EFTA Document EFTA01459371

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 CLIENTS SECURITIES NOT FULLY PAID FOR MAY BE LOANED TO 0851 OR TO PERSHING OR LOANED OUT TO OTHERS. THIS AGREEMENT IS SUBJECT TO THE PRE.DISPUTE ARBITRATION CLAUSE IN SECTION III. PAGE 5, OF THE ACCOUNT AGREEMENT. Account Number individual orjoInt account OF THIS IS ANOINT ACCOUNT, ALL A