrees to read this Account Agreement and the Appendix to this Account Agreement: Disclosures and Definitions (-Appendix') carefully. If Client is not willing to be bound by those terms and conditions, Client should not sign this Account Agreement. Client's signature confirms that Client has read and agrees to the terms of this Account Agreement and the Appendix annexed hereto. I. CLIENT REPRESENTATIONS Client certifies that all of the information provided by Client in this Account Agreement is accurate and complete and that each of the following statements is accurate as to Client and Client's Account: a. Whore Client is a natural person, Client is of legal age; b. For all accounts: (a) no one except the person(s) named on the Account(s), or, if signed in a representative capacity, then no one except the beneficial owner(s), has any interest in the Account(s), (b) Client is and will remain compliant with all Applicable Laws, (c) Client is financially capable of satisfying any obligations undertaken through Client's Account(s), (d) Client acknowledges that the purchase and sale of securities entails substantial economic risk, and represents knowingly and willingly that Client can assume such risk and (e) Client has read and understands the terms set forth in this Account Agreement and those agreements or supplements incorporated by reference and understa