ac-rma 0708 final - wealth management usa · 2013. 11. 21. · account. online services

©2008 UBS Financial Services Inc. All rights reserved. Member SIPC. 1CL-INDIV (Rev. 7/08)

First Name Middle Name

Last Name

Citizenship: USA Other: (specify) __________________

– – Social Security Number

Passport/CEDULA and Green Card Number(If non-U.S. and no Social Security Number specified)

E-mail Address (optional)

Tax Bracket (optional)

Legal Residence Address Line 1

Legal Residence Address Line 2

City State Zip

Home phone: – –

Fax (optional): – –

Mobile (optional): – –

Have you moved in the past 6 months? No YesIf yes, please provide proof of residence at your current address.

`äáÉåí=fåÑçêã~íáçå=~åÇ=^ÖêÉÉãÉåí=Ñçê=fåÇáîáÇì~äëBasic Information

Any changes or correc-tions to the informationon this application mustbe initialed by you.

Complete a separate formfor each Sole Owner, PrimaryAccount Holder, JointAccount Holder, Minor,Custodian, Parent, Guardian,Committeeman orConservator.

If you have additional client addresses, please fill out the Additional ClientAddress Information form.

Legal Residence Addresscannot be a post officebox.

If you share assets withanother person, please pro-vide financial information(e.g. annual income, liquidassets, net worth) per indi-vidual. For example, a totalnet worth of $50,000should be split as you deemappropriate.

Date of Birth: / /Gender: Male Female

Marital Status:Single Married Divorced Widowed

Number of dependents:

Emergency Contact Name and Phone Number (optional)

Is the Client, the client’s spouse, any beneficial owners, orany trustees/executors affiliated with any securities firm,excluding UBS and its affiliates, broker/dealer subsidiary ofa financial institution, securities or commodities exchange,self-regulatory organization or the UBS auditor (currentlyErnst & Young)? (NYSE Rule 407)

No Yes, specify:

Firm

Is the Client an employee or related to an employee of UBS

AG, its subsidiaries or affiliates (e.g., UBS Financial Services

Inc., UBS Securities LLC)?No Yes, specify:

Affiliate/Subsidiary

Employee Name/SS#

Financial Information

Personal Information

Annual Income: $

Liquid Assets: $

Net Worth: $(exclusive of residence)

Do you derive a substantial amount of your income/wealth (over 50%) from a country outside of the UnitedStates? No Yes If yes specify,

Country(ies)

Investment Experience (in years):

Equities Bonds Futures

Options-Buy Options-Sell

Is the Client or spouse, any beneficial owners, trustees/executors, or any of their relatives who share the samehome, acting as an individual, a fiduciary, or corporateofficer, a control person of any publicly traded corpora-tion (i.e., policy-making officers, directors or 10% share-holders)? No Yes, specify:

Firm Percentage

Client ID

If you answer “yes” to theNYSE Rule 407 question, aletter of authorization fromthe firm specified must beobtained before theaccount can be opened.

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©2008 UBS Financial Services Inc. All rights reserved. Member SIPC. 2CL-INDIV (Rev. 7/08)

Client Agreement

BY SIGNING BELOW YOU ACKNOWLEDGE THAT YOU HAVE READ,UNDERSTAND AND AGREE TO THE FOLLOWING: A. Upon receipt you will review the Information About Your Relationship

With Us booklet section entitled What Relationship and PricingStructure is Appropriate for You. You understand the material distinc-tions between advisory and broker-dealer services and acknowledgethat this Account Application and the Client Relationship Agreementestablish a brokerage account, and UBS’ obligations as it pertains tothat account will be that of a “broker-dealer” as described in the dis-closure section and in the brokerage agreement.

B. You have received a copy of, read and understand this ClientInformation and Agreement for Individuals, the Account Applicationfor any account you are opening and the Client RelationshipAgreement.

C. You agree to be bound by the Client Relationship Agreement and thedocuments incorporated there by reference, the terms, conditions anddisclosures included in the New Account booklet and UBS VisaSignature Credit Card Terms and Conditions, Loan DisclosureStatement, UBS RMA Money Funds Prospectus, and InformationAbout Your Relationship With Us to the same extent as if these termsand conditions were contained in this document.

The Client Relationship Agreement contains a predispute arbitra-tion in paragraph U on page 23 of the Resource ManagementAccount Application and page 15 of the IRA Account Application.

W-9 Form Certification

Under penalties of perjury, I certify that: (1) the number shown on thisform is my correct taxpayer identification number (or I am waiting for anumber to be issued to me), and (2) I am not subject to backup withhold-ing because: (a) I am exempt from backup withholding, or (b) I have notbeen notified by the Internal Revenue Service (IRS) that I am subject tobackup withholding as a result of a failure to report all interest or divi-dends, or (c) the IRS has notified me that I am no longer subject to back-up withholding, and (3) I am a U.S. citizen or other U.S. person (definedin the instructions).

Certification Instruction: You must cross out item (2) above if you havebeen notified by the IRS that you are currently subject to backup withhold-ing because you have failed to report all interest or dividends on your taxreturn.

The Internal Revenue Service does not require your consent to anyprovision of this document other than the certifications required toavoid backup withholding

Signature

Print Name Date

Sign Here

Employment Information

Status (select one):

Employed Self-Employed StudentRetired Self-Supported VolunteerUnemployed Work in the Home

Occupation

Industry (i.e., Construction, Service, etc.)

Employer Name

Employer’s Street Address

City State Zip

– – Business Phone (optional)

– – Business Fax (optional)

If the information in this form is for a minor on a custodial account the custodian (adult) on the account must sign above.

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Occupation, Industry,Employer Name andAddress are only requiredif your employment statusis “employed” or “self-employed.”

U.S. Federal law requires us to obtain, verify and record information that identifies each person or entity that opens an Account with us. When youopen an Account, we will ask for your name, a street address, date of birth, and a tax identification number, such as a social security number. We mayalso ask to see a driver’s license or other identifying documents that will allow us to identify you.

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©2008 UBS Financial Services Inc. All rights reserved. Member SIPC. 1AC-RMA (Rev. 7/08)

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Return Objective: (select one)

Capital Appreciation: Investments seeking growth of principal rather than the generation of income.Current Income and Capital Appreciation: Investments seeking both the generation of income and the growth ofprincipal.Current Income: Investments seeking the generation of income.

Primary Risk Profile: (select one)

Aggressive/Speculative Moderate Conservative

Secondary Risk Profile: (Optional, this may be applicable if you intend to engage in options trading)

Aggressive/Speculative Moderate Conservative

Aggressive/Speculative:Seeks the potential forsignificant appreciation;willing to accept a highdegree of loss of principal.

Moderate: Seeks potentialreturns with a lower risk ofloss of principal.

Conservative: Seekssecurities that are mostlikely to preserve principalwith low risk.

Account Investment Objectives

Product and Account Ownership

RESOURCE MANAGEMENT ACCOUNT® (RMA®) (select one)

Sole Owner Custodian (UGMA/UTMA) Guardian/Committeeman/Conservator

Joint Owners (Please read the joint account section of the New Account booklet carefully)

Community Property Tenants by Entirety Joint Tenants with Rights of SurvivorshipTenants in Common (Specify percentage of ownership; if no percentage is indicated, ownership will be divided equally (50/50))

Primary Account Holder Percent: % Joint Account Holder Percent: %Joint Community Funds

COLLEGE FUND 529Sole Owner Custodian (UGMA/UTMA)

Account Title

Account Address:

Account Number

Account Address Line 1

Account Address Line 2

City State Zip

Location of Address:

Home: Legal Residence Secondary Business: Primary Secondary

Other: (specify)

Must equal 100%

Primary Account Holder/Minor Name SSN Joint Account Holder/Custodian Name SSN

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Any changes or correc-tions to the informa-tion on this applicationmust be initialed byyou.

Senior Political Affiliation

Are you, any authorized signatories, beneficial owners, trustees, power of attorneys or other individuals with authori-ty to effect transactions, or any of their immediate family members or close associates a:

I) Current U.S. political official (as defined in section I-B on page 6)? Yes No If yes, complete additionalinformation on page 6.

II) Current or former Senior non-U.S. political official, non-U.S. Religious Group/Organization, or Senior/Influentialrepresentative of a non-U.S. Religious Group/Organization? Yes No If yes, complete additional infor-mation on page 6.

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UBS Bank USA Deposit Account Sweep Program- For Individual, Joint and PACE Accounts

Please indicate the source of funds in the account: (Check all that apply.)

Income from current/previous employment or business. If you are not currently employed, provide the following information from your last employment.

Occupation Employer Name City State

Inheritance-from whom: Gifts-from whom:

Sale of Real Estate-location: Legal Settlement

Sale of Business-name: Other-specify:

Source of Funds

If funds are frominvestments transferredfrom another firm, please indicate the source of funds to purchase theinitial investments.

Account Number

Uninvested cash balances in Resource Management Accounts (RMA), with some exceptions, will be automaticallydeposited into the UBS Bank USA Deposit Accounts. Please see the Client Relationship Agreement and New Accountbooklet for important information related to the Deposit Account Program.

Check here to cap the amount of uninvested cash that will sweep into the Deposit Account, and select a secondarysweep option below:1

If you do not want to sweep into the Deposit Account you can select one of the sweep options below:

RMA Money Market Portfolio New York Municipal Fund New Jersey Municipal Fund

California Municipal Fund Tax-Free Fund U.S. Government Portfolio

Puerto Rico Short Term Investment Fund, Inc. (For Puerto Rico residents only)4

New York Municipal Fund New Jersey Municipal Fund California Municipal Fund

Tax-Free Fund Puerto Rico Short Term Investment Fund, Inc. (For Puerto Rico residents only)4

CAP ELECTION

The cap is $100,000 forindividual accounts or$200,000 for jointaccounts, in each case ona per account basis.

RMA Money Market Portfolio New York Municipal Fund New Jersey Municipal Fund

California Municipal Fund Tax-Free Fund U.S. Government Portfolio

Puerto Rico Short Term Investment Fund, Inc. (For Puerto Rico residents only)4

ALTERNATIVES TO THEDEPOSIT ACCOUNT2,3

Non-Deposit Account Sweep of Uninvested Cash Balances2,3 - For Managed Programs Only, except PACE

1If you have multiple accounts at UBS Financial Services held in the same recognized legal capacity that will sweep into the UBS Bank USA Deposit Account Sweep Option, once cashin your accounts exceeds in the aggregate the applicable $100,000 or $200,000 threshold, then your aggregate funds on deposit with UBS Bank USA will exceed FDIC insurancecoverage limits. UBS Financial Services will not be responsible for any insured or uninsured portion of the Deposit Accounts. (Refer to the UBS Financial Services Deposit AccountSweep Program Disclosure Statement for more details.) 2Money market funds are sold by prospectus only, are NOT FDIC-INSURED, NOT BANK GUARANTEED, AND MAY LOSE VALUE.3State municipal funds are designed for residents of those states, respectively. 4Puerto Rico Short Term Investment Fund, Inc. is offered exclusively to Puerto Rico residents as definedin the Fund’s prospectus. The Fund is not a money market fund registered under the U.S. Investment Company Act of 1940, does not comply with rules applicable to U.S. registeredfunds and presents a higher degree of risk than those funds. The Fund is sold by prospectus only, is NOT FDIC-INSURED, NOT BANK GUARANTEED, AND MAY LOSE VALUE. ForPuerto Rico residents holding accounts with UBS Financial Services Incorporated of Puerto Rico only.

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General Account Features

1Margin is not suitable for all clients. Please review UBS Financial Services’ Loan Disclosure Statement carefully for information on the risks involved with using margin. 2Day trading means purchasing and selling or selling and purchasing the same security in the same day in a margin account. “Pattern day trading” means executing four or more day trades withinfive business days if the number of day trades exceeds six percent of the total trades during that period.

MARGIN1

Accounts automatically come with margin unless they are Retirement, UGMA/UTMA, Estate, 529 Plan, or certainother accounts. Most managed programs cannot have margin.

Check here if you do not want margin. If your account will have margin, answer the following questions: 1 Do you intend to engage in “pattern day trading” as defined by NYSE Rule 431?2 Yes No

2 Do you have any other margin accounts with UBS Financial Services Inc.? Yes No If yes, complete:

Account Number Account Number Account Number Account Number

DIRECT DEPOSITIf you would like to have your payroll or other recurring payments automatically deposited into your account, com-plete the Direct Deposit Application on page 14.

DUPLICATE PARTIESIf you would like duplicate trade confirmations and statements sent to additional individuals, complete the duplicateparty form on page 6.

Resource Management Account Features

The following features are automatically included in each Resource Management Account® (RMA®): UBS Resource Card Program, CheckWriting, and Electronic Funds Transfer and Bill Payment services. Please fill in the information below to complete enrollment in thesefeatures. This account may be subject to an annual fee as described in the New Account booklet.

