Common use of Interest on Account Balances Clause in Contracts

Interest on Account Balances. All balances in the Cash and Margin account types will be net together. If the netting results in a settled debit, debit interest will be charged. If the netting results in a settled credit, credit interest will be paid. Interest will be charged on those net debit balances that accrue $1.00 or greater of interest during the month. Please consult your Financial Professional for additional information. • You can lose more funds than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to HTS to avoid the forced sale of those securities or other securities or assets in your account(s). • The Firm or HTS can force the sale of securities or other assets in your account(s). If the equity in your account falls below the maintenance margin requirements or HTS’s higher “house” requirements, HTS or your Financial Professional can sell the securities or other assets in any of your accounts held at HTS to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. • Your securities or other assets may be sold without contacting you. Some investors mistakenly believe that HTS or your Financial Professional must contact the customer for a margin call to be valid, and that HTS or your Financial Professional cannot liquidate securities or other assets in customer accounts to meet the call unless HTS or your Financial Professional has contacted customers first. This is not the case. Most firms will attempt to notify customers of margin calls, but firms are not required to do so. However, even if a firm has contacted a customer and provided a specific date by which the customer can meet a margin call, the firm can still take necessary steps to protect their financial interests, including immediately selling the securities without notice to the customer. • You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, HTS or your Financial Professional has the right to decide which security to sell in order to protect HTS’s interests. • “House” maintenance margin requirements may be increased at any time without advance written notice. These changes in HTS’s policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause HTS or your Financial Professional to liquidate 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 be available to customers under certain conditions, a customer does not have a right to the extension. • Please see Schedule A below for additional information regarding HTS’ standard margin rates. The specific rate charged may differ from the rates listed in schedule A. Please contact your Financial Professional for more details.

Interest on Account Balances. All balances in the Cash and Margin account types will be net together. If the netting results in a settled debit, debit interest will be charged. If the netting results in a settled credit, credit interest will be paid. Interest will be charged on those net debit balances that accrue $1.00 or greater of interest during the month. Please consult your Financial Professional for additional information. • You can lose more funds than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to HTS to avoid the forced sale of those securities or other securities or assets in your account(s). • The Firm or HTS can force the sale of securities or other assets in your account(s). If the equity in your account falls below the maintenance margin requirements or HTS’s ’ higher “house” requirements, HTS or your Financial Professional can sell the securities or other assets in any of your accounts held at HTS to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. • Your securities or other assets may be sold without contacting you. Some investors mistakenly believe that HTS or your Financial Professional must contact the customer for a margin call to be valid, and that HTS or your Financial Professional cannot liquidate securities or other assets in customer accounts to meet the call unless HTS or your Financial Professional has have contacted customers first. This is not the case. Most firms will attempt to notify customers of margin calls, but firms are not required to do so. However, even if a firm has contacted a customer and provided a specific date by which the customer can meet a margin call, the firm can still take necessary steps to protect their financial interests, including immediately selling the securities without notice to the customer. • You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, HTS or your Financial Professional has the right to decide which security to sell in order to protect HTS’s ’ interests. • “House” maintenance margin requirements may be increased at any time without advance written notice. These changes in HTS’s ’ policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause HTS or your Financial Professional to liquidate 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 be available to customers under certain conditions, a customer does not have a right to the extension. • Please see Schedule A below for additional information regarding HTS’ standard margin rates. The specific rate charged may differ from the rates listed in schedule A. Please contact your Financial Professional for more details.

Interest on Account Balances. All balances in the Cash and Margin account types will be net together. If the netting results in a settled debit, debit interest will be charged. If the netting results in a settled credit, credit interest will be paid. Interest will be charged on those net debit balances that accrue $1.00 or greater of interest during the month. Please consult your Financial Professional for additional information. • You can lose more funds than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to HTS to avoid the forced sale of those securities or other securities or assets in your account(s). • The Firm or HTS can force the sale of securities or other assets in your account(s). If the equity in your account falls below the maintenance margin requirements or HTS’s higher “house” requirements, HTS or your Financial Professional can sell the securities or other assets in any of your accounts held at HTS to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. • Your securities or other assets may be sold without contacting you. Some investors mistakenly believe that HTS or your Financial Professional must contact the customer for a margin call to be valid, and that HTS or your Financial Professional cannot liquidate securities or other assets in customer accounts to meet the call unless HTS or your Financial Professional has contacted customers first. This is not the case. Most firms will attempt to notify customers of margin calls, but firms are not required to do so. However, even if a firm has contacted a customer and provided a specific date by which the customer can meet a margin call, the firm can still take necessary steps to protect their financial interests, including immediately selling the securities without notice to the customer. • You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, HTS or your Financial Professional has the right to decide which security to sell in order to protect HTS’s interests. • “House” maintenance margin requirements may be increased at any time without advance written notice. These changes in HTS’s policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause HTS or your Financial Professional to liquidate 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 be available to customers under certain conditions, a customer does not have a right to the extension. • Please see Schedule A below for additional information regarding HTS’ standard margin rates. The specific rate charged may differ from the rates listed in schedule Schedule A. Please contact consult your Financial Professional for more detailsProfessional.

