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For Internal Use Only
Branch No.

Financial Advisor No.

Account No.

Qualified Plan Participant Agreement

N

This Qualified Plan Participant Agreement (“Agreement”) is to be used to establish a participant-directed brokerage account (“Account”)
with Morgan Stanley Smith Barney LLC (“Morgan Stanley Smith Barney” or “MSSB”)1 under Retirement Plan Manager (“RPM”) andVersatile Investment Program (“VIP”) Plans or under the Self-Directed Retirement Account program (“SDRA”) (through ING Life
Insurance and Annuity Company or ING Institutional Plan Services, LLC (collectively, “ING”)).2 In the Agreement, the words “we,” “us,”“our” and MSSB refer to Morgan Stanley Smith Barney LLC. The words “you,” “your,” and “yours” refer to the beneficial owner of the
Account (as opposed to the “legal owner,” who is the Plan’s Trustee(s) as further described below).

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The Plan’s Trustee(s) and the plan sponsor of your Plan (the “Plan Sponsor”) have also signed a separate agreement with us or ING inconnection with the Plan named below which permits you to establish your Account for the purpose of directing investments, and alsoestablishes the Plan Account, which is a non-transactional account established for the Plan to facilitate billing and mailings, with whichyour Account is associated. Generally, investments in your Account may consist of, among other things, publicly traded securities, covered
option writing, various mutual funds, unit trusts, annuity contracts, money market instruments and money market funds. However, there
may be restrictions based on our or your Plan’s policies, or applicable law.

N

O

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While your Plan’s Trustee(s) and Plan Sponsor have permitted you to direct investments within your Account, the Plan’s Trustee remains
the legal owner of all Plan assets, including those held in your Account, and the rules regarding withdrawals, contributions and otheractions are primarily governed by a separate trust document. Therefore, certain instructions, such as requests for withdrawals or otherdisbursements, must be made by the Trustee named under the trust or, in the case of SDRA, ING. In the event that all of the named
Trustees are removed, resign, die, become incapacitated or are otherwise unable to provide such instructions, and there is no longer a Plan
Sponsor, you may need to seek additional guidance from the Department of Labor or a court of competent jurisdiction.

PL

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Your Plan Sponsor determines whether your Account is established under the VIP, RPM or SDRA product. Under the VIP product (andnot the RPM or SDRA products), we provide your Plan Sponsor with prototype documents sponsored by us (the “VIP Plan Document”)
and we are the Custodian of the assets in your Account. While your Plan Sponsor is responsible for taking action to maintain the taxqualified status of the VIP Plan Document, we will provide your Plan Sponsor with information required for such maintenance. However,
we may need to, and reserve the right to, take certain actions (including freezing the distribution of assets held in your Account) if we
believe the Plan, including the assets held within Accounts maintained by the Plan, is no longer qualified due to the Plan Sponsor’s failure
to amend the VIP Plan Document on a timely basis.

SAM

If you are entitled to a distribution or withdrawal from your VIP or RPM Plan, and your Plan’s Trustee directs us accordingly, please
be aware that you will still be required to sign a Morgan Stanley Smith Barney distribution/withdrawal request form in order to receive
the distribution or withdrawal (and that, for certain accounts, this may require you to fill out an IRS Form W-4P). Distribution orwithdrawal requests from the SDRA must be initiated by you through ING.
You must complete this Agreement even if you are enrolling in a Morgan Stanley Smith Barney advisory program at the sametime. However, in the event of any conflict in the terms of this Agreement and the advisory agreement, the terms of the advisory
agreement will control so long as the advisory agreement is in effect.

1

Morgan Stanley Smith Barney LLC is a registered broker-dealer, not a bank. Where appropriate, we have entered into arrangements with licensed banks and other third parties to assist in offeringcertain services. Unless otherwise specifically disclosed to you in writing, investments and services offered through Morgan Stanley Smith Barney, member SIPC, are not insured by the FDIC, are
not deposits or other obligations of, or guaranteed by, banks and involve investments risks, including possible loss of principal amount invested.

2

The Agreement sets forth the terms and conditions of the Account and, together with the Welcome Book and other disclosures provided at account opening, provides important information about
Account services and fees. Also included in your Account opening materials is a copy of our U.S. Privacy Policy. The Account you are opening through this Agreement is a brokerage account.
Certain services may not be available in jurisdictions outside the United States.

Qualified Plan Participant Agreement
RETQPAMT No212 (02/2012)
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Part I. Participant Profile
Plan Information
You may need to contact your Plan Sponsor for this information:
Name of Plan

Plan Tax Identification Number

Plan Account Number (if known)

Participant InformationN

INDIVIDUAL NAMERLEGAL RESIDENCE: STREET ADDRESSHOME PHONE	

ET
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CITY, STATE AND ZIP OR POSTAL CODE (AND COUNTRY IF OUTSIDE THE UNITED STATES)
BUSINESS PHONE	CELL PHONER

MAILING ADDRESS (IF DIFFERENT FROM PRIMARY RESIDENCE): STREET ADDRESST

MAILING ADDRESS/CITY, STATE AND ZIP OR POSTAL CODE (AND COUNTRY IF OUTSIDE THE U.S.)O

E-MAIL ADDRESS (REQUIRED FOR CERTAIN ONLINE SERVICES)

MarriedSingleNumber of Dependents:
Gender:Male

FemaleE

Citizenship/Residence

Domestic Partner-D
O

Marital Status:

DATE OF BIRTH (MM/DD/YYYY)

N

SOCIAL SECURITY (OR TAXPAYER IDENTIFICATION NUMBER)

U.S. Citizen

Other

Country of Residence:

U.S. Resident

Other

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Country of Citizenship:SA

If not a U.S. citizen, please provide:

PASSPORT NUMBER

DATE OF EXPIRATION (MM/DD/YYYY)ISSUING COUNTRY

Employment Status
Employed

Self-Employed

Not EmployedStudent

RetiredOther

If employed, please specify occupation and title:

EMPLOYER NAME/ADDRESS
CITY, STATE AND ZIP OR POSTAL CODE (AND COUNTRY IF OUTSIDE THE UNITED STATES)

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Affiliations
Check here if you, your spouse or immediate family member3 is a: Director, 10% or greater shareholder, policymaking executive officer or executive officer for a U.S. publicly traded firm (including a foreigncompany that has securities, such as American Depository Receipts, that are listed on a U.S. exchange or trade publicly in the United States).
 Director, partner or employee of a registered broker-dealer, a securities exchange or an entity controlled by a securities exchange ora registered securities association; or a portfolio manager for a bank, savings and loan institution, insurance company, investmentcompany, investment advisor or collective investment account.

