Common use of Investments and Instructions Clause in Contracts

Investments and Instructions. Investments must be registered and held in the Account in the form and manner required by Xxxxxx Xxxxx. Unless I have entered into an Xxxxxx Xxxxx investment advisory agreement that states otherwise, Xxxxxx Xxxxx will not act as an investment adviser to me, shall have no obligation or discretion to direct the investment of my Account and is merely authorized to hold the particular investments specified by me. Xxxxxx Xxxxx shall not question any such directions. I understand and agree that I can: (1) hold only investments approved by Xxxxxx Xxxxx as hold-eligible, and (2) purchase only investments approved by Xxxxxx Xxxxx as purchase- eligible. Xxxxxx Xxxxx, at its discretion, can modify eligible investments at any time. If Xxxxxx Xxxxx notifies me that an investment may no longer be held in my Account, I agree to remove the investment from my Account within the time frame determined by Xxxxxx Xxxxx. I agree that if I do not provide instructions to remove the investment, Xxxxxx Xxxxx has the right to liquidate or distribute that investment to me and/or terminate my Account in accordance with the terms of this Agreement. I understand that distribution of such investment may result in adverse tax consequences. Certain additional services are authorized by this Agreement and may be activated upon request, including, but not limited to, check writing, electronic transfers and electronic delivery of statements and/or other information (“Additional Services”). The availability of these Additional Services is subject to approval and may vary by account type or investment. Additional Services may be subject to separate terms and conditions and the applicable Schedule of Fees in effect from time to time, which are available at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxx. Xxxxxx Xxxxx offers a sweep program that provides clients, depending on their account type, with the option to automatically transfer uninvested cash in their account (“Free Credit Balances”) to either a money market mutual fund or a bank whose deposits are insured by the Federal Deposit Insurance Corporation (“Sweep Program”). The products offered in the Sweep Program are the Xxxxxx Xxxxx Money Market Fund (“Fund”) and the Xxxxxx Xxxxx Insured Bank Deposit Program (“Bank Program”). By choosing one of these as my sweep product, I consent to have Free Credit Balances in my Account included in the Sweep Program. Clients should review the terms, interest rates, and other features and tradeoffs of the Sweep Program with their financial advisor. Interest rates are available on Xxxxxx Xxxxx’ website at www. xxxxxxxxxxx.xxx/xxxxx If my Account is an Xxxxxx Xxxxx investment advisory account, my cash balances awaiting investment will be held in accordance with the terms of the investment advisory agreement applicable to my Account. If my Account is not an Xxxxxx Xxxxx investment advisory account, the following terms apply: (i) As of February 9, 2019, if I am currently utilizing the Fund as my sweep product, my Free Credit Balances will continue to be automatically transferred to the Fund unless I change my selection thereafter, in which case, I may not select the Fund again as a sweep product. (ii) As of February 9, 2019, if I am not currently utilizing the Fund as my sweep product, the Fund will no longer be available as an option. In that case, consistent with my direction, my Free Credit Balances will be automatically transferred to the Bank Program or held as cash and eligible to receive interest thereon (“Cash Interest”). I acknowledge and agree that funds held as Cash Interest are awaiting investment and should not be held in Cash Interest solely for the purpose of earning interest. If I do not intend to invest funds held as Cash Interest in the future, I agree to notify my financial advisor and will transfer the funds to another available cash option, such as the Bank Program, or withdraw them from my Account, in a timely manner. Certain terms and conditions apply to the Bank Program. Investment in the Fund is subject to the terms and conditions set forth in the Fund prospectus. The Program Disclosure for the Bank Program and the Fund prospectus are available from my financial advisor or on Xxxxxx Xxxxx’ website at www. xxxxxxxxxxx.xxx/xxxxxxxxxxx. Xxxxxx Xxxxx may change the products available under the Sweep Program at any time. If I have not given other directions to Xxxxxx Xxxxx, I hereby elect and authorize Xxxxxx Xxxxx, acting as my agent, to deposit and hold some or all of my Free Credit Balances as Cash Interest in Customer Reserve Accounts. If Xxxxxx Xxxxx holds Free Credit Balances in Customer Reserve Accounts on my behalf, certain terms and conditions apply, which are available from my financial advisor or on Xxxxxx Xxxxx’ website at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxx. I further agree that Xxxxxx Xxxxx shall be appointed as “custodial owner” on any annuity contract in my Account and, to the extent Xxxxxx Xxxxx is not so appointed, I agree Xxxxxx Xxxxx shall be able to resign as agent of record for any annuity contract in my Account without any further consent or other action by me or on my behalf.

