EFTA01282367.pdf

Deutsche Asset
& Wealth Management
Account Agreement
J. Epstein Virgin Islands Foundation, Inc
Cagnetta
8100 Red Hook Quarter 83
St. Thomas U.S.V.l 00802
aty
State p Code
Account Title (Complete if different from the Client above) Account Number(*)
IMPORTANT: PLEASE SIGN AND RETURN THIS ACCOUNT AGREEMENT .
This is the account agreement (Account Agreement) between Client and Deutsche Bank Securities Inc. (referred to herein
as "DBSI"). It Includes the terms and conditions and is the contract that controls each brokerage account in which Client
has an interest (each en 'Account"). Client agrees to read this Account Agreement and the Appendix to this Account
Agreement: Disclosures and Definitions (-Appendix') carefully. If Client is not willing to be bound by those terms and
conditions, Client should not sign this Account Agreement. Client's signature confirms that Client has read and agrees to
the terms of this Account Agreement and the Appendix annexed hereto.
I. CLIENT REPRESENTATIONS
Client certifies that all of the information provided by Client in this Account Agreement is accurate and complete and
that each of the following statements is accurate as to Client and Client's Account:
a. Whore Client is a natural person, Client is of legal age;
b. For all accounts: (a) no one except the person(s) named on the Account(s), or, if signed in a representative
capacity, then no one except the beneficial owner(s), has any interest in the Account(s), (b) Client is and will
remain compliant with all Applicable Laws, (c) Client is financially capable of satisfying any obligations
undertaken through Client's Account(s), (d) Client acknowledges that the purchase and sale of securities entails
substantial economic risk, and represents knowingly and willingly that Client can assume such risk and (e) Client
has read and understands the terms set forth in this Account Agreement and those agreements or supplements
incorporated by reference and understands that Client is bound by such terms;
e. Client agrees to notify us in writing it (a) Client is or becomes an employee, member or immediate family
member of any securities exchange (or corporation of which any exchange owns a majority of the capital stock).
Financial industry Regulatory Authority, Inc. (FINRA) or of any broker-dealer, (b) Client Is or becomes a senior
officer or Immediate family member of such a person of any bank, savings and loan institution, insurance
company, investment company, investment advisory firm or institution that purchases securities, or other
employer whose consent is required to open and maintain this Account by regulation or otherwise, unless such
consent has been provided to DBSI.
Client will promptly notify DBSI in writing if any of the above circumstances change.
II. TERMS AND CONDITIONS THAT APPLY TO CLIENTS ACCOUNT(S)
The following terms and conditions govern Client's Account(s):
1. Rights of DBSI. All rights granted to DBSI under this Account Agreement are granted with the understanding that It
shall be within the sole discretion of DBSI whether, end in what manner, to exercise such rights. The failure of DBSI
to exercise any right granted under this Account Agreement shell not be deemed a waiver of such right or any other
right granted hereunder. DBSI retains the right to delegate to Its agent. including its clearing agent, Pershing LLC
(Pershing). one or more of DBSI's rights or obligations under this Agreement without notice to Client.
2. Cash Account. DBSI will classify each Account as a cash brokerage account. DBSI must separately approve the
opening of a margin account (Margin Account) and Client must separately sign the Margin Agreement.
3. Order Execution. Orders for the purchase or sale of assets may be routed to or executed through any exchange, market
or broker that O851 selects.
4. Rules and Regulations. All transactions in Account(s) shall be conducted in accordance with end subject to
Applicable Law.
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EFTA01282367

5. Purchase of Securities. DBSI requires that cash accounts contain sufficient funds to settle a transaction, but has the
right to accept an order without sufficient funds with the understanding that Client will submit payment on or before
settlement date for each security purchased. DBSI retains the right to cancel or liquidate any order accepted and/or
executed without prior notice to Client, If DBSI does not receive payment by settlement date. Alternatively. upon
Client's failure to pay for purchased and settled securities. ()BSI has the right to sell Securities and Other Property
Mid in any of Client's Account(s), and charge to Client any loss resulting therefrom.
