Common use of Shareholder Vote of Loaned Securities Clause in Contracts

Shareholder Vote of Loaned Securities. In the event the undersigned’s securities have been loaned by Xxxxxxxx on the record date of a shareholder vote involving those securities, the undersigned agrees that the undersigned’s vote may be reduced to reflect the total amount of the undersigned’s securities loaned by Xxxxxxxx. Margin Agreement Acknowledgement Form BYSIGNINGTHISACKNOWLEDGEMENTFORM,THEUNDERSIGNED ACCEPTS THE TERMS OF THE ENCLOSED AGREEMENT, AND ACKNOWLEDGES THAT THE UNDERSINGED HAS READ AND UNDERSTOOD THE MARGIN DISCLOSURE STATEMENT WHICH DETAILS THE RISKS ASSOCIATED WITH A MARGIN ACCOUNT, AND THE UNDERSIGNED HAS READ AND UNDERSTOOD THE CREDIT TERMS EXPLAINED IN THE DISCLOSURE STATEMENT. PLEASE BE SURE THAT ALL ACCOUNT OWNERS SIGN THIS ACKNOWLEDGEMENT FORM. SPECIAL NOTE FOR NON-U.S. ACCOUNTS: With respect to assets custodied by Xxxxxxxx on the undersigned’s behalf, the undersigned acknowledges that income and capital gains or distributions to the undersigned from this account may be taxable in the undersigned’s home jurisdiction. Furthermore, interest paid to Pershing under this agreement may be subject to withholding tax in the undersigned’s home jurisdiction. It is the underssigned’s obligation to pay such withholding tax, if applicable. The undersigned acknowledges to its financial organization and to Pershing that the undersigned has taken its own tax advice in this regard. Margin Disclosure Statement The Margin Disclosure Statement is intended 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 securities in a margin account, it is important to carefully review the written Margin Agreement provided by your financial organization or its clearing firm, Pershing LLC (“Pershing”), and to consult with your financial organization regarding any questions or concerns you may have regarding margin accounts. When you purchase securities, you have the option of paying for them in full or borrowing part of the purchase price from Pershing. If you choose to borrow funds from Pershing, you will need to open a margin account with Pershing through your financial organization. The securities purchased are used as collateral for the loan that was made to you or any other indebtedness arising after the initial transaction. If the securities in your brokerage account decline in value, so does the value of the collateral supporting your loan. As a result, your financial organization or Pershing can take action. For instance, your financial organization or Pershing can issue a margin call and/or sell securities or liquidate other assets in any of your brokerage accounts held with your financial organization or Pershing in order to maintain the required equity in the margin account. It is important that you fully understand the risks involved in trading securities on margin. These risks include the following: Client Copy You can lose more funds or securities than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to Pershing to avoid the forced sale of those securities or other securities or assets in your account(s). Your financial organization or Pershing can force the sale of securities or other assets in your account(s). If the equity in your account falls below Pershing’s maintenance margin requirements or your financial organization’s higher “house” requirements, your financial organization or Pershing can sell the securities or other assets in any of your accounts to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. Your financial organization or Pershing can sell your securities or other assets without contacting you. Some investors mistakenly believe that a financial organization must contact them for a margin call to be valid, and that the financial organization cannot liquidate securities or other assets in their account(s) to meet the call unless the financial organization has contacted them first. This is not the case. Most financial organizations will attempt to notify their clients of margin calls, but they are not required to do so. However, even if a financial organization has contacted a client and provided a specific date by which the client can meet a margin call, the financial organization can still take necessary steps to protect its financial interests, including immediately selling the securities without notice to the client. Your financial organization or Pershing may change margin requirements or margin call time periods without notice to you. With regard to house, maintenance, and other margin calls, in lieu of immediate liquidations, Pershing, through your financial organization, may permit you a period of time to satisfy a call. This time period shall not in any way waive or diminish Pershing’s right in its sole discretion, to shorten the time period in which you may satisfy a call, including one already outstanding, or to demand that a call be satisfied immediately. Nor does such practice waive or diminish the right of Pershing or your financial organization to sell out positions to satisfy the call, which can be as high as the full indebtedness owed by you. Margin requirements may be established and changed by Pershing or your financial organization in its sole discretion and judgement. You are not entitled to choose which securities or other assets in your brokerage account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, your financial organization or Xxxxxxxx has the right to decide which securities to sell in order to protect its interests. Your financial organization or Pershing can increase its “house” maintenance margin requirements at any time and is not required to provide you with advance written notice. These changes in firm policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause your financial organization or Pershing to liquidate or sell securities in your brokerage account(s). You are not entitled to an extension of time on a margin call. While an extension of time to meet margin requirements may be available to investors under certain conditions, an investor does not have a right to the extension. Your written Margin Agreement with Pershing or your financial organization provides for certain important obligations by you. The Margin Agreement is a legally binding agreement, cannot be modified by conduct, and no failure on the part of Pershing or your financial organization at any time to enforce its rights under the Margin Agreement to the greatest extent permitted shall in any way be deemed to waive, modify, or relax any of the rights granted Pershing or your financial organization, including those rights vested in Pershing or your financial organization to deal with collateral on all loans advanced to you. Also, the Margin Agreement constitutes the full and entire understanding between the parties with respect to the provision of the Margin Agreement, and there are no oral or other agreements in conflict with the Margin Agreement unless you have advised Pershing or your financial organization in writing of such conflict. Any future modification, amendment, or supplement of the Margin Agreement or any individual provision of the Margin Agreement can only be in writing signed by a representative of Pershing. You should carefully review your Margin Agreement for the rights and limitations governing your margin account relationship.

