Financial Services Agreement TD Ameritrade

FINANCIAL SERVICES AGREEMENT — TD AMERITRADE

Parties and Effective Date

This Financial Services Agreement (the "Agreement") is entered into by and between Client Name: and Broker: TD Ameritrade Clearing, Inc., acting on behalf of TD Ameritrade (collectively "Broker"). The effective date of this Agreement is .

Account Information

Individual Joint Tenants Trust Corporation Partnership

Scope of Services

Broker agrees to provide brokerage and custodial services, trade execution, clearance and settlement, custody of assets, and such additional services as agreed in writing. Services may include, but are not limited to:

Brokerage execution and clearance Custody of securities and cash Advisory services Margin lending and securities-based lending

Fees, Commissions and Payment

Client agrees to pay all commissions, fees, interest, and charges applicable to the Account as set forth in the Broker's fee schedule. Broker may debit the Account for fees and charges without prior consent, subject to applicable law.

Late payment or insufficient funds may result in interest charges, liquidations of positions, or other remedial actions as described in Broker's policies. Broker may impose a late fee or finance charge on overdue balances.

Margin, Borrowing and Collateral

If margin services are requested and approved, Client authorizes Broker to extend credit for purchases and to loan securities, and to pledge, repledge, hypothecate, and rehypothecate Account assets as collateral. Client acknowledges receipt of and agreement to margin terms and risk disclosures.

Client elects margin services: Yes No

Representations, Warranties and Covenants

Client represents and warrants that Client has full power, authority and legal capacity to enter into this Agreement; that the information provided is true, correct and complete; and that any person signing on behalf of Client has full authority to bind Client. Client covenants to notify Broker in writing of any change in status or information.

Electronic Communications and Consent

Client consents to receiving communications, disclosures, trade confirmations, account statements, tax documents, and notices electronically to the email or other electronic contact information on file unless Client notifies Broker otherwise. Client may withdraw consent as provided in Broker's policies, subject to reasonable procedures and processing time.

I consent to electronic delivery:

Privacy, Confidentiality and Data Use

Broker will maintain the confidentiality of Client information in accordance with applicable law and Broker policy. Client authorizes Broker to use and disclose Account and transaction information to service providers, clearing agents, regulatory authorities, and other parties as required or permitted by law.

Conflicts of Interest; Best Execution

Broker will use reasonable efforts to seek best execution of orders in light of prevailing market conditions, Client instructions, and Broker's execution policy. Client acknowledges that conflicts of interest may arise and authorizes Broker to act notwithstanding such conflicts where permitted by law and disclosed to Client.

Statements, Reporting and Tax Matters

Broker will provide account statements and confirmations in accordance with its operational schedule. Client is responsible for reviewing reports promptly and notifying Broker of any discrepancies. Broker may report Account activity and tax information to tax authorities as required by law.

Indemnification and Limitation of Liability

Client shall indemnify, defend and hold harmless Broker and its affiliates from any claims, damages, losses or liabilities arising from Client's breach of this Agreement, unauthorized instructions, or failure to comply with applicable law. Broker's liability for loss or damages shall be limited to direct damages resulting from Broker's gross negligence or willful misconduct to the extent permitted by law.

Arbitration; Governing Law

Except as otherwise required by law or agreement, any controversy, claim or dispute arising out of or relating to this Agreement shall be resolved by binding arbitration. This Agreement shall be governed by the laws of the state specified by Broker's policies, except as preempted by federal law.

Termination

Either party may terminate this Agreement upon written notice. Termination does not relieve Client of obligations for transactions initiated prior to termination or for fees, charges, or losses arising from closing or transferring positions. Client agrees to provide at least days' notice where required.

Notices

Amendment and Assignment

Broker may amend terms of this Agreement by notice to Client. Client's continued use of the Account following notice constitutes acceptance of amendments. Broker may assign or transfer its rights and duties under this Agreement to an affiliate or successor without Client consent, provided Client is notified.

Risk Acknowledgment

Client acknowledges that investing in securities, options, margin trading, and similar activities involve substantial risk, including loss of principal. Client has read and understands the risk disclosures provided by Broker and acknowledges that past performance does not guarantee future results.

I acknowledge the risk disclosure:

Special Instructions and Additional Terms

Certifications

By signing below, Client certifies that the information provided is accurate, that Client has received and reviewed the applicable disclosures and agreements governing the Account, and that Client agrees to be bound by the terms of this Agreement, including arbitration provisions and indemnification obligations.

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