EPSTEIN
page 3 / 388 . OCR, unverified
Property in the possession or control of DBSI, any of its Affiliates or Pershing, in which Client has an interest (held
individually, jointly or otherwise) (collectively all such Securities and Other Property are referred to herein as
"Collateral") in order to secure any and all indebtedness or any other obligation of Client to DBSI and its Affiliates or
Pershing (collectively, all such obligations are referred to herein as the "Obligations"). Clients who are joint
accountholders (Joint Accountholders) acknowledge and agree that pursuant to the lien to DBSI and Affiliates, the
Collateral shall include Securities and Other Property held in the Account or any other account held by either Joint
Accountholder with DBSI or its Affiliates or Pershing (whether individually, jointly or otherwise) and shall secure any
and all Obligations of each Joint Accountholder to DBSI and its Affiliates or Pershing. With respect to the lien
granted to DBSI and its Affiliates, DBSI (or Pershing, at 0851's instruction) may, at any time and without prior notice,
sell, transfer, release, exchange, settle or otherwise dispose of or deal with any or all such Collateral in order to
satisfy any Obligations. In enforcing this lien, DBSI shall have the discretion to determine what and how much
Collateral to apply for the purposes of the foregoing. Notwithstanding the foregoing, nothing herein shall be deemed
to grant an interest in any Account or assets that would give rise to a prohibited transaction under Section 4975(c)(1)
(B) of the Internal Revenue Code of 1986, as amended, or Section 406(a)(i)(B) of the Employee Retirement Income
Security Act of 1974, as amended. Securities and Other Property held in Client's retirement account(s) maintained by
DBSI, which may include IRAs or qualified plans, are not subject to this lien and such Securities and Other Property
may only be used to satisfy Client's indebtedness or other obligations related to Client's retirement account(s).
13•AWM-0198
012146.032813
CONFIDENTIAL — PURSUANT TO FED. R. CRIM. P. 6(e)
DB-SDNY-0104181
CONFIDENTIAL
SONY GM_00250365
EFTA01448972
--- SOURCE: IMAGES__0074__EFTA01448973.txt ---
METADATA_SOURCE: IMAGES0074
METADATA_FILENAME: EFTA01448973.pdf
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14. Satisfaction of Indebtedness and Assignment of Rights. Client agrees to satisfy, upon demand, any indebtedness,
including any interest and commission charges and to pay the reasonable costs and expenses of collection of any
amount Client owes to DBSI, including reasonable attorneys' fees and court costs. Client agrees that DBSI or
Pershing may execute or assign to each other or any third party any rights or obligations Client granted under this
Account Agreement, including but not limited to the right to collect any Obligations, or liquidate any Securities and
Other Property held in Account(s).
15. Fees. Client understands that DBSI charges an Annual Account Fee for certain accounts and may charge service
fees, processing fees and/or other fees or commissions, for the transactions and other services provided, more fully
described in the Annual Disclosure Statement, at http://www.pwm.db.com/americas/en/annualdisclosurestatement.
html. Client understands that these fees will be charged to Account(s) and authorizes DBSI to deduct such fees from
Client's Account(s).
16. No FDIC Insurance, Not Obligations of Any Bank. Client understands that the assets in Client's Account are subject
to the risk of partial or total loss due to market fluctuations or the insolvency of the issuer(s). The assets in Client's
Account (including all related cash balances and shares of any Mutual Fund) are not deposits or other obligations of
NISI, Deutsche Bank AG, Pershing or any other bank, are not guaranteed by DBSI, Deutsche Bank AG,
Administrator, Bank or any other bank, and are not insured by the Federal Deposit Insurance Corporation (FDIC).
Monies held in the Insured Deposit Program (IDP) may be FDIC insured while those monies are held in a depository
account at a participating bank as described in the IDP Terms and Conditions. Client may from time to time be
offered investment products for which DBSI or Deutsche Bank AG is an obligor. These products may be complex,
may not provide for the retum of the full amount of principal invested or for the payment of a fixed rate of interest
(or any interest) and will not usually be covered by FDIC insurance, unless otherwise disclosed in the written offering
documents for such products.
17. Cash Sweep Selection. Client agrees to contact DBSI regarding the selection of Cash Sweep Options and
understands that Client's choice of Cash Sweep Options may be limited to money market mutual funds or
deposit products that are unaffiliated with DBSI if Client's Account is an individual retirement account or an ERISA
account, or if DBSI is acting as Client's investment adviser. Client understands that any funds Client has on deposit