Shareholder Vote of Loaned Securities. In the event the undersigned’s securities have been loaned by Xxxxxxxx Pershing on the record date of a shareholder vote involving those securities, the undersigned agrees that the undersigned’s vote may be reduced to reflect the total amount of the undersigned’s securities loaned by XxxxxxxxPershing. Margin Agreement Acknowledgement Form BYSIGNINGTHISACKNOWLEDGEMENTFORM,THEUNDERSIGNED BY SIGNING THIS ACKNOWLEDGEMENT FORM, THE UNDERSIGNED ACCEPTS THE TERMS OF THE ENCLOSED AGREEMENT, AND ACKNOWLEDGES THAT THE UNDERSINGED HAS READ AND UNDERSTOOD THE MARGIN DISCLOSURE STATEMENT WHICH DETAILS THE RISKS ASSOCIATED WITH A MARGIN ACCOUNT, AND THE UNDERSIGNED HAS READ AND UNDERSTOOD THE CREDIT TERMS EXPLAINED IN THE DISCLOSURE STATEMENT. PLEASE BE SURE THAT ALL ACCOUNT OWNERS SIGN THIS ACKNOWLEDGEMENT FORM. SPECIAL NOTE FOR NON-U.S. ACCOUNTS: With respect to assets custodied by Xxxxxxxx Pershing on the undersigned’s behalf, the undersigned acknowledges that income and capital gains or distributions to the undersigned from this account may be taxable in the undersigned’s home jurisdiction. Furthermore, interest paid to Pershing under this agreement may be subject to withholding tax in the undersigned’s home jurisdiction. It is the underssigned’s obligation to pay such withholding tax, if applicable. The undersigned acknowledges to its financial organization and to Pershing that the undersigned has taken its own tax advice in this regard. ACCOUNT OWNER(S) SIGNATURE(S) PLEASE BE SURE THAT ALL ACCOUNT OWNERS SIGN THIS ACKNOWLEDGEMENT FORM. THE UNDERSIGNED ACKNOWLEDGES THAT BY SIGNING THIS AGREEMENT THAT SECURITIES NOT FULLY PAID FOR BY THE UNDERSIGNED MAY BE LOANED TO PERSHING OR LOANED OUT TO OTHERS. THE MARGIN AGREEMENT CONTAINS A PREDISPUTE ARBITRATION CLAUSE IN PARAGRAPHS 20 AND 21 ON PAGE 3 IN THIS AGREEMENT. THE UNDERSIGNED ACKNOWLEDGES RECEIVING A COPY. Margin Account Number Authorized Signer Print Name Date Signature X Authorized Signer Print Name Date Signature X Authorized Signer Print Name Date Signature X Authorized Signer Print Name Date Signature X Authorized Signer Print Name Date Signature X Please Complete if a Corporation, Partnership, or Other Entity Name of Entity Date Title Seal Signature X Margin Disclosure Statement The Margin Disclosure Statement is intended 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 securities in a margin account, it is important to carefully review the written Margin Agreement provided by your financial organization or its clearing firm, Pershing LLC (“"Pershing”"), and to consult with your financial organization regarding any questions or concerns you may have regarding margin accounts. When you purchase securities, you have the option of paying for them in full or borrowing part of the purchase price from Pershing. If you choose to borrow funds from Pershing, you will need to open a margin account with Pershing through your financial organization. The securities purchased are used as collateral for the loan that was made to you or any other indebtedness arising after the initial transaction. If the securities in your brokerage account decline in value, so does the value of the collateral supporting your loan. As a result, your financial organization or Pershing can take action. For instance, your financial organization or Pershing can issue a margin call and/or sell securities or liquidate other assets in any of your brokerage accounts held with your financial organization or Pershing in order to maintain the required equity in the margin account. It is important that you fully understand the risks involved in trading securities on margin. These risks include the following: Client Copy You can lose more funds or securities than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to Pershing to avoid the forced sale of those securities or other securities or assets in your account(s). Your financial organization or Pershing can force the sale of securities or other assets in your account(s). If the equity in your account falls below Pershing’s maintenance margin requirements or your financial organization’s higher “"house” " requirements, your financial organization or Pershing can sell the securities or other assets in any of your accounts to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. Your financial organization or Pershing can sell your securities or other assets without contacting you. Some investors mistakenly believe that a financial organization must contact them for a margin call to be valid, and that the financial organization cannot liquidate securities or other assets in their account(s) to meet the call unless the financial organization has contacted them first. This is not the case. Most financial organizations will attempt to notify their clients of margin calls, but they are not required to do so. However, even if a financial organization has contacted a client and provided a specific date by which the client can meet a margin call, the financial organization can still take necessary steps to protect its financial interests, including immediately selling the securities without notice to the client. Your financial organization or Pershing may change margin requirements or margin call time periods without notice to you. With regard to house, maintenance, and other margin calls, in lieu of immediate liquidations, Pershing, through your financial organization, may permit you a period of time to satisfy a call. This time period shall not in any way waive or diminish Pershing’s right in its sole discretion, to shorten the time period in which you may satisfy a call, including one already outstanding, or to demand that a call be satisfied immediately. Nor does such practice waive or diminish the right of Pershing or your financial organization to sell out positions to satisfy the call, which can be as high as the full indebtedness owed by you. Margin requirements may be established and changed by Pershing or your financial organization in its sole discretion and judgement. You are not entitled to choose which securities or other assets in your brokerage account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, your financial organization or Xxxxxxxx Pershing has the right to decide which securities to sell in order to protect its interests. Your financial organization or Pershing can increase its “"house” " maintenance margin requirements at any time and is not required to provide you with advance written notice. These changes in firm policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause your financial organization or Pershing to liquidate or sell securities in your brokerage account(s). You are not entitled to an extension of time on a margin call. While an extension of time to meet margin requirements may be available to investors under certain conditions, an investor does not have a right to the extension. Your written Margin Agreement with Pershing or your financial organization provides for certain important obligations by you. The Margin Agreement is a legally binding agreement, cannot be modified by conduct, and no failure on the part of Pershing or your financial organization at any time to enforce its rights under the Margin Agreement to the greatest extent permitted shall in any way be deemed to waive, modify, or relax any of the rights granted Pershing or your financial organization, including those rights vested in Pershing or your financial organization to deal with collateral on all loans advanced to you. Also, the Margin Agreement constitutes the full and entire understanding between the parties with respect to the provision of the Margin Agreement, and there are no oral or other agreements in conflict with the Margin Agreement unless you have advised Pershing or your financial organization in writing of such conflict. Any future modification, amendment, or supplement of the Margin Agreement or any individual provision of the Margin Agreement can only be in writing signed by a representative of Pershing. You should carefully review your Margin Agreement for the rights and limitations governing your margin account relationship.

