Common use of Joint Accounts Clause in Contracts

Joint Accounts. 28.1 This clause 28 applies only where you consist of more than one person such as joint account holders, trustees or personal representatives. 28.2 You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. 28.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 Any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 On the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 This clause 28 applies only where you consist of If we allow the account to have more than one person such as account holder, you can choose how to operate this: (a) each of you can operate and close the account on your own and we won’t check with the other(s) before carrying out any instruction from one of you, including any request for an overdraft. If we agree to provide an overdraft, you’ll each be responsible for repaying it; or (b) all account holders are required to operate and close the account together. If you’re a joint account holdersholder you must select (a) if you want to use the online banking service, trustees Visa Debit cards and phone banking. If you have a joint account and select (b), you’ll only be able to make transactions and operate the account in our branches, or personal representatives. 28.2 by writing cheques. You shall be jointly and severally liable for can choose to change how you operate the obligations of all and any of you under this Agreement account from (a) to (b) by telling us in writing, provided that the account does not belong to a company or in any other dealings between you and us. 28.3 Unless and until we receive written notice signed by trust. However, if you’re asking us to discharge a mortgage, then we’ll require all of you withdrawing plus any guarantor to sign our discharge form. In both cases, each of you are individually responsible for the account and we can recover or varying the same so as to limit such authority to take action against any or all of you. After one of you tells us there’s a specific named individual: 28.3.1 Each joint holder will have authority on behalf of dispute, we’ll need all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice holders to operate the account together. If we’ve been given official evidence that one of you has died, ownership of the account reverts to the other surviving account holder, subject to your agreement terms. Where you have a transaction account, the surviving account holder can continue to use the joint holders; 28.3.2 Any account, however the words ‘Estate of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 Any notice or communication given Late’ will need to one joint holder shall be deemed to be given to all. 28.4 On appear before the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers name of the trustees or amending deceased account holder until the objects of the trust deceased’s estate is finalised and any other documents or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all accounts of the deceased held with us are closed. We may also need you to re-supply your tax file number if you wish to have the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or transaction account name changed into your name after these things take no action on any such instructions until we receive further instructions satisfactory to usplace.

Joint Accounts. 28.1 This clause 28 applies only where you consist of more than one person such as A joint account holdersis a deposit account which is owned by two or more individuals with right of survivorship. You agree that if this Account was opened by two or more individuals it is a joint account unless you have given the Branch written instructions to the contrary. If this is a joint account, trustees you agree that the Named Account Holders may endorse, deposit or personal representatives. 28.2 You shall be jointly and severally liable cash checks which are payable to any or all of the Named Account Holders. Any of the Named Account Holders is authorized to act for the obligations of all others, and the Branch may accept instructions regarding the account from any of you under this Agreement or in the Named Account Holders and provide information regarding the Account to any other dealings between you and us. 28.3 Unless and until we receive written notice signed by all of the Named Account Holders. Each of you withdrawing or varying will be liable to the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority on behalf Branch for all charges and overdrafts created in this Account. In effect, any of all the joint holders to deal with us as fully and completely Named Account Holders may control the Account as if it were the sole owner owned by that Named Account Holder individually. If a check is returned unpaid, each of the account without any notice Named Account Holders is liable to the other joint holders; 28.3.2 Any Branch regardless of who deposited or cashed the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 Any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 On check. Upon the death of any of you, our Agreement the monies on deposit will not terminate but remain binding belong to the surviving title holder(s). The Branch may require the surviving title holder(s) to produce legal documents before releasing the monies on deposit, however, and may condition any such release of monies upon the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers full satisfaction of the trustees requirements of Section 11 of this Agreement. Each Named Account Holder may approve statements of account and issue checks and drafts against the Account, may order payment stopped on any items drawn against the Account, may pledge, assign or amending grant a security interest in the objects Account or any or all amounts therein (whether to secure indebtedness of the trust and any other documents signatory or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders third parties), may obtain information regarding the Account, and may otherwise deal with any securities and other property at any time or times held by the Branch and belonging to any of such conflict you. Although the Branch shall have no obligation to notify any one or inconsistency and / more of you regarding any change to or other action concerning the Account made or taken by another of you, the Branch may, notwithstanding any other provisions of this paragraph, require the signatures of all of you in order to pay any item or take no any other action on relating to the Account, if the Branch has received conflicting demands or instructions from any two or more of you; has received an instruction signed by less than all of you seeking to change the title of (or restrict the payment or transfer of funds in) the Account; or has concluded for any other reason, in the Branch's discretion, that it is prudent to require the signatures of all of you. In the event of the death of all of you, the Branch is authorized to transfer or pay any monies in the Account to or to the order of any personal representative or executor of any one of you (without regard to the original ownership of the monies deposited); provided, however, that the Branch, may condition any such instructions until we receive further instructions satisfactory to uspayment upon the full satisfaction of the requirements of Section 11 below.

Joint Accounts. 28.1 This clause 28 applies only where you consist of more than one person such as joint account holders, trustees or personal representatives. 28.2 38.1 You shall be jointly and severally liable for the obligations payment of all sums owing to us and any for the performance of all obligations undertaken by you under this Agreement or in any other dealings between you on your behalf pursuant to these terms and usconditions. 28.3 38.2 Unless you authorise us otherwise, we will act upon instructions given by any one of you. Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit this authority, any action taken by us in complying with instructions given under such authority will be binding on all of you. Any amendments to a specific named individual: 28.3.1 Each joint holder will have authority on behalf static data including change of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 Any notice address or communication given to one joint holder shall be deemed to bank details must be given to allin writing by all signatories. 28.4 On 38.3 In the event of the death of any of you, our Agreement these terms and conditions will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as of you and upon the only person’s party to this Agreement with ussuccessors of the deceased party(ies). 28.5 38.4 Documents (such as contract notes, statements and valuations) will be sent by us to the first named of you at their address if requested to be sent via post. 38.5 Where you are trustees of a trust or personal representative representatives of an estate, you undertake to give us immediate notice forthwith of any change in the trustees or personal representatives. 28.6 38.6 Where you are trustees of a trust, you warrant that you have been validly appointed and undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and trust. Failure to provide us with such copies shall absolve us from any other documents breach of the terms or information we may reasonably require in connection therewithobjects of the trust. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all 38.7 Where you are personal representatives of an estate, these standard terms of business shall continue in force with you in your capacity as trustees of the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructionsrelevant will trust, advise one or more joint holders following completion of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to usthe administration of the estate.