Investments and Instructions. Investments must be registered and held in the Account in the form and manner required by Xxxxxx Xxxxx. Unless I have entered into an Xxxxxx Xxxxx investment advisory agreement that states otherwise, Xxxxxx Xxxxx will not act as an investment adviser to me, shall have no obligation or discretion to direct the investment of my Account and is merely authorized to hold the particular investments specified by me. Xxxxxx Xxxxx shall not question any such directions. I understand and agree that I can: (1) hold only investments approved by Xxxxxx Xxxxx as hold-eligible, eligible and (2) purchase only investments approved by Xxxxxx Xxxxx as purchase- purchase-eligible. Xxxxxx Xxxxx, at its discretion, can modify eligible investments at any time. If Xxxxxx Xxxxx notifies me that an investment may no longer be held in my Account, I agree to remove the investment from my Account within the time frame determined by Xxxxxx Xxxxx. I agree that if I do not provide instructions to remove the investmentinvestment within the time frame provided by Xxxxxx Xxxxx, Xxxxxx Xxxxx has the right right, in its sole discretion, to liquidate or distribute that investment to me and/or terminate my Account in accordance with the terms of this Agreement. I understand that distribution of such an investment and/ or termination of my Account may result in adverse tax consequences. Certain additional services are authorized by this Agreement consequences to me and may Xxxxxx Xxxxx shall not be activated upon request, including, but not limited to, check writing, electronic transfers and electronic delivery of statements and/or other information (“Additional Services”). The availability of these Additional Services is subject to approval and may vary by account type liable for any loss or investment. Additional Services may be subject to separate terms and conditions and the applicable Schedule of Fees in effect from time to time, which are available at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxxexpense associated with such distribution or termination. Xxxxxx Xxxxx offers a sweep program that provides clients, depending on their account type, with the option to automatically transfer uninvested cash in their account (“Free Credit Balances”) to either a money market mutual fund or a bank whose deposits are insured by the Federal Deposit Insurance Corporation (“Sweep Program”). The products offered in the Sweep Program are the Xxxxxx Xxxxx Money Market Fund (“Fund”) and the Xxxxxx Xxxxx Insured Bank Deposit Program (“Bank Program”). By choosing one of these as my sweep product, I consent to have Free Credit Balances in my Account included in the Sweep Program. Clients should review the terms, interest rates, and other features and tradeoffs of the Sweep Program with their financial advisor. Interest rates are available on Xxxxxx Xxxxx’ website at wwwxxxxxxxxxxx.xxx/xxxxx. xxxxxxxxxxx.xxx/xxxxx If my Account is an Xxxxxx Xxxxx investment advisory account, my cash balances awaiting investment will be held in accordance with the terms of the investment advisory agreement applicable to my Account. If my Account is not an Xxxxxx Xxxxx investment advisory account, the following terms apply: (i) As of February 9, 2019, if I am currently utilizing the Fund as my sweep product, my Free Credit Balances will continue to be automatically transferred to the Fund unless I change my selection thereafter, in which case, I may not select the Fund again as a sweep product. (ii) As of February 9, 2019, if I am not currently utilizing the Fund as my sweep product, the Fund will no longer be available as an option. In that case, consistent with my direction, my Free Credit Balances will be automatically transferred to the Bank Program or held as cash and eligible to receive interest thereon (“Cash Interest”). I acknowledge and agree that funds held as Cash Interest are awaiting investment and should not be held in Cash Interest solely for the purpose of earning interest. If I do not intend to invest funds held as Cash Interest in the future, I agree to notify my financial advisor and will transfer the funds to another available cash option, such as the Bank Program, Program or withdraw them from my Account, in a timely manner. Certain terms and conditions apply to the Bank Program. Investment in the Fund is subject to the terms and conditions set forth in the Fund prospectus. The Program Disclosure for the Bank Program and the Fund prospectus are available from my financial advisor or on Xxxxxx Xxxxx’ website at www. xxxxxxxxxxx.xxx/xxxxxxxxxxx. Xxxxxx Xxxxx may change the products available under the Sweep Program at any time. If I have not given other directions to Xxxxxx Xxxxx, I hereby elect and authorize Xxxxxx Xxxxx, acting as my agent, to deposit and hold some or all of my Free Credit Balances as Cash Interest in Customer Reserve Accounts. If Xxxxxx Xxxxx holds Free Credit Balances in Customer Reserve Accounts on my behalf, certain terms and conditions apply, which are available from my financial advisor or on Xxxxxx Xxxxx’ website at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx. I further agree that Xxxxxx Xxxxx or EJTC shall be appointed as “custodial owner” on any annuity contract in my Account and, to the extent Xxxxxx Xxxxx or EJTC is not so appointed, I agree Xxxxxx Xxxxx or EJTC shall be able to resign as agent of record for any annuity contract in my Account without any further consent or other action by me or on my behalf.

Investments and Instructions. Investments must be registered and held in the Account in the form and manner required by Xxxxxx Xxxxx. Unless I have entered into an Xxxxxx Xxxxx investment advisory agreement that states otherwise, Xxxxxx Xxxxx will not act as an investment adviser to me, shall have no obligation or discretion to direct the investment of my Account and is merely authorized to hold the particular investments specified by me. Xxxxxx Xxxxx shall not question any such directions. I understand and agree that I can: (1) hold only investments approved by Xxxxxx Xxxxx as hold-eligible, –eligible and (2) purchase only investments approved by Xxxxxx Xxxxx as purchase- purchase–eligible. Xxxxxx Xxxxx, at its discretion, can modify eligible investments at any time. If Xxxxxx Xxxxx notifies me that an investment may no longer be held in my Account, I agree to remove the investment from my Account within the time frame determined by Xxxxxx Xxxxx. I agree that if I do not provide instructions to remove the investment, Xxxxxx Xxxxx has the right to liquidate or distribute that investment to me and/or terminate my Account in accordance with the terms of this Agreement. I understand that distribution of such an investment may result in adverse tax consequences. Certain additional services are authorized by this Agreement and may be activated upon request, including, but not limited to, check writing, electronic transfers and electronic delivery of statements and/or other information (“Additional Services”). The availability of these Additional Services is subject to approval and may vary by account type or investment. Additional Services may be subject to separate terms and conditions and the applicable Schedule of Fees in effect from time to time, which are available at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxx. Xxxxxx Xxxxx offers a sweep program that provides clients, depending on their account type, with the option to automatically transfer uninvested cash in their account (“Free Credit Balances”) to either a money market mutual fund or a bank whose deposits are insured by the Federal Deposit Insurance Corporation (“Sweep Program”). The products offered in the Sweep Program are the Xxxxxx Xxxxx Money Market Fund (“Fund”) and the Xxxxxx Xxxxx Insured Bank Deposit Program (“Bank Program”). By choosing one of these as my sweep product, I consent to have Free Credit Balances in my Account included in the Sweep Program. Clients should review the terms, interest rates, and other features and