EFTA Document EFTA01393082

By signing below, client acknowledges that client has received, read and agrees to the terms of this margin agreement, including the margin disclosure. By signing this agreement the client acknowledges that client's securities not fully paid for may be loaned to DBSI or to Pershing or loaned out to others. This agreement is subject to the pre-dispute arbitration clause in Section III, page 7, of the account agreement. Account Number Individual or joint account (if this is a joint account,