Joint Accounts. 28.1 This clause 28 applies only where you consist of 7.1 Where more than one person such as joint account holders, trustees or personal representatives.of you has entered into this Agreement: 28.2 You shall be (a) each of you is individually and jointly and severally liable for money owed to us, unless we have agreed otherwise in writing, we have the obligations right to demand repayment from all or any of the account holders for all and or part of such money; (b) any of you under this Agreement can give Instructions or in any other dealings between you and us. 28.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority notices on behalf of all the joint holders others, including Instructions to deal with us sell, withdraw Assets from our management or close any Account, except as fully and completely as provided in this clause or, if it were the sole owner we know or suspect that there may be a dispute or conflict of the account without any notice to the other joint holdersinterest between you, we may seek instructions from each of you; 28.3.2 Any (c) any of the joint holders you may give us an effective and final discharge in respect of any of our obligations under the Agreement; (d) were any of you to die, the Agreement will continue and we may (i) treat the survivor or survivors as the only party or parties to the Agreement after the death as entitled to the Assets and/or any bank Account, or (ii) we may act on the instructions of any personal representative (or, as applicable, liquidator) appointed over your estate if we receive proof of their obligationsauthority in respect of the part of the account that all the persons who entered into this Agreement in respect of an Account agree is the appropriate portion of the Account that should be dealt with by the personal representative; and 28.3.3 (e) we may contact and otherwise deal only with the Account holder named first in our records, subject to any legal requirements or unless you request otherwise. 7.2 You may ask us to remove a person (or persons) from a joint Account, including by converting it to a sole Account. We may require authority from all Account holders before doing so. Any notice or communication given person removed from the Account will continue to be liable for all obligations and liabilities under the Agreement relating to the period before they were removed from the Account. 7.3 Where you own Investments individually, these Investments may be placed into a joint Investment Account (not available for Investment ISAs). If they are, they will be owned jointly. 7.4 In relation to our Barclays Investment Solutions investment services, we will not act on Instructions from any one joint Account holder shall be deemed to register shares in a single name, change the Account address details or close your Account. In these circumstances, we require Instructions to be given to all. 28.4 On the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require by all joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 Account holders. If we receive instructions from a give you notice to end the Agreement, we will transfer the Investments in your Account into your joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to usnames. Registration fees will apply for each transfer.

Joint Accounts. 28.1 This clause 28 applies only where you consist 38.1 We shall be entitled to act for You upon instructions given or purporting to be given by You without further enquiry as to the genuineness, authority or identity of more than the person giving or purporting to give such instructions provided such instruction is accompanied by Your correct Account number and password. If Your Account is a joint account, You agree that we are authorized to act on the instructions of any one person in whose name the Account is held, without further inquiry. We shall have no responsibility for further inquiry into such as joint account holders, trustees apparent authority and no liability for the consequences of any actions taken or personal representativesfailed to be taken by us in reliance on any such instructions or on the apparent authority of any such persons. 28.2 You shall 38.2 Where Your trading Account held with the Company, is jointly owned by two or more beneficiaries: a) Each joint Account holder will be jointly and severally liable for all obligations to the obligations Company arising in respect of Your joint trading Account. b) Each of You is separately responsible for complying with the terms of this Agreement. c) If there is a dispute between You which we know about, we may insist that both or all and any of you under this Agreement or in any other dealings between you and You authorise written instructions to us. 28.3 Unless d) If one of You dies, the survivor(s) may continue to operate the trading Account and until we receive written notice signed by if there is more than one survivor, the provisions of this paragraph will continue to apply to the trading Account. e) Where You provide personal and financial information relating to other joint Account holders for the purpose of opening or administering Your trading Account You confirm that You have their consent or are otherwise entitled to provide this information to us and for us to use it in accordance with this Agreement. f) Any of You may request closure and the redirection of balances, unless there are circumstances that require us to obtain authorization from all of you withdrawing You. g) Each of You will be given sole access to the funds initially deposited by You in Your joint trading Account. Should You wish to withdraw these funds from Your trading Account, You will be required to complete and sign a withdrawal form or varying an electronic withdrawal form, upon receipt of the completed withdrawal form You will be granted permission by the Company to withdraw funds up to the amount of available account balance, provided that the conditions for withdrawals are satisfied. The Company will credit the amount withdrawn in the same so as bank account, credit/debit card or other payment method from where it was originally debited. h) In order for this Agreement to limit such authority be valid and binding it is required that all joint Account holders sign the Agreement and in case any of the Account holders wish to a specific named individual: 28.3.1 Each terminate this Agreement and close the joint holder will have authority on behalf trading Account held with the Company, the written consent of all the joint Account holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 Any notice or communication given to one joint holder shall be deemed to be given to allobtained. 28.4 On the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 27.1 This clause 28 27 applies only where you consist of more than one person such as joint account holders, trustees or personal representatives. 28.2 27.2 You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. 28.3 27.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 27.3.1 Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 27.3.2 Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 27.3.3 Any notice or communication given to one joint holder shall be deemed to be given to all. VARIANSE is a trading name of VDX Derivatives. VDX Derivatives is authorised and regulated by the Financial Services Commission (FSC) in the republic of Mauritius with License Number C118023323. Registered Address: ▇▇ ▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇. 28.4 27.4 On the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 27.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 27.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 27.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 27.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 27.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 27.1 This clause 28 27 applies only where you consist of more than one person such as joint account holders, trustees or personal representatives. 28.2 27.2 You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. VARIANSE is a trading name of VDX Derivatives. VDX Derivatives is authorised and regulated by the Financial Services Commission (FSC) in the republic of Mauritius with License Number C118023323. Registered Address: ▇▇ ▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇. 28.3 27.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 27.3.1 Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 27.3.2 Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 27.3.3 Any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 27.4 On the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 27.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 27.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 27.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 27.