Common use of Joint Accounts Clause in Contracts

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.

Joint Accounts. In general, if this is a Joint account customers agreeAccount, each signer ("Joint Owner") of this Agreement agrees that the signatories, all Joint Owners are jointly and severally, severally liable for all obligations arising under the Agreement. Each Joint Owner agrees that each other Joint Owner shall have the authority on behalf of to give instructions to us regarding the account Joint Account, to do all acts communicate and have all rightsreceive information from us concerning the Joint Account, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; Joint Account securities and/or other property and to deal with the financial professional dispose of same, to make on behalf of the joint account as fully Joint Account agreements relating to any of the foregoing matters, and completely as if to terminate or modify or waive any of the Customer alone were interested in provisions of such agreements and generally to deal with us on behalf of the account. This may Joint Account, all be done without providing notice to others interested in the accountother Joint Owners. Your Financial Professional is Each Joint Owner agrees that we are authorized to follow the instructions of any of the account holders other Joint Owner in every respect concerning the joint account. In Joint Account and to make deliveries to any Joint Owner, or upon instructions by any Joint Owner, of any securities and/or other property in the event of deliveries of securities or Joint Account, and to make payments to any Joint Owner, or upon orders of any Joint Owner, of any or all monies at any time or from time to time as such Joint Owner may order and direct, even if such deliveries and/or payments shall be made to such Joint Owner personally, and not for the joint account partiesJoint Account. Each Joint Owner agrees to hold us and our employees and agents harmless from and indemnify the same against any losses, your Financial Professional will cause of action, damages, and expenses (including attorneys' fees) arising from or as the result of us, our employees, or agents following the instructions of any Joint Owner. Each Joint Owner further agrees that we shall not be under no any duty or obligation to inquire into those deliveries the purpose or paymentspropriety of any such demand for delivery of securities or payment of monies. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial ProfessionalAt any time, however, is authorizedwe may, at the account holders’ our sole discretion, to require joint account or collective action by the joint tenants both Joint Owners with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been markedAccount, on the death of any account holder, the deceased party’s ownership of the account passes including but not limited to the surviving account holdersgiving or cancellation of orders and the withdrawal of money or other property. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of Notwithstanding any of the account holders who have died will be liableforegoing, we are authorized at our sole discretion and each survivor will continue to be liable, jointly and severallywithout liability because of fluctuating market conditions or otherwise, to the financial professional for do any net debit balance resulting from transactions initiated prior to the receipt by the financial professional one or more of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.following: (i) select which instructions to follow and which to disregard;

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional Broker on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional Broker is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional Broker will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional Broker receives written notice of revocation. Your Financial ProfessionalBroker, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professionalBroker’s favor for the discharge of the obligations owed the financial professionalBroker. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional Broker would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional Broker for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional Broker of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.

