BROKERAGE PORTFOLIO®BROKERAGE ACCESSSM FORM by qqk70005

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									                                                                                                                                        ACCOUNT NUMBER




 INSTRUCTIONS

BROKERAGE PORTFOLIO®/BROKERAGE ACCESSSM FORM
Unless you already have a brokerage account, you need to include a completed Brokerage Account Application with this form.

Use this form to:
• upgrade or downgrade a new or existing account to Brokerage Portfolio or Brokerage Access
• upgrade an existing account from Brokerage Access to Brokerage Portfolio or downgrade from Brokerage Portfolio to Brokerage Access
• add or remove checkwriting or debit card features within your existing Brokerage Portfolio or Brokerage Access account



1. ACCOUNT HOLDER 1                                              If downgrading to a brokerage account: Both               5. MARGIN PRIVILEGES
                                                                 checkwriting and any Visa debit cards on your
   Provide all information requested. The primary                                                                            Check the box in this section only if you do NOT
                                                                 account will be cancelled automatically as soon as
   account holder may be a sole owner, joint owner,                                                                          want margin. Otherwise, you will automatically
                                                                 your Broker/Dealer accepts this form. Any check
   trustee, or custodian, but not a minor.                                                                                   be considered for margin privileges.
                                                                 received more than 30 days after service cancellation
2. ACCOUNT HOLDER 2                                              will generally be returned unpaid. You are responsible      To remove margin privileges from an account, send
                                                                 for destroying all debit cards and remaining checks. If     written notice to NFS or your broker/dealer saying
   Fill out only if the account has two or more owners.          the account has margin privileges, they will remain.        that you want margin removed. You cannot remove
   The second account holder may be a joint owner,               You do not need to complete Section 4.                      margin using this form. If you later decide you want
   trustee, or minor. If the account has three or more                                                                       margin back, you will need to file a new margin
   owners, see Section 7.                                        If downgrading from Brokerage Portfolio to                  application and await approval.
                                                                 Brokerage Access:You may need to select a new
3. UPGRADING OR DOWNGRADING                                      core account option; see Section 6. Your existing         6. CORE ACCOUNT OPTIONS
   YOUR ACCOUNT                                                  debit card will be deactivated. If you want to continue
                                                                 to have a debit card, indicate in Section 4 that you        This section lets you select or change the money
   UPGRADE                                                                                                                   market mutual fund, taxable interest-bearing credit
                                                                 want the Visa Classic Debit Card. Your new debit
   Check the appropriate box to upgrade a brokerage                                                                          account, or other option that you want for your core
                                                                 card should arrive in approximately 7 to 10 calendar
   account to Brokerage Access or Brokerage                                                                                  account. Ask your broker/dealer what options are
                                                                 days. Your checking account number will not change.
   Portfolio, or to upgrade a Brokerage Access                                                                               available to you. Prior to making any core account
   account to a Brokerage Portfolio account.                  4. ADDING / REMOVING CHECKWRITING                              selection in a money market mutual fund, all owners
   Indicate your checking and debit card choices in              OR DEBIT CARDS                                              must have received and read the prospectus for
   Section 4. Checks and/or debit cards should arrive                                                                        such fund.
                                                                 You do not need to use this section to indicate
   in approximately 7 to 10 calendar days.                       any changes that will happen automatically as             7. ADDITIONAL ACCOUNT HOLDERS
   If upgrading from Brokerage Access to                         described above.
                                                                                                                             Use this section to provide information on any
   Brokerage Portfolio: Indicate in Section 4 which              ADD                                                         owners not covered in Sections 1 and 2.
   Brokerage Portfolio debit card option you want. Your          If adding checkwriting or debit cards to a new
   existing debit card will be deactivated.Your checking         or existing account: Complete this section.               8. SIGNATURES
   account number will not change.                               Brokerage Access offers one debit card option,
                                                                                                                             All owners must sign. Be sure to read carefully
   DOWNGRADE                                                     Brokerage Portfolio offers two.
                                                                                                                             the Brokerage Portfolio/Brokerage Access
   Check the appropriate box. If you currently have any          If changing to a different type of debit card:              Account Agreement.
   Visa Platinum Extras reward points, you may want to           Indicate the type you want. Your existing debit card
   spend them before removing or downgrading, as                 will be deactivated. A new card will be ordered for
   these points will automatically expire when you               you and should arrive in 7 to 10 calendar days.
   cancel your Platinum card, request a Gold card, or
   downgrade your Brokerage Portfolio account.                   REMOVE
                                                                 Use if you want to remove checkwriting or debit
                                                                 card privileges from the account.


Features of Brokerage Portfolio                                                                Features of Brokerage Access

For a recommended minimum initial investment of $15,000, Brokerage Portfolio                   For a recommended minimum initial investment of $5,000, Brokerage Access offers:
offers the following:
                                                                                               • Limited checkwriting
• Unlimited checkwriting
                                                                                               • Optional Visa Classic Debit Card from PFPC, with access to over 600,000 Visa
• Visa Gold Debit Card from PFPC, with access to over 600,000 Visa ATMs in the                   ATMs in the United States and 133 countries around the world (additional fee
  United States and 133 countries around the world                                               applies)
• Optional Visa Platinum Debit Card from PFPC with Rewards and Platinum Cash                   • Margin borrowing privileges, subject to approval and minimum equity and
  Back, including all the benefits of the Visa Gold Debit Card (additional fee applies)           maintenance requirements, as described in the Customer Agreement; note that
                                                                                                 you will automatically be considered for margin UNLESS you indicate otherwise
• Margin borrowing privileges, subject to approval and minimum equity and
                                                                                                 in Section 5
  maintenance requirements, as described in the Customer Agreement; note that
  you will automatically be considered for margin UNLESS you indicate otherwise
  in Section 5
• Five no-fee ATM cash withdrawals each month (additional ATM surcharges
  may apply)
Other features may be available as well — ask your investment representative.




Checkwriting and debit cards are provided by PFPC Trust Company (“PFPC”), a subsidiary of The PNC Financial Services Group, Inc (“PNC”).



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BROKERAGE PORTFOLIO®/BROKERAGE ACCESSSM FORM
Important Information To help the government fight the funding of terrorism and money-laundering activities, Federal law and contractual obligations to National Financial
Services LLC (“NFS”) require that your Broker/Dealer verify your identity by obtaining your name, date of birth, address, and a government-issued identification number before
opening your account. In certain circumstances, your Broker/Dealer may obtain and verify this information with respect to any person(s) authorized to effect transactions in an
account. For certain entities, such as trusts, estates, corporations, partnerships, or other organizations, identifying documentation is also required. Your account may be
restricted and/or closed if your Broker/Dealer cannot verify this information. Neither your Broker/Dealer nor NFS will be responsible for any losses or damages (including but
not limited to lost opportunities) resulting from any failure to provide this information, or from any restriction placed upon, or closing of, your account.
The attached Instructions and Customer Agreement (the “Agreement”) describe the terms and conditions that govern the Brokerage Portfolio and Brokerage Access
accounts (“Account”).


  All items marked with this symbol are required. Applications that are missing required information will not be processed.


1. ACCOUNT HOLDER 1

Personal Information        Please note: Account Holder information must exactly match the information from your existing account or your brokerage application.



  FULL LEGAL NAME first, middle, last                            DATE OF BIRTH mm/dd/yyyy                COUNTRY OF CITIZENSHIP


DAY PHONE                                                                 EVENING PHONE                      SOCIAL SECURITY NO.            TAXPAYER ID NO.        COUNTRY OF TAX RESIDENCE


E-MAIL                                                                                                  TYPE OF GOVERNMENT-ISSUED ID                                                ID NUMBER


    Single/Divorced/Widowed               Married        No. of Dependents: ____________                STATE/COUNTRY OF ID ISSUANCE              ID ISSUANCE DATE         ID EXPIRATION DATE


  Legal Address No P.O. boxes                                                                           Mailing Address             Same as Legal Address


ADDRESS LINE 1                                                                                        ADDRESS LINE 1


ADDRESS LINE 2                                                                                        ADDRESS LINE 2


CITY                             STATE/PROVINCE                          ZIP/POSTAL CODE              CITY                      STATE/PROVINCE                               ZIP/POSTAL CODE


COUNTRY                                                                                               COUNTRY



Employer Information and Affiliations               Attach additional sheet if needed.


  Employment Status                 Employed                Retired          Not Employed                    I am           I am not    a control person or affiliate of a public company
                                                                                                             under SEC Rule 144 (such as a director, 10% shareholder, or policy-making
OCCUPATION                                      INCOME SOURCE If retired or not employed                     officer), or an immediate family or household member of such a person.
                                                                                                             If yes, provide name of company:

EMPLOYER NAME

                                                                                                             COMPANY NAME                                             COMPANY SYMBOL/CUSIP
ADDRESS LINE 1

                                                                                                             I am          I am not    affiliated with, or employed by, a stock exchange
ADDRESS LINE 2                                                                                               or member firm of either an exchange, the Financial Industry Regulatory
                                                                                                             Authority (FINRA), or a municipal securities Broker/Dealer. If yes, provide name
                                                                                                             of entity:                                                    Same as My Employer.
CITY                    STATE                      ZIP                            COUNTRY


       I am          I am not      a senior foreign political figure, or a family member                      AFFILIATED ENTITY NAME
       or close relative of a senior foreign political figure.
                                                                                                             ADDRESS LINE 1


                                                                                                             ADDRESS LINE 2


                                                                                                             CITY                                 STATE              ZIP             COUNTRY




                   1.807444.104                                                                                                                     008100101
                                                                                                2
ACCOUNT HOLDER continued

                                                                                                                                                    ACCOUNT NUMBER

2. ACCOUNT HOLDER 2

Personal Information        Please note: Account Holder information must match the existing account information.




  FULL LEGAL NAME first, middle, last                             DATE OF BIRTH mm/dd/yyyy               COUNTRY OF CITIZENSHIP


DAY PHONE                                                                   EVENING PHONE                    SOCIAL SECURITY NO.            TAXPAYER ID NO.      COUNTRY OF TAX RESIDENCE


E-MAIL                                                                                                  TYPE OF GOVERNMENT-ISSUED ID                                               ID NUMBER


    Single/Divorced/Widowed                Married        No. of Dependents: ____________               STATE/COUNTRY OF ID ISSUANCE            ID ISSUANCE DATE          ID EXPIRATION DATE


  Legal Address No P.O. boxes                                                                          Mailing Address              Same as Legal Address


ADDRESS LINE 1                                                                                        ADDRESS LINE 1


ADDRESS LINE 2                                                                                        ADDRESS LINE 2


CITY                     STATE/PROVINCE                                    ZIP/POSTAL CODE            CITY                      STATE/PROVINCE                              ZIP/POSTAL CODE


COUNTRY                                                                                               COUNTRY



Employer Information and Affiliations                Attach additional sheet if needed.


  Employment Status                 Employed                 Retired          Not Employed                   I am           I am not    a control person or affiliate of a public company
                                                                                                             under SEC Rule 144 (such as a director, 10% shareholder, or policy-making
OCCUPATION                                       INCOME SOURCE If retired or not employed                    officer), or an immediate family or household member of such a person.
                                                                                                             If yes, provide name of company:

EMPLOYER NAME

                                                                                                             COMPANY NAME                                            COMPANY SYMBOL/CUSIP
ADDRESS LINE 1
                                                                                                             I am          I am not    affiliated with, or employed by, a stock exchange
ADDRESS LINE 2                                                                                               or member firm of either an exchange, the Financial Industry Regulatory
                                                                                                             Authority (FINRA), or a municipal securities Broker/Dealer. If yes, provide name
                                                                                                             of entity:                                                   Same as My Employer.
CITY                    STATE                       ZIP                              COUNTRY

                                                                                                             AFFILIATED ENTITY NAME
       I am          I am not      a senior foreign political figure, or a family member
       or close relative of a senior foreign political figure.
                                                                                                             ADDRESS LINE 1
List additional account holders in Section 7.
                                                                                                             ADDRESS LINE 2


                                                                                                             CITY                               STATE               ZIP             COUNTRY

3. UPGRADING OR DOWNGRADING YOUR ACCOUNT


UPGRADE                                                                                              DOWNGRADE

    From brokerage                 From Brokerage                    From Brokerage                       From Brokerage Access or Brokerage                  From Brokerage Portfolio
    account to                     account to                        Access to                            Portfolio to a brokerage account                    to Brokerage Access
    Brokerage Access               Brokerage Portfolio               Brokerage Portfolio


4. ADDING / REMOVING CHECKWRITING OR DEBIT CARDS                               Brokerage Access and Brokerage Portfolio Accounts Only

If requesting debit cards or checkwriting, ALL owners must also sign the signature card that comes with this form. On debit cards and checks, name(s) and address will
appear as registered on the account. For margin information and choices, see Section 5.

ADD                                                                                                                             REMOVE
Checkwriting                           Debit Card Indicate Type and Recipients Below                                                 Checkwriting           Debit Card
    Print Checks with                  Card Type                                         Issue Card(s) to:
    Name(s) Only
                                           Brokerage Access Visa Classic                       Only Account Holder 1
    Print Checks with Name(s)
    and Mailing Address                    Brokerage Portfolio Visa Gold                       Each Account Holder

                                           Brokerage Portfolio Visa Platinum with
                                           Rewards For U.S. residents only. Rewards
                                           points expire when card is deactivated.



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5. MARGIN PRIVILEGES

You will automatically be considered for margin privileges UNLESS you check                      I DO NOT WANT to be considered for margin privileges.
the box at right.


6. CORE ACCOUNT FUND
Consult your Broker/Dealer for a list of available funds. If you do not choose a
fund for your Core Account, your Broker/Dealer may invest your credit balances
in a taxable interest-bearing credit account or its default fund choice while
awaiting reinvestment.                                                                         FUND NAME                                                                    FUND SYMBOL



7. ADDITIONAL ACCOUNT HOLDERS

Account Holder 3


  FULL LEGAL NAME first, middle, last                          DATE OF BIRTH mm/dd/yyyy          COUNTRY OF CITIZENSHIP


DAY PHONE                                                                EVENING PHONE                SOCIAL SECURITY NO.           TAXPAYER ID NO.        COUNTRY OF TAX RESIDENCE


E-MAIL                                                                                          TYPE OF GOVERNMENT-ISSUED ID                                                  ID NUMBER


    Single/Divorced/Widowed               Married       No. of Dependents: ____________         STATE/COUNTRY OF ID ISSUANCE               ID ISSUANCE DATE         ID EXPIRATION DATE


  Legal Address No P.O. boxes              Same as Primary Holder’s Legal Address               Mailing Address              Same as Legal Address of This Account Holder


ADDRESS LINE 1                                                                                 ADDRESS LINE 1


ADDRESS LINE 2                                                                                 ADDRESS LINE 2


CITY                     STATE/PROVINCE                                 ZIP/POSTAL CODE        CITY                      STATE/PROVINCE                                ZIP/POSTAL CODE


COUNTRY                                                                                        COUNTRY



Employer Information and Affiliations              Attach additional sheet if needed.


  Employment Status                 Employed              Retired           Not Employed              I am           I am not    a control person or affiliate of a public company
                                                                                                      under SEC Rule 144 (such as a director, 10% shareholder, or policy-making
OCCUPATION                                     INCOME SOURCE If retired or not employed               officer), or an immediate family or household member of such a person.
                                                                                                      If yes, provide name of company:

EMPLOYER NAME
                                                                                                      COMPANY NAME                                             COMPANY SYMBOL/CUSIP

ADDRESS LINE 1
                                                                                                      I am          I am not    affiliated with, or employed by, a stock exchange
                                                                                                      or member firm of either an exchange, the Financial Industry Regulatory
ADDRESS LINE 2                                                                                        Authority (FINRA), or a municipal securities Broker/Dealer. If yes, provide name
                                                                                                      of entity:                                                    Same as My Employer.
CITY                    STATE                     ZIP                            COUNTRY
                                                                                                      AFFILIATED ENTITY NAME
       I am          I am not      a senior foreign political figure, or a family member
       or close relative of a senior foreign political figure.                                         ADDRESS LINE 1


                                                                                                      ADDRESS LINE 2


                                                                                                      CITY                               STATE                ZIP              COUNTRY




                                                                                           4
                                                                                                                                            ACCOUNT NUMBER

7. ADDITIONAL ACCOUNT HOLDERS                  (continued)



Account Holder 4


  FULL LEGAL NAME first, middle, last                          DATE OF BIRTH mm/dd/yyyy          COUNTRY OF CITIZENSHIP


DAY PHONE                                                                EVENING PHONE                SOCIAL SECURITY NO.           TAXPAYER ID NO.        COUNTRY OF TAX RESIDENCE


E-MAIL                                                                                          TYPE OF GOVERNMENT-ISSUED ID                                                 ID NUMBER


   Single/Divorced/Widowed                Married       No. of Dependents: ____________         STATE/COUNTRY OF ID ISSUANCE               ID ISSUANCE DATE         ID EXPIRATION DATE


 Legal Address No P.O. boxes               Same as Primary Holder’s Legal Address               Mailing Address              Same as Legal Address of This Account Holder


ADDRESS LINE 1                                                                                 ADDRESS LINE 1


ADDRESS LINE 2                                                                                 ADDRESS LINE 2


CITY                     STATE/PROVINCE                                 ZIP/POSTAL CODE        CITY                      STATE/PROVINCE                                ZIP/POSTAL CODE


COUNTRY                                                                                        COUNTRY


Employer Information and Affiliations              Attach additional sheet if needed.