Interest on Account Balances. All balances in the Cash and Margin account types will be net together. If the netting results in a settled debit, debit interest will be charged. If the netting results in a settled credit, credit interest will be paid. Interest will be charged on those net debit balances that accrue $1.00 or greater of interest during the month. Please consult your Financial Professional for additional information. • You can lose more funds than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to HTS to avoid the forced sale of those securities or other securities or assets in your account(s). • The Firm or HTS can force the sale of securities or other assets in your account(s). If the equity in your account falls below the maintenance margin requirements or HTS’s ’ higher “house” requirements, HTS or your Financial Professional can sell the securities or other assets in any of your accounts held at HTS to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. • Your securities or other assets may be sold without contacting you. Some investors mistakenly believe that HTS or your Financial Professional must contact the customer for a margin call to be valid, and that HTS or your Financial Professional cannot liquidate securities or other assets in customer accounts to meet the call unless HTS or your Financial Professional has have contacted customers first. This is not the case. Most firms will attempt to notify customers of margin calls, but firms are not required to do so. However, even if a firm has contacted a customer and provided a specific date by which the customer can meet a margin call, the firm can still take necessary steps to protect their the ir financial interests, including immediately selling the securities without notice to the customer. • You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, HTS or your Financial Professional has the right to decide which security to sell in order to protect HTS’s ’ interests. • “House” maintenance margin requirements may be increased at any time without advance written notice. These changes in HTS’s ’ policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause HTS or your Financial Professional to liquidate 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 be available to customers under certain conditions, a customer does not have a right to the extension. • Please see Schedule A below for additional information regarding HTS’ standard margin rates. The specific rate charged may differ from the rates listed in schedule A. Please contact your Financial Professional for more details.

Interest on Account Balances. All balances in the Cash and Margin account types will be net together. If the netting results in a settled debit, debit interest will wil l be charged. If the netting results in a settled credit, credit interest will be paid. Interest will be charged on those net debit balances that accrue $1.00 or greater of interest during the month. Please consult your Financial Professional for additional information. • You can lose more funds than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to HTS to avoid the forced sale of those securities or other securities or assets ass ets in your account(s). • The Firm or HTS can force the sale of securities or other assets in your account(saccount(s ). If the equity in your account falls below the maintenance margin requirements or HTS’s higher “house” requirements, HTS or your Financial Professional can sell the securities or other assets in any of your accounts held at HTS to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. • Your securities or other assets may be sold without contacting you. Some investors mistakenly believe that HTS or your Financial Professional must contact the customer for a margin call to be valid, and that HTS or your Financial Professional cannot liquidate securities or other assets in customer accounts to meet the call unless HTS or your Financial Professional has contacted customers first. This is not the case. Most firms will attempt to notify customers of margin calls, but firms are not n ot required to do so. However, even if a firm has contacted a customer and provided a specific date by which the customer can meet a margin call, the firm can still take necessary steps to t o protect their financial interests, including immediately selling the securities without notice to the customer. • You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, HTS or your Financial Professional has the right to decide which security to sell in order to protect HTS’s interests. • “House” maintenance margin requirements may be increased at any time without advance written notice. These changes in HTS’s policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause HTS or your Financial Professional to liquidate 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 be available to customers under certain conditions, a customer does not have a right to the extension. • Please see Schedule A below for additional information regarding HTS’ standard margin rates. The specific rate charged may differ from the rates listed in schedule Schedule A. Please contact consult your Financial Professional for more detailsProfessional.

Interest on Account Balances. All balances in the Cash and Margin account types will be net together. If the netting results in a settled debit, debit interest inte rest will be charged. If the netting results in a settled credit, credit interest will be paid. Interest will be charged on those net debit balances that accrue $1.00 or greater of interest during the monthmo nth. Please consult your Financial Professional for additional information. • You can lose more funds than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to HTS to avoid the forced sale of those securities or other securities or assets ass ets in your account(s). • The Firm or HTS can force the sale of securities or other assets in your account(saccount(s ). If the equity in your account falls below the maintenance margin requirements or HTS’s higher “house” requirements, HTS or your Financial Professional can sell the securities or other assets in any of your accounts held at HTS to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. • Your securities or other assets may be sold without contacting you. Some investors mistakenly believe that HTS or your Financial Professional must contact the customer for a margin call to be valid, and that HTS or your Financial Professional cannot liquidate securities or other assets in customer accounts to meet the call unless HTS or your Financial Professional has contacted customers first. This is not the case. Most firms will attempt to notify customers of margin calls, but firms are not n ot required to do so. However, even if a firm has contacted a customer and provided a specific date by which the customer can meet a margin call, the firm can still take necessary steps to t o protect their financial interests, including immediately selling the securities without notice to the customer. • You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, HTS or your Financial Professional has the right to decide which security to sell in order to protect HTS’s interests. • “House” maintenance margin requirements may be increased at any time without advance written notice. These changes in HTS’s policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause HTS or your Financial Professional to liquidate 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 be available to customers under certain conditions, a customer does not have a right to the extension. • Please see Schedule A below for additional information regarding HTS’ standard margin rates. The specific rate charged may differ from the rates listed in schedule Schedule A. Please contact consult your Financial Professional for more detailsProfessional.