Note, Custodial and Guardian accounts are not eligible to apply for the UBS Visa Signature credit card.

Indicate how your name(s) should appear on your UBS American Express Card(s) and your UBS Visa Signature creditcard(s):

Applicant Name (not exceeding 26 characters)

Co-Applicant Name* (if applicable) (not exceeding 26 characters) Requested Revolving CreditLine (optional) For UBS VisaSignature credit card only

Do you own or rent your home? Own Rent

Mother’s Maiden Name: ___________________________________________________

* Joint Owners are not required to apply jointly for the UBS Visa Signature credit card. If you want to apply individ-ually leave the “Co-Applicant Name” field blank.

Delivery: Standard (default) Overnight (Fees may apply)

UBS RESOURCE CARDPROGRAM1

, .

Includes the UBSAmercian ExpressCard®2 and UBS VisaSignature® creditcard3, including UBSRewards4.

1Only account owners can be issued cards in this section. Other individuals must be designated on the Authorized Agent/Dual Signor Addendum on pages 12-13.2Transactions with your UBS American Express Card are deducted automatically from your RMA account. See New Account booklet for details.3Transactions with your UBS Visa Signature credit card are billed separately from your RMA account. Note that you may request that your balances be paid each monthautomatically from your RMA account. Issuance of the UBS Visa Signature credit card is subject to review and approval by Barclays Bank Delaware. Please see the UBS Visa Signaturecredit card Terms and Conditions for rate, fee and other cost information.

4You will be automatically enrolled in the UBS Rewards program at no additional cost. The program allows you to earn points toward merchandise, travel and gift certificates.

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Choose the RMA Program Level for the account:

Select Level (default) - Includes UBS American Express Card and UBS Visa Signature credit card3. No additional annual fee.

Premier Level - Includes UBS American Express Card and UBS Visa Signature credit card3 and provides additional rewardsand benefits. $350 additional annual upgrade fee applies. See New Account booklet for further details.

Charter Level - Includes a UBS American Express Card and UBS Visa Signature credit card3 and provides additional rewards andbenefits. $1500 additional annual upgrade fee applies. See New Account booklet for further details. NNoottee:: To be eligible for Charter Level Program, you must hold a minimum of $5mm+ in assets and liabilities withUBS WMUS.

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Select a check style (select one): Wallet* (free) (default) 3-page desk 3-page business OtherTo request dual signature checks complete the Authorized Agent/Dual Signor Addendum on pages 12-13.

Delivery: Standard (default) Overnight (Fees may apply)

*Wallet checks are free; all other check styles involve a fee.

Check here for online access to account information.

CHECK WRITING

Name/Address toappear on checks

Check here if thesame as Name andMailingaddress on theaccount .

BILL PAYMENT SERVICE

ELECTRONIC FUNDSTRANSFER (EFT) SERVICE

ONLINE SERVICES

City State Zip

Alternate Mailing Address for Cards and Checks

Client Name

Address Line 1 - PO Box not permitted for cards

Address Line 2

City State Zip

Please indicate your access preference for each: (select one for each service)

Online (web) ResourceLineSM (phone) - If ResourceLine, complete pages 8-9

Online (web) ResourceLineSM (phone) - Complete pages 10-11

Resource Management Account Features continued

Account Number


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BY SIGNING BELOW, YOU ACKNOWLEDGE THAT YOU HAVE READ,UNDERSTAND AND AGREE TO THE FOLLOWING: A. Upon receipt you will review the New Account booklet section enti-

tled You & Us: Conducting Business with UBS. You understand thematerial distinctions between advisory and broker-dealer services andacknowledge that this Account Application and the ClientRelationship Agreement establish a brokerage account, and UBS’ obli-gations as it pertains to that account will be that of a “broker-dealer”as described in the disclosure section and in the brokerage agreement.

B. You have received a copy of, read and understand this ResourceManagement Account Application and the Client RelationshipAgreement.

C. You agree to be bound by the Client Relationship Agreement and thedocuments incorporated there by reference, the terms, conditions anddisclosures included in the New Account booklet and UBS VisaSignature Credit Card Terms and Conditions, Loan DisclosureStatement, UBS RMA Money Funds Prospectus, and Information AboutYour Relationship With Us to the same extent as if these terms and con-ditions were contained in this document.

The Client Relationship Agreement contains a predispute arbitra-tion in paragraph U on page 23.

D. If your Account is established with margin, you acknowledge thatwhen you use your margin privileges, we will hold the securities in yourAccount as collateral against the amounts you borrow, and you agreeto keep sufficient positions and margin in your Account to meet anymargin calls we might issue.

E. Unless you instructed your Financial Advisor otherwise, you are applyingfor both the UBS American Express Card and the UBS Visa Signaturecredit card and you agree to be bound by the terms and conditions stat-ed in the Client Relationship Agreement.

Account Agreement

Signature Print Name Date

Additional Party Signature Print Name Date

Sign Here

UBS Financial Services Inc. Branch Use Only

Is the FA registered in both the client’s state of residence and mailing address? Yes NoWhat was the initial transaction for this account? Buy Sell Deposit Transfer of AccountsInitial Trade Information: Security Name: Security Symbol: Value:$ or Shares:

How was the account obtained? Walk-In/Call-In /Mail-In Seminar-CEFS/Adv Svcs Existing Client Referral:Interest/Dividends: Monthly Weekly Hold in Account Account Settles: Assets in Account Equity DVP Government DVP Transfer/ShipSweep Fund: Bank Code: Plan Code: Assoc Code: Managed Account Code: Family of Account Code:

Check here to certify that the client has been informed of all possible sweep options.I attest that the client has been issued all required disclosure documents.

U.S. Federal law requires us to obtain, verify and record information that identifies each person or entity that opens an Account with us. When youopen an Account, we will ask for your name, a street address, date of birth, and a tax identification number, such as a social security number. We mayalso ask to see a driver’s license or other identifying documents that will allow us to identify you.

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©2008 UBS Financial Services Inc. All rights reserved. Member SIPC. 6D1 (Rev. 7/08)

Complete for each duplicate party

Check all that apply:

Trade Confirmation Recipient

Statement Recipient

Internal Location Code (UBS Financial Services Use Only):

Name of Duplicate Party

Address Line 1

Address Line 2

City State Zip

Citizenship:

USA Other: (specify)

Check all that apply:

Trade Confirmation Recipient

Statement Recipient

Internal Location Code (UBS Financial Services Use Only):

Name of Duplicate Party

Address Line 1

Address Line 2

City State Zip

Citizenship:

USA Other: (specify)

Client Name

Address Line 1

Address Line 2

City State Zip


Home: Legal Residence SecondaryBusiness: Primary Secondary

Other: (specify)

Client Name

Address Line 1

Address Line 2

City State Zip


Home: Legal Residence SecondaryBusiness: Primary Secondary

Other: (specify)

Complete for each additional address

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Senior Political Affiliation Additional Information

I) If you answered yes to section I on page 1, complete the information below:

A) Political Official’s Name:

B) Current Position: President Vice President US Cabinet MemberSpeaker of the House of Representatives Supreme Court JusticeChairman of the Joint Chiefs of Staff Ambassador

C) Relationship to Client(s): Self Immediate family member Close associateAssociated with business or trust

II) If you answered yes to section II on page 1, complete the information below:

Official’s/Organization’s Name:

Current or Former Position (include country name):

Relationship to Client(s): Self Immediate family member Close associateAssociated with business or trust

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©2008 UBS Financial Services Inc. All rights reserved. Member SIPC. 7D4 (Rev. 7/08)

DTCC/COD InstructionsIf your account is set up to deliver securities and cash to a third party (i.e.deliver versus payment), please provide either DTCC or Fed Wire instructions.

DTCC Clearing Number: Name of Delivering Institution: Internal Account Number:

Additional Information:

Del/Rec

Government Delivery Instructions

ABA Number: Bank Name: Department:

Third Party: Internal Account Number:

Other Instructions:

Physical Delivery:

ID Confirm Instructions

Institutional ID Number: Agent Bank/ID: Instructions Matrix: AID CID:

Internal Account Number of Receiving Bank: Internal Account Number of Institution:

Interested Party ID Number: Interested Party Internal Account Number:

Interested Party ID Number: Interested Party Internal Account Number:

Receive Physical Master Confirm: SID Indicator: GHMRW35:

Yes No Yes (on SID) No (Not on SID)

Special Instructions:

N Y

©2008 UBS Financial Services Inc. All rights reserved. Member SIPC. 8AC-FA (Rev. 7/08)

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The Bill Payment Serviceallows you to pay your bills and/or make paymentsto a third party vendorwithout writing and mailinga check. If paying bills viaResourceLineSM, completethe information.

Online Services clientscan set up Vendor/Payeeinformation online.

*Please note that RMA®

and Business ServicesAccount BSA® offers aneasy-to-use expense-codingsystem. Using pre-assignedletters (except H, I, J, O, Qand X), you may establishyour own expenditurecategories and track themeither on your UBS FinancialServices Inc. check registeror online. When writingchecks and submitting billpayments, be sure toindicate your expense code.For your convenience, allchecking and bill paymentexpense codes are totaledon your monthly premierstatement.

Please attach a separatesheet to add moreVendors/Payees.

VENDOR/PAYEE 1

Name of Vendor/Payee

Vendor/Payee Account Number

Vendor/Payee Street Address

City State Zip

Vendor/Payee Telephone Number *Expense Code(Optional)

Recurring Payments:

Recurring Amount ($100,000 maximum - ResourceLine)

($1,000,000 maximum - Online Services)

Frequency: (select one)

Weekly Bi-weekly MonthlyQuarterly Semi-annually Annually

Start Date (May not be greater than 1 year from the current date)

End Date (May not be greater than 30 years from the start date)

Final Payment Amount (specify if different from recurring amount)

On Demand Payments:

Payments permitted

Upon verbal authorization in an amount not to exceed

$________________________ ($100,000 if left blank)

VENDOR/PAYEE 2




City State Zip


Recurring Payments:








On Demand Payments:

Payments permitted


$________________________ ($100,000 if left blank)

On Demand Paymentsrequire the client’s verbalconsent for the branch toinitiate the payment.

Account Holder Signature Date Account Holder Signature Date

Client Authorization

I authorize UBS Financial Services Inc. to initiate payments indicated above (including adjustments for any entries made in error) from my RMA orBusiness Services Account BSA , and authorize UBS Financial Service Inc. to debit the same to such account. I authorize UBS Financial Services Inc.to make changes and/or cancellations to transactions requested by me.

I understand these instructions will remain in effect until UBS Financial Services Inc. has received written notification from me of termination ormodification in such time and manner as to afford UBS Financial Services Inc. a reasonable opportunity to act on it.

I authorize UBS Financial Services Inc. at its option to discontinue the Bill Payment service if I fail to maintain adequate funds in the RMA or BusinessServices Account BSA to cover my requested payments. All Bill Payments will be initiated in accordance with this authorization and the terms andconditions governing my RMA or Business Services Account BSA. I acknowledge that the initiation of electronic funds transfers must comply withapplicable U.S. law.

Sign Here

©2008 UBS Financial Services Inc. All rights reserved. Member SIPC. 9AC-FA (Rev. 7/08)

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VENDOR/PAYEE 3




City State Zip


Recurring Payments:








On Demand Payments:

Payments permitted


$________________________ ($100,000 if left blank)

VENDOR/PAYEE 4




City State Zip


Recurring Payments:








On Demand Payments:

Payments permitted


$________________________ ($100,000 if left blank)

Bill Payment Service continued

Please attach a separatesheet to add moreVendors/Payees.

On Demand Paymentsrequire the client’s verbalconsent for the branch toinitiate the payment.

AUTHORIZED EXTERNAL FINANCIAL INSTITUTION 1

Name of Financial Institution

ABA Routing Number Account Number

Account Title/Name

Account Type: Savings Checking

Financial Institution Telephone Number

External Account Permission: (select all that apply)Deposit to authorized external accountWithdraw from authorized external account

Recurring Transfers:

Recurring Amount ($100,000 maximum - ResourceLine)($1,000,000 maximum - Online Services)

Recurring Permission: (select one) must also be selected as an externalaccount permission above

Deposit to authorized external accountWithdraw from authorized external account





On Demand Transfers:


$________________________ ($100,000 if left blank)

AUTHORIZED EXTERNAL FINANCIAL INSTITUTION 2

Name of Financial Institution

ABA Routing Number Account Number

Account Title/Name

Account Type: Savings Checking

Financial Institution Telephone Number

External Account Permission: (select all that apply)Deposit to authorized external accountWithdraw from authorized external account


Recurring Amount ($100,000 maximum - ResourceLine)($1,000,000 maximum - Online Services)

Recurring Permission: (select one) must also be selected as an externalaccount permission above

Deposit to authorized external accountWithdraw from authorized external account







$________________________ ($100,000 if left blank)

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Non-UBS Financial Services Inc. AccountsComplete the information below for your accounts other than UBS Financial Services Inc. accounts. Please Note: Electronic Funds Transfer with-drawals can only be made if you have established a Resource Management Account® (RMA®) or Business Services Account BSA®.