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 27.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 This clause 28 applies only where you consist of more than one person such as joint account holdersaccountholders, trustees or personal representatives. 28.2 You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. 28.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 Any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 On the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 30.1. This clause 28 29 applies only where you consist of more than one person such as joint account holders, trustees or personal representatives. 28.2 30.2. You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. 28.3 30.3. Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 Each 30.4. each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 Any 30.5. any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and; 28.3.3 Any 30.6. any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 30.7. On the death of any of you, our this Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s person party to this Agreement with us. 28.5 30.8. Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 30.9. Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 30.10. Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To 30.10.1. to require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 If 30.10.2. if we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or and/or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 This clause 28 applies only where you consist A7.2.6.1 For joint accounts, each joint account holder agrees that each individual joint account holder shall have authority, without notice to the other joint account holder to: (i) buy and sell securities, options, futures, and other derivatives or other investment products on margin, or otherwise, depending upon the type of more than one person such IBUK Account; (ii) receive confirmations, statements, and Records and Communications of every kind related to the IBUK Account; (iii) receive and dispose of money, securities and/or other investments, assets or property in the IBUK Account; (iv) terminate, or agree to a modification of this Agreement; (v) waive any of the provisions of this Agreement; and (vi) generally deal with IBUK, IBLLC and their Affiliates as if each joint account holder alone was the sole holder of the IBUK Account. A7.2.6.2 Each joint account holder agrees that notice to any joint account holder shall constitute notice to all joint account holders, trustees . Each joint account holder further agrees that he or personal representatives. 28.2 You she shall be jointly and severally liable for the obligations of to IBUK and their Affiliates with respect to all and any of you under this Agreement or in any other dealings between you and us. 28.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice matters relating to the other joint holders; 28.3.2 Any IBUK Account. ▇▇▇▇ and their Affiliates may follow the instructions of any of the joint account holders concerning the IBUK Account and make delivery to any of the joint account holders of any and all securities and/or other property in the IBUK Account, and make payments to any of the joint account holders, of any or all monies in the IBUK Account as any of the joint account holders may give us an effective order and final discharge direct, even if such deliveries and/or payments shall be made to only one of the joint account holders personally. A7.2.6.3 In the event of the death of either of the joint account holders, the surviving joint account holder shall provide Written Notice this occurrence as soon as possible to IBUK. IBUK and its Affiliates, may, before or after receiving such Written Notice, initiate such proceedings, require such documents, retain such portion and/or restrict transactions in respect the IBUK Account as it deems advisable, in its sole discretion, to protect themselves against any tax, liability, penalty or loss under any present or future laws or otherwise. A7.2.6.4 The estate of any of their obligations; and 28.3.3 Any notice or communication given to one deceased joint account holder shall be deemed liable, and each survivor shall be liable, jointly and severally, to be given IBUK and their Affiliates for any debt or loss in the IBUK Account or debt or loss incurred in the liquidation of the IBUK Account or the adjustment of the interests of the joint account holders. Unless the joint account holders indicated to all. 28.4 On the contrary when the IBUK Account was opened, IBUK and their Affiliates may presume that it is the express intention of the joint account holders to hold the IBUK Account as joint tenants with rights of survivorship. In the event of the death of any of youthe joint account holders, our Agreement will not terminate but remain binding the entire interest in the IBUK Account shall be vested in the surviving joint account holder on the other person(s) constituting our client same terms and we may treat such survivor(s) conditions as theretofore held, without in any manner releasing the only person’s party to this Agreement with usdeceased joint account holder's estate from liability. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 This clause 28 applies only where onlywhere you consist of more than one person such as joint account holdersofmorethanone personsuchasjoint accountholders, trustees or personal representatives. 28.2 You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. 28.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 Any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 On the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 This clause 28 applies only where you consist of 7.1 Where more than one person such as joint account holders, trustees or personal representatives.of you has entered into this Agreement: 28.2 You shall be (a) each of you is individually and jointly and severally liable for money owed to us, unless we have agreed otherwise in writing, we have the obligations right to demand repayment from all or any of the account holders for all and or part of such money; (b) any of you under this Agreement can give instructions or in any other dealings between you and us. 28.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority notices on behalf of all the joint holders others, including instructions to deal with us sell, withdraw Assets from our management or close any Account, except as fully and completely as provided in this clause or, if it were the sole owner we know or suspect that there may be a dispute or conflict of the account without any notice to the other joint holdersinterest between you, we may seek instructions from each of you; 28.3.2 Any (c) any of the joint holders you may give us an effective and final discharge in respect of any of our obligations under the Agreement; (d) were any of you to die, the Agreement will continue and we may (i) treat the survivor or survivors as the only party or parties to the Agreement after the death as entitled to the Assets and/or any bank Account, or (ii) we may act on the instructions of any personal representative (or, as applicable, liquidator) appointed over your estate if we receive proof of their obligationsauthority in respect of the part of the account that all the persons who entered into this Agreement in respect of an Account agree is the appropriate portion of the Account that should be dealt with by the personal representative; and 28.3.3 (e) we may contact and otherwise deal only with the Account holder named first in our records, subject to any legal requirements or unless you request otherwise. 7.2 You may ask us to remove a person (or persons) from a joint Account, including by converting it to a sole Account. We may require authority from all Account holders before doing so. Any notice or communication given person removed from the Account will continue to be liable for all obligations and liabilities under the Agreement relating to the period before they were removed from the Account. 7.3 Where you own investments individually, these investments may be placed into a joint Account. If they are, they will be owned jointly. 7.4 In relation to our investment services, we will not act on instructions from any one joint Account holder shall be deemed to register shares in a single name, change the Account address details or close your Account. In these circumstances, we require Instructions to be given to all. 28.4 On the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require by all joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 Account holders. If we receive instructions from a give you notice to end the Agreement, we will transfer the Investments in your Account into your joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to usnames. Registration fees will apply for each transfer.