tradeoffs of the Sweep Program with their financial advisor. Interest rates are available on Xxxxxx Xxxxx’ website at wwwxxx.xxxxxxxxxxx.xxx/xxxxx. xxxxxxxxxxx.xxx/xxxxx If my Account is an Xxxxxx Xxxxx investment advisory account, my cash balances awaiting investment will be held in accordance with the terms of the investment advisory agreement applicable to my Account. If my Account is not an Xxxxxx Xxxxx investment advisory account, the following terms apply: (i) As of February 9, 2019, if I am currently utilizing the Fund as my sweep product, my Free Credit Balances will continue to be automatically transferred to the Fund unless I change my selection thereafter, in which case, I may not select the Fund again as a sweep product. (ii) As of February 9, 2019, if I am not currently utilizing the Fund as my sweep product, the Fund will no longer be available as an option. In that case, consistent with my direction, my Free Credit Balances will be automatically transferred to the Bank Program or held as cash and eligible to receive interest thereon (“Cash Interest”). I acknowledge and agree that funds held as Cash Interest are awaiting investment and should not be held in Cash Interest solely for the purpose of earning interest. If I do not intend to invest funds held as Cash Interest in the future, I agree to notify my financial advisor and will transfer the funds to another available cash option, such as the Bank Program, Program or withdraw them from my Account, in a timely manner. Certain terms and conditions apply to the Bank Program. Investment in the Fund is subject to the terms and conditions set forth in the Fund prospectus. The Program Disclosure for the Bank Program and the Fund prospectus are available from my financial advisor or on Xxxxxx Xxxxx’ website at www. xxxxxxxxxxx.xxx/xxxxxxxxxxxxxx.xxxxxxxxxxx.xxx/xxxxxxxxxxx. Xxxxxx Xxxxx may change the products available under the Sweep Program at any time. If I have not given other directions to Xxxxxx Xxxxx, I hereby elect and authorize Xxxxxx Xxxxx, acting as my agent, to deposit and hold some or all of my Free Credit Balances as Cash Interest in Customer Reserve Accounts. If Xxxxxx Xxxxx holds Free Credit Balances in Customer Reserve Accounts on my behalf, certain terms and conditions apply, which are available from my financial advisor or on Xxxxxx Xxxxx’ website at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxx. I further agree that Xxxxxx Xxxxx or EJTC shall be appointed as “custodial owner” on any annuity contract in my Account and, to the extent Xxxxxx Xxxxx or EJTC is not so appointed, I agree Xxxxxx Xxxxx or EJTC shall be able to resign as agent of record for any annuity contract in my Account without any further consent or other action by me or on my behalf.

Investments and Instructions. Investments must be registered and held in the Account account in the form and manner required by Xxxxxx Xxxxx. Unless I have entered into an Xxxxxx Xxxxx investment advisory agreement that states otherwise, Xxxxxx Xxxxx will not act as an investment adviser to me, shall have no obligation or discretion to direct the investment of my Account and is merely authorized to hold the particular investments specified by me. Xxxxxx Xxxxx shall not question any such directions. I understand and agree that I can: (1) hold only investments approved by Xxxxxx Xxxxx as hold-eligible, and (2) purchase only investments approved by Xxxxxx Xxxxx as purchase- purchase-eligible. Xxxxxx Xxxxx, at its discretion, can modify eligible investments at any time. If Xxxxxx Xxxxx notifies me that an investment may no longer be held in my Account, I agree to remove the investment from my Account within the time frame determined by Xxxxxx Xxxxx. I agree that if I do not provide instructions to remove the investment, Xxxxxx Xxxxx has the right to liquidate or distribute that investment to me and/or terminate my Account in accordance with the terms of this Agreement. I understand that distribution of such an investment may result in adverse tax consequences. Certain additional services are authorized by this Agreement and may be activated upon request, including, but not limited to, check writing, electronic transfers and electronic delivery of statements and/or other information (“Additional Services”). The availability of these Additional Services is subject to approval and may vary by account type or investment. Additional Services may be subject to separate terms and conditions and the applicable Schedule of Fees in effect from time to time, which are available at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxx. Xxxxxx Xxxxx offers a sweep program that provides clients, depending on their account type, with the option to automatically transfer uninvested cash in their account (“Free Credit Balances”) to either a money market mutual fund or a bank whose deposits are insured by the Federal Deposit Insurance Corporation (“Sweep Program”). The products offered in the Sweep Program are the Xxxxxx Xxxxx Money Market Fund (“Fund”) and the Xxxxxx Xxxxx Insured Bank Deposit Program (“Bank Program”). By choosing one of these as my sweep product, I consent to have Free Credit Balances in my Account included in the Sweep Program. Clients should review the terms, interest rates, and other features and tradeoffs of the Sweep Program with their financial advisor. Interest rates are available on Xxxxxx Xxxxx’ website at wwwxxx.xxxxxxxxxxx.xxx/xxxxx. xxxxxxxxxxx.xxx/xxxxx If my Account is an Xxxxxx Xxxxx investment advisory account, my cash balances awaiting investment will be held in accordance with the terms of the investment advisory agreement applicable to my Account. If my Account is not an Xxxxxx Xxxxx investment advisory account, the following terms apply: (i) As of February 9, 2019, if I am currently utilizing the Fund as my sweep product, my Free Credit Balances will continue to be automatically transferred to the Fund unless I change my selection thereafter, in which case, I may not select the Fund again as a sweep product. (ii) As of February 9, 2019, if I am not currently utilizing the Fund as my sweep product, the Fund will no longer be available as an option. In that case, consistent with my direction, my Free Credit Balances will be automatically transferred to the Bank Program or held as cash and eligible to receive interest thereon (“Cash Interest”). I acknowledge and agree that funds held as Cash Interest are awaiting investment and should not be held in Cash Interest solely for the purpose of earning interest. If I do not intend to invest funds held as Cash Interest in the future, I agree to notify my financial advisor and will transfer the funds to another available cash option, such as the Bank Program, or withdraw them from my Account, in a timely manner. Certain terms and conditions apply to the Bank Program. Investment in the Fund is subject to the terms and conditions set forth in the Fund prospectus. The Program Disclosure for the Bank Program and the Fund prospectus are available from my financial advisor or on Xxxxxx Xxxxx’ website at www. xxxxxxxxxxx.xxx/xxxxxxxxxxxxxx.xxxxxxxxxxx.xxx/ disclosures. Xxxxxx Xxxxx may change the products available under the Sweep Program at any time. If I have not given other directions to Xxxxxx Xxxxx, I hereby elect and authorize Xxxxxx Xxxxx, acting as my agent, to deposit and hold some or all of my Free Credit Balances as Cash Interest in Customer Reserve Accounts. If Xxxxxx Xxxxx holds Free Credit Balances in Customer Reserve Accounts on my behalf, certain terms and conditions apply, which are available from my financial advisor or on Xxxxxx Xxxxx’ website at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxx. I further agree that Xxxxxx Xxxxx shall may be appointed as “custodial owner” on any annuity contract in my Account and, to the extent Xxxxxx Xxxxx is not so appointed, I agree Xxxxxx Xxxxx shall be able to resign as agent of record for any annuity contract in my Account without any further consent or other action by me or on my behalf.