 Employment Status                  Employed              Retired           Not Employed              I am           I am not    a control person or affiliate of a public company
                                                                                                      under SEC Rule 144 (such as a director, 10% shareholder, or policy-making
OCCUPATION                                     INCOME SOURCE If retired or not employed               officer), or an immediate family or household member of such a person.
                                                                                                      If yes, provide name of company:

EMPLOYER
                                                                                                      COMPANY NAME                                             COMPANY SYMBOL/CUSIP

ADDRESS LINE 1
                                                                                                      I am          I am not    affiliated with, or employed by, a stock exchange
                                                                                                      or member firm of either an exchange, the Financial Industry Regulatory
ADDRESS LINE 2                                                                                        Authority (FINRA), or a municipal securities Broker/Dealer. If yes, provide name
                                                                                                      of entity:                                                    Same as My Employer.
CITY                    STATE                     ZIP                            COUNTRY
                                                                                                      AFFILIATED ENTITY NAME
       I am          I am not      a senior foreign political figure, or a family member
       or close relative of a senior foreign political figure.                                         ADDRESS LINE 1


                                                                                                      ADDRESS LINE 2


                                                                                                      CITY                               STATE                ZIP             COUNTRY


Account Holder 5


  FULL LEGAL NAME first, middle, last                          DATE OF BIRTH mm/dd/yyyy          COUNTRY OF CITIZENSHIP


DAY PHONE                                                                EVENING PHONE                SOCIAL SECURITY NO.           TAXPAYER ID NO.        COUNTRY OF TAX RESIDENCE


E-MAIL                                                                                          TYPE OF GOVERNMENT-ISSUED ID                                                 ID NUMBER


   Single/Divorced/Widowed                Married       No. of Dependents: ____________         STATE/COUNTRY OF ID ISSUANCE               ID ISSUANCE DATE         ID EXPIRATION DATE


 Legal Address No P.O. boxes                Same as Primary Holder’s Legal Address              Mailing Address              Same as Legal Address of This Account Holder


ADDRESS LINE 1                                                                                 ADDRESS LINE 1


ADDRESS LINE 2                                                                                 ADDRESS LINE 2


CITY                     STATE/PROVINCE                                 ZIP/POSTAL CODE        CITY                      STATE/PROVINCE                                ZIP/POSTAL CODE


COUNTRY                                                                                        COUNTRY




                                                                                           5
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7. ADDITIONAL ACCOUNT HOLDERS                  (continued)


Employer Information and Affiliations              Attach additional sheet if needed.


 Employment Status                  Employed              Retired           Not Employed              I am           I am not    a control person or affiliate of a public company
                                                                                                      under SEC Rule 144 (such as a director, 10% shareholder, or policy-making
OCCUPATION                                     INCOME SOURCE If retired or not employed               officer), or an immediate family or household member of such a person.
                                                                                                      If yes, provide name of company:

EMPLOYER NAME
                                                                                                      COMPANY NAME                                             COMPANY SYMBOL/CUSIP

ADDRESS LINE 1
                                                                                                      I am          I am not    affiliated with, or employed by, a stock exchange
                                                                                                      or member firm of either an exchange, the Financial Industry Regulatory
ADDRESS LINE 2                                                                                        Authority (FINRA), or a municipal securities Broker/Dealer. If yes, provide name
                                                                                                      of entity:                                                    Same as My Employer.
CITY                    STATE                     ZIP                            COUNTRY
                                                                                                      AFFILIATED ENTITY NAME
       I am          I am not      a senior foreign political figure, or a family member
       or close relative of a senior foreign political figure.                                         ADDRESS LINE 1


                                                                                                      ADDRESS LINE 2


                                                                                                      CITY                               STATE                ZIP             COUNTRY


Account Holder 6


  FULL LEGAL NAME first, middle, last                          DATE OF BIRTH mm/dd/yyyy          COUNTRY OF CITIZENSHIP


DAY PHONE                                                                EVENING PHONE                SOCIAL SECURITY NO.           TAXPAYER ID NO.        COUNTRY OF TAX RESIDENCE


E-MAIL                                                                                          TYPE OF GOVERNMENT-ISSUED ID                                                 ID NUMBER


   Single/Divorced/Widowed                Married       No. of Dependents: ____________         STATE/COUNTRY OF ID ISSUANCE               ID ISSUANCE DATE         ID EXPIRATION DATE


 Legal Address No P.O. boxes              Same as Primary Holder’s Legal Address                Mailing Address              Same as Legal Address of This Account Holder


ADDRESS LINE 1                                                                                 ADDRESS LINE 1


ADDRESS LINE 2                                                                                 ADDRESS LINE 2


CITY                     STATE/PROVINCE                                 ZIP/POSTAL CODE        CITY                      STATE/PROVINCE                                ZIP/POSTAL CODE


COUNTRY                                                                                        COUNTRY



Employer Information and Affiliations              Attach additional sheet if needed.


 Employment Status                  Employed              Retired           Not Employed              I am           I am not    a control person or affiliate of a public company
                                                                                                      under SEC Rule 144 (such as a director, 10% shareholder, or policy-making
OCCUPATION                                     INCOME SOURCE If retired or not employed               officer), or an immediate family or household member of such a person.
                                                                                                      If yes, provide name of company:

EMPLOYER NAME
                                                                                                      COMPANY NAME                                             COMPANY SYMBOL/CUSIP

ADDRESS LINE 1
                                                                                                      I am          I am not    affiliated with, or employed by, a stock exchange
                                                                                                      or member firm of either an exchange, the Financial Industry Regulatory
ADDRESS LINE 2                                                                                        Authority (FINRA), or a municipal securities Broker/Dealer. If yes, provide name
                                                                                                      of entity:                                                    Same as My Employer.
CITY                    STATE                     ZIP                            COUNTRY
                                                                                                      AFFILIATED ENTITY NAME
       I am          I am not      a senior foreign political figure, or a family member
       or close relative of a senior foreign political figure.                                         ADDRESS LINE 1


                                                                                                      ADDRESS LINE 2


                                                                                                      CITY                               STATE                ZIP             COUNTRY




                                                                                           6
                                                                                                                                    ACCOUNT NUMBER

8. CUSTOMER AGREEMENT AND SIGNATURE

To: My Broker/Dealer and National Financial Services LLC (“NFS,” together                   I hereby select the core funding option listed in Section 6 as my core account for
with my Broker/Dealer, “You”)                                                               automatic trade settlement and hereby acknowledge that I have received and read
                                                                                            the prospectus for this fund. I UNDERSTAND THAT IF I ELECT TO CHANGE MY
I ACKNOWLEDGE THAT I HAVE READ, UNDERSTOOD, AND AGREE TO THE
                                                                                            CORE Funding Option, MY EXISTING CORE FUND SHARES WILL BE
TERMS SET FORTH IN THE BROKERAGE PORTFOLIO/ BROKERAGE ACCESS
                                                                                            LIQUIDATED AND SHARES OF THE NEWLY SELECTED CORE FUND WILL BE
CUSTOMER AGREEMENT AND REQUEST THAT YOU ACCEPT ONE OR
                                                                                            PURCHASED.
MORE ACCOUNTS IN MY NAME. I am at least 18 years of age and of full legal
age in the state in which I reside, and I am authorized to enter into this agreement.       The following clause referring to lending of securities applies only to those
I understand that, upon issuer’s request in accordance with applicable rules and            accounts eligible and approved for margin:
regulations, you will supply my name to issuers of any securities held in my
                                                                                            YOU ARE HEREBY AUTHORIZED TO LEND, HYPOTHECATE OR
account so I might receive any important information regarding them, unless I
                                                                                            REHYPOTHECATE SEPARATELY, OR WITH THE PROPERTY OF OTHERS,
notify you in writing not to do so (you may not be able to object to this disclosure
                                                                                            EITHER TO YOURSELVES OR TO OTHERS, ANY PROPERTY YOU MAY BE
for certain securities issued by investment companies that are registered under
                                                                                            CARRYING FOR ME ON MARGIN. THIS AUTHORIZATION SHALL APPLY TO
the Investment Company Act of 1940 or as required by applicable law). I
                                                                                            ALL MY BROKERAGE ACCOUNTS YOU CARRY AND SHALL REMAIN IN
understand that telephone calls to you may be recorded, and I consent to such
                                                                                            FULL FORCE UNTIL YOU RECEIVE FROM MY BROKER/DEALER WRITTEN
recording.
                                                                                            NOTICE OF MY REVOCATION AT YOUR PRINCIPAL OFFICES.
I have indicated on the signature card the account holder(s) to whom checks
and/or debit cards should be issued (names will appear as they appear on the
account registration). Checks and/or debit cards will be mailed to the account
holder’s legal address.




 If I am a U.S. citizen, U.S. resident alien or other U.S. person, I certify under penalties of perjury that: (1) the Social Security Number or
 Taxpayer Identification Number that I provided on this application is correct (or I am waiting for a number to be issued to me); and (2) I
 am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal
 Revenue Service (IRS) that I am subject to backup withholding for failure to report all interest or dividends, or (c) the IRS has notified me
 that I am no longer subject to backup withholding; and (3) I am a U.S. citizen or other U.S. person, including a U.S. resident alien.
     If you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest
     and dividends on your tax return, check this box to indicate that you do not certify item 2 above.
 If I am not a U.S. citizen, U.S. resident alien or other U.S. person, I am submitting the applicable Form W-8 with this form to certify my
 foreign status and, if applicable, claim tax treaty benefits.

 I represent that I have read the terms and conditions concerning this account and agree to be bound by                   The Internal Revenue Service does not
 such terms and conditions as currently in effect and as may be amended from time to time. I acknowledge                  require your consent to any provision
 receipt of the margin disclosure statement and the disclosure of credit terms on transactions. this                      of this document other than the
 account is governed by a pre-dispute arbitration clause, which is found on the last page of the customer
 agreement. I acknowledge receipt of the pre-dispute arbitration clause.
                                                                                                                          certifications required to avoid backup
                                                                                                                          withholding.


Signature and Date are required.
  SIGNATURES. All account holders (owners and authorized individuals) must sign and date in accordance with the signature requirements outlined in the
account’s supporting documents.



X   1. SIGNATURE                                                        DATE mm/dd/yyyy
                                                                                            X   4. SIGNATURE                                                    DATE mm/dd/yyyy


X  2. SIGNATURE                                                         DATE mm/dd/yyyy
                                                                                            X   5. SIGNATURE                                                    DATE mm/dd/yyyy



X                                                                                           X   6. SIGNATURE                                                    DATE mm/dd/yyyy
    3. SIGNATURE                                                        DATE mm/dd/yyyy




              For Branch Use Only



              REGISTERED REP. NO./NAME                                    SIGNATURE                                                             DATE mm/dd/yyyy




              OFFICE MANAGER/PRINCIPAL NAME                               SIGNATURE                                                             DATE mm/dd/yyyy



            National Financial Services LLC, Member NYSE, SIPC                                                                     1.807444.104 - 482141.1.0 (01/08)




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         CHECKWRITING AND DEBIT CARD SIGNATURE CARD
                                                                                                    Making Changes to Checkwriting or a Debit Card
         We must receive a completed signature card with ANY request to add or change
         checkwriting or a debit card. We need ALL applicable signatures, as described in           Use the appropriate instructions below to add or change the individuals who are
         these instructions. All owners also must sign the Brokerage Access/Brokerage               authorized to have checkwriting or use a debit card.
         Portfolio Form.                                                                            •     Individual and Joint Accounts: Do not use this card. Instead, complete a
                                                                                                          Brokerage Access or Brokerage Portfolio Checkwriting and/or Debit Card
         Establishing Checkwriting or a Debit Card
                                                                                                          Delegation Form (1.784202) to delegate checkwriting authority to a third party.
         Sign the card using the exact same form of your name as appears on the account
                                                                                                    •     Custodial Accounts: Only the Custodian can have checkwriting or debit card
         registration. Indicate how many signatures will be required to make a check valid,
                                                                                                          authority on these accounts. If there is a change in Custodian, complete a
         and what information you want printed on the check. Also use the appropriate
                                                                                                          Change of Registration form. Provide the signature of the new Custodian on
         instructions below:
                                                                                                          this card and submit both documents to your broker/dealer.
         •    Individual and Joint Accounts: Provide the signature of each owner who is to
                                                                                                    •     All Other Accounts, Including Trust And Corporate: All required supplemental
              have checkwriting privileges.
                                                                                                          documentation (such as a Trust Certification of Investment Powers or Corporate
         •    Custodial Accounts: Provide the signature of the Custodian only; no minor                   Resolution) must be updated and submitted to your Broker/Dealer along with
              or third party can have checkwriting or debit card authority on these accounts.             a new Signature Card. Each signer must be listed as an authorized individual
                                                                                                          on the account registration and also on any additional documentation.
         •    All Other Accounts, Including Trust And Corporate: Each signer must be
              listed as an authorized individual on the account registration and also on any        By signing below, you:
              additional documentation. Additional documentation, such as a Trust
              Certification of Investment Powers or Corporate Resolution, may be required.           •     Request that checkwriting be added to your account, appointing PFPC as the
                                                                                                          agent to provide checkwriting service.
         Providing an Updated Signature; No Change In Owner(s)
                                                                                                    •     Agree to the costs, conditions, and terms of usage of checkwriting, as
         If you are upgrading, downgrading, or requesting a different type of debit card,                 described in the applicable customer agreement(s) governing your account.
         follow the instructions above for Establishing Checkwriting or a Debit Card.
                                                                                                    •     Authorize the withdrawal of money from your account to pay all checks and/or
         If you are changing your name (such as because of marriage or divorce),                          debit card transactions, and all fees associated with these transactions (such
         complete a Change of Registration form. Sign this card with your new name and                    as ATM fees, check reorders, returned checks, stop payment requests).
         submit both documents to your broker/dealer.
                                                                                                    •     Agree to notify PFPC immediately if any checks are lost or stolen.
                                                                                                    •     Guarantee the authenticity of any other signature on the card.




