Common use of Liens and Liquidations Clause in Contracts

Liens and Liquidations. All monies or securities held by IFCF at any time in any of your accounts (individual, joint or otherwise) for any purpose shall be collateral subject to a general lien and security interest for the discharge of all your obligations to IFCF. IFCF may also demand repayment of any loan balance in whole, or in part, at any time and for any reason. Additionally, IFCF may require you to deposit additional collateral as security for your obligations. DISCLOSURES MARGIN DISCLOSURE STATEMENT ( applicable if you have elected to open a margin account) INTL FCStone Financial Inc. (IFCF) serves as clearing broker to your brokerage firm. With respect to this relationship, IFCF offers many services to your brokerage firm as outlined in their clearing agreement and as disclosed to you under the terms of FINRA Rule 4311. Under the clearing agreement, IFCF is the lender with respect to margin loans. This document is being provided to you to provide some basic facts about purchasing securities on margin and to alert you to the risks involved with trading securities in a margin account. Before trading stocks in a margin account, you should carefully review the margin agreement provided upon opening your margin account. Consult your brokerage firm regarding any questions or concerns you may have with your margin account. When you purchase securities, you may pay for the securities in full or you may borrow part of the purchase price from IFCF. If you choose to borrow funds from IFCF, you will open a margin account with IFCF through your brokerage firm. The securities purchased are IFCF’s collateral for the loan to you. If the securities in your account decline in value, so does the value of the collateral supporting your loan, and, as a result, IFCF or your brokerage firm can take action, such as issue a margin call and/or sell securities or other assets in any of your accounts held with IFCF, in order to maintain the required equity in the account. It is important that you fully understand the risks involved in using margin, whether trading securities on margin or using your margin account equity for other purposes. These risks include the following: • You can lose more funds than you deposit in the margin account. A decline in the value of securities purchased/held in your margin account may require you to provide additional funds to IFCF to avoid the forced sale of those securities or other securities or assets in your account(s). • IFCF or your brokerage firm can force the sale of securities or other assets in your account(s). If the equity in your account falls below the maintenance margin requirements or higher "house" requirements, IFCF or your brokerage firm can sell the securities or other assets in any of your accounts held at IFCF to cover the margin deficiency. You also will be responsible for any short fall in the account after such a sale. • IFCF or your brokerage firm can sell your securities or other assets without contacting you. Some investors mistakenly believe that a firm must contact them for a margin call to be valid, and that the firm cannot liquidate securities or other assets in their accounts to meet the call unless the firm has contacted them first. This is not the case. Most firms will attempt to notify their clients of margin calls, but they are not required to do so. However, even if IFCF or your brokerage firm has contacted you and provided a specific date by which you can meet a margin call, either firm can still take necessary steps to protect its financial interests, including immediately selling the securities without notice to you. • You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, IFCF or your brokerage firm has the right to decide which security to sell to protect its interests. • IFCFcanincrease its "house" maintenance margin requirements atany time and is notrequired to provide advance written notice. These changes in firm policy often take effect immediately and may result in the issuance of a maintenance margin call. Failure to satisfy the call may cause IFCF or your brokerage firm to liquidate or sell securities in your account(s). • You are not entitled to an extension of time on a margin call. While an extension of time in order to meet margin requirements may be available to you under certain conditions, you do not have a right to the extension. INTL FCStone Financial Inc. is a member FINRA/SIPC CASH SWEEP PROGRAM DISCLOSURE STATEMENT INTRODUCTION INTL FCStone Financial Inc.'s Cash Sweep Program (Cash Sweep Program) offers you the ability to automatically “sweep” un-invested cash balances in your account into (i) Federal Deposit Insurance Corporation (FDIC) insured bank deposit accounts (IDP Accounts) at multiple FDIC-insured banks (Participating Banks), or (ii) certain money market