Interest on Account Balances. All balances in the Cash and Margin account types will be net together. If the netting results in a settled debit, debit interest will be charged. If the netting results in a settled credit, credit interest will be paid. Interest will be charged on those net debit balances that accrue $1.00 or greater of interest during the month. Please consult your Financial Professional for additional information. • You can lose more funds than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to HTS to avoid the forced sale of those securities or other securities or assets in your account(s). • The Firm or HTS can force the sale of securities or other assets in your account(s). If the equity in your account falls below the maintenance margin requirements or HTS’s higher “house” requirements, HTS or your Financial Professional can sell the securities or other assets in any of your accounts held at HTS to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. • Your securities or other assets may be sold without contacting you. Some investors mistakenly believe that HTS or your Financial Professional must contact the customer for a margin call to be valid, and that HTS or your Financial Professional cannot liquidate securities or other assets in customer accounts to meet the call unless HTS or your Financial Professional has contacted customers first. This is not the case. Most firms will attempt to notify customers of margin calls, but firms are not required require d to do so. However, even if a firm has contacted a customer and provided a specific date by which the customer can meet a margin call, the firm can still take necessary steps to protect their the ir financial interests, including immediately selling the securities without notice to the customer. • You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, HTS or your Financial Professional has the right to decide which security to sell in order to protect HTS’s interests. • “House” maintenance margin requirements may be increased at any time without advance written notice. These changes in HTS’s policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause HTS or your Financial Professional to liquidate 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 be available to customers under certain conditions, a customer does not have a right to the extension. • Please see Schedule A below for additional information regarding HTS’ standard margin rates. The specific rate charged may differ from the rates listed in schedule A. Please contact your Financial Professional for more details.

Interest on Account Balances. All balances in the Cash and Margin account types will be net together. If the netting results in a settled debit, debit interest will be charged. If the netting results in a settled credit, credit interest will be paid. Interest will be charged on those net debit balances that accrue $1.00 or greater of interest during the month. Please consult your Financial Professional for additional information. • You can lose more funds than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to HTS to avoid the forced sale of those securities or other securities or assets in your account(s). • The Firm or HTS can force the sale of securities or other assets in your account(s). If the equity in your account falls below the maintenance margin requirements or HTS’s higher “house” requirements, HTS or your Financial Professional can sell the securities or other assets in any of your accounts held at HTS to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. • Your securities or other assets may be sold without contacting you. Some investors mistakenly believe that HTS or your Financial Professional must contact the customer for a margin call to be valid, and that HTS or your Financial Professional cannot liquidate securities or other assets in customer accounts to meet the call unless HTS or your Financial Professional has contacted customers first. This is not the case. Most firms will attempt to notify customers of margin calls, but firms are not required to do so. However, even if a firm has contacted a customer and provided a specific date by which the customer can meet a margin call, the firm can still take necessary steps to protect their financial interests, including immediately selling the securities without notice to the customer. • You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, HTS or your Financial Professional has the right to decide which security to sell in order to protect HTS’s interests. • “House” maintenance margin requirements may be increased at any time without advance written notice. These changes in HTS’s policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause HTS or your Financial Professional to liquidate 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 be available to customers under certain conditions, a customer does not have a right to the extension. • Please see Schedule A below for additional information regarding HTS’ standard margin rates. The specific rate charged may differ from the rates listed in schedule Schedule A. Please contact consult your Financial Professional for more details.