O. Sale of Securities. Client agrees that in a cash account: (a) Client will not sell any Security before it is paid for, (b)
Client will own each security sold at the time of sale, (c) unless such security is already held in the Account, Client
will promptly deliver such security thereto on or before settlement date, (d) Client will promptly make full cash
payment of any amount which may become due in order to meet necessary requests for additional deposits and (e)
with respect to any Securities and Other Property sold, Client will satisfy any mark to the market deficiencies. Client
must affect all Short Sales in a margin account and designate those sales as "short.' All other sales will be
designated as "long' and will be deemed to be owned by Client. In the event that D851 enters an order to sell
Securities end Other Property that Client represents Client owns, but which are not held In the Account at the time of
sale, and Client falls to make delivery by settlement date, DBSI has the right to purchase or borrow any Securities
and Other Property necessary to make the required delivery. Client agrees to compensate DBSI for any loss or cost,
including interest, commission or fees sustained as a result of the foregoing. DBSI charges interest on unpaid
balances in cash accounts from the dose of business on settlement date. See the Annual Disclosure Statement, at
hitp://www.pwm.db.comramericasienrannualdisciesurestatement.html for additional Information on interest charges.
7. Restrictions on Trading. 0851 has the right to prohibit or restrict Client's ability to trade Securities and Other
Property, or to substitute securities in Client's Account.
8. Restricted Securities. Client will not buy, sell or pledge any Restricted Securities without DBSI's prior written
approval. Prior to placing any order for Restricted Securities subject to Rule 144 or 146 of the Securities Act of 1933,
Client must identity the status of the securities and furnish DBSI with the necessary documents (Including opinions
of legal counsel, If requested) to obtain approval to transfer and register these securities. DBSI will not be liable for
any delays In the processing of these securities or for any losses caused by these delays. DBSI has the right to
decline to accept an order for these securities until the transfer and registration of such securities has been approved.
9. Order Placement and Cancellation/Modification Requests. When Client verbally places a trade with a Client
Advisor. Client will be bound to the oral confirmation repeated back to Client, unless Client objects at the time of the
order. Client understands that requests to cancel/modify en order that DBSI accepts are on a best efforts basis only.
10. Aggregation of Orders and Average Prices. Client authorizes DBSI to aggregate orders for Client Account(s) with
other orders. Client recognizes that in so doing. Client may receive an average price for orders that may differ from
the price(s) Client may have received had the orders not been aggregated. Client understands that this practice may
also result in orders being only partially completed.
11. Transmission of Instructions. Client understands and accepts responsibility for the transmission of instructions to
DBSI and will bear the risk of loss arising from the method of transmission used In the event of transmission errors,
misunderstandings, impersonations, transmission by unauthorized persons, forgery or intercepts. Except In the case
of gross negligence, Client agrees to release and indemnify 0651. its affiliates, employees and directors from any
and all liability arising from the execution of transactions based on such instructions.
12. Role of Certain Third Parties. DBSI engages a third-party clearing agent. Pershing. Client understands that Pershing
is the custodian of Client's assets, clears and settles all transactions, and extends credit on any margin purchases,
where applicable. Client further understands that Pershing may accept from OBSI. without Inquiry or Investigation:
orders for the purchase or sale of Securities and Other Property on margin or otherwise, and (II) any other
instructions concerning Account(s). Client further understands that the contract between DBSI and Pershing. and the
services rendered thereunder, are not Intended to create a joint venture, partnership or other form of business
organization of any kind. Pershing shall not be responsible or liable to Client for any acts or omissions of DBSI or its
employees. Pershing does not provide Investment advice, nor offer any opinion on the suitability of any transaction
or order. 0851 Is not acting as the agent of Pershing. Client cannot hold Pershing. its affiliates and its officers.
directors end agents liable for any trading losses that Client incurs.
