BY SIGNING BELOW, CLIENT ACKNOWLEDGES THAT CUENT HAS RECEIVED, READ AND AGREES TO THE TERMS OF THIS MARGIN AGREEMENT. INCLUDING THE MARGIN DISCLOSURE. This Agreement is subject to the Pre-Dispute Arbitration Clause in Section III, page 5, of the Account Agreement. Account Number Individual orjoint account OF THIS IS ANOINT ACCOUNT, ALL ACCOUNT OWNERS MUST SIGN): Signature Date Print Name SSN/EIN Signature Date Print Name SSN/EIN Signature Date Print Name SSN/EIN Corporation, partnership, trust or other entity: CONFIRMATION OF AUTHORITY TO BORROW: If this is an agreement for a trust, other fiduciary account or other non-natural person's) account, the authorized person hereby certifies and represents that the use of a margin account and specifically the borrowing, lending and pledging of Securities and Other Property as described herein and in the Margin Section is in accordance with and authorized by the provisions of the trust or other instrument and Applicable Law governing the r J. Epstein Virgin Islands Foundation, Inc Name of Entity Emp Signature of Officer. Penner, Trustee, Authorized Party Date Print Name/Title Signature of Officer, Partner, Trustee, Authorized Party__ Print Name/Title Signature of Officer, Partner, Trustee, Authorized Party_ , Print Name/Title Dar pat' , FOR OFFICE USE ONLY Branch Manager approval for margin accounts: Signature Date 14 CONFIDENTIAL — PURSUANT TO FED. R. CRIM. P. 6(e) CONFIDENTIAL 13•AWM•0196 012145 032813 DB-SDNY-0104317 SDNY_GM_00250501 EFTA01449065