EMPLOYER’S NAME	TITLE AND POSITIONR

TITLE AND POSITIONETUEMPLOYER’S NAME	

N

Please complete the following for each person for whom you checked a box (if applicable):

Automatic Cash Sweep

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N

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The Bank Deposit Program will be your default sweep investment unless you are eligible to and do choose another sweep investment or
are otherwise ineligible to participate in the Bank Deposit Program (e.g., certain persons residing outside the U.S.)4. The Bank Deposit
Program is described below in Part II. Section 5 (entitled “Sweep”), as well as in the Bank Deposit Program Disclosure that can be foundat www.morganstanleyindividual.com/accountoptions/activeassets/investmentfeatures. If you are ineligible to participate in the Bank
Deposit Program, or if you are enrolling in a Morgan Stanley Smith Barney advisory program at the same time that you are completing
this Agreement and want to select a different sweep investment, please select the money market fund listed below and review theprospectus. You should consider the investment objectives, risks, charges and expenses of the fund before investing. Also, if you select afund and do not meet the applicable minimum investment, your Free Credit Balances will be invested in your default sweep investment.
MS Liquid Asset FundBank Deposit Program  

Account Linking Service

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E

To minimize the number of separate mailings you receive, Morgan Stanley Smith Barney offers an automatic Account Linking Service.
The Account Linking Service allows you to receive multiple account statements and other important information together in a single
envelope, in a consolidated format with a summary page showing the account value of each account. Accounts that have the same
mailing address, branch and Financial Advisor, and Social Security Number(s)/Tax ID Number(s) will be subject to the automatic
Account Linking Service. Annual Summary Statements may not be linked. There is no charge for this service. If you do not wish to takeadvantage of the automatic Account Linking Service and want to opt-out of that service, please contact your Financial Advisor.

SA

You may also manually add accounts to an account linked group for accounts that have different Social Security Numbers/Tax ID
Number(s), provided all other eligibility rules have been met. If you link your accounts with separate account(s) owned by others, however,your personal and financial information will be provided to such other account owners by virtue of being consolidated in a single envelope.
After an account has been identified as eligible for automatic Account Linking, but before the link is active, you will see a message on yourmonthly account statement advising you that these new accounts will be added to an Account Link group during the following statement
cycle. Upon receipt of your next monthly account statement, your eligible accounts will be consolidated into a single envelope throughour Account Linking service. With Account Linking, your consolidated statements all arrive at the same time and can be accessed online
through a single ClientServ sign-on. Account Linking also allows the addressee designated as the primary account holder, and anyone towhom the primary account holder has delegated access, to have access to view all linked accounts online on ClientServ. For information
about our client website, and online services such as eDelivery of your statement, go to www.morganstanleyclientserv.com.
3

“Immediate family member” means any child, stepchild, grandchild, parent, grandparent, spouse, sibling, in-law, adoptive relationship and any individual to whom you provide material support(i.e., more than 25% of the individual’s income or living in the same household).

4

If you reside outside the U.S. and are not eligible for the Bank Deposit Program, the SICAV U.S. Dollar Liquidity Fund Offshore Money Market Fund will be your default sweep investment
unless you elect otherwise.

Qualified Plan Participant Agreement
RETQPAMT No212 (02/2012)
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Disclosure of Your Name to Issuers of Securities
Securities and Exchange Commission (“SEC”) rules require us to disclose to an issuer, upon the issuer’s request, your name, address andthe number of shares of the issuer’s securities that we hold for you in “street” name, unless you have objected to such disclosure. The issuer
is permitted to use this information for shareholder communications only.
If you object to us providing this information to issuers, please check this box.

The USA PATRIOT5 Act
Important Information about Procedures for Opening a New Account or Establishing a New Customer RelationshipRN

To help the government fight the funding of terrorism and money laundering activities, federal law requires all U.S. financial institutions
to obtain, verify and record information that identifies each individual or institution that opens an account or establishes a customer
relationship with Morgan Stanley Smith Barney.

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What this means for you: When you enter into a new customer relationship with Morgan Stanley Smith Barney, we will ask for yourname, address, date of birth (as applicable) and other identification information. This information will be used to verify your identity.
As appropriate, Morgan Stanley Smith Barney may, in its discretion, ask for additional documentation or information. If all required
documentation or information is not provided, Morgan Stanley Smith Barney may be unable to open an account or maintain arelationship with you.

T

Part II. Participant Agreement

O

In consideration of MSSB opening, maintaining or servicing the Account on your behalf, it is agreed that the terms and conditions of thisAgreement apply to the Account.

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PL

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The provisions of this Agreement shall be continuous. Your heirs, executors, administrators, assigns or successors will also be boundby the terms of this Agreement, as will any successor organization or assign of MSSB. Except for the statute of limitations applicable
to claims, this Agreement is governed by the laws of the State of New York, without giving effect to principles of the conflict of laws.
The statute of limitations for claims will be governed by the law of the state in which you reside. If you do not reside in the UnitedStates, the statute of limitations shall be that which would be applied by the courts in the state where the MSSB office servicing yourAccount is located. If any provision of this Agreement becomes inconsistent with any applicable current or future law, rule or regulation,that provision will be deemed changed to conform to the law. However, all other provisions will remain in effect. If any provision of thisAgreement is determined by competent authority to be prohibited or unenforceable in any jurisdiction, that provision shall be deemed
ineffective in that jurisdiction without invalidating the rest of this Agreement, nor rendering such provision invalid or unenforceable inany other jurisdiction.

SA

Unless otherwise required by applicable law, and except as set forth in this Agreement or in other disclosures provided to you, neither we
nor any other entity performing services in connection with this Agreement will be liable for consequential, special or indirect damages orlosses. This Agreement does not confer any rights on any third parties.
You agree that our failure to insist at any time upon strict compliance with any term of this Agreement, or any delay or failure on our partto exercise any power or right given to us in this Agreement, or a continued course of such conduct on our part, shall at no time operate
as a waiver of such power or right, nor shall any single or partial exercise preclude any other further exercise. All rights and remedies given
to us in this Agreement are cumulative and not exclusive of any other rights or remedies which we otherwise have.
MSSB may amend, supplement, modify or rescind any and all provisions of this Agreement, and, unless they are adverse to you or notice isrequired either by the provisions of applicable law or other governing agreements applicable to your Account, such changes will take effectwithout notice to you. If, however, such changes are adverse to you, we will provide you with notice in accordance with applicable regulations
before such changes take effect. MSSB may sell, transfer or assign this Agreement, in whole or in part, at any time with or without notice toyou. You may not sell, assign or transfer any of your obligations under this Agreement without the express written consent of MSSB.