----------------------------------------------------------------------------------------------------------------------------------------------------------
         SIGNATURE CARD
         Name(s) and Address on Account                                                             Purpose of Card
                                                                                                           Establish checkwriting/debit card(s) for the first time
         NAME
                                                                                                           Update authorized users/signatures on an existing account (NOT for individual
                                                                                                           or joint accounts — for these accounts, see instructions above)
         ADDRESS LINE 1
                                                                                                    Number of Signatures Required on Each Check
         ADDRESS LINE 2                                                                                    Checks will be valid with only one signature Default if no choice is indicated

                                                                                                           Checks will require both signatures
         CITY                    STATE                    ZIP                        COUNTRY


             Checkwriting/Debit card Signature(s)
         1. SIGNATURE                                                                                   4. SIGNATURE



         X                                                               DATE mm/dd/yyyy
                                                                                                        X                                                                 DATE mm/dd/yyyy
         2. SIGNATURE                                                                                   5. SIGNATURE



         X                                                              DATE mm/dd/yyyy
                                                                                                        X                                                                  DATE mm/dd/yyyy

         3. SIGNATURE                                                                                   6. SIGNATURE



         X                                                               DATE mm/dd/yyyy
                                                                                                        X                                                                  DATE mm/dd/yyyy




                         For Branch Use Only           BROKERAGE ACCOUNT NUMBER                                         CHECKING ACCOUNT NUMBER
                                                                                                                                                                                       Clear Form
                                                                                                8
BROKERAGE PORTFOLI O /BROKERAGE ACCE SS CUSTOMER AGREEMENT
This is the agreement for adding either Brokerage          • to authorize us to debit your account to satisfy any     arrange for account statements to be sent only to them,
Portfolio or Brokerage Access to your brokerage              check, card, and related transactions (such as ACH)      or change the account’s features and services
account. It describes the cash management                    as soon as we receive notice of such a transaction       (although no account owner may remove another’s
services included, and the policies associated with        • if you choose a mutual fund for your core account,       name from the account).
these services. Please review this document and              to authorize liquidating shares of that account to       In addition, with joint accounts, the principle
                                                             satisfy any and all debits against your account          of “notice to one is notice to all” applies. We or
keep it for your records. Do not return it with
                                                           • to let us or your broker/dealer monitor and/or           your broker/dealer are legally considered to have
your application.                                            record any phone conversations with you                  fulfilled an obligation to you and the account if we fulfill
Who’s Who in This Agreement                                • to let us or your broker/dealer verify the information   it with respect to just one account owner (for example,
In this document, “us,” “we,” “our,” and “NFS” refer         you provide and obtain credit reports and other          sending statements or other required communications
to National Financial Services LLC, a NYSE and               credit-related information about you at any time, such   to just one account owner).
SIPC member, whom your broker-dealer has                     as payment and employment information (whether           Note also that neither we nor your broker/dealer has
                                                             for margin or any other purpose)                         any obligation to question the purpose or propriety of
engaged to extend margin credit and to provide
                                                           • to let us or your broker/dealer share with third         any instruction of a joint account owner that appears
certain other cash management services for its               parties any information you provide, but only as
brokerage accounts.                                                                                                   to be authentic, or to let other owners know about any
                                                             required by law or as permitted by our and/or your       changes an owner has made to the account, unless we
The terms “account owner,” “you,” and “your” refer           broker/dealer’s privacy policy                           have received written notice to the contrary, in good
to the owner(s) indicated on the account                   • to resolve disputes concerning your relationship         order, from another account owner. We and your
application. For joint accounts, these terms refer to        with us or your broker/dealer (other than class          broker/dealer do each reserve the right to require, at
all owners, collectively and individually. For               actions) through arbitration rather than in a court of   any time, the written consent of all account owners
                                                             law                                                      before acting on an instruction from any account owner,
accounts owned by entities, such as trust or
                                                           • if applying for margin, to authorize us to lend          but we or your broker/dealer will use this right only at
business accounts, these terms refer both to the             property of yours that has been pledged as               our own discretion and for our own protection.
entity and to all account holders.                           collateral, and to comply with all provisions of this    Laws covering joint or community property vary by
                                                             agreement concerning margin, including                   state. You are responsible for verifying that the joint
                                                             determining that margin borrowing is appropriate         registration you choose is valid in your state. You may want
                                                             for you, based on your own careful examination of
COMMITMENTS BETWEEN                                          your financial resources, investment objectives,
                                                                                                                      to consult your lawyer about this. Generally, for
                                                                                                                      joint tenants with rights of survivorship and tenants by
YOU AND US                                                   and risk tolerance; you also agree to cooperate          the entirety, on the death of an account owner the
                                                             with us and our affiliates to execute whatever            entire interest in the account goes to the surviving
                                                             instruments or documents we reasonably
Our Commitments to You                                       determine to be necessary to exercising our rights
                                                                                                                      account owner(s), on the same terms and conditions.
                                                                                                                      For tenants in common, a deceased account owner’s inter-
When we accept your Brokerage Portfolio and                  under this agreement                                     est (which equals that of the other account
Brokerage Access Form (“the form”), we are agreeing        • to understand that, whenever you invest in, or           owner(s) unless specified otherwise) goes to that
to provide a range of cash management services (such         exchange into, any mutual fund (including any fund       account owner’s legal representative. Tenants in
as margin, checkwriting, and debit cards), as described      chosen for your core account), you are responsible       common are responsible for maintaining records of
more completely in the instructions that come with the       for obtaining and reading that fund’s prospectus,        the percentages of ownership.
form. All services are provided in conjunction with a        including its description of the fund, the fund’s fees
brokerage account that we also provide to you through        and charges, and the operation of the fund
your broker/dealer.                                        • to notify us in writing any time there is a material
Be aware that you will automatically be considered for       change in your financial circumstances or                 ACCOUNT FEATURES
margin credit unless you decline it on the form. You         investment objectives
do not have to apply for margin, and, if you do apply      • to notify PNC Bank, Delaware or PFPC Trust               AND POLICIES
and are approved, you do not have to use the margin          Company immediately if any check or debit card
feature. Note, however, that once margin is                  associated with your account is lost or stolen           Core Account and Income Account
in place on your account, there are certain                • to destroy all debit cards and unused checks             Your account includes a core account that is used for
circumstances that could trigger its use, even if you        immediately upon termination of the account or the       settling transactions and holding credit balances.
did not intend to do so. See the information on margin       debit card or checkwriting service, and to return the    Amounts credited to your core account will be invested
later in this agreement.                                     destroyed cards and checks to your broker-dealer         in the core account investment vehicle you indicate on
                                                           • to comply with all applicable laws and regulations       your account application. If you do not choose a core
Your Commitments to Us                                       concerning trading in restricted securities and          account investment vehicle, we may invest your credit
                                                             securities of issuers of whom you are an affiliate        balance in the money market fund or taxable interest-
Many of these commitments are spelled out more             • to use the account and its features according to         bearing credit account of our choice.
completely on the following pages, but in general, when      this agreement
you sign the form, you agree to the following:                                                                        Your account also includes an income account, which
                                                           • to be bound by the current and future terms of           receives all non-reinvested income produced by
• to accept full responsibility for the content and          this agreement, from the time you first use your          securities held in your account (such as interest,
  accuracy of all authorized instructions placed             account or sign the form, whichever happens first         dividends, and mutual fund distributions). Income paid
  on your account, and for all results and                 • to represent that, to the best of your knowledge,        into this account will accrue until paid out according to
  consequences of these instructions; this includes          the copy of the Customer Agreement provided to           your instructions.
  all investment decisions and trading orders, and           you has not been altered in any way
  all instructions placed by you, your broker/dealer,
  or any other person you authorize                                                                                   Credits to Your Account
• to correctly designate all orders as either “short” or                                                              Any new deposits (including checks) and any proceeds
  “long,” with the “long” designation being a              JOINT REGISTRATION                                         from transactions are credited promptly to your core
  representation by you that you own the security          With joint registration accounts, any obligations or li-   account.
  and will deliver it to us by the settlement date         abilities resulting from one account owner’s actions are   If you have a money market fund for your core account,
• to pay all fees, charges, and expenses incurred          joint and several (in other words, are the                 all core account credits will be swept automatically into
  in your account — including margin interest on any       responsibility of each account owner, both individually    that fund — daily for amounts of $1.00 or more, weekly
  credit we extend to you — according to the fees in       and jointly). We or your broker/dealer may enforce this    for lesser amounts. All core fund investments must
  effect at the time; for services we or your              agreement against all account owners or against any        meet the fund’s investment minimums Money in the
  broker/dealer perform at your request that are not       owner individually.                                        core fund earns dividends, as described in the fund’s
  covered in a current fee schedule, you agree to                                                                     prospectus. If in the future you have a different money
                                                           Each owner of a joint account may act as if he or
  pay the applicable fee                                                                                              market fund for your core account, these provisions will
                                                           she were the sole owner of the account, with no
• to maintain enough assets in your account to             further notice or approval necessary from any              still apply.
  satisfy all obligations as they become due, and to       joint owner. For example, a joint owner can — in
  authorize us or your broker/dealer to take whatever      his or her own name — write checks, buy and sell
  steps we or your broker/dealer may consider              securities, withdraw or transfer assets, borrow against
  necessary to resolve unpaid debts or other               the account (such as through short sales or margin),
  obligations




1         BROKERAGE ACCOUNT CUSTOMER AGREEMENT
If you have a taxable interest-bearing credit account for    responsible for any checks or other debits to your         Checkwriting
your core account, your core account credits (which are      account that are not honored because the account
considered cash balances awaiting reinvestment) may          has insufficient funds.                                     When you request (and are approved for) checkwriting,
earn interest, at the discretion of us or your                                                                          your checks will be drawn on an account at PNC Bank,
broker/dealer. The rate of any interest paid, as well as                                                                N. A., a subsidiary of PNC. If you write a check and your
                                                             Resolving Unpaid Debts                                     collected balance (as defined in “Debits to Your
any minimums that may apply, is determined by us or
your broker/dealer and may change at any time without        or Other Obligations                                       Account”) is not sufficient to honor the full amount, the
notice to you. To learn more, speak to one of your           If your available balance is not enough to satisfy         check will be dishonored and neither PNC Bank, N.A.
broker/ dealer’s representatives.                            a given debit, we and your broker/dealer reserve           nor we are liable to you for any consequences.

Note that while incoming checks will begin to earn           the right to take action as we see fit, including any       Checkwriting is covered by its own Checkwriting and
dividends or interest upon deposit, you may have to          of the following:                                          Debit Card Agreement and Disclosure Statement,
wait up to four days before being able to draw on the        • decline to honor the debit, which may result in fees     which are mailed to you. Although these documents
proceeds (regardless of your core account vehicle).            (such as a returned check fee) or other                  are provided separately, they are incorporated herein
                                                               consequences for you                                     by reference (are legally considered part of this
Credit balances in your income account may earn                                                                         agreement).
taxable interest, the rate of which is determined by us      • if you have a margin account and the unsatisfied
or your broker/dealer and may change at any time               debit is for a securities purchase, draw on the
without notice to you. Any income account interest will        collected balance of another account of yours            Debit Cards
be based on the daily averaging of income account              that we hold                                             When you request (and are approved for) a debit card,
credit balances during the interest period, and, as long     If you have a margin account, we or your broker/dealer     PNC Bank, Delaware, will issue a card to you. Non-
as it amounts to at least one cent, is paid on the first      may transfer to that account any unresolved debit from     resident aliens are not eligible for the Brokerage
business day following the 20th day of each month and        other accounts of yours.                                   Portfolio Visa Platinum Debit Card or any other
reflected on your month-end statement. Note that free                                                                    program or service that depends on that card.
                                                             Note that at any time, we or your broker/dealer may
credit balances in your core account and income
                                                             reduce your available balance based on obligations that    Each debit card is covered by the Checkwriting and
account will not be combined to determine your interest
                                                             have been incurred but not yet debited.                    Debit Card Agreement and Disclosure Statement (see
earnings in either account.                                                                                             “Checkwriting”) above.
                                                             It is important to understand that we and your
                                                             broker/dealer have additional choices for resolving        As an account owner, you are responsible for:
Debits to Your Account                                       unsatisfied obligations. Like many other securities         • any usage of any debit card on the account
All debits are accumulated daily to your account and         brokers, we and your broker/dealer reserve the
are paid to the extent that sufficient funds are available.   right to sell, transfer, or otherwise use any assets       • understanding the terms of the debit card
As an account owner, you are responsible for satisfying      or other property in which you have an interest —            agreement before you begin using the card
all debits on your account, including any debt still owed    either currently or at any other time — to discharge       • advising any other card holders on your account
after all assets have been removed from an account,          any obligations you may have to us or your                   that these agreements will apply to them, that they
any interest (at prevailing margin rates) that has           broker/dealer (including unmatured and contingent            may be responsible for paying any charges you or
accrued on that debt, any late charges arising from          obligations), and to do so without further notice or         other card holders fail to pay, and that their credit
your failure to pay for securities transactions in full by   demand. For example, if you have bought securities           records may be affected by any activity on the
the settlement date, and any costs (such as legal fees)      but not paid for them, we or your broker/dealer may          account, whether attributable to them or not
that we or your broker/dealer incur in collecting the        sell them ourselves and use the proceeds to settle
                                                                                                                        Total debit card transactions generally are limited to
debt.                                                        the purchase.
                                                                                                                        your collected balance, or to the following, whichever is
When multiple debit items become payable at                  We or your broker/dealer may also use property to          lower:
the same time, these items will be paid in the               satisfy a margin deficiency or other obligation, whether    • Total debit card transactions (including
following order:                                             or not we or your broker/dealer have made advances in        merchant transactions, authorizations, and
                                                             connection with this property. This provision extends to     ATM withdrawals): $30,000 per day
• securities transactions (including any margin calls)
                                                             any property held by you or carried for any account of
  and any account fees                                                                                                  • Total ATM cash withdrawals per day: $1,500 (some
                                                             yours, including any credit balances, assets, and
• debit card transactions                                    contracts, as well as shares of any mutual funds or          ATMs may impose lower daily limits)
• checks written against your account                        other investment companies for which we, your              • Any additional limits set by PFPC or by a
When settling debits against your account, it is our         broker/dealer, or an affiliate of either one provides         merchant, bank, or ATM processing a transaction
policy to turn to the following sources (collectively        management or administrative services. Although we or
                                                                                                                        Note that on any account, we typically reduce your
called your “collected balance”), in this order:             your broker/dealer may use other methods when we
                                                                                                                        collected balance as soon as a debit card transaction is
                                                             determine they may be more appropriate, we and your
• any cash available in your account without                                                                            authorized, whether or not the authorization results in
                                                             broker/dealer reserve the right to use the provisions
  incurring margin interest charges (including both                                                                     an actual transaction.
                                                             described in this section at any time, except in cases
  core and income account balances)
                                                             involving retirement accounts when these provisions
• if you have a margin account, any margin                   would conflict with the Employee Retirement Income          Platinum Cash Back Program
  credit available                                           Security Act of 1974 (ERISA) or the Internal Revenue       The Platinum Cash Back Program (“Cash Back
If necessary, we may turn to following additional            Code of 1986, both as amended.                             Program”) pays interest on eligible debit card
sources to settle a debit involving a securities                                                                        purchases. The program is available automatically
transaction:                                                 Statements                                                 to users of the Brokerage Portfolio Visa Platinum
• any shares in another money market fund,                                                                              Debit Card, but does not apply to:
  including any in another non-retirement account            We will send to the address of record a statement          • cash advances and cash withdrawals
  with the same registration (which you authorize us         of account:                                                • purchases made before July 1, 2006
  to sell for this purpose when you sign the
                                                             • every calendar quarter, at a minimum                     • debit card purchases posted to an account that has
  application)
                                                             • for any month when you have trading or cash                been downgraded or closed
• any securities in this or any other account
                                                               management activity                                      Interest accrues each day at that day’s FCASH rate
  furnished by us in which you have an interest
                                                             Your account statements will show all activity in your     (currently the Federal Funds target rate minus 100
Note that in some cases, delays in data transmission                                                                    basis points (1.00%)), starting when a purchase is
                                                             account for the stated period, including securities
between financial institutions could mean that a credit                                                                  posted to your core account. Friday’s rate is also used
                                                             transactions, cash and margin balances, credits and
actually received on a given business day may not be                                                                    for Saturday and Sunday. We set the interest rate at
                                                             debits to your core account, and all fees paid directly
reflected in your available balance until the following                                                                  our discretion and can change it without notice.
                                                             from your account.
business day.
Interest on any margin debt will accrue beginning the
day credit is extended and is subject to the terms
                                                             Transferring Money Electronically                          On the last business day of the month (or the day your
                                                                                                                        account is downgraded or closed, if that happens first),
described in Borrowing on Margin in this agreement.                                                                     the interest you have accrued is totaled and credited to
Money market fund shares used to pay debits are              Options for transferring cash in and out of your core
                                                             account electronically include wires, which use the        your account. The “Platinum Cash Back” section of
redeemed at the NAV in effect at the time (typically                                                                    your monthly statement summarizes your current and
$1.00). For disclosures concerning money market              Federal Reserve wire system, and electronic funds
                                                             transfers (EFTs), which work like an electronic check.     year-to-date interest credits for the current statement
funds, see “Money Market Fund Investments” later in                                                                     period and year-to-date, while the “Other Additions and
this agreement. Neither we nor your broker-dealer are        These features are optional and require separate
                                                             instructions from you, which your broker/dealer will       Withdrawals” section of the statement shows the actual
                                                             relay to us.                                               interest credit transactions.

2         BROKERAGE ACCOUNT CUSTOMER AGREEMENT
Note that interest is taxable as “Other Income,” will be     • place stop orders with respect to these securities         • Short selling is a margin account transaction
reported on tax form 1099 MISC, and is subject to            How and when we can take these steps:                          and entails the same risks as described above.
standard tax withholding. Consult your tax advisor if                                                                       NFS can use your account to buy securities to
you have any questions.If I have questions regarding         • at any time, during regular market hours                     cover a short position without contacting you. If you
the way interest payments are reflected on my                   or otherwise                                                 don’t have sufficient assets, you are responsible for
statement, I understand that I should consult with my        • for any cause, such as high market volatility, an            the shortfall and collection costs.
investment representative.                                     account owner’s death or petition for bankruptcy,
                                                                                                                          • NFS can loan out (to itself or others) the
                                                               an attachment, or a stock exchange order
                                                                                                                            securities that collateralize your margin
Account Protection                                           • through any market we choose, such as any stock              borrowing, and can loan you securities to cover
                                                               exchange, public auction, or private sale, including         your short sales. If it does, you may not be
The securities in your account are protected in                buying assets on our own behalf                              entitled to receive, with respect to securities that
accordance with the Securities Investor Protection           • with or without advertising                                  are lent, certain benefits that normally accrue to a
Corporation (SIPC) for up to $500,000 (including                                                                            securities owner, such as the ability to exercise
up to $100,000 for uninvested cash). We also                 Although we may consider any requests or offers you
                                                             make in connection with our taking these steps, we             voting rights, or to receive interest, dividends, or
have arranged for additional coverage above these                                                                           other distributions. Although you may receive
limits. Neither coverage protects against a decline          have no obligation to accommodate them.
                                                                                                                            substitute payments in lieu of distributions, these
in the value of your securities, nor does either coverage    Note that property in a margin account may be pledged          payments may not receive the same tax treatment
extend to certain securities that are considered             or re-pledged, hypothecated (loaned) or re-                    as actual interest, dividends, or other distributions,
ineligible for coverage.                                     hypothecated, either separately or in common with any          and you may therefore incur additional tax liability
For more details on SIPC, or to request a SIPC               other property, for as much as your obligation to us or        for substitute payments. NFS may allocate
brochure, visit www.sipc.org or call 1-202-371-8300.         more, without our having to retain a like amount of            substitute payments by lottery or in any other
                                                             similar property in our control for delivery. Also, we may     manner permitted by law, rule, or regulation.
                                                             at any time, and without notice to you, transfer any prop-     Please note that any substitute payments NFS
Transaction Settlement Deadlines                             erty between any of your accounts, whether individual          makes are voluntary, and may be discontinued at
Unless notified to the contrary, you need to pay for all      or joint, or from any of your accounts to any account you      any time.
transactions by 2 p.m. Eastern time on the settlement        guarantee.
                                                                                                                          • Checkwriting and debit card services may
date, and deliver all securities in time for us to receive   Note that in a Transfer on Death account, margin               increase your risk of a margin call. Any debits
them one business day before the settlement date. We         balances are not transferrable. Prior to transferring the      that are posted to your account when no income or
and your broker/dealer reserve the right to cancel or        account to the beneficiaries, we will satisfy any margin        core account assets are available will drive up your
liquidate, at your risk, any transaction not settled in a    debt by liquidating our choice of securities                   margin balance.
timely way.                                                  in the account.
                                                                                                                          Additional terms concerning margin appear elsewhere
                                                                                                                          in this agreement, particularly in “Agreement Features
Precious Metals                                              Important information about margin                           and Policies,” “Fees and Other Costs,” and “Terms Con-
Precious metals are not covered by SIPC account              and its risks                                                cerning This Agreement.”
protection, but are insured by the depository at                                                                          If you have any questions or concerns about your
                                                             When you buy securities in your account, you may pay
market value if stored through us. When trading                                                                           margin account or margin generally, please contact
                                                             for them in full or you may borrow part of the
precious metals, note that because they can                                                                               NFS.
                                                             purchase price from us, using a margin account.
experience sudden and rapid price changes, they are
risky as investments, and you cannot be guaranteed           When you borrow on margin, the securities in your
an advantageous price when you trade them. If you            account become our collateral for the loan to you. A
take delivery of precious metals, delivery charges and       decline in the value of these securities is therefore a      FEES AND OTHER COSTS
sales and use taxes will apply.                              decline in the value of the collateral. We can respond in
                                                             a variety of ways, as described below.                       The features and services provided in connection
                                                                                                                          with your account generally involve fees, expenses,
                                                             Before you make use of margin in any way, it’s
                                                                                                                          or other costs. These fees and costs may vary with
                                                             essential to fully understand the risks involved. These
MARGIN CREDIT                                                risks include:
                                                                                                                          account balance, account activity, and usage of
                                                                                                                          features or services. All fees and costs are charged
(Applies only if you have margin on your account)            • You can lose more money than you deposited                 to your core account. A partial list includes fees or
A margin account lets you borrow money from NFS,               in your margin account. If securities you bought           costs for:
using as collateral eligible securities that are in your       on margin go down in price, you may face a
                                                                                                                          • account maintenance (annual fee, for Brokerage
account. A margin account is designed primarily to             “margin call,” meaning you have to deposit more
                                                                                                                            Portfolio accounts and for Brokerage Access
finance additional purchases of securities, although it         money or marginable securities.
                                                                                                                            accounts with debit cards)
can also provide overdraft protection for your cash          • NFS can set stricter margin requirements than
                                                                                                                          • debit cards (for Brokerage Portfolio Platinum cards
management activities.                                         the industry minimum, and can increase these
                                                                                                                            only)
                                                               “house” requirements without advance notice.
Margin offers both potential benefits and risks and is                                                                     • ATM usage fees
                                                               An increase may take effect immediately and may
not appropriate for all investors. Unless you indicate
                                                               trigger a maintenance margin call.                         • check reorders
otherwise on your form, you will be considered for
margin credit. Consult your broker/dealer or other           • If you cannot meet a margin call, NFS can force            • stop payment requests, dishonored checks, copies
financial advisor if you have questions about whether           the sale of assets in your account(s). If the equity         of checks, or excessive checkwriting activity
margin is appropriate for you. Margin is not available on      in your account falls below either industry
                                                               minimums or NFS’s house requirements, NFS can              • interest on any margin debt you incur (see below)
UGMA/UTMA, estate or retirement accounts.
                                                               cover the deficiency by selling securities or other
If your account is approved for margin, you agree that
all marginable assets will be held in a margin account,
                                                               assets in any account of yours at NFS (including           Margin Interest
                                                               accounts at other NFS affiliates). If these assets are
unless you tell us to the contrary (precious metals are                                                                   In determining your debit balance and interest rate,
                                                               insufficient, you will be responsible for making up
not marginable). Money in your core account, and any                                                                      we combine (by computer) the margin balances in all of
                                                               any shortfall, and potentially for paying NFS’s costs
cash dividends paid on marginable securities, are                                                                         your accounts except short accounts and income
                                                               for collecting the shortfall as well.
automatically applied to your margin debt every month.                                                                    accounts. We then compute interest for each account
                                                             • NFS can sell assets in your account without                based on the rate resulting from averaging the daily
When you borrow on margin, you agree to maintain the
                                                               contacting you. While NFS generally attempts to            debit balances during the interest period. Interest is
level of margin collateral we require (which we may
                                                               notify customers of margin calls, it is not required       charged from the date we extend you credit.
change at any time).
                                                               to do so. Even if you are notified, NFS can still sell
Should we believe it necessary to protect our interests,                                                                  For all margin borrowing — regardless of what you use
                                                               assets before the time indicated in the notice, if it
we may take any or all of the following steps:                                                                            it for — we charge interest at an annual rate that is
                                                               believes such action is warranted.
                                                                                                                          based on two factors: our base rate, and your average
• sell assets, or contracts relating to these, that are      • You are not entitled to choose which securities            debit balance. Interest on debit balances is computed by
  in your account                                              are sold to meet a margin call. Because your               multiplying the average daily debit balance of the
• buy assets, or contracts relating to these, of which         accounts form NFS’s collateral for its loan to you,        account by the applicable interest rate in effect and
  your account or accounts may be short, in order to           the choice of what to sell is NFS’s.                       dividing by 360, times the number of days a daily debit
  close out in whole or in part any commitment on            • You are not entitled to a time extension on a              balance was maintained during the interest period.
  your behalf                                                  margin call. While NFS may grant you an                    For more complete information on margin interest,
                                                               extension, it is not required to do so.                    including the formula we use for calculating
                                                                                                                          interest, see the attached Disclosure of Credit Terms
3         BROKERAGE ACCOUNT CUSTOMER AGREEMENT                                                                            on Transactions.
MONITORING YOUR ACCOUNT                                       Governing Laws and Policies                                     Regardless of how or when your account is closed, you
                                                                                                                              will remain responsible for all unpaid obligations of your
As an account owner, you are responsible for                  This agreement and its enforcement are                          account. This includes charges, debit items, or other
monitoring your account. This includes making sure            governed by the laws of the Commonwealth                        transactions you initiated or authorized, whether arising
that all transactions are accurate and that you are           of Massachusetts, except with respect to                        before or after termination, as well as any fees incurred
receiving confirmations, account statements, and               its conflicts-of-law provisions.                                 but not yet charged to your account. Payment for these
any other expected communications. It also includes           All transactions through us are subject to the rules,           obligations will be deducted from your final account
reviewing these documents to see that information             guidelines, and customs of the marketplace where they           balance.
about your account is accurate and contains nothing           are executed, and those of any clearing facility we may
suspicious. You understand that NFS does not monitor          use, as well as applicable state and federal laws and
your account for you and has no duty to advise you of         any of our trading policies and limitations that are in
any issue regarding your account or us.                       effect at the time. Checkwriting and debit cards are            NOTICES AND DISCLOSURES
So long as we or NFS send communications to you at            subject to applicable Delaware and federal provisions,
the physical or electronic address of record given on         and the rules of the bank providing the service.
the application, or to any other address given to us by                                                                       Choice of Marketplace and
an owner, the communications are legally presumed to                                                                          Routing of Orders
                                                              Modification and Enforcement
have been delivered, whether you actually received                                                                            When securities may be traded in more than one
them or not. In addition, confirmations are legally            We may amend this agreement at any time. This may
                                                                                                                              marketplace, we may use our discretion in selecting
presumed to be accurate unless you specifically tell us        include changing, dropping, or adding fees and policies,
                                                                                                                              the market in which to place your order.
otherwise within five days of when they were sent to           changing features and services or the entities that
you; account statements, within ten days.                     provide them, and limiting the usage or availability of         Brokerage orders (including those generated by
                                                              any feature or service, within the limits of applicable         reinvested dividends) are routed through us, and we
If you have not received a communication you                  laws and regulations. Although it is our policy to send         in turn send orders to various exchanges or market
expected, or if you have a question or believe                notice to account owners of any material changes, we            centers for execution. In deciding where to send an
you have found an error in any communication                  are not obligated to do so in most cases. Outside of            order, we look at a number of factors, such as size of
from us, telephone us immediately, then follow up             changes originating in these ways, no provision of this         order, trading characteristics of the security, favorable
with written notice.                                          agreement can be amended or waived except in writing            execution prices (including the opportunity for price
                                                              by one of our authorized representatives.                       improvement), access to reliable market data,
                                                                                                                              availability of efficient automated transaction
                                                              We or your broker/dealer may transfer our interests
                                                                                                                              processing, and execution cost. Some market centers
LIMITS OF RESPONSIBILITY                                      in this account or agreement to any of our successors
                                                                                                                              may execute orders at prices superior to the publicly
                                                              and assigns, whether by merger, consolidation, or
Your broker/dealer and NFS are not liable for any                                                                             quoted market. Although you can give instructions
                                                              otherwise. You may not transfer your interests in your
losses caused directly or indirectly by government                                                                            with a written order (though not an order placed
                                                              account or agreement except with our prior written
restrictions, exchange or market rulings, suspension                                                                          through any telephone, electronic, or online trading
                                                              approval, or through inheritance, corporate dissolution,
of trading, war, strikes, or other conditions beyond                                                                          system) that the order be sent to a particular
                                                              or similar circumstance, as allowed by law, in which
our control, such as extreme market volatility or                                                                             marketplace, our order-routing policies are designed
                                                              case any rights and obligations in existence at the time
trading volumes.                                                                                                              to result in transaction processing that is favorable for
                                                              will accrue to, and be binding on, your heirs,
                                                                                                                              you.
                                                              executors, administrators, successors, or assigns.
                                                                                                                              Note that we and your broker/dealer may receive
                                                              We or your broker/dealer may enforce this agreement
                                                                                                                              monetary payments or other consideration (such as
INDEMNIFICATION                                               against any and all account owners. Although we or
                                                                                                                              financial credits or reciprocal business) for directing
                                                              your broker/dealer may not always enforce certain
You agree to indemnify us from, and hold us                                                                                   equity trades to particular broker/dealers or market
                                                              provisions of this agreement, both parties retain the
harmless for, any losses (as defined in Limits to our                                                                          centers for execution.
                                                              full right to do so at any time.
Responsibility) resulting from your actions or failures
to act, whether intentional or not, including losses          If any provision of this agreement is found to be in            Credit-Related Information
resulting from actions taken by third parties.                conflict with applicable laws, rules, or regulations,
                                                              either present or future, that provision will be enforced       For the name and address of any credit reporting
Beyond taking reasonable steps to verify the                  to the maximum extent allowable, or made to conform,            agency from whom we or NFS has obtained
authenticity of instructions, we have no obligation to        as the case may be. However, the remainder of this              information about you, send a written request to us or
inquire into the purpose, wisdom, or propriety of any         agreement will remain fully in effect. No waiver of any         the card issuer, as applicable.
instruction we receive.                                       provision of this agreement will be considered a waiver
                                                              of any other provision.                                         Money Market Fund Investments
                                                              If for any reason (such as the termination of a contract        An investment in a money market fund is neither
TERMS CONCERNING                                              between us and your broker/dealer) your account is              insured nor guaranteed by the Federal Deposit
THIS AGREEMENT                                                held directly by us, it may be restricted and there may         Insurance Corporation (FDIC) or any other U.S.
                                                              be new or different fees and commissions. Examples              government agency. Although a money market
                                                              of restrictions include the ability to place sell orders only   fund seeks to preserve the value of your investment
Applicability                                                 and the loss of electronic trading.                             at $1.00 per share, it is possible to lose money by
This agreement is the only agreement between you              Although there is no minimum balance requirement                investing in a money market fund.
and us concerning its subject matter, and covers all          beyond those set by industry regulation, your
Brokerage Portfolio and Brokerage Access accounts, as         broker/dealer may review your account for activity, and
well as any other applicable brokerage account, that                                                                          USA PATRIOT Act Notice
                                                              may charge an inactivity fee, close your account, or
you, at whatever time, open, reopen, or have opened           transfer your account to another provider. If your              To help the government fight the funding of terrorism
with us. In addition, if you have already entered into        account is transferred, it may have different fees,             and money-laundering activities, Federal law and
any agreements concerning services or features that           features, and terms. Your broker/dealer will notify you         contractual obligations between us and your
relate to this account, or if you do so in the future, this   before any transfer of your account.                            broker/dealer require that we verify your identity by
agreement incorporates by reference the terms,                                                                                obtaining your name, date of birth, address, and a
conditions, and policies of those agreements. In the                                                                          government-issued identification number before
case of any conflict between this agreement and an
                                                              Termination
                                                                                                                              opening your account. In certain circumstances, we
agreement for a particular service or feature, the            We or your broker/dealer can terminate your account,            may obtain and verify this information with respect to
service or feature agreement will prevail.                    this agreement, or any feature — at any time and for            any person(s) authorized to effect transactions in an
                                                              any reason, including reasonable belief that a version          account. For certain entities, such as trusts, estates,
                                                              of this agreement containing unauthorized changes has           corporations, partnerships, or other organizations,
                                                              been used — upon written notice to you. You can close           identifying documentation is also required. Your
                                                              your account, or terminate any optional feature, by             account may be restricted and/or closed if we or your
                                                              notifying us in writing or calling us on a recorded line.       broker/dealer cannot verify this information. Neither we
                                                              PNC cannot close your account, but can terminate its            nor your
                                                              debit card or checkwriting services. When an account is         broker/dealer will be responsible for any losses or
                                                              closed, all debit cards, checkwriting, and other features       damages (including but not limited to lost opportunities)
                                                              associated with it are terminated.                              resulting from any failure to provide this information,
                                                                                                                              or from any restriction placed upon, or closing of,
                                                                                                                              your account.

4         BROKERAGE ACCOUNT CUSTOMER AGREEMENT
Resolving Disputes — Arbitration
This agreement contains a pre-dispute arbitration
clause. Under this clause, which becomes binding on
all parties when you sign your account application, you,
we, and your broker/dealer agree as follows:
A. All parties to this agreement are giving up the right
   to sue each other in court, including the right to a
   trial by jury, except as provided by the rules of the
   arbitration forum in which a claim is filed.
B. Arbitration awards are generally final and binding; a
   party’s ability to have a court reverse or modify an
   arbitration award is very limited.
C. The ability of the parties to obtain documents,
   witness statements, and other discovery is generally
   more limited in arbitration than in court proceedings.
D. The arbitrators do not have to explain the reason(s)
   for their award.
E. The panel of arbitrators will typically include a
   minority of arbitrators who were or are affiliated with
   the securities industry.
F. The rules of some arbitration forums may impose
   time limits for bringing a claim in arbitration. In
   some cases, a claim that is ineligible for arbitration
   may be brought in court.
G. The rules of the arbitration forum in which the
   claim is filed, and any amendments thereto, shall
   be incorporated into this agreement.
All controversies that may arise between you, us
and your broker/dealer concerning any subject
matter, issue or circumstance whatsoever
(including, but not limited to, controversies
concerning any account, order or transaction or
the continuation, performance, interpretation or
breach of this or any other agreement between
you, us and your broker/dealer whether entered
into or arising before, on or after the date this
account is opened) shall be determined by arbitra-
tion in accordance with the rules then prevailing
of the Financial Industry Regulatory Authority
(FINRA) or any United States securities self-regu-
latory organization or United States securities
exchange of which the person, entity or entities
against whom the claim is made is a member, as
you may designate. If you designate the rules of
a United States self-regulatory organization or
United States securities exchange and those rules
fail to be applied for any reason, then you shall
designate the prevailing rules of any other United
States securities self-regulatory organization or
United States securities exchange of which the
person, entity or entities against whom the claim is
made is a member. If you do not notify NFS and/or
your broker/dealer in writing of your designation
within five (5) days after such failure or after you
receive from NFS and/or your broker/dealer a writ-
ten demand for arbitration, then you authorize NFS
or your broker/dealer to make such designation
on your behalf. The designation of the rules of a
self-regulatory organization or securities exchange
is not integral to the underlying agreement to
arbitrate. You understand that judgment upon any
arbitration award may be entered in any court of
competent jurisdiction.
No person shall bring a putative or certified class
action to arbitration, nor seek to enforce any
predispute arbitration agreement against any
person who has initiated in court a putative class
action; or who is a member of a putative class
action who has not opted out of the class with
respect to
any claims encompassed by the putative class
action until: (i) the class certification is denied; or
(ii) the class is decertified; or (iii) the customer is
excluded from the class by the court. Such forbear-
ance to enforce an agreement to arbitrate shall not
constitute a waiver of any rights under this agree-
ment except to the extent stated herein.
                                                            1.807444.104 - 482141.1.0 (01/08)



5         BROKERAGE ACCOUNT CUSTOMER AGREEMENT
                                                                                                                          For Branch Use Only


                                                                                                     BRANCH PREFIX                                           ACCOUNT NO.


                                                                                                     RR                         RR2                              AGENCY

                                                                                                     Are Holders Employees of your B/D?                 No      Yes



BROKERAGE ACCOUNT APPLICATION
Important Information To help the government fight the funding of terrorism and money-laundering activities, Federal law and contractual obligations to National Financial
Services LLC (“NFS”) require that your Broker/Dealer verify your identity by obtaining your name, date of birth, address, and a government-issued identification number before
opening your account. In certain circumstances, your Broker/Dealer may obtain and verify this information with respect to any person(s) authorized to effect transactions in an
account. For certain entities, such as trusts, estates, corporations, partnerships, or other organizations, identifying documentation is also required. Your account may be restricted
and/or closed if your Broker/Dealer cannot verify this information. Neither your Broker/Dealer nor NFS will be responsible for any losses or damages (including, but not limited to,
lost opportunities) resulting from any failure to provide this information, or from any restriction placed upon, or closing of, your account.


  All items marked with this symbol are required. Applications that are missing required information will not be processed.

 1. ACCOUNT SETUP
You must indicate an account type (either personal or entity). Types of ownership are governed by the laws of your state of residence. If you need information about which
are appropriate in your state, please consult your state tax officials or your tax advisor. Additional paperwork is required for estate or entity accounts.

  No. of Account Holders:               Owners, trustees, custodians, authorized individuals

Personal Accounts                                                                                  Entity Accounts

    Individual                Transfer on Death:                  Custodial:                           Corporation                             Trust:                      Non-Prototype:

                                  TOD – Individual                     UGMA                            Partnership                                Under Agreement             IRA
Joint:
                                  TOD – Joint                          UTMA                            Unincorporated Association                 Under Will                  Plan
    Tenants with Rights
    of Survivorship               Tenants with Rights                                                                                                                         Trust
                                  of Survivorship                 Estate:                              Limited Liability Company
    Tenants in Common                                                                                 Enter the tax classification
                                  TOD – Joint                          Administrator                                                              Other:
    Tenants in Entirety           Tenants in Entirety                                                 (D = disregarded entity,
                                                                       Executor                       C = corporation, P = partnership): ___
    Community Property
                                                                       Personal                    For entity accounts, complete the Primary Account Holder section below for one
    Usufruct                                                           Representative              authorized individual associated with the account. Provide entity details in Section 3.


 2. PRIMARY ACCOUNT HOLDER

Provide personal information on the primary individual associated with this account (such as the primary owner, authorized individual, custodian, administrator, trustee,
partner, or participant). If there are additional account holders, see Section 7.

Personal Information                                                                                                       For Tenants in Common, indicate this owner’s share:



  FULL LEGAL NAME first, middle, last                             DATE OF BIRTH mm/dd/yyyy           COUNTRY OF CITIZENSHIP


DAY PHONE                                                                    EVENING PHONE                SOCIAL SECURITY NO.         TAXPAYER ID NO.           COUNTRY OF TAX RESIDENCE


E-MAIL                                                                                               TYPE OF GOVERNMENT-ISSUED ID                                               ID NUMBER

    Single/Divorced/Widowed                Married       No. of Dependents:                          STATE/COUNTRY OF ID ISSUANCE              ID ISSUANCE DATE        ID EXPIRATION DATE


  Legal Address No P.O. boxes                                                                        Mailing Address            Same as Legal Address



ADDRESS LINE 1                                                                                     ADDRESS LINE 1


ADDRESS LINE 2                                                                                     ADDRESS LINE 2


CITY                            STATE/PROVINCE                              ZIP/POSTAL CODE        CITY                            STATE/PROVINCE                          ZIP/POSTAL CODE


COUNTRY                                                                                            COUNTRY




                  1.828245.101                                                                                                                   011730101
                                                                                               1
PRIMARY ACCOUNT HOLDER                      continued


                                                                                                                                                          ACCOUNT NUMBER
Employer Information and Affiliations                    Attach additional sheet if needed.


    Employment Status              Employed                 Retired            Not Employed                          I am           I am not    a control person or affiliate of a public company
                                                                                                                     under SEC Rule 144 (such as a director, 10% shareholder, or policy-making
                                                                                                                     officer), or an immediate family or household member of such a person.
OCCUPATION                                         INCOME SOURCE If retired or not employed                          If yes, provide name of company:


EMPLOYER NAME                                                                                                    COMPANY NAME                                                  COMPANY SYMBOL/CUSIP


ADDRESS LINE 1                                                                                                       I am          I am not    affiliated with, or employed by, a stock exchange
                                                                                                                     or member firm of either an exchange, the Financial Industry Regulatory
                                                                                                                     Authority (FINRA) or a municipal securities Broker/Dealer. If yes, provide name
ADDRESS LINE 2                                                                                                       of entity:                                                    Same as My Employer.

CITY                              STATE                       ZIP                        COUNTRY
                                                                                                                 AFFILIATED ENTITY NAME

       I am          I am not       a senior foreign political figure, or a family member
       or close relative of a senior foreign political figure.                                                   ADDRESS LINE 1


List additional account holders in Section 7.                                                                    ADDRESS LINE 2


                                                                                                                 CITY                           STATE                  ZIP                     COUNTRY


 3. ENTITY ACCOUNT INFORMATION
This section is only required for entity accounts. For additional holders, go to section 7 or 8.


    ENTITY NAME                                                                                               COUNTRY OF ORGANIZATION                                   TRUST DATE Required for Trusts


    TAX ID NUMBER                                                COUNTRY OF TAX RESIDENCE                     ENTITY ID DOCUMENT                                     STATE/COUNTRY OF ID ISSUANCE


    Legal Address No P.O. boxes                                                                               Mailing Address                Same as Legal Address



ADDRESS LINE 1                                                                                              ADDRESS LINE 1


ADDRESS LINE 2                                                                                              ADDRESS LINE 2


CITY                              STATE/PROVINCE                               ZIP/POSTAL CODE              CITY                                STATE/PROVINCE                           ZIP/POSTAL CODE


COUNTRY                                                                                                     COUNTRY


 4. SUITABILITY

Financial Profile       For joint accounts, provide combined information.


    Annual Income                           Estimated Net Worth                          Investable/Liquid Assets                 Federal Tax Bracket     Account Funding Source
From all sources                        Excluding primary residence                  Including cash and securities                 15% or below               Asset appreciation
     Under $25,000                            Under $50,000                               Under $50,000
                                                                                                                                   25% to 27.5%               Business revenue
     $25,000 - $50,000                        $50,000 - $100,000                          $50,000 - $100,000
                                                                                                                                   27.5% or above             Inheritance
     $50,001 - $100,000                       $100,001 - $500,000                         $100,001 - $500,000
                                                                                                                                                              Legal/insurance settlement
     Over $100,000                            Over $500,000                               Over $500,000
                                                                                                                                                              Sale of assets
$                                       $                                            $                                                                        Savings from earnings

                                                                                                                                                              Other:
Investment Profile

  Investment Objectives Rank your                       Risk Tolerance                                        General Investment Knowledge                Good               Limited
investment objectives for this account                                                                                                                                       Extensive
                                                         Conservative
in order of importance (1 being the
highest). Review the attached Customer                   Moderate                                             Investment Product Knowledge
Agreement for important information on
                                                         Aggressive                                        Please enter the account holder’s level of knowledge in each of the following:
investment objectives.
                                                                                                                                              None       Limited     Good        Extensive
      Preservation of capital                            Combination:
                                                                                                           Stocks
      Income
                                                        Investment Time Horizon                            Bonds
      Capital appreciation
                                                         Short (0-5 years)
      Speculation                                                                                          Mutual Funds
                                                         Intermediate (6-10 years)
      Trading profits                                                                                      Options
                                                         Long (over 10 years)
      Other:                                                                                               Variable Contracts
                                                         Combination:
                                                                                                           Limited Partnerships


                                                                                                      2
                                                                                                                                                        ACCOUNT NUMBER

 5. ACCOUNT CHARACTERISTICS

Service Instructions

  Proceeds from Sales Choose one.                    Security Purchases Choose one.                     Dividend/Distribution Income Choose one. Note that any dividend/distribution income
                                                                                                        sent to a DVP account will remain there pending additional instructions.
    Hold in core money market fund                     Hold in street name
    (if specified) or in brokerage account                                                                Handle all dividends and distributions like sales proceeds
                                                       Register certificates to account
    Send by check to mailing address                   name and send to mailing address                   Reinvest mutual fund and equity dividends, handle all other distributions like
    of account                                                                                            sales proceeds
                                                       Delivery vs. payment (DVP)
    Send by external bank link (EFT)                                                                      Reinvest mutual fund dividends, handle all other distributions like sales proceeds
    Send by intra-bank payment (IBP)                                                                      Reinvest equity dividends, handle all other distributions like sales proceeds
    Consult Broker/Dealer for availability
                                                                                                       Pay all distributions in cash and send a check:
    Delivery vs. payment (DVP)
                                                                                                          Weekly               Twice a Month            Monthly            Quarterly

Bank Information                                                   Core Money Market Fund                                               Additional Authorized Trader

Required if you choose external or internal bank link. Also        Consult your Broker/Dealer for a list of available funds. If         Attach additional sheet if necessary. You must also submit
required if you want to establish standing instructions for        you do not choose a fund for your Core Account, your                 a Trade Authorization form.
electronic transfers between your brokerage account and your       Broker/Dealer may invest your credit balances in a taxable
                                                                                                                                        Authorize this person to trade on this account.
bank account.                                                      interest-bearing credit account or its default fund choice
                                                                   while awaiting reinvestment.
Bank Account Type                 Checking            Savings
                                                                                                                                         NAME

                                                                    FUND NAME
ABA NUMBER                                                                                                                                   Limited Trading Authority

                                                                                                                    FUND SYMBOL              Full Trading Authority
ACCOUNT NUMBER                                                                                                                               Power of Attorney

                                                                                                                                             Other:

Duplicate Information

To Account Holders                                                 To Third Party
    If selected, New Account Profiles (NAPs) and                   Attach additional sheet if necessary. Completing this section will be considered your request to your Broker/Dealer to instruct NFS to
    Revised Account Profiles (RAPs) regarding                      send the type(s) of duplicate documents checked to the party or parties indicated.
    changes to investment objectives, additional                   Send this party duplicate:              Statements              Trade Confirmations
    account holder address changes, and name
    changes will be sent to each account holder’s
    mailing address. If not selected, these
                                                                    NAME
    communications will be mailed to the mailing
    address of the account and deemed to have been
    delivered to all account holders.                               ADDRESS


                                                                    CITY                                      STATE/PROVINCE           ZIP/POSTAL CODE                                        COUNTRY

Optional Features          You must qualify to add these features to your account. Additional applications will be required.


Indicate any features in this section that you                     Account Features                                                     Cash Management and Banking Features
would like to request. Consult your Broker/Dealer                       Margin                                                          Choose no more than one.
for availability and eligibility, and to obtain the                                                                                          Brokerage Portfolio
appropriate additional application(s) to apply for                      Options
the features(s) you want.                                                                                                                    Brokerage Access
                                                                        Fee-Based Account Indicate type below.


                                                                    ACCOUNT TYPE




                                                                                                   3
                                                                                                                                           ACCOUNT NUMBER

6. BENEFICIARY/FBO INFORMATION

This section is required for Transfer on Death accounts, is optional for Trust              Before making a Per Stirpes designation, consult with an estate planning attorney
and Non-Prototype accounts, and does not apply to other types of accounts.                  and see the Customer Agreement for important information. If you make any Per
                                                                                            Stirpes designation, provide name of executor or other contact:
Share percentages must total 100% for primary and 100% for contingent.
Use percentages only, not dollar amounts.
If beneficiary is a trust, provide trust name, names of all trustees, and                   CONTACT/EXECUTOR NAME
date trust was established.


PRIMARY Beneficiaries/FBO                                                                   CONTINGENT Beneficiaries



NAME OF BENEFICIARY        Spouse      Non-Spouse      Trust     Entity                     NAME OF BENEFICIARY              Spouse        Non-Spouse         Trust   Entity


   SOCIAL SECURITY NO.        TAXPAYER ID NO.    DATE OF BIRTH/TRUST mm/dd/yyyy                 SOCIAL SECURITY NO.             TAXPAYER ID NO.       DATE OF BIRTH/TRUST mm/dd/yyyy


COUNTRY OF CITIZENSHIP/ORGANIZATION                                       % SHARE           COUNTRY OF CITIZENSHIP/ORGANIZATION                                                % SHARE


NAME OF TRUSTEES if applicable                                            Per Stirpes       NAME OF TRUSTEES if applicable                                                     Per Stirpes




NAME OF BENEFICIARY        Spouse      Non-Spouse      Trust     Entity                     NAME OF BENEFICIARY              Spouse        Non-Spouse         Trust   Entity


   SOCIAL SECURITY NO.        TAXPAYER ID NO.    DATE OF BIRTH/TRUST mm/dd/yyyy                 SOCIAL SECURITY NO.             TAXPAYER ID NO.       DATE OF BIRTH/TRUST mm/dd/yyyy


COUNTRY OF CITIZENSHIP/ORGANIZATION                                       % SHARE           COUNTRY OF CITIZENSHIP/ORGANIZATION                                                % SHARE


NAME OF TRUSTEES if applicable                                            Per Stirpes       NAME OF TRUSTEES if applicable                                                     Per Stirpes




NAME OF BENEFICIARY        Spouse      Non-Spouse      Trust     Entity                     NAME OF BENEFICIARY              Spouse        Non-Spouse         Trust   Entity


   SOCIAL SECURITY NO.        TAXPAYER ID NO.    DATE OF BIRTH/TRUST mm/dd/yyyy                 SOCIAL SECURITY NO.             TAXPAYER ID NO.       DATE OF BIRTH/TRUST mm/dd/yyyy


COUNTRY OF CITIZENSHIP/ORGANIZATION                                       % SHARE           COUNTRY OF CITIZENSHIP/ORGANIZATION                                                % SHARE


NAME OF TRUSTEES if applicable                                            Per Stirpes       NAME OF TRUSTEES if applicable                                                     Per Stirpes




NAME OF BENEFICIARY        Spouse      Non-Spouse      Trust     Entity                     NAME OF BENEFICIARY              Spouse        Non-Spouse         Trust   Entity


   SOCIAL SECURITY NO.        TAXPAYER ID NO.    DATE OF BIRTH/TRUST mm/dd/yyyy                 SOCIAL SECURITY NO.             TAXPAYER ID NO.       DATE OF BIRTH/TRUST mm/dd/yyyy


COUNTRY OF CITIZENSHIP/ORGANIZATION                                       % SHARE           COUNTRY OF CITIZENSHIP/ORGANIZATION                                                % SHARE


NAME OF TRUSTEES if applicable                                            Per Stirpes       NAME OF TRUSTEES if applicable                                                     Per Stirpes




NAME OF BENEFICIARY        Spouse      Non-Spouse      Trust     Entity                     NAME OF BENEFICIARY              Spouse        Non-Spouse         Trust   Entity


   SOCIAL SECURITY NO.        TAXPAYER ID NO.    DATE OF BIRTH/TRUST mm/dd/yyyy                 SOCIAL SECURITY NO.             TAXPAYER ID NO.       DATE OF BIRTH/TRUST mm/dd/yyyy


COUNTRY OF CITIZENSHIP/ORGANIZATION                                       % SHARE           COUNTRY OF CITIZENSHIP/ORGANIZATION                                                % SHARE


NAME OF TRUSTEES if applicable                                            Per Stirpes       NAME OF TRUSTEES if applicable                                                     Per Stirpes




                                                                                        4
                                                                                                                                                         ACCOUNT NUMBER

 7. ADDITIONAL ACCOUNT HOLDERS

Use this section to provide personal information on any additional individuals associated with this account (such as a joint owner, authorized individual, minor, administrator,
trustee, partner, or participant). If there are more than two account holders, see instructions at bottom of page.

Personal Information                                                                                                                  For Tenants in Common, indicate this owner’s share:



   FULL LEGAL NAME first, middle, last                              DATE OF BIRTH mm/dd/yyyy                COUNTRY OF CITIZENSHIP


DAY PHONE                                                                      EVENING PHONE                     SOCIAL SECURITY NO.               TAXPAYER ID NO.      COUNTRY OF TAX RESIDENCE


E-MAIL                                                                                                      TYPE OF GOVERNMENT-ISSUED ID                                                   ID NUMBER

    Single/Divorced/Widowed                 Married        No. of Dependents:                               STATE/COUNTRY OF ID ISSUANCE                ID ISSUANCE DATE         ID EXPIRATION DATE


  Legal Address No P.O. boxes                 Same as Primary Holder’s Legal Address                       Mailing Address                  Same as Legal Address of This Account Holder



ADDRESS LINE 1                                                                                           ADDRESS LINE 1


ADDRESS LINE 2                                                                                           ADDRESS LINE 2


CITY                               STATE/PROVINCE                             ZIP/POSTAL CODE             CITY                                 STATE/PROVINCE                       ZIP/POSTAL CODE


COUNTRY                                                                                                   COUNTRY

Employer Information and Affiliations                   Attach additional sheet if needed.


  Employment Status                 Employed               Retired             Not Employed                      I am           I am not    a control person or affiliate of a public company
                                                                                                                 under SEC Rule 144 (such as a director, 10% shareholder, or policy-making
                                                                                                                 officer), or an immediate family or household member of such a person.
OCCUPATION                                         INCOME SOURCE If retired or not employed                      If yes, provide name of company:


EMPLOYER NAME                                                                                                 COMPANY NAME                                                  COMPANY SYMBOL/CUSIP

                                                                                                                 I am          I am not    affiliated with, or employed by, a stock exchange
ADDRESS LINE 1
                                                                                                                 or member firm of either an exchange, the Financial Industry Regulatory
                                                                                                                 Authority (FINRA), or a municipal securities Broker/Dealer.
ADDRESS LINE 2                                                                                                   If yes, provide name of entity:                                 Same as My Employer.


CITY                               STATE                     ZIP                        COUNTRY               AFFILIATED ENTITY NAME

       I am          I am not      a senior foreign political figure, or a family member
       or close relative of a senior foreign political figure.                                                ADDRESS LINE 1


                                                                                                              ADDRESS LINE 2


                                                                                                              CITY                             STATE                 ZIP                    COUNTRY

 8. ENTITIES THAT ARE ACCOUNT HOLDERS

Provide information on any entity that is an account holder. Be sure to also provide, in Section 2 or 7, personal information on at least one individual associated with this
account. If there is more than one entity that is an account holder, see instructions at bottom of page.

Entity Information         If this account holder is an entity, provide information below.




   ENTITY NAME                                                                                              STATE/COUNTRY OF ORGANIZATION                                  TRUST DATE For Trusts Only


   TAX ID NO.                                                   COUNTRY OF TAX RESIDENCE                    ENTITY ID DOCUMENT                                       STATE/COUNTRY OF ID ISSUANCE


  Legal Address No P.O. boxes                                                                              Mailing Address                  Same as Legal Address



ADDRESS LINE 1                                                                                           ADDRESS LINE 1


ADDRESS LINE 2                                                                                           ADDRESS LINE 2


CITY                               STATE/PROVINCE                             ZIP/POSTAL CODE             CITY                                 STATE/PROVINCE                       ZIP/POSTAL CODE


COUNTRY                                                                                                   COUNTRY



Copy and complete this page for each additional owner (whether an individual or an entity). Number each copied page as follows: 5.1, 5.2, 5.3, etc.

                                                                                                  5. 5
                                                                                                                                ACCOUNT NUMBER

9. CUSTOMER AGREEMENT AND SIGNATURE

To My Broker/Dealer and National Financial Services LLC                                    Notice to National Financial Services LLC
I am at least 18 years of age and am of full legal age in the state in which I             This is to advise you that I (we) have instructed my Broker/Dealer to
reside. In consideration of your accepting one or more accounts, I hereby                  establish, in my (our) behalf, and as my (our) agent an account with
acknowledge that I have read, understood and agree to the terms set forth in               you. I (We) have appointed my Broker/Dealer as my (our) exclusive agent
the Customer Agreement herein. I understand that upon issuer’s request, in                 to act for and on my (our) behalf with respect to all matters regarding
accordance with applicable rules and regulations, my Broker/Dealer will disclose           my (our) account with you, including, but not limited to, the placing of
my name to issuers of securities if securities are held in my account so that              securities purchase and sale orders and, provided margin and/or options
I can receive important information unless I do not consent to disclosure, and             trading have/has been approved for the account, delivery of margin and
I will notify my Broker/Dealer if I do not consent (I may not be able to object            option instructions for my (our) account. I (We) acknowledge that no
to this disclosure for certain securities issued by investment companies that are          fiduciary relationship exists with NFS. You shall look solely to my
registered under the Investment Company Act of 1940, or as required by law).               Broker/Dealer and not me (us) with respect to such orders or instructions;
                                                                                           and you are hereby instructed to deliver confirmations, statements, and
I understand that telephone calls to my Broker/Dealer may be recorded, and I
                                                                                           all written or other notices, including margin maintenance calls, if
hereby consent to such recording. Reports of executions of orders and
                                                                                           applicable, with respect to my (our) account to my Broker/Dealer. Any
statements of my account shall be conclusive if not objected to in writing within
                                                                                           such communications delivered to my Broker/Dealer shall be deemed to
five (5) days and ten (10) days, respectively, after transmitted to me by mail or
                                                                                           have been delivered to me (us). I (We) agree to hold you harmless from
otherwise.
                                                                                           and against any losses, costs or expenses arising in connection with the
I understand that it is my responsibility to read the prospectus for any                   delivery or receipt of any such communication(s), provided you have
mutual fund into which I purchase or exchange. I have received and read                    acted in accordance with the above. The foregoing shall be effective as
the prospectus for the mutual fund in which I am investing — including,                    to my (our) account until written notice to the contrary is received by
but not limited to, any mutual fund that I choose for my Core Fund — and                   you and my Broker/Dealer.
I agree to the terms of the prospectus and the Core Account section of
the Customer Agreement.



 If I am a U.S. citizen, U.S. resident alien or other U.S. person, I certify under penalties of perjury that: (1) the Social Security Number or
 Taxpayer Identification Number that I provided on this application is correct (or I am waiting for a number to be issued to me); and (2) I
 am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal
 Revenue Service (IRS) that I am subject to backup withholding for failure to report all interest or dividends, or (c) the IRS has notified me
 that I am no longer subject to backup withholding; and (3) I am a U.S. citizen or other U.S. person, including a U.S. resident alien.
     If you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest
     and dividends on your tax return, check this box to indicate that you do not certify item 2 above.
 If I am not a U.S. citizen, U.S. resident alien or other U.S. person, I am submitting the applicable Form W-8 with this form to certify my
 foreign status and, if applicable, claim tax treaty benefits.



  Pre-Dispute Arbitration                                                                 The Internal Revenue Service does not require your consent to
  This account is governed by a pre-dispute arbitration clause, which appears             any provision of this document other than the certifications
  on the last page of the Client Agreement, and you acknowledge that you                  required to avoid backup withholding.
  have received a copy of this clause.



Signature and Date are required.
  SIGNATURES. All account holders (owners and authorized individuals) must sign and date in accordance with the signature requirements outlined in the
account’s supporting documents.



X   1. SIGNATURE                                                        DATE mm/dd/yyyy
                                                                                           X   4. SIGNATURE                                                 DATE mm/dd/yyyy


X  2. SIGNATURE                                                         DATE mm/dd/yyyy
                                                                                           X   5. SIGNATURE                                                 DATE mm/dd/yyyy



X                                                                                          X   6. SIGNATURE                                                 DATE mm/dd/yyyy
    3. SIGNATURE                                                        DATE mm/dd/yyyy




              For Branch Use Only



              REGISTERED REP. NO./NAME                                    SIGNATURE                                                         DATE mm/dd/yyyy




              OFFICE MANAGER/PRINCIPAL NAME                               SIGNATURE                                                         DATE mm/dd/yyyy



            National Financial Services LLC, Member NYSE, SIPC                                                                 1.828245.101 - 410294.3.0 (01/08)



                                                                                      6                                                                            Clear Form
BROKERAGE ACCOUNT CUSTOMER AGREEMENT

                                                          • to understand that, whenever you invest in, or             transfers (EFTs), which work like an electronic check.
  This is the agreement for your brokerage                  exchange into, any mutual fund (including any fund         These features are optional and require separate
  account. It describes the features and policies           chosen for your core account), you are responsible         instructions from you, which we will relay to NFS.
  associated with the account. Please review this           for obtaining and reading that fund’s prospectus,
  document and keep it for your records. Do not             including its description of the fund, the fund’s fees     Dividend Reinvestment
  return it with your application.                          and charges, and the operation of the fund
  Who’s Who in This Agreement                             • to notify us in writing any time there is a material       In addition to reinvestment of mutual fund dividends,
                                                            change in your financial circumstances or                  reinvestment of dividends from eligible equities and
  In this document, “us,” “we,” and “our” refer to          investment objectives                                      closed-end funds is an option for most accounts,
  your broker/dealer. “NFS” is National Financial         • to comply with all applicable laws and regulations         including retirement accounts and those with margin.
  Services LLC, a NYSE member, whom we have                 concerning trading in restricted securities and            You can choose to have the service apply to all eligible
  engaged to provide custody and clearing                   securities of issuers of whom you are an affiliate         securities in your account, or only to certain ones,
  services for us.                                        • to be bound by the current and future terms of             although during the time when a security is enrolled for
  The terms “account owner,” “you,” and “your”              this agreement, from the time you first use your           reinvestment, all of that security’s eligible distributions
  refer to the owner(s) indicated on the account            account or sign your application, whichever                must be reinvested through this service.
  application. For joint accounts, these terms refer        happens first                                              With certain securities (such as mutual funds), the
  to all owners, collectively and individually. For                                                                    reinvestment options available in this account may be
  accounts owned by entities, such as trust or                                                                         different than those you would have if you were to
  business accounts, these terms refer both to the         ACCOUNT FEATURES                                            invest directly with the issuer.
  entity and to all account holders.
                                                          Core Account and Income Account                              Margin Account (Requires Separate Application)

                                                          Your account includes a core account that is used for        A margin account lets you borrow money from NFS,
COMMITMENTS BETWEEN YOU AND US                            settling transactions and holding credit balances.           using as collateral eligible securities that are in your
                                                          Amounts credited to your core account will be invested       account. A margin account is designed primarily to
Our Commitments to You                                    in the core account investment vehicle you indicate on       finance additional purchases of securities, although it
                                                          your account application. If you do not choose a core        can also provide overdraft protection for your cash
When we accept your account application, we are           account investment vehicle, we may invest your credit        management activities. Consult one of our
agreeing to serve as your broker and to maintain an       balance in the money market fund or taxable interest-        representatives for information on how to establish
account for you. We agree, subject to our acceptance      bearing credit account of our choice.                        margin and the benefits and risks it offers.
of an authorized order, to buy, sell, or otherwise        Your account also includes an income account, which
dispose of securities for you according to your           receives all non-reinvested income produced by                ACCOUNT REGISTRATION
instructions. We and NFS also agree to provide            securities held in your account (such as interest,
various services and features, as described below.        dividends, and mutual fund distributions). Income paid
Note that NFS has no fiduciary responsibilities           into this account will accrue until paid out according       Joint Registration
to you or this account, and does not offer any            to your instructions.
tax, legal, or investment advice, or opinions on                                                                       With joint registration accounts, any obligations or
the suitability of any investment in connection           Statements                                                   liabilities resulting from one account owner’s actions are
with this account.                                                                                                     joint and several (in other words, are the responsibility of
                                                          NFS will send to the address of record a statement of        each account owner, both individually and jointly). We or
Your Commitments to Us                                    account:                                                     NFS may enforce this agreement against all account
                                                                                                                       owners or against any owner individually.
                                                          • every calendar quarter, at a minimum
Many of these commitments are spelled out more                                                                         Each owner of a joint account may act as if he or
completely on the following pages, but in general,        • for any month when you have trading or cash
                                                            management activity                                        she were the sole owner of the account, with no
when you sign the account application, you agree                                                                       further notice or approval necessary from any joint
to the following:                                         Your account statements will show all activity in your       owner. For example, a joint owner can — in
• to accept full responsibility for the content and       account for the stated period, including securities          his or her own name — write checks, buy and sell
  accuracy of all authorized instructions placed          transactions, cash and margin balances, credits and          securities, withdraw or transfer assets, borrow against
  on your account, and for all results and                debits to your core account, and all fees paid directly      the account (such as through short sales or margin),
  consequences of these instructions; this includes       from your account.                                           arrange for account statements to be sent only to
  all investment decisions and trading orders, and        NFS will also send confirmation for every securities         them, or change the account’s features and services
  all instructions placed by you or any other person      transaction in your account. The only exceptions are         (although no account owner may remove another’s
  you authorize                                           automatic investments, automatic withdrawals, dividend       name from the account).
• to pay all fees, charges, and expenses incurred         reinvestments, transfers to other accounts, and              In addition, with joint accounts, the principle
  in your account                                         transactions that involve only your core account; for        of “notice to one is notice to all” applies. We or
• to maintain enough assets in your account to            these activities, your regular account statement serves in   NFS are legally considered to have fulfilled an
  satisfy all obligations as they become due, and to      place of a confirmation.                                     obligation to you and the account if we fulfill it with
  authorize us or NFS to take whatever steps we or                                                                     respect to just one account owner (for example,
  NFS may consider necessary to resolve unpaid            Account Protection                                           sending statements or other required communications
  debts or other obligations                                                                                           to just one account owner).
• if you choose a mutual fund for your core account,      The securities in your account are protected in              Note also that neither we nor NFS has any obligation
  to authorize liquidating shares of that account to      accordance with the Securities Investor Protection           to question the purpose or propriety of any
  satisfy any and all debits against your account         Corporation (SIPC) for up to $500,000 (including             instruction of a joint account owner that appears to
• to use the account and its features according to this   up to $100,000 for uninvested cash). NFS also                be authentic, or to let other owners know about any
  agreement                                               has arranged for additional coverage above these             changes an owner has made to the account, unless
                                                          limits. Neither coverage protects against a decline          we have received written notice to the contrary, in good
• to let us or NFS monitor and/or record any phone
                                                          in the value of your securities, nor does either coverage    order, from another account owner. We and NFS do
  conversations with you
                                                          extend to certain securities that are considered             each reserve the right to require, at any time, the
• to let us or NFS verify the information you provide     ineligible for coverage.
  and obtain credit reports and other credit-related                                                                   written consent of all account owners before acting on
  information about you at any time, such as payment      For more details on SIPC, or to request a SIPC               an instruction from any account owner, but we or
  and employment information (whether for margin or       brochure, visit www.sipc.org or call 1-202-371-8300.         NFS will use this right only at our own discretion and
  any other purpose)                                                                                                   for our own protection.
• to let us or NFS share with third parties any           Transferring Money Electronically                            Laws covering joint or community property vary by
  information you provide, but only as required by law                                                                 state. You are responsible for verifying that the joint
  or as permitted by our and/or NFS’s privacy policy      Options for transferring cash in and out of your core        registration you choose is valid in your state. You may
• to resolve disputes concerning your relationship        account electronically include wires, which use the          want to consult your lawyer about this. Generally, for
  with us or NFS (other than class actions) through       Federal Reserve wire system, and electronic funds            joint tenants with rights of survivorship and tenants by
  arbitration rather than in a court of law                                                                            the entirety, on the death of an account owner the entire




                                                                                      7
interest in the account goes to the surviving account         Capital Preservation                                        Credit balances in your income account may earn
owner(s), on the same terms and conditions. For               • seek to maintain principal                                taxable interest, the rate of which is determined by NFS
tenants in common, a deceased account owner’s                 • interested in investments with very low historical        or us and may change at any time without notice to you.
interest (which equals that of the other account                risk of loss of principal                                 Any income account interest will be based on the daily
owner(s) unless specified otherwise) goes to that                                                                         averaging of income account credit balances during the
account owner’s legal representative. Tenants in                Typical Investments                                       interest period and, as long as it amounts to at least
common are responsible for maintaining records of             • money market funds                                        one cent, is paid on the first business day following
the percentages of ownership.                                 • high quality short-term fixed income investments          the 20th day of each month and reflected
                                                              Income                                                      on your month-end statement. Note that free credit
Transfer on Death Registration                                                                                            balances in your core account and income account will
                                                              • seek to generate income from investments                  not be combined to determine your interest earnings in
With transfer on death (“TOD”) registration, you              • interested in investments with low historical risk of     either account.
designate a beneficiary or beneficiaries who will receive        loss of principal
all monies, securities, or other assets held in your            Typical Investments                                       Debits to Your Account
account at the time of your death (or upon the death of       • high quality short- and medium-term fixed income
the last surviving account holder, if this is a joint           investments                                               All debits are accumulated daily to your account and
account).                                                     • short-term bond funds                                     are paid to the extent that sufficient funds are
                                                              • covered call options                                      available. As an account owner, you are responsible
You can change your beneficiary designation at any
                                                                                                                          for satisfying all debits on your account, including any
time by filling out a new Beneficiary Designation form.
                                                              Capital Appreciation                                        debt still owed after all assets have been removed
We will rely on the latest Beneficiary Designation in our
                                                              • seek to grow principal value over time                    from an account, any interest (at prevailing margin
possession. You cannot change your beneficiary by will,
                                                              • willing to invest in securities with moderate to          rates) that has accrued on that debt, any late charges
codicil, or trust or other testamentary document. If we
                                                                above-average historical risk of loss of principal        arising from your failure to pay for securities
consider it necessary, we may request additional
                                                                                                                          transactions in full by the settlement date, and any
documents from any beneficiaries before we transfer             Typical Investments                                       costs (such as legal fees) that we or NFS incur in
assets to them from your account. Note that although          • common stocks                                             collecting the debt.
NFS may hold in a nominee name securities that are in
                                                              • lower quality medium-term fixed income investments
a TOD account, NFS has no responsibility to determine                                                                     When multiple debit items become payable at
the registration or ownership of the account as a whole,      • equity mutual funds or index funds                        the same time, these items will be paid in the
either before or after your death.                            Speculation                                                 following order:
Note that Per Stirpes designation rules may vary from         • seek a significant increase in principal                  • securities transactions (including any margin
state to state. It is your responsibility to consult with     • willing to accept a correspondingly greater degree            calls) and any account fees
an estate planning attorney to determine whether                of risk by investing in securities with high historical   • debit card transactions
this designation is available and/or appropriate. By            risk of loss of principal                                 • checks written against your account
checking the Per Stirpes box associated with a given
                                                                Typical Investments                                       When settling debits against your account, it is NFS’s
beneficiary, you are agreeing that if that beneficiary
predeceases you, his or her share of the account will         • lower quality long-term fixed income investments          policy to turn to the following sources (collectively called
pass through to his or her descendants as determined          • initial public offerings (IPOs)                           your “available balance”), in this order:
by state law.                                                 • volatile or low-priced common stocks                      • any cash available in your account without
                                                              • equity or index options strategies such as puts or           incurring margin interest charges (including both
If more than one person is named and no share                                                                                core and income account balances)
                                                                calls, spreads, straddles, and combinations
percentages are indicated, payment will be made, in
                                                              • short-term or day-trading strategies                      • if you have a margin account, any margin
equal shares, to your primary beneficiary or
                                                                                                                             credit available
beneficiaries who survive you. If a percentage is             Trading Profits
indicated for a primary beneficiary who does not survive                                                                  • any shares in another money market fund, including
                                                              • seek to take advantage of short-term trading                 any in another non-retirement account with the same
you, and if you have not checked the Per Stirpes box,           opportunities (a high-risk strategy)
the percentage of that beneficiary’s designated share                                                                        registration (which you authorize us to sell for this
will be divided equally among the surviving primary             Typical Investments                                          purpose when you sign the application)
beneficiaries. If there is no primary beneficiary living at   • short-term purchases and sales of volatile or low-        • any securities in this or any other account furnished
the time of your death, you hereby specify that the             priced common stocks                                         by us in which you have an interest
balance is to be distributed to the contingent beneficiary    • equity or index options strategies such as puts or        Interest on any margin debt will accrue beginning the
or beneficiaries listed.                                        calls, spreads, straddles, and combinations               day credit is extended and is subject to the terms of the
Neither we nor NFS will advise you on whether TOD                                                                         Supplemental Application for NFS Margin Account
registration is appropriate for your tax or estate planning                                                               Privileges. Money market fund shares used to pay
                                                                  POLICIES ON TRANSACTIONS                                debits are redeemed at the NAV in effect at the time
purposes. Registering a securities account in TOD form
is legal only in certain states, so it is important to                                                                    (typically $1.00). For disclosures concerning money
consult your own legal or tax advisor before establishing     Credits to Your Account                                     market funds, see “Money Market Fund Investments”
or revoking a TOD registration.                                                                                           later in this agreement.
                                                              Any new deposits (including checks) and any proceeds
Custodial Registration                                        from transactions are credited promptly to your core        Resolving Unpaid Debts
                                                              account.                                                    or Other Obligations
For accounts opened under the Uniform Gifts/Transfers         If you have a money market fund for your core account,
to Minors Acts, you, the account owner, are the               all core account credits will be swept automatically into   If your available balance is not enough to satisfy a given
custodian. By opening this type of account, you               that fund — daily for amounts of $1.00 or more, weekly      debit, we and NFS reserve the right to take action as
agree that all assets belong to the minor and that you        for lesser amounts. All core fund investments must meet     we see fit, including any of the following:
will only use them for the minor’s benefit — even after       the fund’s investment minimums. Money in the core           • decline to honor the debit, which may result in
the assets have been removed from the account.                fund earns dividends, as described in the fund’s                fees (such as a returned check fee) or other
                                                              prospectus. If in the future you have a different money         consequences for you
                                                              market fund for your core account, these provisions will    • if you have a margin account and the unsatisfied
 INVESTMENT OBJECTIVES                                        still apply.                                                    debit is for a securities purchase, draw on the
Below are five common investment objectives. As               If you have a taxable interest-bearing credit account           available balance of another account of yours that
the account owner, it is up to you to select the              for your core account, your core account credits                we hold
account’s investment objective. Neither we nor NFS            (which are considered cash balances awaiting                If you have a margin account, we or NFS may
can assure you that any given investment or strategy          reinvestment) may earn interest, at our discretion. The     transfer to that account any unresolved debit from
will achieve your investment objective. Note that the         rate of any interest paid, as well as any minimums          other accounts of yours.
typical investments listed are only examples of the           that may apply, is determined by NFS or us and may
types of investments historically associated with each                                                                    Note that at any time, we or NFS may reduce your
                                                              change at any time without notice to you. To learn more,
objective. Also note that the options strategies listed                                                                   available balance based on obligations that have been
                                                              speak to one of our representatives.
under Trading Profits and Speculation require margin                                                                      incurred but not yet debited.
                                                              Note that while incoming checks will begin to earn
(which requires a separate application and                                                                                It is important to understand that we and NFS have
                                                              dividends or interest upon deposit, you may have to
is not available on retirement accounts).                                                                                 additional choices for resolving unsatisfied obligations.
                                                              wait up to four days before being able to draw on the
                                                              proceeds (regardless of your core account vehicle).         Like many other securities brokers, we and NFS
                                                                                                                          reserve the right to sell, transfer, or otherwise use any
                                                                                                                          assets or other property in which you have an interest —
                                                                                                                          either currently or at any other time — to discharge any




                                                                                          8
obligations you may have to us or NFS (including               Dividends are reinvested on shares that satisfy all of the   MONITORING YOUR ACCOUNT
unmatured and contingent obligations), and to do so            following:
without further notice or demand. For example, if you                                                                       As an account owner, you are responsible for
                                                               • the security is eligible
have bought securities but not paid for them, we or                                                                         monitoring your account. This includes making sure
                                                               • you own the shares on the dividend record date             that all transactions are accurate and that you are
NFS may sell them ourselves and use the proceeds
to settle the purchase.                                        • you own the shares on the dividend payable date (or        receiving confirmations, account statements, and any
                                                                 the posting date, for shares handled through the DTC       other expected communications. It also includes
We or NFS may also use property to satisfy a margin              program described below), even if you sell them that       reviewing these documents to see that information
deficiency or other obligation, whether or not we or             day                                                        about your account is accurate and contains nothing
NFS have made advances in connection with this                 • your position in the security has been settled on or       suspicious. You understand that NFS does not
property. This provision extends to any property held            before the record date                                     monitor your account for you and has no duty to
by you or carried for any account of yours, including          • the shares are designated for reinvestment as of           advise you of any issue regarding your account or
any credit balances, assets, and contracts, as well as           9:00 p.m Eastern Time on the record date (or, if the       us.
shares of any mutual funds or other investment                   record date is not a business day, then the last
companies for which we, NFS, or an affiliate of either                                                                      So long as we or NFS send communications to you at
                                                                 business day before the record date)
one provides management or administrative services.                                                                         the physical or electronic address of record given on the
Although we or NFS may use other methods when                  If you designate securities on an account-wide basis,        application, or to any other address given to us by an
we determine they may be more appropriate, we or               any ineligible securities you own will automatically be      owner, the communications are legally presumed to
NFS reserve the right to use the provisions described          designated if and when they become eligible.                 have been delivered, whether you actually received
in this section at any time, except in cases involving                                                                      them or not. In addition, confirmations are legally
                                                               If you designate securities individually, and want to
retirement accounts when these provisions would                                                                             presumed to be accurate unless you specifically tell us
                                                               designate a new security you are buying, you can do so
conflict with the Employee Retirement Income Security                                                                       otherwise within five days of when they were sent to
                                                               when you place your order to buy the security; however,
Act of 1974 (ERISA) or the Internal Revenue Code of                                                                         you; account statements, within ten days.
                                                               if you are buying through a limit order, you will have to
1986, both as amended.                                         reconfirm the designation at the end of every business       If you have not received a communication you
                                                               week that your order remains unfilled.                       expected, or if you have a question or believe you
Transaction Settlement Deadlines                                                                                            have found an error in any communication from
                                                               If an issuer delays a dividend, the reinvestment will
                                                                                                                            us, telephone us immediately, then follow up with
Unless notified to the contrary, you need to pay for           occur on the day the dividend is actually paid.
                                                                                                                            written notice.
all transactions by 2 p.m. Eastern Time on the                 Automatic reinvestments often involve purchase of
settlement date, and deliver all securities in time for        partial shares, calculated to three decimal places.
us to receive them one business day before the                 Partial shares pay pro-rated dividends and can be            LIMITS OF RESPONSIBILITY
settlement date. We and NFS reserve the right to               sold if you sell your entire share position, and will be
cancel or liquidate, at your risk, any transaction not         liquidated automatically in transfers and certain other      Although all entities that provide services to your
settled in a timely way.                                       situations, but otherwise typically cannot be sold.          account strive to ensure the quality and reliability of
                                                                                                                            those services, none of us can be responsible for the
Bank Wires and EFT Transactions                                Although for dividend reinvestments your regular             availability, accuracy, timeliness, completeness, or
                                                               account statement takes the place of a confirmation,         security of any service related to your account.
Bank wire transactions are normally executed the               you can obtain immediate information the day after
                                                               the reinvestment date by contacting us.                      You therefore agree that we and NFS are not
business day after you request them. A wire normally                                                                        responsible for any losses (meaning claims, damages,
may be for between $10,000 and $999,999.                       If you transfer or reregister your account with us (for      actions, demands, investment losses, or other losses, as
EFT transactions are normally executed within three            example, by changing from individual to joint                well as as any costs, charges, attorneys’ fees, or other
to seven business days of your request. An EFT                 registration), you need to re-designate any securities       fees and expenses) that you incur as a result of
transfer may be for between $10 and $99,999. The               whose dividends you want reinvested.                         conditions beyond our control or any agreement
two accounts involved in an EFT transaction must               At our option, we may buy reinvestment shares                between the parties. This includes, for example:
have at least one owner’s name in common (and that             through a program offered by the Depository Trust            • any action that is done in accordance with the
name must match exactly). To send and receive E F T            Company (DTC) that offers a share price discount of            procedures described in this agreement or an
transactions, your bank must be a member of the                up to 5%. To find out which securities are currently           applicable mutual fund prospectus
Automated Clearing House (ACH) system.                         available through the DTC, contact us. Note that the         • the acceptance and processing of any order placed
For EFT transactions, you hereby grant us limited              availability through this program of any given                 on your account, whether received electronically or
power of attorney for purposes of redeeming any                security may change without notice. Also note that             through other means, as long as the order
shares in your accounts (with the right to make any            DTC program transactions take longer to process:               reasonably appears to be authentic
necessary substitutions), and direct us to accept              although the transactions are effective as of the            • investment decisions or instructions placed in your
any orders to make payments to an authorized bank              dividend payable date, they are generally not posted           account, or other such actions attributable to you or
account and to fulfill these orders through the                to your account until 10 to 15 days later. If you sell         any authorized person
redemption of shares in your account. You agree                your dividend-generating shares before the posting
                                                                                                                            • occurrences related to governments or markets,
that the above appointments and authorizations will            date, the dividend will not be reinvested.
                                                                                                                              such as restrictions, suspensions of trading, or high
continue until either the account is terminated, we            To remove securities from the dividend reinvestment            market volatility or trading volumes
receive written notice of any change, or we have sent          service, notify us in writing or during business hours.      • uncontrollable circumstances in the world at large,
30 days’ written notice to your account’s address of           We must receive your notification by 9:00 p.m Eastern          such as wars, earthquakes, power outages, or
record indicating that we will cease to act as agents to       Time one business day before the record date (or, if the       unusual weather conditions
the above appointments.                                        record date is not a business day, then two business         • occurrences related to computers and
                                                               days before the record date).                                  communications, such as a network or systems
Dividend Reinvestment                                                                                                         failure, a message interception, or an instance of
                                                               Note that dividend reinvestment does not assure a profit
                                                               on your investments and does not protect against loss          unauthorized access or breach of security
With this feature, all dividends paid by securities                                                                         • the storage and use of information about you and
                                                               in declining markets.
that you designate for reinvestment are automatically                                                                         your account(s) by our systems and transmission of
reinvested in additional shares of the same security.                                                                         this information between you and us; these
(“Dividends” here means cash dividends and capital
                                                               Precious Metals
                                                                                                                              activities occur entirely at your risk
gain distributions, but not cash-in-lieu payments, late
                                                               Precious metals are not covered by SIPC account              • telephone requests for money transfers, so long as
ex-dividend payments, and special dividend
                                                               protection, but are insured by the depository at               we transmit the proceeds to you or the bank
payments.) In designating any security for
                                                               market value if stored through NFS. When trading               account number identified
reinvestment, you authorize NFS to purchase shares
of that security for your account.                             precious metals, note that because they can                  • any checks or other debits to your account
                                                               experience sudden and rapid price changes, they are            that are not honored because the account has
To be eligible for this feature, a security must satisfy all   risky as investments, and you cannot be guaranteed             insufficient funds
of the following:                                              an advantageous price when you trade them. If you
                                                                                                                            If any service failure is determined to be our
• be a closed-end fund, domestic common stock,                 take delivery of precious metals, delivery charges and
                                                                                                                            responsibility, we will be liable only for whatever
   or ADR                                                      sales and use taxes will apply. Precious metals are not
                                                                                                                            benefit you would have realized up to the time by
• be margin-eligible (as defined by NFS)                       marginable.
                                                                                                                            which you should have notified us, as specified
• be listed on the New York Stock Exchange or the                                                                           earlier in “Monitoring Your Account.”
   American Stock Exchange, or traded on NASDAQ
• be held in street name by NFS (or at a securities
   depository on its behalf)
• not be held as a short position




                                                                                           9
 INDEMNIFICATION                                              If for any reason (such as the termination of a              government agency. Although a money market fund
                                                              contract between us and NFS) your account is held            seeks to preserve the value of your investment at
You agree to indemnify us from, and hold us                   directly by NFS, it may be restricted, and there may be      $1.00 per share, it is possible to lose money by
harmless for, any losses (as defined in Limits to our         new or different fees and commissions. Examples of           investing in a money market fund.
Responsibility) resulting from your actions or                restrictions include the ability to place sell orders only
failures to act, whether intentional or not, including        and the loss of electronic trading.                          USA PATRIOT Act Notice
losses resulting from actions taken by third parties.
Beyond taking reasonable steps to verify the                  Termination                                                  To help the government fight the funding of terrorism
authenticity of instructions, we have no obligation to                                                                     and money-laundering activities, Federal law and
inquire into the purpose, wisdom, or propriety of any         We or NFS can terminate your account or this                 contractual obligations to NFS require that we verify
instruction we receive.                                       agreement at any time, for any reason, upon written          your identity by obtaining your name, date of birth,
                                                              notice to you. You can close your account, or                address, and a government-issued identification number
                                                              terminate any optional feature, by notifying us in           before opening your account. In certain circumstances,
 TERMS CONCERNING THIS AGREEMENT                              writing or calling us on a recorded line. When an            we may obtain and verify this information with respect to
                                                              account is closed, all debit cards, checkwriting, and        any person(s) authorized to effect transactions in an
Applicability                                                 other features associated with it are terminated.            account. For certain entities, such as trusts, estates,
                                                              Regardless of how or when your account is closed, you        corporations, partnerships, or other organizations,
This agreement is the only agreement between you and          will remain responsible for all unpaid obligations of your   identifying documentation is also required. Your account
us concerning its subject matter, and covers all              account. This includes charges, debit items, or other        may be restricted and/or closed if we or NFS cannot
brokerage accounts that you, at whatever time, open,          transactions you initiated or authorized, whether arising    verify this information. Neither we nor NFS will be
reopen, or have opened with us. In addition, if you have      before or after termination, as well as any fees incurred    responsible for any losses or damages (including, but
already entered into any agreements concerning                but not yet charged to your account. Payment for these       not limited to, lost opportunities) resulting from any
services or features that relate to this account, or if you   obligations will be deducted from your final account         failure to provide this information, or from any restriction
do so in the future, this agreement incorporates by           balance.                                                     placed upon, or closing of, your account.
reference the terms, conditions, and policies of those
agreements. In the case of any conflict between this
agreement and an agreement for a particular service or         NOTICES AND DISCLOSURES
feature, the service or feature agreement will
prevail.                                                      Account Administration
Governing Laws and Policies                                   New York Stock Exchange Rule 382 requires that we
                                                              identify the various account administration functions that
This agreement and its enforcement are                        we and NFS each agree to perform. Below is a
governed by the laws of the Commonwealth of                   summary of this information; for a more complete
Massachusetts, except with respect to its                     description, contact us.
conflicts-of-law provisions.
                                                              As your broker/dealer, we will:
All transactions through NFS are subject to the rules,
guidelines, and customs of the marketplace where they         • open, approve, and monitor your brokerage account
are executed, and those of any clearing facility NFS          • transmit accurate, timely instructions to NFS
may use, as well as applicable state and federal laws            regarding your brokerage account
and any NFS trading policies and limitations that are in      • determine the suitability of any investment
effect at the time.                                              recommendations and advice
                                                              • operate your brokerage account in compliance with
Modification and Enforcement                                     applicable laws and regulations
                                                              • if you have a margin account, advise you of margin
We may amend this agreement at any time. This may                requirements and ensure that your account remains
include changing, dropping, or adding fees and                   in compliance with all applicable federal, industry,
policies, changing features and services or the                  and NFS margin requirements
entities that provide them, and limiting the usage or         • maintain proper books and records of all services
availability of any feature or service, within the limits        we perform for you
of applicable laws and regulations. Although it is our        At our direction, NFS will:
policy to send notice to account owners of any
material changes, we are not obligated to do so in            • execute, clear, and settle transactions that we
most cases. Outside of changes originating in these             process through them
ways, no provision of this agreement can be                   • send you transaction confirmations and periodic
amended or waived except in writing by one of our               brokerage account statements, if we don’t do
authorized representatives.                                     this ourselves
                                                              • act as custodian for all funds and securities they
We or NFS may transfer our interests in this account
                                                                receive on your behalf
or agreement to any of our successors and assigns,
whether by merger, consolidation, or otherwise. You           • carry out our instructions regarding the
may not transfer your interests in your account or              transactions, and the receipt and delivery of
agreement except with our prior written approval, or            securities, on your brokerage account
through inheritance, corporate dissolution, or similar        • extend margin credit, if you have applied, and been
circumstance, as allowed by law, in which case any              approved, for margin borrowing
rights and obligations in existence at the time will          • maintain proper books and records of all services
accrue to, and be binding on, your heirs, executors,            they perform in connection with your account
administrators, successors, or assigns.                       Note that NFS may not have verified certain pricing
We or NFS may enforce this agreement against any              information that we or third parties provide to you. For
and all account owners. Although we or NFS may not            more information on the allocation of services, speak
always enforce certain provisions of this agreement,          with one of our representatives.
both parties retain the full right to do so at any time.
If any provision of this agreement is found to be in          Credit-Related Information
conflict with applicable laws, rules, or regulations,
either present or future, that provision will be enforced     For the name and address of any credit reporting
to the maximum extent allowable, or made to                   agency from whom we or NFS has obtained information
conform, as the case may be. However, the                     about you, send a written request to us or the card
remainder of this agreement will remain fully in effect.      issuer, as applicable.

                                                              Money Market Fund Investments

                                                              An investment in a money market fund is neither
                                                              insured nor guaranteed by the Federal Deposit
                                                              Insurance Corporation (FDIC) or any other U.S.




                                                                                         10
  Resolving Disputes — Arbitration
  This agreement contains a pre-dispute arbitration clause. Under this clause, which becomes binding on all parties when you sign your account application, you, we,
  and NFS agree as follows:
  A. All parties to this agreement are giving up the right to sue each other in court, including the right to a trial by jury, except as provided by the rules of the
     arbitration forum in which a claim is filed.
  B. Arbitration awards are generally final and binding; a party’s ability to have a court reverse or modify an arbitration award is very limited.
  C. The ability of the parties to obtain documents, witness statements, and other discovery is generally more limited in arbitration than in court proceedings.
  D. The arbitrators do not have to explain the reason(s) for their award.
  E. The panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with the securities industry.
  F. The rules of some arbitration forums may impose time limits for bringing a claim in arbitration. In some cases, a claim that is ineligible for arbitration may
     be brought in court.
  G. The rules of the arbitration forum in which the claim is filed, and any amendments thereto, shall be incorporated into this agreement.
  All controversies that may arise between you, us and NFS concerning any subject matter, issue or circumstance whatsoever (including, but not
  limited to, controversies concerning any account, order or transaction or the continuation, performance, interpretation or breach of this or any
  other agreement between you, us and NFS, whether entered into or arising before, on or after the date this account is opened) shall be determined
  by arbitration in accordance with the rules then prevailing of the Financial Industry Regulatory Authority (FINRA) or any securities self-regulatory
  organization or securities exchange of which the person, entity or entities against whom the claim is made is a member, as you may designate.
  If you designate the rules of a self-regulatory organization or securities exchange and those rules fail to be applied for any reason, then you
  shall designate the prevailing rules of any other securities self-regulatory organization or securities exchange of which the person, entity or
  entities against whom the claim is made is a member. If you do not notify us in writing of your designation within five (5) days after such failure
  or after you receive from us a written demand for arbitration, then you authorize us and/or NFS to make such designation on your behalf. The
  designation of the rules of a self-regulatory organization or securities exchange is not integral to the underlying agreement to arbitrate. You understand
  that judgment upon any arbitration award may be entered in any court of competent jurisdiction.
  No person shall bring a putative or certified class action to arbitration, nor seek to enforce any predispute arbitration agreement against any person
  who has initiated in court a putative class action; or who is a member of a putative class action who has not opted out of the class with respect to
  any claims encompassed by the putative class action until: (i) the class certification is denied; or (ii) the class is decertified; or (iii) the customer is
  excluded from the class by the court. Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this
  agreement except to the extent stated herein.




National Financial Services LLC, Member NYSE, SIPC                                                                                          1.831975.101 - 432682.3.0 (12/07)




                                                                                    11
Disclosure of Credit Terms on Transactions                                                                                                                Customer Copy
Please keep this document for your records

Dear Customer:                                                                                  value of the securities in the account in excess of the debit balances) falls below our
                                                                                                margin maintenance requirements, which may change from time to time without
Securities and Exchange Commission Rule 10b-16 requires a broker who extends                    notice. We retain the right to require additional margin any time we deem it
credit to a customer in connection with any security transaction to furnish the                 desirable. Margin calls can be met by delivery of cash or additional securities.
customer specified information describing the terms, conditions and methods
pursuant to which interest charges are made to customers’ accounts. This statement              Other Charges. Separate charges at an annual rate of 2.5% above NFBLR may be
is sent to you in conformity with that rule.                                                    made in the Type 1-Cash Account in connection with:
Interest will be charged on all accounts for any credit extended to or maintained for           a)   Prepayments (by approval only) — payments to a customer of the proceeds of
customers by the firm for the purpose of purchasing, carrying or trading in securities               a security sale before the regular settlement date.
or otherwise.
                                                                                                b)   “When-Issued” transactions — when the market price of the “when-issued”
The annual rate of interest you will be charged may vary from a minimum of .50% to                   security deteriorates from the customer’s contract price by an amount that
a maximum of 2.50% above the National Financial Base Lending Rate (“NFBLR”),                         exceeds the customer’s cash deposit, interest may be charged on such excess.
depending upon the amount of your average debit balance. The NFBLR is set at the
                                                                                                c)   Late payments — payments for securities purchased which are received past
discretion of NFS with references to commercially recognized interest rates, industry
                                                                                                     settlement date.
conditions regarding the extension of margin credit, and general credit conditions.
                                                                                                Interest Computation. Interest on debit balances is computed by multiplying the
Current rates are as follows:
                                                                                                average daily debit balance of the account by the applicable interest rate in effect
          Average Debit Balance              Interest to be Charged Above                       and dividing by 360, times the number of days a daily debit balance was maintained
                                                          NFBLR                                 during the interest period. Interest charged during the interest period is the total of
            $0 — $9,999                                   2.50%                                 such daily computations. The daily debit balance of the account is the aggregate
            $10,000 — $24,999                             2.25%                                 daily debit balance for all accounts other than your Type 3-Short and Type 9-Income
            $25,000 — $99,999                             1.25%                                 Accounts.
            $100,000 — $499,999                           0.75%                                             Example: NFBLR of 8% — Applicable Interest Rate 10.5%
            $500,000 and over                             0.50%
                                                                                                                Date                              Daily Debit Balance
In determining the daily debit balance and the resulting rate of interest we will                              June 17                                  $     0
combine the margin account balances in all accounts, except Type 3-Short Accounts                              June 18                                    5,000
and Type 9-Income Accounts. Interest is then computed for each account based on                                June 19                                   10,500
the rate resulting from averaging the daily debit balances during the interest period.                         June 20                                    8,000
Your rate of interest will be changed without notice in accordance with changes in                         Total of 3 Days                              $23,500
the NFBLR and in your average debit balance. When your interest rate is to be
increased for any other reason, you will be given at least 30 days’ written notice. If          $23,500 divided by 3 equals 7,833 (daily average balance), times 10.5% (applicable
NFBLR is expressed as a range, NFS may apply the highest end of the range.                      rate) divided by 360 equals $2.28 (the daily interest charge), times 3 (the number of
                                                                                                days account had a net debit balance during the interest period) equals an interest
Your monthly statement will show the dollar amount of interest and the interest rate
                                                                                                charge of $6.85.
charged to your account. There will be no interest charge reflected on your
statement if your monthly charge is less than $1.00. An interest cycle will cover the           Marking to Market. The credit balance in the Type 3-Short Account will be
period beginning with the first business day following the 20th of each month.                  decreased or increased in accordance with the corresponding market values of all
                                                                                                short positions. Corresponding debits or credits will be posted to the Type 2-Margin
All securities or other property held by us in any of your accounts are collateral for
                                                                                                Account. These entries in the Type 2-Margin Account will, of course, affect the
any debit balances. A lien is created by those debits to secure the amount of money
                                                                                                balance on which interest is computed. Credits in your Type 3-Short Account, other
owed to us. This means securities in any of your accounts can be sold to reduce or
                                                                                                than Marking to Market, will not be utilized to offset your Type 2-Margin Account
liquidate entirely any debit balances in your accounts, as authorized in your Margin
                                                                                                balance for interest computation.
Account Agreement.
If there is a decline in the market value of the securities which are collateral for your
debits, it may be necessary for us to request additional margin. Ordinarily, a request
for additional margin will be made when the equity in the margin account (the market



    Notice to Customers
    New York Stock Exchange Rule 382 requires that your Broker/Dealer and NFS allocate between them certain functions regarding the administration of your
    brokerage account. The following is a summary of the allocation services performed by your Broker/Dealer and NFS. A more complete description is available upon
    request.
    Your Broker/Dealer is responsible for: (1) obtaining and verifying brokerage account information and documentation, (2) opening, approving and monitoring your
    brokerage account, (3) transmitting timely and accurate instructions to NFS with respect to your brokerage account, (4) determining the suitability of investment
    recommendations and advice, (5) operating and supervising your brokerage account and its own activities in compliance with applicable laws and regulations,
    including compliance with margin rules pertaining to your margin account, and (6) maintaining of required books and records for the services it performs.
    NFS shall, at the direction of your Broker/Dealer: (1) execute, clear and settle transactions processed through NFS by your Broker/Dealer, (2) prepare and send
    transaction confirmations and periodic statements of your brokerage account (unless your Broker/Dealer has undertaken to do so). Certain pricing and other information
    may be provided by your Broker/Dealer or obtained from third parties, which has not been verified by NFS, (3) act as custodian for funds and securities received by
    NFS on your behalf, (4) follow the instructions of your Broker/Dealer with respect to transactions and the receipt and delivery of funds and securities for your brokerage
    account, and (5) extend margin credit for purchasing or carrying securities on margin. Your Broker/Dealer is responsible for ensuring that your brokerage account is in
    compliance with federal, industry and NFS margin rules, and for advising you of margin requirements. NFS shall maintain the required books and records for the services
    it performs.




National Financial Services LLC, Member NYSE, SIPC                                                                                                 1.815882.101 - 402086.2.0 (08/07)


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