13. Liens. Client hereby grants to DBSI and Its Affiliates a security interest in and lien upon all Securities and Other
Property in the possession or control of DOSE any of its Affiliates or Pershing, In which Client has an interest (held
individually, jointly or otherwise) (collectively all such Securities and Other Property are referred to herein es
"Collateral') m order to secure any and all indebtedness or any other obligation of Client to ()BSI and its Affiliates or
Pershing (collectively, all such obligations are referred to herein as the 'Obligations"). Clients who are joint
accountholders (Joint Accountholders) acknowledge and agree that pursuant to the lien to DBSI and Affiliates, the
Collateral shall include Securities and Other Property held in the Account or any other account held by either Joint
Accountholder with DBSI or its Affiliates or Pershing (whether individually, jointly or otherwise) and shall secure any
and all Obligations of each Joint Accountholder to DBSI and its Affiliates or Pershing. With respect to the lien
granted to DBSI and its Affiliates, D651 (or Pershing, at 0851's instruction) may, at any time and Without prior notice,
sell, transfer, release, exchange, settle or otherwise dispose of or deal with any or all such Collateral in order to
satisfy any Obligations. In enforcing this lien, DBSI shall have the discretion to determine what and how much
Collateral to apply for the purposes of the foregoing. Notwithstanding the foregoing, nothing herein shall be deemed
to grant an interest In any Account or assets that would gem rise to a prohibited transaction under Section 4975(c)(1)
(8) of the Internal Revenue Code of 1986, as amended, or Section 406(a)(003) of the Employee Retirement Income
Security Act of 1974. as amended. Securities and Other Property held in Client's retirement account(s) maintained by
DBSI, which may include IRAs or qualified plans, are not subject to this lien and such Securities and Other Property
may only be used to satisfy Client's indebtedness or other obligations related to Client's retirement account(s),
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14. Satisfaction of Indebtedness and Assignment of Rights. Client agrees to satisfy, upon demand, any indebtedness.
Including any Interest and commission charges end to pay the reasonable costs and expenses of collection of any
amount Client owes to DBSI, including reasonable attorneys' fees and court costs. Client agrees that 0851 or
Pershing may execute or assign to each other or any third party any rights or obligations Client granted under this
Account Agreement, including but not limited to the right to collect any Obligations, or liquidate any Securities and
Other Property held In Account(s).
15. Fees. Client understands that DI351 charges an Annual Account Fee for certain accounts and may charge service
fees, processing fees and/or other fees or commissions, for the transactions and other services provided, more fully
described in the Annual Disclosure Statement, at http://www.pwm.db.com/americes/ervannueldisclosurestatement
html. Client understands that these lees will be charged to Account(s) and authorizes DBSI to deduct such fees from
Client's Account(s).
16. No FDIC Insurance, Not Obligations of Any Bank. Client understands that the assets in Client's Account are subject
to the risk of partial or total loss due to market fluctuations or the insolvency of the issuer(s). The assets in Client's
Account (Including all related cash balances and shares of any Mutual Fund) are not deposits or other obligations of
DBSI, Deutsche Bank AG, Pershing or any other bank, are not guaranteed by DEISI, Deutsche Bank AG,
Administrator, Bank or any other bank, and are not Insured by the Federal Deposit Insurance Corporation (FDIC).
Monies held in the Insured Deposit Program (IOP) may be FDIC insured while those monies are held in a depository
account at a participating bank as described in the IDP Terms and Conditions. Client may from time to time be
offered investment products for which DBSI or Deutsche Bank AG is en obligor. These products may be complex,
may not provide for the return of the full amount of principal invested or for the payment of a fixed rate of interest
(or any interest) and will not usually be covered by FDIC Insurance, unless otherwise disclosed in the written offering
documents for such products.
17. Cash Sweep Selection. Client agrees to contact 0851 regarding the selection of Cash Sweep Options and
understands that Client's choice of Cash Sweep Options may be limited to money market mutual funds or
deposit products that are unaffiliated with DBSI if Client's Account is an individual retirement account or an ERISA
aocount, or if DBSI is acting as Client's Investment adviser. Client understands that any funds Client has on deposit
with the banks participating in IDP will be allocated among such banks in a manner described in the IDP Terms
and Conditions.
18. Credit Information and investigation. Client authorizes DBSI and Pershing to obtain reports concerning Client's
credit standing and business conduct at their discretion without notifying Client. Client also authorizes DBSI to share
among service providers (as set forth herein) and DBSI Affilates such credit related and business conduct
information end any other confidential Information DBSI, Deutsche Bank AG and such Affiliate(s) may have about
Client and Client's Account, in accordance with DBSI's Privacy Policy and Applicable Law. DBSI and Pershing will
provide Client with a copy of each of their Privacy Policies shortly after execution by Client of this Agreement. Client
may request a copy of Client's credit report, and upon request, DBSI will identify the name and address of the
consumer reporting agency that furnished it.
