. • eseitelfli "WS 10r044 • • c. In the event of the death of any owner, the surykrerfs)Shall immediately give DBSI written notice thereof. DBSI may. before or after receiving such notice, take such potion, requite such documents, retain such securities and/ or restrict transactions frith* Account as necessary forts protection against any tax, liability, penalty or loss Under any Present or future laws or otherwise. Any cosi resulting from the dearh of any °weer, or through the exercise by any decedent's estate, survivors (including other Account owners) or representatives of arty rights in the Account shall be chargeable against the interest Of the survivoils) as wall as against the Interest of the estate of the decedent. The estate of me decedent and each survivor linsluding other Aocount oweerel shell connouo to be jointly and severally liable to OBSI for any otdigition of the joint account or net debit balance or loss in said account until such time as DBSI distributes the assets in accordance with Clients' instructions. 22. Non-disclosure of Confidential and Motorist, Non-public Information. During the course of business, employees of 0851 may come into possession of confidential and material nbn-public irdormation. Under ApMicabie Law, such employees are prohibited from improperly disclosing or using such information for Mdir personal benefit or for the benefit of any other person, regardless of whether such other person is e Client of D851. Client understands that under Applicable Law. DBSI employees are prohibited frorn communicating such information to Client and that IASI shall have no responsibility or lianility to Client for lolling to disclose such information. 23. Third Party Authorization; No Agency. Client agrees that If Client aiithorizes third psrty(ies) (including, without limitation, any investment advisor or money manager) coact on Client's Account, such third partyfies) shall be bared by the Terms end Conditions of this Acco