Shareholder Vote of Loaned Securities. In the event the undersigned’s securities have been loaned by Xxxxxxxx on the record date of a shareholder vote involving those securities, the undersigned agrees that the undersigned’s vote may be reduced to reflect the total amount of the undersigned’s securities loaned by Xxxxxxxx. Margin Agreement Acknowledgement Form BYSIGNINGTHISACKNOWLEDGEMENTFORM,THEUNDERSIGNED ACCEPTS THE TERMS OF THE ENCLOSED AGREEMENT, AND ACKNOWLEDGES THAT THE UNDERSINGED HAS READ AND UNDERSTOOD THE MARGIN DISCLOSURE STATEMENT WHICH DETAILS THE RISKS ASSOCIATED WITH A MARGIN ACCOUNT, AND THE UNDERSIGNED HAS READ AND UNDERSTOOD THE CREDIT TERMS EXPLAINED IN THE DISCLOSURE STATEMENT. PLEASE BE SURE THAT ALL ACCOUNT OWNERS SIGN THIS ACKNOWLEDGEMENT FORM. SPECIAL NOTE FOR NON-U.S. ACCOUNTS: With respect to assets custodied by Xxxxxxxx on the undersigned’s behalf, the undersigned acknowledges that income and capital gains or distributions to the undersigned from this account may be taxable in the undersigned’s home jurisdiction. Furthermore, interest paid to Pershing under this agreement may be subject to withholding tax in the undersigned’s home jurisdiction. It is the underssigned’s obligation to pay such withholding tax, if applicable. The undersigned acknowledges to its financial organization and to Pershing that the undersigned has taken its own tax advice in this regard. ACCOUNT OWNER(S) SIGNATURE(S) THE UNDERSIGNED ACKNOWLEDGES THAT BY SIGNING THIS AGREEMENT THAT SECURITIES NOT FULLY PAID FOR BY THE UNDERSIGNED MAY BE LOANED TO PERSHING OR LOANED OUT TO OTHERS. THE MARGIN AGREEMENT CONTAINS A PREDISPUTE ARBITRATION CLAUSE IN PARAGRAPHS 20 AND 21 ON PAGE 3 IN THIS AGREEMENT. THE UNDERSIGNED ACKNOWLEDGES RECEIVING A COPY. Margin Account Number — Primary Account Owner Print Name Date — — Signature X Joint Account Owner Print Name Date — — Signature X Joint Account Owner Print Name Date — — Signature X Joint Account Owner Print Name Date — — Signature X Joint Account Owner Print Name Date — — Signature X Please Complete if a Corporation, Partnership, or Other Entity PLEASE BE SURE THAT ALL ACCOUNT OWNERS SIGN THIS ACKNOWLEDGEMENT FORM. Name of Entity Date — — Title Seal Signature X Margin Disclosure Statement The Margin Disclosure Statement is intended 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 securities in a margin account, it is important to carefully review the written Margin Agreement provided by your financial organization or its clearing firm, Pershing LLC (“Pershing”), and to consult with your financial organization regarding any questions or concerns you may have regarding margin accounts. When you purchase securities, you have the option of paying for them in full or borrowing part of the purchase price from Pershing. If you choose to borrow funds from Pershing, you will need to open a margin account with Pershing through your financial organization. The securities purchased are used as collateral for the loan that was made to you or any other indebtedness arising after the initial transaction. If the securities in your brokerage account decline in value, so does the value of the collateral supporting your loan. As a result, your financial organization or Pershing can take action. For instance, your financial organization or Pershing can issue a margin call and/or sell securities or liquidate other assets in any of your brokerage accounts held with your financial organization or Pershing in order to maintain the required equity in the margin account. It is important that you fully understand the risks involved in trading securities on margin. These risks include the following: Client Copy You can lose more funds or securities than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to Pershing to avoid the forced sale of those securities or other securities or assets in your account(s). Your financial organization or Pershing can force the sale of securities or other assets in your account(s). If the equity in your account falls below Pershing’s maintenance margin requirements or your financial organization’s higher “house” requirements, your financial organization or Pershing can sell the securities or other assets in any of your accounts to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. Your financial organization or Pershing can sell your securities or other assets without contacting you. Some investors mistakenly believe that a financial organization must contact them for a margin call to be valid, and that the financial organization cannot liquidate securities or other assets in their account(s) to meet the call unless the financial organization has contacted them first. This is not the case. Most financial organizations will attempt to notify their clients of margin calls, but they are not required to do so. However, even if a financial organization has contacted a client and provided a specific date by which the client can meet a margin call, the financial organization can still take necessary steps to protect its financial interests, including immediately selling the securities without notice to the client. Your financial organization or Pershing may change margin requirements or margin call time periods without notice to you. With regard to house, maintenance, and other margin calls, in lieu of immediate liquidations, Pershing, through your financial organization, may permit you a period of time to satisfy a call. This time period shall not in any way waive or diminish Pershing’s right in its sole discretion, to shorten the time period in which you may satisfy a call, including one already outstanding, or to demand that a call be satisfied immediately. Nor does such practice waive or diminish the right of Pershing or your financial organization to sell out positions to satisfy the call, which can be as high as the full indebtedness owed by you. Margin requirements may be established and changed by Pershing or your financial organization in its sole discretion and judgement. You are not entitled to choose which securities or other assets in your brokerage account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, your financial organization or Xxxxxxxx has the right to decide which securities to sell in order to protect its interests. Your financial organization or Pershing can increase its “house” maintenance margin requirements at any time and is not required to provide you with advance written notice. These changes in firm policy often take effect etfect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause your financial organization or Pershing to liquidate or sell securities in your brokerage account(s). You are not entitled to an extension of time on a margin call. While an extension of time to meet margin requirements may be available to investors under certain conditions, an investor does not have a right to the extension. Your written Margin Agreement with Pershing or your financial organization provides for certain important obligations by you. The Margin Agreement is a legally binding agreement, cannot be modified by conduct, and no failure on the part of Pershing or your financial organization at any time to enforce its rights under the Margin Agreement to the greatest extent permitted shall in any way be deemed to waive, modify, or relax any of the rights granted Pershing or your financial organization, including those rights vested in Pershing or your financial organization to deal with collateral on all loans advanced to you. Also, the Margin Agreement constitutes the full and entire understanding between the parties with respect to the provision of the Margin Agreement, and there are no oral or other agreements in conflict with the Margin Agreement unless you have advised Pershing or your financial organization in writing of such conflict. Any future modification, amendment, or supplement of the Margin Agreement or any individual provision of the Margin Agreement can only be in writing signed by a representative of Pershing. You should carefully review your Margin Agreement for the rights and limitations governing your margin account relationship.