Investments and Instructions. Investments must be registered and held in the Account in the form and manner required by Xxxxxx Xxxxx. Unless I have entered into an Xxxxxx Xxxxx investment advisory agreement that states otherwise, Xxxxxx Xxxxx will not act as an investment adviser to me, shall have no obligation or discretion to direct the investment of my Account and is merely authorized to hold the particular investments specified by me. Xxxxxx Xxxxx shall not question any such directions. I understand and agree that I can: (1) hold only investments approved by Xxxxxx Xxxxx as hold-eligible, eligible and (2) purchase only investments approved by Xxxxxx Xxxxx as purchase- purchase eligible. Xxxxxx Xxxxx, at its discretion, can modify eligible investments at any time. If Xxxxxx Xxxxx notifies me that an investment may no longer be held in my Account, I agree to remove the investment from my Account within the time frame determined by Xxxxxx Xxxxx. I agree that if I do not provide instructions to remove the investment, Xxxxxx Xxxxx has the right to liquidate or distribute that investment to me and/or terminate my Account in accordance with the terms of this Agreement. I understand that distribution of such an investment may result in adverse tax consequences. Certain additional services are authorized by this Agreement and may be activated upon request, including, but not limited to, check writing, electronic transfers and electronic delivery of statements and/or other information (“Additional Services”). The availability of these Additional Services is subject to approval and may vary by account type or investment. Additional Services may be subject to separate terms and conditions and the applicable Schedule of Fees in effect from time to time, which are available at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxx. Xxxxxx Xxxxx offers a sweep program that provides clients, depending on their account type, with the option to automatically transfer uninvested cash in their account (“Free Credit Balances”) to either a money market mutual fund or a bank whose deposits are insured by the Federal Deposit Insurance Corporation (“Sweep Program”). The products offered in the Sweep Program are the Xxxxxx Xxxxx Money Market Fund (“Fund”) and the Xxxxxx Xxxxx Insured Bank Deposit Program (“Bank Program”). By choosing one of these as my sweep product, I consent to have Free Credit Balances in my Account included in the Sweep Program. Clients should review the terms, interest rates, and other features and tradeoffs of the Sweep Program with their financial advisor. Interest rates are available on Xxxxxx Xxxxx’ website at wwwxxx.xxxxxxxxxxx.xxx/xxxxx. xxxxxxxxxxx.xxx/xxxxx If my Account is an Xxxxxx Xxxxx investment advisory account, my cash balances awaiting investment will be held in accordance with the terms of the investment advisory agreement applicable to my Account. If my Account is not an Xxxxxx Xxxxx investment advisory account, the following terms apply: (i) As of February 9, 2019, if I am currently utilizing the Fund as my sweep product, my Free Credit Balances will continue to be automatically transferred to the Fund unless I change my selection thereafter, in which case, I may not select the Fund again as a sweep product. (ii) As of February 9, 2019, if I am not currently utilizing the Fund as my sweep product, the Fund will no longer be available as an option. In that case, consistent with my direction, my Free Credit Balances will be automatically transferred to the Bank Program or held as cash and eligible to receive interest thereon (“Cash Interest”). I acknowledge and agree that funds held as Cash Interest are awaiting investment and should not be held in Cash Interest solely for the purpose of earning interest. If I do not intend to invest funds held as Cash Interest in the future, I agree to notify my financial advisor and will transfer the funds to another available cash option, such as the Bank Program, Program or withdraw them from my Account, in a timely manner. Certain terms and conditions apply to the Bank Program. Investment in the Fund is subject to the terms and conditions set forth in the Fund prospectus. The Program Disclosure for the Bank Program and the Fund prospectus are available from my financial advisor or on Xxxxxx Xxxxx’ website at www. xxxxxxxxxxx.xxx/xxxxxxxxxxx. Xxxxxx Xxxxx may change the products available under the Sweep Program at any time. If I have not given other directions to Xxxxxx Xxxxx, I hereby elect and authorize Xxxxxx Xxxxx, acting as my agent, to deposit and hold some or all of my Free Credit Balances as Cash Interest in Customer Reserve Accounts. If Xxxxxx Xxxxx holds Free Credit Balances in Customer Reserve Accounts on my behalf, certain terms and conditions apply, which are available from my financial advisor or on Xxxxxx Xxxxx’ website at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxx. I further agree that Xxxxxx Xxxxx shall be appointed as “custodial owner” on any annuity contract in my Account and, to the extent Xxxxxx Xxxxx is not so appointed, I agree Xxxxxx Xxxxx shall be able to resign as agent of record for any annuity contract in my Account without any further consent or other action by me or on my behalf.

