Common use of Multiple Account Holders Clause in Contracts

Multiple Account Holders. If there is more than one Account Holder, the legal ownership of the Account will be as designated on the Application. If no designation is made, each Account Holder directs Betterment Securities to establish the Account as joint tenants with rights of survivorship. If there is more than one Account Holder, each Account Holder agrees to be jointly and severally liable for all obligations arising under this Brokerage Agreement or otherwise relating to the Account, including responsibility for information provided through the interface or using any User ID and Password associated with the Account, regardless of which Account Holder gives such instructions, enters such orders or changes such Password. Each Account Holder has full authority, acting individually and without notice to any other Account Holder, to deal with Betterment Securities as fully and completely as if such Account Holder were the sole Account Holder. Each Account Holder authorizes Betterment Securities to follow the instructions of any one Account Holder concerning any matter pertaining to the Account. This includes purchase and sale of securities, delivery of any or all securities or other property in the Account to any third party, or disbursement of any or all monies in the Account. If one Account Holder is not an owner of the Linked Checking Account (defined in Section 17, below), the Account Holder(s) that own(s) the Linked Checking Account represents and warrants that each Account Holder has the legal authority to make deposits to and withdrawals from the Linked Checking Account to and from the Account. All Account Holders shall hold Betterment Securities harmless from and against any Losses arising out of or relating to any deposit to or withdrawal from the Linked Checking Account to and from the Account by any Account Holder. Betterment Securities is not responsible for determining the purpose or propriety of any instruction given by any Account Holder as against any other Account Holder, or of any disposition of payments or deliveries of securities or other property between or among Account Holders. At its sole discretion, Betterment Securities reserves the right to require written instructions from one or all Account Holders. If Betterment Securities receives instructions from any Account Holder that, in Betterment Securities’s opinion, conflict with instructions received from any other Account Holder, Betterment Securities may comply with any of these instructions or advise each Account Holder of the apparent conflict and take no action as to any of these instructions until it actually receives and has a reasonable amount of time to act on satisfactory instructions from any or all of the Account Holders. In the event of a dispute between or among Account Holders of which Betterment Securities has notice, Betterment Securities reserves the right, but is not obligated, to place restrictions on the Account. For example, if an Account Holder requests a restriction be placed on access to funds in the Account because of a pending litigation or dispute between Account Holders, Betterment Securities may prohibit all transfers of funds from the Account, including canceling ACH withdrawal privileges, with such restrictions to remain in place until Betterment Securities actually receives and has a reasonable amount of time to act on appropriate court documentation or a written, notarized instruction signed by all Account Holders. In such a case, all Account Holders remain liable for any pending ACH transactions that have not yet cleared at the time of the restriction. Betterment Securities also may, at the expense of the Account Holders, commence or defend any action or proceeding for or in the nature of interpleader to have the dispute resolved judicially. If a suit or proceeding for or in the nature of interpleader is brought by or against it, Betterment Securities may deliver the Account into the registry of the court, at which time Betterment Securities will be deemed to be and will be released and discharged from all further obligations and responsibilities under this Brokerage Agreement. Each Account Xxxxxx agrees that, on the death or disability of an Account Holder, divorce of married Account Holders, or other event that causes a change in ownership or capacity with respect to the Account, the remaining Account Holder(s) will immediately give Betterment Securities official written notice of such change of ownership or capacity. Betterment Securities will not be responsible for any transfers, payments or other transactions in the Account made at the direction of a former Account Holder or incapacitated Account Holder before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Following receipt of such official written notice, Betterment Securities may require additional documents and reserves the right to retain such Assets in and/or restrict transactions in the Account as it deems advisable in its sole discretion to protect itself against any Losses. Any former Account Holder and the estate of any deceased or incapacitated Account Holder will remain jointly and severally liable for any losses in the Account arising out of or relating to transactions initiated before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Betterment Securities will not notify other Account Holders of the actions taken by any one Account Holder. Each Account Xxxxxx agrees that notice provided to any one Account Holder will be deemed to be notice to all Account Holders for all purposes. Joint accounts are made available at the sole discretion of Betterment Securities. Joint accounts are not available for IRA accounts.

Multiple Account Holders. If there is more than one Account Holder, the legal ownership of the Account will be as designated on the Application. If no designation is made, each Account Holder directs Betterment Securities to establish the Account as joint tenants with rights of survivorship. If there is more than one Account Holder, each Account Holder agrees to be jointly and severally liable for all obligations arising under this Brokerage Advisory Agreement or otherwise relating to the AccountAccount or participation in the Program, including responsibility for information provided through the interface Interface or by using any User ID and Password associated with the Account, regardless of which Account Holder gives such instructions, enters such orders or changes such Password. Each Account Holder has full authority, acting individually and without notice to any other Account Holder, to deal with Betterment and Betterment Securities as fully and completely as if such Account Holder were the sole Account Holder. Each Account Holder authorizes Betterment and Betterment Securities to follow the instructions of any one Account Holder concerning any matter pertaining to the Account. This includes purchase and sale of securities, delivery of any or all securities or other property in the Account to any third party, party or disbursement of any or all monies in the Account. If one Account Holder is not an owner of the Linked Checking Account (defined in Section 1719, below), the Account Holder(s) that own(s) the Linked Checking Account represents and warrants that each Account Holder has the legal authority to make deposits to and withdrawals from the Linked Checking Account to and from the Account. All Account Holders shall hold Betterment Securities harmless from and against any Losses arising out of or relating to any deposit to or withdrawal from the Linked Checking Account to and from the Account by any Account Holder. Betterment Securities is not responsible for determining the purpose or propriety of any instruction given by received from any Account Holder as against any other Account Holder, or of any disposition of payments or deliveries of securities or other property between or among Account Holders. At its sole discretion, Betterment Securities reserves the right to require written instructions from one or all Account Holders. If Betterment Securities receives instructions from any Account Holder that, in Betterment SecuritiesBetterment’s opinion, conflict with instructions received from any other Account Holder, Betterment Securities may comply with any of these instructions or advise each Account Holder of the apparent conflict and take no action as to any of these instructions until it actually receives and has a reasonable amount of time to act on satisfactory instructions from any or all of the Account Holders. In the event of a dispute between or among Account Holders of which Betterment Securities has notice, Betterment Securities reserves the right, but is not obligated, to place restrictions on participation in the AccountProgram. For example, if an Account Holder requests a restriction be placed on access to funds in the Account because of a pending litigation or dispute between Account Holders, Betterment Securities may prohibit all transfers of funds from the Account, including canceling ACH withdrawal privileges, with such restrictions to remain in place until Betterment Securities actually receives and has a reasonable amount of time to act on appropriate court documentation or a written, notarized instruction signed by all Account Holders. In such a case, all Account Holders remain liable for any pending ACH transactions that have not yet cleared at the time of the restriction. Betterment Securities also may, at the expense of the Account Holders, commence or defend any action or proceeding for or in the nature of interpleader to have the dispute resolved judicially. If a suit or proceeding for or in the nature of interpleader is brought by or against it, Betterment Securities may deliver the Account into the registry of the court, at which time Betterment Securities will be deemed to be and will be released and discharged from all further obligations and responsibilities under this Brokerage Advisory Agreement. Each Account Xxxxxx agrees that, on the death or disability of an Account Holder, divorce of married Account Holders, or other event that causes a change in ownership or capacity with respect to the Account, the remaining Account Holder(s) will immediately give Betterment Securities official written notice of such change of ownership or capacity. Betterment Securities will not be responsible for any transfers, payments or other transactions in the Account made at the direction of a former Account Holder or incapacitated Account Holder before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Following receipt of such official written notice, Betterment Securities may require additional documents and reserves the right to retain such Assets in and/or restrict transactions in the Account as it deems advisable in its sole discretion to protect itself against any Losses. Any former Account Holder and the estate of any deceased or incapacitated Account Holder will remain jointly and severally liable for any losses Losses in the Account arising out of or relating to transactions initiated before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Betterment Securities will not notify other Account Holders of the actions taken by any one Account Holder. Each Account Xxxxxx agrees that notice provided to any one Account Holder will be deemed to be notice to all Account Holders for all purposes. Joint accounts are made available at the sole discretion of Betterment SecuritiesBetterment. Joint accounts are not available for IRA accounts.

Multiple Account Holders. If there is more than one Account Holder, the legal ownership of the Account will be as designated on the Application. If no designation is made, each Account Holder directs Betterment Securities to establish the Account as joint tenants with rights of survivorship. If there is more than one Account Holder, each Account Holder agrees to be jointly and severally liable for all obligations arising under this Brokerage Advisory Agreement or otherwise relating to the AccountAccount or participation in the Program, including responsibility for information provided through the interface Interface or by using any User ID and Password associated with the Account, regardless of which Account Holder gives such instructions, enters such orders or changes such Password. Each Account Holder has full authority, acting individually and without notice to any other Account Holder, to deal with Betterment and Betterment Securities as fully and completely as if such Account Holder were the sole Account Holder. Each Account Holder authorizes Betterment and Betterment Securities to follow the instructions of any one Account Holder concerning any matter pertaining to the Account. This includes purchase and sale of securities, delivery of any or all securities or other property in the Account to any third party, party or disbursement of any or all monies in the Account. If one Account Holder is not an owner of the Linked Checking Account (defined in Section 1719, below), the Account Holder(s) that own(s) the Linked Checking Account represents and warrants that each Account Holder has the legal authority to make deposits to and withdrawals from the Linked Checking Account to and from the Account. All Account Holders shall hold Betterment Securities harmless from and against any Losses arising out of or relating to any deposit to or withdrawal from the Linked Checking Account to and from the Account by any Account Holder. Betterment Securities is not responsible for determining the purpose or propriety of any instruction given by received from any Account Holder as against any other Account Holder, or of any disposition of payments or deliveries of securities or other property between or among Account Holders. At its sole discretion, Betterment Securities reserves the right to require written instructions from one or all Account Holders. If Betterment Securities receives instructions from any Account Holder that, in Betterment SecuritiesBetterment’s opinion, conflict with instructions received from any other Account Holder, Betterment Securities may comply with any of these instructions or advise each Account Holder of the apparent conflict and take no action as to any of these instructions until it actually receives and has a reasonable amount of time to act on satisfactory instructions from any or all of the Account Holders. In the event of a dispute between or among Account Holders of which Betterment Securities has notice, Betterment Securities reserves the right, but is not obligated, to place restrictions on participation in the AccountProgram. For example, if an Account Holder requests a restriction be placed on access to funds in the Account because of a pending litigation or dispute between Account Holders, Betterment Securities may prohibit all transfers of funds from the Account, including canceling ACH withdrawal privileges, with such restrictions to remain in place until Betterment Securities actually receives and has a reasonable amount of time to act on appropriate court documentation or a written, notarized instruction signed by all Account Holders. In such a case, all Account Holders remain liable for any pending ACH transactions that have not yet cleared at the time of the restriction. Betterment Securities also may, at the expense of the Account Holders, commence or defend any action or proceeding for or in the nature of interpleader to have the dispute resolved judicially. If a suit or proceeding for or in the nature of interpleader is brought by or against it, Betterment Securities may deliver the Account into the registry of the court, at which time Betterment Securities will be deemed to be and will be released and discharged from all further obligations and responsibilities under this Brokerage Advisory Agreement. Each Account Xxxxxx agrees that, on the death or disability of an Account Holder, divorce of married Account Holders, or other event that causes a change in ownership or capacity with respect to the Account, the remaining Account Holder(s) will immediately give Betterment Securities official written notice of such change of ownership or capacity. Betterment Securities will not be responsible for any transfers, payments or other transactions in the Account made at the direction of a former Account Holder or incapacitated Account Holder before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Following receipt of such official written notice, Betterment Securities may require additional documents and reserves the right to retain such Assets in and/or restrict transactions in the Account as it deems advisable in its sole discretion to protect itself against any Losses. Any former Account Holder and the estate of any deceased or incapacitated Account Holder will remain jointly and severally liable for any losses in the Account arising out of or relating to transactions initiated before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Betterment Securities will not notify other Account Holders of the actions taken by any one Account Holder. Each Account Xxxxxx agrees that notice provided to any one Account Holder will be deemed to be notice to all Account Holders for all purposes. Joint accounts are made available at the sole discretion of Betterment SecuritiesBetterment. Joint accounts are not available for IRA accounts.

Multiple Account Holders. If there is more than one Account Holder, the legal ownership of the Account will be as designated on the Application. If no designation is made, each Account Holder directs Betterment Securities to establish the Account as joint tenants with rights of survivorship. If there is more than one Account Holder, each Account Holder agrees to be jointly and severally liable for all obligations arising under this Brokerage Agreement or otherwise relating to the Account, including responsibility for information provided through the interface Interface or using any User ID and Password associated with the Account, regardless of which Account Holder gives such instructions, enters such orders or changes such Password. Each Account Holder has full authority, acting individually and without notice to any other Account Holder, to deal with Betterment Securities as fully and completely as if such Account Holder were the sole Account Holder. Each Account Holder authorizes Betterment Securities to follow the instructions of any one Account Holder concerning any matter pertaining to the Account. This includes purchase and sale of securities, delivery of any or all securities or other property Securities and/or Other Property in the Account to any third party, or disbursement of any or all monies in the Account. If one Account Holder is not an owner of the Linked Checking Account (defined in Section 1718, below), the Account Holder(s) that own(s) the Linked Checking Account represents and warrants that each Account Holder has the legal authority to make deposits to and withdrawals from the Linked Checking Account to and from the Account. All Account Holders shall hold Betterment Securities harmless from and against any Losses arising out of or relating to any deposit to or withdrawal from the Linked Checking Account to and from the Account by any Account Holder. Betterment Securities is not responsible for determining the purpose or propriety of any instruction given by any Account Holder as against any other Account Holder, or of any disposition of payments or deliveries of securities or other property Securities and/or Other Property between or among Account Holders. At its sole discretion, Betterment Securities reserves the right to require written instructions from one or all Account Holders. If Betterment Securities receives instructions from any Account Holder that, in Betterment Securities’s ’ opinion, conflict with instructions received from any other Account Holder, Betterment Securities may comply with any of these instructions or advise each Account Holder of the apparent conflict and take no action as to any of these instructions until it actually receives and has a reasonable amount of time to act on satisfactory instructions from any or all of the Account Holders. In the event of a dispute between or among Account Holders of which Betterment Securities has notice, Betterment Securities reserves the right, but is not obligated, to place restrictions on the Account. For example, if an Account Holder requests a restriction be placed on access to funds in the Account because of a pending litigation or dispute between Account Holders, Betterment Securities may prohibit all transfers of funds from the Account, including canceling ACH withdrawal privileges, with such restrictions to remain in place until Betterment Securities actually receives and has a reasonable amount of time to act on appropriate court documentation or a written, notarized instruction signed by all Account Holders. In such a case, all Account Holders remain liable for any pending ACH transactions that have not yet cleared at the time of the restriction. Betterment Securities also may, at the expense of the Account Holders, commence or defend any action or proceeding for or in the nature of interpleader to have the dispute resolved judicially. If a suit or proceeding for or in the nature of interpleader is brought by or against it, Betterment Securities may deliver the Account into the registry of the court, at which time Betterment Securities will be deemed to be and will be released and discharged from all further obligations and responsibilities under this Brokerage Agreement. Each Account Xxxxxx agrees that, on the death or disability of an Account Holder, divorce of married Account Holders, or other event that causes a change in ownership or capacity with respect to the Account, the remaining Account Holder(s) will immediately give Betterment Securities official written notice of such change of ownership or capacity. Betterment Securities will not be responsible for any transfers, payments payments, or other transactions in the Account made at the direction of a former Account Holder or incapacitated Account Holder before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Following receipt of such official written notice, Betterment Securities may require additional documents and reserves the right to retain such Assets in and/or restrict transactions in the Account as it deems advisable in its sole discretion to protect itself against any Losses. Any former Account Holder and the estate of any deceased or incapacitated Account Holder will remain jointly and severally liable for any losses in the Account arising out of or relating to transactions initiated before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Betterment Securities will not notify other Account Holders of the actions taken by any one Account Holder. Each Account Xxxxxx agrees that notice provided to any one Account Holder will be deemed to be notice to all Account Holders for all purposes. Joint accounts are made available at the sole discretion of Betterment Securities. Joint accounts are not available for IRA accounts.

Multiple Account Holders. If there is more than one Account Holder, the legal ownership of the Account will be as designated on the Application. If no designation is made, each Account Holder directs Betterment Securities to establish the Account as joint tenants with rights of survivorship. If there is more than one Account Holder, each Account Holder agrees to be jointly and severally liable for all obligations arising under this Brokerage Sub-Advisory Agreement or otherwise relating to the AccountAccount or participation in the Program, including responsibility for information provided through the interface Interface or by using any User ID and Password associated with the Account, regardless of which Account Holder gives such instructions, enters such orders or changes such Password. Each Account Holder has full authority, acting individually and without notice to any other Account Holder, to deal with Betterment and Betterment Securities as fully and completely as if such Account Holder were the sole Account Holder. Each Account Holder authorizes Betterment and Betterment Securities to follow the instructions of any one Account Holder concerning any matter pertaining to the Account. This includes purchase and sale of securities, delivery of any or all securities or other property in the Account to any third party, party or disbursement of any or all monies in the Account. If one Account Holder is not an owner of the Linked Checking Account (defined in Section 1720, below), the Account Holder(s) that own(s) the Linked Checking Account represents and warrants that each Account Holder has the legal authority to make deposits to and withdrawals from the Linked Checking Account to and from the Account. All Account Holders shall hold Betterment Securities harmless from and against any Losses arising out of or relating to any deposit to or withdrawal from the Linked Checking Account to and from the Account by any Account Holder. Betterment Securities is not responsible for determining the purpose or propriety of any instruction given by received from any Account Holder as against any other Account Holder, or of any disposition of payments or deliveries of securities or and/or other property between or among Account Holders. At its sole discretion, Betterment Securities reserves the right to require written instructions from one or all Account Holders. If Betterment Securities receives instructions from any Account Holder that, in Betterment SecuritiesBetterment’s opinion, conflict with instructions received from any other Account Holder, Betterment Securities may comply with any of these instructions or advise each Account Holder of the apparent conflict and take no action as to any of these instructions until it actually receives and has a reasonable amount of time to act on satisfactory instructions from any or all of the Account Holders. In the event of a dispute between or among Account Holders of which Betterment Securities has notice, Betterment Securities reserves the right, but is not obligated, to place restrictions on participation in the AccountProgram. For example, if an Account Holder requests a restriction be placed on access to funds in the Account because of a pending litigation or dispute between Account Holders, Betterment Securities may prohibit all transfers of funds from the Account, including canceling ACH withdrawal privileges, with such restrictions to remain in place until Betterment Securities actually receives and has a reasonable amount of time to act on appropriate court documentation or a written, notarized instruction signed by all Account Holders. In such a case, all Account Holders remain liable for any pending ACH transactions that have not yet cleared at the time of the restriction. Betterment Securities also may, at the expense of the Account Holders, commence or defend any action or proceeding for or in the nature of interpleader to have the dispute resolved judicially. If a suit or proceeding for or in the nature of interpleader is brought by or against it, Betterment Securities may deliver the Account into the registry of the court, at which time Betterment Securities will be deemed to be and will be released and discharged from all further obligations and responsibilities under this Brokerage Sub-Advisory Agreement. Each Account Xxxxxx Holder agrees that, on the death or disability of an Account Holder, divorce of married Account Holders, or other event that causes a change in ownership or capacity with respect to the Account, the remaining Account Holder(s) will immediately give Betterment Securities official written notice of such change of ownership or capacity. Betterment Securities will not be responsible for any transfers, payments or other transactions in the Account made at the direction of a former Account Holder or incapacitated Account Holder before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Following receipt of such official written notice, Betterment Securities may require additional documents and reserves the right to retain such Assets in and/or restrict transactions in the Account as it deems advisable in its sole discretion to protect itself against any Losses. Any former Account Holder and the estate of any deceased or incapacitated Account Holder will remain jointly and severally liable for any losses in the Account arising out of or relating to transactions initiated before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Betterment Securities will not notify other Account Holders of the actions taken by any one Account Holder. Each Account Xxxxxx Holder agrees that notice provided to any one Account Holder will be deemed to be notice to all Account Holders for all purposes. Joint accounts are made available at the sole discretion of Betterment SecuritiesBetterment. Joint accounts are not available for IRA XXX accounts.

Multiple Account Holders. If there is more than one Account Holder, the legal ownership of the Account will be as designated on the Application. If no designation is made, each Account Holder directs Betterment Securities to establish the Account as joint tenants with rights of survivorship. If there is more than one Account Holder, each Account Holder agrees to be jointly and severally liable for all obligations arising under this Brokerage Agreement or otherwise relating to the Account, including responsibility for information provided through the interface Interface or using any User ID and Password associated with the Account, regardless of which Account Holder gives such instructions, enters such orders or changes such Password. Each Account Holder has full authority, acting individually and without notice to any other Account Holder, to deal with Betterment Securities as fully and completely as if such Account Holder were the sole Account Holder. Each Account Holder authorizes Betterment Securities to follow the instructions of any one Account Holder concerning any matter pertaining to the Account. This includes purchase and sale of securities, delivery of any or all securities or other property Securities and/or Other Property in the Account to any third party, or disbursement of any or all monies in the Account. If one Account Holder is not an owner of the a Linked Checking Account (defined in Section 1718, below), the Account Holder(s) that own(s) the that Linked Checking Account represents and warrants that each Account Holder has the legal authority to make deposits to and withdrawals from the Linked Checking Account to and from the Account. All Account Holders shall hold Betterment Securities harmless from and against any Losses arising out of or relating to any deposit to or withdrawal from the any Linked Checking Account to and from the Account by any Account Holder. Betterment Securities is not responsible for determining the purpose or propriety of any instruction given by any Account Holder as against any other Account Holder, or of any disposition of payments or deliveries of securities or other property Securities and/or Other Property between or among Account Holders. At its sole discretion, Betterment Securities reserves the right to require written instructions from one or all Account Holders. If Betterment Securities receives instructions from any Account Holder that, in Betterment Securities’s ’ opinion, conflict with instructions received from any other Account Holder, Betterment Securities may comply with any of these instructions or advise each Account Holder of the apparent conflict and take no action as to any of these instructions until it actually receives and has a reasonable amount of time to act on satisfactory instructions from any or all of the Account Holders. In the event of a dispute between or among Account Holders of which Betterment Securities has notice, Betterment Securities reserves the right, but is not obligated, to place restrictions on the Account. For example, if an Account Holder requests a restriction be placed on access to funds in the Account because of a pending litigation or dispute between Account Holders, Betterment Securities may prohibit all transfers of funds from the Account, including canceling ACH withdrawal privileges, with such restrictions to remain in place until Betterment Securities actually receives and has a reasonable amount of time to act on appropriate court documentation or a written, notarized instruction signed by all Account Holders. In such a case, all Account Holders remain liable for any pending ACH transactions that have not yet cleared at the time of the restriction. Betterment Securities also may, at the expense of the Account Holders, commence or defend any action or proceeding for or in the nature of interpleader to have the dispute resolved judicially. If a suit or proceeding for or in the nature of interpleader is brought by or against it, Betterment Securities may deliver the Account into the registry of the court, at which time Betterment Securities will be deemed to be and will be released and discharged from all further obligations and responsibilities under this Brokerage Agreement. Each Account Xxxxxx agrees that, on the death or disability of an Account Holder, divorce of married Account Holders, or other event that causes a change in ownership or capacity with respect to the Account, the remaining Account Holder(s) will immediately give Betterment Securities official written notice of such change of ownership or capacity. Betterment Securities will not be responsible for any transfers, payments payments, or other transactions in the Account made at the direction of a former Account Holder or incapacitated Account Holder before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Following receipt of such official written notice, Betterment Securities may require additional documents and reserves the right to retain such Assets in and/or restrict transactions in the Account as it deems advisable in its sole discretion to protect itself against any Losses. Any former Account Holder and the estate of any deceased or incapacitated Account Holder will remain jointly and severally liable for any losses in the Account arising out of or relating to transactions initiated before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Betterment Securities will not notify other Account Holders of the actions taken by any one Account Holder. Each Account Xxxxxx agrees that notice provided to any one Account Holder will be deemed to be notice to all Account Holders for all purposes. Joint accounts are made available at the sole discretion of Betterment Securities. Joint accounts are not available for IRA accounts.

Multiple Account Holders. If there is more than one Account Holder, the legal ownership of the Account will be as designated on the Application. If no designation is made, each Account Holder directs Betterment Securities to establish the Account as joint tenants with rights of survivorship. If there is more than one Account Holder, each Account Holder agrees to be jointly and severally liable for all obligations arising under this Brokerage Agreement or otherwise relating to the Account, including responsibility for information provided through the interface Interface or using any User ID and Password associated with the Account, regardless of which Account Holder gives such instructions, enters such orders or changes such Password. Each Account Holder has full authority, acting individually and without notice to any other Account Holder, to deal with Betterment Securities as fully and completely as if such Account Holder were the sole Account Holder. Each Account Holder authorizes Betterment Securities to follow the instructions of any one Account Holder concerning any matter pertaining to the Account. This includes purchase and sale of securities, delivery of any or all securities or other property Securities and/or Other Property in the Account to any third party, or disbursement of any or all monies in the Account. If one Account Holder is not an owner of the Linked Checking Account (defined in Section 1718, below), the Account Holder(s) that own(s) the Linked Checking Account represents and warrants that each Account Holder has the legal authority to make deposits to and withdrawals from the Linked Checking Account to and from the Account. All Account Holders shall hold Betterment Securities harmless from and against any Losses arising out of or relating to any deposit to or withdrawal from the Linked Checking Account to and from the Account by any Account Holder. Betterment Securities is not responsible for determining the purpose or propriety of any instruction given by any Account Holder as against any other Account Holder, or of any disposition of payments or deliveries of securities or other property Securities and/or Other Property between or among Account Holders. At its sole discretion, Betterment Securities reserves the right to require written instructions from one or all Account Holders. If Betterment Securities receives instructions from any Account Holder that, in Betterment Securities’s ’ opinion, conflict with instructions received from any other Account Holder, Betterment Securities may comply with any of these instructions or advise each Account Holder of the apparent conflict and take no action as to any of these instructions until it actually receives and has a reasonable amount of time to act on satisfactory instructions from any or all of the Account Holders. In the event of a dispute between or among Account Holders of which Betterment Securities has notice, Betterment Securities reserves the right, but is not obligated, to place restrictions on the Account. For example, if an Account Holder requests a restriction be placed on access to funds in the Account because of a pending litigation or dispute between Account Holders, Betterment Securities may prohibit all transfers of funds from the Account, including canceling ACH withdrawal privileges, with such restrictions to remain in place until Betterment Securities actually receives and has a reasonable amount of time to act on appropriate court documentation or a written, notarized instruction signed by all Account Holders. In such a case, all Account Holders remain liable for any pending ACH transactions that have not yet cleared at the time of the restriction. Betterment Securities also may, at the expense of the Account Holders, commence or defend any action or proceeding for or in the nature of interpleader to have the dispute resolved judicially. If a suit or proceeding for or in the nature of interpleader is brought by or against it, Betterment Securities may deliver the Account into the registry of the court, at which time Betterment Securities will be deemed to be and will be released and discharged from all further obligations and responsibilities under this Brokerage Agreement. Each Account Xxxxxx Holder agrees that, on the death or disability of an Account Holder, divorce of married Account Holders, or other event that causes a change in ownership or capacity with respect to the Account, the remaining Account Holder(s) will immediately give Betterment Securities official written notice of such change of ownership or capacity. Betterment Securities will not be responsible for any transfers, payments payments, or other transactions in the Account made at the direction of a former Account Holder or incapacitated Account Holder before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Following receipt of such official written notice, Betterment Securities may require additional documents and reserves the right to retain such Assets in and/or restrict transactions in the Account as it deems advisable in its sole discretion to protect itself against any Losses. Any former Account Holder and the estate of any deceased or incapacitated Account Holder will remain jointly and severally liable for any losses in the Account arising out of or relating to transactions initiated before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Betterment Securities will not notify other Account Holders of the actions taken by any one Account Holder. Each Account Xxxxxx Holder agrees that notice provided to any one Account Holder will be deemed to be notice to all Account Holders for all purposes. Joint accounts are made available at the sole discretion of Betterment Securities. Joint accounts are not available for IRA XXX accounts.

Multiple Account Holders. If there is more than one Account Holder, the legal ownership of the Account will be as designated on the Application. If no designation is made, each Account Holder directs Betterment Securities to establish the Account as joint tenants with rights of survivorship. If there is more than one Account Holder, each Account Holder agrees to be jointly and severally liable for all obligations arising under this Brokerage Sub-Advisory Agreement or otherwise relating to the AccountAccount or participation in the Program, including responsibility for information provided through the interface Interface or by using any User ID and Password associated with the Account, regardless of which Account Holder gives such instructions, enters such orders or changes such Password. Each Account Holder has full authority, acting individually and without notice to any other Account Holder, to deal with Betterment and Betterment Securities as fully and completely as if such Account Holder were the sole Account Holder. Each Account Holder authorizes Betterment and Betterment Securities to follow the instructions of any one Account Holder concerning any matter pertaining to the Account. This includes purchase and sale of securities, delivery of any or all securities or other property in the Account to any third party, party or disbursement of any or all monies in the Account. If one Account Holder is not an owner of the a Linked Checking Account (defined in Section 1720, below), the Account Holder(s) that own(s) the that Linked Checking Account represents and warrants that each Account Holder has the legal authority to make deposits to and withdrawals from the Linked Checking Account to and from the Account. All Account Holders shall hold Betterment Securities harmless from and against any Losses arising out of or relating to any deposit to or withdrawal from the a Linked Checking Account to and from the Account by any Account Holder. Betterment Securities is not responsible for determining the purpose or propriety of any instruction given by received from any Account Holder as against any other Account Holder, or of any disposition of payments or deliveries of securities or and/or other property between or among Account Holders. At its sole discretion, Betterment Securities reserves the right to require written instructions from one or all Account Holders. If Betterment Securities receives instructions from any Account Holder that, in Betterment SecuritiesBetterment’s opinion, conflict with instructions received from any other Account Holder, Betterment Securities may comply with any of these instructions or advise each Account Holder of the apparent conflict and take no action as to any of these instructions until it actually receives and has a reasonable amount of time to act on satisfactory instructions from any or all of the Account Holders. In the event of a dispute between or among Account Holders of which Betterment Securities has notice, Betterment Securities reserves the right, but is not obligated, to place restrictions on participation in the AccountProgram. For example, if an Account Holder requests a restriction be placed on access to funds in the Account because of a pending litigation or dispute between Account Holders, Betterment Securities may prohibit all transfers of funds from the Account, including canceling ACH withdrawal privileges, with such restrictions to remain in place until Betterment Securities actually receives and has a reasonable amount of time to act on appropriate court documentation or a written, notarized instruction signed by all Account Holders. In such a case, all Account Holders remain liable for any pending ACH transactions that have not yet cleared at the time of the restriction. Betterment Securities also may, at the expense of the Account Holders, commence or defend any action or proceeding for or in the nature of interpleader to have the dispute resolved judicially. If a suit or proceeding for or in the nature of interpleader is brought by or against it, Betterment Securities may deliver the Account into the registry of the court, at which time Betterment Securities will be deemed to be and will be released and discharged from all further obligations and responsibilities under this Brokerage Sub-Advisory Agreement. Each Account Xxxxxx agrees that, on the death or disability of an Account Holder, divorce of married Account Holders, or other event that causes a change in ownership or capacity with respect to the Account, the remaining Account Holder(s) will immediately give Betterment Securities official written notice of such change of ownership or capacity. Betterment Securities will not be responsible for any transfers, payments or other transactions in the Account made at the direction of a former Account Holder or incapacitated Account Holder before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Following receipt of such official written notice, Betterment Securities may require additional documents and reserves the right to retain such Assets in and/or restrict transactions in the Account as it deems advisable in its sole discretion to protect itself against any Losses. Any former Account Holder and the estate of any deceased or incapacitated Account Holder will remain jointly and severally liable for any losses in the Account arising out of or relating to transactions initiated before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Betterment Securities will not notify other Account Holders of the actions taken by any one Account Holder. Each Account Xxxxxx agrees that notice provided to any one Account Holder will be deemed to be notice to all Account Holders for all purposes. Joint accounts are made available at the sole discretion of Betterment SecuritiesBetterment. Joint accounts are not available for IRA accounts.

Multiple Account Holders. If there is more than one Account Holder, the legal ownership of the Account will be as designated on the Application. If no designation is made, each Account Holder directs Betterment Securities to establish the Account as joint tenants with rights of survivorship. If there is more than one Account Holder, each Account Holder agrees to be jointly and severally liable for all obligations arising under this Brokerage Sub-Advisory Agreement or otherwise relating to the AccountAccount or participation in the Program, including responsibility for information provided through the interface Interface or by using any User ID and Password associated with the Account, regardless of which Account Holder gives such instructions, enters such orders or changes such Password. Each Account Holder has full authority, acting individually and without notice to any other Account Holder, to deal with Betterment and Betterment Securities as fully and completely as if such Account Holder were the sole Account Holder. Each Account Holder authorizes Betterment and Betterment Securities to follow the instructions of any one Account Holder concerning any matter pertaining to the Account. This includes purchase and sale of securities, delivery of any or all securities or other property in the Account to any third party, party or disbursement of any or all monies in the Account. If one Account Holder is not an owner of the Linked Checking Account (defined in Section 1720, below), the Account Holder(s) that own(s) the Linked Checking Account represents and warrants that each Account Holder has the legal authority to make deposits to and withdrawals from the Linked Checking Account to and from the Account. All Account Holders shall hold Betterment Securities harmless from and against any Losses arising out of or relating to any deposit to or withdrawal from the Linked Checking Account to and from the Account by any Account Holder. Betterment Securities is not responsible for determining the purpose or propriety of any instruction given by received from any Account Holder as against any other Account Holder, or of any disposition of payments or deliveries of securities or and/or other property between or among Account Holders. At its sole discretion, Betterment Securities reserves the right to require written instructions from one or all Account Holders. If Betterment Securities receives instructions from any Account Holder that, in Betterment SecuritiesBetterment’s opinion, conflict with instructions received from any other Account Holder, Betterment Securities may comply with any of these instructions or advise each Account Holder of the apparent conflict and take no action as to any of these instructions until it actually receives and has a reasonable amount of time to act on satisfactory instructions from any or all of the Account Holders. In the event of a dispute between or among Account Holders of which Betterment Securities has notice, Betterment Securities reserves the right, but is not obligated, to place restrictions on participation in the AccountProgram. For example, if an Account Holder requests a restriction be placed on access to funds in the Account because of a pending litigation or dispute between Account Holders, Betterment Securities may prohibit all transfers of funds from the Account, including canceling ACH withdrawal privileges, with such restrictions to remain in place until Betterment Securities actually receives and has a reasonable amount of time to act on appropriate court documentation or a written, notarized instruction signed by all Account Holders. In such a case, all Account Holders remain liable for any pending ACH transactions that have not yet cleared at the time of the restriction. Betterment Securities also may, at the expense of the Account Holders, commence or defend any action or proceeding for or in the nature of interpleader to have the dispute resolved judicially. If a suit or proceeding for or in the nature of interpleader is brought by or against it, Betterment Securities may deliver the Account into the registry of the court, at which time Betterment Securities will be deemed to be and will be released and discharged from all further obligations and responsibilities under this Brokerage Sub-Advisory Agreement. Each Account Xxxxxx agrees that, on the death or disability of an Account Holder, divorce of married Account Holders, or other event that causes a change in ownership or capacity with respect to the Account, the remaining Account Holder(s) will immediately give Betterment Securities official written notice of such change of ownership or capacity. Betterment Securities will not be responsible for any transfers, payments or other transactions in the Account made at the direction of a former Account Holder or incapacitated Account Holder before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Following receipt of such official written notice, Betterment Securities may require additional documents and reserves the right to retain such Assets in and/or restrict transactions in the Account as it deems advisable in its sole discretion to protect itself against any Losses. Any former Account Holder and the estate of any deceased or incapacitated Account Holder will remain jointly and severally liable for any losses in the Account arising out of or relating to transactions initiated before Betterment Securities actually received and had a reasonable amount of time to act on such official written notice. Betterment Securities will not notify other Account Holders of the actions taken by any one Account Holder. Each Account Xxxxxx agrees that notice provided to any one Account Holder will be deemed to be notice to all Account Holders for all purposes. Joint accounts are made available at the sole discretion of Betterment SecuritiesBetterment. Joint accounts are not available for IRA accounts.