Joint Accounts. Joint Except for accounts designated as Multiple Signatures Required Accounts, the following paragraph applies: If two or more parties have signed an Application and Agreement with respect to one or more accounts, you are creating, and intend to create, a "joint tenancy with rights of survivorship." That is, you as the owners of the account customers agreeagree with yourselves and the Credit Union that all sums paid in shares or other deposits (as applicable), together with all accumulations, prior to now or hereafter, less setoffs as allowed by law for any sums due the Credit Union by any party, shall be owned by all of you jointly with full right of survivorship, and shall be subject to withdrawal or receipt by any of you in whole or in part. Unless previously designated, such joint designation shall apply to all sub accounts under your member number. Payment to any of you or the survivor(s) of you, or the personal representative, administrator or assign of the last survivor of you, shall be valid and discharge the Credit Union from any liability for such payment and amount. Each signer appoints each other signer to be his or her irrevocable attorney in fact: to make deposits to the account; to endorse, for cash or deposit, any checks or other items whether payable to one of the signers alone or with others; and to receive and receipt for all funds all without obligation to us to inquire into the source or application of funds. To induce us to act hereunder, each person signing the Membership Application and Agreement jointly and singly agrees to hold the Credit Union harmless and indemnify us from loss, cost, and damage in all respects in connection with any of the foregoing, including court costs and attorneys’ fees, except as may be limited by applicable law. Unless specifically prohibited in writing from doing so, any or all of the joint owners may pledge all or part of the shares or deposits in the account as collateral for security on a loan(s). Any owner who is a surviving owner agrees that the signatoriesCredit Union to the extent allowed by law may set off any money in the account against any obligation of a deceased owner within thirty days after the Credit Union becomes aware of the deceased owner’s death unless such a setoff would not have been allowed during the deceased individual’s lifetime (such as would be the case with certain tax favored accounts). All owners who are surviving owners also agree that their interests in the account are subject to any security interest or pledge granted by a deceased owner, even if they individually did not consent to it. No authority or obligation of the Credit Union may be changed or terminated by one or more of the joint owners without prior written notice to the Credit Union, and no such change or termination shall affect transactions already made. Further, each joint owner is subject to the terms and disclosures of this Agreement, and hereby acknowledges receipt of the Agreement. We may refuse to authorize a withdrawal from a joint account when we have knowledge of a dispute between the joint accountholders until the matter is resolved. If an account is designated as a Multiple Signatures Required Account, the following paragraph applies: If two or more parties have signed a signature card, you are creating, and intend to create, a "joint tenancy with rights of survivorship." That is, you as the owners of the account agree with yourselves and the Credit Union that all sums paid in shares or other deposits (as applicable), together with all accumulations, prior to now or hereafter, less setoffs as allowed by law for any sums due the Credit Union by any party, shall be owned by all of you jointly with full right of survivorship. It is agreed that all living parties must sign any request for a withdrawal and that transactions on the account may only be conducted in person at the Credit Union’s office. All but not less than all of the joint owners may pledge all or part of the shares or deposits in the account as collateral for security on a loan(s). No authority or obligation of the Credit Union may be changed or terminated by one or more of the joint owners without the consent of all living joint owners and prior written notice to the Credit Union, and no such change or termination shall affect transactions already made. Further, each joint owner is subject to the terms and disclosures of this Agreement, and hereby acknowledges receipt of the Agreement. If a deposited item in a joint account is returned unpaid, the account is overdrawn, or if the Credit Union does not receive final payment on a transaction, the owners, jointly and severally, have are liable to the authority on behalf Credit Union for the amount of the returned item, overdraft, or unpaid amount and any charges, regardless of who initiated or benefited from the transaction. If any account owner is indebted to do the Credit Union, the Credit Union may enforce its rights against any account of an owner or all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal funds in securities; to receive on behalf of the joint account demandsregardless of who contributed them. Except as modified in this Agreement, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property accounts shall be subject to a lien in the financial professional’s favor for the discharge and governed by PA 41 of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution Public Acts of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable1968 (Michigan), as amended, being M.C.L. 490.51 et seq., and each survivor will continue to be liablecommonly known as the Credit Union Multiple-Party Accounts Act. An account owned by a person that is not a natural person (that is, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt an account owned by the financial professional of the written notice of the death, incurred in the liquidation of the account, a corporation or the adjustment of the interests of the respective partiesother legal entity or by a trust) may not have joint owners.

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional advisor on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional Advisor is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional Advisor will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional Advisor receives written notice of revocation. Your Financial ProfessionalAdvisor, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. .If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professionaladvisor’s favor for the discharge of the obligations owed the financial professionaladvisor. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional advisor would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional advisor for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional advisor of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities responsibilities, and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; kind and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of its revocation. Your Financial Professional, however, is authorized, authorized at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional Financial Advisor on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional Advisor is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional Advisor will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional Advisor receives written notice of revocation. Your Financial ProfessionalAdvisor, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professionalFinancial Advisor’s favor for the discharge of the obligations owed the financial professionalFinancial Advisor. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional Financial Advisor would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional Financial Advisor for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional Financial Advisor of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities responsibiliti es, and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint joi nt account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reportsreport s, statements of account, and communications of every kind; kind and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of its revocation. Your Financial Professional, however, is authorized, authorized at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severallyse verally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reportsreport s, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.