19. Confirmations, Statements end Other Communications. Client agrees to notify 0851 in writing, within ten (10) days
after transmittal to Client of a confirmation, of any objection Client has to any transaction in Client's Account(s). In
the absence of such written notification, Client agrees that all transactions in Client's Account(s) will be final and
binding. Client understands objections must be directed to the Branch Supervisor in writing, at the address on
Client's account statement or confirm. For more information on how confirmations and account statements are
delivered, please refer to the Appendix to this Account Agreement.
20. Recording Conversations. Client consents to DB51 recording any or all telephone calls with Client.
21. Joint Accounts.
a. Unless Clients specify "tenants in common" or "community property: Clients authorize DBSI to designate a joint
account as "joint tenants with right of survivorship," or as 'tenants by the entireties" if Clients are married and
reside in a state that recognizes said designation for personal property. Clients agree that Joint accounts will be
carried by DBSI on Pershing's books In the form reflected by the Account name appearing on the account
statement. In the event that the Account is a joint tenancy with right of survivorship or a tenancy by the
entireties, the entire interest in the joint Account shall be vested in the survivor or survivors on the same terms
and conditions as before the death. The survivors and the estate of the deceased Accountholder will Indemnify
DBSI for any loss incurred through treatment of the Account as provided herein.
b. Clients agree that each party to the joint account shall have authority to deal with DBSI as If each were the sole
Account owner, all without notice to the other Account owner(s). Clients agree that notice to any Account owner
shall be deemed to be notice to all account owners. Each Account owner shall be jointly and severally liable for
this Account. DBSI may follow the instructions of any owner concerning this Account and make deliveries to any
owner, of any or all property and payment even if such deliveries and/or payments shell be made to one owner
personally and not to an of the Account owners. DBSI shall be under no obligation to inquire into the purpose of
any such demand for delivery of securities or payment and shall not be bound to see to the application or
disposition of the securities and/or monies so delivered or paid to any Account owner. Notwithstanding the
foregoing. DBSI may require Joint action by all account owners with respect to any matter concerning the
account, including the giving or cancellation of orders end the withdrawal of monies, Securities and Other
Property. In the event DBSI receives conflicting instructions from any owner, it may in Its sole discretion: (a)
follow any such Instructions, (b) require written or verbal authorization of both, all or any owner before eating on
the instructions from any one owner, (c) send the assets of the Account to the address of the account or (d) file
an Interpleador action in an appropriate court to let the court decide the dispute.
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c. In the event of the death of any owner, the survIvor(s) shall immediately give DBSI written notice thereof. DBSI
may, before or after receiving such notice, take such action, require such documents, retain such securities and/
or restrict transactions in the Account as necessary for its protection against any tax, liability. penalty or loss
under any present or future laws or otherwise. Any cost resulting from the death of any owner, or through the
exercise by any decedent's estate, survivors (including other Account owners) or representatives of any rights in
the Account shall be chargeable against the interest of the survivor(s) as well as against the Interest of the estate
of the decedent. The estate of the decedent and each survivor (including other Account owners) shall continue
to be jointly and severally liable to DBSI for any obligation of the joint account or net debit balance or loss in said
account until such time as DB51 distributes the assets In accordance with Clients' Instructions.
22. Non-disclosure of Confidential and Material, Non-public information. During the course of business, employees of
DB51 may come into possession of confidential and material non-public Information. Under Applicable Law, such
employees are prohibited from improperly disclosing or using such information for their personal benefit or for the
benefit of any other person, regardless of whether such other person Is a Client of DBSI. Client understands that
under Applicable Law, DBSI employees are prohibited from communicating such Information to Client and that
DBSI shall have no responsibility or liability to Client for falling to disclose such information.
23. Third Party Authorization; No Agency. Client agrees that if Client authorizes third party(ies) (including, without
limitation, any Investment advisor or money manager) to act on Client's Account, such third party(ies) shall be
bound by the Terms and Conditions of this Account Agreement. Client further agrees that unless otherwise agreed
to in writing by DBSI, third party(les) authorized by Client to act for Client, whether or not referred to Client by DBSI,
islare not, and shall not be deemed agents of DBSI and DBSI shall have no responsibility or liability to Client for any
acts or omissions of such third party, or any officers. employees or agents thereof.
24. No Legal. Tax or Accounting Advice. Client acknowledges and agrees that: (a) neither DBSI, nor Pershing, provide
any legal, tax or accounting advice, (b) neither DBSI nor Pershing employees are authorized to give any such advice
and fa) Client will not solicit such advice or rely upon such advice given in error, whether or not in connection with
transactions in or for any of Client's Account(s). In making legal, tax or accounting decisions with respect to
transactions in or for Client's Account(s) or any other matter, Client will consult with and rely upon Client's own
advisers, and not DBSI. Client acknowledges that DBSI shall have no liability therefore.
25. Limitation of Liability. Client agrees that, unless otherwise provided in any other agreement between Client and
0651 or under Applicable Law, DBSI shall not be liable for any loss to Client except in the case of DB51's gross
negligence or willtul misconduct. DBSI shall not be liable for loss caused directly or indirectly by government
restrictions, exchange or market rulings, suspension of trading, war, strikes, act of foreign or domestic terrorism or
other conditions beyond DBSI's control. DBSI shall not be liable for any damages caused by equipment failure.
communications lino failure, unauthorized access. theft. systems failure end other occurrences beyond 0851's control.
26. Customer InquIries/Customer Complaints. For general inquiries, Client will contact the Client Advisor or Branch
Supervisor assigned to Client's Account(s) for questions or assistance on any matter relating to these AccountIsl.
Client must direct all formal complaints against 0651 or any of its employees to Deutsche Bank Securities Inc.,
Compliance Department - Client inquiries, 60 Wall Street, 23rd Floor, Mail Stop NYC80-2330, New York, NY
10005-2836 or Client may call (212)260-1085.
27. Entire Understanding. This Account Agreement contains the entire understanding between Client and DBSI
concerning the subject matter of this Account Agreement and there are no oral or other agreements In conflict
herewith. The Terms and Conditions of this Account Agreement shall apply to each and every account end,
collectively, any and all funds, money. Securities and Other Property that Client has with DBSI and supersedes any
prior Account Agreement Client may have signed with DBSI. Client acknowledges that Client may be required to
enter into separate agreements with respect to products or services offered by or through DBSI or its affiliates.
28. Right to Terminate or Amend. Client agrees that DBSI has the right to terminate this Account Agreement and close
any related accounts or amend the Terms and Conditions of this Account Agreement at any time and for any reason
by sending written notice of such termination or amendment to Client. Any such termination or amendment shall be
effective as of the date that DBSI establishes. Client cannot waive, alter, modify or amend this Account Agreement
unless agreed in writing and signed by DB51. No failure or delay on the part of DBSI to exercise any right or power
hereunder or to insist at any time upon strict compliance with any term contained in this Account Agreement, shall
operate as a waiver of that right or power or term.
29. Controlling Law. This Account Agreement shall be deemed to have boon made in the State of New York and shall
bo construed, and the rights of the parties determined, in accordance with the laws of the State of New York and
the United States, es amended, without giving effect to the choice of law or conflict•of-laws provisions thereof.
30. Headings. Paragraph headings are for convenience only and shall not affect the meaning or interpretation of any
provision of this Account Agreement.
31. Assignment, Separability, Survivability. This Account Agreement shall be binding upon Client's heirs, executors,
administrators, personal representatives and permitted assigns. It shall inure to the benefit of DBSI's successors and
assigns, or any successor clearing broker, to whom DBSI may transfer Client's Account(s). DOS: may, without notice
to Client, assign the rights and duties under this Account Agreement to any of its Affiliates, or to any other non-
affiliate entity upon written notice to Client. If any provision or condition of this Account Agreement shall be held to
be invalid or unenforceable by any court, administrative agency or regulatory or self-regulatory agency or body,
such invalidity or unenforceability shall attach only to such provision or condition. The validity of the remaining
provisions and conditions shall not be affected thereby and this Account Agreement shall be carried out as if any
such invalid or unenforceable provision or condition were not contained herein.
32. The provisions of this Account Agreement governing arbitration (Section III), controlling law (Section 11.29) and
limitation of liability (Section 11.25) will survive tho termination of this Account Agreement.
