EFTA Document EFTA01392986

BY SIGNING BELOW CLIENT ACKNOWLEDGES THAT: (I) CLIENT HAS RECEIVED, READ AND AGREES TO THE TERMS AND CONDITIONS OF THIS ACCOUNT AGREEMENT. INCLUDING THE APPENDIX WHICH CONTAINS IMPORTANT INFORMATION: AND (2) THE INFORMATION CONTAINED IN THIS ACCOUNT APPLICATION IS ACCURATE. CLIENT ACKNOWLEDGES THAT THIS ACCOUNT AGREEMENT CONTAINS A PRE-DISPUTE ANIMATION CLAUSE AT SECTION III. PAGE 5, AND CLIENT AGREES TO ITS TERMS ALL ACCOUNT AGREEMENT SIGNATORIES MUST INITIAL). L INITIAL HERE: THE INTERN