Investments and Instructions. Investments must be registered and held in the Account in the form and manner required by Xxxxxx XxxxxEJTC. Unless I have entered into an Xxxxxx Xxxxx investment advisory agreement that states otherwise, Xxxxxx Xxxxx will not act as an investment adviser to me, EJTC shall have no obligation or discretion to direct the investment of my Account and is merely authorized to hold the particular investments specified by me. Xxxxxx Xxxxx EJTC shall not question any such directions. I understand and agree that I can: (1) hold only investments approved by Xxxxxx Xxxxx as hold-eligible, and (2) purchase only investments approved by Xxxxxx Xxxxx as purchase- eligible. Xxxxxx Xxxxx, at its discretion, can modify eligible investments at review any time. If Xxxxxx Xxxxx notifies me that an investment may no longer be securities or other property held in my Account, I agree or render advice to remove me with respect to the investment from retention, or disposition of any assets held in my Account within the time frame determined by Xxxxxx XxxxxAccount. I agree that if I do EJTC will not provide instructions act as investment adviser to remove the investment, Xxxxxx Xxxxx has the right to liquidate or distribute that investment to me and/or terminate my Account in accordance with the terms of this Agreement. I understand that distribution of such investment may result in adverse tax consequencesme. Certain additional services are authorized by this Agreement and may be activated upon request, including, but not limited to, check writing, electronic transfers and electronic delivery of statements and/or other information (“Additional Services”). The availability of these Additional Services is subject to approval and may vary by account type or investment. Additional Services may be subject to separate terms and conditions and the applicable Schedule of Fees in effect from time to time, which are available at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx. Xxxxxx Xxxxx offers a sweep program that provides clients, depending on their account type, with the option to automatically transfer uninvested cash in their account (“Free Credit Balances”) to either a money market mutual fund or a bank whose deposits are insured by the Federal Deposit Insurance Corporation (“Sweep Program”). The products offered in the Sweep Program are the Xxxxxx Xxxxx Money Market Fund (“Fund”) and the Xxxxxx Xxxxx Insured Bank Deposit Program (“Bank Program”). By choosing one of these as my sweep product, I consent to have Free Credit Balances in my Account included in the Sweep Program. Clients should review the terms, interest rates, and other features and tradeoffs of the Sweep Program with their financial advisor. Interest rates are available on Xxxxxx Xxxxx’ website at www. xxxxxxxxxxx.xxx/xxxxx If my Account is an Xxxxxx Xxxxx investment advisory account, my cash balances awaiting investment will be held in accordance with the terms of the investment advisory agreement applicable to my Account. If my Account is not an Xxxxxx Xxxxx investment advisory account, the following terms apply: (i) As of February 9, 2019, if I am currently utilizing the Fund as my sweep product, my Free Credit Balances will continue to be automatically transferred to the Fund unless I change my selection thereafter, in which case, I may not select the Fund again as a sweep product. (ii) As of February 9, 2019, if I am not currently utilizing the Fund as my sweep product, the Fund will no longer be available as an option. In that case, consistent with my direction, my Free Credit Balances will be automatically transferred to the Bank Program or held as cash and eligible to receive interest thereon (“Cash Interest”). I acknowledge and agree that funds held as Cash Interest are awaiting investment and should not be held in Cash Interest solely for the purpose of earning interestinvestment. If I do not intend to invest funds held as Cash Interest in the future, I agree to notify my financial advisor and will transfer the funds to another available cash option, such as the Bank Program, option or withdraw them from my Account, in a timely manner. Certain terms and conditions apply to the Bank Program. Investment in the Fund is subject to the terms and conditions set forth in the Fund prospectus. The Program Disclosure for the Bank Program and the Fund prospectus are available from my financial advisor or on Xxxxxx Xxxxx’ website at www. xxxxxxxxxxx.xxx/xxxxxxxxxxx. Xxxxxx Xxxxx may change the products available under the Sweep Program at any time. If I have not given other directions to Xxxxxx Xxxxx, I hereby elect and authorize Xxxxxx Xxxxx, acting as my agent, to deposit and hold some or all of my Free Credit Balances as Cash Interest in Customer Reserve Accounts. If Xxxxxx Xxxxx holds Free Credit Balances in Customer Reserve Accounts on my behalf, certain terms and conditions apply, which are available from my financial advisor or on Xxxxxx Xxxxx’ website at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxx. I further agree that Xxxxxx Xxxxx shall be appointed as “custodial owner” on any annuity contract in my Account and, to the extent Xxxxxx Xxxxx is not so appointed, I agree Xxxxxx Xxxxx shall be able to resign as agent of record for any annuity contract in my Account without any further consent or other action by me or on my behalfxxxxxxxxxxx.xxx/xxxxxxxxxxx.