Interest on Account Balances. All balances in the Cash and Margin account types will be net together. If the netting results in a settled debit, debit interest will be charged. If the netting results in a settled credit, credit interest will be paid. Interest will be charged on those net debit balances that accrue $1.00 or greater of interest during the month. Please consult your Financial Professional for additional information. • You can lose more funds than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to HTS to avoid the forced sale of those securities or other securities or assets in your account(s). • The Firm or HTS can force the sale of securities or other assets in your account(s). If the equity in your account falls below the maintenance margin requirements or HTS’s ’ higher “house” requirements, HTS or your Financial Professional can sell the securities or other assets in any of your accounts held at HTS to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. • Your securities or other assets may be sold without contacting you. Some investors mistakenly believe that HTS or your Financial Professional must contact the customer for a margin call to be valid, and that HTS or your Financial Professional cannot liquidate securities or other assets in customer accounts to meet the call unless HTS or your Financial Professional has have contacted customers first. This is not the case. Most firms will attempt to notify customers of margin calls, but firms are not no t required to do so. However, even if a firm has contacted a customer and provided a specific date by which the customer can meet a margin call, the firm can still take necessary steps to protect their the ir financial interests, including immediately selling the securities without notice to the customer. • You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, HTS or your Financial Professional has the right to decide which security to sell in order to protect HTS’s ’ interests. • “House” maintenance margin requirements may be increased at any time without advance written notice. These changes in HTS’s ’ policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause HTS or your Financial Professional to liquidate 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 be available to customers under certain conditions, a customer does not have a right to the extension. • Please see Schedule A below for additional information regarding HTS’ standard margin rates. The specific rate charged may differ from the rates listed in schedule A. Please contact your Financial Professional for more details.

Interest on Account Balances. All balances in the Cash and Margin account types will be net together. If the netting results in a settled debit, debit interest will be charged. If the netting results in a settled credit, credit interest will be paid. Interest will be charged on those net debit balances that accrue $1.00 or greater of interest during the month. Please consult your Financial Professional for additional information. • You can lose more funds than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to HTS to avoid the forced sale of those securities or other securities or assets in your account(s). • The Firm or HTS can force the sale of securities or other assets in your account(s). If the equity in your account falls below the maintenance margin requirements or HTS’s ’ higher “house” requirements, HTS or your Financial Professional can sell the securities or other assets in any of your accounts held at HTS to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. • Your securities or other assets may be sold without contacting you. Some investors mistakenly believe that HTS or your Financial Professional must contact the customer for a margin call to be valid, and that HTS or your Financial Professional cannot liquidate securities or other assets in customer accounts to meet the call unless HTS or your Financial Professional has have contacted customers first. This is not the case. Most firms will attempt to notify customers of margin calls, but firms are not required to do so. However, even if a firm has contacted a customer and provided a specific date by which the customer can meet a margin call, the firm can still take necessary steps to protect their financial interests, including immediately selling the securities without notice to the customer. • You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, HTS or your Financial Professional has the right to decide which security to sell in order to protect HTS’s ’ interests. • “House” maintenance margin requirements may be increased at any time without advance written notice. These changes in HTS’s ’ policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause HTS or your Financial Professional to liquidate 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 be available to customers under certain conditions, a customer does not have a right to the extension. • Please see Schedule A below for additional information regarding HTS’ standard margin rates. The specific rate charged may differ from the rates listed in schedule A. Please contact MARGIN & SHORT ACCOUNT AGREEMENT In consideration for HTS and your Financial Professional for opening or maintaining one or more details.margin accounts on your behalf, you confirm and agree to the following:

Interest on Account Balances. All balances in the Cash and Margin account types will be net together. If the netting results in a settled debit, debit interest will be charged. If the netting results in a settled credit, credit interest will be paid. Interest will be charged on those net debit balances that accrue $1.00 or greater of interest during the month. Please consult your Financial Professional for additional information. • You can lose more funds than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to HTS to avoid the forced sale of those securities or other securities or assets in your account(s). • The Firm or HTS can force the sale of securities or other assets in your account(s). If the equity in your account falls below the maintenance margin requirements or HTS’s higher “house” requirements, HTS or your Financial Professional can sell the securities or other assets in any of your accounts held at HTS to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. • Your securities or other assets may be sold without contacting you. Some investors mistakenly believe that HTS or your Financial Professional must contact the customer for a margin call to be valid, and that HTS or your Financial Professional cannot liquidate securities or other assets in customer accounts to meet the call unless HTS or your Financial Professional has contacted customers first. This is not the case. Most firms will attempt to notify customers of margin calls, but firms are not required to do so. However, even if a firm has contacted a customer and provided a specific date by which the customer can meet a margin call, the firm can still take necessary steps to protect their financial interests, including immediately selling the securities without notice to the customer. • You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, HTS or your Financial Professional has the right to decide which security to sell in order to protect HTS’s interests. • “House” maintenance margin requirements may be increased at any time without advance written notice. These changes in HTS’s policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause HTS or your Financial Professional to liquidate 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 be available to customers under certain conditions, a customer does not have a right to the extension. • Please see Schedule A below for additional information regarding HTS’ standard margin rates. The specific rate charged may differ from the rates listed in schedule A. Please contact your Financial Professional for more details.details MARGIN & SHORT ACCOUNT AGREEMENT In consideration for HTS and your Financial Professional opening or maintaining one or more margin accounts on your behalf, you confirm and agree to the following: