Basic Brokerage Account Agreement and Disclosure Document

565924 (Rev 34 - 11/16)

NOTE: Do not add page number to Cover Page.It is CRITICAL that the Arbitration section (see page 1)remain on that page unless specifically requested byWFA. This must agree with the same page on the NAO version 569570 and other forms (SSPs, etc) that refer to that section by page #.3/05/2015 DBKAccount(s) carried by First Clearing. First Clearing is a trade name used by Wells Fargo Clearing Services, LLC, a registered broker-dealer and

non-bank affiliate of Wells Fargo & Company.

Client Agreement

565924 (Rev 34 - 11/16) Page 1 of 22

I. GENERAL ACCOUNTTERMS AND CONDITIONS

INTRODUCTION

This is your Client Agreement ("Agreement").It is the contract that contains the terms andconditions governing the securities account("Account") you have opened with yourbroker ("Introducing Firm"). First Clearing*("Clearing Firm") will carry the Account andextend credit on any margin purchases.Certain terms and conditions in thisAgreement and disclosures apply to thatrelationship only. Please read this Agreementcarefully. If you are not willing to be bound bythese terms and conditions, you should notapply for a securities account nor should yousign the Signature Page. Your signature onthe Account Application confirms that youhave read, understand, and agree to theterms of this Agreement and that you havereceived the relevant disclosures. Except asto the terms and conditions between you andClearing Firm relating to the carryingrelationship with and the extension of creditby the Clearing Firm, you hereby agree thatClearing Firm and its agents are third partybeneficiaries of this Agreement and that theterms and conditions hereof, including thearbitration provision, shall be applicable to allmatters between you and either IntroducingBroker and Clearing Firm or their respectiveagents.

THIS AGREEMENT CONTAINS APRE-DISPUTE ARBITRATION CLAUSELOCATED ON PAGE 1, PARAGRAPH 5.THE UNDERSIGNED HEREBYACKNOWLEDGES RECEIPT OF A COPYOF THIS AGREEMENT.

In consideration of Introducing Firmaccepting and Clearing Firm carrying yourAccount, you hereby consent and agree tothe foregoing and to the following:

1. DEFINITIONS

Throughout this Agreement, "you," "your,""Client," and "the undersigned" refer to theperson(s) whose signature(s) appear(s) onthe Signature Page and all others who arelegally obligated on this Account. "We,""our," "ours," and "us" refer to IntroducingFirm, its subsidiaries and affiliates, itsofficers, directors, agents, and employees."Clearing Firm" refers to First Clearing, itsofficers, directors, agents, and employees.Where the context requires, the singular shallbe the plural and the plural shall be thesingular.

As set forth in the Designation ofResponsibilities letter provided to you withyour new account disclosures, youunderstand the role and services provided byIntroducing Firm and Clearing Firm,respectively, and agree that this Agreementinures to the benefit of both firms and theiraffiliates as applicable.

For purposes of this Agreement, "securitiesand/or other property" means, but is notlimited to, money, securities, financialinstruments, and commodities of every kindand nature, and related contracts and

options, distributions, proceeds, products,and accessions of all property. This definitionincludes securities and/or other propertycurrently or hereafter held, carried ormaintained by us or Clearing Firm, in our orClearing Firm's possession and control, forany purpose, in and for any of your Accountsnow or hereafter opened, including anyaccount in which you may have an interest.

"Available Funds" is defined as the sum ofmoney market funds and free creditbalances, plus funds receivable from settledsales and the loan value available to you onmarginable securities if your Account is amargin account, minus any funds needed topay for any open orders and any uncleareddeposits. Funds deposited to your Account inthe form of a personal check, cashier'scheck, money order, or automated clearinghouse transfer may not be withdrawn fromyour Account until said funds have beencleared by the appropriate bank, clearinghouse, or other financial institution.

2. REPRESENTATIONS BY ACCOUNTHOLDER

By signing the Signature Page, you warrantthat all of the information on the AccountApplication was provided by you or at yourdiscretion, that it is accurate and complete tothe best of your knowledge and belief andthat each of the following statements isaccurate as to you and your Account; (a) youare of legal age to enter into contracts in thestate of your domicile; (b) no one exceptthose persons who have signed theSignature Page has any interest in theAccount unless such interest is revealed inthe title of the Account; and (c) unless youadvise us to the contrary, in writing, andprovide us with a letter of approval from youremployer, where required, you represent thatyou are not an employee of any exchange, orof any corporation of which any exchangeowns a majority of the capital stock, or amember of an exchange, or NASD.

We and our Affiliates shall have the right atour sole discretion to advocate judicially oradministratively on your behalf where wesuspect financial exploitation, dementia, orundue influence in the course of atransaction. Pending any judicial oradministrative remedies, we shall have at oursole discretion the authority to pause or rejectinstructions for any such proposedtransaction.

You further represent that if any of therepresentations contained herein is orbecomes materially inaccurate, you willpromptly notify us in writing.

3. SCOPE

This Agreement shall cover individually andcollectively all Accounts that you may open orreopen with us, and shall inure to the benefitof our successors and assigns (whether bymerger, consolidation, or otherwise) and wemay transfer any of your Accounts to oursuccessors and assigns, and this Agreementshall be binding upon your heirs, executors,administrators, successors, and assigns.

4. CONSENT TO VERIFICATION ANDCREDIT INFORMATION

In accordance with federal law,Introducing Firm must make a reasonabledetermination and verification of Clients'profile information. Until verification iscomplete, Introducing Firm and/orClearing Firm may not be able to serviceand maintain your Account. By signingthe Signature Page, you consent toIntroducing Firm and Clearing Firmobtaining background and/or creditreports necessary to comply with anyfederal or state statutes or industryregulation.

5. ARBITRATION

Arbitration Disclosures:

This Agreement contains a pre-disputearbitration clause. By signing anarbitration agreement, the parties agreeas follows:

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No person shall bring a putative orcertified class action to arbitration, norseek to enforce any pre-disputearbitration agreement against any personwho has initiated in court a putative classaction; or who is a member of a putativeclass who has not opted out of the classwith respect to any claims encompassedby the putative class action until:(i) the class certification is denied; or(ii) the class is decertified; or(iii) the client is excluded from the class

by the court.

Such forbearance to enforce an

All of the parties to this Agreementare giving up the right to sue eachother in court, including the right to atrial by jury, except as provided by therules of the arbitration forum in whichthe claim is filed.Arbitration awards are generally finaland binding; a party’s ability to have acourt reverse or modify an arbitrationaward is very limited.The ability of the parties to obtaindocuments, witness statements andother discovery is generally morelimited in arbitration than in courtproceedings.The arbitrators do not have to explainthe reason(s) for their award unless,in an eligible case, a joint request foran explained decision has beensubmitted by all parties to the panel atleast 20 days prior to the firstscheduled hearing date.The panel of arbitrators typically willinclude a minority of arbitrators whowere or are affiliated with thesecurities industry.The rules of some arbitration forumsmay impose time limits for bringing aclaim in arbitration. In some cases, aclaim that is ineligible for arbitrationmay be brought in court.The rules of the arbitration forum inwhich the claim is filed, and anyamendments thereto, shall beincorporated into this Agreement.

*Account(s) carried by First Clearing. First Clearing is a trade name used by Wells Fargo Clearing Services, LLC, a registered broker-dealer andnon-bank affiliate of Wells Fargo & Company.

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agreement to arbitrate shall not constitutea waiver of any rights under thisAgreement except to the extent statedherein.

Arbitration Provision:It is agreed that all controversies ordisputes which may arise between youand Introducing Firm, Clearing Firm andany Sub-Advisor (and/or any other agent),(collectively, "us") concerning anytransaction or the construction,performance or breach of this Agreementor any other agreement between us,whether entered into prior to, on, orsubsequent to the date of this Agreement,including any controversy concerningwhether an issue is arbitrable, shall bedetermined by arbitration conductedbefore, and only before, an arbitrationpanel set up by the Financial IndustryRegulatory Authority, ("FINRA"), inaccordance with its arbitrationprocedures. Any of us may initiatearbitration by filing a written claim withFINRA. Any arbitration under thisAgreement will be conducted pursuant tothe Federal Arbitration Act and the Lawsof the State of New York.

The state or federal statute of limitations,statute of repose, non-claim statute or anyother time bar that would be applicable toany claim filed in a court of competentjurisdiction shall be applicable to anyclaim filed in arbitration.

6. JOINT ACCOUNTS

In general, if this is a Joint Account, eachsigner ("Joint Owner") of this Agreementagrees that all Joint Owners are jointly andseverally liable for all obligations arisingunder the Agreement. Each Joint Owneragrees that each other Joint Owner shallhave the authority to give instructions to usregarding the Joint Account, to communicateand receive information from us concerningthe Joint Account, to receive on behalf of theJoint Account securities and/or other propertyand to dispose of same, to make on behalf ofthe Joint Account agreements relating to anyof the foregoing matters, and to terminate ormodify or waive any of the provisions of suchagreements and generally to deal with us onbehalf of the Joint Account, all withoutproviding notice to the other Joint Owners.

Each Joint Owner agrees that we areauthorized to follow the instructions of anyother Joint Owner in every respectconcerning the Joint Account and to makedeliveries to any Joint Owner, or uponinstructions by any Joint Owner, of anysecurities and/or other property in the JointAccount, and to make payments to any JointOwner, or upon orders of any Joint Owner, ofany or all monies at any time or from time totime as such Joint Owner may order anddirect, even if such deliveries and/orpayments shall be made to such Joint Ownerpersonally, and not for the Joint Account.

Each Joint Owner agrees to hold us and ouremployees and agents harmless from andindemnify the same against any losses,cause of action, damages, and expenses(including attorneys' fees) arising from or asthe result of us, our employees, or agentsfollowing the instructions of any Joint Owner.Each Joint Owner further agrees that weshall not be under any duty or obligation to

inquire into the purpose or propriety of anysuch demand for delivery of securities orpayment of monies.

At any time, we may, at our sole discretion,require joint or collective action by both JointOwners with respect to any matterconcerning the Joint Account, including butnot limited to the giving or cancellation oforders and the withdrawal of money or otherproperty.

Notwithstanding any of the foregoing, we areauthorized at our sole discretion and withoutliability because of fluctuating marketconditions or otherwise, to do any one ormore of the following: (i) select whichinstructions to follow and which to disregard;(ii) suspend all activity in the Joint Account,and refuse to buy, sell, or trade any securitiesand/or other property, and refuse to disburseany such securities and/or other property,except upon further written instructionssigned by ALL the Joint Owners; (iii) closethe Joint Account and send any and allsecurities and/or other property by ordinarymail to the address of record; or (iv) file aninterpleader action in any appropriate court,in which event we shall be entitled to recoverall costs including reasonable attorneys' feesin an amount set by the court. (You agreethat filing of such an interpleader is anextraordinary event and will not be deemed awaiver of the right to arbitration under thisAgreement.)

Each Joint Owner agrees that we may, at anytime, suspend all activity in the Accountpending instructions from a court ofcompetent jurisdiction.

Death of a Joint Owner. You also agreethat in the event of the death of any JointOwner, the survivor or survivors will notify usimmediately in writing that the Joint Ownerhas died. We may, before or after receivingthis notice, take any actions, require anydocuments and inheritance or estate taxwaivers, retain a portion of and/or restricttransactions in the Account if we deem theseactions advisable in order to protectourselves against any tax liability, penalty, orloss under any present or future laws orotherwise. The estate of the deceased JointOwner and the surviving Joint Owners willcontinue to be jointly and severally liable tous for any net debit balance or loss in theAccount resulting from the completion oftransactions initiated prior to our receipt ofthe written notice of death of the deceasedJoint Owner or incurred in the liquidation orthe adjustment of the Joint Owners, and/orany third party interests.

In the event of the death of any party to aJoint Account held by spouses as tenants bythe entirety or as a Joint Account with right ofsurvivorship, you agree that the death ofeither of the Joint Owners shall vest theinterest of the deceased tenant with thesurviving tenant, who may continue toexercise full authority over the account,subject to our set-off against the account forany amounts owned by the decedent or anysurviving Joint Owner.

In the event of the death of any party to aJoint Account held as tenants in common,you agree that in the percentage ofownership of the Account held by each of theJoint Owners as of the close of business onthe date of the death of the deceased Joint

Owner (or on the next following business dayif the date of death is not a business day) willbe equal unless a different tenancypercentage is specified by the Joint Ownersin the Account Application. You also agreethat any taxes, costs, expenses, or othercharges which become a lien against orbecome payable out of the Account as aresult of the death of the deceased JointOwner or through the exercise by his or herestate or representatives of any rights in theAccount will, insofar as possible, be deductedfrom the interest in the estate of such JointOwner.

If you designate your Account as acommunity property account, you agree thatwe will treat all property placed in theAccount and any proceeds generated by theproperty in the Account as communityproperty.

You understand that this designation isintended only for the convenience of theparties and is not intended in any way tochange the substantive status of theownership of the property or the proceedsthereof. You further authorize us to receiveinto the Account any securities and/or otherproperty delivered to it by or for either JointOwner without delineation as to actualownership of the property.

In any situation where we cannot determineto our satisfaction the proper distribution ofsecurities and/or other property from a JointAccount upon the death of one owner, wemay, at our sole discretion, freeze theAccount indefinitely pending a resolutiondeemed satisfactory to us, such as (withoutlimitation) a binding agreement among allinterested parties or a final decision of anarbitrator or court having jurisdiction over thematter.

Notwithstanding the governing law provisionsof Section 25 of this Agreement, which shallgovern the contractual obligations the partiesunder the Account, the legal ownership ofyour Account shall be governed by andimplemented under the internal laws of yourstate of residence.

The authority conferred hereby shall remainin force until we receive written notice ofrevocation.

7. CUSTODIAL ACCOUNTS

If this is a custodial account, you understandthat we will maintain an account establishedunder the Uniform Gifts to Minors Act orUniform Transfers to Minors Act for whichyou will act as custodian. You understandthat you represent and warrant that theassets in the Account belong to the minorand all such assets will only be used by youfor the benefit of the minor. You furtherunderstand that only one custodian ispermitted to be named on the Account andthat margin is not allowed in custodialaccounts. As used herein, "you" or "your"shall refer to the custodian or to the minor asthe context may require.

8. THE ACCOUNT

The Account is a cash and/or marginbrokerage securities account that may beused to purchase or sell securities and/orother property.

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All orders authorized by you for the purchaseor sale of securities and/or other property,which may be listed on more than oneexchange or market, may be executed onany exchange or market selected by us,unless otherwise specifically directed by you.

If we provide recommendations, yourecognize that these recommendations aremerely opinions because such suggestionsdeal with future developments that cannot bepredicted with certainty. We are under noobligation to keep you informed aboutdevelopments in the market concerningsecurities and/or other property, and you willbe responsible for remaining informed as tothose securities and/or other property.

Purchases of Securities. To process ordersto purchase securities and/or other property,we require that your Account containavailable funds equal to or greater than thepurchase price of the securities and/or otherproperty prior to the placement of an order.We may, in our full discretion, accept anorder without sufficient funds in your Accountwith the understanding that payment will besubmitted promptly. Any order inadvertentlyaccepted and/or executed without sufficientfunds in the Account will be subject, at ourdiscretion, to cancellation or liquidation. If fullfunds are not available in the Account and anorder is processed, your payment via wire orpersonal check, cashier's check, or moneyorder must be promptly submitted to us toassure that such payment will be received bysettlement date or, as market conditionswarrant, your Account may be liquidatedwithout prior notice to you.

Sales of Securities. You agree that you willnot enter sell orders (except orders to sell"short" which are so designated by you anddiscussed below) unless the security whichyou are selling is long and in gooddeliverable form in your Account on or beforeplacement of the order. Any sell order whichis inadvertently accepted by us in theabsence of securities long and in gooddeliverable form in your Account will besubject, at our discretion, to cancellation orbuy-in.

Short Sales. When placing with us anyorder to sell short, you agree to designate itas such and authorize us to mark such orderas "short." You understand that execution ofsuch a "short sale" is contingent on ouraffirmative determination that we have madearrangements to borrow the necessary stockor we have obtained assurances that deliverycan be made by the settlement date. Whenplacing an order to "sell short against thebox," you understand that you will borrow thenecessary stock to make delivery on thesettlement date and that your long position insuch stock will be unavailable so long assuch short position remains open.

Cash Sweep Program. Under the CashSweep Program (the “Sweep Program”),uninvested cash balances in your Account -for which no interest is otherwise earned orpaid - are automatically swept intointerest-bearing deposit accounts (“BankDeposit Sweep”) or, if available, moneymarket mutual funds (“Money Market Funds”)or such other sweep arrangements madeavailable to you (collectively “Cash SweepVehicles”), until these balances are investedby you or otherwise needed to satisfyobligations arising in connection with your

Account. You authorize and direct us toinvest or deposit free credit balances,including dividends, interest, or other cashwe receive for your Account, in your CashSweep Vehicle within a reasonable time afterreceipt. The Sweep Program is describedmore fully in the Cash Sweep ProgramDisclosure Statement, included herewith.You should read this carefully.