Investments and Instructions. Investments must be registered and held in the Account in the form and manner required by Xxxxxx Xxxxx. Unless I have entered into an Xxxxxx Xxxxx investment advisory agreement that states otherwise, Xxxxxx Xxxxx will not act as an investment adviser to me, shall have no obligation or discretion to direct the investment of my Account and is merely authorized to hold the particular investments specified by me. Xxxxxx Xxxxx shall not question any such directions. I understand and agree that I can: (1) hold only investments approved by Xxxxxx Xxxxx as hold-eligible, eligible and (2) purchase only investments approved by Xxxxxx Xxxxx as purchase- purchase eligible. Xxxxxx Xxxxx, at its discretion, can modify eligible investments at any time. If Xxxxxx Xxxxx notifies me that an investment may no longer be held in my Account, I agree to remove the investment from my Account within the time frame determined by Xxxxxx Xxxxx. I agree that if I do not provide instructions to remove the investmentinvestment within the time frame provided by Xxxxxx Xxxxx, Xxxxxx Xxxxx has the right right, in its sole discretion, to liquidate or distribute that investment to me and/or terminate my Account in accordance with the terms of this Agreement. I understand that distribution of such an investment and/or termination of my Account may result in adverse tax consequencesconsequences to me and Xxxxxx Xxxxx shall not be liable for any loss or expense associated with such distribution or termination. Certain additional services are authorized by this Agreement and may be activated upon request, including, but not limited to, check writing, electronic transfers and electronic delivery of statements and/or other information (“Additional Services”). The availability of these Additional Services is subject to approval and may vary by account type or investment. Additional Services may be subject to separate terms and conditions and the applicable Schedule of Fees in effect from time to time, which are available at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx. Xxxxxx Xxxxx offers a sweep program that provides clients, depending on their account type, with the option to automatically transfer uninvested cash in their account (“Free Credit Balances”) to either a money market mutual fund or a bank whose deposits are insured by the Federal Deposit Insurance Corporation (“Sweep Program”). The products offered in the Sweep Program are the Xxxxxx Xxxxx Money Market Fund (“Fund”) and the Xxxxxx Xxxxx Insured Bank Deposit Program (“Bank Program”). By choosing one of these as my sweep product, I consent to have Free Credit Balances in my Account included in the Sweep Program. Clients should review the terms, interest rates, and other features and tradeoffs of the Sweep Program with their financial advisor. Interest rates are available on Xxxxxx Xxxxx’ website at wwwxxxxxxxxxxx.xxx/xxxxx. xxxxxxxxxxx.xxx/xxxxx If my Account is an Xxxxxx Xxxxx investment advisory account, my cash balances awaiting investment will be held in accordance with the terms of the investment advisory agreement applicable to my Account. If my Account is not an Xxxxxx Xxxxx investment advisory account, the following terms apply: (i) As of February 9, 2019, if I am currently utilizing the Fund as my sweep product, my Free Credit Balances will continue to be automatically transferred to the Fund unless I change my selection thereafter, in which case, I may not select the Fund again as a sweep product. (ii) As of February 9, 2019, if I am not currently utilizing the Fund as my sweep product, the Fund will no longer be available as an option. In that case, consistent with my direction, my Free Credit Balances will be automatically transferred to the Bank Program or held as cash and eligible to receive interest thereon (“Cash Interest”). I acknowledge and agree that funds held as Cash Interest are awaiting investment and should not be held in Cash Interest solely for the purpose of earning interest. If I do not intend to invest funds held as Cash Interest in the future, I agree to notify my financial advisor and will transfer the funds to another available cash option, such as the Bank Program, Program or withdraw them from my Account, in a timely manner. Certain terms and conditions apply to the Bank Program. Investment in the Fund is subject to the terms and conditions set forth in the Fund prospectus. The Program Disclosure for the Bank Program and the Fund prospectus are available from my financial advisor or on Xxxxxx Xxxxx’ website at www. xxxxxxxxxxx.xxx/xxxxxxxxxxx. Xxxxxx Xxxxx may change the products available under the Sweep Program at any time. If I have not given other directions to Xxxxxx Xxxxx, I hereby elect and authorize Xxxxxx Xxxxx, acting as my agent, to deposit and hold some or all of my Free Credit Balances as Cash Interest in Customer Reserve Accounts. If Xxxxxx Xxxxx holds Free Credit Balances in Customer Reserve Accounts on my behalf, certain terms and conditions apply, which are available from my financial advisor or on Xxxxxx Xxxxx’ website at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx. I further agree that Xxxxxx Xxxxx shall be appointed as “custodial owner” on any annuity contract in my Account and, to the extent Xxxxxx Xxxxx is not so appointed, I agree Xxxxxx Xxxxx shall be able to resign as agent of record for any annuity contract in my Account without any further consent or other action by me or on my behalf.

Investments and Instructions. Investments must be registered and held in the Account in the form and manner required by Xxxxxx Xxxxx. Unless I have entered into an Xxxxxx Xxxxx investment advisory agreement that states otherwise, Xxxxxx Xxxxx will not act as an investment adviser to me, shall have no obligation or discretion to direct the investment of my Account and is merely authorized to hold the particular investments specified by me. Xxxxxx Xxxxx shall not question any such directions. I understand and agree that I can: (1) hold only investments approved by Xxxxxx Xxxxx as hold-eligible, and (2) purchase only investments approved by Xxxxxx Xxxxx as purchase- eligible. Xxxxxx Xxxxx, at its discretion, can modify eligible investments at any time. If Xxxxxx Xxxxx notifies me that an investment may no longer be held in my Account, I agree to remove the investment from my Account within the time frame determined by Xxxxxx Xxxxx. I agree that if I do not provide instructions to remove the investment, Xxxxxx Xxxxx has the right to liquidate or distribute that investment to me and/or terminate my Account in accordance with the terms of this Agreement. I understand that distribution of such an investment may result in adverse tax consequences. Certain additional services are authorized by this Agreement and may be activated upon request, including, but not limited to, check writing, electronic transfers and electronic delivery of statements and/or other information (“Additional Services”). The availability of these Additional Services is subject to approval and may vary by account type or investment. Additional Services may be subject to separate terms and conditions and the applicable Schedule of Fees in effect from time to time, which are available at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxx. Xxxxxx Xxxxx offers a sweep program that provides clients, depending on their account type, with the option to automatically transfer uninvested cash in their account (“Free Credit Balances”) to either a money market mutual fund or a bank whose deposits are insured by the Federal Deposit Insurance Corporation (“Sweep Program”). The products offered in the Sweep Program are the Xxxxxx Xxxxx Money Market Fund (“Fund”) and the Xxxxxx Xxxxx Insured Bank Deposit Program (“Bank Program”). By choosing one of these as my sweep product, I consent to have Free Credit Balances in my Account included in the Sweep Program. Clients should review the terms, interest rates, and other features and tradeoffs of the Sweep Program with their financial advisor. Interest rates are available on Xxxxxx Xxxxx’ website at www. xxxxxxxxxxx.xxx/xxxxx xxxxxxxxxxx.xxx/xxxxx. If my Account is an Xxxxxx Xxxxx investment advisory account, my cash balances awaiting investment will be held in accordance with the terms of the investment advisory agreement applicable to my Account. If my Account is not an Xxxxxx Xxxxx investment advisory account, the following terms apply: (i) As of February 9, 2019, if I am currently utilizing the Fund as my sweep product, my Free Credit Balances will continue to be automatically transferred to the Fund unless I change my selection thereafter, in which case, I may not select the Fund again as a sweep product. (ii) As of February 9, 2019, if I am not currently utilizing the Fund as my sweep product, the Fund will no longer be available as an option. In that case, consistent with my direction, my Free Credit Balances will be automatically transferred to the Bank Program or held as cash and eligible to receive interest thereon (“Cash Interest”). I acknowledge and agree that funds held as Cash Interest are awaiting investment and should not be held in Cash Interest solely for the purpose of earning interest. If I do not intend to invest funds held as Cash Interest in the future, I agree to notify my financial advisor and will transfer the funds to another available cash option, such as the Bank Program, or withdraw them from my Account, in a timely manner. Certain terms and conditions apply to the Bank Program. Investment in the Fund is subject to the terms and conditions set forth in the Fund prospectus. The Program Disclosure for the Bank Program and the Fund prospectus are available from my financial advisor or on Xxxxxx Xxxxx’ website at www. xxxxxxxxxxx.xxx/xxxxxxxxxxx. Xxxxxx Xxxxx may change the products available under the Sweep Program at any time. If I have not given other directions to Xxxxxx Xxxxx, I hereby elect and authorize Xxxxxx Xxxxx, acting as my agent, to deposit and hold some or all of my Free Credit Balances as Cash Interest in Customer Reserve Accounts. If Xxxxxx Xxxxx holds Free Credit Balances in Customer Reserve Accounts on my behalf, certain terms and conditions apply, which are available from my financial advisor or on Xxxxxx Xxxxx’ website at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxx. I further agree that Xxxxxx Xxxxx shall be appointed as “custodial owner” on any annuity contract in my Account and, to the extent Xxxxxx Xxxxx is not so appointed, I agree Xxxxxx Xxxxx shall be able to resign as agent of record for any annuity contract in my Account without any further consent or other action by me or on my behalf.