Shareholder Vote of Loaned Securities. In the event the undersigned’s securities have been loaned by Xxxxxxxx Pershing on the record date of a shareholder vote involving those securities, the undersigned agrees that the undersigned’s vote may be reduced to reflect the total amount of the undersigned’s securities loaned by XxxxxxxxPershing. Margin Agreement Acknowledgement Form BYSIGNINGTHISACKNOWLEDGEMENTFORM,THEUNDERSIGNED ACCEPTS BY SIGNING THIS ACKNOWLEDGEMENT FORM, YOU ACCEPT THE TERMS OF THE ENCLOSED AGREEMENT, AND ACKNOWLEDGES THAT THE UNDERSINGED HAS YOU ACKNOWLEDGE YOU HAVE READ AND UNDERSTOOD THE MARGIN DISCLOSURE STATEMENT WHICH DETAILS THE RISKS ASSOCIATED WITH A MARGIN ACCOUNT, AND THE UNDERSIGNED HAS YOU HAVE READ AND UNDERSTOOD THE CREDIT TERMS EXPLAINED IN THE DISCLOSURE STATEMENT. PLEASE BE SURE THAT ALL ACCOUNT OWNERS SIGN THIS ACKNOWLEDGEMENT FORM. SPECIAL NOTE FOR NON-U.S. ACCOUNTS: With respect to assets custodied by Xxxxxxxx Pershing on the undersigned’s your behalf, the undersigned acknowledges you acknowledge that income and capital gains or distributions to the undersigned you from this account may be taxable in the undersigned’s your home jurisdiction. Furthermore, interest paid You acknowledge to Pershing under this agreement may be subject to withholding tax in the undersigned’s home jurisdiction. It is the underssigned’s obligation to pay such withholding tax, if applicable. The undersigned acknowledges to its your financial organization and to Pershing that the undersigned has you have taken its your own tax advice in this regard. THE MARGIN AGREEMENT CONTAINS A PREDISPUTE ARBITRATION CLAUSE IN PARAGRAPHS 20 AND 21 ON THIS PAGE. I ACKNOWLEDGE RECEIVING A COPY OF THIS AGREEMENT AND ACCEPT ITS TERMS PER MY SIGNATURE BELOW. ACCOUNT OWNER(S) SIGNATURE(S) (Please provide all account owners’ signatures.) Margin Disclosure Statement The Margin Disclosure Statement is intended to provide some basic facts about purchasing securities on margin and to alert you to the risks involved with trading securities in a margin accountAccount Number Primary Account Owner (Sign name here) X Primary Account Owner (Print name here) Joint Account Owner (Sign name here) X Joint Account Owner (Print name here) PLEASE COMPLETE IF A CORPORATION, PARTNERSHIP, OR OTHER ENTITY. Before trading securities in a margin accountCLAIM THAT IS INELIGIBLE FOR ARBITRATION MAY BE BROUGHT IN COURT. > THE RULES OF THE ARBITRATION FORUM IN WHICH THE CLAIM IS FILED, it is important to carefully review the written Margin Agreement provided by your financial organization or its clearing firmAND ANY AMENDMENTS THERETO, Pershing LLC (“Pershing”), and to consult with your financial organization regarding any questions or concerns you may have regarding margin accounts. When you purchase securities, you have the option of paying for them in full or borrowing part of the purchase price from Pershing. If you choose to borrow funds from Pershing, you will need to open a margin account with Pershing through your financial organization. The securities purchased are used as collateral for the loan that was made to you or any other indebtedness arising after the initial transaction. If the securities in your brokerage account decline in value, so does the value of the collateral supporting your loan. As a result, your financial organization or Pershing can take action. For instance, your financial organization or Pershing can issue a margin call and/or sell securities or liquidate other assets in any of your brokerage accounts held with your financial organization or Pershing in order to maintain the required equity in the margin account. It is important that you fully understand the risks involved in trading securities on margin. These risks include the following: Client Copy You can lose more funds or securities than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to Pershing to avoid the forced sale of those securities or other securities or assets in your account(s). Your financial organization or Pershing can force the sale of securities or other assets in your account(s). If the equity in your account falls below Pershing’s maintenance margin requirements or your financial organization’s higher “house” requirements, your financial organization or Pershing can sell the securities or other assets in any of your accounts to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. Your financial organization or Pershing can sell your securities or other assets without contacting you. Some investors mistakenly believe that a financial organization must contact them for a margin call to be valid, and that the financial organization cannot liquidate securities or other assets in their account(s) to meet the call unless the financial organization has contacted them first. This is not the case. Most financial organizations will attempt to notify their clients of margin calls, but they are not required to do so. However, even if a financial organization has contacted a client and provided a specific date by which the client can meet a margin call, the financial organization can still take necessary steps to protect its financial interests, including immediately selling the securities without notice to the client. Your financial organization or Pershing may change margin requirements or margin call time periods without notice to you. With regard to house, maintenance, and other margin calls, in lieu of immediate liquidations, Pershing, through your financial organization, may permit you a period of time to satisfy a call. This time period shall not in any way waive or diminish Pershing’s right in its sole discretion, to shorten the time period in which you may satisfy a call, including one already outstanding, or to demand that a call be satisfied immediately. Nor does such practice waive or diminish the right of Pershing or your financial organization to sell out positions to satisfy the call, which can be as high as the full indebtedness owed by you. Margin requirements may be established and changed by Pershing or your financial organization in its sole discretion and judgement. You are not entitled to choose which securities or other assets in your brokerage account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, your financial organization or Xxxxxxxx has the right to decide which securities to sell in order to protect its interests. Your financial organization or Pershing can increase its “house” maintenance margin requirements at any time and is not required to provide you with advance written notice. These changes in firm policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause your financial organization or Pershing to liquidate or sell securities in your brokerage account(s). You are not entitled to an extension of time on a margin call. While an extension of time to meet margin requirements may be available to investors under certain conditions, an investor does not have a right to the extension. Your written Margin Agreement with Pershing or your financial organization provides for certain important obligations by you. The Margin Agreement is a legally binding agreement, cannot be modified by conduct, and no failure on the part of Pershing or your financial organization at any time to enforce its rights under the Margin Agreement to the greatest extent permitted shall in any way be deemed to waive, modify, or relax any of the rights granted Pershing or your financial organization, including those rights vested in Pershing or your financial organization to deal with collateral on all loans advanced to you. Also, the Margin Agreement constitutes the full and entire understanding between the parties with respect to the provision of the Margin Agreement, and there are no oral or other agreements in conflict with the Margin Agreement unless you have advised Pershing or your financial organization in writing of such conflict. Any future modification, amendment, or supplement of the Margin Agreement or any individual provision of the Margin Agreement can only be in writing signed by a representative of Pershing. You should carefully review your Margin Agreement for the rights and limitations governing your margin account relationshipSHALL BE INCORPORATED INTO THIS AGREEMENT.

Shareholder Vote of Loaned Securities. In the event the undersigned’s securities have been loaned by Xxxxxxxx on the record date of a shareholder vote involving those securities, the undersigned agrees that the undersigned’s vote may be reduced to reflect the total amount of the undersigned’s securities loaned by Xxxxxxxx. Margin Agreement Acknowledgement Form BYSIGNINGTHISACKNOWLEDGEMENTFORM,THEUNDERSIGNED BY SIGNING THIS ACKNOWLEDGEMENT FORM, THE UNDERSIGNED ACCEPTS THE TERMS OF THE ENCLOSED AGREEMENT, AND ACKNOWLEDGES THAT THE UNDERSINGED HAS READ AND UNDERSTOOD THE MARGIN DISCLOSURE STATEMENT WHICH DETAILS THE RISKS ASSOCIATED WITH A MARGIN ACCOUNT, AND THE UNDERSIGNED HAS READ AND UNDERSTOOD THE CREDIT TERMS EXPLAINED IN THE DISCLOSURE STATEMENT. PLEASE BE SURE THAT ALL ACCOUNT OWNERS SIGN THIS ACKNOWLEDGEMENT FORM. SPECIAL NOTE FOR NON-U.S. ACCOUNTS: With respect to assets custodied by Xxxxxxxx on the undersigned’s behalf, the undersigned acknowledges that income and capital gains or distributions to the undersigned from this account may be taxable in the undersigned’s home jurisdiction. Furthermore, interest paid to Pershing under this agreement may be subject to withholding tax in the undersigned’s home jurisdiction. It is the underssigned’s obligation to pay such withholding tax, if applicable. The undersigned acknowledges to its financial organization and to Pershing that the undersigned has taken its own tax advice in this regard. Margin Disclosure Statement The Margin Disclosure Statement is intended 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 securities in a margin account, it is important to carefully review the written Margin Agreement provided by your financial organization or its clearing firm, Pershing LLC (“"Pershing”"), and to consult with your financial organization regarding any questions or concerns you may have regarding margin accounts. When you purchase securities, you have the option of paying for them in full or borrowing part of the purchase price from Pershing. If you choose to borrow funds from Pershing, you will need to open a margin account with Pershing through your financial