Joint Accounts. 28.1 This clause 28 Agreement applies only where to everyone named on your joint Account, together and as individuals. Any of you, either jointly or individually, can give us instructions about your joint Accounts. These instructions will relate to us: 1. allowing withdrawals of any amount, whether principal or interest, which may be standing to your joint credit on such account; 2. honouring and complying with all cheques and any other banking instruments made, or given at any time or times even if the banking account is overdrawn or any existing overdraft further incurred; 3. delivering or disposing of any security or documents or property held by you consist on our behalf; holding us liable on all agreements and indemnities in connection with the issue of bank Instruments and all banking transactions; 4. treat such bank instruments and banking transactions as being endorsed on your behalf and to discount or otherwise deal with them 5. negotiate for and take advances, in your names and on your behalf, by way of discounts, loans, overdraft or otherwise with or without security and pledge any species of security for repayment of such advances. Nonetheless, please note if there is a dispute between you that we know about, we may insist that you all jointly give us instructions and cancel your debit or credit cards and suspend your Internet Banking access. All payments and remittances received by us in the name(s) or for the credit of either or any one or more than one person of you shall be placed by us to the credit of such as joint account, subject to any contrary instructions from you. Should any of you have another account holdersin our sole name, trustees or personal representatives. 28.2 with you, then the payments and remittances will go to that account. You shall agree to be jointly and severally liable for any balance on the obligations of all and said account which may become due to us at any time. If you wish to revoke the authority provided in relation to any joint accounts, you will be required to send us a notice in writing. If one of you under this Agreement or in any other dealings between dies and you and us. 28.3 Unless and until we receive written notice have signed by all a contract with the Bank providing for the disposal of you withdrawing or varying funds on the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 Any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 On Account upon the death of any of youan account holder, our Agreement the surviving account holders will not terminate but remain binding on be entitled to the other person(s) constituting our client and we may treat funds. If no such survivor(s) as contract has been signed, the only person’s party funds will then have to this Agreement be shared in equal portions with us. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers heirs of the trustees or amending deceased account holder and the objects of the trust and any other documents or information we may reasonably require in connection therewithsurviving account holders. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 This clause 28 applies only where onlywhere you consist of more than one person such thanone personsuch as joint account holders, trustees or personal representatives. 28.2 You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. 28.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 Any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 On the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 This clause 28 applies only where you consist of 5.1. If you, as the Customer under this Agreement, is more than one person such as joint account holders, trustees or personal representatives.person: 28.2 You shall be jointly and severally liable for the a) your obligations of all and any of you under this Agreement shall be joint and several obligations of such persons and references to you or the client in this Agreement shall be construed accordingly b) we shall be authorised to act on the instructions of any other dealings between you and us.one or more of such persons which shall be binding on all; 28.3 Unless and until we receive written notice signed c) any balance in an E-Money Account shall at all times be considered equally owned by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 Any of the joint holders may give us an effective and final discharge in respect of any of their obligationspersons; and 28.3.3 Any d) any notice or other communication given to one joint holder any such person shall for the purposes of this Agreement be deemed to be given to all. 28.4 5.2. Our authority under this Agreement is given by you on behalf of your successors in title as well as yourself. On the death legally recognised declaration of incapacity or incapability of any of you, our this Agreement will not terminate but remain binding on the other person(s) constituting our client the Customer and we may treat such survivor(s) as the only person’s persons party to this Agreement with us. 28.5 Where you 5.3. If there are trustees no surviving joint account holders, accordingly, on your death, or legally recognised declaration of a trust incapacity or incapability, this Agreement will continue in effect until terminated in writing by your personal representative representatives in accordance with Clause 11. 5.4. On your death, or the death or legally recognised declaration of an estate, you undertake to give us notice forthwith incapacity of any change of you, we are also entitled to terminate or suspend the performance of this Agreement until we have received satisfactory evidence of the authority of any heirs, successors, executors or trustees, as the case may be. However, all acts performed by us, our Affiliates or any third party service providers prior to receiving written notice of such death (or incapacity or incapability) shall be valid and binding on you and/or your successors in trustees or title (as appropriate). We may (but prior to any grant of representation, are not bound to) act on the instructions of your personal representatives. 28.6 Where you are trustees 5.5. The right of a trusteach joint account holder (or if any joint account holder has died, you undertake the surviving joint account holder(s)) to supply operate the E-Money Account on its own is subject to us with copies not being made aware in writing of any documents now existing dispute between the joint Account holders. If we are made aware of any such dispute in writing we shall, in our absolute discretion, have the right to suspend the E-Money Account and require any instructions relating to the E-Money Account to be agreed by all joint account holders (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewiththeir legitimate successor(s)). 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 27.1 This clause 28 section applies only where you consist of more than one person such as joint account holders, trustees or personal representatives. 28.2 27.2 You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. 28.3 27.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same same, so as to limit such authority to a specific named individual: 28.3.1 27.3.1 Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders;. 28.3.2 27.3.2 Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 27.3.3 Any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 27.4 On the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 27.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 27.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 27.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 27.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 27.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 37.1. This clause 28 applies only where you consist of an Account is under more than one person such as joint account Account holders, trustees trustees, or personal representatives. 28.2 You 37.2. In such cases, you shall all be considered Clients under this GTC and shall all be jointly and severally liable for the obligations Obligations and liabilities of all and any of you under this Agreement GTC or in any other dealings between you and us. 28.3 37.3. Unless and until we receive written notice signed by all of you withdrawing or varying the same so position as stated to limit such your authority to a specific named individualindividual joint Account holder: 28.3.1 a) Each joint holder will have full authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account Trading Account without any notice to the other joint holders. This includes any instruction to liquidate, close and/ or withdraw any balance from the Trading account; 28.3.2 b) Any of the joint holders may give us an effective and final discharge in respect of any of their obligationsObligations under this GTC; and 28.3.3 c) Any notice or communication given to one joint holder shall be deemed to be given to all, and unless otherwise agreed in writing, we may contact and deal with only one of you subject to any legal requirements to the contrary. 28.4 37.4. On the death of any of you, our Agreement the joint Account holders: a) Our GTC will not terminate but remain binding on the other person(s) constituting our client Client and we may treat such survivor(s) as the only person’s person(s) party to this Agreement GTC withus; and b) We will transfer the balance of your Account, and responsibility for any obligations connected with usthe Account, into the survivors'/survivor's name(s). 28.5 37.5. Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 37.6. Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending extending, or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 37.7. Any joint Account holder may ask us to convert the Account into a sole Account, however, insuch an instance: a) We will require authority in writing from all joint Account holders before doing so; and b) Any person removed from the Account will continue to be liable for all obligations and liabilities under the GTC relating only to the period before they were removed from the Account. 37.8. Notwithstanding the foregoing above, we reserve the right at may in our sole reasonable discretion: 28.7.1 To require a) Require joint instructions from some or all of the joint holders before taking any action under this AgreementGTC; and 28.7.2 b) If we receive instructions from a joint holder which which, in our opinion opinion, conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 27.1 This clause 28 27 applies only where you consist of more than one person such as joint account holders, trustees or personal representatives. VARIANSE is a trading name of VDX Derivatives. VDX Derivatives is authorised and regulated by the Financial Services Commission (FSC) in the republic of Mauritius with License Number C118023323. Registered Address: ▇▇ ▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇. 28.2 27.2 You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. 28.3 27.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 27.3.1 Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 27.3.2 Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 27.3.3 Any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 27.4 On the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 27.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 27.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 27.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 27.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 27.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 This clause 28 applies only where you consist of more than one person such as joint account holders, trustees or personal representatives. 28.2 You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. 28.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 Any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 On the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 28.7.1 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 This clause 28 applies only where you consist of more than one person such as joint account holders, holders trustees or personal representatives.representatives Zenfinex Limited, One Mayfair Place, London, W1J 8AJ, UK + ▇▇ (▇) ▇▇ ▇▇▇▇ ▇▇▇▇ 28.2 You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. 28.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 : Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 holders Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 obligations and Any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 all 4 On the death of any of you, you our Agreement will not terminate but remain binding on the other person(s) person s constituting our client and we may treat such survivor(s) survivor s as the only person’s person s party to this Agreement with us. 28.5 us Where you are trustees of a trust or personal representative of an estate, estate you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 representatives 6 Where you are trustees of a trust, trust you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, executed limiting extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 therewith 7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; Agreement and 28.7.2 28.7.1 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, instructions advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 42.1 This clause 28 applies only where you consist of more than one person such as joint account Account holders, trustees or personal representatives. 28.2 42.2 You shall all be considered Clients under this Agreement, and shall all be jointly and severally liable for the obligations Obligations and liabilities of all and any of you under this Agreement or in any other dealings between you and us. 28.3 42.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same position as stated so as to limit such your authority to a specific named individual: 28.3.1 Each individual joint Account holder: • each joint holder will have full authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account Account without any notice to the other joint holders; 28.3.2 Any . This includes any instruction to liquidate, close and/ or withdraw any balance from the Account; • any of the joint holders may give us an effective and final discharge in respect of any of their obligationsObligations under this Agreement; and 28.3.3 Any and • any notice or communication given to one joint holder shall be deemed to be given to all, and unless otherwise agreed in writing, we may contact and deal with only one of you subject to any legal requirements to the contrary. 28.4 42.4 On the death of any of you, the joint Account holders: • our Agreement will not terminate but remain binding on the other person(s) constituting our client Client and we may treat such survivor(s) as the only person’s person(s) party to this Agreement with us; and • we will transfer the balance of your Account, and responsibility for any obligations connected with the Account, into the survivors' / survivor's name(s). 28.5 42.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 42.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 42.7 Any joint Account holder may ask us to convert the Account into a sole Account, however, in such an instance: • we will require authority in writing from all joint Account holders before doing so; and • any person removed from the Account will continue to be liable for all obligations and liabilities under the Agreement relating only to the period before they were removed from the Account. 42.8 Notwithstanding the foregoing above, we reserve the right at may in our sole reasonable discretion: 28.7.1 To : • require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 If and • if we receive instructions from a joint holder which which, in our opinion opinion, conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 27.1. This clause 28 applies only where you consist of more than one person such as joint account holders, trustees or personal representatives. 28.2 27.2. You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. 28.3 27.3. Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 a. Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 b. Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 c. Any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 27.4. On the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 27.5. Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 27.6. Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 27.7. Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 a. To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 b. If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us. Doo Clearing Limited is registered in England and Wales with registration number 10684079 and is authorised and regulated by the Financial Conduct Authority with license number 833414 ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇ | ▇▇▇▇▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇, ▇▇ | +▇▇ ▇▇ ▇▇▇▇ ▇▇▇▇

Joint Accounts. 28.1 27.1 This clause 28 27 applies only where you consist of more than one person such as joint account holders, trustees or personal representatives. 28.2 27.2 You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. VARIANSE | Client Agreement Page 26 of 29 VARIANSE is a trading name of VDX Derivatives. VDX Derivatives is authorised and regulated by the Financial Services Commission (FSC) in the republic of Mauritius with License Number C118023323. Registered Address: ▇▇ ▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇. 28.3 27.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 27.3.1 Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 27.3.2 Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 27.3.3 Any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 27.4 On the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 27.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 27.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 27.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 27.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 27.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 This clause 28 applies only where you consist 4.1 Each holder of more than one person such as a joint account holders, trustees or personal representativesAccount may individually carry out Transactions through the joint Account unless we are notified otherwise. 28.2 You 4.2 In the case of a joint Account held by at least two natural persons, the obligations of such persons are joint and several and any reference to the Customer in these GTC shall be interpreted, where applicable, as reference to any one or more of these persons. All joint holders of the joint Account shall jointly and severally be liable to us for all obligations, whether jointly or individually contracted by them, arising from the obligations joint Account. 4.3 Unless otherwise specified in any relevant power of all and attorney, resolution or mandate, satisfactory to us: 4.3.1 any notice or communication given to any of you under this Agreement such persons which constitute the Customer shall be deemed to have been given to all the persons constituting the Customer; and 4.3.2 any instructions, orders, notice or in communication given by any other dealings between you and us. 28.3 Unless and until we receive written notice signed of these persons which constitute the Customer shall be deemed to have been given by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority and/or on behalf of all the persons which constitute the Customer. 4.4 The admission of an additional joint holders holder or the granting of powers of attorney to deal with us as fully and completely as if it were third parties in relation to the sole owner joint Account is subject to the unanimous consent of the account without any notice to all the other joint holders; 28.3.2 Any . None of the joint holders may give us an effective and final discharge in respect is entitled to revoke a power of any of their obligations; and 28.3.3 Any notice or communication given to one attorney granted by another joint holder shall be deemed to be given to allwithout the written consent of the other holders. However, a joint holder may, revoke a power of attorney granted by himself/ herself and one or several joint holders collectively. 28.4 On the death of 4.5 If, for any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of reason whatsoever any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all one of the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions or the Customer’s Authorised User prohibits us in writing from a executing another joint holder which in our opinion conflict holder’s or are inconsistent with other another joint holder’s Authorised User instructions, advise one the joint and several rights between the joint holders towards us shall immediately cease to have effect, without prejudice to the joint and several liability of the joint holders which shall remain unaffected. In such case, the rights attached to the joint Account may no longer be exercised individually and we shall only comply with the instructions given by all the joint holders or more their heirs or assignees or successors. 4.6 The Customer acknowledges and understands that if it comes to our attention or we suspect that there may be a dispute or conflict of interest between the joint holders of such conflict an Account under these GTC, we may seek instructions from each of the Account holders or inconsistency and / may refrain from executing an order or take no action on any such instructions until we receive further instructions satisfactory to usis satisfied that there are no conflicts between the Account holders.

Joint Accounts. 28.1 This clause 28 applies only where you consist of more than one person such as joint account holders, trustees or personal representatives. 28.2 You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. 28.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 Any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 On the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. CA14072020 ▇▇/▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇ ▇▇ | +▇▇ (▇)▇▇ ▇▇▇▇ ▇▇▇▇ | ▇▇▇.▇▇▇▇▇▇.▇▇.▇▇ 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 This clause 28 3.1. In case of transactions by you in relation to a joint account, we must receive relevant instructions to this effect in accordance with the existing mandate that relates to such a joint account. 3.2. In case you wish to close a joint account, we must receive relevant instructions to this effect signed by all the holders of the said account unless expressly stated to the contrary in the existing mandate that relates to such a joint account. 3.3. If at any time we receive notice of any dispute between you regarding any joint account you hold with us, irrespective of the provisions of any existing mandate relating to such a joint account, we may deem that the mandate to us has been revoked. In such a case it may be that we will not act in any way in relation to your account unless we receive written instructions from all of you. 3.4. In case of a joint account and where we are authorised to receive instructions from one of the holders according to the existing instructions (mandate) that relate to such joint account, in order for the account to be connected to any of the services stated in Sections IV – VI an application must be submitted by all the Account holders which appoints the persons that will give instructions to us through the relevant service. 3.5. Every joint account holder bears full responsibility to us for every obligation deriving from the said account. 3.6. Unless paragraph3.7 further below applies only where you consist and without prejudice to any rights that we or any third person may have, in case of more than one person such as death of any of the joint account holders, trustees or personal representatives. 28.2 You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. 28.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner balance of the account without any notice will remain to the other joint holders; 28.3.2 Any order of the joint holders surviving account holder(s) of the said account, without prejudice to any rights we may give us an effective and final discharge have in respect relation to the said balance, deriving from any right of any of their obligations; and 28.3.3 Any notice lien, charge, pledge, set-off, counterclaim or communication given to one joint holder shall be deemed to be given to allotherwise whatsoever. 28.4 On the 3.7. In case of death of any of youaccount holder, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as impose requirements including the only person’s party submission of documents, which must be fully satisfied in order for the withdrawal of funds from the surviving account holders to this Agreement with usbe made possible. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 This clause 28 applies only where onlywhere you consist of more than one person such as joint account holdersmorethanoneperson suchasjoint accountholders, trustees or personal representatives. 28.2 You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. 28.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 Any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 On the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 26.1 This clause 28 26 applies only where you consist of more than one person such as joint account holders, trustees or personal representatives. 28.2 26.2 You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. 28.3 26.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific specific named individual: 28.3.1 Each 26.3.1 each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 Any 26.3.2 any of the joint holders may give us an effective and final final discharge in respect of any of their obligations; and; 28.3.3 Any 26.3.3 any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 26.4 On the death of any of you, our this Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s persons party to this Agreement with us. 28.5 26.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 26.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects objectives of the trust and any other documents or 24 25 information we may reasonably require in connection therewith. 28.7 26.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To 26.7.1 to require joint instructions from some or all of the joint holders before taking making any action under this Agreement; and 28.7.2 If 26.7.2 if we receive instructions from a joint holder which in our opinion conflict conflicts or are inconsistent with other instructions, we will advise one or more joint holders of such conflict conflict or inconsistency and / or and/or take no action on any such instructions until we receive further instructions satisfactory to us.

