MARGIN ADDENDUM TO ACCOUNT AGREEMENT READ .AL, r;. Supplemental Terms and Conditions that Apply to Client Margin Account Any cepitakzed terms nor otherwise defined herein or in the Margin Disclosures shell have the meaning specified rn the Account Agreement and/or its Appendix annexed thereto. By signing this Agreement Client agrees to be bound by the Terms and Conditions in this Margin Addendum as well as those terms and oondaiona contained in the Account Agreement all of which are incnrporated herein by reference. 1. Mechanics and Risks of Margin. Client represents that Client understands the mechanics and risks of using margin as explained In the attached Margin Disclosure which is incorporated herein by reference. 2. Financing. Client uoderstaeds that the margin transactions In the Act:meat may be financed by Pershing or DBSI. 3. Interest and Costs. Client agrees to pay interest on all sums borrowed and other balances doe and costs incurred by Deutsche Bank in maintaining the Margin Account on Client's behalf. DBSI will deduct all interest charges from Client's Account. Interest charges will be reflected on Client's amount statement. For add tionel information on interest charges, please refer to the Annual Disclosure Statement at http://www.pwm.db.com/americesien/annualdisclosurestetementhtml. To obtain the current schedule of rates visit: http://pwm.db.corn/pwriVerVelexbrown_legal_oveiview.html and click on "DRAB Call Rate" or eontact the Client Advisor. 4. Client's Margin Loan is a Demand Loan. As such. DBSI or Pershing has the right to demand at any time the immediate payment of allot any portion of a margin balance. 5. Liens. Client hereby grants to DBSI and its Affiliates a security interest in and lien upon all Securities and Other Property In the possession or control of DBSI, any of its Affiliates or Pershing, in which Client has an interest (held individually, jointly or otherwise) (celleonvely all smirk Securities and Other Prne