organization. The securities purchased are used as collateral for the loan that was made to you or any other indebtedness arising after the initial transaction. If the securities in your brokerage account decline in value, so does the value of the collateral supporting your loan. As a result, your financial organization or Pershing can take action. For instance, your financial organization or Pershing can issue a margin call and/or sell securities or liquidate other assets in any of your brokerage accounts held with your financial organization or Pershing in order to maintain the required equity in the margin account. It is important that you fully understand the risks involved in trading securities on margin. These risks include the following: Client Copy You can lose more funds or securities than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to Pershing to avoid the forced sale of those securities or other securities or assets in your account(s). Your financial organization or Pershing can force the sale of securities or other assets in your account(s). Client Copy If the equity in your account falls below Pershing’s maintenance margin requirements or your financial organization’s higher “"house” " requirements, your financial organization or Pershing can sell the securities or other assets in any of your accounts to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. Your financial organization or Pershing can sell your securities or other assets without contacting you. Some investors mistakenly believe that a financial organization must contact them for a margin call to be valid, and that the financial organization cannot liquidate securities or other assets in their account(s) to meet the call unless the financial organization has contacted them first. This is not the case. Most financial organizations will attempt to notify their clients of margin calls, but they are not required to do so. However, even if a financial organization has contacted a client and provided a specific date by which the client can meet a margin call, the financial organization can still take necessary steps to protect its financial interests, including immediately selling the securities without notice to the client. Your financial organization or Pershing may change margin requirements or margin call time periods without notice to you. With regard to house, maintenance, and other margin calls, in lieu of immediate liquidations, Pershing, through your financial organization, may permit you a period of time to satisfy a call. This time period shall not in any way waive or diminish Pershing’s right in its sole discretion, to shorten the time period in which you may satisfy a call, including one already outstanding, or to demand that a call be satisfied immediately. Nor does such practice waive or diminish the right of Pershing or your financial organization to sell out positions to satisfy the call, which can be as high as the full indebtedness owed by you. Margin requirements may be established and changed by Pershing or your financial organization in its sole discretion and judgement. You are not entitled to choose which securities or other assets in your brokerage account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, your financial organization or Xxxxxxxx has the right to decide which securities to sell in order to protect its interests. Your financial organization or Pershing can increase its “"house” " maintenance margin requirements at any time and is not required to provide you with advance written notice. These changes in firm policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause your financial organization or Pershing to liquidate or sell securities in your brokerage account(s). You are not entitled to an extension of time on a margin call. While an extension of time to meet margin requirements may be available to investors under certain conditions, an investor does not have a right to the extension. Your written Margin Agreement with Pershing or your financial organization provides for certain important obligations by you. The Margin Agreement is a legally binding agreement, cannot be modified by conduct, and no failure on the part of Pershing or your financial organization at any time to enforce its rights under the Margin Agreement to the greatest extent permitted shall in any way be deemed to waive, modify, or relax any of the rights granted Pershing or your financial organization, including those rights vested in Pershing or your financial organization to deal with collateral on all loans advanced to you. Also, the Margin Agreement constitutes the full and entire understanding between the parties with respect to the provision of the Margin Agreement, and there are no oral or other agreements in conflict with the Margin Agreement unless you have advised Pershing or your financial organization in writing of such conflict. Any future modification, amendment, or supplement of the Margin Agreement or any individual provision of the Margin Agreement can only be in writing signed by a representative of Pershing. You should carefully review your Margin Agreement for the rights and limitations governing your margin account relationship.

Shareholder Vote of Loaned Securities. In the event the undersigned’s securities have been loaned by Xxxxxxxx Pershing on the record date of a shareholder vote involving those securities, the undersigned agrees that the undersigned’s vote may be reduced to reflect the total amount of the undersigned’s securities loaned by XxxxxxxxPershing. Margin Agreement Acknowledgement Form BYSIGNINGTHISACKNOWLEDGEMENTFORM,THEUNDERSIGNED ACCEPTS THE TERMS OF THE ENCLOSED AGREEMENT, AND ACKNOWLEDGES THAT THE UNDERSINGED HAS READ AND UNDERSTOOD THE MARGIN DISCLOSURE STATEMENT WHICH DETAILS THE RISKS ASSOCIATED WITH A MARGIN ACCOUNT, AND THE UNDERSIGNED HAS READ AND UNDERSTOOD THE CREDIT TERMS EXPLAINED IN THE DISCLOSURE STATEMENT. PLEASE BE SURE THAT ALL ACCOUNT OWNERS SIGN THIS ACKNOWLEDGEMENT FORM. SPECIAL NOTE FOR NON-U.S. ACCOUNTS: With respect to assets custodied by Xxxxxxxx Pershing on the undersigned’s behalf, the undersigned acknowledges that income and capital gains or distributions to the undersigned from this account may be taxable in the undersigned’s home jurisdiction. Furthermore, interest paid to Pershing under this agreement may be subject to withholding tax in the undersigned’s home jurisdiction. It is the underssigned’s obligation to pay such withholding tax, if applicable. The undersigned acknowledges to its financial organization and to Pershing that the undersigned has taken its own tax advice in this regard. CreditAdvance Margin Agreement ACCOUNT OWNER(S) SIGNATURE(S) THE UNDERSIGNED ACKNOWLEDGES THAT BY SIGNING THIS AGREEMENT THAT SECURITIES NOT FULLY PAID FOR BY THE UNDERSIGNED MAY BE LOANED TO PERSHING OR LOANED OUT TO OTHERS. THE MARGIN AGREEMENT CONTAINS A PREDISPUTE ARBITRATION CLAUSE IN PARAGRAPHS 20 AND 21 ON PAGE 3 IN THIS AGREEMENT. THE UNDERSIGNED ACKNOWLEDGES RECEIVING A COPY. Margin Account Number — Primary Account Owner Print Name Date — — Signature X Joint Account Owner Print Name Date — — Signature X Joint Account Owner Print Name Date — — Signature X Joint Account Owner Print Name Date — — Signature X Joint Account Owner Print Name Date — — Signature X Please Complete if a Corporation, Partnership, or Other Entity PLEASE BE SURE THAT ALL ACCOUNT OWNERS SIGN THIS ACKNOWLEDGEMENT FORM. Name of Entity Date — — Title Seal Signature X Margin Disclosure Statement The Margin Disclosure Statement is intended 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 securities in a margin account, it is important to carefully review the written Margin Agreement provided by your financial organization or its clearing firm, Pershing LLC (“Pershing”), and to consult with your financial organization regarding any questions or concerns you may have regarding margin accounts. When you purchase securities, you have the option of paying for them in full or borrowing part of the purchase price from Pershing. If you choose to borrow funds from Pershing, you will need to open a margin account with Pershing through your financial organization. The securities purchased are used as collateral for the loan that was made to you or any other indebtedness arising after the initial transaction. If the securities in your brokerage account decline in value, so does the value of the collateral supporting your loan. As a result, your financial organization or Pershing can take action. For instance, your financial organization or Pershing can issue a margin call and/or sell securities or liquidate other assets in any of your brokerage accounts held with your financial organization or Pershing in order to maintain the required equity in the margin account. It is important that you fully understand the risks involved in trading securities on margin. These risks include the following: Client Copy You can lose more funds or securities than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to Pershing to avoid the forced sale of those securities or other securities or assets in your account(s). Your financial organization or Pershing can force the sale of securities or other assets in your account(s). If the equity in your account