Investments and Instructions. Investments must be registered and held in the Account account in the form and manner required by Xxxxxx Xxxxx. Unless I have entered into an Xxxxxx Xxxxx investment advisory agreement that states otherwise, Xxxxxx Xxxxx will not act as an investment adviser to me, shall have no obligation or discretion to direct the investment of my Account and is merely authorized to hold the particular investments specified by me. Xxxxxx Xxxxx shall not question any such directions. I understand and agree that I can: (1) hold only investments approved by Xxxxxx Xxxxx as hold-eligible, and (2) purchase only investments approved by Xxxxxx Xxxxx as purchase- purchase-eligible. Xxxxxx Xxxxx, at its discretion, can modify eligible investments at any time. If Xxxxxx Xxxxx notifies me that an investment may no longer be held in my Account, I agree to remove the investment from my Account within the time frame determined by Xxxxxx Xxxxx. I agree that if I do not provide instructions to remove the investment, Xxxxxx Xxxxx has the right to liquidate or distribute that investment to me and/or terminate my Account in accordance with the terms of this Agreement. I understand that distribution of such an investment may result in adverse tax consequences. Certain additional services are authorized by this Agreement and may be activated upon request, including, but not limited to, check writing, electronic transfers and electronic delivery of statements and/or other information (“Additional Services”). The availability of these Additional Services is subject to approval and may vary by account type or investment. Additional Services may be subject to separate terms and conditions and the applicable Schedule of Fees in effect from time to time, which are available at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxx. Xxxxxx Xxxxx offers a sweep program that provides clients, depending on their account type, with the option to automatically transfer uninvested cash in their account (“Free Credit Balances”) to either a money market mutual fund or a bank whose deposits are insured by the Federal Deposit Insurance Corporation (“Sweep Program”). The products offered in the Sweep Program are the Xxxxxx Xxxxx Money Market Fund (“Fund”) and the Xxxxxx Xxxxx Insured Bank Deposit Program (“Bank Program”). By choosing one of these as my sweep product, I consent to have Free Credit Balances in my Account included in the Sweep Program. Clients should review the terms, interest rates, and other features and tradeoffs of the Sweep Program with their financial advisor. Interest rates are available on Xxxxxx Xxxxx’ website at wwwxxx.xxxxxxxxxxx.xxx/xxxxx. xxxxxxxxxxx.xxx/xxxxx If my Account is an Xxxxxx Xxxxx investment advisory account, my cash balances awaiting investment will be held in accordance with the terms of the investment advisory agreement applicable to my Account. If my Account is not an Xxxxxx Xxxxx investment advisory account, the following terms apply: (i) As of February 9, 2019, if I am currently utilizing the Fund as my sweep product, my Free Credit Balances will continue to be automatically transferred to the Fund unless I change my selection thereafter, in which case, I may not select the Fund again as a sweep product. (ii) As of February 9, 2019, if I am not currently utilizing the Fund as my sweep product, the Fund will no longer be available as an option. In that case, consistent with my direction, my Free Credit Balances will be automatically transferred to the Bank Program or held as cash and eligible to receive interest thereon (“Cash Interest”). I acknowledge and agree that funds held as Cash Interest are awaiting investment and should not be held in Cash Interest solely for the purpose of earning interest. If I do not intend to invest funds held as Cash Interest in the future, I agree to notify my financial advisor and will transfer the funds to another available cash option, such as the Bank Program, or withdraw them from my Account, in a timely manner. Certain terms and conditions apply to the Bank Program. Investment in the Fund is subject to the terms and conditions set forth in the Fund prospectus. The Program Disclosure for the Bank Program and the Fund prospectus are available from my financial advisor or on Xxxxxx Xxxxx’ website at www. xxxxxxxxxxx.xxx/xxxxxxxxxxxxxx.xxxxxxxxxxx.xxx/ disclosures. Xxxxxx Xxxxx may change the products available under the Sweep Program at any time. If I have not given other directions to Xxxxxx Xxxxx, I hereby elect and authorize Xxxxxx Xxxxx, acting as my agent, to deposit and hold some or all of my Free Credit Balances as Cash Interest in Customer Reserve Accounts. If Xxxxxx Xxxxx holds Free Credit Balances in Customer Reserve Accounts on my behalf, certain terms and conditions apply, which are available from my financial advisor or on Xxxxxx Xxxxx’ website at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxxxxx.xxxxxxxxxxx.xxx/ disclosures. I further agree that Xxxxxx Xxxxx shall may be appointed as “custodial owner” on any annuity contract in my Account and, to the extent Xxxxxx Xxxxx is not so appointed, I agree Xxxxxx Xxxxx shall be able to resign as agent of record for any annuity contract in my Account without any further consent or other action by me or on my behalf.