Restrictions on Trading. You understandand agree that we may at any time, at oursole discretion and without prior notice toyou, prohibit or restrict your ability to tradesecurities and/or other property, or tosubstitute securities, in your Account.

Penny Stocks. We discourage accountsthat are solely established for the deliveryand sales of over-the-counter bulletin boardand pink sheet securities (non-listedequities). Accounts that are found to be usedpredominantly in this fashion may be subjectto closure.

Impartial Lottery Allocation System. Forsecurities that may be called in part, FirstClearing uses an impartial lottery process todetermine which securities will be called. Formore information about the lottery process,please seewww.WellsFargoClearingServicesLLC.com orcontact your financial professional to receivea written copy of the procedures.

Control or Restricted Securities. Prior toplacing an order in connection with anysecurities subject to Rule 144 or 145(d) of theSecurities Act of 1933, you understand andagree that you must advise us of the status ofthe securities and furnish us with thenecessary documents (including opinions oflegal counsel, if requested) to clear legaltransfer. You acknowledge that there may bedelays involved with the processing of controlor restricted securities, and that you will nothold us liable for any losses caused directlyor indirectly with such delays. We or ClearingFirm may, at our or its sole discretion, requirethat control or restricted securities not be soldor transferred until such securities clear legaltransfer.

Order Placement. You understand andagree that when orally placing a trade with aregistered representative, either in person orvia telephonic means, you agree to be boundto the oral confirmation repeated back to you,unless you object to such oral confirmation atthe time of the order. You further understandand agree that we will not be held liable forany direct, indirect, incidental, special, orconsequential damages that may result fromyour failure to object to an oral confirmation.

Cancellation/Modification Requests. Youunderstand that any attempt to cancel ormodify an order is merely a request to cancelor modify. All cancellation requests areaccepted by us on a best efforts basis only.You understand and agree that when youplace a request to cancel an order,cancellation of that order is not guaranteed.

Corrected and Late Trade Reports. Fromtime to time we may receive late and/orerroneous trade reports from exchanges ormarket makers. You understand and agreethat the status of orders which are notreported to you or which are reported ashaving expired, been cancelled, or beenexecuted, may be changed in response to

such late reports in order to reflect whatactually occurred in the marketplace withrespect to such order.

9. RULES AND REGULATIONS

All transactions in your Account shall besubject to the constitution, rules, regulations,customs, and usages of the exchange ormarket, and its clearing house, if any, wherethe transactions are executed. Transactionsshall also be subject to the provisions offederal and state securities laws, asamended, and to the rules and regulations ofthe Securities and Exchange Commissionand the Board of Governors of the FederalReserve System.

You agree that we or Clearing Firm shall notbe liable for any loss caused directly orindirectly by our or its compliance with suchrules or regulations or by governmentrestrictions, exchange or market rulings,suspensions of trading, war, acts of terrorism,or other conditions beyond our or its control.

10. LIEN

All of your securities and/or other propertynow or hereafter held, carried, or maintainedby us or Clearing Firm in our or itspossession and control for any purpose, in orfor any Account that you have an interest,shall be subject to a lien for the discharge ofany and all indebtedness or any otherobligation you may have to us or ClearingFirm, and are to be held by us or ClearingFirm as security for the payment of anyliability or indebtedness of yours to us orClearing Firm in the Account. Such lienand/or security interest shall exclude IRAaccounts now or hereafter held, carried, ormaintained by us or any affiliate of ours. Weor Clearing Firm may at any time and withoutgiving you prior notice, use and/or transferany or all securities and/or other property inany Account in which you have an interest,without regard to us or Clearing Firm havingmade any advances in connection with suchsecurities and/or other property and withoutregard to the number of Accounts you mayhave with us. In enforcing the lien, we orClearing Firm shall have the discretion todetermine which securities and/or otherproperty are to be sold or which contracts areto be closed.

11. PAYMENT OF COMMISSIONS,FEES AND OTHERINDEBTEDNESS

You understand and agree to pay certaincommissions and fees (which are subject tochange) which will be charged for theservices provided by us. Without limiting theforegoing, we may charge your Account(s)with such usual and customary charges aswe or Clearing Firm may determine to coverour services, or the termination of suchservices, including, but not limited to, custodyand transaction fees. Certain Fees may becharged for the services listed below. Theremay be other fees applicable to specificprograms, which are not listed here. Checkwith Introducing Firm as to the amount of anyfee which may be charged to your Account:

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Account Transfer to another brokeragefirm (also charged if you transfer toanother firm clearing through ClearingFirm)Optional Exchanges

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Wire Transfers Cash Management AccountsRetirement Plan AccountsDelivery of U.S. Government SecuritiesAbandoned Property/Dormant AccountReturned ChecksInternet Account Access (if applicable)Various fees on foreign securities mayapply, including but not limited to,transfers, reregistration, custody anddepository feesAnnual Inactive or Maintenance FeesPostage and Handling Fees

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You agree to satisfy, upon demand, anyindebtedness, and to pay any debit balancein any Account in which you have an interest.You understand and agree that a financecharge may be charged on any debit balancein your Account in accordance with our usualcustom, together with any increases in ratescaused by money market conditions, andwith such other charges as we or ClearingFirm may impose to cover our extra services.No Account of yours may be closed withoutus first receiving all securities and/or propertyfor which the Account is short andoutstanding debts which you owe to us orClearing Firm for any reason whatsoever.

You agree to pay and shall be liable for thereasonable costs and expenses of collectionof the debit balance and any unpaiddeficiency in any of your Accounts with us,including, but not limited to, attorney feesincurred and payable or paid by us orClearing Firm. You further agree to reimburseus or Clearing Firm for any actual expenseswe or Clearing Firm incur to execute, cancel,or amend any wire transfer payment order, orperform any related act at your request. Weor Clearing Firm may charge any Account ofyours for such costs and expenses withoutprior notice to you.

All securities and/or other property now orhereafter held, carried, or maintained byClearing Firm in its possession in any of yourAccounts may be pledged or repledged byClearing Firm from time to time, withoutnotice to you, either separately or in commonwith other such securities and/or otherproperty for any amount due in any of yourAccounts, or any greater amount, andClearing Firm may do so without returning toyour possession or control for delivery a likeamount of similar securities and/or otherproperty.

12. ACCOUNT HOLDER'S INTENT TOCONSUMMATE TRANSACTIONS

All orders for the purchase or sale of anysecurities and/or other property for you areexecuted with the express understanding thatyou intend an actual purchase or sale andthat it is your intention and obligation in everycase to deliver certificates to cover any andall of your sales and, in the case ofpurchases, to receive and pay for certificatesand that you will do so in compliance with allapplicable regulations. In case we make ashort sale of any securities and/or otherproperty at your direction or in case you failto deliver to us any property which we havesold at your direction, then and in such eventyou authorize us or Clearing Firm, in our orits discretion, to buy-in (and, if you have amargin account, to borrow) any securitiesand/or other property necessary to makedelivery thereof, and you hereby agree to beresponsible for any loss which we or Clearing

Firm may sustain thereby and any premiumswhich we may be required to pay thereon,and for any loss which we or Clearing Firmmay sustain as a result of our or its buy-in of(and, if you have a margin account, byreason of our or its inability to borrow) suchsecurities and/or other property sold.

13. EXCHANGE RATE FLUCTUATION

You understand and agree that if anytransactions for your Account are effected onan exchange in which a foreign currency(non-U.S. denomination) is used, any profit orloss as a result of a fluctuation in theexchange rate will be charged or credited toyour Account.

14. LIQUIDATION

Clearing Firm shall have the right, inaccordance with its general policies regardingits margin maintenance requirements, assuch may be modified, amended, orsupplemented from time to time, or, if at itsdiscretion Clearing Firm considers itnecessary for its protection to requireadditional collateral at an earlier or later pointin time than called for by said generalpolicies, or in the event that a petition inbankruptcy or appointment of a receiver isfiled by or against you, or an attachment islevied against any Account in which you havean interest, or in the event of your death, tosell any or all securities and/or other propertyin your Accounts, whether carried individuallyor jointly with others, to buy any and/or allsecurities and/or other property which may beshort in any of your Accounts, to cancel anyopen orders and to close any or alloutstanding contracts, all without demand formargin or additional margin, notice of sale orpurchase, or other notice or advertisement.Any such sales or purchases may be made atits discretion on any exchange or othermarket where such business is usuallytransacted, or at public auction or privatesale, and Clearing Firm may be thepurchaser(s) for its own account, it beingunderstood that a prior demand, or call orprior notice of the time and place of such saleor purchase shall not be considered a waiverof its right to sell or buy without demand ornotice as herein provided. After deducting allcosts and expenses of the purchase, buy-in,and/or sale and deliveries, including, but notlimited to commissions and transfer andstamp taxes, Clearing Firm shall apply theresidue of the proceeds to the payment ofany and all of your liabilities, and you shallremain liable for any deficiency.

No course of dealing between you and us orClearing Firm nor any delay on ClearingFirm’s part in exercising any of its rights orremedies shall constitute a waiver thereof,and any such right or remedy may beexercised from time to time and as often asClearing Firm may determine.

15. DIVIDEND REINVESTMENT PLAN

The Dividend Reinvestment Plan ("DRP","the plan") allows you to automaticallyreinvest any dividends, capital gains, andreturn-of-capital income distributions("Eligible Monies") paid on shares we hold foryou in additional shares of the samesecurities. The Dividend Reinvestmentoptions selected by the Client are on theAccount Application.

This service is available on most domesticlisted New York Stock Exchange, AmericanStock Exchange, and NASDAQ commonstocks held in your Account in nominee name("Eligible Securities"). Many stocks eligiblethrough the DRP do not have reinvestmentprograms of their own, therefore, the Planoffers you many more opportunities forreinvestment.

You can reinvest whether your EligibleSecurities are fully paid or you are usingsecurities as loan collateral in a marginaccount. We will reinvest all Eligible Moniesinto whole and fractional shares rounded tothree decimal places.

We can reinvest in all or some of the EligibleSecurities in your Account. If, in setting upyour Account, you elected to reinvest allfuture dividends, capital-gain distributions,and return-of-capital Monies, the DRP servicewill also apply to eligible future holdings aswell as current holdings. No further action isrequired. But if you chose instead to reinvestonly certain securities in your Account, youwill need to advise your registeredrepresentative whether or not to reinvesteach time you buy a new Eligible Security ordeposit one into your Account.

You can make reinvestment decisions whenentering good-till-canceled orders, or inanticipation of transferring securities to usfrom another firm. Reinvestment decisionscan easily be changed by contacting yourregistered representative to add or delete aspecific stock or change your standingaccount instructions.

Any change must be received at least twodays before the posting date of any EligibleMonies. Written confirmation of changes willnot be issued; however, at any time, yourregistered representative will be able to tellyou which of your securities are beingreinvested through the DRP.

Reinvestment will be determined based onyour Account coding one business day beforeEligible Monies are credited to your Account.

How the Plan Works

On the day Eligible Monies are credited toyour Account, they will be reinvested at ornear the opening price of each designatedEligible Security. If multiple lots arenecessary, an average price will be used.

If an IRS Form W-9 is required and is not onfile, or if your Account is, for any reason,subject to any other withholdingrequirements, reinvestment will occur for netEligible Monies after deducting amountswithheld.

Clearing Firm will detail all DRP reinvestmentactivity on your monthly account statement,including purchase price and number ofshares purchased (including fractionalshares), date of such transactions, and totalnumber of shares of such securities in yourAccount. If you sell the entire position of oneof your Eligible Securities before EligibleMonies are credited (or, in the case of anoptional dividend, if you have specificallychosen the cash option), we will not reinvestthose Eligible Monies in that stock.

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You Can Sell Reinvested Shares of YourEligible Securities

When you sell your entire whole-shareposition in any Eligible Security, anyfractional share will be sold automatically. Ifyour position is sold in multiple executions,the fraction will be sold at your first executionprice. Your trade confirmation will reflectwhole shares sold through the appropriateexchange or market. Your fractional sharewill appear on the same confirmation asbeing sold through our Fractional ShareFacilitation Account, since fractional sharescan't be sold through regular methods.

Use of our DRP doesn't guarantee you aprofit or protect you against losses, but itdoes allow you to take advantage of marketfluctuations and invest fixed dollar amountsperiodically, without paying commissions orfees.

Terms and Conditions

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Clearing Firm reserves the right to modify theterms of the Plan, or discontinue or suspendit (in whole or in part) whenever conditionswarrant, at any time, with or without notice.

16. COMMUNICATIONS,CONFIRMATIONS, PERIODICACCOUNT STATEMENTS, CREDITREPORTS, AND INVESTIGATIONS

You agree that communications may be sentto the mailing address on file with us, or tosuch other address as you may hereaftergive in writing, and all communications sosent, whether by mail, electronic mail,telegraph, messenger or otherwise, shall bedeemed given to you personally, whetheractually received or not. You warrant that theaddress currently on file with us is an addresswhere you personally receivecommunications.

Notices to you concerning marginrequirements or other matters related to yourAccount usually will be sent to you throughIntroducing Firm, although notice may besent directly from Clearing Firm to youwithout duplicate notice to Introducing Firm ifmarket conditions or time constraints sorequire, or if Clearing Firm determines, at itssole discretion, that other circumstances sorequire.

Clearing Firm reserves the right tosuspend or delete an otherwise EligibleSecurity from dividend reinvestment atany time, without notice, in response tomarket conditions.

Should you request registration of yourwhole shares or request their transfer toanother firm, any fractional shares will besold.

Each type of payment (dividends, returnof capital, long-term capital gain) will beconsidered separately in determiningminimums subject to reinvestment.

Voting privileges do not exist onfractional shares.

If you are an "affiliate" or "insider" of anyissuer, you may want to consult yourpersonal legal advisor beforeparticipating in the DRP with respect tothat issue.

Notices and other communications, includingbut not limited to, margin and maintenancecalls, may also be provided to you orally.Such notices and other communications leftfor you on your answering machine, voicemail, electronic mail, or otherwise, shall bedeemed to have been delivered to youwhether actually received or not.

Transactions entered into for your Accountshall be confirmed to you in writing whererequired by applicable law or regulation. Youunderstand that if your Account is linked to amoney market fund, Clearing Firm (includingthe Portfolio) will not send out confirmationson each occasion that shares of the Portfolioare either bought or redeemed, and if youparticipate in a dividend reinvestment plan,Clearing Firm will not send out confirmationson each occasion that shares are purchasedthrough such plan, but your Accountstatements will describe the transactions inthe Portfolio and purchases through thedividend reinvestment plan which took placeduring the preceding period.

You understand that Clearing Firm willprovide you with a statement at leastquarterly of all transactions in your Accountduring that period, and monthly in the monthsin which there is activity in your Account. Youunderstand that it is your responsibility toreview upon first receipt all statements andconfirmations delivered to you, whether bymail or otherwise. You agree that statementsand confirmations shall be conclusivelydeemed accurate as stated unless you notifyus or Clearing Firm in writing at once, and inno event later than ten (10) days after receiptfor statements and two (2) days after receiptfor confirmations, that the informationcontained in such statement or confirmationis inaccurate. Inquiries concerning thebalance and positions in your Account shouldbe directed to First Clearing Brokerage OfficeSupport, One North Jefferson Ave., St. Louis,MO 63103. All other inquiries concerningyour Account and the activities therein,should be directed to the Branch Manager forthe office listed on the front of the statementsand confirmations provided to you. Failure tonotify us or Clearing Firm shall also precludeyou from asserting at any later date that suchtransactions were unauthorized.

You authorize us, at our discretion, from timeto time, to obtain reports and to provideinformation to others concerning your creditstanding and your business conduct. We mayrequest credit-reporting agencies forconsumer reports of your credit history. Uponyour request we will inform you whether wehave obtained any such credit reports and, ifwe have, we will inform you of the name andaddress of the credit-reporting agency thatfurnished the reports. Any negative creditreport reflecting on your credit record may besubmitted to a credit-reporting agency if youfail to fulfill the terms of your creditobligations. Under the Fair Credit ReportingAct, you have the right to notify us if youbelieve we have reported inaccurateinformation about your Account to anyconsumer-reporting agency. Such noticesshould be sent in writing and include yourcomplete name, current address, SocialSecurity number, telephone number, accountnumber, type of account, specific item ordispute, and the reason why you believe theinformation reported is in error. Send yournotice to Introducing Firm.

17. EXTRAORDINARY EVENTS

You understand and agree that we orClearing Firm shall not be liable for any losscaused directly or indirectly by governmentrestrictions, exchange or market rulings,suspension of trading, war, acts of terrorism,strikes, failure of the mails or othercommunication systems, or any otherconditions beyond our control. You furtherunderstand and agree that we or ClearingFirm shall not be responsible for anydamages caused by equipment failure,communications line failure, unauthorizedaccess, theft, systems failure, and otheroccurrences beyond our control.

18. SEVERABILITY

If any condition or provision of thisAgreement shall be held to be invalid orunenforceable by any court or regulatory orself-regulatory agency or body, such invalidityor unenforceability shall attach only to suchcondition or provision. The validity of theremaining provisions and conditions shall notbe affected thereby and this Agreement shallbe carried out as though such invalid orunenforceable condition or provision were notcontained herein.

19. RECORDING CONVERSATIONS ANDMONITORING E-MAIL

You understand, agree, and expresslyconsent to the recording of your telephonecalls with us and monitoring of your electroniccommunications conducted with us.

20. DISCLOSURES TO ISSUERS

Under Rule 14b-1(c) promulgated under theSecurities Exchange Act of 1934, asamended, we are required to disclose to anissuer the name, address, and position of ourcustomers who are beneficial owners of thatissuer's securities unless you object. Unlessyou notify us of such objection in writing, wewill make such disclosures to issuers.

21. WAIVER

Except as specifically permitted in thisAgreement, no provision of this Agreement,can be, nor be deemed to be, waived,altered, modified, or amended unless agreedto in writing signed by an authorized memberof our firm and Clearing Firm.

Our or Clearing Firm's failure to insist at anytime upon strict compliance with any termcontained in this Agreement, or any delay orfailure on our or its part to exercise anypower or right given to us or Clearing Firm inthis Agreement, or a continued course ofsuch conduct on our or its part shall at notime operate as a waiver of such power orright, nor shall any single or partial exercisepreclude any further exercise.

22. SUCCESSORS

You understand and agree that thisAgreement and all its terms shall be bindingon your heirs, executors, administrators,personal representatives, and assigns. ThisAgreement will inure to the benefit of our andClearing Firm's successors, assigns, andagents. We or Clearing Firm may assign therights and duties under this Agreement to anyof our or its subsidiaries or affiliates withoutgiving you notice, or to any other entity upon

Page 6 of 22565924 (Rev 34 - 11/16)

written notice to you.

23. POWER OF ATTORNEY

You agree and hereby irrevocably appoint usand Clearing Firm with full power as your trueand lawful attorney-in-fact, to the full extentpermitted by law, for the purpose of carryingout the provisions of this Agreement andtaking any action and executing anyinstrument that we or Clearing Firm deemnecessary or advisable to accomplish thepurposes of this Agreement.

24. MODIFICATION OF AGREEMENT

You understand and agree that we orClearing Firm may unilaterally change theterms and conditions of this Agreement atany time upon providing notice to you.

25. CHOICE OF LAW

This Agreement shall be deemed to havebeen made in the State of New York andshall be construed, and the rights andliabilities of the parties determined, inaccordance with the laws of the State of NewYork.

26. TERMINATION

You may close your Account at any time byproviding us written notice. This Agreementshall remain in effect until an authorizedperson of our firm acknowledges in writingthe receipt of such written notice, at whichtime you will not be bound for any furthertransaction made for the Account thereafter.However, you will remain responsible for allprior transactions and for all transaction costsassociated with your instructions, includingcommissions and related costs. Provisionsregarding arbitration will survive terminationof this Agreement.

You understand and agree that we orClearing Firm have the right to close yourAccount at any time without prior notice toyou.

27. CONTINUITY OF AGREEMENT

The provisions of this Agreement and theother Account Documents shall becontinuous, shall cover individually andcollectively all accounts which you may openor reopen with us, and shall inure to thebenefit of our present organization, and anysuccessor organization or assigns.

28. CUMULATIVE NATURE OF RIGHTSAND REMEDIES

You understand and agree that all rights andremedies given to us and Clearing Firm inthis Agreement are cumulative and notexclusive of any other rights or remedieswhich we otherwise have.

29. SUB-BROKERS AND AGENTS

You understand and agree that we andClearing Firm may employ sub-brokers orother Agents, as our or its Agents or as yourAgents, in connection with the execution ofany order or the consummation of any othertransaction hereunder, and we and ClearingFirm shall be responsible only for reasonablecare in their selection.

You agree to indemnify and to hold us,

Clearing Firm, or any of our and its affiliates,officers, or directors harmless from any loss,damage, or liability arising out of anytransaction in which we act, directly orindirectly, as your agent, absent any willful orgrossly negligent conduct.

30. NO AGENCY

You understand and agree that IntroducingFirm is not acting as agent of Clearing Firmand you agree that you will in no way holdClearing Firm or any affiliate of Clearing Firmor any officer, director, or agent thereof liablefor any trading losses or other losses incurredby you.

31. RELIANCE ON INSTRUCTIONS OFINTRODUCING FIRM

Clearing Firm may accept from IntroducingFirm without inquiry or investigation, ordersfor the purchase or sale of securities and/orother property on margin or otherwise, andany other instructions concerning theAccount, including, but not limited to,instructions to release your confidentialAccount information or other nonpublicpersonal or financial information to a thirdparty service provider. You agree toindemnify and to hold harmless Clearing Firmor any of its affiliates, officers, or directorsfrom any loss, damage, or liability arising outof, or in any way related to or by reason ofthe release of such personally identifiableinformation to a third party service providerpursuant to good faith reliance on instructionsfrom the Introducing Firm.

32. ASSIGNMENT OF RIGHTS

You understand and agree that any rightseither Introducing Firm or Clearing Firm hasunder this Agreement may be exercised byeither Introducing Firm or Clearing Firm ormay be assigned to the other, including, butnot limited to, the right to collect any debitbalance or other obligations owing in yourAccount, and that Introducing Firm orClearing Firm may collect from you orenforce any other rights under thisAgreement independently or jointly.

33. EFFECT OF ATTACHMENT ORSEQUESTRATION OF ACCOUNTS

You understand and agree that we orClearing Firm shall not be liable for refusingto obey any orders given by or for you withrespect to any Account which is or has beensubject to an attachment or sequestration inany legal proceeding against you, and weand Clearing Firm shall be under noobligation to contest the validity of any suchattachment or sequestration.

34. LIABILITY

You understand and agree that we shall notbe liable in connection with the entering,execution, handling, selling, or purchasing ofsecurities or orders for your Account exceptfor gross negligence or willful misconduct onour part.

35. SINGLE ACCOUNT

All transactions for or in connection with yourAccount shall be deemed to be included in asingle account notwithstanding the fact thatsuch transactions may be segregated on ouror Clearing Firm's records into separate

accounts, either severally or jointly withothers; and at any time and from time to time,at our discretion, we and Clearing Firm maywithout notice to you, apply and/or transferany or all securities and/or other propertybetween any of your Accounts or from any ofyour Accounts to any account guaranteed byyou.

36. HEADINGS

The heading of each section of thisAgreement and the heading contained in theother Account documents are for descriptivepurposes only and shall not be deemed tomodify or qualify any of the rights orobligations set forth in each such document.

37. NO LEGAL OR TAX ADVICE

You understand and agree that we do notprovide any legal or tax advice. With respectto the securities held or formerly held inAccount, or the issuer thereof, which becamethe subject of a legal proceeding, includingbankruptcy, you understand and agree thatwe shall not be obligated to render anyadvice or take any action with respect to suchlegal proceedings.

38. ACCOUNT INSURANCE

Coverage for cash and securities in protectedclient accounts is provided from two sources.The Securities Investor ProtectionCorporation (SIPC) protects up to $500,000,per customer, including $250,000 for claimsfor cash.

Above and beyond SIPC coverage, ClearingFirm maintains additional insurance coveragethrough Lexington Insurance Company("Lexington"), an AIG company. For clientswho have received the full SIPC payout limit,Clearing Firm’s policy with Lexingtonprovides additional coverage above the SIPClimits for any missing securities and cash inclient brokerage accounts up to a ClearingFirm aggregate limit of $1 billion (including upto $1.9 million for cash per client). In otherwords, the aggregate amount of all clientlosses covered under this policy are subjectto a limit of $1 billion, with each clientcovered up to $1.9 million for cash.

For more information on SIPC coverage,please see the explanatory brochure atwww.sipc.org or call 202-371-8300. For moreinformation about Lexington, please visitwww.lexingtoninsurance.com.

Neither coverage protects against lossesfrom any change in the market values ofinvestments.

39. DISCLOSURE OF CREDIT TERMS

Rule 10b-16 of the Securities Exchange Actof 1934 requires a broker who extends creditto a customer in connection with anysecurities transaction to furnish the customerwith information describing the terms,conditions, and methods whereby interestcharges are made to customers' accounts.This disclosure statement is provided to youby Clearing Firm in conformity with that rule.

Cash Accounts. Cash Accounts may besubject, at Clearing Firm's discretion, tointerest on any debit balances resulting fromfailure to make payment in full for securitiespurchased, from failure to timely deliver

Page 7 of 22565924 (Rev 34 - 11/16)

securities sold, from proceeds of sales paidprior to settlement date, or for other chargeswhich may be made to your Account. Youunderstand and agree that the interestcharged shall be determined by the rateapplied on margin accounts.

Margin Accounts. Purchases of securities oncredit, commonly known as marginpurchases, enable you to increase the buyingpower of your equity and thus increase thepotential for profit or loss. A portion of thepurchase price is deposited when buyingsecurities on margin, and Clearing Firmextends credit for the remainder. This loanappears as a debit balance on your monthlystatement. Clearing Firm charges interest forthe extension of credit on your debit balancebased on rates set by Introducing Firm. Youare required to maintain securities, cash, orother property to secure repayment of fundsadvanced and interest due.

You understand and agree that interest willbe charged for any credit extended to you forthe purpose of buying, trading, or carryingany securities, for any cash withdrawalsmade against the collateral of securities, orfor any other extension of credit. When fundsare paid in advance of settlement on the saleof securities, interest will be charged on suchamount from date of payment until settlementdate.

In the event that any other charge is made tothe Account for any reason, interest may becharged on the resulting debit balances. Onlycertain securities, as defined by ClearingFirm, the Federal Reserve, FINRA, orapplicable exchange rules may be purchasedon margin or used as collateral in yourAccount. Whether a purchase may be madeon margin, how much of the purchase pricemust be available in your Account at the timeyou place the order, and your marginmaintenance requirements, are determinedby Clearing Firm, the Federal Reserve,FINRA, or applicable exchange rules.

For Clearing Firm's own protection, youunderstand and agree that Clearing Firmreserves the right, at any time and withoutprior notice you, to impose stricterrequirements than those imposed by theFederal Reserve Board, FINRA, or applicableexchange rules.

You agree to maintain such required marginin your Account and understand that anydebit balances in such Account will becharged interest. All payments received foryour Account including interest, dividends,premiums, principal, or other payments maybe applied by Clearing Firm to any debitbalances in such Account.

You are required to have at least $2,000 inequity in your Account, or such higheramount as required by it, or applicable rulesand regulations, before it will extend credit toyou. Generally, Clearing Firm can loan youno more than 50% of the purchase price ofthe security you are buying on margin.

It is Clearing Firm's general policy to requiremargin account holders to maintain equity intheir accounts of the greater of 30% of thecurrent market value or a minimum per sharevalue for common stock. These minimumsmay fluctuate according to market conditionsas well as size, volatility, andcreditworthiness of specific securities held in

the account. Clearing Firm applies otherstandards for other types of securities. Also,certain securities may be ineligible for margincredit from time to time. For information withrespect to general margin maintenance policyfor municipal bonds, corporate bonds, UnitedStates Treasury notes and bonds, and othersecurities, as well as information about theeligibility of particular securities for margincredit, please contact Clearing Firm or yourregistered representative.

Notwithstanding any of the above generalpolicies, Clearing Firm reserves the right, atits discretion, and without prior notice to you,to require the deposit of additional collateraland to set required margin at a higher orlower amount with respect to particularaccounts, particular securities, classes ofaccounts, or classes of securities as it deemsnecessary. In making these determinations,Clearing Firm may take into considerationvarious factors including, but not limited to,the size of the account, liquidity of a position,price volatility of a security, concentration ofsecurities in an account, or firm-wide or adecline in creditworthiness. If you fail to meeta margin call, some or all of your positionsmay be liquidated.

You are not entitled to prior notice, by way ofmargin call or otherwise, before ClearingFirm sells (or buys in for short positions) anysecurities in your Account when your Accountfails below Clearing Firm's marginmaintenance requirements or under anyother circumstances in which Clearing Firmmay sell securities in your Account or cancelopen orders. In addition, even if we havecontacted you and provided a date by whichyou must deposit additional funds into yourAccount, Clearing Firm may still, at its solediscretion, sell (or buy in for short positions)any securities in your Account or cancel anyopen orders without additional notice. Underany circumstances in which Clearing Firmmay sell securities in your Account, you arenot entitled to choose which securities aresold.

Interest Rates. You understand and agreethat an annual rate of interest will be chargedto the daily adjusted debit balance in yourAccount. The annual rate of interest chargedon net debit balances is computed at a rateselected by Introducing Firm. You furtherunderstand and agree that rates tiers andmethods of calculations may be changedfrom time to time at Clearing Firm's solediscretion with prior notice to you.

For further information regarding interestrates and calculations, please see theStatement of Interest Charges included.

Default Rate of Interest. If you are indefault and until such time as the default iscured, and in substitution for any other rate ofinterest specified in this Agreement, interestmay be charged at the rate of 24% perannum (or the maximum rate permitted byapplicable law) on the debit balance of allmargin accounts which are carried byClearing Firm.

Method of Interest Computation. At theclose of each monthly interest period duringwhich credit was extended to you, theinterest charge is computed by multiplyingthe daily-adjusted debit balance by theapplicable interest rate and by the number ofdays during which a debit balance was

outstanding and then dividing by 360. Shouldthe applicable rate change during the interestperiod, separate computations will be madewith respect to each rate charged for theappropriate number of days during theinterest period. Interest charged is calculatedon a settlement date basis. A divisor of 360days is used in determining the interestcharged.

If not paid, the interest charge for creditextended to your Account at the close of theinterest period is added to the opening debitbalance for the next interest period. With theexception of credit balances resulting fromshort sales, all other credit and debitbalances will be combined and interest willbe charged on the resulting average dailyadjusted debit balances for the interestperiod. If there is a debit in your cash accountand you hold a margin account, interest willbe calculated on the combined debit balanceand charged to the margin account. Anycredit balance as the result of any shortpositions will be disregarded because suchcredit collateralizes the stock borrowed fordelivery against the short sale. Such credit isdisregarded even if you should be long in thesame position in your margin account, that is,short against the box. If the security whichyou sold short (or sold against the box)appreciates in market price over the sellingprice, interest will be charged on theappreciation in value. If the security whichyou sold short depreciates in market price,the interest charged will be reduced since theaverage debit balance will decline. Thispractice is commonly known as"marking-to-the-market." Daily, a closingprice is used to determine any appreciationor depreciation of the security sold short. Ifyour Account is short shares of stock on therecord date of a dividend or other distribution,however such a short position occurs, on thefollowing business day your Account will becharged the amount of the dividend or otherdistribution.

The daily adjusted debit balance in anaccount may be paid in full at any time toavoid further interest charges.

Interest Statements. Within your regularmonthly statement, an interest charge willshow for the interest period. Your monthlystatement will show each transaction on thedate of trade; however, interest as shown onthe interest statement is calculated on asettlement date basis. In order to check thecalculation of interest charged to yourAccount, it may be necessary to refer to bothyour prior and current months' statements.

The monthly interest statement will show: (1)the current selected rate used in thecalculation and any changes in such rateduring the interest period; (2) the daily netbalance of all transactions; (3) any free creditbalance in your cash account (which reducesthe daily net debit balance); (4) anymark-to-the market as a result of a shortposition; (5) the number of days your Accounthad a debit balance; (6) the daily adjusteddebit balance on which interest is charged;(7) the amount of interest; and (8) the totalinterest charge for the period.

Collateral, Lien, and Liquidation. Youunderstand and agree that Clearing Firm mayrequire you to deposit additional collateraland/or may liquidate positions in any Accountcarried by Clearing Firm in which you have

Page 8 of 22565924 (Rev 34 - 11/16)

an interest for any of the following reasons:(1) if your Account, at any time, falls belowClearing Firm's margin maintenancerequirements; (2) if you fail to meet any callfor additional collateral; (3) if you indicate toIntroducing Firm or Clearing Firm that you donot intend to meet a call for additionalcollateral; (4) if you file a petition inbankruptcy or if such a petition is filed againstyou; (5) if you seek or acquiesce to theappointment of a receiver; (6) if anattachment is levied against your Account orany Accounts in which you have an interest;(7) if you die; or (8) any other circumstancewhich in Clearing Firm's opinion warrantssuch action, including, but not limited to,changes in price, trading volume,marginability, or negotiability of yoursecurities and/or other property. You agreethat in any such event, Clearing Firm maysell any and all securities and/or otherproperty in any Account(s) carried byClearing Firm in which you have an interest,whether individually or jointly with others, buyany and all securities and/or other propertywhich may be short in such Account(s), orcancel any open orders and close any or alloutstanding orders or commitments. ClearingFirm may take any of these actions withoutdemand (whether by margin call orotherwise) for funds or additional funds,notice of sale or purchase, or other notice oradvertisement, each of which is expresslywaived by you. You understand and agreethat even if Clearing Firm has contacted youby way of margin call or otherwise andprovided a specified date by which you mustdeposit additional funds into your Account,Clearing Firm may, at its sole discretion, sell(or buy in for short positions) any securities inyour Account or cancel any open orders,without prior notice to you. When we sellsecurities in your Account under anycircumstances, you understand and agreethat Clearing Firm may select the securitiesand that you may not choose which securitiesare sold. In addition, you understand andagree that you are not entitled to anextension of time in order to meet marginrequirements.

Clearing Firm retains a security interest in allsecurities and/or other property held in anyAccount carried by it in which you have aninterest so long as any credit extendedremains outstanding. You agree that you willnot cause or allow any of the collateral heldin your Account to become subject to anyliens, security interests, mortgages, orencumbrances of any nature other than oursecurity interest.

In addition to the foregoing, you authorizeClearing Firm to automatically redeem youravailable money market fund Portfolioshares, if any, to satisfy any debit balance inyour Account or to provide necessary cashcollateral in your margin account.

All securities and/or other property depositedfor the protection of your collateral and/ormargin account may be deposited with TheDepository Trust Company or any otherrecognized clearing Corporation or depositorytrust company, and may be held in streetname and used there by Clearing Firm untilyou shall demand and become entitled todelivery thereof; Clearing Firm shall have areasonable time after such demand fordelivery to ship securities, other property, orcollateral from New York or from any otherplace where they may be to the place where

same are to be delivered to you, and shallonly be required to deliver securities and/orother property of the same kind and characteras originally deposited.

Any prior demand, notice, or advertisementshall not be deemed a waiver of ClearingFirm's right to take these actions withoutdemand, notice, or advertisement. Any suchsales or purchases may be made at ClearingFirm's sole discretion on any exchange orother market where such business is usuallyconducted or a public auction or private sale,and Clearing Firm may be the purchaser orthe sellers for its own account.

Loan or Pledge of Securities. Youauthorize Clearing Firm to lend either to itselfor to others any securities and/or otherproperty, together with all attendant rights ofownership, held by it in your margin account.You acknowledge that in connection withsuch loans, Clearing Firm may receive andretain certain benefits to which you will not beentitled. In certain circumstances, such loansmay limit, in whole or in part, your ability toexercise voting rights of the securities lent.This authorization shall apply to all accountscarried by Clearing Firm for you and shallremain in full force until written notice orrevocation is received by Clearing Firm.Within the limitations imposed by applicablelaws, rules, and regulations, you agree thatall of your securities and/or other propertymay be pledged and repledged andhypothecated and rehypothecated byClearing Firm from time to time withoutnotifying you, either separately or togetherwith other securities and/or other property ofother bona fide customers for any amountdue to it in any Account in which you have aninterest. Clearing Firm may do so withoutretaining in its possession or control fordelivery a like amount of similar securitiesand/or other property. Clearing Firm mayreceive compensation in connection with thelending of customer securities. When yoursecurities are lent, you may receive substituteinterest, dividend, or other payments(“substitute payments”), instead of qualifieddividends, tax exempt interest payments, ortax deferred payments. Because substitutepayments do not maintain theircharacterization as qualified dividends, taxexempt interest payments, or tax deferredpayments, you may be subject to income taxor a higher tax rate as a result of receiving asubstitute payment.

Compounded Interest. You understand andagree that the interest charges imposed onyour Account at the close of one chargeperiod will be compounded, that is, added tothe opening balance for the next chargeperiod unless paid, thereby becoming part ofthe principal amount and bearing like interest. Short Sales. Short sales may only be madein margin accounts and are subject to initialmargin and margin maintenancerequirements. You must designate any shortsale at the time you place the order. In orderto facilitate a short sale, the security that youare selling short must be able to be borrowedto cover the delivery to the purchaser(s). Ifthe stock is recalled by the lender(s) of thesecurities, Clearing Firm will attempt tore-borrow the securities. However, if ClearingFirm is unable to re-borrow the securities, itmay be forced to cover your short position bypurchasing the securities on the open marketat the then current market price without

notice to you. If a short position is closed out,you will be liable for any resulting losses andall associated costs incurred by us.

Restricted Securities. Client will not buysell, or margin (borrow against) any securitiesof a corporation of which Client is a director,executive officer, or 10% stockholder, or areotherwise classified as a control person,insider or affiliate of the issuer, or sell anysecurities that are subject to any restrictionson resale (whether by law, contract or legendon the security) or are not traded on orthrough a national securities exchange,automated quotation system, or othernationally recognized published interdealerquotation system, unless such purchase,sale, or loan has been disclosed in writingand agreed to by Introducing Firm.

40. ABANDONED/DORMANT ACCOUNTS

Your Introducing Firm may impose fees foraccounts that are considered unclaimed,abandoned, or dormant as permitted byapplicable state law. Accounts which arepresumed to be abandoned or unclaimed willbe escheated or delivered to the state inwhich your Account is maintained inaccordance with applicable law.

41. ADDITIONAL TERMS & CONDITIONSFOR MUNICIPAL ENTITIES ANDMUNICIPAL OBLIGATED PERSONS

This section applies to accounts that arebeneficially owned by a Municipal Entity ormunicipal Obligated Person, as those termsare defined by Section 15B of the Securitiesand Exchange Act of 1934 (the "MunicipalAdvisor Rule"). You agree that none of thefunds that are invested in or through thisAccount, or that are sought for investment inthis Account, constitute either Proceeds ofMunicipal Securities or Municipal EscrowInvestments (both defined below).Furthermore, you agree to notify yourfinancial professional before placing eitherProceeds of Municipal Securities or MunicipalEscrow Investments into the Account. Finally,the Undersigned represents that he/she is anofficial of the Municipal Entity or ObligatedPerson and is sufficiently knowledgeable asto the financial affairs of the Municipal Entityor Obligated Person to make therepresentations contained herein. For thepurposes of this Agreement, the term"Proceeds of Municipal Securities" meansmonies derived by a municipal entity from theprimary offering of municipal securities,investment income derived from theinvestment or reinvestment of such monies,and any monies of a municipal entity orobligated person held in funds under legaldocuments for the municipal securities thatare reasonably expected to be used assecurity or a source of payment for thepayment of the debt service on the municipalsecurities, including reserves, sinking funds,and pledged funds created for such purpose,and the investment income derived from theinvestment or reinvestment of monies in suchfunds. The term "Municipal EscrowInvestments" means proceeds of municipalsecurities and any other funds of a municipalentity or obligated person that are depositedin an escrow account to pay the principal of,premium, if any, and interest on one or moreissues of municipal securities.

Account Disclosures

Page 9 of 22565924 (Rev 34 - 11/16)

1. AUTOMATED DEPOSITS, PAYMENTS,AND TRANSFERS

You may arrange for direct deposits to bemade to, automated payments to be madefrom, and funds to be transferred between,your Accounts with us. We use the terms"automated credits" or "direct deposits" toindicate deposits made directly to yourAccount by electronic means; the terms"automated debits" or "automated payments"to indicate payments authorized in writing tobe made from your Account by electronicmeans; and the term "telephone transfer" toindicate movement of funds between yourauthorized Accounts by use of a touch-tonetelephone and personalized access codes.

Your acceptance of direct deposits,authorization of automated payments, ortelephone transfer to or from your Account, isyour agreement to the terms and conditionsof this Agreement.

Any electronic fund transfer ("Transfer") thatyou make in connection with your Account,including, but without limitation, automaticdeposits and payments, but excludingtransactions with a bank card, will begoverned by the following terms andconditions. These terms and conditions alsoserve as the disclosure required by theElectronic Fund Transfer Act and RegulationE in connection with Transfers.

a. Your Liability for UnauthorizedTransfers

You could lose the entire value, includingyour available margin, of your Accountthrough any unauthorized Transfer.Therefore, you should notify us or FirstClearing* ("Clearing Firm") at once if youbelieve a Transfer has occurred in youraccount without your permission. Notifying usor Clearing Firm as soon as possible bytelephone could minimize your possiblelosses. If you notify us or Clearing Firm withintwo (2) business days after you learn of theunauthorized Transfer, you can lose no morethan $50.00. If you do not notify us orClearing Firm within two (2) business daysafter you learn of the unauthorized Transfer,and we can prove that you could havestopped someone from making theunauthorized Transfer if you had notified usor Clearing Firm, then you can lose as muchas $500.00. Should your Account Statementshow any Transfer that you did not authorize,please notify us or Clearing Firm at once. Ifyou do not notify us or Clearing Firm withinsixty (60) days after the Account Statementwas mailed, you may not get back anymoney you lost after the sixty (60) days if wecan prove that we could have stopped theunauthorized Transfer if you had notified usor Clearing Firm in time. If a good reason(such as a long trip or hospital stay) keepsyou from notifying us or Clearing Firm, thetime periods above may be extended. If yourAccount is an institutional (Corporation,Non-Profit Organization, Non-CorporateOrganizations, Partnerships, Estates,Pension and Profit Sharing Plans (notincluding IRAs and Employee StockOwnership Plans) and other Trusts) account,

you are liable for all unauthorized Transfersup to the time at which you notify us orClearing Firm.

b. Telephone Number for Notification inthe Event of Unauthorized Transfers

If you believe that an unauthorized Transferhas occurred in your Account, call yourFinancial Advisor immediately or notifyClearing Firm at the following telephonenumber: 866-786-4879.

c. Business Days

Our business days are Monday throughFriday, except holidays observed by the NewYork Stock Exchange.

d. Types of Electronic Funds TransfersAvailable

You may arrange with another party, such asyour employer or a government agency, toelectronically transfer deposits directly to yourauthorized Account on a regular basis. Youmay authorize another party, such as aninsurance company or mortgage company, tohave payments transferred from yourAccount and sent directly to them on aregular basis. You may also direct funds tobe transferred from one of your authorizedaccounts to another by use of a touch-tonetelephone and personalized access codes(where available). In addition to the types oftransfers listed above, Clearing Firmperiodically introduces new methods bywhich you may make funds transfers, such asby personal computer and or wirelessdevices. If the combined value of yourAccount is adequate, you may make anynumber and amount of transfers. At present,there is no minimum amount required forautomatic debits. The availability ofautomatic debits to your Account will belimited to free credit and money marketbalances less funds needed to pay for anyopen orders and any uncleared deposits. Anyloan value available to you on marginablesecurities, if your Account is a marginaccount, will not be available for the purposeof making automated transfers.

e. Fees

There are currently no fees charged forautomated transfers.

f. Right to Receive Documentation ofTransfers

If you arrange to have direct deposits madeto your Account at least once every sixty (60)days from the same person or company, youcan call your Financial Advisor to verify suchdeposits. In addition, you will receive aperiodic account statement (in accordancewith Section 16 of the Client Agreement) thatwill show all activity in your Account,including any Transfer.

g. Stop Payment Procedures andLiability

If you have instructed us or Clearing Firm tomake regular payments out of your Account,

you can stop such payments by calling us orClearing Firm at the telephone numbershown in Section 1(b) above in time for us orClearing Firm to receive your request three(3) business days or more before thepayment is scheduled to be made. If aregular payment will vary in amount, thepayee needs to tell you how much thepayment will be at least ten (10) days prior towhen it is due. If you instruct us or ClearingFirm to stop one of these payments three (3)business days or more before the Transfer isscheduled, and we or Clearing Firm do notdo so, we or Clearing Firm will be liable foryour losses or damages. These stop paymentprocedures apply to institutional accounts (asdefined in Section 1(a) above) as well.However, in no event will we or Clearing Firmguarantee the effectuation of, or be liable for,any stop payment request from aninstitutional account. You agree (if aninstitution) to hold us and Clearing Firmharmless for the amount(s) of any stoppayment order(s) entered by you or on yourbehalf, and for all costs and expenses(including attorneys' fees) incurred by reasonof the refusal to honor said payments, andyou further agree that if, contrary to such stoppayment order(s), payment is neverthelessinadvertently made through accident oroversight, we and Clearing Firm shall not beliable. This provision shall survive thetermination of your Account.

Please note that stop payment orders will notappear on your periodic Account statement.

h. Error Resolution Procedures

In case of errors or questions about yourtransfers, please telephone us or ClearingFirm at the telephone number listed inSection 1(b) above as soon as you can if youthink your Account statement is wrong, or ifyou need more information about a Transferlisted on the Account statement. We orClearing Firm must hear from you no laterthan sixty (60) days after we send you thefirst statement on which the problem or errorappears is sent.

When you call, please: (1) state your nameand account number; (2) describe the error orTransfer you are unsure about, and explainas clearly as you can why you believe it is inerror or why you need more information; and(3) state the dollar amount of the suspectederror. We or Clearing Firm will tell you theresults of our investigation within twenty (20)business days after we or Clearing Firmhears from you and correct any error(s)promptly. It may take up to ninety (90) daysto investigate your question. In the event ofsuch an extension, your Account willprovisionally credited within twenty (20)business days for the amount you think is inerror so that you will have the use of themoney during the time it takes to completethe investigation. If we or Clearing Firm asksyou to put your question in writing and it isnot received within twenty (20) businessdays, your Account may not be provisionallycredited. If no error is found, a writtenexplanation will be sent to you within three(3) business days after completion of theinvestigation. You may ask for copies of the

*Account(s) carried by First Clearing. First Clearing is a trade name used by Wells Fargo Clearing Services, LLC, a registered broker-dealer andnon-bank affiliate of Wells Fargo & Company.

Page 10 of 22565924 (Rev 34 - 11/16)

documents that were used in theinvestigation.

For any Transfer occurring outside the UnitedStates, within ten (10) business days after weor Clearing Firm receive notice of an allegederror the claim will either be resolved or yourAccount will be provisionally credited whilethe claim is being investigated. It may takeup to ninety (90) days to investigate the matter.

2. WIRE AND AUTOMATED CLEARINGHOUSE TRANSFERS

a. Governing Rules

From time to time, you may be a party to anautomated clearing house ("ACH") entry of awire transfer that may be credited or debitedagainst your Account. You agree that all wiretransfers you initiate will be subject to theterms and conditions of the wire transferagreement then in effect with respect to thetype of transfer initiated. With respect to ACHtransactions which you have authorized, youagree to be bound by the National AutomatedClearing House Association ("NACHA")operating rules and any local ACH operatingrules then in effect. With respect to otherelectronic funds transfers, you agree to bebound by any rules then in effect governingthe use of any system through which thefunds may be transmitted including, but notlimited to, Federal Reserve Board RegulationJ with regard to Fedwire and the ClearingHouse Interbank Payments System("CHIPS") operating rules with regard toCHIPS.

b. Notice

You will be notified of the receipt of any ACHentry or wire transfer in your periodic Accountstatement, but next-day or other notice willnot be provided. If you believe a transfer hasnot been properly credited to you, you agreeto promptly notify your Financial Advisorimmediately.

c. Final Payment

Any credit resulting from an ACH credit orother wire transfer is provisional until finalpayment is received by Clearing Firm. Weand Clearing Firm reserve the right to delayor prevent withdrawal of said funds pendingverification of final payment. If final paymentis not received, or if your Account wascredited by mistake, you agree that the creditto your Account may be reversed or that youwill otherwise reimburse us or Clearing Firmif funds in your Account are not sufficient. Inthe event that the payment does not becomefinal, the originator will not be deemed tohave paid you the amount of the credit.

d. Compensation

If you are entitled to compensation for anydelay or improper completion of an ACH wiretransfer as a result of an error by us orClearing Firm, our or its liability will be limitedto the payment of interest for a period notexceeding the lesser of sixty (60) days or theperiod between the date of the error and thedate of the correction. Any suchcompensation will be paid at our or ClearingFirm's discretion by either (1) adjusting yourAccount balance to reflect the averagebalances you would have had but for theerror, or (2) direct payment of cash in an

amount equal to interest at the averageapplicable federal funds rate for that period.

e. Account Numbers

You agree that payment for ACH or wirecredit transfers may be made solely byreference to the Account number of therecipient. Clearing Firm is not obligated todetermine whether a discrepancy existsbetween the name and the Account numbershown on the transfer information.

3. PAYMENT FOR ORDER FLOW

Securities which are traded in your accountmay be executed in more than onemarketplace. Consistent with the principles ofbest execution and applicable regulatoryrequirements, you agree that we may use ourdiscretion in selecting the routing destination.We receive payment for order flow fromsome market centers where your orders maybe routed.

We route customer orders forover-the-counter and listed equity securitiesto selected market makers and exchanges forexecution. We consider a number of factorswhen determining where to send customerorders including execution speed, priceimprovement opportunities, the availability ofefficient and reliable order handling systems,the level of service provided, and the cost ofexecuting orders. We regularly reviewtransactions for quality of execution,generally by measuring execution pricesversus the relevant national best bid andoffer.

We do not receive payment for order flow forrouting market and marketable limit orders.We do receive payment for order flow in theform of rebate payments up to $0.0034 pershare for routing non-marketable limit ordersthat are subsequently executed (orders that"make" liquidity). Typically, orders that wereceive from our customers are either marketorders or limit orders. A market orderspecifies no particular price and instructs usto execute the order immediately at the bestavailable price. A limit order is an order tobuy or sell at a specific price, or better. A limitorder that is immediately executable (i.e.,in-line with the current market price) ishandled as a marketable limit order. Weroute most of our market and marketable limitorders in over-the-counter and listed equitysecurities to selected broker-dealers that actas market maker to execute our orders, andwe attempt to systematically route a greaternumber of these orders to market centersthat consistently execute orders at pricessuperior to the national best bid or offer, withimprovement amounts greater than thatavailable at competing venues.Non-marketable limit orders are generally noteligible for price improvement opportunities,and we therefore attempt to systematicallyroute these orders to exchanges andbroker-dealers based on the likelihood ofthese orders being executed. We mayreceive payments from a market center forrouting non-marketable limit orders, but thesepayments are only a factor when all otherbest execution factors are comparable.

We route customer option orders to selectedbroker-dealers' smart routers and optionexchanges for execution. In the event wereceive compensation for directing orders tospecific market centers for execution, such

compensation may include cash payments aswell as noncash items, such as discounts,rebates, reductions, or credits against feesthat would otherwise be payable in full. Weconsider a number of factors whendetermining where to send customer orders,including, but not limited to, priceimprovement opportunities, the availability ofefficient and reliable order handling systems,the level of service provided, and the cost ofexecuting orders. We regularly reviewtransactions for quality and execution. Thesource and amount of any compensationreceived in connection with your transactionswill be disclosed upon written request.Please contact your financial advisor forfurther information.

4. BUSINESS CONTINUITY

The following information concerns FirstClearing's efforts to ensure that impact toyour business is minimized as in the event ofan emergency or disaster.

Securities Industry regulations require eachmember firm to create and maintain abusiness continuity plan reasonably designedto meet its obligations to its clients or othercounter-parties. In accordance with theserequirements, First Clearing has designed abusiness continuity plan to address possiblescenarios in efforts to minimize any serviceimpact to our introducing firms or their clients.

In keeping with the regulatory requirements,the business continuity plan for First Clearingis designed to address key areas of concern,including, but not limited to, the following:

•• • •

•

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• • •

Since events creating business disruptionsmay vary in nature and scope, First Clearinghas anticipated scenarios in which thefollowing are affected:

• A primary First Clearing building at itsheadquarters location

• A First Clearing branch location• A citywide area• A regional area

Regardless of the scope of potentialdisruption, First Clearing intends to continueto provide service to its introducing firms andtheir clients. In the event where a primarybuilding or business district is affected, thefirm is fortunate to have a divided corporatepresence in the Richmond, Va. and St. Louis,Mo. areas. The facilities in both areas arealso served by UPS systems and have24-hour security services. Should one of the

Data backup and recovery;Mission critical systems;Financial and operational assessments;Alternate means of communicationbetween First Clearing and itscustomers;Alternate means of communicationbetween First Clearing and itsemployees;Alternate physical locations ofemployees; Critical business constituent, bank andcounter-party impact; Regulatory reporting; Communications with regulators; and How First Clearing will ensure thatcustomers have access to their fundsand securities in the event First Clearingdetermines it is unable to continue itsbusiness.

Page 11 of 22565924 (Rev 34 - 11/16)

primary buildings in Richmond or St. Louis beaffected by a disruption, alternate facilitiesexist in each area that can be used to helprestore operations.

In the unlikely event of a citywide or regionaldisruption, First Clearing has establishedrecovery sites approximately 150 miles fromthe Richmond area and 28 miles from its St.Louis headquarters that can be used torestore time sensitive functions as soon askey employees are relocated to the facility.

Additionally, as a subsidiary of Wells Fargo &Company, First Clearing would intend to takeadvantage of any available facilities of otherWells Fargo & Company affiliates that maybe located in other geographic regions. In theevent that any such disruption occurs, wehave developed alternative servicearrangements, systems, locations, andcontingency plans to ensure that any serviceaffected is quickly restored.

First Clearing has identified several computerapplications with Mission Critical or Highcriticality ratings and has documented thiswithin the business continuity plans. Ourprimary application provider, ThomsonTransaction Services, Inc., has conductedsuccessful testing with First Clearing,generally two times per year since November2000. Finally, through its parent company,First Clearing utilizes data centers, located inother states, which regularly perform disasterrecovery testing.

At a minimum, the First Clearing businesscontinuity plan is reviewed, updated, andtested on an annual basis. Additionally, ourprimary internal and external applicationproviders periodically conduct testing of theirown back-up capabilities to ensure that, inthe event of an emergency or significantbusiness disruption, they will be able toprovide us with the critical information andapplications we need to continue or promptlyresume our business. When testing our plan,we review the recovery time and resumptiontime period for all mission critical systems.

Making sure that any type of disruption doesnot unduly impact our introducing firms ortheir clients is extremely important to us, andour business continuity plan is designed toallow us to continue to provide the qualityservice you have come to expect from FirstClearing.

Advantage Account Terms & Conditions, FCCS (591436)goes here.

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Advantage AccountsTerms and Conditions

I. INTRODUCTION ANDDEFINITIONS

The Advantage Basic Account is anintegrated group of financial servicesconsisting of your Brokerage Account, a cashsweep program, and check writing features.The Advantage Account includes all featuresof the Advantage Basic Account, plus a Visadebit card ("Debit Card"). For purposes ofthis document, "Advantage Account" or"Account" refers to either or both AdvantageBasic and Advantage Accounts. TheseTerms and Conditions constitute yourAdvantage Agreement ("Agreement")governing your Account. If any provision ofthis Agreement conflicts or is inconsistentwith any provision in your General or BasicBrokerage Account Agreement andDisclosure, the provisions of this Agreementshall control with respect to matters orservices related to the Advantage Account.

As part of your Advantage Account, you havecheck writing privileges that allow you andauthorized signers to write AdvantageChecks. As used in this Agreement,"Advantage Check" means a payable throughdraft that is similar in appearance to atraditional check, but is written against andprocessed from your Advantage Account.

You may also apply for a Visa Debit Cardissued by Wells Fargo Bank, N.A. ("WellsFargo") and linked to your Account. Foradditional terms and conditions, please referto terms contained with your Debit Card. Ifany provision of this Agreement conflicts or isinconsistent with any provision of the DebitCard terms, the provisions of the Debit Cardterms shall control with respect to the DebitCard.

You understand that you must maintain therequired minimum investment forparticipation in your Account in cash orunencumbered marginable securities. Certainrestrictions apply to the use of margin.

The Account may be terminated at any timeby either you or us independently of theGeneral or Basic Brokerage AccountAgreement and Disclosure. All Accounttransactions are subject to approval by us,our agents, and/or Affiliates. If we, includingour agents or Affiliates, suspect that irregular,unauthorized, or unlawful activities may beinvolved with your Advantage Account oryour Brokerage Account, each mayrespectively freeze (or place a hold on) thebalance in the Account (and in otheraccounts you maintain with them) pending aninvestigation of such suspected activities. Inaddition to this Agreement, the Account issubject to our policies and procedures,including our agents' and Affiliates' policiesand procedures, which may be amendedfrom time to time.

The terms "we," "us," "our," and "ours" referto Introducing Firm, Clearing Agent, and ouragents and Affiliates (as defined in your

General or Basic Brokerage AccountAgreement and Disclosure).

The terms "Client," "Account Holder," and"you," "your," and "yours" refer to theperson(s) who signs the Signature Page andenter(s) into this Agreement.

II. AUTHORIZED SIGNERS ANDDEBIT CARDHOLDERS; CHANGE OFSTATUS

We may honor Advantage Checks drawn byauthorized signer(s) and/or transactioninitiated by additional Debit Cardholders,subject to this Advantage Agreement. Youwill be responsible for all Advantage Checktransactions made by any authorized personand for all Debit Card transactions made byany person you have permitted to use yourDebit Card, Debit Card number, or personalidentification number ("PIN"), even if theactual use exceeds your authorization orpermission.

We may treat any signature on an AdvantageCheck as the signature of the indicatedperson when in our discretion the signaturefor the Advantage Account resembles thesignature of the indicated person on thecheck, regardless of the means by which theactual or purported signature may have beenaffixed on the Advantage Check. We may notpay and may return any Advantage Checkwhen, at our discretion, the signature for theAdvantage Account does not resemble thesignature of the indicated person on theAdvantage Check, or a required signer'ssignature does not appear on the AdvantageCheck.

You agree to notify us immediately regardingthe change in status (such as divorce, death,or court-declared incompetency) of anyperson(s) with Advantage Check signatoryauthority or Debit Card cardholder(s) on yourAdvantage Account. We may continue tohonor Advantage Checks, Debit Cardtransactions, and other instructions byauthorized signers and/or cardholders onyour Advantage Account until you provide uswritten notice to the contrary and we havehad a reasonable opportunity to act on suchnotice.

If you have authorized a person to regularlydebit your Account, and the amounts mayvary, the person you are going to pay isrequired to tell you at least 10 days beforeeach debit, when it will be made and howmuch it will be. You may authorize amerchant or other payee to make a one-timeelectronic payment from your Account usinginformation from your Advantage Check to (i)pay for purchases, or (ii) pay bills. To theextent that you use a rubber stamp, facsimilesignature device or other device to signAdvantage Checks ("facsimile signature"),you acknowledge that we may treat anyfacsimile signature as the signature of theindicated person, regardless of by whom orby what means the actual or purported

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facsimile signature may have been affixed.You shall maintain adequate controls overany equipment that may be used to generatefacsimile signatures, and you agree toindemnify, defend and hold us and ourrespective officers, directors, employees, andagents harmless from all costs, actions,damages, claims, and demands related to orarising from any unauthorized facsimilesignature or the unauthorized use of suchequipment.

III. CASH SWEEP PROGRAM

Under the Cash Sweep Program ("SweepProgram"), cash balances in your AdvantageAccount are automatically swept into yourselected sweep option. The Sweep Programis described more fully in the Cash SweepProgram Disclosure Statement, which youwill receive with your General or BasicBrokerage Account Agreement andDisclosure. You should read this carefully.

You authorize and direct us to automaticallywithdraw cash from your Advantage Accountwhen needed to satisfy a debit balance orany other obligation to us in connection withyour Advantage Account. If we fail to depositbalances according to this AdvantageAgreement, our liability will be limited to theactual amount of the interest you would haveearned had the balance been deposited intothe Sweep Program.

IV. AUTHORIZATION LIMIT

Your Authorization Limit equals the total of (i)any available free credit balances in theBrokerage Account; (ii) the available value ofthe Sweep Program; and (iii) the availablemargin loan value of eligible securities in theBrokerage Account, if you have a marginaccount. The loan value of eligible securitiesis subject to regulatory requirements and ourmargin policies then in effect, which may bemore stringent than those required bygovernment regulation. Since yourAuthorization Limit is dependent uponsecurities prices as well as changes in thedebit balance in the Brokerage Account andany transactions, it will likely fluctuate fromday to day.

a. AdjustmentsYour Authorization Limit is adjusted when anAdvantage Check is presented or when weare notified that the Debit Card has beenused, not when the transactions settle. Wereserve the right at our sole discretion andwithout notice to you to change the manner inwhich the Authorization Limit is calculated.

Your Authorization Limit may be re-calculatedthroughout the day, and can vary due tofactors such as debits or credits of cash orcash instruments to your Account and thetime required to transmit and confirm databetween financial institutions.

We generally make payment on your behalfto the extent that there are sufficient funds:

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first, from the available free credit balance,held in the Brokerage Account; second, fromyour Sweep Program balances, which we arehereby authorized to redeem to pay suchcharges; and third, should such sourcesprove insufficient, and if you have a marginaccount, from margin loans made by us foryour Account. If funds are insufficient, youremain fully responsible for payment.

You agree to have sufficient funds in theAccount on the day notification ofpresentment for payment of an AdvantageCheck is received, as well as when you useyour Debit Card. Debits to your Accountgenerally will be satisfied at any time duringthe day at our sole discretion in the followingorder of priority: (i) securities transactions,including margin maintenance calls and fees;(ii) Debit Card transactions; (iii) otherelectronic funds transfers; and (iv) AdvantageCheck transactions. However, you authorizeus to debit your Account for thesetransactions in any order convenient to us atour sole discretion.

b. Restrictions and Overdraft ProtectionWe may put a hold on funds in your Accountor otherwise restrict withdrawals or transfersfrom the Account to an amount that is lowerthan the Authorization Limit. We reserve theright to reject any Debit Card transaction orAdvantage Check for any reason, unlessprohibited by law, including without limitationbecause of an insufficient Authorization Limit,and you will be solely liable for anyconsequences of the rejected transaction.

Overdraft protection is not available for yourAccount. It is important to keep track of thebalances in your Account before you makepurchases, withdrawals, write checks, orinitiate other transactions. In the event,however, that an Advantage Check ispresented for an amount in excess of yourfree credit balance and Sweep Program andyou have a sufficient margin loan value inyour Brokerage Account to cover it, we willuse this source to loan you the money. Youauthorize us to advance the amount of suchtransaction(s) from the available margin loanvalue of your Brokerage Account, if any.Certain fees may also apply. If your Accountends with a debit balance (such as when amerchant submits a transaction for paymentwithout requesting authorization from us),you are responsible for and must immediatelyrepay the amount of any debit balance andany interest as indicated in the Cash Accountand Margin Account sections of your Generalor Basic Brokerage Account Agreement andDisclosure.

If your Authorization Limit is insufficient at thetime an Advantage Check or Debit Cardtransaction or electronic fund transfer ispresented for payment, the Advantage Checkmay be returned or that transaction rejectedwithout payment. In some cases, we may paythe Advantage Check or Debit Cardtransaction, causing a negative balance inyour Account. However, we are not obligatedto make any such payment.

V. AUTHORIZATION TO CHARGEADVANTAGE ACCOUNT;RESTRICTED ACCOUNTS

You authorize us to charge your AdvantageAccount for the amount of your Advantage

your Account statement.

You or any authorized signer must supply thefollowing information to us as a condition ofaccepting a stop payment order: (i) accountnumber; (ii) date on the Advantage Check;(iii) Advantage Check number; (iv) exactamount (dollars and cents) of the AdvantageCheck; (v) the name of payee; (vi)information that we may require to verify youridentity; and (vii) other information we mayreasonably require. If any of the requiredinformation is not provided or is incorrect, wewill not be responsible for failing to effectuatethe stop payment order.

In order to be effective, a stop payment ordermust be received in a time and manner thatgives us a reasonable opportunity to verifythat the Advantage Check is unpaid and toact on the request. To stop payment on anAdvantage Check, you or an authorizedsigner must call your financial professional orthe service telephone number on yourAccount statement. We may require a stoppayment order to be confirmed in writingwithin 14 days after a call placing a stoppayment order is received. A stop paymentorder cannot be acted on once we have paid,certified, or accepted the Advantage Check.Each stop payment order will remain in effectfor six (6) months but will not beautomatically renewed. If the AdvantageCheck is still outstanding after that time, youmay request another stop payment order forthe fee specified in the fee scheduleapplicable to your Advantage Account. Youagree that if a stop payment order is notrenewed in writing, we may, at our solediscretion, return or pay an Advantage Checkpresented after the expiration of the order.You agree that stop payments on AdvantageChecks may also be placed by us due tolegal process matters or to effectuate otherprovisions of this Advantage Agreement.

You agree to indemnify, defend, and hold us,including our agents, Affiliates and theirrespective officers, directors, and employeesharmless from all costs, actions, damages,claims liability, and demands related to orarising from actions or omissions involving astop payment on an Advantage Check basedon the information you provided. In no eventshall the above identified parties be liable forspecial, consequential, or compensatorydamages, including loss of profits and/oropportunity, or for attorneys’ fees incurred byyou, due to acting or failing to act, upon astop payment order or placing a stoppayment upon an Advantage Check.

VII.OPTIONAL VISA DEBIT CARDFEATURES

You may elect to receive a Visa Debit Card("Debit Card") issued by Wells Fargo that willenable you to access your Account’sAuthorization Limit worldwide 24 hours a day.Wells Fargo currently utilizes a third partyagent for issuance and various administrativeprocessing of the Debit Card. With the DebitCard, you may conduct transactions up toyour Authorization Limit, subject to yourcertain daily dollar limitations. The Debit Cardis an optional service, and unless you requestthe Debit Card, no Debit Card(s) will be sentto you. The Debit Card is not a credit card;Debit Card transactions are debited directlyagainst your Advantage Account.

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Checks, Debit Card transactions, ATMwithdrawals, and electronic fund transfers. Ifthere is more than one Account Holder, youauthorize us to pay funds on the authority ofonly one Account Holder’s signature. Youagree to be responsible for all Debit Cardtransactions you authorize or from which youreceive any benefit. If you permit or authorizeany other person to use your Debit Card andPIN, you will be liable for all resultingtransactions initiated by that person.

Advantage Accounts collateralized forsecurity-backed loans and certain fee-basedinvestment programs may be restricted fromcheck writing, Debit Card transactions, andother withdrawals.

VI. CHECK WRITING PRIVILEGES

Check writing is available in your AdvantageAccount based on your Authorization Limit.Currently, we utilize a third-party checkprocessing service, which may or may not bean Affiliate, for Advantage check writing.

You may write Advantage Checks for anyamount in U.S. dollars, subject to yourAuthorization Limit, however, AdvantageChecks may not be used to purchasesecurities, including shares of money marketmutual funds for this Account.

You understand and agree that we will not beliable for paying an Advantage Check prior tothe date shown on the face of the AdvantageCheck, even if such payment results in anegative Advantage Account balance. Youmay ask us not to pay a posted AdvantageCheck before its date if the Advantage Checkhas not already been paid. To do so, youmust give us a stop payment order. If youthen wish the Advantage Check to bepayable as of the date on the AdvantageCheck, you must cancel the stop paymentorder on that date in a time and manner thatgives us and our agents a reasonableopportunity to act on it. You understand andagree that we may charge your AdvantageAccount based on the original terms of analtered Advantage Check or on the terms ofan altered Advantage Check or on the termsof the completed Advantage Check, eventhough we know the Advantage Check hasbeen completed, unless we have beennotified that the completion was improper.You understand and agree that we may payor refuse to pay, at our sole discretion, anAdvantage Check that is presented forpayment more than six (6) months from thedate shown on the face of the AdvantageCheck.

Either party may cancel the Account at anytime, with or without cause. Should theAccount terminate, you must destroy yourunused Advantage Checks.

If any of your Advantage Checks are lost orstolen, you must report the loss immediatelyby calling (866) 786-4879 or the numberlisted on your Advantage Account statement.

a. Stop PaymentsYou and any other authorized signer maymake a stop payment order on an AdvantageCheck by calling your financial professional.You agree that we are authorized to accept astop payment order. Certain fees may apply,and stop payment orders do not appear on

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All Debit Cards remain our, our agents', andAffiliates’ property, and each of us maycancel or repossess them at any time, with orwithout cause. If cancelled, you must destroyall Debit Cards issued to you. When yourAdvantage Account is closed or youterminate any of the services providedherein, you must promptly destroy your DebitCard(s). In addition, in the case oftermination, all items posted to the DebitCard will be debited from the Account.

a. Daily Limits of Debit CardTransactionsThe Debit Card may be used to makepurchases of merchandise or services at Visaparticipating establishments or to obtain cashadvances from any Visa participating bank orbranches. Daily limits are provided with yourDebit Card, including limitations on thetransaction amounts and number oftransactions which may be conducted daily.Limits may vary. Please contact yourfinancial professional or call (866) 786-4879for more information.

b. Debit Card ActivationIssuance of a Debit Card is subject toacceptance. Should your agreement beaccepted, you will receive a Debit Card andPIN issued to you, alone.

You cannot use the Debit Card until you haveactivated it by calling the toll free activationnumber provided to you. If you do not want touse the Debit Card, destroy it by cutting it inhalf immediately.

We reserve the right not to issue a DebitCard and may terminate these privileges withor without cause or notice unless otherwiserequired by law.

c. Foreign Currency Purchases andAdvancesDebit Card transactions incurred in a foreigncurrency will be converted by Visa into a U.S.dollar amount in accordance with Visa’scurrency conversion procedures in effect atthe time of the processing of the transaction.Currently, the currency conversion rate usedis either a government-mandated rate ineffect for the applicable central processingdate or a wholesale currency market in effectfor the applicable central processing date,plus the international purchase transactionfee. The conversion rate may vary on theprocessing day from that in effect when thetransaction is made.

VIII. ACCOUNT STATEMENT

You will be provided with a periodic Accountstatement for your Advantage Account. Youacknowledge and agree that you will not beprovided the Advantage Checks images orcopies of Advantage Checks you have drawnthat have been paid. You agree andrepresent that you will examine your periodicstatements promptly upon receipt. You mustreport any errors or inaccuracies (other thanerrors or inaccuracies with Debit Card orTransfers) no later than 10 calendar daysafter receipt of the periodic statement.Inquiries concerning the balance andpositions in your Account should be directedto: First Clearing Client Services, One NorthJefferson Ave., St. Louis, Mo. 63103. Allother inquiries and notices of inaccuraciesconcerning your Account and its activities

should be directed in writing to your financialprofessional.

If you fail to notify us of any error orirregularities within 10 calendar days ofreceipt, you agree that we may assume thatthe periodic statement is correct, and youwaive any right to raise any such error orirregularity after the expiration of the 10calendar day period and we, including ourAffiliates and agents, will be released from allliability for the charges and for all othertransactions or matters covered by theirrespective periodic statements. Forinformation about electronic fund transfererrors or inaccuracies relating to theAdvantage Account, refer to the "ElectronicFunds, Automated Deposits and Transfer"section of this Agreement. For informationabout electronic fund transfer errors orinaccuracies relating to the Debit Card, referto the additional terms contained with yourDebit Card.

IX. ELECTRONIC FUNDS,AUTOMATED DEPOSITS,PAYMENTS, AND TRANSFERS

a. GeneralYou may arrange for direct deposits to bemade to, automated payments to be madefrom, and funds to be transferred betweenyour accounts with us. We use the terms"automated credits" or "direct deposits" toindicate deposits made directly to yourAccount by electronic means; and the terms"automated debits" or "automated payments"to indicate payments authorized in writing tobe made from your Account by electronicmeans.

Your acceptance of direct deposits,authorization of automated payments to orfrom your Account, is your agreement to theterms and conditions of this AdvantageAgreement.

Any electronic funds transfer ("Transfer") thatyou make in connection with your AdvantageAccount, including, but without limitation,automatic deposits and payments will begoverned by the following terms andconditions. The terms and conditions alsoserve as disclosure required by the ElectronicFund Transfer Act and Regulation E inconnection with Transfers.

b. Your Liability for UnauthorizedTransfersYou could lose the entire value of yourAccount through any unauthorized Transfer.Therefore, you should notify us at once if youbelieve a Transfer has occurred in yourAccount without your permission. Notifying usas soon as possible by telephone couldminimize your possible losses. If you notifyus within two (2) days after you learn of theunauthorized Transfer, you can lose thelesser of $50.00 or the amount of theunauthorized Transfers. If you do not notifyus within two (2) Business Days after youlearn of the unauthorized Transfer, and wecan prove that we could have stoppedsomeone from making the unauthorizedTransfer if you had notified us, then you canlose the lesser of $500.00 or the sum of (i)$50.00 or the amount of the unauthorizedTransfers that occur within the two (2)Business Days; and (ii) the amount ofunauthorized Transfers that occur after the

close of two (2) Business Days and beforenotice to us, provided we establish that theseunauthorized Transfers would not haveoccurred had you notified us within thattwo-day period. Should your AdvantageAccount statement show any Transfer thatyou did not authorize, please notify us atonce. If you do not notify us within 60 daysafter the Account statement was mailed, youmay not get back any money you lost afterthe 60 days if we can prove that we couldhave stopped the unauthorized Transfer ifyou had notified us in time. If a good reason(such as a long trip or hospital stay) keepsyou from notifying us, the time periods abovemay be extended.

If your Account is a "Commercial Account"(which is defined in this AdvantageAgreement as an account for a Corporation,Nonprofit Organization, NoncorporateOrganization, Partnerships, Estates, Pensionand Profit Sharing Plans [not including IRAsand Employee Stock Ownership Plans] andother Trust), you are liable for allunauthorized Transfers up to the time atwhich you notify us.

c. Telephone Number for Notifications inthe Event of Unauthorized TransfersIf you believe that an unauthorized Transferhas occurred in your Advantage Account, callus at the number listed on your Accountstatement or (866) 786-4879 or write to us atthe address listed on your Accountstatement.

d. Types of Electronic Funds TransfersAvailableDepending on your Account registration, youmay be able to: (i) arrange with anotherparty, such as your employer or agovernment agency, to electronically transferdeposits directly to your authorized Accounton a regular basis; or (ii) authorize anotherparty, such as an insurance company ormortgage company, to have paymentstransferred from your Account and sentdirectly to them on a regular basis. If aregular payment will vary in amount, thepayee needs to tell you how much thepayment will be at least 10 days prior towhen it is due.

In addition to the types of Transfers listedabove, we periodically introduce newmethods by which you may make Transfers,such as by personal computer and/orwireless devices. At present, there is nominimum amount required for automaticdebits. The availability of automatic debits toyour Account will be limited to yourAuthorization Limit.

e. FeesPlease refer to your Fee Schedule forinformation regarding applicable fees.

f. Documentation of TransfersYou will receive a periodic statement that willshow all activity in your Account, includingany Transfer. If you arrange to have directdeposits made to your Account at least onceevery 60 days from the same person orcompany, you can call us at the numberlisted on your Account statement to verifysuch deposits.

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g. Stop Payment Procedures andLiabilityStop payments are generally unavailable forDebit Card transactions. However, if youhave instructed us to make regular paymentsout of your Account ("PreauthorizedTransfers"), you can stop such payments bycalling us at the telephone numbers shown inthis section at least three (3) Business Daysbefore the payment is scheduled to be made.

When you call, please provide: (i) your nameand Account number; (ii) the exact name ofthe payee; (iii) the exact payment amount;and (iv) the scheduled transfer date. Failureto provide correct and complete informationmay make it impossible for us to stoppayment of the Preauthorized Transfer. Youagree to indemnify and hold us harmlessfrom and against any loss incurred by us as aresult of our paying a Preauthorized Transfer,if any of the information relied upon in thestop payment order is incorrect or incomplete(or as a result of our not paying aPreauthorized Transfer for which a valid stoppayment is in effect). If you instruct us to stopa Preauthorized Transfer at least three (3)Business Days before the payment isscheduled, and we do not do so, we will beliable for your losses and damages.

These stop payment procedures also apply toCommercial Accounts (as defined above).However, in no event will we guarantee theeffectuation of, or be liable for, any stoppayment request from a CommercialAccount. You agree (if a CommercialAccount) to hold us harmless for theamount(s) of any stop payment order(s)entered by you or on your behalf, and for allcosts and expenses (including attorneys'fees) incurred by reason of the refusal tohonor said payment(s), and you further agreethat if, contrary to such stop paymentorder(s), payment is neverthelessinadvertently made through accident oroversight, we shall not be liable. Thisprovision shall survive the termination of yourAccount.

Stop payment orders will not appear on yourAccount statement.

h. Error Resolution ProceduresIn the case of errors or questions about yourTransfers, please telephone us at thetelephone numbers listed above as soon aspossible if you think your Account statementis wrong, or if you need more informationabout a Transfer listed on the Accountstatement. We must hear from you no laterthan 60 days after we send you the firststatement on which the problem or errorappears.

When you call please provide: (i) your nameand Account number; (ii) the error or Transferyou question, and as clearly as possible whyyou believe it is in error or why you needmore information; and (iii) the dollar amountof the suspected error. We will tell you theresults of our investigation within 10 BusinessDays (20 for Transfers to or from the Accountwithin 30 days after the first deposit to theAccount) after we hear from you and correctany error(s) promptly. If we need more time,however, we may take up to 45 BusinessDays (90 for transfers to or from the Accountwithin 30 days after the first deposit to theAccount) to investigate your question. If we

decide to do this, we will provisionally credityour Account within 10 Business Days (20 fortransfers to or from the Account within 30days after the first deposit to the Account) forthe amount you think is in error so that youwill have the use of the money during thetime it takes to complete our investigation. Ifwe ask you to put your question in writingand we do not receive it within 10 BusinessDays, we may not provisionally credit yourAccount. If we determine there was no error,we will send you a written explanation withinthree (3) Business Days after we completethe investigation. You may ask for copies ofthe documents that we used in ourinvestigation.

For any Transfer occurring outside the UnitedStates, within 10 Business Days after wereceive notice of an alleged error we willeither resolve the claim or provisionally credityour Account while continuing to investigatethe claim. If we need more time, however, wemay take up to 90 days to investigate thematter.

i. Additional Provisions for CommercialAccountsThe provisions in this section apply only toTransfers to or from Commercial Accounts.For payment requests from CommercialAccounts, which are subject to Article 4A ofthe Uniform Commercial Code ("UCC 4A"),we are liable only for damages required to bepaid under UCC 4A. In no event will we beliable for any special, indirect, orconsequential loss, damage, costs, orexpense of any nature, including, withoutlimitation, lost profits, even if we have beeninformed of the possibility of such damages,except as may be required by law.

X. LIABILITY FOR FAILURE TOCOMPLETE TRANSACTIONS

If we, our agents or Affiliates do not completea transaction to or from your AdvantageAccount on time or in the correct amount,under no circumstances shall we, our agentsor Affiliates, including directors, officers,partners, subsidiaries, parents, and agents,be liable for special, indirect, consequential,or compensatory damages, including loss ofprofits or opportunity, or for attorneys’ feesincurred by you, even if informed of thepossibility of such damages. We, our agentsor Affiliates, including directors, officers,partners, subsidiaries, parents, and agentsshall not be liable for any loss or delaycaused directly or indirectly by acts of war,terrorist attacks, strikes, natural disasters,government restrictions, exchange or marketrulings, disruptions in orderly trading on anyexchange or market caused by marketvolatility or trading volume, suspensions oftrading, interruptions or delays affectingcommunications facilities or data processingservices, or other conditions beyondreasonable control.

XI. CHECK 21 ACT MANDATORYCONSUMER DISCLOSURE -IMPORTANT INFORMATION

a. What is a Substitute Check?To make check processing faster, federal lawpermits financial institutions to replaceoriginal checks with "Substitute Checks."These checks are similar in size to originalchecks with a slightly reduced image of the

front and back of the original check. The frontof a Substitute Check states: "This is a legalcopy of your check. You can use it the sameway you would use the original check." Youmay use a Substitute Check as proof ofpayment just like the original check. Some orall of the Advantage Checks that you receiveback may be Substitute Checks. This noticedescribes rights you have when you receiveSubstitute Checks from us. The rights in thisnotice do not apply to original checks or toelectronic debits to the Advantage Account.However, you have rights under other lawswith respect to those transactions.

b. Your Rights Regarding SubstituteChecksIn certain cases, federal laws provide aspecial procedure that allows you to requesta refund for losses you suffer if a SubstituteCheck is posted to the Advantage Account(for example, if you think we withdrew thewrong amount from the Advantage Accountor that we withdrew money from theAdvantage Account more than once for thesame check). The losses you may attempt torecover under this procedure may include theamount that was withdrawn from theAdvantage Account and fees that werecharged as a result of the withdrawal (forexample, bounced check fees). The amountof your refund under this procedure is limitedto the amount of your loss or the amount ofthe Substitute Check, whichever is less. Ifyou use this procedure, you may receive upto $2,500 of your refund (plus interest if theAdvantage Account earns interest) not laterthan 45 calendar days after we receive yourclaim. We may reverse the refund (includingany interest on the refund) if we later are ableto demonstrate that the Substitute Check wascorrectly posted to the Advantage Account.

c. How to Make a Claim for a RefundIf you believe that you have suffered a lossrelating to a Substitute Check that wasposted to the Advantage Account, pleasecontact us at the number listed on yourstatement. You must contact us within 40calendar days of the date we mailed (orotherwise delivered by a means to which youagreed) the Substitute Check in question orthe Advantage Account statement showingthat the Substitute Check was posted to theAdvantage Account, whichever is later. Wewill extend this period if you were not able tomake a timely claim because of extraordinarycircumstances. Your claim must include thefollowing: (i) a description of why you havesuffered a loss (for example, you think theamount withdrawn was incorrect); (ii) anestimate of the amount of your loss; (iii) anexplanation of why the Substitute Check youreceived is not sufficient to confirm that yousuffered a loss; and (iv) a copy of theSubstitute Check or the following informationto help us identify the Substitute Check: thecheck number, payee, and amount of thecheck.

d. Special Notice for Check ReturnCustomersWe will not provide Substitute Checks withstatements. However, the AdvantageAccount statement will provide information toinform you that a Substitute Check has posedto the Advantage Account. Even though youdo not receive a Substitute Check with theAccount statement, we will grant you therights described above in this notice

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concerning Substitute Checks as though youreceived a Substitute Check in the statementcycle describing the posting of it.

XII.BUSINESS ACCOUNTS

Advantage Account Holders using theAccount for business purposes understandand agree that "restricted transactions" asdefined in the Unlawful Internet GamblingEnforcement Act of 2006 and Regulation GGissued thereunder are prohibited from beingprocessed through the Account or anyrelationship between you and us. In the eventa suspected restricted transaction isidentified, we may block or otherwise preventor prohibit such transaction, close theAccount or accounts and/or end therelationship.

*Account(s) carried by First Clearing. First Clearing is a trade name used by Wells Fargo Clearing Services, LLC, a registered broker-dealer andnon-bank affiliate of Wells Fargo & Company.

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558386 (Rev 08 - 11/16)

565924 (Rev 34 - 11/16)

Margin Disclosure StatementPlease Note: The information contained on this page only applies if you elected to have margin on your account.

On behalf of your brokerage firm, First Clearing* is furnishing thisdocument to you to provide some basic facts about purchasingsecurities on margin, and to alert you to the risks involved with tradingsecurities in a margin account. Before trading stocks in a marginaccount, you should carefully review the margin agreement providedby your brokerage firm. Consult your brokerage firm regarding anyquestions or concerns you may have with your margin account(s). Forfurther information, please refer to the Designation of ResponsibilityLetter.

When you purchase securities through your brokerage firm, you maypay for the securities in full or you may borrow part of the purchaseprice from your brokerage firm's clearing firm, First Clearing. If youchoose to borrow funds, you will open a margin account with yourbrokerage firm. The securities purchased are First Clearing's collateralfor the loan to you. If the securities in your account decline in value, sodoes the value of the collateral supporting your loan. And, as a result,First Clearing or your brokerage firm can take action, such as issue amargin call and/or sell securities or other assets in any of youraccounts held with the member, in order to maintain the requiredequity in the account.

It is important that you fully understand the risks involved in tradingsecurities on margin. These risks include the following:

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You can lose more funds than you deposit in the marginaccount. A decline in the value of securities that are purchased onmargin may require you to provide additional funds to FirstClearing, the firm that has made the loan, to avoid the forced saleof those securities or other securities or assets in your account(s).

First Clearing or your brokerage firm can force the sale ofsecurities or other assets in your account(s). If the equity inyour account falls below the maintenance margin requirements orFirst Clearing's higher "house" requirements, First Clearing cansell the securities or other assets in any of your accounts held atthe firm to cover the margin deficiency. You also will beresponsible for any shortfall in the account after such a sale.

Securities in your margin account may be loaned to or by First Clearing. To the extent First Clearing determines, in accordance with Federal taxregulations, that your securities have been loaned, payments received by you with respect to such securities (including payments in lieu ofdividends) may be reclassified as substitute payments. Substitute payments may be reported on different tax reporting forms than paymentsreceived on the underlying securities and may be subject to different tax consequences and rates. You are advised to contact your tax advisor todiscuss the tax treatment of substitute payments.

First Clearing or your brokerage firm can sell your securitiesor other assets without contacting you. Some investorsmistakenly believe that a firm must contact them for a margin callto be valid, and that the brokerage firm cannot liquidate securitiesor other assets in their accounts to meet the call unless thebrokerage firm has contacted them first. This is not the case. Mostfirms will attempt to notify their customers of margin calls, but theyare not required to do so. However, even if a firm has contacted acustomer and provided a specific date by which the customer canmeet a margin call, the firm can still take necessary steps toprotect its financial interests, including immediately selling thesecurities without notice to you.

You are not entitled to choose which securities or otherassets in your account(s) are liquidated or sold to meet amargin call. Because the securities are collateral for the marginloan, First Clearing or your brokerage firm has the right to decidewhich security to sell in order to protect its interests.

First Clearing or your brokerage firm can increase its "house"maintenance margin requirements at any time and is notrequired to provide you advance written notice. Thesechanges in firm policy often take effect immediately and may resultin the issuance of a maintenance margin call. Your failure tosatisfy the call may cause First Clearing or your brokerage firm toliquidate or sell securities in your account(s).

You are not entitled to an extension of time on a margin call.While an extension of time to meet margin requirements may beavailable to customers under certain conditions, a customer doesnot have a right to the extension.

*Account(s) carried by First Clearing. First Clearing is a trade name used by Wells Fargo Clearing Services, LLC, a registered broker-dealer andnon-bank affiliate of Wells Fargo & Company.

Cash SweepCash Sweep Program Disclosure Statement

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SummaryPlease consult the full text of the disclosure statement below for further information at the pages indicated.

The Cash Sweep Program allows you to earn a return on the uninvested cash balances - for whichno interest is otherwise earned or paid - in your account by automatically placing ("sweeping") cashbalances into a sweep vehicle until such balances are invested by you or otherwise needed to satisfyobligations arising in connection with your account.

How the CashSweep ProgramWorks

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The available sweep options currently consist of one or more Money Market Mutual Funds and/orinterest-bearing deposit accounts at four banks. Eligibility for each available sweep vehicle isdetermined by account type.

Available SweepOptions Page 19

The rates of return for the sweep options vary over time. Current rates can be obtained from yourfinancial professional or by calling the general inquiries phone number listed on the front of youraccount statement.• The rate of return on the Bank Deposit Sweep is set by our Clearing Agent, working with its

affiliate Program Banks. The Clearing Agent and Program Banks may seek to pay as low a rateas possible consistent with their views of competitive necessities. Our Clearing Agent and theProgram Banks can, at their sole discretion, change the rate at any time.

• Money Market Mutual Funds seek to achieve the highest rate of return (less fees and expenses)consistent with prudence and their investment objectives. Rate of Return

• There is no guarantee that the yield on any particular cash sweep will remain higher than othersover any given period. The rate of return on any of our sweep vehicles may be lower than that ofsimilar investments offered outside of the Cash Sweep Program.

The Cash Sweep should not be viewed as a long-term investment option. If you desire to maintaincash balances for other than a short-term period and/or are seeking the highest yields currentlyavailable in the market, please contact your financial professional to discuss investment options thatmay be available outside of the Cash Sweep Program to help maximize your return potentialconsistent with your investment objectives and risk tolerance.

You must monitor and determine the best cash sweep for you under this program. You may alsoelect not to participate in the Cash Sweep Program and instead periodically invest cash balancesdirectly.

Duty to Monitor

You will be notified if we modify the Cash Sweep Program including modifications that result inchanging the sweep vehicle for your account. Unless you tell us otherwise within the time periodspecified in the notice, your cash balances will be moved to the new sweep vehicle that wedesignate under the program.

Changes to theSweep Program

Fees are charged and certain benefits may be received by us, the Clearing Agent, Program Banks,and their affiliates under the different sweep options. Because of these fees and benefits, we, theClearing Agent, and Program Banks have a financial incentive to select the particular sweep optionsincluded in the Cash Sweep Program.

Benefits to Us

Money Market Mutual Funds in the Cash Sweep Program and the Bank Deposit Sweep are subjectto different risks and account protection:

• Money Market Mutual Funds in the Cash Sweep Program invest in high quality, short-termsecurities and seek to maintain a stable value but are subject to market risks and potential valueloss. They are not bank accounts and not subject to FDIC insurance protection. They are insteadcovered by SIPC, which protects against the custodial risk (and not a decline in market value)when a brokerage firm fails by replacing missing securities and cash up to a limit of $500,000, ofwhich $250,000 may be cash. Differing Risks

and AccountProtection • The Bank Deposit Sweep is not subject to market risk and value loss but is subject to the risk of a

bank's failure. In the unlikely event a bank fails, deposits at each bank are eligible for FDICinsurance protection up to a limit of $250,000 (including principal and interest) per depositor ineach insurable capacity (e.g., individual or joint). This limit includes any other deposits you mayhave at each bank outside of this program. You are responsible for monitoring your bankbalances in this program and the balances in any of your other bank accounts at the samebank to determine if these, in total, exceed FDIC insurance limits. Monies held in the BankDeposit Sweep are not covered by SIPC.

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*Account(s) carried by First Clearing. First Clearing is a trade name used by Wells Fargo Clearing Services, LLC, a registered broker-dealer andnon-bank affiliate of Wells Fargo & Company.

568205 (Rev 17 - 11/16)565924 (Rev 34 - 11/16) Page 19 of 22

Introduction

Under the Cash Sweep Program (the "SweepProgram"), uninvested cash balances - forwhich no interest is otherwise earned or paid- in your account are automatically swept intointerest-bearing deposit accounts ("BankDeposit Sweep") or, if available, stable valuemoney market mutual funds ("Money MarketFunds") or such other sweep arrangementsmade available to you (collectively "CashSweep Vehicles"), until these balances areinvested by you or otherwise needed tosatisfy obligations arising in connection withyour account.

Available Cash Sweep VehiclesEligibility for each available Cash SweepVehicle is determined by account type andcan be obtained from your financialprofessional. Each eligible Money MarketFund offered in the Sweep Program isdescribed in a prospectus, which should beread carefully, and may include one or moreMoney Market Funds that an affiliate of ourclearing agent, First Clearing* ("ClearingAgent"), provides investment management orother services to.

The Bank Deposit Sweep consists ofinterest-bearing deposit accounts at fourbanks affiliated with the Clearing Agent("Program Banks"). Further informationregarding the Bank Deposit Sweep, includingeligibility requirements, is contained below inthe section entitled "Additional InformationRegarding the Bank Deposit Sweep".

If you do not select a Cash Sweep Vehiclewhen you open your account, or you selectan ineligible Cash Sweep Vehicle, your CashSweep Vehicle will be, and any cashbalances transferred to, the Bank DepositSweep if you are eligible (if not, your CashSweep Vehicle will be (and any cashbalances transferred to) an available MoneyMarket Fund selected by us). If you wish tospecify a different Cash Sweep Vehicle, ifavailable for your account type, you may doso at any time by contacting your financialprofessional. Existing balances in your priorCash Sweep Vehicle will be automaticallytransferred to the new Cash Sweep Vehicleyou select.

How the Sweep Program WorksAvailable cash balances will be automaticallyswept into the Cash Sweep Vehicle for youraccount on a periodic basis (consult yourfinancial professional for details on thefrequency of this automaticinvestment/deposit). Shares or cash held inyour Cash Sweep Vehicle will beautomatically redeemed in order to settle atransaction, serve as collateral for a marginloan or short sale, or satisfy any otherobligations.

trade-related debit item pending in youraccount due to settle in one businessday, in which case only that amountexceeding the trade-related debit will becredited to your Cash Sweep Vehicle).Available cash balances will not earn arate of return until swept into your CashSweep Vehicle.

Timing of Debits - Your Cash SweepVehicle is automatically debited to satisfyobligations arising in connection withyour brokerage account, includingadministrative and other fees, andcharges in connection with a marginaccount. Cash Sweep Vehicle balanceswill also be debited as necessary inconnection with certain account activityand services, including securitiestransactions, preauthorized electronictransfers, automated payments, checks,or debits from using the linked creditcards. Your brokerage account will bescanned automatically for debit itemseach day. Debit balances will be satisfiedautomatically from: (i) available cashbalances; (ii) funds in any Money MarketFund no longer serving as your CashSweep Vehicle; (iii) through thewithdrawal of funds from your CashSweep Vehicle; and (iv), whereapplicable, from margin loans.

Access to Funds - You may only accessthe balances held in your Cash SweepVehicle through your brokerage account.As required by federal bankingregulations, the Program Banks reservethe right to require seven days' priornotice before permitting a transfer out ofthe Bank Deposit Sweep. The ProgramBanks have no intention of exercising thisright at the present time. Pursuant toSEC rules that take effect on October 14,2016 on money market reform, fundsmay impose a fee on redemptions(liquidity fee) of up to 2% or a suspensionof redemptions (gate) if a fund's weeklyliquid assets falls below 30% of its totalassets, and if the fund's board considerssuch actions in the best interest of thefund's shareholders. In addition, theMoney Market Funds may reserve theright to require one or more days' priornotice before permitting withdrawals.Please refer to the fund's prospectus forfurther information.

Statements and Confirmations - Youraccount statement will indicate yourbalance, detail transactions, and reflectinterest or dividends relating to yourCash Sweep Vehicle. These accountstatements are provided in lieu ofseparate confirmations of sweeptransactions.

Interest/Dividends Payable - Interest oncash in the Bank Deposit Sweep isaccrued daily, compounded monthly, andcredited to your account on the lastbusiness day of each monthly statementperiod. Dividends on the shares in theMoney Market Funds will not be payablein cash but will be reinvested each monthin additional shares of the applicableMoney Market Fund at the current netasset value. Dividends are notguaranteed and are subject to change or

Rate of ReturnThe rate of return for each available CashSweep Vehicle can be obtained from yourfinancial professional or by calling thegeneral inquiries phone number listed on thefront of your account statement. These rateswill vary over time and may be lower thanrates available to clients making depositsdirectly with the Program Banks or at otherbanks, or available by investing directly inother money market mutual funds not offeredthrough the Sweep Program.

The rate of interest paid on the Bank DepositSweep will be established periodically by ourClearing Agent, working with the ProgramBanks, based upon prevailing business andeconomic conditions. The rate will be basedupon account type and/or tiered based uponaccount value. The Clearing Agent andProgram Banks can, at their sole discretion,change the rate at any time.

The Clearing Agent and Program Banks donot have a duty to provide the highest ratesprudently available and may instead seek topay as low a rate consistent with their viewsof competitive necessities. Lower rates maybe more financially beneficial to us, theClearing Agent, as well as Wells Fargo &Company and its affiliates, including theProgram Banks and their respectivepersonnel. There is no necessary linkagebetween bank rates of interest and thehighest rates available in the market,including any money market mutual fundrates. By comparison, a Money Market Fundgenerally seeks to achieve the highest rate ofreturn (less fees and expenses) consistentwith the fund’s investment objective, whichcan be found in the fund’s prospectus.(Money Market Fund rates may, however, beaffected by the fees imposed by the particularclass of shares selected by us for the SweepProgram.) As a result, the current rate ofreturn on each Cash Sweep Vehicle will varyover time, and there is no guarantee that thereturn on any particular Cash Sweep Vehiclewill remain higher than the others over anygiven period.

The Cash Sweep Vehicle for your accountshould not be viewed as a long-terminvestment option. If you desire, as part of aninvestment strategy or otherwise, to maintaina cash position in your account for other thana short period of time and/or are seeking thehighest yields currently available in themarket for your cash balances, pleasecontact your financial professional to discussinvestment options that may be availableoutside of the Sweep Program to helpmaximize your return potential consistentwith your investment objectives, liquidityneeds, and risk tolerance. Please note,however, that available cash accumulating inyour account will not be automatically sweptinto any investment you purchase outside ofthe Sweep Program.

Your Responsibility to Monitor Your CashSweep VehicleAs returns on the Cash Sweep Vehicles, yourpersonal financial circumstances, and otherfactors change, it may be in your financialinterest to change your Cash Sweep Vehicle(if another option is available for your account

Timing of Credits - Your Cash SweepVehicle will be credited: (i) in the case ofavailable cash balances resulting fromthe proceeds of securities sales, on thesettlement date of the securities sale;and (ii) in the case of available cashbalances resulting from non-trade-relatedcredits (i.e., the receipt of dividends,interest payments, or deposits), on thebusiness day after receipt by us of thenon-trade-related credit (unless there is a

*Account(s) carried by First Clearing. First Clearing is a trade name used by Wells Fargo Clearing Services, LLC, a registered broker-dealer andnon-bank affiliate of Wells Fargo & Company.

elimination.

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type) or invest cash balances in productsoffered outside of the Sweep Programconsistent with your investment objectivesand risk tolerance. We do not have any dutyto monitor the Cash Sweep Vehicle for youraccount or make recommendations about, orchanges to, the Sweep Program that mightbe beneficial to you.

Alternatives to the Sweep ProgramYou may elect not to participate in the SweepProgram and/or periodically invest cashbalances directly in available money marketmutual funds or other products offered asdirect investments outside of the SweepProgram by providing instructions to yourfinancial professional. Please note if youelect not to participate in the SweepProgram, accruing cash balances will notearn a rate of return prior to directinvestment. In addition, available cash willnot be automatically swept into any moneymarket mutual fund or other investment thatyou purchase outside of the Sweep Program.

Your financial professional can providefurther details and additional information,including a prospectus, for any of the moneymarket mutual funds available for directinvestment outside of the Sweep Program.Please read the prospectus carefully beforeinvesting. Investments in money marketmutual funds are not guaranteed or insuredby the FDIC or any other government agencyand are not deposits of a bank or bankaffiliate. Although money market mutualfunds seek to preserve their net asset valueat one dollar per share, it is possible to losemoney by investing in money market mutualfunds.

Changes to Cash Sweep VehiclesFrom time to time, the Clearing Agent maymodify the Sweep Program, which may resultin changing the Cash Sweep Vehicle for youraccount. If the Clearing Agent makes anychange, there is no guarantee that suchchange will provide an equal or greater rateof return to you during any given period, andthe rate of return may be lower. You willreceive advance notice of any change in theSweep Program, including changes from oneCash Sweep Vehicle to another. Unless youobject within the time period specified, thebalances from your prior Cash SweepVehicle will be transferred into any new CashSweep Vehicle.

If you decide to enroll in a new product orservice that doesn’t offer your current CashSweep Vehicle, your new Cash SweepVehicle will become the Bank Deposit Sweepif you are eligible (if not, your Cash SweepVehicle will be an available Money MarketFund selected by us) unless you select adifferent available Cash Sweep Vehicle.

Administrative FeeIn addition to any other fees and expensescharged directly by the Money Market Funds,an administrative fee is charged at anannualized rate of 20 basis points (0.20%) ofassets held in the Class A share class of theWells Fargo Advantage Money MarketFunds. This fee will be directly deducted fromthe dividends you receive from these MoneyMarket Funds, and your periodic accountstatement will reflect such dividends net ofthis fee. The administrative fee is intended tocompensate the Clearing Agent foradministrative services provided in offeringthe Sweep Program, for related processing

costs, and account maintenance servicesprovided in connection with processingsweep transactions. Because theadministrative fee is not charged by theMoney Market Fund, the Clearing Agent willreport to the Internal Revenue Service (onForm 1099-DIV) the total amount ofdividends paid to you by the Money MarketFund (i.e., the gross dividend), not thedividend after deduction of the administrativefee (i.e., the net dividend). In contrast, theestimated current yields for Money MarketFunds shown on account statements willreflect the net dividend after deduction of theadministrative fee. You should consult withyour tax advisor as to the deductibility of thisadministrative fee. The administrative fee isnot charged on the Bank Deposit Sweep orwith respect to ERISA or IRA accountsparticipating in any of our investmentadvisory programs.