falls below Pershing’s maintenance margin requirements or your financial organization’s higher “house” requirements, your financial organization or Pershing can sell the securities or other assets in any of your accounts to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. Your financial organization or Pershing can sell your securities or other assets without contacting you. Some investors mistakenly believe that a financial organization must contact them for a margin call to be valid, and that the financial organization cannot liquidate securities or other assets in their account(s) to meet the call unless the financial organization has contacted them first. This is not the case. Most financial organizations will attempt to notify their clients of margin calls, but they are not required to do so. However, even if a financial organization has contacted a client and provided a specific date by which the client can meet a margin call, the financial organization can still take necessary steps to protect its financial interests, including immediately selling the securities without notice to the client. Your financial organization or Pershing may change margin requirements or margin call time periods without notice to you. With regard to house, maintenance, and other margin calls, in lieu of immediate liquidations, Pershing, through your financial organization, may permit you a period of time to satisfy a call. This time period shall not in any way waive or diminish Pershing’s right in its sole discretion, to shorten the time period in which you may satisfy a call, including one already outstanding, or to demand that a call be satisfied immediately. Nor does such practice waive or diminish the right of Pershing or your financial organization to sell out positions to satisfy the call, which can be as high as the full indebtedness owed by you. Margin requirements may be established and changed by Pershing or your financial organization in its sole discretion and judgement. You are not entitled to choose which securities or other assets in your brokerage account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, your financial organization or Xxxxxxxx Pershing has the right to decide which securities to sell in order to protect its interests. Your financial organization or Pershing can increase its “house” maintenance margin requirements at any time and is not required to provide you with advance written notice. These changes in firm policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause your financial organization or Pershing to liquidate or sell securities in your brokerage account(s). You are not entitled to an extension of time on a margin call. While an extension of time to meet margin requirements may be available to investors under certain conditions, an investor does not have a right to the extension. Your written Margin Agreement with Pershing or your financial organization provides for certain important obligations by you. The Margin Agreement is a legally binding agreement, cannot be modified by conduct, and no failure on the part of Pershing or your financial organization at any time to enforce its rights under the Margin Agreement to the greatest extent permitted shall in any way be deemed to waive, modify, or relax any of the rights granted Pershing or your financial organization, including those rights vested in Pershing or your financial organization to deal with collateral on all loans advanced to you. Also, the Margin Agreement constitutes the full and entire understanding between the parties with respect to the provision of the Margin Agreement, and there are no oral or other agreements in conflict with the Margin Agreement unless you have advised Pershing or your financial organization in writing of such conflict. Any future modification, amendment, or supplement of the Margin Agreement or any individual provision of the Margin Agreement can only be in writing signed by a representative of Pershing. You should carefully review your Margin Agreement for the rights and limitations governing your margin account relationship.

Shareholder Vote of Loaned Securities. In the event the undersigned’s securities have been loaned by Xxxxxxxx Pershing on the record date of a shareholder vote involving those securities, the undersigned agrees that the undersigned’s vote may be reduced to reflect the total amount of the undersigned’s securities loaned by XxxxxxxxPershing. Margin Agreement Acknowledgement Form BYSIGNINGTHISACKNOWLEDGEMENTFORM,THEUNDERSIGNED ACCEPTS MARGIN AGREEMENT ACKNOWLEDGEMENT FORM BY SIGNING THIS ACKNOWLEDGEMENT FORM, YOU ACCEPT THE TERMS OF THE ENCLOSED AGREEMENT, AND ACKNOWLEDGES THAT THE UNDERSINGED HAS YOU ACKNOWLEDGE YOU HAVE READ AND UNDERSTOOD THE MARGIN DISCLOSURE STATEMENT WHICH DETAILS THE RISKS ASSOCIATED WITH A MARGIN ACCOUNT, AND THE UNDERSIGNED HAS YOU HAVE READ AND UNDERSTOOD THE CREDIT TERMS EXPLAINED IN THE DISCLOSURE STATEMENT. PLEASE BE SURE THAT ALL ACCOUNT OWNERS SIGN THIS ACKNOWLEDGEMENT FORM. SPECIAL NOTE FOR NON-U.S. ACCOUNTS: With respect to assets custodied by Xxxxxxxx Pershing on the undersigned’s your behalf, the undersigned acknowledges you acknowledge that income and capital gains or distributions to the undersigned you from this account may be taxable in the undersigned’s your home jurisdiction. Furthermore, interest paid You acknowledge to Pershing under this agreement may be subject to withholding tax in the undersigned’s home jurisdiction. It is the underssigned’s obligation to pay such withholding tax, if applicable. The undersigned acknowledges to its your financial organization and to Pershing that the undersigned has you have taken its your own tax advice in this regard. Margin Disclosure Statement The Margin Disclosure Statement is intended to THE MARGIN AGREEMENT CONTAINS A PREDISPUTE ARBITRATION CLAUSE IN PARAGRAPHS 20 AND 21. I ACKNOWLEDGE RECEIVING A COPY OF THIS AGREEMENT AND ACCEPT ITS TERMS PER MY SIGNATURE BELOW. ACCOUNT OWNER(S) SIGNATURE(S) (Please provide some basic facts about purchasing securities on margin and to alert you to the risks involved with trading securities in all account owners’ signatures.) MARGIN ACCOUNT NUMBER PRIMARY ACCOUNT OWNER (Sign name here) PRIMARY ACCOUNT OWNER (Print name here) JOINT ACCOUNT OWNER (Sign name here) JOINT ACCOUNT OWNER (Print name here) (Please complete if a margin account. Before trading securities in a margin accountcorporation, it is important to carefully review the written Margin Agreement provided by your financial organization or its clearing firmpartnership, Pershing LLC (“Pershing”), and to consult with your financial organization regarding any questions or concerns you may have regarding margin accounts. When you purchase securities, you have the option of paying for them in full or borrowing part of the purchase price from Pershing. If you choose to borrow funds from Pershing, you will need to open a margin account with Pershing through your financial organization. The securities purchased are used as collateral for the loan that was made to you or any other indebtedness arising after the initial transaction. If the securities in your brokerage account decline in value, so does the value of the collateral supporting your loan. As a result, your financial organization or Pershing can take action. For instance, your financial organization or Pershing can issue a margin call and/or sell securities or liquidate other assets in any of your brokerage accounts held with your financial organization or Pershing in order to maintain the required equity in the margin account. It is important that you fully understand the risks involved in trading securities on margin. These risks include the following: Client Copy You can lose more funds or securities than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to Pershing to avoid the forced sale of those securities or other securities or assets in your account(s). Your financial organization or Pershing can force the sale of securities or other assets in your account(s). If the equity in your account falls below Pershing’s maintenance margin requirements or your financial organization’s higher “house” requirementsentity.) NAME OF ENTITY ACCOUNT OWNERS(S) SIGNATURE(S) TITLE SEAL DATE Xxx Xxxxxxxx Xxxxx Xxxxxx Xxxx, your financial organization or Pershing can sell the securities or other assets in any of your accounts to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. Your financial organization or Pershing can sell your securities or other assets without contacting you. Some investors mistakenly believe that a financial organization must contact them for a margin call to be valid, and that the financial organization cannot liquidate securities or other assets in their account(s) to meet the call unless the financial organization has contacted them first. This is not the case. Most financial organizations will attempt to notify their clients of margin calls, but they are not required to do so. However, even if a financial organization has contacted a client and provided a specific date by which the client can meet a margin call, the financial organization can still take necessary steps to protect its financial interests, including immediately selling the securities without