Joint Accounts. 28.1 This clause 28 applies only where you consist of 7.1 Where more than one person such as joint account holders, trustees or personal representatives.of you has entered into this Agreement: 28.2 You shall be (a) each of you is individually and jointly and severally liable for money owed to us, unless we have agreed otherwise in writing, we have the obligations right to demand repayment from all or any of the account holders for all and or part of such money; (b) except where we expressly agree otherwise in writing, any of you under this Agreement can give instructions or in any other dealings between you and us. 28.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority notices on behalf of the others, including instructions to sell, withdraw Assets from our management, withdraw cash from an Account or close any Account. However: (i) if we know or suspect that there may be a dispute, or conflict of interest, we may seek instructions Section A from each of you; (ii) for certain high-risk instructions (including changes to account details, payment mandates, or closure instructions, we may require confirmation from all Account holders; and (iii) in the case of a dispute between you, we will not choose between inconsistent instructions from joint Account holders and therefore, except where we are otherwise required by relevant Regulatory Requirements to deal with take a particular action, each joint Account holder will need to agree the same instruction for us as fully and completely as if it were the sole owner to act. (c) any of the account without any notice to the other joint holders; 28.3.2 Any of the joint holders you may give us an effective and final discharge in respect of any of our obligations under the Agreement; (d) were any of you to die, the Agreement will continue and we may (i) treat the survivor or survivors as the only party or parties to the Agreement after the death as entitled to the Assets and/or any bank Account, or (ii) we may act on the instructions of any personal representative (or, as applicable, liquidator) appointed over your estate if we receive proof of their obligationsauthority in respect of the part of the account that all the persons who entered into this Agreement in respect of an Account agree is the appropriate portion of the Account that should be dealt with by the personal representative; and 28.3.3 (e) we may contact and otherwise deal only with the Account holder named first in our records, subject to any legal requirements or unless you request otherwise. 7.2 You may ask us to remove a person (or persons) from a joint Account, including by converting it to a sole Account. Except where otherwise required by relevant Regulatory Requirements, we will require authority from all Account holders before doing so. Any person removed from the Account will continue to be liable for all obligations and liabilities under the Agreement relating to the period before they were removed from the Account. 7.3 Where you own Investments individually, these Investments may be placed into a joint Investment Account (not available for Investment ISAs). If they are, they will be owned jointly. 7.4 In relation to our Barclays Investment Solutions investment services, we will not act on Instructions from any one joint Account holder to register shares in a single name, change the Account address details or close your Account. In these circumstances, we require Instructions to be given by all joint Account holders. If we give you notice or communication given to end the Agreement, we will transfer the Investments in your Account into your joint names. Registration fees will apply for each transfer. 7.5 Where we provide Investment Services under this Agreement in relation to a joint Account and the joint holders of the Account have different authority in relation to providing instructions in relation to the Account, e.g., one joint holder shall be deemed to be given to all. 28.4 On the death of any of you, our Agreement will not terminate but remain binding on an Account has instructing authority and the other person(s) constituting our client and holder has viewing only authority, we may treat such survivor(s) as the only person’s party to this Agreement will agree with us. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions from a joint holder of the Account the knowledge, experience and understanding that will be taken into consideration which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to uswill be communicated separately.

Joint Accounts. 28.1 This clause 28 applies only where you consist of 37.1. Where we enter into these Terms with more than one person such as joint account holders, trustees (except where we have agreed otherwise in writing): (a) All joint account holders will be considered a Client and their obligations and liabilities under these Terms are joint and several (which means, for instance, that any one person can withdraw the entire balance of the Account, and in the case of a debit balance or personal representatives. 28.2 You shall be jointly and severally liable debt owed by the Client to us, each account holder is responsible for the obligations repayment of all the entire balance and any not just a share of you under this Agreement or in any other dealings between you and us.it); 28.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 (b) Each joint account holder will have authority on behalf of all of the joint account holders to deal with us as fully and completely as if it were each was the sole owner holder of the account Account, all without any notice to the other joint holdersaccount holder(s). In particular, each joint account holder will have full authority on behalf of the others to give or receive any instruction, notice, request or acknowledgement without notice to the others, including an instruction to liquidate and/or withdraw investments from the Account and/or close the Account; ADSS Terms of Business - 20190911 24 (c) We may in our sole and absolute discretion, require an instruction, request or demand to be given by all joint account holders before we take any action for any reason or no reason whatsoever; 28.3.2 Any of the (d) Each joint holders account holder person may give us an effective and final discharge in respect of any of their obligations; andobligations under these Terms or in connection with these Terms; 28.3.3 Any notice or communication given (e) Each joint account holder which is juristic person authorises us, upon its dissolution, to one joint holder shall be deemed to be given to all. 28.4 On treat the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party party(ies) to this Agreement with us. 28.5 Where you are trustees of a trust or personal representative of an these Terms and the only account holder(s) and agrees (for itself and its estate, you undertake representatives and successors) to give indemnify us notice forthwith of against any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information Losses we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right incur by so doing. We will nevertheless be entitled at our sole discretion: 28.7.1 To and absolute discretion to require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders evidence of such conflict or inconsistency survivor’s authority to deal with the Account. These Terms will remain in full force between us and / or take no action on any such instructions until we receive further instructions satisfactory to usthe surviving joint account holder(s).

