UBS Financial Services Inc.

SUBS UBS Financial Services Inc. Account Number PWM Off ice Pr Nate Wealth Advise, Power of Attorney (PWM) (Not for use when naming a professional Investment Advisor) ca Account Name ' initial here t this authorization apply to all accounts at UBS Financial Services Inc in the same name, wheelies currently open or opened in future This will confirm the authority of Daniel Kerner .1 (Agent IVJMC) to pedorm each of the actions initialed below and to take any and all actions necessary for or incidental to carrying out such authorizations including the execution of documents or forms or other authorizations is Note When rued in this document. the words 'I'. or 'nor' or *my' refer to each of the chenest/prinopalls). individuals) or eritil(es), that kjait executes this Power of Attorney 1)85 MCI client mint initial in the box next to sad. agent, granted. PLEASE SEE IMPORTANT DISCLOSURES REGARDING TRADING • AUTHORIZATION FOR AND STRATEGK ADVISOR ACCOUNTS ON PAGES 2 AND 3 . . . . . ' . • Trading Authorization i initial here to authorize my Agent to enter ciders with you to purchase and it securities and similar property (including °plan iransadions), in accordance with the nolificationS. eligibility and general terms and conditions for my account(s), as brokers or dealers acting for my own aCcount(s), or as brokers for some other person WNW) Account Asanceization r e.7 I initial here to authorize my Agent to enroll my account in any enveatmenl advisory program offered by URS, to elide the Investment AdirrSOry Relationship Agreement or applicable forms, and specifically to hire terminate discretionary non. discretionary investment managers i understand that the Advisory Relationship Agreement. whether executed by me or my Agent. will apply to all UBS advisory program accounts that I may open in the future Disbursesnant Authorizations j I abet here to authorize my Agent to instruct ties to transfer money or securities to accounts held an my name or for my benefit. and to make tax withholding Sections on my behalf in connection with any transfer authorized under this Power of Attorney Such transfers may be effected by methods which include but are not limited to puma' entries. wire transfer, electronic funds transfer of Checks Tax Documents AuthoriZatiots I initial here to authorize my Agent to make, execute and present tax forms, including without limitation all US Internal Revenue Service Forms W.8 and W'9. as applicable, and any related documents I. Account Information Authorization I initial here to authorize my Aral to receive a duplicate copy of all COnfirM4hOns, statements and other COnniunvations Arab II I have designated muitipki agents to act on my account(s), I direct that each agent is authorized to act independently of any other agent lf UBS Essential Services Inc determines. in its sole discretion. that it is receiving conflicting instructions from agents that I have designated, I authorize 1185 Financial Services Inc , in its discretion to stop taking instructions from any of my agents until the conflict is resolved tither al my direction or by my designated agents Sign th4 SWIM if you intend Mal mullipie agents mug sayointly. Untss signed below you atsMOnze each agent to act separately d I nave designated more than one agent for my accounts, I direct that UBS Financial Senores Inc act only upon the loin: instructions of an dewmated agents 0 Client Lest Name last Name %Puttee A(•Ml1Rev 12/14) 02014 U85 Financial Services Inc All rights eservea Member Date Page 1 3 CONFIDENTIAL UBSTERRAMAR00000922 EFTA00236595 UBS Agreemert By signing below. I agree to indemnify and hold harmless UBS and ns affiliates and all of thee employees and agents from and against any and al claims that may arise by reason of UBS hang foiled on the provisions of this instilment t xanovAeoge and agree that my agent is authorized to make any trade for which my account is *ibis or approved, ncluding margin trades and short sales and to receive any and all account information I hereby ratify, confirm and agree to be bound by any and aft transaction, trades or dealings, whether written or verbal. effected in and for my accounts) by my agent in connxbon with the authority granted in this nuturnent, including. but not limited to. the execution of documents, forms or agreements or any authorizations If I have instrixted that this Power of Attorney be accepted in a Trust or Business Service Account. I expressly acknotiedge and agree that, by signors; Wow, I delegate the foregoing authority I have as Trustee or Officer, Member, Manager. Panner or other representative duly authorized, and sign this Power of Attorney CO such representative capacity or capacities as applicable for the accounts to which this authorization applies This Power of Attorney will be sutsect to. controlled by and interpreted in accordance with the laws of the State of New York, without gmng effect to any principles of choice of law or conflict of laws Motwithmandng any ',cannon to the contrary contained In any