5The Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act, Pub.l.No. 107-56 (2001).

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We may, with or without notice to you, decline to offer you certain services or cancel existing services available under this Agreement at
our sole discretion consistent with the requirements of applicable law and other governing agreements applicable to your Account.
You acknowledge that all agreements hereunder may be executed in counter parts. Certain features of your Account may be subject toadditional applications and agreements that also govern or supplement this Agreement, all of which collectively govern your relationshipwith MSSB.

1. Communicating with You

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From time to time, but no less frequently than quarterly, we will send you statements for your Account. We will also send you transaction
confirmations as required by law or regulation. We will keep on file for you a mailing address that you provide (including an e-mailaddress if so provided), and will use the address specified by you or any updated address you provide, to send you written communication
by mail or other methods. We will consider any communication delivered to that address as delivered to you personally. You must notify
us immediately of any change to your mailing or e-mail address. If MSSB becomes aware of a change of your mailing address throughnotification from the U.S. Postal Service, it may update its records accordingly, however, MSSB has no obligation to you to update yourmailing address unless you have personally notified us of the address change.

R

You acknowledge that the rules of the Securities and Exchange Commission (the “SEC”) require that certain communications be sent toyou rather than to an agent acting on your behalf. You warrant that the address specified by you is an address where you personally receive
communications unless it is the address of a qualified custodian as defined by the SEC.

O

T

You acknowledge that if you have provided instructions to link your Account with separate accounts of others, your personal and financial
information may be provided to such other account owners by virtue of your Account being linked.

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N

If you have designated another individual to receive your communications from us pursuant to an alternate mail instruction, you agree
that the instruction is applicable to all communications (except certain regulatory mandated communications) including but not limited
to proxies, prospectuses, confirmations and statements of account. In consideration of MSSB accepting and acting upon that instruction,
you agree that all such communications shall be deemed for all purposes to have been personally received by you on the date indicatedin such communication. You further agree to indemnify and hold harmless MSSB, its officers, directors and employees from any and all
liabilities arising from MSSB’s compliance with these instructions and you hereby specifically waive any claims from your election not topromptly review transactions posted to your Account.

SA

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Transactions entered into for your Account shall be confirmed in writing to you where required by applicable law or regulation. You agree
that transactions on your statements and confirmations shall conclusively be deemed accurate, binding and authorized by you unless
you notify us in writing, within three (3) days of receipt for confirmations and ten (10) days of receipt for statements. Even if you haveverbally advised us of any inaccuracy or unauthorized activity, you must send written notice by letter or mail of the believed inaccuracy tothe manager of the branch office servicing your Account. Failure to so notify MSSB in writing will preclude you from asserting at a later
date that such transaction was inaccurate or unauthorized.
You understand and agree that the property in your Account may be transferred to the appropriate state if we are unable to contact you by
mail or e-mail and no activity has occurred in the Account within the time period specified by state law.

2. Electronic Delivery
If you request electronic delivery, you understand and agree that you are providing blanket authorization to discontinue hard-copy
delivery of most documents relating to your MSSB Account and begin electronic delivery to the e-mail address you provide. Documents
include but are not limited to your account statements, trade confirmations (including those accompanied by a prospectus), performance
reports, Corporate Action Credit Advices, account documentation (including your agreements and amendments to such), and all documentsthat may be added to eDelivery in the future, including tax documents (e.g., Forms 1099) and general correspondence (collectively “eDelivery
Documents”). When you enroll in eDelivery, you consent to the electronic delivery of all eDelivery Documents and further agree andunderstand that you will not receive, and we are not obligated to provide, paper copies of such eDelivery Documents.

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Your agreement to eDelivery also includes electronic delivery of syndicate offerings materials, including preliminary prospectuses andother documents including pricing terms for equity initial public offerings (IPOs), secondary offerings, and follow-ons as well as new issue
Structured Investments and new issue Fixed Income Securities (“Syndicate Offerings”).
By selecting eDelivery, you are providing your informed and positive consent to receive eDelivery Documents electronically by accessing themon an MSSB or other third-party website selected by MSSB after being electronically notified by e-mail that the eDelivery Documents areavailable for your review. After enrollment, you will receive enrolled eDelivery Documents in electronic form rather than by physical delivery.

N

You consent that when you select a document by type (e.g., trade confirmations) to be electronically delivered for all of your existing
linked accounts, that document type will be electronically delivered for any accounts you may open in the future which are then linked
to your existing linked accounts. If you do not select electronic delivery for a document type for all of your accounts, then that document
type will not be automatically enrolled for electronic delivery for accounts you may open in the future.

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You consent to be notified by e-mail to the address you provide that an eDelivery Document is available on our secure website or a thirdparty website. The e-mail address that you provide will be used to provide notifications of document availability to you for all selectedaccounts and document types for your ClientServ username.
If at any time we are unable to deliver e-mail notifications to your e-mail address, you understand that:• We will notify you by regular mail.

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• Depending on the reason for the delivery failure, we may immediately suspend eDelivery for the accounts and documents enrolled
under your username/e-mail address, resulting in physical delivery of eDelivery documents until such time that you revalidate your email address. Suspended accounts may not be able to participate in some Syndicate Offerings, which require electronic delivery of
preliminary prospectuses.

E

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N

You understand that certain risks are associated with the transmission of confidential information, electronic delivery notifications, andother communications through the Internet including but not limited to unauthorized access, systems outages, delays, disruptions intelecommunications services and the Internet. E-mail is not private or secure. The electronic delivery notices sent to you by e-mail are notencrypted. Although such electronic delivery notices are not intended to contain personally identifiable information, they may contain in
their design part or all of your name or another identifier that could be seen or intercepted by others if delivered to your business e-mailaddress or other computers or electronic devices not exclusively under your control. You understand and agree that you will not respondto the electronic delivery notice by return e-mail, or use it to request information, service, paper copies or other items or to revokeconsent. MSSB will not be responsible to act upon requests made in this manner.