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III. ARBITRATION
1. This section of the Account Agreement contains the pro-dispute arbitration agreement between Client and DBSI and
Pershing, as applicable, who agree as follows:
a. All parties to this Account Agreement (being Client, 0651 and Pershing) ere giving up the right to sue each other
In court, including the right to a trial by Jury, except as provided by the rules of the arbitration forum in which a
claim is filed, or es prohibited by Applicable Law;
b. Arbitration awards are generally final and binding; a party's ability to have a court reverse or modify an
arbitration award is very limited:
c. The ability of the parties to obtain documents, witness statements end other discovery is generally more limited
in arbitration than in court proceedings;
d. The arbitrators do not have to explain the reasons) for their award, unless, In an eligible case, a joint request for
an explained decision has boon submitted by all parties to the panel at least 20 days prior to the first scheduled
hearing date;
e. The panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with the
securities industry;
f. The rules of some arbitration forums may impose time limits for bringing a claim in arbitration. In some cases, a
claim that is ineligible for arbitration may be brought In court and
g. The rules of the arbitration forum in which the claim is filed, and any amendments thereto, shall be Incorporated
Into this Account Agreement.
2. Subject to the preceding disclosure, Client agrees to arbitrate any controversies or disputes that may arise with
DBSI or Pershing, whether based on events occurring prior to, on or subsequent to the date of this Account
Agreement, and Including any controversy arising out of or relating to any Account with DBSI, the construction,
performance or breach of any agreement, or any duty arising from any agreement or other relationship with DBSI, to
transactions with or through 0651, or any controversy as to whether any Issue Is arbitrable. My arbitration under
this Account Agreement shall be determined only before an arbitration panel set up by FINRA in accordance with its
arbitration procedures or an exchange of which DBSI is a member In accordance with the rules of that particular
regulatory agency then in effect. Client may elect in the first Instance whether arbitration shall be by FINRA or a
specific national securities exchange of which DBSI is a member, but failure to make such election by registered
letter to Deutsche Bank Securities Inc., Compliance Department - Attention: Director of Compliance, 60 Wall Street,
23rd Poor, Mail Stop NYC80-2330, New York, NY 10006-2836 within five days after receipt of a written request
from DB51 for such election, gives DBSI the right to elect the arbitration forum that will have jurisdiction over the
dispute. Judgment upon arbitration awards may be entered in any court, state or federal, having jurisdiction. Any
arbitration under this Account Agreement will be conducted pursuant to the Federal Arbitration Act and the laws of
the State of New York.
3. Neither DBSI, Pershing nor Client(s) waive any right to seek equitable relief pending arbitration. No person shall
bring a putative or certified class action to arbitration, nor seek to enforce any pre-dispute arbitration agreement
against any person who has initiated in court a putative class action or who is a member of a putative class who has
not opted out of the class with respect to any claims encompassed by the putative class action until: (a) the class
certification is denied, or (b) the class is decertified, or (c) the Client is excluded from the class by the court. Such
forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this agreement
except to the extent stated herein.
]THIS SPACE INTENTIONALLY LEFT BLANK]
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IV. TAX ELECTION/DECLARATION OF TAX STATUS
This Account Agreement Is designed for use by both U.S. Persons and Non-U.S. Persons. Please check the box next to the applicable item below.
client certifies that Client wit notify ',Mile writing immediately h the representation candied to below ceases to be we and correct.
1.0
U.S. Citizen or U.S. Resident Alien
Form W9 Request for Taxpayer Identification Number and Certification
Substitute
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g Chock appropriate box for f tare tax clawifiCation (roduired):
iF j Individual/sole proprietor II C Corperadon El S Corporation 0 Partnership El Trustlerowe q Exempt payee
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0 Limited liabilltzeompany. Ent1er ,th,e. ta.x, c,lmassipficeatiwon (C=C corporation, S.S corporation, Pepartnenhlp) R
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I l l Taxpayer Identification Number (TIM
Ken
Enter your TIN hi the appropriate box. The TIN provided must match the name gtven on the -Name" One LLL-Malt1
to avoid backupwithholding. For IndNIduals. this is your social security number ISSN). For other ctn.—,
entitles, it Is your employer intlflcation number (EIN). leant ilii•etien hinnther
Vint It Certification
Undo. penalties of perjury, 1 certify that:
1. The number shown on INs form Is my correct taxpayer identification number for I am welling for a number to be Issued to men. and
2. I am not subject to backup withholding because: jail am exempt frorn backup withriording, or (b) i have not been notified by In. intents' Reim nim
Sendai fill151 that I am subject to backup withholding as • result of a failure to report all interest or dtvIdends, or (ci the IRS has notified mental I am
no longer subject to backup withholding. end
3. I am] U.S. cater or other U.S. OM see 'defined In the
Certification instructions. You must cross out herb 2 above If yon have been notified by the IRS that you are currently subject to backup withholding
because you have felled to report as interest and eivalonetan your tax return.