mutual funds available in the Cash Sweep Program. (Participating Funds) (Collectively, “Cash Sweep Options”). Participating in the Cash Sweep Program provides you the opportunity to earn interest or dividends on your funds while they are awaiting investment, or as needed to satisfy obligations arising connected toyour account. Both Cash Sweep Options are intended as a short use of cash and should not be viewed as long term investment options. If you are purchasing an investment, the automatic sweep feature allows the exact amount of the transaction to be swept from your Cash Sweep Option in order to fund such purchase on settlement date. If you are selling an investment, the proceeds are automatically swept to your account’s Cash Sweep Option by the day following settlement. If you make a deposit to your account (by check, ACH, wire, etc.), it may take up to two business days before your deposit sweeps into your Cash Sweep Option, and such deposits will constitute Free Credit Balances until they are swept. Upon opening your account, you will have the opportunity to elect to participate in the Cash Sweep Program and, if so, designate into which Cash Sweep Option you want your un-invested funds swept. You may also direct that we leave your un-invested cash balances as a free credit balance awaiting investment in your account (Free Credit Balance). IFCF may use and earn income on Free Credit Balances, as permitted by law, and may or may not pay interest on such balances. We may, upon prior notice to you, change, add or delete products available through, or the terms and conditions of, our Cash Sweep Program. Further, we may, upon prior notice to you, change the Cash Sweep Option in which you participate from one option to the other. If you do not object to any such notice within 30 days, you agree we may treat your non-response as your approval.

Liens and Liquidations. All monies or securities held by IFCF SFI at any time in any of your accounts (individual, joint or otherwise) for any purpose shall be collateral subject to a general lien and security interest for the discharge of all your obligations to IFCFSFI. IFCF SFI may also demand repayment of any loan balance in whole, or in part, at any time and for any reason. Additionally, IFCF SFI may require you to deposit additional collateral as security for your obligations. DISCLOSURES MARGIN DISCLOSURE STATEMENT ( Margin Disclosure Statement (applicable if you have elected to open a margin account) INTL FCStone StoneX Financial Inc. (IFCFSFI) serves as clearing broker to your brokerage firm. With respect to this relationship, IFCF SFI offers many services to your brokerage firm as outlined in their clearing agreement and as disclosed to you under the terms of FINRA Rule 4311. Under the clearing agreement, IFCF SFI is the lender with respect to margin loans. This document is being provided to you to provide some basic facts about purchasing securities on margin and to alert you to the risks involved with trading securities in a margin account. Before trading stocks in a margin account, you should carefully review the margin agreement provided upon opening your margin account. Consult your brokerage firm regarding any questions or concerns you may have with your margin account. When you purchase securities, you may pay for the securities in full or you may borrow part of the purchase price from IFCFSFI. If you choose to borrow funds from IFCFSFI, you will open a margin account with IFCF SFI through your brokerage firm. The securities purchased are IFCFSFI’s collateral for the loan to you. If the securities in your account decline in value, so does the value of the collateral supporting your loan, and, as a result, IFCF SFI or your brokerage firm can take action, such as issue a margin call and/or sell securities or other assets in any of your accounts held with IFCFSFI, in order to maintain the required equity in the account. It is important that you fully understand the risks involved in using margin, whether trading securities on margin or using your margin account equity for other purposes. These risks include the following: • You can lose more funds than you deposit in the margin account. A decline in the value of securities purchased/held in your margin account may require you to provide additional funds to IFCF to avoid the forced sale of those securities or other securities or assets in your account(s). • IFCF or your brokerage firm can force the sale of securities or other assets in your account(s). If the equity in your account falls below the maintenance margin requirements or higher "house" requirements, IFCF or your brokerage firm can sell the securities or other assets in any of your accounts held at IFCF to cover the margin deficiency. You also will be responsible for any short fall in the account after such a sale. • IFCF or your