Joint Accounts. If more than one individual has entered into terms and conditions relating to the Account or completed a personal account application form, then the Account shall be a "Joint account customers agreeAccount" and each individual signatory shall be a Customer for the purposes of this Agreement. Each Customer shall be jointly and severally liable (in Quebec, solidarily) to the Bank to perform all the obligations, be liable for all liabilities related to the Joint Account under this Agreement and shall agree to all the terms and conditions in this Agreement, irrespective of which signatory to the Account undertook the obligation or incurred the liability. Each Customer shall have access to historical and current transaction details or any other details relating to the Joint Account, and each Customer agrees that the signatories, jointly and severally, other may have the authority on behalf of the account to do all acts same access. Each Customer expressly intends and have all rights, responsibilities and obligations agrees that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested any interest in the account. This may all Joint Account shall be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action owned by the them as joint tenants with full rights of survivorship, and not as tenants-in-common, and that the Bank is entitled to treat any interest in the Joint Account in this manner. The Bank may accept any instructions from either Customer, including honouring an Instrument, processing transactions in connection with Electronic Banking Services and Digital Banking Services described below, or accepting any direction in respect of the Joint Account without requiring the authorization or consent of the other Customer, subject to any matter concerning written instructions by both Customers to the joint accountcontrary. Each Customer agrees that if one Customer is removed from the Joint Account by agreement of both Customers, or in the sole discretion of the Bank, acting reasonably, the Joint Account shall be closed. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holdereither Customer dies, the deceased party’s ownership of Customer's interest in the account passes Joint Account shall pass automatically to the surviving account holdersCustomer, without releasing the deceased Customer or their estate from any liability arising from the Joint Account until such time that the Bank has received satisfactory evidence of the death. The liability with respect to said account Bank shall not be joint and several. All property shall be subject to a lien liable for any loss, damages or legal costs incurred in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that any dispute between the estate of any the deceased Customer, the surviving Customer or third party arising from the Bank acting on the right of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiessurvivorship.

Joint Accounts. If more than one individual has entered into terms and conditions relating to the Account or completed a personal account application form, then the Account shall be a “Joint account customers agreeAccount” and each individual signatory shall be a Customer for the purposes of this Agreement. Each Customer shall be jointly and severally liable (in Quebec, solidarily) to the Bank to perform all the obligations, be liable for all liabilities related to the Joint Account under this Agreement and shall agree to all the terms and conditions in this Agreement, irrespective of which signatory to the Account undertook the obligation or incurred the liability. Each Customer shall have access to historical and current transaction details or any other details relating to the Joint Account, and each Customer agrees that the signatories, jointly and severally, other may have the authority on behalf of the account to do all acts same access. Each Customer expressly intends and have all rights, responsibilities and obligations agrees that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested any interest in the account. This may all Joint Account shall be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action owned by the them as joint tenants with full rights of survivorship, and not as tenants-in-common, and that the Bank is entitled to treat any interest in the Joint Account in this manner. The Bank may accept any instructions from either Customer, including honouring an Instrument, processing transactions in connection with Electronic Banking Services and Digital Banking Services described below, or accepting any direction in respect of the Joint Account without requiring the authorization or consent of the other Customer, subject to any matter concerning written instructions by both Customers to the joint accountcontrary. Each Customer agrees that if one Customer is removed from the Joint Account by agreement of both Customers, or in the sole discretion of the Bank, acting reasonably, the Joint Account shall be closed. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holdereither Customer dies, the deceased partyCustomer’s ownership of interest in the account passes Joint Account shall pass automatically to the surviving account holdersCustomer, without releasing the deceased Customer or their estate from any liability arising from the Joint Account until such time that the Bank has received satisfactory evidence of the death. The liability with respect to said account Bank shall not be joint and several. All property shall be subject to a lien liable for any loss, damages or legal costs incurred in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that any dispute between the estate of any the deceased Customer, the surviving Customer or third party arising from the Bank acting on the right of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiessurvivorship.

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional Broker on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional Broker is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional Broker will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional Broker receives written notice of its revocation. Your Financial ProfessionalBroker, however, is authorized, authorized at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professionalBroker’s favor for the discharge of the obligations owed the financial professionalBroker. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional Broker would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional Broker for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional Broker of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.