SA

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Although electronic documents are provided without charge, you understand that other online subscription or access fees by internet
service providers may apply. You must maintain the ability to access and open electronic documents. There are minimum computer
hardware and software requirements necessary to receive and view your electronic documents, including, but not limited to, an internet
connection and internet browsing software. You may request a paper copy of any document delivered through eDelivery but you may
incur a charge for that copy. MSSB will maintain an electronically accessible archive of your eDelivery documents on our secure client
website for 7 years after document publication. If you wish to retain eDelivery documents for a longer period of time, you are responsible
for archiving beyond 7 years. You agree that, notwithstanding a request for electronic delivery of eDelivery Documents, we may in oursole discretion send you copies of documents in hard copy form.

3. Transactions
All transactions entered into under this Agreement shall be subject to any applicable constitution, rules, regulations, customs andusages of the exchange or market and its clearing house, if any, where such transactions are executed by MSSB or its agents and to allapplicable laws, rules and regulations of governmental authorities and self-regulatory agencies. Such reference to the “constitution, rules,
regulations, customs and usages of the exchange” shall in no way be construed to create a cause of action arising from any violation ofsuch constitution, rules, regulations, customs and usages.
In the event of a dispute between parties with conflicting claims as to the ownership of your Account, we may refuse to accept instructions fortransactions in the Account other than joint instructions and we may freeze the assets in the Account to prevent withdrawals or distributions.
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If you are mistakenly credited with specific or definite funds or securities, or we have not yet collected from your Account a specificand definite fee that you have incurred, you will promptly remit such funds or securities upon discovery, or reasonable suspicion, of theerror, or upon our request. If you fail to do so, you will be liable to us not only for the full amount of the overpayment or uncollected
fee but also for any interest and expenses associated with its recovery. You understand and agree that these obligations are in effectnotwithstanding any oral representations to the contrary made by any of our personnel.

4. Restrictions and Account TerminationN

You agree that we may in our sole discretion and without notice to you, to the extent permissible under applicable law and other governing
documents applicable to your Account, decline, cancel or reverse your orders or instructions, or place trading, disbursement and otherrestrictions on any of your accounts. We may hold assets in any of your accounts if it is necessary to comply with governmental requests or
to protect either your or our interests. The provisions of this Agreement will continue to apply to accounts that have been closed.

N

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You agree that we may also in our sole discretion and without notice to you, to the extent permissible under applicable law and othergoverning documents applicable to your Account, terminate or otherwise restrict any or all services rendered under this Agreement at
any time and for any reason. We may determine in our sole discretion to close any of your accounts or resign as custodian with respect
to an account (to the degree applicable). We may also require that certain documentation be completed according to our specifications
and returned to us within a certain period of time. Specifically, failure to return this Agreement to us within 150 days, for an Accountestablished under the RPM or SDRA product, or 180 days, for an Account established under the VIP product, will result in our closureand resignation as custodian of the Account, and any funds held in VIP and RPM accounts will be returned to the authorized Plan
representative. Funds held in the SDRA will be returned to ING. We also require certain documentation to be completed by your Plan
Sponsor/Employer. Failure by the Plan Sponsor/Employer to return documentation related to establishing the Plan Account within thespecified period of time (i.e., 150 days for a Plan Account established under the RPM or SDRA product or 180 days for a Plan Accountestablished under the VIP product) may also result in the closure of this Account at the time the Plan Account is closed.

-DO

You agree that the Plan Sponsor and/or the Trustee of your Plan are authorized to close any of your accounts on your behalf with orwithout your consent, and may do so at any time by giving MSSB notice. When we are instructed to close your Account, we may
immediately cancel all open orders and terminate all services provided to your Account.

PL

E

Upon the closing of your Account (whether closed at the instruction of the Plan Sponsor / ING or Trustee or at our discretion), you shallbear the sole liability for any depreciation in the value of priced securities in the Account due to market movement. You understand andagree that until your Account is closed, we will charge any applicable fees to your Account.

M

You understand and agree that closing an account or terminating or restricting services will not affect your obligations incurred inconnection with the account, including the obligation to pay for securities transactions or other charges. This Agreement will continue togovern matters relating to your Account that arose before your Account was closed or that may arise after the closing of your Account.

SA

In the event of your death, MSSB shall have no liability for following valid instructions previously received from you or received fromyour agent until MSSB has actual notice of your death. Your estate and beneficiaries shall bear the sole liability for any depreciation in thevalue of priced securities in the Account due to market movement following notice of your death.

5. Sweep
You acknowledge and agree that, if your Account is eligible, we are authorized without further direction from you to automatically depositor “sweep” all the free credit balances in your Account into one or more FDIC insured depository institutions (“Sweep Banks”) as moreparticularly set forth in the Bank Deposit Program Disclosure Statement (“Disclosure Statement”). The Disclosure Statement is availableat www.morganstanley.com/accountoptions/activeassets/investmentfeatures and will be sent to you upon your first deposit in the Program,and by which you agree to be bound. You acknowledge and understand that we may modify the terms, conditions and procedures of the
Bank Deposit Program, including, but not limited to, amending the list of Sweep Banks at any time. We will notify you of any changes
that adversely affect you.

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You acknowledge (i) that you are responsible to monitor the total amount of deposits you have at each Sweep Bank in order to determine
the extent of FDIC insurance coverage available to you, and (ii) that MSSB is not responsible for any insured or uninsured portion ofyour deposits at any of the Sweep Banks.
You understand and agree that, if you qualify, you may choose to sweep free credit balances into an affiliated or non-affiliated taxable
money market fund (to the extent available) instead of a Sweep Bank account. If you so instruct us, we are authorized, without any further
direction from you, to invest any eligible free credit balance in any of your accounts in the taxable money market fund you have chosen.

RN

You acknowledge and agree that if you are not eligible to or you do not select a designated sweep investment and are otherwise eligible,
the Bank Deposit Program will be your designated sweep investment by default. You further acknowledge and agree that the rate of returnon the Bank Deposit Program may be higher or lower than the rate of return available on other available sweep investments. You agree
that MSSB is not responsible to you if the Bank Deposit Program has a lower rate of return than the other available sweep investments or
causes any tax consequences resulting from your investment in the Bank Deposit Program by default.