brokerage firm can sell your securities or other assets without contacting you. Some investors mistakenly believe that a firm must contact them for a margin call to be valid, and that the firm cannot liquidate securities or other assets in their accounts to meet the call unless the firm has contacted them first. This is not the case. Most firms will attempt to notify their clients of margin calls, but they are not required to do so. However, even if IFCF or your brokerage firm has contacted you and provided a specific date by which you can meet a margin call, either firm can still take necessary steps to protect its financial interests, including immediately selling the securities without notice to you. • You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, IFCF or your brokerage firm has the right to decide which security to sell to protect its interests. • IFCFcanincrease its "house" maintenance margin requirements atany time and is notrequired to provide advance written notice. These changes in firm policy often take effect immediately and may result in the issuance of a maintenance margin call. Failure to satisfy the call may cause IFCF or your brokerage firm to liquidate or sell securities in your account(s). • You are not entitled to an extension of time on a margin call. While an extension of time in order to meet margin requirements may be available to you under certain conditions, you do not have a right to the extension. INTL FCStone Financial Inc. is a member FINRA/SIPC CASH SWEEP PROGRAM DISCLOSURE STATEMENT INTRODUCTION INTL FCStone Financial Inc.'s Cash Sweep Program (Cash Sweep Program) offers you the ability to automatically “sweep” un-invested cash balances in your account into (i) Federal Deposit Insurance Corporation (FDIC) insured bank deposit accounts (IDP Accounts) at multiple FDIC-insured banks (Participating Banks), or (ii) certain money market mutual funds available in the Cash Sweep Program. (Participating Funds) (Collectively, “Cash Sweep Options”). Participating in the Cash Sweep Program provides you the opportunity to earn interest or dividends on your funds while they are awaiting investment, or as needed to satisfy obligations arising connected toyour account. Both Cash Sweep Options are intended as a short use of cash and should not be viewed as long term investment options. If you are purchasing an investment, the automatic sweep feature allows the exact amount of the transaction to be swept from your Cash Sweep Option in order to fund such purchase on settlement date. If you are selling an investment, the proceeds are automatically swept to your account’s Cash Sweep Option by the day following settlement. If you make a deposit to your account (by check, ACH, wire, etc.), it may take up to two business days before your deposit sweeps into your Cash Sweep Option, and such deposits will constitute Free Credit Balances until they are swept. Upon opening your account, you will have the opportunity to elect to participate in the Cash Sweep Program and, if so, designate into which Cash Sweep Option you want your un-invested funds swept. You may also direct that we leave your un-invested cash balances as a free credit balance awaiting investment in your account (Free Credit Balance). IFCF may use and earn income on Free Credit Balances, as permitted by law, and may or may not pay interest on such balances. We may, upon prior notice to you, change, add or delete products available through, or the terms and conditions of, our Cash Sweep Program. Further, we may, upon prior notice to you, change the Cash Sweep Option in which you participate from one option to the other. If you do not object to any such notice within 30 days, you agree we may treat your non-response as your approval.:

Liens and Liquidations. All monies or securities held by IFCF SALI at any time in any of your accounts (individual, joint or otherwise) for any purpose shall be collateral subject to a general lien and security interest for the discharge of all your obligations to IFCFSALI. IFCF XXXX may also demand repayment of any loan balance in whole, or in part, at any time and for any reason. Additionally, IFCF SALI may require you to deposit additional collateral as security for your obligations. DISCLOSURES INTRODUCED ACCOUNTS MARGIN DISCLOSURE STATEMENT ( (applicable if you have elected to open a margin account) INTL FCStone Financial Sterne, Agee & Xxxxx, Inc. (IFCFSALI) serves as clearing broker to your brokerage firmfirm as introduced by Sterne Agee Clearing, Inc. (SACI). With respect to this relationship, IFCF XXXX offers many a number of services to your brokerage firm as outlined in their clearing agreement and as disclosed to you under the terms of FINRA Rule 4311. Under the clearing agreement, IFCF SALI is the lender with respect to margin loans. This document is being provided to you to