©2008 UBS Financial Services Inc. All rights reserved. Member SIPC.10AC-FT (Rev. 7/08)

The ABA routing numberusually appears on thebottom of printed checks or deposit tickets. Pleaseattach a voided check(for checking accounts)or a deposit slip (forsavings accounts). Ifneither is available aclient statement or letteron bank stationeryconfirming account title,account number, andABA routing number issufficient.

To transfer funds into aUBS Financial ServicesInc. account from a UBSFinancial Services Inc. orexternal account that istitled differently, a signedLetter of Authorization from all account holders is required.

If the authorized externalaccount is a moneymarket account, selectthe “Checking” accounttype.

On Demand Transfersrequire the client’s verbalconsent for the branch toinitiate the transfer andare limited to theExternal AccountPermission selected forthat account.

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UBS Financial Services Inc. AccountsComplete the information below for your other UBS Financial Services Inc. accounts. Please Note: Electronic Funds Transfer withdrawals can only bemade from a Resource Management Account® (RMA®) or Business Services Account BSA®.

Electronic Funds Transfer Service continued

©2008 UBS Financial Services Inc. All rights reserved. Member SIPC.11AC-FT (Rev. 7/08)

Account Holder Signature Date Account Holder Signature Date

Client Authorization

I authorize UBS Financial Services Inc. and its processing institution (the “Processing Bank”) to initiate the types of transactions indicated above (includ-ing adjustments for any entries made in error) to or from my account(s) listed above, and authorize the depository(ies) named on my AuthorizedExternal Account(s) or UBS Financial Service Inc. to debit and/or credit the requested transactions to my accounts. I authorize UBS Financial ServicesInc. and the Processing Bank to make changes and/or cancellations to transactions requested by me.

I understand these instructions will remain in effect until UBS Financial Services, Inc. has received written notification from me of termination or modifi-cation in such time and manner as to afford UBS Financial Services, Inc. a reasonable opportunity to act on it. If I close or change any account listedabove, I will promptly notify UBS Financial Services Inc. of this change.

I authorize UBS Financial Services Inc. at its option to discontinue the electronic funds transfer service from any accounts listed above if I fail to maintainadequate funds in such account(s) to cover my requested transfers. All electronic funds transfers will be initiated in accordance with this authorizationand the terms and conditions governing my RMA or Business Services Account BSA. I acknowledge that the initiation of electronic funds transfers mustcomply with applicable U.S. law.

On Demand Transfersrequire the client’s verbalconsent for the branch toinitiate the transfer andare limited to the InternalAccount Permissionselected for that account.

DESIGNATED INTERNAL ACCOUNT 1

UBS Financial Services Inc. Account Number

Account Title/Name

Internal Account Permission: (select all that apply)

Deposit to designated internal accountWithdraw from designated internal account




Recurring Permission: (select one) must also be selected as an internalaccount permission above

Deposit to authorized internal accountWithdraw from authorized internal account







$________________________ ($100,000 if left blank)

DESIGNATED INTERNAL ACCOUNT 2

UBS Financial Services Inc. Account Number

Account Title/Name

Internal Account Permission: (select all that apply)

Deposit to designated internal accountWithdraw from designated internal account




Recurring Permission: (select one) must also be selected as an internalaccount permission above

Deposit to authorized internal accountWithdraw from authorized internal account







$________________________ ($100,000 if left blank)

Sign Here

Account Numberab

©2008 UBS Financial Services Inc. All rights reserved. Member SIPC.12AC-RW (Rev. 7/08)

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Agent Name

SS#:

Passport/CEDULA and Green Card Number (If non-U.S. and no Social Security Number specified)

Date of Birth:

Home Phone:

Country of Citizenship (if other than USA)

Home Address

City State Zip

Mailing Address (if different than home address)

City State Zip

Authorized Agent For: UBS American Express Card

UBS Visa Signature credit card Check Writing

Additional fees may apply. Please see New Account bookletfor details.

Authorized Agent Removal for RMA/Business Services Account BSA Cards and Check WritingIf you are removing an authorized agent, please print the name of the agent you are removing below.

Agent Name Agent Name

Sign Here only if addingan authorized agent Agent Signature Date

RW

Specify Name only ifremoving an agent

To add an additional card or check user on the Resource Management Account®

(RMA®) or Business Services Account BSA

®, complete the Authorized Agent

for RMA/Business Services Account BSA Cards and Check Writing and the Account Holder Certification sections. To remove an authorized agent, completethe Authorized Agent Removal and the Account Holder Certification sections. If the dual-signature option is selected on the Account Application, completethe Dual Signors for RMA/Business Services Account BSA Check Writing and the Account Holder Certification sections. The Account Holder must sign theAccount Holder Certification section located on the next page.

Authorized Agent for RMA/Business Services Account BSA Cards and Check WritingEach additional card and/or check user (who is not a minor) named below is appointed an agent to me, unaffected by my subsequent disability or incompe-tence, to effect card and/or checking transactions in my designated UBS Financial Services Inc. account. As indicated below, the additional card and/or checkuser is authorized to act on my behalf to effect transactions using my UBS American Express Card and/or UBS Visa Signature credit card, and/or write checksfor the payment or withdrawal of funds drawn on the designated UBS Financial Services Inc. account or payable to me and bearing the signature or signa-tures now or hereafter authorized by me without limit as to amount, without inquiry and without regard to its application. UBS Financial Services Inc. will sendall confirmations, notices, demands, statements and other communications regarding checking activity in the designated UBS Financial Services Inc. account tome. UBS Financial Services Inc. owes no obligations to additional card and/or check users and may, but is not required to, act on instructions or respond to com-munications from such additional users.

Account Numberab

©2008 UBS Financial Services Inc. All rights reserved. Member SIPC.13AC-RW (Rev. 7/08)

Account Holder Signature Date



Note: If there are additional authorized agents ordual signors please print another copy of this form.

SIGN HERE

Dual Signors for RMA/Business Services Account BSA Check Writing

Dual-Signature checks require two signatures at all times. If you are designating more than two signors and you would like one of the signorsto be required, at all times, please check “Required” next to the signor’s name. Only one individual can be a required signor. If you do not designate arequired signor, please specify all signors as optional. If the individual designated below is not a UBS Financial Services Inc. client (i.e. account holder,authorized agent, power of attorney, etc.) also complete the Authorized Agent for RMA/Business Services Account BSA Cards and Check Writingsection above.

Check here if you do NOT want UBS Financial Services Inc. to order new dual signature checks. If checked, you will be responsible for obtaining checkswith dual signatures. UBS Financial Services Inc. will not accept single signature checks.

Dual Signor 1 Name

Specify the type of signor: Required Optional

Dual Signor’s Signature Date

Dual Signor 2 Name

Specify the type of signor: Required Optional

Dual Signor’s Signature Date

Account Holder CertificationBy signing below, I UNDERSTAND, ACKNOWLEDGE AND AGREE that (1) I have reviewed all of the information contained in this addendum and Ideclare it as true and accurate and (2) UBS Financial Services Inc. is authorized to rely upon the authority conferred by this document until UBSFinancial Services Inc. receives an updated copy of this form revoking or modifying this addendum.

Sign Here only if adding a Dual Signor

Authorized Agent/Dual Signor Addendum continued

NNoottee:: You must complete and sign a new addendum to add, remove or update dual signors. UBS Financial Services Inc. will rely on the most recentlydated addendum to supercede and replace any other previous dual signor addendum on file.

Account Numberab

©2008 UBS Financial Services Inc. All rights reserved. Member SIPC.14AC-DDA (Rev. 7/08)

Direct Deposit allows you to have all or part of your payroll, government, social security, or other recurring payment automatically deposited intoyour account.

In order to sign up for Direct Deposit, you must have either an RMA® checking account number or a UBS Financial Services Inc. account number. Ifyou do not have a UBS Financial Services Inc. account number, one will be provided when your account is opened. Please keep this form untilyou receive your account number or checks.

To arrange to have your Social Security checks directly deposited into your account, call the Social Security Administration at 800-772-1213. Forother government payments, contact the issuing government agency directly. For all other organizations or financial institutions, complete the infor-mation below.

Please forward this completed form to the organization or financial institution sending the direct deposit.

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Bank Name

Bank Transit (or Routing) Number:

Type of Account

Bank Street Address

City State Zip

8

9 0 8 3

SIGN HERE

JPMorgan Chase

044000804

CHECKING

800 BROOKSEDGE BLVD., DEPT. OH1-0465

COLUMBUS OH 43271-0465

Client Information

Name

Street

City State Zip

Account InformationPlease complete either section A or B below based on the type of account that will be receiving the direct deposit.

A.) If your account has the RMA checking feature, you must enter your checking account number in the boxesbelow. This is a 10-digit number that begins with 8 and appears after the bank transit routing number044000804 on the bottom of your RMA checks.

B.) If your account does not have the RMA checking feature or if you do not have an RMA account, you must enterin your alphanumeric UBS Financial Services Inc. account number in the boxes below.

The information below will be utilized by the organization or financial institution issuing the deposit.

Amount of PaymentA.) For payroll or government payments, I authorize you to deposit % of each payment automatically

into the UBS Financial Services Inc. account named above. Please Note: This must be done by electronic fundstransfer.

B.) For deposits from my account at another financial institution, I authorize you to deposit $automatically into the UBS Financial Services Inc. account named above. Please Note: This must be done by electronic funds transfer.

Please indicate the frequency of deposit:

Weekly Bi-weekly Monthly Quarterly Other:

Signature Date

Do not send this Direct Deposit Application to UBS Financial Services Inc.

©2008 UBS Financial Services Inc. All rights reserved. Member SIPC.15AC-TF (Rev. 9/08)

UBS Financial Services Inc.

Account Number

TIN

ab

TF

About Your UBS Financial Services Inc. Account

Account Title

For Retirement Accounts Only—Account is to be transferred into a:

Traditional IRA Traditional IRA Rollover SEP IRA Roth IRA Qualified Plan

SIMPLE IRA CODA SEP-IRA Coverdell Education Savings Account

The account is transferring from a qualified retirement plan by means of a direct rollover into a*:

Traditional IRA SEP IRA Rollover IRA CODA SEP IRA*Pursuant to IRS Regulations, qualified retirement plan assets cannot be rolled over to a SIMPLE IRA.

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Description of Asset Quantity

1.

2.

3.

Description of Asset Quantity

4.

5.

6.

Type of Transfer You Are Making Please answer the following questions

Are you transferring directly from an insurance or mutual fund company? Yes NoIf you answered “no,” skip to the next question. If you answered “yes,” please provide the following information foreach annuity or mutual fund you intend to transfer.

Do you wish to transfer your entire account? Yes NoIf you answered “yes,” skip to the next question. If you answered “no,” and the transfer is not coming directly froman insurance or mutual fund company, please provide the following information for the assets you intend to transfer.

Indicate the number of shares of each asset you wish to transfer or write “all.”

Quantity (indicate Name of Fund/Annuity Account Number # of shares or “All”)

1.

2.

3.

4.

About the Account You Are Transferring

Please refer to yourstatement for the followinginformation and attach acomplete copy of yourmost recent statement forthis account.

Please complete a separateform for each account you transfer (photocopiesare acceptable).

Name(s) and Title of Account on your statement

Your Account Number

SS#/TIN:

2nd SS#/TIN:

Name of Firm/Fund Company Broker Clearing #

Street Address of Firm/Fund Company

City State Zip

UBS Financial Services Inc. Branch Use Only - For in-kind transfer of directly held mutual funds, establish a BIN number and reference

here: 0__ __ __ __ __ __ __ __ __ 00 To request a BIN number, open a Star Case to Mutual Funds, Create BIN/B50.

Some assets are not trans-ferable. If the asset is nottransferable, UBS FinancialServices Inc. may be namedbroker-dealer and/or custo-dian at the company, or theassets can be sold. Requeststo sell positions aredependent upon the deliv-ering firm receiving andprocessing the request andmay take several weeks tocomplete. Liquidations canalso be processed by callingthe delivering firm.


UBS Financial Services Inc.

Account Number

TIN

ab

For Internal Branch Use OnlyLiquidations1. Check with the client to determine if any assets require liquidation.

2. If liquidations are requested, ask the client to contact the branch opera-tions manager at previous firm with verbal instructions. Verbal instructionswill result in fewer delays in the transfer process. PLEASE DO NOT SENDLIQUIDATION INSTRUCTIONS TO THE ACCOUNT TRANSFER DEPT. Always follow up the next day to ensure execution

of liquidation request.