notice to the client. Your financial organization or Pershing may change margin requirements or margin call time periods without notice to you. With regard to house, maintenance, and other margin calls, in lieu of immediate liquidations, Pershing, through your financial organization, may permit you a period of time to satisfy a call. This time period shall not in any way waive or diminish Pershing’s right in its sole discretion, to shorten the time period in which you may satisfy a call, including one already outstanding, or to demand that a call be satisfied immediately. Nor does such practice waive or diminish the right of Pershing or your financial organization to sell out positions to satisfy the call, which can be as high as the full indebtedness owed by you. Margin requirements may be established and changed by Pershing or your financial organization in its sole discretion and judgement. You are not entitled to choose which securities or other assets in your brokerage account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, your financial organization or Xxxxxxxx has the right to decide which securities to sell in order to protect its interests. Your financial organization or Pershing can increase its “house” maintenance margin requirements at any time and is not required to provide you with advance written notice. These changes in firm policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause your financial organization or Pershing to liquidate or sell securities in your brokerage account(s). You are not entitled to an extension of time on a margin call. While an extension of time to meet margin requirements may be available to investors under certain conditions, an investor does not have a right to the extension. Your written Margin Agreement with Pershing or your financial organization provides for certain important obligations by you. The Margin Agreement is a legally binding agreement, cannot be modified by conduct, and no failure on the part of Pershing or your financial organization at any time to enforce its rights under the Margin Agreement to the greatest extent permitted shall in any way be deemed to waive, modify, or relax any of the rights granted Pershing or your financial organization, including those rights vested in Pershing or your financial organization to deal with collateral on all loans advanced to you. Also, the Margin Agreement constitutes the full and entire understanding between the parties with respect to the provision of the Margin Agreement, and there are no oral or other agreements in conflict with the Margin Agreement unless you have advised Pershing or your financial organization in writing of such conflict. Any future modification, amendment, or supplement of the Margin Agreement or any individual provision of the Margin Agreement can only be in writing signed by a representative of Pershing. You should carefully review your Margin Agreement for the rights and limitations governing your margin account relationship.XX 00000

Shareholder Vote of Loaned Securities. In the event the undersigned’s securities have been loaned by Xxxxxxxx on the record Pershing ox xxx xxcord date of a shareholder vote involving those securities, the undersigned agrees that the undersigned’s vote may be reduced to reflect the total amount of the undersigned’s securities loaned by XxxxxxxxPershing. Margin Xxxxxx Agreement Acknowledgement Form BYSIGNINGTHISACKNOWLEDGEMENTFORM,THEUNDERSIGNED BY SIGNING THIS ACKNOWLEDGEMENT FORM, THE UNDERSIGNED ACCEPTS THE TERMS OF THE ENCLOSED AGREEMENT, AND ACKNOWLEDGES THAT THE UNDERSINGED HAS READ AND UNDERSTOOD THE MARGIN DISCLOSURE STATEMENT WHICH DETAILS THE RISKS ASSOCIATED WITH A MARGIN ACCOUNT, AND THE UNDERSIGNED HAS READ AND UNDERSTOOD THE CREDIT TERMS EXPLAINED IN THE DISCLOSURE STATEMENT. PLEASE BE SURE THAT ALL ACCOUNT OWNERS SIGN THIS ACKNOWLEDGEMENT FORM. SPECIAL NOTE FOR NON-U.S. ACCOUNTS: With respect to assets custodied by Xxxxxxxx on the undersignedPershing ox xxx xxdersigned’s behalf, the undersigned acknowledges that income and capital gains or distributions to the undersigned from this account may be taxable in the undersigned’s home jurisdiction. Furthermore, interest paid to Pershing under this agreement may be subject to withholding tax in the undersigned’s home jurisdiction. It is the underssigned’s obligation to pay such withholding tax, if applicable. The undersigned acknowledges to its financial organization and to Pershing that the undersigned has taken its own tax advice in this regard. ACCOUNT OWNER(S) SIGNATURE(S) PLEASE BE SURE THAT ALL ACCOUNT OWNERS SIGN THIS ACKNOWLEDGEMENT FORM. THE UNDERSIGNED ACKNOWLEDGES THAT BY SIGNING THIS AGREEMENT THAT SECURITIES NOT FULLY PAID FOR BY THE UNDERSIGNED MAY BE LOANED TO PERSHING OR LOANED OUT TO OTHERS. THE MARGIN AGREEMENT CONTAINS A PREDISPUTE ARBITRATION CLAUSE IN PARAGRAPHS 20 AND 21 ON PAGE 3 IN THIS AGREEMENT. THE UNDERSIGNED ACKNOWLEDGES RECEIVING A COPY. Margin Disclosure Statement The Margin Disclosure Statement is intended 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 securities in a margin account, it is important to carefully review the written Margin Agreement provided by your financial organization or its clearing firm, Pershing LLC (“Pershing”), and to consult with your financial organization regarding any questions or concerns you may have regarding margin accounts. When you purchase securities, you have the option of paying for them in full or borrowing part of the purchase price from Pershing. If you choose to borrow funds from Pershing, you will need to open a margin account with Pershing through your financial organization. The securities purchased are used as collateral for the loan that was made to you or any other indebtedness arising after the initial transaction. If the securities in your brokerage account decline in value, so does the value of the collateral supporting your loan. As a result, your financial organization or Pershing can take action. For instance, your financial organization or Pershing can issue a margin call and/or sell securities or liquidate other assets in any of your brokerage accounts held with your financial organization or Pershing in order to maintain the required equity in the margin account. It is important that you fully understand the risks involved in trading securities on margin. These risks include the following: Client Copy You can lose more funds or securities than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to Pershing to avoid the forced sale of those securities or other securities or assets in your account(s). Your financial organization or Pershing can force the sale of securities or other assets in your account(s). If the equity in your account falls below Pershing’s maintenance margin requirements or your financial organization’s higher “house” requirements, your financial organization or Pershing can sell the securities or other assets in any of your accounts to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. Your financial organization or Pershing can sell your securities or other assets without contacting you. Some investors mistakenly believe that a financial organization must contact them for a margin call to be valid, and that the financial organization cannot liquidate securities or other assets in their account(s) to meet the call unless the financial organization has contacted them first. This is not the case. Most financial organizations will attempt to notify their clients of margin calls, but they are not required to do so. However, even Account Number Authorized Signer Print Name Date Signature X Authorized Signer Print Name Date Signature X Authorized Signer Print Name Date Signature X Authorized Signer Print Name Date Signature X Authorized Signer Print Name Date Signature X Please Complete if a financial organization has contacted a client and provided a specific date by which the client can meet a margin callCorporation, the financial organization can still take necessary steps to protect its financial interests, including immediately selling the securities without notice to the client. Your financial organization or Pershing may change margin requirements or margin call time periods without notice to you. With regard to house, maintenance, and other margin calls, in lieu of immediate liquidations, Pershing, through your financial organization, may permit you a period of time to satisfy a call. This time period shall not in any way waive or diminish Pershing’s right in its sole discretion, to shorten the time period in which you may satisfy a call, including one already outstandingPartnership, or to demand that a call be satisfied immediately. Nor does such practice waive or diminish the right Other Entity Name of Pershing or your financial organization to sell out positions to satisfy the call, which can be as high as the full indebtedness owed by you. Margin requirements may be established and changed by Pershing or your financial organization in its sole discretion and judgement. You are not entitled to choose which securities or other assets in your brokerage account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, your financial organization or Xxxxxxxx has the right to decide which securities to sell in order