Joint Accounts. If more than one individual has entered into terms and conditions relating to the Account or completed a personal account application form, then the Account shall be a "Joint account customers agreeAccount" and each individual signatory shall be a Customer for the purposes of this Agreement. Each Customer shall be jointly and severally liable (in Quebec, solidarily) to the Bank to perform all the obligations, be liable for all liabilities related to the Joint Account under this Agreement and shall agree to all the terms and conditions in this Agreement, irrespective of which signatory to the Account undertook the obligation or incurred the liability. Each Customer shall have access to historical and current transaction details or any other details relating to the Joint Account, and each Customer agrees that the signatories, jointly and severally, other may have the authority on behalf of the account to do all acts same access. Each Customer expressly intends and have all rights, responsibilities and obligations agrees that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested any interest in the account. This may all Joint Account shall be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action owned by the them as joint tenants with respect full rights of survivorship, and not as tenants-in-common, and that the Bank is entitled to treat any interest in the Joint Account in this manner. The Bank may accept any instructions from either Customer, including honouring an Instrument, processing transactions in connection with Electronic Banking Services and Online Banking Services described below, or accepting any direction in respec t of the Joint Account without requiring the authorization or consent of the other Customer, subject to any matter concerning written instructions by both Customers to the joint accountcontrary. Each Customer agrees that if one Customer is removed from the Joint Account by agreement of both Customers, or in the sole discretion of the Bank, acting reasonably, the Joint Account shall be closed. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holdereither Customer dies, the deceased party’s ownership of Customer's interest in the account passes Joint Account shall pass automatically to the surviving account holdersCustomer, without releasing the deceased Customer or their estate from any liability arising from the Joint Account until such time that the Bank has received satisfactory evidence of the death. The liability with respect to said account Bank shall not be joint and several. All property shall be subject to a lien liable for any loss, damages or legal costs incurred in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that an y dispute between the estate of any the deceased Customer, the surviving Customer or third party arising from the Bank acting on the right of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiessurvivorship.

Joint Accounts. If more than one individual has entered into terms and conditions relating to the Account or completed a personal account application form, then the Account shall be a "Joint account customers agreeAccount" and each individual signatory shall be a Customer for the purposes of this Agreement. Each Customer shall be jointly and severally liable (in Quebec, solidarily) to the Bank to perform all the obligations, be liable for all liabilities related to the Joint Account under this Agreement and shall agree to all the terms and conditions in this Agreement, irrespective of which signatory to the Account undertook the obligation or incurred the liability. Each Customer shall have access to historical and current transaction details or any other details relating to the Joint Account, and each Customer agrees that the signatories, jointly and severally, other may have the authority on behalf of the account to do all acts same access. Each Customer expressly intends and have all rights, responsibilities and obligations agrees that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested any interest in the account. This may all Joint Account shall be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action owned by the them as joint tenants with full rights of survivorship, and not as tenants-in-common, and that the Bank is entitled to treat any interest in the Joint Account in this manner. The Bank may accept any instructions from either Customer, including honouring an Instrument, processing transactions in connection with Electronic Banking Services and Online Banking Services described below, or accepting any direction in respect of the Joint Account without requiring the authorization or consent of the other Customer, subject to any matter concerning written instructions by both Customers to the joint accountcontrary. Each Customer agrees that if one Customer is removed from the Joint Account by agreement of both Customers, or in the sole discretion of the Bank, acting reasonably, the Joint Account shall be closed. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holdereither Customer dies, the deceased party’s ownership of Customer's interest in the account passes Joint Account shall pass automatically to the surviving account holdersCustomer, without releasing the deceased Customer or their estate from any liability arising from the Joint Account until such time that the Bank has received satisfactory evidence of the death. The liability with respect to said account Bank shall not be joint and several. All property shall be subject to a lien liable for any loss, damages or legal costs incurred in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that any dispute between the estate of any the deceased Customer, the surviving Customer or third party arising from the Bank acting on the right of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiessurvivorship.

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional advisor on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional Advisor is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional Advisor will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional Advisor receives written notice of revocation. Your Financial ProfessionalAdvisor, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professionaladvisor’s favor for the discharge of the obligations owed the financial professionaladvisor. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional advisor would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional advisor for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional advisor of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.