Joint Accounts. 28.1 This clause 28 applies 23.1. If the Client is an individual, the Client’s executor(s) or administrator(s) shall be the only where you consist person recognised by ▇▇▇▇▇ as being the Client’s successor(s) in the event of more than one person the Client’s death. Upon the Client’s death, SRDFS is entitled to retain any of the Client’s Properties or any sums standing in credit in the Account or the Client’s other property held by it until such as joint account holders, trustees times that the Client’s successor(s) produces to SRDFS a grant of probate or personal representativesletters of administration. 28.2 You 23.2. If the Account is opened in the names of two or more persons (the “Joint Account”), such persons shall be jointly and severally liable for all liabilities incurred on the obligations Joint Accounts. 23.3. In the event that the Account is a Joint Account, the joint account holders (collectively, the "Joint Account Holders" and individually, the "Joint Account Holder") agree as follows: (a) where the mandate for the operation of all and the Account is that any of you under this Agreement or in the Joint Account Holders may operate the Account, instructions from any one of the Joint Account Holders will be accepted by SRDFS and will be binding on the other dealings between you and us.Joint Account Holder(s); 28.3 Unless and until we receive written notice signed by all (b) where the mandate for the operation of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority Account is that the Account may only be operated on behalf the instructions of all the joint holders Joint Account Holders: (1) SRDFS shall be entitled to deal with us as fully and completely as if it were take all reasonably practicable steps to verify the sole owner instructions given by one or more of the account without any notice to Joint Account Holders with the other joint holders;Joint Account Holders. In the event that SRDFS is unable to verify such instructions, SRDFS shall be entitled to refuse to act on such instructions; or 28.3.2 Any of (2) should SRDFS receive contradictory or conflicting instructions from the joint holders may give us an effective and final discharge Joint Account Holders, SRDFS shall, in its sole discretion, be entitled to act on the latest instructions issued by all the Joint Account Holders, or refuse to act altogether. In such event, SRDFS shall not be held liable or responsible for anything whatsoever in respect of any of their obligationssuch action; and 28.3.3 Any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 On (c) in the event of the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s party to this Agreement with us. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretionJoint Account Holders: 28.7.1 To require joint instructions (1) the deceased Joint Account Holder’s share in all the assets held in the Account shall lapse and the surviving Joint Account Holder(s) shall be legally and beneficially entitled to all the Properties or assets in the Account unless SRDFS has received prior written notification from some or all of the joint holders before taking any action under this AgreementJoint Account Holders to the contrary; and 28.7.2 If we receive (2) in the event no instructions from a joint holder severing the Joint Account Holders’ interest in the Account is received by SRDFS on or before the date of death of the deceased Joint Account Holder(s), SRDFS is authorised to pay the surviving Joint Account Holder(s) any credit balance in the account(s) without prejudice to any rights SRDFS may have in respect of such balance arising out of any lien, charge, set off, counter claim or otherwise whatsoever or any step which SRDFS may deem desirable to take, in our opinion conflict or are inconsistent with view of any claim by any person, other instructions, advise than the survivor(s). (d) payment made by SRDFS to any Joint Account Holder shall constitute good sufficient and effective discharge of its' payment obligations under these terms and conditions. 23.4. SRDFS shall be at liberty to release any one or more joint holders of such conflict the Joint Account Holders from their liabilities and obligations under these terms and conditions, to compound with or inconsistency otherwise vary or agree to vary the liability of, or to grant time or other indulgence to, or make other arrangements with, any one or more of the Joint Account Holders, without prejudicing or affecting SRDFS’s rights, powers and / or take no action on remedies against any such instructions until we receive further instructions satisfactory to usother Joint Account Holder.

Joint Accounts. 28.1 This clause 28 applies only where you consist of more than one person such as joint account holders, trustees or personal representatives. 28.2 You shall be jointly and severally liable for the obligations of all and any of you under this Agreement or in any other dealings between you and us. 28.3 Unless and until we receive written notice signed by all of you withdrawing or varying the same so as to limit such authority to a specific named individual: 28.3.1 Each joint holder will have authority on behalf of all the joint holders to deal with us as fully and completely as if it were the sole owner of the account without any notice to the other joint holders; 28.3.2 Any of the joint holders may give us an effective and final discharge in respect of any of their obligations; and 28.3.3 Any notice or communication given to one joint holder shall be deemed to be given to all. 28.4 On the death of any of you, our Agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person’s 's party to this Agreement with us. 28.5 Where you are trustees of a trust or personal representative of an estate, you undertake to give us notice forthwith of any change in trustees or personal representatives. 28.6 Where you are trustees of a trust, you undertake to supply us with copies of any documents now existing (or hereafter executed) limiting, extending or varying the powers of the trustees or amending the objects of the trust and any other documents or information we may reasonably require in connection therewith. 28.7 Notwithstanding the foregoing we reserve the right at our sole discretion: 28.7.1 To require joint instructions from some or all of the joint holders before taking any action under this Agreement; and 28.7.2 If we receive instructions from a joint holder which in our opinion conflict or are inconsistent with other instructions, advise one or more joint holders of such conflict or inconsistency and / or take no action on any such instructions until we receive further instructions satisfactory to us.