ACAT versus Non-ACAT—The transfer is an ACAT transfer if both of thefollowing conditions are met: Either part of or the entire account is to betransferred and the delivering firm is ACAT-eligible.

Account is transferring via: ACAT Non-ACAT. If ACAT or Non-ACAT,the branch should process the transfer and retain the paperwork.

All Account Transfer procedures are available on BGAP and InfoNet.

Are you transferring directly from a Bank, Savings and Loan or Credit Union? Yes NoIf you answered “no,” skip to the next question. If you answered “yes,” please complete the following section.

I am only transferring cash. Please transfer: All cash in account Only $

I have a CD that I want to transfer. Please:

Liquidate it IMMEDIATELY. I am aware of and acknowledge the penalty I will incur from any early withdrawal.

Liquidate it AT MATURITY. Maturity date (Please submit 2 weeks before maturity date)

Do you wish to liquidate any assets as part of this transfer? Yes NoIf you wish to liquidate any assets prior to this transfer, please supply the branch operations manager at your previ-ous firm with verbal instructions and advise your Financial Advisor at UBS Financial Services of this liquidation request.

Initiate the transfer of amaturing Certificate ofDeposit (CD) no more thantwo weeks prior to thematurity date. Otherwise,you may incur earlywithdrawal penalties.

SIGN HERE

Type of Transfer You Are Making continued

Delivering Agent: Please refer to the attached page for delivery instructions.

Authorization (UBS Financial Services Inc. completes).

To the prior trustee or custodian: Please be advised that UBS Financial Services Inc. will accept the above-captioned account as successor custodian.

Successor Custodian/Trustee Authorized Signature Date

Account Owner’s Signature Date Additional Party Signature Date

Additional Party Signature Date Additional Party Signature Date

Please transfer the assets specified to UBS Financial Services Inc., whichhas been authorized by me to make payment to you of the debit balanceor to receive payment of the credit balance in my securities account. Iunderstand that to the extent any assets in my securities account are notreadily transferable, with or without penalties, such assets may not betransferred within the time frame required by New York Stock ExchangeRule 412 or similar rule of the National Association of Securities Dealersor other designated examining authority.

Unless otherwise indicated in the instruction contained herein, I authorizeyou to liquidate any proprietary money market fund assets that are partof my securities account and transfer the resulting credit balance to UBSFinancial Services Inc. I understand that you and/or UBS Financial Services

Inc. will contact me with respect to the disposition of any other assets inmy securities account that are either non-transferable or non-deliverable.If certificates or other instruments in my securities account are in yourphysical possession, I instruct you to transfer them in good deliverableform, including affixing any necessary tax waivers, to enable UBS FinancialServices Inc. to transfer them in its name for the purpose of sale, whenand as directed by me. I further instruct you to cancel all open orders formy securities account on your books if this is a full transfer as noted onthis form.

I affirm that I have destroyed or returned to you any credit/debit cardsand unused checks given to me in connection with my securities accountif this is a full transfer as noted on the this form.

Client Instruction

Important information for owners of Auction Rate Securities (ARS): After your securities are transferred to UBS, we may be unable to provide certainservices for ARS, such as statement valuations and a way to sell them between auction dates (also known as a secondary market). We also may be unable toprovide routine updates from issuers, such as the clearing rate of the last auction or the rate to be paid if the auction failed to clear. When possible, UBS willplace your orders or pass along your ARS orders to your former broker-dealer or its successor firm—to sell, to hold, to hold at a rate, or to buy more. Theremay be instances, however, in which we may be unable to place your orders.

Clients of UBS who held UBS-related ARS on February 13, 2008, or who purchased ARS from UBS between October 1, 2007, and February 13, 2008, may beeligible for a liquidity solution that provides clients with par value for certain ARS. That solution is not available to persons or entities who were notclients of UBS on February 13, 2008 or who did not purchase ARS from UBS and transfer it to another firm during that time.

Unless you received a separate notification from UBS informing you that you may own ARS that are eligible for this solution, UBS has no obligation to pur-chase or sell your ARS. By signing below, you acknowledge that your ARS are not eligible for UBS’s liquidity solution unless you were notified otherwise byUBS.


ab

Account Transfer Form Delivery Instructions

Delivery Instructions: All deliveries must include client name and UBS Financial Services Inc. account number.(Tax Identification No. 13-2638166)

Branch Contact Information.............................................................

Forward Checks.................................................................................

All DTCC-Eligible Securities..............................................................

Dividend Reinvestment/Closed-end Mutual Funds........................

Physical Delivery of Securities.........................................................

Retail Transfer of Federal Funds......................................................

U.S. Government/Fed Book Entry Securities..................................

For Correspondence Related to a Liquidation or Transfer of Any Security or Annuity Product.................................

For Limited Partnerships and Retirement Account TransferRelated Correspondence From Contra Firms Only....................................................................

(Clients: Please send to your Financial Advisor at the UBSFinancial Services Inc. branch office.)

Contact Name: _________________________________________________________

Branch Address: ________________________________________________________

City/State/ZIP:____________________________________/______/________________

Phone: ________________________________________________________________

Forward checks to the branch contact listed above. Note: if no branchcontact information is listed above, forward checks to:

UBS Financial Services Inc.1000 Harbor Blvd.Weehawken, NJ 07086Attn: Central Check Deposit, 8th FloorAll checks must include client name and UBS Financial Services Inc. accountnumber.

Deliver to DTCC Clearing Number 0221. If you have any questions about theclearing number, please call 201-352-6300. All deliveries must have clientname and UBS Financial Services Inc. account number.

Issue a certificate for all whole shares, liquidate all fractional shares and discontinue dividend reinvestment. All deliveries must include client name and UBS Financial Services Inc. account number.

Physical Securities WindowUBS Financial Services Inc.1000 Harbor Blvd., 6th FloorWeehawken, NJ 07086All deliveries must have client name and UBS Financial Services Inc. account number.

UBS AGABA #026007993UBS FINANCIAL SERVICES A/C #101-WA-258641-000F/C UBS-FINSVC CLIENT A/C NAMEA/C UBS-FINSVC INTERNAL A/C NUMBER

ABA 021000021JPMChase/PAINE/CLIENT A/C # & NAME

UBS Financial Services Inc. Branch (refer to branch contact information listedabove). If not listed, call the Phone Number on Client Statement to Obtain ProperAddressDo not send liquidation paperwork to Account Transfer Dept.

UBS Financial Services Inc.1000 Harbor Blvd.Weehawken, NJ 07086Attn: Account Transfer, 6th FloorMust include client name and UBS Financial Services Inc. account number.

CLIENT AGREEMENT FROM THE CLIENTINFORMATION AND AGREEMENT FOR INDIVIDUALSFORM

BY SIGNING THE ACCOUNT APPLICATION, YOUACKNOWLEDGE THAT YOU HAVE READ, UNDER-STAND AND AGREE TO THE FOLLOWING: A. Upon receipt, you will review the New Account book-

let section entitled You & Us: Conducting Business withUBS. You understand the material distinctions betweenadvisory and broker-dealer services and acknowledgethat this Account Application and the ClientRelationship Agreement establish a brokerage account,and UBS’ obligations as it pertains to that account willbe that of a “broker-dealer” as described in the disclo-sure section and in the brokerage agreement.

B. You have received a copy of, read and understand thisClient Information and Agreement for Individuals, theAccount Application for any account you are openingand the Client Relationship Agreement.

C. You agree to be bound by the Client RelationshipAgreement and the documents incorporated there byreference, the terms, conditions and disclosures includ-ed in the New Account booklet and UBS Visa SignatureCredit Card Terms and Conditions, Loan DisclosureStatement, UBS RMA Money Funds Prospectus, andInformation About Your Relationship With Us to thesame extent as if these terms and conditions were con-tained in this document.

ACCOUNT AGREEMENT FROM THE RESOURCEMANAGEMENT ACCOUNT APPLICATION

BY SIGNING THE ACCOUNT APPLICATION, YOUACKNOWLEDGE THAT YOU HAVE READ, UNDER-STAND AND AGREE TO THE FOLLOWING: A. Upon receipt, you will review the New Account book-

let section entitled You & Us: Conducting Business withUBS. You understand the material distinctions betweenadvisory and broker-dealer services and acknowledgethat this Account Application and the ClientRelationship Agreement establish a brokerage account,and UBS’ obligations as it pertains to that account willbe that of a “broker-dealer” as described in the disclo-sure section and in the brokerage agreement.

B. You have received a copy of, read and understand thisResource Management Account Application and theClient Relationship Agreement.

C. You agree to be bound by the Client RelationshipAgreement and the documents incorporated there byreference, the terms, conditions and disclosures includ-ed in the New Account booklet and UBS Visa SignatureCredit Card Terms and Conditions, Loan DisclosureStatement, UBS RMA Money Funds Prospectus, andInformation About Your Relationship With Us to thesame extent as if these terms and conditions were con-tained in this document.

D. If your Account is established with margin, youacknowledge that when you use your margin privi-leges, we will hold the securities in your Account as col-lateral against the amounts you borrow, and you agreeto keep sufficient positions and margin in your Accountto meet any margin calls we might issue.

E. Unless you instructed your Financial Advisor otherwise,you are applying for both the UBS American ExpressCard and the UBS Visa Signature credit card and youagree to be bound by the terms and conditions statedin the Client Relationship Agreement.

CLIENT RELATIONSHIP AGREEMENT

PLEASE REVIEW THIS CLIENT RELATIONSHIP AGREEMENT,WHICH GOVERNS THE RELATIONSHIP BETWEEN YOUAND US. BY SIGNING THE ATTACHED ACCOUNT APPLI-CATION, YOU ACKNOWLEDGE THAT YOU UNDERSTANDAND AGREE TO THE TERMS AND CONDITIONS OF YOURUBS ACCOUNT.

A. IntroductionThe terms and conditions expressed in this “ClientRelationship Agreement” govern any and allAccounts you are opening now with any UBS Entity,whether your account relationship with UBS is director introduced. You acknowledge that you havereceived and read this Client Relationship Agreement.Your New Account booklet contains additional infor-mation, the terms and conditions, and the disclosurespertaining to the Accounts and services you may haverequested UBS to establish for you. Those documentssupplement and are incorporated by reference intothis Client Relationship Agreement, and you agree tothe terms and conditions set forth in them. If you donot agree to the terms and conditions governing yourAccounts, you must close your Account(s) and termi-nate your Client Relationship Agreement with us.Continued use of your Accounts is evidence of youragreement to the terms and conditions set forth inthe New Account booklet.

As you establish additional Accounts or enroll in addi-tional services, we will confirm the expansion of yourrelationship with us in writing and supply you withthe relevant agreements and disclosures. ForAccounts you open now or in the future we will sendyou a record of the information you give us aboutyourself and your Accounts, and you agree to reviewthis information and notify us promptly of anychanges. You may be able to open accounts of thesame type and registration title, without completingadditional applications or signing an additional ClientRelationship Agreement. For certain Accounts andservices, including Accounts in any of our InvestmentSolutions programs, you may be required to executeadditional documents and agreements. All of theagreements and disclosures we send you will alsosupplement and be incorporated by reference intothis Client Relationship Agreement and all of them,collectively, will govern your relationship with us.Your signature on your initial Client RelationshipAgreement will serve as your agreement to the termsand conditions governing any new Accounts, featuresor services. You may close an Account or cancel afeature or service if you do not agree to the termsand conditions. Your depositing of cash or securitiesor entering orders or instructions for any newAccount, or your continued use of any of these prod-ucts, features and Services also indicates your accept-

UBS Financial Services Inc.ab

The “Client RelationshipAgreement” is this docu-ment, which you acknowl-edge governs the overallrelationship between You &Us.

Throughout this Agreement,“you,” “your” and “yours”refer to you as Client(s) ofUBS. “UBS,” “we,” “us,”“our” and “ours” refer toUBS Financial Services Inc.and unless we indicate other-wise, its successor firms, sub-sidiaries, correspondentsand/or affiliates, includingwithout limitation, its parentcompany, UBS AG; and itsaffiliates UBS FinancialServices Incorporated ofPuerto Rico and UBSInternational Inc., (both ofwhich clear through UBSFinancial Services Inc.), UBSBank USA, UBS Credit Corp.,UBS Trust Company, N.A. andtheir insurance agency affili-ates and subsidiaries and allother subsidiaries and affili-ates. UBS Financial ServicesInc. and each of these affili-ates is sometimes referred toas a UBS Entity.

©2008 UBS Financial Services Inc. All rights reserved. Member SIPC.18AC-RMA (Rev. 7/08)

^ÖêÉÉãÉåíë

ance of the terms, conditions and limitations spelledout in the documents we send you.

B. Representation By signing the Account Application, you represent thatyou have reached the age of majority according to thelaws of the state in which you reside and the laws ofthe State of New York.