Sign Uwe of 9/94?
Here e
2.EINcet-U.S. Person
I am not a U.S. person (including • resident alien). I am submitting the applicable Form W-8 with this loam to certify my foreign status and. h sppllcah!a.
claim tax treaty benefits.
For example: Client is not a U.S. person (Including • U.S. resident alien). Cllem sprees to provide OBSI with this application the applicable Internal Revenue
Service MRS) Form W-8 to certify the client's foreign status. W.8 forms end instructions are available on the IRS webshe at www.irs.gov.
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BY SIGNING BELOW CLIENT ACKNOWLEDGES THAT: CH CLIENT HAS RECEIVED. READ AND AGREES TO THE TERMS AND CONDITIONS Of THIS
ACCOUNT AGREEMENT, INCLUDING THE APPENDIX WHICH CONTAINS IMPORTANT INFORMATION: AND (2) THE INFORMATION CONTAINED IN THIS
ACCOUNT APPUCATION IS ACCURATE.
CUENTACKNOWLEIXTESTHAT THIS ACCOUNT AGREEMENT CONTAINS A PRE-DISPUTE ARBITRATION CLAUSE ATSECTION IX PAGE.5,AND CLIENT
AGREES TO ITS re .(ALL ACCOUNT AGREEMENT SIGNATORIES MUST INITIAL).
INITIAL Net
THE INTERNAL Ii UE SERVICE DOES NOT REQUIRE CLIENTS CONSENT TO ANY PROVISION OF THIS DOCUMENT OTHER THAN THE CERTIFICATION
REQUIRED TO A aID BACKUP WrTKHOLOING. AND. IF APPLICABLE, THE CERTIFICATION REQUIRED TO ESTABLISH CLIENT'S STATUS AS A NON-U.S.
PERSON MD OBTAIN A REDUCED RATE OF WITHHOLDING.
Important Information for ERISA employee benefit pion dents:US Department or tabor regulations require 0851 to disclose to a rosponsitee plan fiduciary
certain Worm/Won h connection with the services that DBSt provide. to a plan. to .wain the fiduciary in evaluating the reasonableness of DIM's sambas and
related compensation. The disclosure s available online. at Mtp:Awnv.pwm.dboorritemericesrenforise..dtstiosum_pcs.hinat By signing below. you acknowledge
that you are a fiduciary responsible for the procurement of DEISPs seryloes to the plan. you have read the disclosure and you understand the disclosure.
Individual or joint account (IF THIS IS A JOINT ACCOUNT. ALL ACCOUNT OWNERS MUST SIGN):
CONFIRMATION OF TAX AND COMPLIANCE RESPONSIBILITIES
Client acknowledges having sole responsibility to TONI any tax obligations and any other regulatory reporting duties applicable In any relevant jurisdictions that
may arise in connection with yam. Income or transactions In Client's account(s) and business relationship with DBSI.
CHECK A BOX BELOW ONLY IF CLIENTS DO NOT WANT JOINT TENANTS WITH RIGHTS OF SURVIVORSHIP OR TENANTS BY THE ENTIRETIES.
CLIENTS SPECIFY INSTEAD:
q Tenants In common: or
Comm tinily Property (for married couples In certain states; each spouse retains 60% Interest in the cornmtrity property upon death of the first spouse).
