JOINT ACCOUNT It this is a Joint Account with Rights of Survivorship, you understand that (I) you will share ownership of the properly while you are Ave. (2) either of you, acting alone. may withdraw some or all of the Property from the Account. 3) either of you may give us instructions which we will follow without obtaining the consent of or notifying the other owner, and 4f we may terminate the Account upon the request of just one Account owner. If this is a Joint Account held as Tenants in Common and if one party wants to withdraw more than one-half the value in the Account, we may require the consent of the other Account holder. We may be required to release Property to satisfy a judgment against or the debt of any one owner of the Account. OUR SERVICES As Custodian, the Bank will keep and protect in the same manner as the Bank keeps and protects its own similar property, the securities, cash or other financial assets you deposit in your Accoun(s) and any dividends, interest or other distributions received on those assets or from their sale or other disposition (collectively, the "Property"). Upon instructions from you or your Advisor, the Bank will buy or sell, for your Account and at your sole risk, securities or other financial instruments and any foreign currency needed to complete these transactions. The Bank may charge transaction costs, including commissions, to your Account unless you or your Advisor gives the Bank different instructions. The Bank may effect orders to buy or sell securities. other financial instruments or foreign currency for your Account in any commercially reasonable manner the Bank deems appropriate. The Bank may select, in the Bank's sole discretion, the brokers, dealers, coonterparees or other intermediaries the Bank uses, including itself or its affiliates. When the Bank buys or sells foreign currency for your Account, the Bank or an affiliate may act es principal or counterparty on the other side of the transactio