You declare that all of the personal and financial infor-mation you have supplied to UBS is true and accurate.You agree to notify us promptly of any materialchanges to that information including especially, butnot limited to, information regarding your address,financial situation or investment objectives.

You understand that UBS provides financial and invest-ment services only and does not provide legal or taxadvice.

C. Disclosure of Beneficial OwnershipYou understand that UBS will not disclose your name,address and security position to issuers of any securi-ties held in your Account(s) unless you have instructedus to do so. As a result, you may not receive informa-tion regarding those securities directly from the issuer,but from UBS instead. Your instructions are reflectedon the Account Information pages of this booklet. Ifyou wish to change your instructions, call yourFinancial Advisor.

D. Statement HouseholdingAs a convenience to you, we may consolidate some orall account statements with the same address in thesame envelope. This practice is known as “household-ing.”

Accounts may be added to or excluded from house-holding as clients move to or from the address towhich the householded account statements are sent.

Additionally, the individual selected to receive thehouseholded account statements may also changeover time.

Where owners of joint accounts live at differentaddresses, the statements will be sent to at least oneof the account owner’s address, and if householding isalready in place at that address, then such jointaccount statements may be householded with anyother householded account statements sent to thatsame address.

However, if you wish to opt out of householding,please call your Financial Advisor at the toll-free num-ber listed on your account statements to receive indi-vidual statements mailed in separate envelopes.

E. Introduced AccountsYou understand that if your account is opened withUBS International Inc. or UBS Financial ServicesIncorporated of Puerto Rico, then your account isbeing introduced to UBS Financial Services Inc. and willbe carried by UBS Financial Services Inc. in your name.By signing the Account Application, you acknowledgethat you have reviewed the section titled “IntroducedAccounts” located in the General Terms andConditions chapter. This section describes the servicesprovided by UBS International Inc. or UBS FinancialServices Incorporated of Puerto Rico and UBS FinancialServices Inc.

F. UBS Deposit Account Sweep ProgramIf eligible, your Account will be automatically beenenrolled in the UBS Deposit Account Sweep Program.By signing the Account Application, you authorize usto “sweep” the free cash balances in your eligibleAccount for which no interest is otherwise earned orpaid into an interest-bearing FDIC-insured DepositAccount at UBS Bank USA or into the Fund or othersweep option you have chosen and subsequentlywithdraw Deposit Account balances or liquidate anysuch shares so purchased at such times, and for suchperiods of time, as we may decide in our sole discre-tion.

In addition, you authorize us to make withdrawalsfrom your Account in accordance with the terms ofthe UBS Deposit Account Sweep Program and theGeneral Terms and Conditions in the New Accountbooklet. You agree that we have the right to withholdthe redemption, liquidation or withdrawal of proceedsor other payments from your Account until all fundsplaced in your Account have been collected. The col-lection periods are set forth in the New Account book-let. It may, therefore, be necessary for us to delay act-ing on instructions or effecting payments until yourAccount contains funds sufficient to meet your obliga-tions. Your authorization will remain in force until areasonable time following our receipt by UBS FinancialServices of written notice of revocation.

The terms and conditions of the UBS Deposit AccountSweep Program are more fully described in the UBSDeposit Account Sweep Program Disclosure Statementcontained in your New Account booklet. By signingbelow you agree that from time to time in our solediscretion we may update or modify the UBS DepositAccount Sweep Program and/or change the sweepoptions or types of sweep options in which free cashbalances are "swept." If you wish to change yoursweep option, please contact your Financial Advisor.

G. Retirement Account(s)If you have requested UBS to establish a traditional,Roth or SIMPLE Individual Retirement Accounts (IRA),your New Account booklet contains the UBS IRACustodial Agreement and the IRA DisclosureStatement. You agree to be bound by the terms andconditions set forth in those documents.In accordance with the UBS IRA Custodial Agreement,you designate UBS Financial Services Inc. as custodianof your IRA. This designation becomes effective whenUBS Financial Services Inc. accepts it.

At your death, your IRA will be transferred to the ben-eficiary or beneficiaries you have designated in theAccount Application. If no beneficiaries have beendesignated the IRA will be transferred to your survivingspouse, or if you have no surviving spouse, to yourestate.

You may change your beneficiary designation at anytime by notifying UBS in writing of the change in aform acceptable to UBS. Any interest in your IRA thatis not effectively disposed of by the beneficiary desig-nation in place at the time of your death will be paidto your surviving spouse, or if you have no survivingspouse, to your estate. You may be charged aCustodial Account fee in connection with this IRA.


See the Client Privacy Noticefor more information aboutStatement Householding.

A "Fund" refers to one ormore of the RMA moneymarket funds as described inthe prospectuses of the UBSRMA Funds.

Free cash balances inIndividual RetirementAccounts (IRAs) andCoverdell Savings Accountswill sweep into the UBS BankUSA Deposit Accounts andfor ERISA plans the accountswill sweep into the UBSRetirement Money Fund.


H. Margin and Margin RequirementsYou will automatically be considered for marginunless you opt out. If you have selected Margin onthis Account, you understand that when you useyour margin privileges, we will hold the securities inyour Account as collateral against the amounts youborrow. You agree, therefore, to keep sufficient posi-tions and margin in your Account to meet therequirements set by any applicable statutes, rules,regulations, procedures or industry customs. We maydeem it necessary or advisable to establish additionalrequirements for margin Accounts. You also agree tomaintain enough assets in your Account to satisfyany and all margin calls issued in connection with theAccount.

In Accordance with the Margin Agreement containedin your New Account booklet, certain securities inyour Account may be loaned to UBS or to other per-sons or entities.

I. Resource Management Account®/Business ServicesAccount BSA®If you have requested that we open one or moreAccounts for you that are Resource ManagementAccounts® (RMA®) or Business Services AccountBSA®, you understand and agree that your requestto open an Account is subject to our approval, andthat we will accept your request in our sole discretionafter we have received this signed Agreement. Forany Account you have with us now or may open inthe future, if you want to add any of the ResourceManagement Account or Business Services AccountBSA features or services, such as the UBS AmericanExpress Card, Check Writing, Electronic FundsTransfer, Bill Payment or Online Services features , youmay request to be enrolled in one or more of theseservices (or other services that UBS may offer in thefuture) by making a verbal request to your FinancialAdvisor or, where available, by enrolling online. Youunderstand and agree that any request to addResource Management Account and Business ServicesAccount BSA features or Services is subject to ourapproval, and we may ask you to sign additional doc-uments or provide additional information in connec-tion with those additional features or services. Youagree that once approved, the requested features orservices will be subject to the terms and conditions ofthe New Account booklet and Client RelationshipAgreement in effect at the time the service is request-ed. You will receive the terms and conditions govern-ing the features or services you request, which will bedeemed incorporated by reference into your existingAccount agreement(s). Your use of any added or dif-ferent feature or service will constitute your accept-ance of the terms and conditions provided to you inthe future.

If you have chosen to open an RMA or BusinessServices Account BSA at the Select Level, you under-stand that your RMA or Business Services AccountBSA includes a UBS American Express Card and, ifyou apply for and your application is approved by theCard Issuer, a UBS Visa Signature credit card (noannual fee). If you have chosen to open an RMA orBusiness Services Account BSA at the Premier Level,you understand that your RMA or Business ServicesAccount BSA includes a UBS American Express Cardand, if you apply for and your application is approvedby the Card Issuer, a UBS Visa Signature credit card

and provides additional rewards and benefits andthat a $350 additional annual upgrade fee applies. Ifyou have chosen to open an RMA or BusinessServices Account BSA at the Charter Level, youunderstand that your RMA or Business ServicesAccount BSA includes a UBS American Express Cardand, if you apply for and your application is approvedby the Card Issuer, a UBS Visa Signature credit cardand provides additional rewards and benefits andthat a $1500 additional annual upgrade fee applies.See the New Account booklet for further details.

The New Account booklet contains detailed informa-tion about your RMA or Business Services AccountBSA and a description of the features and servicesyou have selected. You agree to be bound by theterms and conditions set forth there, and understandthat you will be charged an annual service fee, bro-kerage fees for all securities transactions effected,and other fees as set forth in the Fees and Chargessection of the New Account booklet. These fees aresubject to change by us at any time. Your authoriza-tion with respect to your Accounts will remain inforce until a reasonable time after we receive yourwritten notice of revocation.

J. Check WritingIf you have requested the ability to write checks orauthorize drafts to be drawn on your RMA or BusinessServices Account BSA, you hereby authorize ourCheck Provider to honor checks bearing your signa-ture(s) and unsigned drafts presented on the basis ofseparate written authorization from you to the payee.You understand that you may use these checks only inconjunction with your RMA or Business ServicesAccount BSA and only up to amounts within theAccount’s “Withdrawal Limit” as defined in theGeneral Terms and Conditions contained in your NewAccount booklet. You also authorize us to debit yourRMA or Business Services Account BSA and reimbursethe Check Provider in federal funds when checks ordrafts are presented to the Check Provider. Finally, youagree to maintain sufficient available assets in yourAccount to cover payment on the day you write thecheck or authorize the draft through the day onwhich your Account is debited to pay for the check ordraft.

K. UBS American Express® Card If you have expressed an interest in obtaining one ormore UBS American Express Cards (each a “Card”) inconjunction with your RMA, by signing below you arerequesting the issuance of (and are applying for) oneor more Card(s). You authorize us and the Card Issuerto complete any transactions you initiate in the man-ner described in the New Account booklet when usingyour Card. You understand that the Card Issuer willapprove transactions up to your Account’s“Withdrawal Limit” as defined in the General Termsand Conditions contained in your New Account book-let, you agree to maintain sufficient available assets inyour Account to make payment in full for any Cardtransactions as they are processed, and you authorizeus to debit your RMA and reimburse the Card Issuer infederal funds when Card transactions are processed.You also understand that the Card Issuer may suspendand/or cancel any Card if sufficient assets are notavailable in your Account to cover your transactions.You agree that the use of any Card in connection withyour RMA will be governed by the terms and condi-

UBS Financial Services Inc.abUBS does not extend mar-gin for certain types ofaccounts (e.g., an IndividualRetirement Account, ERISAPlan, Coverdell EducationSavings Account, 403(b)(7)Account, UGMA, UTMA,Estate or 529 PlanAccount).

Please review the MarginAgreement contained in yourNew Account booklet. If youwish to opt out of Margin,call your Financial Advisor.

The features and fees of yourRMA or Business ServicesAccount BSA are more fullydescribed in your NewAccount booklet.

“Check Provider” refers tothe check-processing firm weappoint to handle paymentof your checks and drafts.

If you have requested checkwriting, your checks will besent to you under separatecover after your Account hasbeen approved.

“Card Issuer” refers toBarclays Bank Delaware, thebank we have appointed toissue and administer theUBS Resource CardProgram.

If you have requested aCard, your UBS AmericanExpress Card(s) will bemailed to you under sepa-rate cover after yourAccount has beenapproved.


tions in the UBS American Express Card CardholderAgreement contained in your New Account booklet,and you agree to comply with those terms and condi-tions.

L. UBS VISA Signature Credit CardIf you and/or any joint account holder(s) haveexpressed an interest in obtaining one or more UBSVisa Signature credit cards (each a “Credit Card”) forthe individual(s) listed on your Account Informationpage, by signing below you and/or any joint accountholder(s) are requesting the issuance of (and are apply-ing for) one or more Credit Card(s). You wereinformed that Joint Account owners are not requiredto apply jointly for the UBS Visa Signature Credit Card,and that you can inform your Financial Advisor if youwant to apply individually. Transactions with yourCredit Card are billed separately from your RMA. Notethat you may request that your balances be paid eachmonth automatically from your RMA. Please see theCredit Card Terms and Conditions for rate, fee andother cost information. You understand that yourCredit Card(s) will be issued by the Card Issuer andthat your Credit Card account will be managed accord-ing to the UBS Visa Signature Credit Card CardholderAgreement, which is governed by Delaware law. Acopy of the UBS Visa Signature Credit Card CardholderAgreement will be sent to you with your CreditCard(s). You agree to be bound by the UBS VisaSignature Credit Card Cardholder Agreement andunderstand that your Credit Card Account is subject tochange as stated in the UBS Visa Signature Credit CardCardholder Agreement and is not subject to theGeneral Terms and Conditions or this ClientRelationship Agreement. As part of your application,you request UBS to share with the Card Issuer theinformation that it requests to open your Credit Cardaccount and you further request that we use the infor-mation which we have provided to the Card Issuer onyour behalf to update our own records. You agree thatwe and the Card Issuer may share information includ-ing application data, approval status and transactioninformation.