application for any account at UBS or in any other document) thiS is entitled to rely on this Power of Attorney until written notice of its revocation is delivered to the branch office where the account is maintained and receipt is acknowledged by OBS (wollnamt in discretionary UBS Investment Advisory programs wit for those accounts, immediately and effectively revolts any trading authorization granted herein. In addition. some of the services you have ..elected may be subiect to limitations on their availability as requited t7f ta"a or our Nacres, .cad under those cccunntances. senates may be terminated or declined in UBS' sole discretion For example. UBS Financial Advisors cannot be appointed Power of Attorney to any retirement &Mune. this is an important legal document. Before executing this document, you should know those important facts • This document may provide the person you designate as your agentrattorney.m.fact with broad powers, including power to manage, sell dispose of the assets in your account or borrow money using your property as security for the loan. If you are using this Power of Attorney in a Retirement Account, you should be aware that the agent is not authorized under this document to make or change beneficiary designations on your account If Power of Attorney is granted on behalf of an entity (e g Ouse. please provide the client turners) and your name as representative of that (bent tag , 'as trustee') TPAPORTANT NOTICE FOR PACE/STRATEGIC Aronson ACCOUNT* Ongoing advice horn the ll15 Financial Advisor is a principal rillent of the services clients pay for in these programs. As such, clients may not designate a Power of Attointy for the PurPOSe of htaning investment advice on a UBS PACE/Strategic Advisor account. This includes registered or unregistered investment admen financial planners or alai parties Ghislaine Ma :w ___ 4•1•1S- Ckent First Name last Name sit- atter Date Ckent First Name Last Name esence of 'cannot be the Agent. /4144/ .r5A A-ige-Ea /4 Wnness first Name tan Name . . must sign and date hi the pretense Warren who mot also sign and date this form Date Date IRfORTANT NONCE FOR PACE/STRATEGIC ADVISOR ACCOUNTS: Ongoing advice horn the UBS Financial AcMscs is a pividpal component of the services dents pay for in these programs As such, clients may not designate a Pont of Attorney for the purpose of obtaining investment agate on a OBS PACE/Strategic Advisor account This includes registered or unregistered investment &Anon. consultants, fins vial planless or similar parties By signing below, I contimi that I am not prodding Mniffnent advice or consulting services to he client granting me agency on this account 0 Daniel Kesner Agent First Name last Name AC-M2 (Rev. 12/14) I (arairro Dale INVOIR1111 02014 UBS lmanual Services inc All ghts !ON elf Member SJPC CONFIDENTIAL UBSTERRAMAR00000923 EFTA00236596 UBS ADDITIONAL INFORMATION (To Se Completed by Agent) Basic kdonnatIon Li Check here d agent is Ul35 financial Advisor °reregistered associated person al INS Daniel Kesner Agent Fest Name Mid* Name Last Name Country of Citineedlip. USA O Other (speedy) PasSport/Cedula SSN C/O Marks Paneth _ Address lane 1 - Country Mine phone Agent's Reiationshp. tt Any. to Principal Agent's Account No With UBS Of Any) Financial Information investment Experience: How many years have you held investment accounts) 20 years *hot Geo ritvotos yOur S000dfocige of investments) K !know very ktde about financial markets and market investments i have a good understanding of financial markets and market investments D i am an experienced investor in financial markets and market investments Personal Information Date of gent Is the Agent a acted with any secedes firm. excluding UBS and its affiliates, poker/theater subsidory of a financial institution, securities or comrixoddies exchange, self aeguratory organizaton or the UR5 auditor ;currently Ernst Young17 (NYSE Rule 407: S No — Yes 91 blank. Firm assumes No If yes specify affiliated temlorgangation If you answer 'yes' to the NYSE Rule 407 question. approval must be obtained from the specified funvorganuation before the account can be opened a trading authority becomes effective is the Agent an employee or related to an employee of UBS AG, Is subsidiaries or affiliates re 9. UBS financial Services inc U85 Strung*. ILO, No Yes . specify Alf awletSubudiary Employee first Name Last Name 5SN Employment Information Occupation, Employer Name and Address are only requned if your employment status is erne/owe or . seti-emPloYed. Status (select one;. 2) Employed ED Self •Emraoyed E l Student r Retired K Self•Supported C Volunteer 0 Unemployed 0 Work in the Home Other occupation Business Phone(optional) Marks Paneth Other imployer Name Address Line I City AC-MZ (Rev 12/14) State/Proinnce Business lax (optonall Industry (l .e . Construction Service. etc) (oplormal) Address toe United States of America Zip/Postal Cone (Oorttry O2014 UBS ht14110.31Services Inc AN sights 'served Member UK Page 3/3 CONFIDENTIAL UBSTERRAMAR00000924 EFTA00236597