Investments and Instructions. Investments must be registered and held in the Account in the form and manner required by Xxxxxx Xxxxx. Unless I have entered into an Xxxxxx Xxxxx investment advisory agreement that states otherwise, Xxxxxx Xxxxx will not act as an investment adviser to me, shall have no obligation or discretion to direct the investment of my Account and is merely authorized to hold the particular investments specified by me. Xxxxxx Xxxxx shall not question any such directions. I understand and agree that I can: (1) hold only certain investments approved by Xxxxxx Xxxxx as hold-eligible, and (2) purchase only investments approved by Xxxxxx Xxxxx as purchase- eligibleor Contracts may not be held or purchased in my Account. Xxxxxx Xxxxx, at its discretion, can modify eligible investments at any time. If In the event that Xxxxxx Xxxxx notifies me that an investment may no longer be held in my Account, I agree to remove the investment from my Account within the time frame determined by Xxxxxx Xxxxx. I agree that if I do not provide instructions to remove the investment, Xxxxxx Xxxxx has the right to liquidate or distribute that investment to me and/or terminate my Account in accordance with the terms of this Agreement. I understand that distribution of such investment may result in adverse tax consequences. Certain additional services are authorized by this Agreement and may be activated upon requestConsistent with my direction, including, but not limited to, check writing, electronic transfers and electronic delivery of statements and/or other information (“Additional Services”). The availability of these Additional Services is subject to approval and may vary by account type or investment. Additional Services may be subject to separate terms and conditions and the applicable Schedule of Fees in effect from time to time, which are available at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxx. Xxxxxx Xxxxx offers a sweep program that provides clients, depending on their account type, with the option to automatically transfer all uninvested cash in their account (“Free Credit Balances”) to either a money market mutual fund or a bank whose deposits are insured by the Federal Deposit Insurance Corporation (“Sweep Program”). The products offered in the Sweep Program are the Xxxxxx Xxxxx Money Market Fund (“Fund”) and the Xxxxxx Xxxxx Insured Bank Deposit Program (“Bank Program”). By choosing one of these as my sweep product, I consent to have Free Credit Balances in my Account included in the Sweep Program. Clients should review the terms, interest rates, and other features and tradeoffs of the Sweep Program with their financial advisor. Interest rates are available on Xxxxxx Xxxxx’ website at www. xxxxxxxxxxx.xxx/xxxxx If my Account is an Xxxxxx Xxxxx investment advisory account, my cash balances awaiting investment will be held in accordance with the terms of the investment advisory agreement applicable to my Account. If my Account is not an Xxxxxx Xxxxx investment advisory interest–bearing account, the following terms apply: (i) As of February 9, 2019, if I am currently utilizing the Fund as my sweep product, my Free Credit Balances will continue to be automatically transferred to the Fund unless I change my selection thereafter, in which case, I may not select the Fund again as a sweep product. (ii) As of February 9, 2019, if I am not currently utilizing the Fund as my sweep product, the Fund will no longer be available as an option. In that case, consistent with my direction, my Free Credit Balances will be automatically transferred to the Bank Program or held as cash and eligible to receive interest thereon (“Cash Interest”). I acknowledge and agree that funds held as Cash Interest are awaiting investment and should not be held in Cash Interest solely for the purpose of earning interest. If I do not intend to invest funds held as Cash Interest in the future, I agree to notify my financial advisor and will transfer the funds to another available cash option, such as the Bank Program, or withdraw them from my Account, in a timely manner. Certain terms and conditions apply to the Bank Program. Investment in the Fund is subject to the terms and conditions set forth in the Fund prospectus. The Program Disclosure for the Bank Program and the Fund prospectus are available from my financial advisor or on Xxxxxx Xxxxx’ website at www. xxxxxxxxxxx.xxx/xxxxxxxxxxx. Xxxxxx Xxxxx may change the products available under the Sweep Program at any time. If I have not given other directions to Xxxxxx Xxxxx, I hereby elect and authorize Xxxxxx Xxxxx, acting as my agent, to deposit and hold some or all of my uninvested cash (“Free Credit Balances as Cash Interest Balances”) in Customer Reserve Accounts. If Xxxxxx Xxxxx holds Free Credit Balances in Customer Reserve Accounts on my behalf, certain terms and conditions apply, which apply that are available from my financial advisor or on Xxxxxx Xxxxx’ website at xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxx. Funds held as Free Credit Balances are presumed to be awaiting investment. I further acknowledge and agree that Xxxxxx Xxxxx shall be appointed as “custodial owner” on any annuity contract Free Credit Balances that I maintain in my Account and, are for investment purposes and not solely for the IAS–10489B–A-SA MAR 2018 purpose of receiving interest income. If I do not intend to invest my Free Credit Balances in the extent Xxxxxx Xxxxx is not so appointedfuture, I agree to notify my Xxxxxx Xxxxx shall be able to resign as agent of record for any annuity contract in financial advisor and will withdraw them from my Account without any further consent in a timely manner. I understand and agree that upon the termination of a Contract or other action a guarantee period (or similar period) (each a “Guarantee Period”) within a Contract, I may have the option to automatically rollover the proceeds of the Contract or Guarantee Period into another Contract or Guarantee Period of the same or similar duration (each an “Automatic Rollover”; collectively, “Automatic Rollovers”). In such cases, I hereby direct and instruct Xxxxxx Xxxxx and EJTC to proceed with such Automatic Rollovers, successively, until I expressly direct otherwise in writing, by me telephone, or on my behalfelectronically.