provide some basic facts about purchasing securities on margin and to alert you to the risks involved with trading securities in a margin account. Before trading stocks in a margin account, you should carefully review the margin agreement provided upon opening your margin account. Consult your brokerage firm regarding any questions or concerns you may have with your margin account. When you purchase securities, you may pay for the securities in full or you may borrow part of the purchase price from IFCFSALI. If you choose to borrow funds from IFCFSALI, you will open a margin account with IFCF SALI through your brokerage firm. The securities purchased are IFCFXXXX’s collateral for the loan to you. If the securities in your account decline in value, so does the value of the collateral supporting your loan, and, as a result, IFCF SALI or your brokerage firm can take action, such as issue a margin call and/or sell securities or other assets in any of your accounts held with IFCFSALI, in order to maintain the required equity in the account. It is important that you fully understand the risks involved in using margin, whether trading securities on margin or using your margin account equity for other purposes. These risks include the following: • You can lose more funds than you deposit in the margin account. A decline in the value of securities purchased/held in your margin account may require you to provide additional funds to IFCF SALI to avoid the forced sale of those securities or other securities or assets in your account(s). • IFCF SALI or your brokerage firm can force the sale of securities or other assets in your account(s). If the equity in your account falls below the maintenance margin requirements or higher "house" requirements, IFCF SALI or your brokerage firm can sell the securities or other assets in any of your accounts held at IFCF SALI to cover the margin deficiency. You also will be responsible for any short fall in the account after such a sale. • IFCF SALI or your brokerage firm can sell your securities or other assets without contacting you. Some investors mistakenly believe that a firm must contact them for a margin call to be valid, and that the firm cannot liquidate securities or other assets in their accounts to meet the call unless the firm has contacted them first. This is not the case. Most firms will attempt to notify their clients of margin calls, but they are not required to do so. However, even if IFCF SALI or your brokerage firm has contacted you and provided a specific date by which you can meet a margin call, either firm can still take necessary steps to protect its financial interests, including immediately selling the securities without notice to you. • You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, IFCF SALI or your brokerage firm has the right to decide which security to sell in order to protect its interests. • IFCFcanincrease SALI can increase its "house" maintenance margin requirements atany at any time and is notrequired not required to provide advance written notice. These changes in firm policy often take effect immediately and may result in the issuance of a maintenance margin call. Failure to satisfy the call may cause IFCF SALI or your brokerage firm to liquidate or sell securities in your account(s). • You are not entitled to an extension of time on a margin call. While an extension of time in order to meet margin requirements may be available to you under certain conditions, you do not have a right to the extension. INTL FCStone Financial Sterne, Agee & Xxxxx, Inc. is a member NYSE/FINRA/SIPC Sterne Agee Clearing, Inc. is a member FINRA/SIPC CASH SWEEP PROGRAM DISCLOSURE STATEMENT INTRODUCTION INTL FCStone Financial Inc.'s Cash Sweep Program SACI MRGD (Cash Sweep Program1/12) offers Page 8 of 11 IBD-CAA (7/14) TERMS AND CONDITIONS OF PARTICIPATION IN ON-LINE ACCESS AND ELECTRONIC DELIVERY SERVICES As used herein, the terms “I,” “my,” “me,” “myself,” “you,” “your,” “yourself,” and “Account Holder” refer to each person who enrolls in Sterne Ageeʼs On-Line Access and Electronic Delivery Services. The terms “we,” “us,” “our,” and “Sterne Agee” refer to Sterne, Agee & Xxxxx, Inc. On-line Access and Electronic Delivery By enrolling in Sterne Ageeʼs Online Access and Electronic Delivery Services, you the ability request Internet access to automatically “sweep” unview your Sterne Agee brokerage account(s) and consent to electronic delivery of account statements, trade confirmations and such other documents as may be available for electronic delivery (which could include year-invested cash balances end tax information, changes in your account into (i) Federal Deposit Insurance Corporation (FDIC) insured bank deposit accounts (IDP Accounts) at multiple FDIC-insured banks (Participating Banks)terms and conditions, annual privacy notices and other notices, disclosures or (ii) certain money market mutual funds available in the Cash Sweep Program. (Participating Funds) (Collectively, “Cash Sweep Options”communications). Participating in the Cash Sweep Program provides you the opportunity to earn interest or dividends on your funds while they are awaiting investment, or as needed to satisfy obligations arising connected toyour account. Both Cash Sweep Options are intended as a short use of cash and should not be viewed as long term investment options. If you are purchasing an investment, the automatic sweep feature allows the exact amount of the transaction to be swept from your Cash Sweep Option in order to fund such purchase on settlement date. If you are selling an investment, the proceeds are automatically swept to your account’s Cash Sweep Option by the day following settlement. If you make a deposit to your account (by check, ACH, wire, etc.), it may take up to two business days before your deposit sweeps into your Cash Sweep Option, and such deposits will constitute Free Credit Balances until they are swept. Upon opening your account, you Sterne Agee will have the opportunity no obligation to elect deliver paper copies of documents delivered to participate you electronically, unless you specifically request paper copies of such documents. A fee may be charged for each paper copy you request in the Cash Sweep Program and, if so, designate into which Cash Sweep Option accordance with Sterne Ageeʼs then current Schedule of Fees. Documents delivered to you want your un-invested funds sweptelectronically will be available to you online at xxx.xxxxxxxxxx.xxx. You may also direct that we leave your un-invested cash balances as a free credit balance awaiting investment in your account (Free Credit Balance). IFCF may use and earn income on Free Credit Balances, as permitted by law, and may or may not pay interest on such balances. We may, upon prior notice When documents are delivered to you, change, add we will send an electronic notification to the e-mail address specified in your Application for On-Line Access and Electronic Delivery Services (or delete products available through, or such other e-mail address as you may from time to time direct in accordance with the terms of this Agreement). You agree that a document made available for you to view electronically is deemed to be delivered to and conditions of, our Cash Sweep Program. Further, we may, upon prior notice to accepted by you, change regardless of whether you actually view the Cash Sweep Option in particular document. You will access your account(s) by using your account number or unique User Identification (assigned by us) and Password (which you participate will create and may modify from one option time to the othertime). If You will need to protect your User Identification and Password and keep them safe until you do not object to any such notice within 30 daysnotify us that they have been lost, stolen or otherwise compromised. We will assume and you agree we may treat that anyone accessing your non-response as account by using your approvalPassword is authorized by you to access your account.

Liens and Liquidations. All monies or securities held by IFCF SALI at any time in any of your accounts (individual, joint or otherwise) for any purpose shall be collateral subject to a general lien and security interest for the discharge of all your obligations to IFCFSALI. IFCF SALI may also demand repayment of any loan balance in whole, or in part, at any time and for any reason. Additionally, IFCF SALI may require you to deposit additional collateral as security for your obligations. DISCLOSURES INTRODUCED ACCOUNTS MARGIN DISCLOSURE STATEMENT ( (applicable if you have elected to open a margin account) INTL FCStone Financial Sterne, Agee & Xxxxx, Inc. (IFCFSALI) serves as clearing broker to your brokerage firmfirm as introduced by Sterne Agee Clearing, Inc. (SACI). With respect to this relationship, IFCF SALI offers many a number of services to your brokerage firm as outlined in their clearing agreement and as disclosed to you under the terms of FINRA Rule 4311. Under the clearing agreement, IFCF SALI is the lender with respect to margin loans. This document is being provided to you to provide some basic facts about purchasing securities on margin and to alert you to the risks involved with trading securities in a margin account. Before trading stocks in a margin account, you should carefully review the margin agreement provided upon opening your margin account. Consult your brokerage firm regarding any questions or concerns you may have with your margin account. When you purchase securities, you may pay for the securities in full or you may borrow part of the purchase price from IFCFSALI. If you choose to borrow funds from IFCFSALI, you will open a margin account with IFCF SALI through your brokerage firm. The securities purchased are IFCFSALI’s collateral for the loan to you. If the securities in your account decline in value, so does the value of the collateral supporting your loan, and, as a result, IFCF SALI or your brokerage firm can take action, such as issue a margin call and/or sell securities or other assets in any of your accounts held with IFCFSALI, in order to maintain the required equity in the account. It is important that you fully understand the risks involved in using margin, whether trading securities on margin or using your margin account equity for other purposes. These risks include the following: • You can lose more funds than you deposit in the margin account. A decline in the value of securities purchased/held in your margin account may require you to provide additional funds to IFCF SALI to avoid the forced sale of those securities or other securities or assets in your account(s). • IFCF SALI or your brokerage firm can force the sale of securities or other assets in your account(s). If the equity in your account falls below the maintenance margin requirements or higher "house" requirements, IFCF SALI or your brokerage firm can sell the securities or other assets in any of your accounts held at IFCF SALI to cover the margin deficiency. You also will be responsible for any short fall in the account after such a sale. • IFCF SALI or your brokerage firm can sell your securities or other assets without contacting you. Some investors mistakenly believe that a firm must contact them for a margin call to be valid, and that the firm cannot liquidate securities or other assets in their accounts to meet the call unless the firm has contacted them first. This is not the case. Most firms will attempt to notify their clients of margin calls, but they are not required to do so. However, even if IFCF SALI or your brokerage firm has contacted you and provided a specific date by which you can meet a margin call, either firm can still take necessary steps to protect its financial interests, including immediately selling the securities without notice to you. • You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, IFCF SALI or your brokerage firm has the right to decide which security to sell in order to protect its interests. • IFCFcanincrease SALI can increase its "house" maintenance margin requirements atany at any time and is notrequired not required to provide advance written notice. These changes in firm policy often take effect immediately and may result in the issuance of a maintenance margin call. Failure to satisfy the call may cause IFCF SALI or your brokerage firm to liquidate or sell securities in your account(s). • You are not entitled to an extension of time on a margin call. While an extension of time in order to meet margin requirements may be available to you under certain conditions, you do not have a right to the extension. INTL FCStone Financial Sterne, Agee & Xxxxx, Inc. is a member NYSE/FINRA/SIPC Sterne Agee Clearing, Inc. is a member FINRA/SIPC CASH SWEEP PROGRAM DISCLOSURE STATEMENT INTRODUCTION INTL FCStone Financial Inc.'s Cash Sweep Program SACI MRGD (Cash Sweep Program1/12) Page 8 of 11 IBD-CAA (02/12) APPLICATION FOR ON-LINE ACCESS AND ELECTRONIC DELIVERY SERVICES Would you like to be more environmentally friendly? Sterne Agee offers you the ability to automatically “sweep” unspeed and convenience of On-invested cash balances in your account into (i) Federal Deposit Insurance Corporation (FDIC) insured bank deposit accounts (IDP Accounts) at multiple FDIC-insured banks (Participating Banks), or (ii) certain money market mutual funds available in the Cash Sweep Programline Access and Electronic Delivery Services. (Participating Funds) (Collectively, “Cash Sweep Options”). Participating in the Cash Sweep Program provides you the opportunity to earn interest or dividends on your funds while they are awaiting investment, or as needed to satisfy obligations arising connected toyour account. Both Cash Sweep Options are intended as a short use of cash and should not be viewed as long term investment options. If you are purchasing an investment, the automatic sweep feature allows the exact amount of the transaction to be swept from your Cash Sweep Option in order to fund such purchase on settlement date. If you are selling an investment, the proceeds are automatically swept to your account’s Cash Sweep Option by the day following settlement. If you make a deposit to your account (by check, ACH, wire, etc.), it may take up to two business days before your deposit sweeps into your Cash Sweep Option, and such deposits will constitute Free Credit Balances until they are swept. Upon opening your accountBy enrolling, you will receive on-line access to view your account(s) and electronic delivery of account statements, trade confirmations and/or other