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You understand that some, though not all, sweep investments may have a minimum initial investment and/or BDP Pricing Group value
to activate the sweep. You agree that MSSB may impose its own minimum investment requirement to activate certain sweep investments.
You agree that until such time as you meet the minimum initial investment, and/or BDP Pricing Group value, if applicable, your freecredit balances will remain uninvested or will be invested in the default sweep investment. You further acknowledge that MSSB may at
any time discontinue offering an available sweep investment and, upon notice to you, discontinue your designated sweep investment.

N

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You agree that if you change your designated sweep investment, MSSB may sell your shares in, or withdraw your funds from, yourcurrent designated sweep investment and (as applicable) purchase shares or deposit funds in your new designated sweep investment.
You understand that there may be a delay between the time you sell your shares or withdraw funds from your current designated sweep
investment and the time you purchase shares or deposit funds in your new designated sweep investment and you may not earn interest or
dividends during the time your funds are not invested.

-DO

As set forth in the Bank Deposit Program Disclosure Statement, you understand and agree that MSSB or its affiliates may earn additional
compensation through the investment of your Account in the sweep vehicles noted above.

6. Float and Sweep Investments; Payment for Order Flow and ECNs and ATSsE

Float and Sweep Investments

SA

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MSSB may retain, as compensation for the performance of services, your Account’s proportionate share of any interest earned on
aggregate cash balances held by MSSB with respect to “assets awaiting investment or other processing.” This amount, known as “float,”
is earned by us through investment in a number of short-term investment products and strategies, with the amount of such earnings
retained by us, due to the short-term nature of the investments, being generally at the prevailing Federal Funds interest rate (a publicly
available average rate of all Federal Funds transactions entered into by traders in the Federal Funds market on a given date). “Assets
awaiting investment or other processing” for these purposes includes, to the degree applicable: (i) new deposits to the Account, includinginterest and dividends; (ii) any uninvested assets held by the Account caused by an instruction to purchase or sell securities (which may,after the period described below, be automatically swept into a sweep vehicle); (iii) assets held in the Plan Account (where applicable);and (iv) withdrawals from the Account, to the degree checkwriting privileges may be offered to the Plan. With respect to assets awaiting
investment or other processing: (i) where such assets are received by MSSB on a day generally on which the New York Stock Exchange
and/or the Federal Reserve Banks are open (“Business Day”), float shall be earned by us through the end of that Business Day (known as
the “Sweep Date”), with the client credited interest/dividends in such funds as of the next Business Day following the Sweep Date; or (ii)where such assets are received on a Business Day that is not followed by another Business Day, or on a day which is not a Business Day,float shall be earned by us through the end of the next Business Day. Delays in providing investment instruction would result in increased
compensation in the form of float. Where MSSB facilitates a distribution from the Account, MSSB earns float on money set aside forpayment of outstanding but uncashed checks, generally from the date on the face of the checks until the date that either the recipient
cashes the check or the check is cancelled and the underlying funds are returned to the Account.

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For example: If $10,000 is deposited into an MSSB Account and those funds are awaiting investment (i.e., the funds are not swept into
the MSSB Bank Deposit Program, a money market fund or otherwise invested), MSSB may earn interest or “float” on the funds at theprevailing Federal Funds interest rate (as further described above). Assuming the Federal Funds interest rate is 0.18%, MSSB would earn
5 cents per day ($10,000*0.18%/360 = .05). Please note, however, that uninvested cash typically does not await sweep for more than one
day and MSSB does not invest, and therefore does not earn interest on, all uninvested client cash.
Payment for Order Flow and ECNs and ATSs

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Morgan Stanley Smith Barney is committed to providing the best execution for customer orders. In furtherance of this commitment,
MSSB considers several factors, including price, the available liquidity pool, execution speed, transaction costs, service and opportunities
for price improvement in determining where to route customer orders for execution. Industry regulations require that we disclose whether
we receive compensation for directing client orders for execution to various dealers, exchanges or market centers. This compensationis commonly referred to as “payment for order flow.” MSSB and/or its affiliates accept benefits that constitute payment for order flow.
MSSB routes customer orders to national securities exchanges, alternative trading systems (“ATSs”), including electronic communications
networks (“ECNs”), and other market centers. Certain market centers offer cash credits for orders that provide liquidity to their books
and charge explicitly fees for orders that extract liquidity from their books. From time to time, the amounts of credits that MSSB
and/or its affiliates receive from one or more such market centers may exceed the amounts that they are charged. Under these limited
circumstances, such payments would constitute payment for order flow. Notwithstanding the foregoing, MSSB regularly and rigorously
monitors the quality of the executions provided by all market centers to which customer orders are routed to ensure those market
centers are providing the best execution reasonably available under the circumstances. Additional information regarding these disclosures
will be provided upon written request and certain order rating information is available online at www.morganstanleyindividual.com/
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MSSB and/or its affiliates have ownership interests in and/or Board seats on ECNs or other ATSs. In certain instances, MSSB and/or its
affiliates may be deemed to control one or more of such ECNs or ATSs based on the level of such ownership interests and whether MSSB
and/or its affiliates are represented on the Board of such ECNs or ATSs. MSSB and/or its affiliates may from time to time, directly or
indirectly, effect client trades through ECNs or other ATSs in which MSSB and/or its affiliates have or may acquire an interest or Board
seat, and MSSB and/or its affiliates may thereby receive an indirect economic benefit based upon their ownership in the ECNs or otherATSs. MSSB and/or its affiliates will, directly or indirectly, execute through an ECN or other ATS in which it has an interest only insituations where MSSB and/or its affiliates, or the broker dealer through whom they are accessing the ECN or ATS, reasonably believes
such transaction will be in the best interest of its clients and the requirements of applicable law have been satisfied.