Signature Data
Print Name SSWEIN
Signattn Date
PAM Name SSNIEIN
Signature Date
Print Name SSN/T.Ii
Corporation, pennon:01A frost or other erlaitY:
CONFIRMATION OF TAX AND COMPLIANCE RESPONSIBILITIES
CIIINK acknowledges hiving eolo responsibility to TWIST any tax obligations and any other zonu:ai my reporting duties applicable to it any i cloven( iurisdiclions
thistrnim arse in connection with assets, income or unctions In Client's ACCuuntio) and business firlatIonsher with 0851. furthermore. Gaunt cordons that the
npripesiN fnformailon (to the host olCilem's knowledge and capabilities) is trade available no less than ennualty to the relevant tanatici0 owner(s), SettlOcOf,
beineliderylbs), Reinert's). etc. to enable such persona) to fulfill any respective lex obagation3 that may Mss for, such porson)ui n ea:mambo with Clieets
/Waimea relationship '.Mill 1)051.
Name Entity J. Epstein Virgin blonde Foundation. Inc
of Employer ID
(///5/i;
Signature el Oltioar Partner, Trustee Aulhottual.Parbk Date
Print Namenhie t,r„1 1 19.4+;ti "Oft itust
Signature of Officer. Partner, Trustee. Authorized Party .Date
PtIM Name/Title
Signature of Officer. Penner, Trustee. Authorized Party Date
Print Nemafiltle
13-AWLS-Oise
7 012145.032813
SDNY_GM_00037856
CONFIDENTIAL
CONFIDENTIAL — PURSUANT TO FED R CRIM. P. 6(e) DB-SDNY-0000680
EFTA_00148465
EFTA01282373

(≥J Current Classification: (dick here for help) Internal
KCP Exceptions [I)
Amy Horak Zbynek Kozelsky 11/03/2014 12:41 PM
Cc SBOM, Zia Memon
Classification: For internal use only
After our review with Zia last week, le lions below. I also spoke to Dawn, and if there
is any issue that isn't abl o- a dressed, New Accounts wi me.t>ck to us to further review.
Sou em Financial: BSO Exception granted to accept agreement on file fa-to its rlirror acct
7/2/13 - just never sent to new accts)
and processed correctly. No issues there. A/C opened o
econdary a is account is missing client agreement.
this client has accounts at this point under various entities)
tat
Secondary N4G_026161_Cleint Agreement_W9.pdf
J. Epstein-Virgin_IslandEoundation-BSO Esrd—ePtion granted to accept agreement attached below
3/2 1 ion signed 9/13/13, never sent up to new accounts)
account opened 09/24/2013.
JE Foundation Acct. Agmt. 9.30.14.pdf
And we agreed to this (emails complete email is below)
"Per our review and conversation earlier today, please note BSO Exceptions granted to accept older
account agreements provided that Undated W9s are on file for any accounts opened 7/1/14 or later, and
Cash Sweet) Letter is obtained for any Accounts opened 3/1/14 or later."
With that I would like to add three more accounts to that - is that possible?
Yadegar O Exception granted to accept agreement attached below For ACCT
AGREE N I HMI-USES ONLY - not W-9, as that is not required at this time (3/19/14 version signed
7/16/14,)
- Account opened: 12/14/2011,
SDNY_GM_00037857
CONFIDENTIAL
CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) DB-SDNY-0000681
EFTA_001 48466
EFTA01282374

- Initial client agreement coded correctly.
- Clients would like to add a third person to the account. Due to the delay from their side we have the
March 2014 version of the agreement and W9.
Car
N4G_016626_Agreement_W9.pdf
Cohen SO Exception granted to accept account agreement only - updated W-9 with
FATCA has been provided and will be coded separately.
- Account opened: 12/04/2013
- Client incorrectly filled out the initial W9
- Corrected W9 attached with FATCA
LTS COHEN W9 NEW.pdf
1217
2013.11.06 DB PWM Agreement - Cohen Living Trust.pdf
Gerber ISO Exception to accept account agreement only - updated W-9 with FATCA
has be will be coded separately.
- Account opened: 10/01/2013
- Client incorrectly filled out the initial W9
- Corrected W9 included with FATCA
C r- Ct
Deutsche Bank AWM Agreement - James & Linnea Gerber Living Trust.pdf Gerber W9.pdf
Kind regards,
Amy
Amy Horak
Vice President I Business Supervisory Office
Deutsche Bank Securities Inc
Deutsche Asset 8, Wealth Management
SDNY_GM_00037858
CONFIDENTIAL
CONFIDENTIAL — PURSUANT TO FED. R. CRIM. P. 6(e) DB-SDNY-0000682
EFTA_0014 8467
EFTA01282375