Benefits to Our Firm and OthersWe (in this section, the terms "we," "our," and"us" include the Introducing Firm and, in allinstances, the Clearing Agent and itsaffiliates) receive fees and benefits forservices provided in connection with theSweep Program, and we may choose tomake available the Cash Sweep Vehiclesthat are more profitable to us than othermoney market mutual funds or bank depositaccounts. A portion of these fees may bepaid to your financial professional.

We may receive distribution (Rule 12b-1),investment management, service fees andother compensation as a result of sweepingavailable cash into the Money Market Funds.These fees, which vary depending on theMoney Market Fund (and class thereof) used,are paid directly by the Money Market Fundsbut ultimately borne by you as a shareholderin the fund.

We and the Program Banks benefitfinancially from cash balances held in theBank Deposit Sweep as well. As with otherdepository institutions, the profitability of theProgram Banks is determined in large part bythe difference or "spread" between theinterest they pay on deposit accounts, suchas the Bank Deposit Sweep, and the interestor other income they earn on loans,investments, and other assets. As notedabove, the Clearing Agent and ProgramBanks may pay rates of interest on the BankDeposit Sweep that are lower than prevailingmarket interest rates. The participation of theProgram Banks in the Bank Deposit Sweep isexpected to increase their respectivedeposits and, accordingly, overall profits.

We may receive fees and compensation ofup to two percent (2%) from the ProgramBanks and/or their affiliates based on theaverage monthly deposit balances in theBank Deposit Sweep (computed on anannualized basis). This compensation issubject to change, and we may waive all orany part of this fee at any time without notice.In addition, certain of our employees,including financial professionals, may receiveincentive compensation based in part on newassets in the Bank Deposit Sweep or theprofitability of the Bank Deposit Sweep forthe Program Banks and their joint parentcompany, Wells Fargo & Company. Theprofitability of the Bank Deposit Sweep isbased in part on deposit expenses, whichmay be greater depending on the size of theoverall deposit balances in the Bank Deposit

Sweep. We, therefore, have an incentive tomake recommendations to you that couldresult in increased or decreased balances inthe Bank Deposit Sweep. We shall alsoreceive a benefit by retaining any interestearned (generally at the Federal Funds rate)on cash balances awaiting disbursement orprior to such balances being swept into yourCash Sweep Vehicle. As a result of the feesand benefits described above, the BankDeposit Sweep may be significantly moreprofitable to us, as well as the Clearing Agentand its affiliates, than other available CashSweep Vehicles, if any.

SIPC InsuranceThe Securities Investor ProtectionCorporation (SIPC) protects customers of itsmembers against the custodial risk to clientsof securities brokerage firms in the eventsuch firms become insolvent. Unlike FDICinsurance, SIPC does not insure against thefailure of a security, the quality ofinvestments, or declines in the value ofinvestments. Instead, SIPC protects eachclient's securities (which include MoneyMarket Funds) and cash held in a client'sbrokerage account at an insolvent brokeragefirm by replacing missing securities and cashof up to $500,000 per client, including$250,000 for claims for cash. The ClearingAgent provides additional coverage, at nocost to you, through Lexington InsuranceCompany ("Lexington"), an AIG company.For clients who have received the full SIPCpayout limit, the Clearing Agent’s policy withLexington provides additional coverageabove the SIPC limits for any missingsecurities and cash in client brokerageaccounts up to a Clearing Agent aggregatelimit of $1 billion (including up to $1.9 millionfor cash per client). This account protectionpackage does not cover losses resulting fromdeclines in the market value of yourinvestments. For more information on SIPCcoverage, please see the explanatorybrochure at www.sipc.org or call202-371-8300. For more information aboutLexington, please visitwww.lexingtoninsurance.com.

Since monies in the Bank Deposit Sweep areheld at banks, they are NOT covered bySIPC or Lexington. They are instead coveredby FDIC insurance. Please see the sectionentitled "FDIC Insurance Coverage" below.

Additional Information Regarding theBank Deposit Sweep

IntroductionThe Bank Deposit Sweep consists ofinterest-bearing deposit accounts at fourProgram Banks, each a depository institutionregulated by bank regulatory agencies undervarious federal banking laws and regulations.If the Bank Deposit Sweep is your CashSweep Vehicle, available cash balances inyour account are automatically deposited intothe Bank Deposit Sweep.

DepositsPeriodically, the uninvested cash balances inyour brokerage account will be deposited atone or more bank deposit accountsmaintained at the Program Banks. Noevidence of ownership, such as a passbookor certificate, will be issued to you, anddeposits in the Bank Deposit Sweep may bemade in the name of the Clearing Agent (orits agents) for the benefit of our clients.However, your brokerage account statement

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will reflect all deposits, withdrawals, ProgramBank deposit balance(s), and applicableinterest rate.

Generally, deposits will be made initially atWells Fargo Bank, N.A. up to $250,000, andthen any available cash in excess of$250,000 will be deposited at one or more ofthree Program Banks, up to $250,000 ateach Program Bank. Deposits for jointaccounts, revocable, and irrevocable trustaccounts are subject to operationallimitations, and the amount of FDICinsurance coverage afforded may be lessthan the FDIC insurance coverage availableunder FDIC rules.

For single, custodial, and self-directedretirement accounts, any deposits thatexceed $1,000,000 will be deposited at WellsFargo Bank, N.A. and may not be FDICinsured.

For joint accounts, the Bank Deposit Sweepcan recognize accounts with only two jointowners. As a result, deposits for jointaccounts, regardless of the number of jointowners, will be made only up to $500,000initially at Wells Fargo Bank, N.A. and thenany available cash in excess of $500,000 willbe deposited at one or more of threeProgram Banks, up to $500,000 at eachother Program Bank. With joint accounts, anydeposits that exceed $2,000,000 will bedeposited at Wells Fargo Bank, N.A. andmay not be FDIC insured.

For revocable and irrevocable trust accounts,regardless of the number of owners andbeneficiaries, deposits are made initially onlyup to $250,000 at Wells Fargo Bank, N.A.,and then any available cash in excess of$250,000 will be deposited at one or more ofthree Program Banks, up to $250,000 ateach Program Bank. For revocable trustaccounts, any deposits that exceed$1,000,000 will be deposited at Wells FargoBank, N.A. and may not be FDIC insured.

Cash intended for deposit into the BankDeposit Sweep must be deposited throughyour brokerage account and cannot beplaced directly by you into a Program Bank.Only balances transferred by the ClearingAgent will be eligible for inclusion in the BankDeposit Sweep and deposits by you intoProgram Banks, outside of the Bank DepositSweep, may adversely affect the FDICcoverage of your funds.

WithdrawalsMonies on deposit at the Program Banks willbe automatically withdrawn from the bankdeposit accounts in the event of a debit inyour brokerage account or, on settlementdate, to pay for securities purchased for orsold to your brokerage account. Debits mayalso be created by writing a check on yourbrokerage account, making payments viaonline bill payment service, withdrawingfunds through your debit card, or to pay otherliabilities owed to us. Checks, ACHpayments, debit cards, ATM withdrawals,direct deposits, credits, and othertransactions and items for your brokerageaccount are processed through that accountrather than through the bank depositaccounts. The Clearing Agent will debit andcredit your bank deposits to accommodatethis processing.

FDIC Insurance CoverageBalances on deposit in the Bank DepositSweep, together with any other of yourdeposits at the Program Banks, are insuredby the FDIC, an independent agency of theU.S. government, up to a maximum amountin accordance with the rules of the FDIC.Deposits (including principal and interest) ateach of the four Program Banks are eligiblefor federal deposit insurance up to $250,000per depositor in each insurable capacity (e.g.,individual or joint). Balances in the BankDeposit Sweep in excess of $1,000,000 willbe deposited at Wells Fargo Bank, N.A. (aProgram Bank) and may not be FDICinsured. Different ownership categories ofaccounts are separately insured. Please seethe "Deposit Insurance - General Information"section below for further information.

If you have other deposits at the ProgramBanks outside of the Bank Deposit Sweep,you must aggregate all such deposits withyour Bank Deposit Sweep balance forpurposes of determining FDIC coverage. Ifyour total funds on deposit at any ProgramBank exceed the applicable FDIC insurancelimit, the FDIC will not insure your funds inexcess of the limit. Please note that you,and not the Clearing Agent or brokeragefirm, are responsible for monitoring thetotal amount of your deposits at theProgram Banks in order to determine theextent of FDIC insurance coverageavailable. If you expect to have totaldeposits at the Program Banks, includingbalances through the Bank DepositSweep, that exceed FDIC insurancecoverage limits, you should carefullyconsider whether you should arrange forthe direct investment of amountsexceeding such coverage.

In the event that federal deposit insurancepayments become necessary, payments ofprincipal plus unpaid and accrued interest willbe made to you by the FDIC. However, thereis no specific time period during which theFDIC must make insurance paymentsavailable. Furthermore, you may be requiredto provide certain documentation to the FDICbefore insurance payments are made.

If you have additional questions about FDICinsurance, please contact your financialprofessional. You may wish to seek advicefrom your own attorney concerning FDICinsurance coverage of deposits held in morethan one capacity. You may also obtainpublicly available information by contactingthe FDIC, Office of Consumer Affairs, byletter (550 17th Street, N.W., Washington,D.C. 20429), by phone (877-275-3342 or800-925-4618 (TDD)), or by accessing theFDIC website at www.fdic.gov.

Differences between the Bank DepositSweep and Money Market FundsThe Money Market Funds available as CashSweep Vehicles are registered with the SECpursuant to the Investment Company Act of1940. The Bank Deposit Sweep consists ofinterest-bearing deposit accounts at theProgram Banks, each regulated by bankregulatory agencies under various federalbanking laws and regulations. Deposits in theBank Deposit Sweep are eligible for FDICinsurance as described above. The retail andU.S. Government Money Market Fundspurchase high-quality, short-term securities inseeking to maintain their net asset value ofone dollar per share. A stable net asset value

is not guaranteed and you could experience aloss of principal investing in these MoneyMarket Funds. Funds invested in a MoneyMarket Fund are not guaranteed or insuredby the FDIC or any other government agencyand are not deposits of a bank or bankaffiliate, including the Program Banks.Although Money Market Funds seek topreserve the value of your investment at$1.00 per share, it is possible to lose moneyby investing in a Money Market Fund.

Changes to Sweep BanksFrom time to time we or the Clearing Agentmay make changes to the Bank DepositSweep that include adding, deleting,replacing, or changing the sequence ofProgram Banks, which may result inincreasing or decreasing the overall FDICinsurance available through the Bank DepositSweep. In such instances, you will be notifiedin advance of the change if it affects youraccount. If a Program Bank no longer makesthe Bank Deposit Sweep available, you willbe provided the opportunity to establish adirect depository relationship with that bank,subject to its policies and procedures. If youdo not wish to establish a direct relationshipwith the bank, your funds will be transferredto another available sweep bank. Theconsequences of maintaining a directdepository relationship with a Program Bankare discussed below under "Relationship withUs." We may notify you of any of thesechanges by means of a letter, an entry onyour brokerage account statement, an entryon a trade confirmation, or by other means.

Information about the Program BanksThe Program Banks are wholly-ownedsubsidiaries of Wells Fargo & Company, thefourth-largest bank holding company in theUnited States based on assets. ClearingAgent is a nonbank affiliate of the ProgramBanks and Wells Fargo & Company. TheProgram Banks are regulated by bankregulatory agencies under various federalbanking laws and regulations. Additionalinformation regarding the Program Banks andWells Fargo & Company is available atwww.wellsfargo.com.

Deposits in the Bank Deposit Sweep areobligations of each Program Bank where themonies are deposited and are not obligationsof our firm or guaranteed by Wells Fargo &Company or any of its other affiliates. Neitherour firm, Wells Fargo & Company, nor theClearing Agent guarantees in any way thefinancial condition of the Program Banks norare they responsible for any insured oruninsured portion of any deposits with theProgram Banks.

Relationship with UsWe will act as your agent in establishing andmaintaining the Bank Deposit Sweep,including making deposits to and withdrawalsfrom the Bank Deposit Sweep. Your firstdeposit into the Bank Deposit Sweep willconstitute your appointment of us as youragent in connection with your Bank DepositSweep. No evidence of ownership, such as apassbook or certificate, will be issued to youand deposits in the Bank Deposit Sweep maybe made in the name of the Clearing Agent,for the benefit of our customers. Accordingly,all transactions involving the Bank DepositSweep must be made through us.

If you decide to remove us as your agent withrespect to the Bank Deposit Sweep, you may

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establish a direct depository relationship witha Program Bank by requesting to have yourdeposit relationship established in yourname, subject to applicable law and theProgram Bank's terms and conditions. If weterminate your use of the Bank DepositSweep or if you choose to remove us as youragent with respect to the Bank DepositSweep, we will have no further responsibilityfor automatically crediting your brokerageaccount with payments made with respect toyour accounts with the Program Banks andwill not automatically withdraw funds fromyour accounts with the Program Banks tosatisfy debits in your brokerage account.

Deposit Insurance - GeneralInformation

General InformationThe Bank Deposit Sweep is insured by theFDIC, an independent agency of the U.S.government, up to a maximum amount of$250,000 (including principal and accruedinterest) per depositor in each insurablecapacity (e.g., individual or joint) at eachProgram Bank when aggregated with allother deposits held by you at the sameProgram Bank in the same capacity. Yourfunds become eligible for deposit insuranceimmediately upon placement in the BankDeposit Sweep. Any deposits that youmaintain directly with a Program Bank, orthrough an intermediary (such as us oranother broker), will be aggregated with yourBank Deposit Sweep balances at eachProgram Bank for purposes of FDICinsurance coverage limits.

In the unlikely event that federal depositinsurance payments become necessary,payments of principal plus unpaid andaccrued interest will be made to you. There isno specific time period during which the FDICmust make insurance payments available.Furthermore, you may be required to providecertain documentation to the FDIC and theClearing Agent before insurance paymentsare made. For example, if you hold depositsas trustee for the benefit of trust participants,you may be required to furnish affidavits andprovide indemnities regarding an insurancepayment.

The application of FDIC insurance coveragelimits by account type is illustrated by severalcommon factual situations discussed below.You can calculate your insurance coverageusing the FDIC’s online Electronic DepositInsurance Estimator at www.fdic.gov/edie.

Single AccountsAccounts owned by one person, and titled inthat person’s name only, are added togetherand the total insured up to $250,000 at eachProgram Bank (for a total of up to $1,000,000when deposited at all four Program Banks).This account category does not include jointaccounts, certain trusts, and individualretirement accounts, which are protected in aseparate category and discussed below.

Custodial AccountsFunds in accounts held by a custodian (forexample, under the Uniform Gifts to MinorsAct or the Uniform Transfers to Minors Act)are not treated as owned by the custodian,but are added to other deposits of the minorand insured up to $250,000 in the aggregateper Program Bank (for a total of up to$1,000,000 when deposited at all fourProgram Banks).

Joint AccountsFor accounts owned by two or more people,each person's share is insured up to$250,000 separately at each Program Bankin addition to the $250,000 allowed on otherdeposits owned individually in one or moresingle accounts (for a total of up to$2,000,000 for accounts with two jointowners when deposited at all four ProgramBanks). The Bank Deposit Sweep canrecognize joint accounts with only two jointowners.

Revocable Trust AccountsA revocable trust account indicates anintention that the deposit will belong to one ormore named beneficiaries upon the death ofthe owner(s). A revocable trust can beterminated at the discretion of the owner.There are two types of revocable trusts:informal trusts, known as Payable on Death(POD) or "Totten Trusts," and formal trusts,known as "living" or "family" trusts. Bothinformal and formal revocable trusts areinsured up to $250,000 per owner for eachbeneficiary if the FDIC requirements are met.All deposits that an owner holds in bothinformal and formal revocable trusts areadded together for insurance purposes andthe insurance limit is applied to the combinedtotal. A revocable trust account establishedby a husband and wife that names thehusband and wife as sole beneficiaries willbe treated as a joint account, and will beaggregated with other joint accounts subjectto the rules described above under "JointAccounts."

Irrevocable Trust AccountsDeposits in an account established pursuantto one or more irrevocable trust agreementscreated by the same person will be insuredfor up to $250,000 per Program Bank for theinterest of each beneficiary provided that thebeneficiary's interest in the account isnon-contingent (i.e., capable of determinationwithout evaluation of contingencies). Thedeposit insurance of each beneficiary'sinterest is separate from the coverageprovided for other accounts maintained bythe beneficiary, the grantor, the trustee, orother beneficiaries. A beneficiary’s interest infunds held in irrevocable trust accountscreated by the same person will beaggregated and insured up to $250,000 ateach Program Bank.

Individual Retirement AccountsDeposits held in self-directed retirementaccounts, including traditional, Roth, SEP,and SIMPLE IRAs, are eligible for FDICinsurance of up to $250,000 in the aggregateat a bank for a total of up to $1,000,000 whendeposited at all four Program Banks.