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In particular, it is contemplated that MSSB, subject at all times to its obligations to obtain best execution for its customers’ orders, will
route certain customer order flow to its affiliates. Furthermore, currently, MSSB and/or its affiliates own over 5% of the voting securities
of certain ECNs or ATSs, including: (i) BATS Trading, Inc., operator of BATS Electronic Trading Network (commonly referred to as“BATS”); (ii) the entities that own and control the Block Interest Discovery Service (commonly referred to as “BIDS”); (iii) LavaFlow
Inc.; (iv) EBX Group, LLC; (v) ELX futures Holdings, LLC; (vi) ELX Futures, LP; (vii) The MuniCenter; (viii) Boston Options
Exchange, LLC; (ix) FX Alliance Inc.; (x) National Securities Exchange; (xi) the entity that owns and controls Pure Trading (CanadianTrading and Quotation System Inc., or “CNQ”); (xii) Optifreeze (Ballista Securities); (xiii) Liquidity Hub Limited; (xiv) NYSE Life US;(xv) OTC DerivNet; (xvi) TradeWeb; (xvii) Green Exchange Holdings LLC; and (xviii) MARKIT. Other exchanges, ECNs or ATSs on
which MSSB may execute trades for client accounts include Archipelago, eSpeed, Instinet, NYFIX, Track ECN, BondDesk, ValuBond,and MarketAxe.
You understand and acknowledge that MSSB may effect trades on behalf of client accounts through exchanges, electronic communication
networks, alternative trading systems and similar execution systems and trading venues (collectively, “Trading Systems”), including
Trading Systems in which MSSB and/or its affiliates may have a direct or indirect ownership interest. In addition, you understand andagree that, subject at all times to its obligations to obtain best execution for its customers’ orders, MSSB will route certain customer
order flow to its affiliates, and that, currently, MSSB and/or its affiliates own over 5% of the voting securities of certain Electronic
Communication Networks (“ECNs”) or Automated Trading Systems (“ATSs”), as listed above. Other exchanges, ECNs or ATSs on which
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MSSB may execute trades for client accounts are also listed above. The ECNs and ATSs on which MSSB trades for client accounts andin which MSSB and/or its affiliates own interests may change from time to time. You may contact Morgan Stanley Smith Barney for an
up-to-date list of ECNs and ATSs in which MSSB and/or its affiliates own interests. You hereby authorize MSSB to effect trades on behalfof your account(s) through all such Trading Systems, affiliated and unaffiliated, and all such other Trading Systems through which MSSB
may determine to trade in the future. You further acknowledge that this Agreement shall constitute the requisite authorization and noticeof MSSB’s intent to trade through all such Trading Systems, pursuant to section 408(b)(16) of the Employee Retirement Income Security
Act of 1974, as amended (“ERISA”) and/or section 4975(d)(19) of the Internal Revenue Code of 1986, as amended (“Code”).
To the extent separately charged (as opposed to being included in any Managed Account fee), you agree that brokerage charges will beassessed against your Account and will be provided to you through securities transaction confirms.

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7. Costs and Debt You May Incur

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As security for the payment of any amounts owed to us or our affiliates by you under this Agreement or otherwise, you grant to us a firstpriority continuing security interest in and lien on, and a right of setoff with respect to, all property that is, now or in the future, held,
carried or maintained for any purpose in or through this or any other account with us that you maintain or have an interest in, whether
owned individually, jointly or in the name of another person or entity. IRAs, any qualified retirement or welfare benefit plan account,any Education Savings Account, or any other account holding assets of a “plan” as defined in section 4975 of the Code (collectively,“Retirement and Education Savings Accounts”), containing property are not subject to a security interest, lien or right of setoff fordebts owed us in your other accounts, but remain subject to legal remedies for debts and obligations owed in relation to the accounts
themselves. You agree that we may elect, at any time, with or without notice, to make any debit balance or other obligation related toyour Account immediately due and payable. You further agree that we may at our discretion hold such property until your debts or
obligations to us are fully satisfied, or we may apply such property and the proceeds of its liquidation toward the satisfaction of your debts
and obligations. You understand that you will remain liable to MSSB for any deficiency. In enforcing our security interest, you agree that
we have the discretion to determine which property is to be sold and the order in which it is to be sold. We also have all the rights andremedies available to us as a secured party under the New York Uniform Commercial Code. You agree that you will not cause or allow anyof the collateral held in your Account, whether now owned or hereafter acquired, to be or become subject to any liens, security interests,
mortgages or encumbrances of any nature other than our security interest without our prior written consent.

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As used in this Agreement, “property” includes, but is not limited to, investment property, securities and commodities accounts, securitiesof all kinds, money, savings deposits, certificates of deposit, bankers’ acceptances, commercial paper, options, commodities and contracts
for future delivery of commodities or relating to commodities or securities, and the distributions, proceeds, products and accessions of
any of the above. All property held in a securities account shall be treated as a financial asset under Article 8 of the New York Uniform
Commercial Code.

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Whenever it is necessary for our protection to satisfy any amounts owed to us by you (including, without limitation, the filing by,
on behalf of, or against you of a petition or other proceeding under any applicable bankruptcy or insolvency laws), we may — but are
not required to — sell, assign and deliver all or any part of the securities and other property held in your Account, or close any or alltransactions in your Account. You agree to be responsible for all costs and commissions related to such liquidations. In addition, you agree
that we shall be entitled to apply any dividends, capital gains payments, interest payments or other incoming funds, such as funds thatwould otherwise be invested through the Dividend Reinvestment Program, to cover fees or other indebtedness to us.
You agree to pay any account fees and other charges related to your Account(s) with us, and authorize us to automatically debit such feesfrom your Account(s) if such fees and charges are not paid on a timely basis pursuant to an agreement with us. You agree to promptly
pay any deficiency that might arise in your Account(s). You also agree that we may apply and you will pay a finance charge on any debit
balance in your cash Account(s). You understand and agree that we reserve the right to add or change account and service fees and charges
which apply to your Account(s).

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8. Participant Qualifications
By signing this Agreement, you represent that you are of the age of majority and are qualified to open account(s) with MSSB.
Unless you advise us in writing to the contrary, you also represent that neither you nor any member of your immediate family is an
employee of any exchange, or of any corporation of which an exchange owns a majority of the capital stock, or a member of any exchange
or of any corporation, firm or individual engaged in the business of dealing, either as a broker or as principal, in securities, bills of
exchange, acceptances or other forms of commercial paper. You understand that you may be required, and agree if so requested by us, toprovide us with a letter of approval from the employer if either you or an immediate family member is so employed.

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You further represent that neither you nor any other person who has an ownership interest in or authority over this Account knowingly
owns, operates or is associated with a business that uses, at least in part, the Internet to receive or send information that could be used inplacing, receiving or otherwise knowingly transmitting a bet or wager.

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You agree that we are not liable for loss caused directly or indirectly by government restrictions, exchange or market rulings, suspension of
trading, interruptions of communications or data processing, war, terrorist acts, strikes, acts of God or other conditions beyond MSSB’s control.