documents available for electronic delivery (which could include year-end tax information, changes in account terms and conditions, annual privacy notices and other notices, disclosures or communications). To enroll in our On-line Access and Electronic Delivery Services, please complete the enrollment form below. Your consent to receive electronic delivery will be effective for all account(s) specified by you on an ongoing basis unless you cancel your enrollment or are otherwise notified by us. Please enroll the following accounts in Sterne Ageeʼs On-line Access and Electronic Delivery Services: Account Number Account Title E-mail Address * *Designates the Primary Account. Other accounts will be linked to the Primary Account and persons accessing the Primary Account will be able to view and exercise control over any on-line privileges, such as trading etc, that have been granted to the opportunity other accounts. A notification will be sent to elect the e-mail address specified for the Primary Account whenever there is activity in any of the accounts. A notification will be sent to participate in the Cash Sweep Program and, if so, designate into which Cash Sweep Option you want your une-invested funds sweptmail address specified for each other account only when a document has been delivered that affects that specific account. You may also direct specify more than one e- mail address for each account. I understand that we leave my participation in Sterne Ageeʼs On-line Access and Electronic Delivery Services will be governed by Sterne Ageeʼs Terms and Conditions of Participation in On-Line Access and Electronic Delivery Services. If I have requested online trading services, I hereby designate each owner of the Primary Account as my agent and attorney in fact with the power to buy, sell (including short sales), dispose of and otherwise deal in securities or other property, on margin or otherwise, in my account through Sterne Ageeʼs online trading services. This power of attorney shall not be affected by my disability, incompetency, or incapacity. Signature: Date: Print Name: Signature: Date: Print Name: Signature: Date: Print Name: TERMS AND CONDITIONS OF PARTICIPATION IN ON-LINE ACCESS AND ELECTRONIC DELIVERY SERVICES As used herein, the terms “I,” “my,” “me,” “myself,” “you,” “your,” “yourself,” and “Account Holder” refer to each person who enrolls in Sterne Ageeʼs On-Line Access and Electronic Delivery Services. The terms “we,” “us,” “our,” and “Sterne Agee” refer to Sterne, Agee & Xxxxx, Inc. On-line Access and Electronic Delivery By enrolling in Sterne Ageeʼs Online Access and Electronic Delivery Services, you request Internet access to view your unSterne Agee brokerage account(s) and consent to electronic delivery of account statements, trade confirmations and such other documents as may be available for electronic delivery (which could include year-invested cash balances as a free credit balance awaiting investment end tax information, changes in your account (Free Credit Balanceterms and conditions, annual privacy notices and other notices, disclosures or communications). IFCF Sterne Agee will have no obligation to deliver paper copies of documents delivered to you electronically, unless you specifically request paper copies of such documents. A fee may use and earn income on Free Credit Balances, as permitted by law, and may or may not pay interest on such balancesbe charged for each paper copy you request in accordance with Sterne Ageeʼs then current Schedule of Fees. We may, upon prior notice Documents delivered to you electronically will be available to you online at xxx.xxxxxxxxxx.xxx. When documents are delivered to you, change, add we will send an electronic notification to the e-mail address specified in your Application for On-Line Access and Electronic Delivery Services (or delete products available through, or such other e-mail address as you may from time to time direct in accordance with the terms of this Agreement). You agree that a document made available for you to view electronically is deemed to be delivered to and conditions of, our Cash Sweep Program. Further, we may, upon prior notice to accepted by you, change regardless of whether you actually view the Cash Sweep Option in particular document. You will access your account(s) by using your account number or unique User Identification (assigned by us) and Password (which you participate will create and may modify from one option time to the othertime). If You will need to protect your User Identification and Password and keep them safe until you do not object to any such notice within 30 daysnotify us that they have been lost, stolen or otherwise compromised. We will assume and you agree we may treat that anyone accessing your non-response as account by using your approvalPassword is authorized by you to access your account.