to protect its interests. Your financial organization or Pershing can increase its “house” maintenance margin requirements at any time and is not required to provide you with advance written notice. These changes in firm policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause your financial organization or Pershing to liquidate or sell securities in your brokerage account(s). You are not entitled to an extension of time on a margin call. While an extension of time to meet margin requirements may be available to investors under certain conditions, an investor does not have a right to the extension. Your written Margin Agreement with Pershing or your financial organization provides for certain important obligations by you. The Margin Agreement is a legally binding agreement, cannot be modified by conduct, and no failure on the part of Pershing or your financial organization at any time to enforce its rights under the Margin Agreement to the greatest extent permitted shall in any way be deemed to waive, modify, or relax any of the rights granted Pershing or your financial organization, including those rights vested in Pershing or your financial organization to deal with collateral on all loans advanced to you. Also, the Margin Agreement constitutes the full and entire understanding between the parties with respect to the provision of the Margin Agreement, and there are no oral or other agreements in conflict with the Margin Agreement unless you have advised Pershing or your financial organization in writing of such conflict. Any future modification, amendment, or supplement of the Margin Agreement or any individual provision of the Margin Agreement can only be in writing signed by a representative of Pershing. You should carefully review your Margin Agreement for the rights and limitations governing your margin account relationship.Entity Date Title Seal

Shareholder Vote of Loaned Securities. In the event the undersigned’s securities have been loaned by Xxxxxxxx on the record date of a shareholder vote involving those securities, the undersigned agrees that the undersigned’s vote may be reduced to reflect the total amount of the undersigned’s securities loaned by Xxxxxxxx. Margin Agreement Acknowledgement Form BYSIGNINGTHISACKNOWLEDGEMENTFORM,THEUNDERSIGNED BY SIGNING THIS ACKNOWLEDGEMENT FORM, THE UNDERSIGNED ACCEPTS THE TERMS OF THE ENCLOSED AGREEMENT, AND ACKNOWLEDGES THAT THE UNDERSINGED HAS READ AND UNDERSTOOD THE MARGIN DISCLOSURE STATEMENT WHICH DETAILS THE RISKS ASSOCIATED WITH A MARGIN ACCOUNT, AND THE UNDERSIGNED HAS READ AND UNDERSTOOD THE CREDIT TERMS EXPLAINED IN THE DISCLOSURE STATEMENT. PLEASE BE SURE THAT ALL ACCOUNT OWNERS SIGN THIS ACKNOWLEDGEMENT FORM. SPECIAL NOTE FOR NON-U.S. ACCOUNTS: With respect to assets custodied by Xxxxxxxx on the undersigned’s behalf, the undersigned acknowledges that income and capital gains or distributions to the undersigned from this account may be taxable in the undersigned’s home jurisdiction. Furthermore, interest paid to Pershing under this agreement may be subject to withholding tax in the undersigned’s home jurisdiction. It is the underssigned’s obligation to pay such withholding tax, if applicable. The undersigned acknowledges to its financial organization and to Pershing that the undersigned has taken its own tax advice in this regard. Margin Disclosure Statement The Margin Disclosure Statement is intended 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 securities in a margin account, it is important to carefully review the written Margin Agreement provided by your financial organization or its clearing firm, Pershing LLC (“Pershing”), and to consult with your financial organization regarding any questions or concerns you may have regarding margin accounts. When you purchase securities, you have the option of paying for them in full or borrowing part of the purchase price from Pershing. If you choose to borrow funds from Pershing, you will need to open a margin account with Pershing through your financial organization. The securities purchased are used as collateral for the loan that was made to you or any other indebtedness arising after the initial transaction. If the securities in your brokerage account decline in value, so does the value of the collateral supporting your loan. As a result, your financial organization or Pershing can take action. For instance, your financial organization or Pershing can issue a margin call and/or sell securities or liquidate other assets in any of your brokerage accounts held with your financial organization or Pershing in order to maintain the required equity in the margin account. It is important that you fully understand the risks involved in trading securities on margin. These risks include the following: Client Copy You can lose more funds or securities than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to Pershing to avoid the forced sale of those securities or other securities or assets in your account(s). Your financial organization or Pershing can force the sale of securities or other assets in your account(s). If the equity in your account falls below Pershing’s maintenance margin requirements or your financial organization’s higher “house” requirements, your financial organization or Pershing can sell the securities or other assets in any of your accounts to cover the margin deficiency. You also will be responsible for any shortfall in the account after such a sale. Your financial organization or Pershing can sell your securities or other assets without contacting you. Some investors mistakenly believe that a financial organization must contact them for a margin call to be valid, and that the financial organization cannot liquidate securities or other assets in their account(s) to meet the call unless the financial organization has contacted them first. This is not the case. Most financial organizations will attempt to notify their clients of margin calls, but they are not required to do so. However, even if a financial organization has contacted a client and provided a specific date by which the client can meet a margin call, the financial organization can still take necessary steps to protect its financial interests, including immediately selling the securities without notice to the client. Your financial organization or Pershing may change margin requirements or margin call time periods without notice to you. With regard to house, maintenance, and other margin calls, in lieu of immediate liquidations, Pershing, through your financial organization, may permit you a period of time to satisfy a call. This time period shall not in any way waive or diminish Pershing’s right in its sole discretion, to shorten the time period in which you may satisfy a call, including one already outstanding, or to demand that a call be satisfied immediately. Nor does such practice waive or diminish the right of Pershing or your financial organization to sell out positions to satisfy the call, which can be as high as the full indebtedness owed by you. Margin requirements may be established and changed by Pershing or your financial organization in its sole discretion and judgement. You are not entitled to choose which securities or other assets in your brokerage account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, your financial organization or Xxxxxxxx has the right to decide which securities to sell in order to protect its interests. Your financial organization or Pershing can increase its “house” maintenance margin requirements at any time and is not required to provide you with advance written notice. These changes in firm policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause your financial organization or Pershing to liquidate or sell securities in your brokerage account(s). You are not entitled to an extension of time on a margin call. While an extension of time to meet margin requirements may be available to investors under certain conditions, an investor does not have a right to the extension. Your written Margin Agreement with Pershing or your financial organization provides for certain important obligations by you. The Margin Agreement is a legally binding agreement, cannot be modified by conduct, and no failure on the part of Pershing or your financial organization at any time to enforce its rights under the Margin Agreement to the greatest extent permitted shall in any way be deemed to waive, modify, or relax any of the rights granted Pershing or your financial organization, including those rights vested in Pershing or your financial organization to deal with collateral on all loans advanced to you. Also, the Margin Agreement constitutes the full and entire understanding between the parties with respect to the provision of the Margin Agreement, and there are no oral or other agreements in conflict with the Margin Agreement unless you have advised Pershing or your financial organization in writing of such conflict. Any future modification, amendment, or supplement of the Margin Agreement or any individual provision of the Margin Agreement can only be in writing signed by a representative of Pershing. You should carefully review your Margin Agreement for the rights and limitations governing your margin account relationship.