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10. Arbitration

This Agreement contains a predispute arbitration clause. By signing an arbitration agreement the parties agree as follows:O

T• All parties to this Agreement are giving up the right to sue each other in court, including the right to a trial by jury, except asprovided by the rules of the arbitration forum in which a claim is filed.

N• Arbitration awards are generally final and binding; a party’s ability to have a court reverse or modify an arbitration award isvery limited.

-DO• The ability of the parties to obtain documents, witness statements and other discovery is generally more limited in arbitration thanin court proceedings.
• The arbitrators do not have to explain the reason(s) for their award unless, in an eligible case, a joint request for an explained decision
has been submitted by all parties to the panel at least 20 days prior to the first scheduled hearing date.

E• The panel of arbitrators may include a minority of arbitrators who were or are affiliated with the securities industry.

PL• The rules of some arbitration forums may impose time limits for bringing a claim in arbitration. In some cases, a claim that is
ineligible for arbitration may be brought in court.

M• The rules of the arbitration forum in which the claim is filed, and any amendments thereto, shall be incorporated into this Agreement.

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You agree that all claims or controversies, whether such claims or controversies arose prior, on or subsequent to the date hereof,
between you and MSSB and/or any of its present or former officers, directors, or employees concerning or arising from (i) any
account maintained by you with MSSB individually or jointly with others in any capacity; (ii) any transaction involving MSSB or any
predecessor or successor firms by merger, acquisition or other business combination and you, whether or not such transaction occurredin such account or accounts; or (iii) the construction, performance or breach of this or any other agreement between you and us, any
duty arising from the business of MSSB or otherwise, shall be determined by arbitration before, and only before, any self-regulatoryorganization or exchange of which MSSB is a member. You may elect which of these arbitration forums shall hear the matter by sendinga registered letter or other written communication addressed to Morgan Stanley Smith Barney at 485 Lexington Avenue, 11th Floor,
New York, NY 10017, Attn: Legal and Compliance Division. If you fail to make such election before the expiration of five (5) days after
receipt of a written request from MSSB to make such election, MSSB shall have the right to choose the forum.
No person shall bring a putative or certified class action to arbitration, nor seek to enforce any predispute arbitration agreement against
any person who has initiated in court a putative class action; or who is a member of a putative class who has not opted out of the classwith respect to any claims encompassed by the putative class action until: (i) the class certification is denied; (ii) the class is decertified;or (iii) the person is excluded from the class by the court.
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Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this Agreement except to theextent stated herein.
The statute of limitations applicable to any claim, whether brought in arbitration or in a court of competent jurisdiction, shall bethat which would be applied by the courts in the state in which you reside or if you do not reside in the United States, the statute oflimitations shall be that which would be applied by the courts in the state where the MSSB office servicing your account is located.

11. Accuracy of Account Information/Updates to Account Information

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You agree to provide MSSB with your personal and financial information (including information about your other investments andfinancial holdings), as well as your investment experience, investment time horizon, liquidity needs, investment objectives and risk
tolerance. You agree to promptly notify MSSB of any material changes to those categories of information. You acknowledge andunderstand that MSSB will rely on the accuracy of the information you provide. You also acknowledge and understand that MSSB will
rely on your agreement to promptly notify it of any material changes to the information you have provided.

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You agree to provide full and complete copies to us prior to opening your Account of any court order or other document that definesor restricts the asset allocation or types of investments that can be made in the Account. You agree to defend, indemnify and hold us
harmless from any threatened or actual claim made by a third party alleging that activity in the Account was inconsistent or in violation ofa court order or other pre-existing written restriction on the Account.

Part III. Additional Participant Representations and SignatureT

By signing below, you acknowledge and agree to the terms of this Agreement, and you represent that:

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1.	You have received and reviewed all pertinent Account documentation and agreements. In particular, you acknowledge that the Bank
Deposit Program Disclosure Statement is available at www.morganstanley.com/accountoptions/activeassets/investmentfeatures. You
acknowledge that, through the execution of this Agreement, you have directed the investment of any uninvested amounts (in whole
dollar amounts) held in the Account in bank deposits offered by certain affiliated banks through Morgan Stanley Smith Barney’s Bank
Deposit Program as described in the BDP Disclosure Statement. You acknowledge that Morgan Stanley Smith Barney and its affiliates
may receive financial and other benefits with respect to investments in such deposit accounts, including the Bank Deposit Program, as
disclosed in the applicable disclosure statements relating thereto.

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2.	The investment of the Account’s assets in registered investment companies, common or collective trusts, pooled separate accounts or
any other entities qualifying as “look-through investment vehicles” under U.S. Department of Labor Regulations section 2550.404c1(e)(1), for which an affiliate of Morgan Stanley Smith Barney serves as investment advisor, investment manager, distributor
or otherwise sponsors or provides services (“Affiliated Funds”) is specifically authorized. You acknowledge that Morgan Stanley
Smith Barney and/or its affiliates may receive compensation from Affiliated Funds, including compensation for transfer agency
and dividend agency services, and that such entities may also receive compensation from mutual funds (both affiliated andnonaffiliated funds) in which plan assets are invested for certain services rendered to such investment funds. You also acknowledge
that Morgan Stanley Smith Barney and/or its affiliates may receive “revenue-sharing payments” as described in the Morgan Stanley
Smith Barney Mutual Fund Share Classes and Compensation, or other disclosure document (and that copies of the same have either
been provided or made available upon request).
3.	You affirm that you have the authority to open this Account. You understand and agree that this Account is governed by this Agreement
and/or other agreements you may have with Morgan Stanley Smith Barney or other providers of services related to the Account. You
agree that if you decline to participate in any of Morgan Stanley Smith Barney’s services today, but elect to do so in the future, you agree
to be bound by the applicable terms in this Agreement and any other agreements relating to such service at that time.

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4.	You confirm that the information provided in this Agreement is correct and that you will promptly advise Morgan Stanley
Smith Barney of any changes to your financial status, investment objectives, name, address, or any other material information
provided by you to Morgan Stanley Smith Barney. You acknowledge and understand that Morgan Stanley Smith Barney will rely on
the accuracy of the information you provide and that Morgan Stanley Smith Barney will rely on your agreement to promptly notify itof any material changes to the information you provide.

