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 investments approved by Xxxxxx Xxxxx as hold-eligible, and 2) purchase 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, 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 xxx.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:

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 xxx.xxxxxxxxxxx.xxx/xxxxxwww. 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:

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, 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 xxx.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:

Investments and Instructions. Investments must be registered and held in the account 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 investments approved by Xxxxxx Xxxxx as hold-eligible, and 2) purchase 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 an 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 xxx.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:

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, 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 xxx.xxxxxxxxxxx.xxx/xxxxxwww. 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:

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, 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 xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxxxxxxx.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:

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-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, 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 xxx.xxxxxxxxxxx.xxx/xxxxxxxxxxxxxxxx.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:

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-–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, 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 xxx.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:

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 certain investments approved by Xxxxxx Xxxxx as hold-eligible, and 2) purchase 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 an 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, 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 my Account will be held in an Xxxxxx Xxxxx interest–bearing account. 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”) to either a money market mutual fund or a bank whose deposits are insured by the Federal Deposit Insurance Corporation (“Sweep Program”)in Customer Reserve Accounts. The products offered in the Sweep Program are the If 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 holds Free Credit Balances in Customer Reserve Accounts on my Account included in the Sweep Program. Clients should review the termsbehalf, interest rates, certain terms and other features and tradeoffs of the Sweep Program with their financial advisor. Interest rates conditions apply that are available from my financial advisor or on Xxxxxx Xxxxx’ website at xxx.xxxxxxxxxxx.xxx/xxxxxxxx.xxxxxxxxxxx.xxx/xxxxxxxxxxx. Funds held as Free Credit Balances are presumed to be awaiting investment. I acknowledge and agree that any Free Credit Balances that I maintain in my Account 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 future, I agree to notify my Xxxxxx Xxxxx financial advisor and will withdraw them from my Account is in a timely manner. I understand and agree that upon the termination of a Contract or 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 investment advisory accountand EJTC to proceed with such Automatic Rollovers, my cash balances awaiting investment will be held successively, until I expressly direct otherwise in accordance with the terms of the investment advisory agreement applicable to my Account. If my Account is not an Xxxxxx Xxxxx investment advisory accountwriting, the following terms apply:by telephone, or electronically.