By signing below, you indicate your consent for theCard Issuer to obtain a credit report in connection withits review of your application and after it establishesyour Credit Card account, to administer your CreditCard account, and report its credit experience with youto others. At your request, the Card Issuer will providethe name and address of each consumer reportingagency from which it obtained a report about you.After your Credit Card account is open, you will havethe opportunity to select the way in which the CardIssuer can use or share information about you for mar-keting or Credit Card account maintenance purposes.

You agree that we may use information about yourCredit Card transactions provided by the Card Issuer toupdate your UBS monthly account statement and ourrecords.

You agree that any dispute between you and the CardIssuer will be resolved by binding Arbitration. For moreinformation regarding Arbitration please consult theUBS Visa Signature Credit Card CardholderAgreement.

By signing below, you agree that (a) you are at least 18years old and a permanent resident of the UnitedStates, (b) you have reviewed and accept the UBS Visa

Signature Credit Card Terms and Conditions providedto you with this Client Relationship Agreement and (c)all information provided to us was provided truthfullyand completely.

M. Bill Payment and Electronic Funds Transfer ServiceIf you enroll in the Bill Payment and Electronic FundsTransfer Service, you agree that those services are gov-erned by the Bill Payment and Electronic FundsTransfer Agreement, which is included in your NewAccount booklet and incorporated here by reference,and you authorize us to make payments and transfersto and from your Designated Internal Accounts andAuthorized Outside Accounts in accordance with yourinstructions. You may provide instructions online, overthe telephone or in writing. When you use UBS OnlineServices, ResourceLine, our telephone voice responsesystem, or speak to a live operator, you will be askedto provide your password or personal identificationnumber (“PIN”). Certain bill payments and electronicfunds transfers can only be requested through OnlineServices or in writing.

You agree to maintain sufficient balances to cover yourbill payments and electronic funds transfers on theprocess date described below or on such other datewe debit your Account for the bill payment or elec-tronic funds transfer. You understand that we are notliable for any overdraft or insufficient funds situationcaused by your payments or transfers, and you agreeto repay any overdraft or insufficient funds ondemand.

If an erroneous payment or transfer is made, youauthorize us to make a debit or credit to your Accountto correct it, provided the correction is made in accor-dance with applicable laws, rules and regulations.

In addition, you authorize the banks or other financialinstitutions at which you maintain your authorized out-side Accounts to accept ACH credits or debits to thoseAccounts. Finally, by using our Bill Payment andElectronic Funds Transfer Service, you authorize us toobtain information about your transactions from yourother banks or financial institutions in order to provideto you the UBS Bill Payment and Electronic FundsTransfer Service, including for example to resolve trans-fer posting problems.

N. Security InterestAs security for the payment of all liabilities or indebt-edness presently outstanding or to be incurred underthis or any other agreement between you and any UBSEntity, you hereby grant to each UBS Entity a securityinterest in and lien on any and all Property held or car-ried by any UBS Entity for you or on your behalf in orcredited to any UBS Account(s), and in any otherAccount with any UBS Entity in which you may haveany legal, equitable or other interest. All such Propertywill be subject to such security interest as collateral forthe discharge of your obligations to any UBS Entity,wherever or however arising and without regard towhether or not we made loans with respect to thatProperty. In enforcing our security interest, we havethe discretion to determine the amount, order andmanner in which the Property will be sold and have allthe rights and remedies available to a secured partyunder the Uniform Commercial Code ("UCC") in addi-tion to all other rights provided in this Agreement orby law. You will not cause or allow any of the Propertyheld in any of your UBS Accounts, whether owned


If you have applied for aCard, your UBS VISASignature Credit Card(s), ifapproved for issuance bythe Card Issuer, will bemailed to you under sepa-rate cover after yourAccount has beenapproved.

“Property” includes, but isnot limited to, securities,money, stocks, options,bonds, notes, futures con-tracts, commodities, com-mercial paper, certificates ofdeposit and all other obliga-tions, contracts and propertyusually and customarily dealtin by brokerage firms andany other property that canbe recorded in any of yourAccounts with us. See theUBS Statement of CreditPractices.


now or acquired later, to be or become subject to anyliens, security interests, mortgages or encumbrancesof any nature other than our security interest, withoutour prior written consent. Each UBS Entity shall act asagent for and on behalf of each other UBS Entity forpurposes of perfecting, maintaining and enforcing thesecurity interests granted hereunder or by operationof law and each UBS Entity acting in the capacity of adeposit bank, securities intermediary or commoditiesintermediary, as the case may be, hereby agrees to fol-low the instructions and entitlement orders of eachother UBS Entity with respect to the Property as asecured party hereunder, in each case without furtherconsent by you. You hereby authorize and direct eachsuch UBS Entity to follow the instructions and entitle-ment orders of each other UBS Entity, as applicable.

O. Liquidation of Collateral or AccountWe may satisfy any and all amounts you owe us inconnection with any of your Accounts from Propertywe hold or carry in any of your Accounts with us.Additionally, we may sell any or all Property held inany of your Accounts with us and cancel any openorders for the purchase or sale of any Property with-out notice in the event of your death or dissolution,or whenever in our discretion it is necessary for ourprotection. In such events, we may also borrow orbuy-in all Property held in any of your Accounts withus required to make delivery against any sale initiatedfor you. Such sale or purchase may be public or pri-vate and may be made without advertising or noticeto you and in the manner we determine in our solediscretion. Your waiver will not be invalidated by anydemands, calls, tenders or notices that we may make.At any such sale, we may purchase the Property orany portion thereof free of any right of redemptionand you will remain liable for any deficiency in any ofyour UBS Accounts, plus any accrued interest on thedeficiency at our then customary rate, if applicable, orat the maximum rate allowable by law. We will not beliable to you in any way for any loses or adverse taxconsequences resulting from a liquidation of yourproperty.

P. USA Patriot ActTo help the government fight the funding of terrorismand money laundering activities, Federal law requiresall financial institutions to obtain, verify, and recordinformation and documentation identifying eachAccountholder. Therefore, when you open an Account,we will ask for your name, address, date of birth andother identifying information about you. We may askto see your driver’s license or other identifying docu-ments. We may also screen your name against variousdatabases to verify your identity. If we are unable toverify your identity, we have the right, at any time andwithout prior notice, i. To sell any or all Property in any of your Accounts

with us, whether carried individually or jointly withothers,

ii. To buy any or all Property which may be held shortin your Account,

iii. To cancel any open orders and close any or all out-standing contracts,

iv. To liquidate any of your Accounts with us, or v. To distribute the assets in your Account to you.

We are not responsible for losses you incur if we haveto sell your Property or positions, nor are we responsi-ble for the tax consequences of liquidating assetsand/or distributing them to you.

Q. Credit ReportYou authorize us to obtain a credit report or othercredit references concerning you, and to verify orupdate the credit information you may have given tous at any time. This includes, without limitation, mak-ing verbal or written inquiries concerning your credithistory. You authorize, and request that we provide onyour behalf, your credit report or other credit informa-tion to the Card Issuer and Check Provider or to ouraffiliates, as we deem necessary or advisable to effect,administer and enforce all transactions, as well as toservice, process and maintain your Account(s). Youalso authorize the use of this information for the pur-pose of offering you additional products, which fromtime to time may be of interest to you.

R. Your PrivacyAt UBS, we are committed to safeguarding your per-sonal information. See the UBS Client Privacy Noticein the New Account booklet, which describes the per-sonal information we collect about you and how wehandle and protect it.

S. Entire Agreement and Changes to the AgreementThe provisions of this Client Relationship Agreementand the documents incorporated here by reference,including the General Terms and Conditions set forthin the New Account booklet constitute, and areintended to constitute, the entire Agreement betweenYou & Us with respect to your Account(s). They super-sede any prior agreements relating to your Account(s).We will not undertake any obligations or incur anyduties or obligations other than those expressly provid-ed for in this Agreement, the documents incorporatedhere by reference , or statute and government regula-tion.

Upon written notice to you, we may change ourAgreement with you at any time and may cease tooffer any or all services. Any such change becomeseffective on the date of the notice unless the noticespecifies a later date. However, you remain liable forany outstanding debits and/or charges to yourAccount. Your continued use of our products andServices under the new Agreement constitutes accept-ance of any change. All other changes to theAgreement will become effective only if offered in writ-ing and signed by us.

T. Applicable LawThis Agreement, including the Arbitration provisions inthe next paragraph, its enforcement and the relation-ship between you and us will be governed by the lawsof the State of New York, without giving effect to thechoice of law or conflict of laws provisions thereof. TheAgreement is binding on you provided that there is noinconsistency with the Federal securities laws or theFederal or State banking laws. In connection with anyCard issued, the respective Cardholder Agreement shallbe governed by Federal law and the law designated bythe Card Issuer in that Cardholder Agreement.

In the event that any of the Arbitration provisionsbelow are found to be unenforceable, you agree thatyou will, for purposes of determining all matters withregard to the Agreement, submit to the exclusive juris-diction of the courts of the State of New York and theFederal courts sitting in the Southern District of NewYork. You also consent to service of process by certifiedmail to your Account’s address of record and waive anyforum non-conveniens and venue claims. You agreewith us that if any term, covenant, condition, or

UBS Financial Services Inc.abPlease see the UBS ClientPrivacy Notice in the NewAccount booklet for furtherinformation, including infor-mation on your ability to opt-out of certain informationsharing.

This “Client RelationshipAgreement” governs theoverall relationship betweenYou & Us.


provision of the Agreement is held to be invalid, void, orunenforceable, the remainder of the provisions willremain in full force and will be construed, to the maxi-mum extent possible, in such a way as to give effect tothe intent of any provision that has been called intoquestion.

UU.. AArrbbiittrraattiioonnThis Agreement contains a predispute arbitrationclause. By signing an arbitration agreement theparties agree as follows:

• Arbitration is final and binding on the parties. Allparties to this Agreement are giving up the rightto sue each other in court, including the right toa trial by jury, except as provided by the rules ofthe arbitration forum in which a claim is filed.

• The parties are waiving their right to seek reme-dies in court, including the right to jury trial.Arbitration awards are generally final andbinding; a party’s ability to have a court reverseor modify an arbitration award is very limited.

• Pre-arbitration discovery is generally more lim-ited than and different from court proceedings.The ability of the parties to obtain documents,witness statements and other discovery is gener-ally more limited in arbitration than in courtproceedings.

• The arbitrator’s award is not required to includefactual findings or legal reasoning and anyparty’s right to appeal or to seek modification ofrulings by the arbitrators is strictly limited. Thearbitrators do not have to explain the reason(s)for their award.

• The panel of arbitrators will typically include aminority of arbitrators who were or are affiliatedwith the securities industry.

• The rules of some arbitration forums mayimpose time limits for bringing a claim in arbitra-tion. In some cases, a claim that is ineligible forarbitration may be brought in court.

• The rules of the arbitration forum in which theclaim is filed, and any amendments thereto, shallbe incorporated into this Agreement.

• You agree, and by opening an account for you,UBS Financial Services Inc. or UBS InternationalInc. or UBS Financial Services Incorporated ofPuerto Rico, as applicable, agrees, and by car-rying an account for you UBS Financial ServicesInc. agrees, that any controversy, claim or issuein any controversy which may arise between youand UBS Financial Services Inc., or you and UBSInternational Inc. or you and UBS Financial Ser-vices Incorporated of Puerto Rico, that occurredprior, on or subsequent to the execution of thisAgreement, including but not limited to, anycontroversy, claim or issue in any controversyconcerning any account(s), transaction, disputeor the construction, performance or breach ofthis or any other Agreement (whether enteredinto prior, on or subsequent to the date hereof)shall be determined by arbitration. Any arbitra-tion under this Agreement shall be held underand pursuant to and be governed by the FederalArbitration Act, and shall be conducted before

an arbitration panel convened by the FinancialIndustry Regulatory Authority (“FINRA,” f/k/a theNew York Stock Exchange, Inc. and/or theNational Association of Securities Dealers, Inc.),whichever appropriate. You may also select anyother national securities exchange's arbitrationforum upon which UBS Financial Services Inc. or,for those accounts opened with UBS Interna-tional Inc., UBS International Inc. is legallyrequired to arbitrate the controversy with you,including where applicable, the Municipal Securi-ties Rulemaking Board. Such arbitration shall begoverned by the rules of the organization con-vening the panel. The award of the arbitrators,or of the majority of them, shall be final, andjudgment upon the award rendered may beentered in any court of competent jurisdiction.

• No person shall bring a putative or certified classaction to arbitration, nor seek to enforce anypre-dispute arbitration Agreement against anyperson who has initiated in court a putative classaction; who is a member of a putative class whohas opted out of the class with respect to anyclaims encompassed by the putative class actionuntil:

i. THE CLASS CERTIFICATION IS DENIED;ii. THE CLASS IS DECERTIFIED; OR iii. THE CUSTOMER IS EXCLUDED FROM THE

CLASS BY THE COURT.

