16. No FDIC Insurance, Not Obligations of Any Bank. Client understands that the assets in Client's Account are subject to the risk of partial or total loss due to market fluctuations or the insolvency of the issuer-1s). The assets in Chore's Account (including all related cash balances and shares of any Mutual Fund) are not deposits or other obligations of DBSI. Deutsche Bank AG. Pershing, or any. other bank, are not guaranteed by DBSI. Deutsche Bank AG. Administrator. Bank or any ' other bank and are not insured by the Federal Deposit Insurance Corporation (FDIC). Monies held in the lest:red Deposit Program (IDP) may be FDIC insured while those monies are held in a depository account at a participating bank as described In the IDP Terms and Conditions. Client may from time to time be offered investment products for which DBSI or Deutsche Bank AG is an obligor. Thee° products may be complex, may not provide for the return ot the full amount of principal invested or for the payment of a fixed rate of interest (or any interest) and will not usually be covered by FDIC insurance, unless otherwise disclosed in the written offering documents for such products. 17. Cash Sweep Selection. Client agrees to contact DBSI regarding the selection of Cash Sweep Options and understands that Client's choice of Cash Sweep Ootions may be limited to money market mutual funds or deposit products that are unaffiliated with DBSI if Client's Account is an individual retirement account or an ERISA account, or if DBSI Is acting as Client's investment adviser. Client understands that any funds Client has on deposit with the banks participating ir. IDP will be allocated °mom, such banks in a manner described in the IDP Temis and Conditions. 18. Credit Information and Investigation. Client authorizes ()BSI end Pershing to obtain reports concerning Client's credit standing and business conouctat their discretion without notifying Client. Client also authorizes UBSI toshale among