• Such forbearance to enforce an Agreement toarbitrate shall not constitute a waiver of anyrights under this Agreement except to the extentstated herein.

• You expressly agree that service of process inany action shall be sufficient if served by certi-fied mail, return receipt requested, at your lastaddress known to UBS.

• You expressly waive any defense to service ofprocess as set forth above.

UBS Financial Services Inc.abThis Arbitration Agreementrepresents standard industrypractice and binds You & Usto arbitrate any disagree-ments that may arisebetween us.


We Take Important Steps to Help Safeguard the PersonalInformation We Collect About You

At UBS, we are committed to safeguarding your personal information.This notice describes:• The types of personal information we may collect about you• The purposes for which we use the information • The circumstances in which we may share the information • The choices you have with regard to sharing and use of the infor-

mation• The steps that we take to safeguard the information to protect

your privacy

As part of our normal business practices, we distribute our policyannually or when significant changes are made to it.

This notice is being provided on behalf of UBS Financial Services Inc.,all partnerships and registered funds managed by UBS FinancialServices Inc.'s Alternative Investment Group, UBS Financial ServicesIncorporated of Puerto Rico, UBS Trust Company of Puerto Rico, UBSBank USA, UBS Credit Corp., UBS Trust Company, N.A., UBSInternational Inc., and their insurance agency affiliates and sub-sidiaries. This notice applies to personally identifiable informationabout a consumer’s or an individual’s current or former client relation-ship with these companies.

If your relationship with us is part of an employee stock benefit plan,please see “Special Note for Clients With Limited-Purpose EmployeeStock Benefit Plan Accounts Administered by Us” below for specificinformation about these types of accounts.

Why and How We Collect Personal InformationWe collect personal information to enable us to provide products andservices to you and to improve and conduct our business. For exam-ple, we collect personal information to:

• Help us evaluate your financial needs• Process your requests and transactions• Inform you about products and services that may be of interest to

you• Provide you with effective and efficient customer service• Assess products and services

We collect information from a variety of sources, including:

• Account applications and other forms that you submit to us, whichprovide information such as your name, address, e-mail address,telephone number, date of birth, Social Security number or othertax identification number, occupation, financial goals, assets andincome

• Your transactions or experiences with us and our affiliated compa-nies

• Outside companies, such as credit bureaus, regarding your credithistory or employment status

• Your employer, if we have been engaged to provide stock benefitadministration services on its behalf

Who Has Access to Personal InformationOnly those employees who need to have access to personal informa-tion to perform their jobs are authorized to use your personal infor-mation. They may need access to your personal information to con-duct business on your behalf, service your account, help you and yourFinancial Advisor pursue your financial objectives, and to conduct ourbusiness.

How We Safeguard Your Personal Information and Protect YourPrivacyUBS is committed to protecting the privacy and confidentiality of yourpersonal information. Employees who have access to your personalinformation are required to maintain and protect the confidentiality ofthat information and must follow established procedures. We main-tain physical, electronic and procedural safeguards to protect yourpersonal information to comply with applicable laws and regulations.

Why and How We Share Information With Our AffiliatesWe may share your personal information (as described above in “Whyand How We Collect Personal Information”) with our affiliates asrequired or permitted by applicable law. Our affiliates are companiescontrolled or owned by us, or companies that control us, such as ourcorporate parent, UBS AG, or are under common control with us.

For example, we may share information with our affiliates in order to:• Process transactions relating to your account• Service your account• Provide you with information about products and services

We may share with our affiliates your name, contact information andinformation about our transactions and experiences with you so thatthey and we can efficiently service your account(s) and conduct ourbusiness. For example, we may share this information with one ofour affiliates to facilitate a transaction on your behalf or conductmaintenance of your account(s).

We also may share with our affiliates personal information that wascollected to determine your eligibility for products and services youpreviously requested from us. This “eligibility information” includesinformation used to determine creditworthiness, such as net worth,income or credit history. As an example, we may share your eligibilityinformation with our affiliates in arranging specialized services such asasset management, advisory, and trust services.

In addition, we may share your personal information with our affili-ates, including both transaction and experience and eligibility informa-tion, so that they may offer products or services that may be appropri-ate for you. As one example, we may share your personal informa-tion with our bank or mortgage affiliates so that they could offer theirproducts or services directly to you.

You have a right under some circumstances to instruct us not to sharecertain eligibility information and/or personal information with ouraffiliates. For more information on this right, please read the “HowYou Can Direct How Your Information Is Shared and Presented” sec-tion below.

Why and How We Share Information With Nonaffiliated ThirdPartiesWe do not and will not rent or sell your personal information.However, we may share your personal information (as describedabove in “Why and How We Collect Personal Information”) withcompanies that we hire to perform services for us, such as vendorsthat provide data processing, computer software maintenance anddevelopment, transaction processing and marketing services.

In addition, to help us service your account or to offer products andservices that may meet your financial needs, we may share yourname, contact information, and information about our transactionsand experiences with you with nonaffiliated financial service institu-tions with which we have agreements to market financial services orproducts that we jointly offer, endorse or sponsor. Nonaffiliated finan-cial service institutions include mutual fund companies, securities bro-kers, clearing brokers and banks.


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IThis includes all the partnerships and funds managed by UBS Financial Services Alternative Investment Group that utilize the UBS name, as well as other partnerships and fundsincluding the Avon Associates Limited Partnership, Capitol Street Associates, Chadbourne Road Associates, PW Champlain Associates, L.P., Fitchburg Associates, Franklin StreetAssociates, Fremont Avenue Associates, Geneva Drive Associates, Hamilton Associates Limited Partnership, McCullough Avenue Associates Limited Partnership, Midtown AssociatesLimited Partnership, Midtown Associates Limited Partnership/1984, Mid-Continent Associates, Northwestern Associates Limited Partnership, Palmetto Center Associates LimitedPartnership, Southwestern Associates, Spring Mountain Road Associates, Main Street Associates, Trumbull Associates Limited Partnership, and the PaineWebber R&D Partners III,L.P.

In the two cases above, the nonaffiliated companies and nonaffiliatedfinancial service institutions with which we share your personal informa-tion are required to limit their use of such information to the particularpurpose for which it was shared and they are not allowed to share yourpersonal information with others except to fulfill that particular pur-pose.

Finally, we may disclose personal information to others, including nonaf-filiated companies, credit bureaus and regulatory authorities, as eitherrequired or permitted by applicable law. For example, we may disclosepersonal information to:

• Comply with investigations by regulatory authorities or law enforce-ment agencies

• Protect against or prevent actual or potential fraud, unauthorizedtransactions, claims or other liabilities

• Respond to judicial or legal process, such as subpoena requests

How You Can Direct How Your Information Is Shared andPresentedOur ability to share information with our affiliates helps us and them tomore readily provide you with quality products and services to meetyour financial needs and goals. Nevertheless, to respect your wisheswith regard to how we share and use your information, we offer “optout” alternatives. These permit you to direct how your information isshared with our affiliates, in some cases how those affiliates use theinformation, and how the information is presented in statements andperiodic “playback” mailings. If you have a joint account, your direc-tion for us not to share personal information with our affiliates and forthose companies not to use your personal information for marketingwill be applied to all account holders on that account.

Eligibility Information Sharing With Our AffiliatesIf you do not want us to share eligibility information (see “Why andHow We Share Information With Our Affiliates” above for a definitionof “eligibility information”) about you with our affiliates, you may optout of these disclosures. That is, you may instruct us not to share eligi-bility information with our affiliates. Please note that, even if you directus not to share eligibility information with our affiliates, we may stillshare your personal information—including eligibility information—withour affiliates as permitted by law, for example, to process transactionsor to service your account. Moreover, we may also share certain othertypes of noneligibility information with our affiliates, such as your name,address, telephone number, e-mail address and account number(s), andinformation about your transactions and experiences with us.

If you wish to opt out of the disclosure of eligibility information, pleasecall your Financial Advisor at the toll-free number listed on your accountstatements.

Marketing from Our AffiliatesYou may limit our affiliates’ ability to market their products and servicesto you based upon your personal information that they receive fromaffiliated UBS companies. Please note that, even if you limit our affili-ates’ use of your personal information for marketing purposes, there areexceptions. For instance, a UBS company with which you maintain arelationship may still offer you information about its products and serv-ices. Your choice to limit marketing offers will apply until you tell us tochange your choice. If you have already made a choice to limit market-ing offers from other UBS companies, you do not need to act again.

If you wish to opt out from our affiliates’ use of your personal informa-tion for marketing purposes, please call your Financial Advisor at thetoll-free number listed on your account statements.

Statement HouseholdingAs a convenience to you, we may consolidate some or all account state-ments with the same address in the same envelope. This practice isknown as “householding.” Accounts may be added to or excludedfrom householding as clients move to or from the address to which thehouseholded account statements are sent. Additionally, the individualselected to receive the householded account statements may also

change over time. Where owners of joint accounts live at differentaddresses, the statements will be sent to at least to the address of oneaccount owner, and if householding is already in place at that address,then such joint account statements may be householded with any otherhouseholded account statements sent to that same address.

If you wish to opt out of householding, please call your FinancialAdvisor at the toll-free number listed on your account statements toreceive individual statements mailed in separate envelopes.

Periodic ‘Playback’ MailingsAfter a new account is opened, whenever your investment objectives orfinancial information is updated, and on a periodic basis during theyear, we confirm your personal information in your statement to verifythat our records are correct. These mailings, known as “playbacks,”confirm certain account information such as date of birth, employmentstatus and annual income.

If you are concerned about other account holders in your statementhousehold (as outlined above in “Statement Householding”) viewingthis information, you may call your Financial Advisor at the toll-freenumber listed on your account statements and request that your play-backs be mailed in separate envelopes.

Special Note for California and Vermont AccountsAdditional requirements beyond federal law are imposed by Vermontand California law for residents of those states. Accordingly, we do notshare information with third parties for accounts with a primary mailingaddress in those states except as required or permitted by applicablefederal and state law. To comply with California and Vermont laws, wedo not household account statements without written consent foraccounts with a primary mailing address in California or Vermont.Therefore, these accounts are automatically opted out of statementhouseholding. Additionally, Vermont accounts are automatically optedout of the sharing of eligibility information and use of personal informa-tion for direct marketing by our affiliates (as described in “How YouCan Direct How Your Information Is Shared and Presented” above). Ifthis paragraph applies to your accounts and you would like to haveyour statements householded or receive marketing communicationsfrom our affiliates, please contact your Financial Advisor at the toll-freenumber listed on your account statements.

Accessing and Revising Your Personal InformationWe strive to keep our customer files complete and accurate. Weencourage you to review information in account statements and notifyus if you believe any information should be corrected or updated. If youhave questions or concerns about your personal information or this pri-vacy notice, please contact your Financial Advisor at the toll-free num-ber listed on your account statements.

Special Note for Clients With Limited-Purpose Employee StockBenefit Plan Accounts Administered by UsIf your relationship with us is solely through a limited-purpose employeestock benefit plan account, we share personal information only for thepurposes of administering and providing stock benefit plan services.These limited-purpose accounts are excluded from sharing of personalinformation with our affiliates and nonaffiliated third parties, except inconnection with performing those services or completing transactionsauthorized by you, or for regulatory or legal purposes. For example, weshare information with mailing vendors that produce statements andconfirms on our behalf, but we do not disclose your personal informa-tion to affiliates or nonaffiliated third parties for marketing purposes.Accordingly, these accounts have been opted out automatically fromthe sharing of eligibility information and directing marketing by ouraffiliates described in “How You Can Direct How Your Information IsShared and Presented” above.

Because your plan sponsor provides us with your personal information,please contact your personnel or human resources department forchanges to your personal information.

Last updated: July 1, 2008



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Purpose of FormA person who is required to file an information return with the IRSmust obtain your correct taxpayer identification number (TIN) toreport, for example, income paid to you, real estate transactions,mortgage interest you paid, acquisition or abandonment of securedproperty, cancellation of debt, or contributions you made to an IRA.

Use Form W-9 only if you are a U.S. person (including a residentalien), to provide your correct TIN to the person requesting it (therequester) and, when applicable, to:

1. Certify that the TIN you are giving is correct (or you are waiting fora number to be issued),

2. Certify that you are not subject to backup withholding, or

3. Claim exemption from backup withholding if you are a U.S. exemptpayee. If applicable, you are also certifying that as a U.S. person,your allocable share of any partnership income from a U.S. trade orbusiness is not subject to the withholding tax on foreign partners’share of effectively connected income.

Definition of a U.S. person. For federal tax purposes, you are con-sidered a U.S. person if you are:

• An individual who is a U.S. citizen or U.S. resident alien, • A partnership, corporation, company, or association created or

organized in the United States or under the laws of the UnitedStates,

• An estate (other than a foreign estate), or • A domestic trust (as defined in Regulations section 301.7701-7).

Special rules for partnerships. Partnerships that conduct a trade orbusiness in the United States are generally required to pay a withhold-ing tax on any foreign partners’ share of income from such business.Further, in certain cases where a Form W-9 has not been received, apartnership is required to presume that a partner is a foreign person,and pay the withholding tax. Therefore, if you are a U.S. person thatis a partner in a partnership conducting a trade or business in theUnited States, provide Form W-9 to the partnership to establish yourU.S. status and avoid withholding on your share of partnershipincome.

The person who gives Form W-9 to the partnership for purposes ofestablishing its U.S. status and avoiding withholding on its allocableshare of net income from the partnership conducting a trade or busi-ness in the United States is in the following cases:

• The U.S. owner of a disregarded entity and not the entity, • The U.S. grantor or other owner of a grantor trust and not the

trust, and • The U.S. trust (other than a grantor trust) and not the beneficiaries

of the trust.

Foreign person. If you are a foreign person, do not use Form W-9.Instead, use the appropriate Form W-8 (see Publication 515,Withholding of Tax on Nonresident Aliens and Foreign Entities).

Nonresident alien who becomes a resident alien. Generally, onlya nonresident alien individual may use the terms of a tax treaty toreduce or eliminate U.S. tax on certain types of income. However,most tax treaties contain a provision known as a “saving clause.”Exceptions specified in the saving clause may permit an exemptionfrom tax to continue for certain types of income even after the payeehas otherwise become a U.S. resident alien for tax purposes.

If you are a U.S. resident alien who is relying on an exception con-tained in the saving clause of a tax treaty to claim an exemption fromU.S. tax on certain types of income, you must attach a statement to

Form W-9 that specifies the following five items: 1. The treaty country. Generally, this must be the same treaty under

which you claimed exemption from tax as a nonresident alien. 2. The treaty article addressing the income. 3. The article number (or location) in the tax treaty that contains the

saving clause and its exceptions. 4. The type and amount of income that qualifies for the exemption

from tax. 5. Sufficient facts to justify the exemption from tax under the terms

of the treaty article.

If you are a nonresident alien or a foreign entity not subject to backupwithholding, give the requester the appropriate completed Form W-8.

What is backup withholding? Persons making certain payments toyou must under certain conditions withhold and pay to the IRS 28%of such payments. This is called “backup withholding.” Payments thatmay be subject to backup withholding include interest, tax-exemptinterest, dividends, broker and barter exchange transactions, and roy-alties.

You will not be subject to backup withholding on payments youreceive if you give the requester your correct TIN, make the propercertifications, and report all your taxable interest and dividends onyour tax return.

Payments you receive will be subject to backup withholding if:1. You do not furnish your TIN to the requester, 2. You do not certify your TIN when required, 3. The IRS tells the requester that you furnished an incorrect TIN, 4. IRS tells you that you are subject to backup withholding because

you did not report all your interest and dividends on your taxreturn (for reportable interest and dividends only), or

5. You do not certify to the requester that you are not subject tobackup withholding under 4 above (for reportable interest and div-idend accounts opened after 1983 only).

Certain payees and payments are exempt from backup withholding.See the instructions below and the separate Instructions for theRequester of Form W-9.

Also see Special rules for partnerships above.

Penalties

Failure to furnish TIN. If you fail to furnish your correct TIN to arequester, you are subject to a penalty of $50 for each such failureunless your failure is due to reasonable cause and not to willful neg-lect.

Civil penalty for false information with respect to withholding.If you make a false statement with no reasonable basis that results inno backup withholding, you are subject to a $500 penalty.

Criminal penalty for falsifying information. Willfully falsifying cer-tifications or affirmations may subject you to criminal penalties includ-ing fines and/or imprisonment.

Misuse of TINs. If the requester discloses or uses TINs in violation offederal law, the requester may be subject to civil and criminal penal-ties.

Specific Instructions

Name If you are an individual, you must generally enter the name shown onyour income tax return. However, if you have changed your last name,for instance, due to marriage without informing the Social SecurityAdministration of the name change, enter your first name, the last


name shown on your social security card, and your new last name. Ifthe account is in joint names, list first, and then circle, the name ofthe person or entity whose number you entered in Part I of the form.

Sole proprietor. Enter your individual name as shown on yourincome tax return on the “Name” line. You may enter your business,trade, or “doing business as (DBA)” name on the “Business name”line.

Limited liability company (LLC). Check the “Limited liability compa-ny” box only and enter the appropriate code for the tax classification(“D” for disregarded entity, “C” for corporation, “P” for partnership)in the space provided.

For a single-member LLC (including a foreign LLC with a domesticowner) that is disregarded as an entity separate from its owner underRegulations section 301.7701-3, enter the owner’s name on the“Name” line. Enter the LLC’s name on the “Business name” line.

For an LLC classified as a partnership or a corporation, enter the LLC’sname on the “Name” line and any business, trade, or DBA name onthe “Business name” line.

Other entities. Enter your business name as shown on required fed-eral tax documents on the “Name” line. This name should match thename shown on the charter or other legal document creating theentity. You may enter any business, trade, or DBA name on the“Business name” line.

Note. You are requested to check the appropriate box for your status(individual/sole proprietor, corporation, etc.).

Exempt Payee

If you are exempt from backup withholding, enter your name asdescribed above and check the appropriate box for your status, thencheck the “Exempt payee” box in the line following the businessname, sign and date the form.

Generally, individuals (including sole proprietors) are not exempt frombackup withholding. Corporations are exempt from backup withhold-ing for certain payments, such as interest and dividends.

Note. If you are exempt from backup withholding, you should stillcomplete this form to avoid possible erroneous backup withholding. The following payees are exempt from backup withholding:

1. An organization exempt from tax under section 501(a), any IRA, ora custodial account under section 403(b)(7) if the account satisfiesthe requirements of section 401(f)(2),

2. The United States or any of its agencies or instrumentalities, 3. A state, the District of Columbia, a possession of the United

States, or any of their political subdivisions or instrumentalities, 4. A foreign government or any of its political subdivisions, agencies,

or instrumentalities, or 5. An international organization or any of its agencies or instrumen-

talities.

Other payees that may be exempt from backup withholding include:

6. A corporation, 7. A foreign central bank of issue, 8. A dealer in securities or commodities required to register in the

United States, the District of Columbia, or a possession of theUnited States,

9. A futures commission merchant registered with the CommodityFutures Trading Commission,

10. A real estate investment trust, 11. An entity registered at all times during the tax year under the

Investment Company Act of 1940, 12. A common trust fund operated by a bank under section 584(a), 13. A financial institution, 14. A middleman known in the investment community as a nominee

or custodian, or 15. A trust exempt from tax under section 664 or described in sec-

tion 4947.

The chart below shows types of payments that may be exempt frombackup withholding. The chart applies to the exempt payees listedabove, 1 through 15.

Taxpayer Identification Number (TIN)

Enter your TIN in the appropriate box. If you are a resident alienand you do not have and are not eligible to get an SSN, your TIN isyour IRS individual taxpayer identification number (ITIN). Enter it in thesocial security number box. If you do not have an ITIN, see How to geta TIN below.

If you are a sole proprietor and you have an EIN, you may enter eitheryour SSN or EIN. However, the IRS prefers that you use your SSN.

If you are a single-member LLC that is disregarded as an entity sepa-rate from its owner, enter the owner’s SSN (or EIN, if the owner hasone). Do not enter the disregarded entity’s EIN. If the LLC is classifiedas a corporation or partnership, enter the entity’s EIN.

Note. See the chart on the next page for further clarification of name and TIN combinations.

How to get a TIN. If you do not have a TIN, apply for one immedi-ately. To apply for an SSN, get Form SS-5, Application for a SocialSecurity Card, from your local Social Security Administration office orget this form online at www.ssa.gov. You may also get this form bycalling 1-800-772-1213. Use Form W-7, Application for IRS IndividualTaxpayer Identification Number, to apply for an ITIN, or Form SS-4,Application for Employer Identification Number, to apply for an EIN.You can apply for an EIN online by accessing the IRS website atwww.irs.gov/businesses and clicking on Employer IdentificationNumber (EIN) under Starting a Business. You can get Forms W-7 andSS-4 from the IRS by visiting www.irs.gov or by calling 1-800-TAX-FORM (1-800-829-3676).

IF the payment is for... THEN the payment isexempt for...

Interest and dividend payments All exempt payees except for 9

Broker transactions Exempt payees 1 through 13.Also, a person registeredunder the Investment AdvisersAct of 1940 who regularlyacts as a broker

Barter exchange transactionsand patronage dividends

Exempt payees 1 through 5

Payments over $600 requiredto be reported and direct salesover $5,000

Generally, exempt payees 1through 7


If you are asked to complete Form W-9 but do not have a TIN, write“Applied For” in the space for the TIN, sign and date the form, and giveit to the requester. For interest and dividend payments, and certain pay-ments made with respect to readily tradable instruments, generally youwill have 60 days to get a TIN and give it to the requester before you aresubject to backup withholding on payments. The 60-day rule does notapply to other types of payments. You will be subject to backup with-holding on all such payments until you provide your TIN to the requester.

Note. Entering “Applied For” means that you have already applied for aTIN or that you intend to apply for one soon.

Caution: A disregarded domestic entity that has a foreign owner mustuse the appropriate Form W-8.

Certification

To establish to the withholding agent that you are a U.S. person, or resi-dent alien, sign Form W-9.

For a joint account, only the person whose TIN is shown in Part I shouldsign (when required). Exempt payees, see Exempt Payee on page 27.

Signature requirements. Complete the certification as indicated in 1and 2 below.

1. Interest, dividend, broker, and barter exchange accounts. Youmust sign the certification or backup withholding will apply. If youare subject to backup withholding and you are merely providing yourcorrect TIN to the requester, you must cross out item 2 in the certifi-cation before signing the form.

2. Mortgage interest paid by you, acquisition or abandonment ofsecured property, cancellation of debt, qualified tuition pro-gram payments (under section 529), IRA, Coverdell ESA, ArcherMSA or HSA contributions or distributions, and pension distri-butions. You must give your correct TIN, but you do not have to signthe certification.

What Name and Number To Give the Requester

1 List first and circle the name of the person whose number you furnish. If only one person on ajoint account has an SSN, that person’s number must be furnished.

2 Circle the minor’s name and furnish the minor’s SSN. 3 You must show your individual name and you may also enter your busi-

ness or “DBA” name on the second name line. You may use eitheryour SSN or EIN (if you have one), but the IRS encourages you to useyour SSN.

4 List first and circle the name of the trust, estate, or pension trust. (Donot furnish the TIN of the personal representative or trustee unless thelegal entity itself is not designated in the account title.) Also see Specialrules for partnerships on page 26.

Note. If no name is circled when more than one name is listed, thenumber will be considered to be that of the first name listed.

Privacy Act Notice Section 6109 of the Internal Revenue Code requires you to provide your correct TIN to persons who must file information returns with the IRS toreport interest, dividends, and certain other income paid to you, mortgage interest you paid, the acquisition or abandonment of secured property, can-cellation of debt, or contributions you made to an IRA, or Archer MSA or HSA. The IRS uses the numbers for identification purposes and to help verifythe accuracy of your tax return. The IRS may also provide this information to the Department of Justice for civil and criminal litigation, and to cities,states, the District of Columbia, and U.S. possessions to carry out their tax laws. We may also disclose this information to other countries under a taxtreaty, to federal and state agencies to enforce federal nontax criminal laws, or to federal law enforcement and intelligence agencies to combat terror-ism.

You must provide your TIN whether or not you are required to file a tax return. Payers must generally withhold 28% of taxable interest, dividend, andcertain other payments to a payee who does not give a TIN to a payer. Certain penalties may also apply.

For this type of account: Give name and SSN of:

1. Individual 2. Two or more individuals (joint

account)

3. Custodian account of a minor(Uniform Gift to Minors Act)

4. a. The usual revocable savingstrust (grantor is also trustee)b. So-called trust account that isnot a legal or valid trust understate law

5. Sole proprietorship or disregard-ed entity owned by an individ-ual

The individual The actual owner of the accountor, if combined funds, the firstindividual on the account 1

The minor 2

The grantor-trustee 1

The actual owner 1

The owner 3

For this type of account: Give name and EIN of:

6. Disregarded entity not ownedby an individual

7. A valid trust, estate, or pensiontrust

8. Corporate or LLC electing cor-porate status on Form 8832

9. Association, club, religious,charitable, educational, orother tax-exempt organization

10. Partnership or multi-memberLLC

11. A broker or registered nomi-nee

12. Account with the Departmentof Agriculture in the name ofa public entity (such as a stateor local government, schooldistrict, or prison) that receivesagricultural program payments

The owner

Legal entity 4

The corporation

The organization

The partnership

The broker or nominee

The public entity

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