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5.	You represent that neither you nor any other person who has an ownership interest in, or authority over, the Account is or has been a
Politically Exposed Person, also known as a senior foreign political figure, or an immediate family member or close associate of a seniorforeign political figure within the meaning of the U.S. Department of the Treasury’s Guidance on Enhanced Scrutiny for Transactions
That May Involve the Proceeds of Foreign Official Corruption and as referenced in the USA PATRIOT Act.6 If you, any other ownerof, or authorized person on the Account is or has been such a figure, you agree to disclose that fact to Morgan Stanley Smith Barney
and provide the necessary information required by law to open and/or to service your Account. You also represent that this Accountwill not be used for any transactions with, or for the benefit of, any person, entity or country subject to sanctions administered by the
U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”).
6.	If you transmit an executed copy of this Agreement or other required documentation either by facsimile or via portable document
format (“PDF”), you agree that such electronic version will be binding on all parties.

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7. Additional certification for clients who are not U.S. Persons:7

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	You certify that you do not qualify as a U.S. Person under applicable U.S. securities laws. You understand that certain investments
may have other or additional restrictions and that you will be responsible for any violations of such restrictions. You affirm, as
applicable, that any photocopies are true and accurate copies of your current and valid passport or national identity card. You agree tonotify Morgan Stanley Smith Barney immediately in the event you become a U.S. Person.

9. Furthermore, you certify and agree that:(A) We have agreed to provide our customary brokerage, execution, settlement and other securities transaction-related services
to your Account. However, with respect to SDRA investments, please note that the following investments are not permitted:
annuities, collectibles, commodities, currencies, futures, life insurance policies, limited partnerships, margin borrowing,
previous metals, private placements, promissory notes, real estate (except REITs), short sales, receive or deliver versus payment
trades and employer stock.

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8.	You represent that neither you nor any person who has an ownership interest in or authority over this Account knowingly owns,
operates or is associated with a business that uses, at least in part, the Internet to receive or send information that could be used inplacing, receiving or otherwise knowingly transmitting a bet or wager.

SA		If you are entitled to a distribution or withdrawal from your VIP or RPM Plan, and your Plan’s Trustee directs us accordingly,
you will still be required to sign a Morgan Stanley Smith Barney distribution/withdrawal request form in order to receive the
distribution or withdrawal (and that, for certain accounts, this may require you to fill out an IRS Form W-4P). If you areentitled to a distribution or withdrawal from the SDRA, you must initiate your request through ING.
		(B) We may retain, as compensation for our provision of services, the Account’s proportionate share of any interest
earned on aggregate cash balances held by Morgan Stanley Smith Barney or an affiliate with respect to assets awaiting
investment or other processing, as described in more detail in Part II, Section 6, above.

		(C) Morgan Stanley Smith Barney, its affiliates and Morgan Stanley Smith Barney Financial Advisors will not act as fiduciaries
with respect to your Account under ERISA, section 4975 of the Code, or other applicable law. We have informed you, and6

For the purposes of this paragraph, a “Politically Exposed Person” is a senior official in the executive, legislative, administrative, military or judicial branch of a foreign government (whether elected
or not) or a major foreign political party, a senior executive of a foreign government-owned corporation or a corporation, business or other entity formed by, or for the benefit of, such a figure;“immediate family” includes, but is not limited to, parents, siblings, children and in-laws; “close associate” means a person who is widely and publicly known to maintain an unusually close
relationship with a senior foreign political figure, including a person in a position to conduct substantial domestic and international financial transactions on behalf of such figure. For a fuller
discussion of the preceding terms and definitions, see http://www.federalreserve.gov/boarddocs/srletters/2001/sr0103.htm.

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In this regard, a “U.S. Person” means any U.S. Person as defined in Regulation S under the U.S. Securities Act of 1933, as amended.

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you agree, that you shall be responsible for all investment decisions that you make with respect to investments for yourAccount. Morgan Stanley Smith Barney Financial Advisors may provide information, including but not limited to research
reports and recommendations, about investments which may be suitable for your Account. It is understood and agreed thatthese services are not offered, nor are they accepted by you, as a primary basis for your investment decisions. (This provision
will not, of course, apply to any Account for which Morgan Stanley Smith Barney or any affiliate has agreed in a separate
written contract to serve as a discretionary investment manager or has expressly provided that it will act in some otherfiduciary capacity for your Account, or as otherwise required by applicable law.)(D) Morgan Stanley Smith Barney, its affiliates and Morgan Stanley Smith Barney Financial Advisors do not provide tax or legal
advice. You are urged to consult with your personal tax and legal advisors regarding the effects of current tax laws on yourAccount as well as the tax consequences before making any decisions, investment or otherwise.

		(E) We are under no duty to take any action other than as specified in the Plan’s VIP Account Application and Agreement ,RPM Account Application or SDRA Account Application and Agreement, as applicable, or this Agreement unless you,the Plan Sponsor, the Plan’s Trustees or other Authorized Individuals furnish us with acceptable written instructions.
Furthermore, you hereby agree to indemnify Morgan Stanley Smith Barney, its affiliates and their employees and hold eachof them harmless from any and all claims, liabilities, and expenses which may arise from accepting instructions (including
instructions related to investments, withdrawals, distributions and transfers) from you, or which may arise from continued
reliance on the information set forth in this Agreement, except as modified in a form acceptable to Morgan Stanley
Smith Barney.

		(F) Subject to our policies, if we receive conflicting instructions from you, the Plan Sponsor, the Plan’s Trustees, other Authorized
Individuals or ING, or reasonably believe instructions from one party might conflict with the wishes of another, we may do
any of the following: (a) choose which instructions to follow and which to disregard; (b) suspend all activity in the Accountuntil written instructions signed by all required parties are received; (c) close the Account and deliver all securities and otherproperty, net of debits or liabilities, to the address of record; and/or (d) take other legal action.

		(G) You understand that for withdrawals from VIP and RPM accounts, the Trustee(s) must provide Morgan Stanley Smith Barneywith written direction signed by the Trustee(s), as further described elsewhere in this Agreement. For withdrawals from the
SDRA, ING must provide direction in a form acceptable to Morgan Stanley Smith Barney. In addition, we may liquidate
assets held in the Account to make distributions or transfers or pay fees, expenses, liabilities, charges or taxes assessed against
the Account (including Plan expenses allocated to the Account). The Plan Sponsor/Employer may also authorize certain plan
expenses, such as annual account maintenance fees and, under the VIP product, the annual plan document fee, to be allocatedacross eligible subaccounts (including your Account). These fees are in addition to normal brokerage commissions, fees andother transaction-related expenses. If we must liquidate assets, the Plan Sponsor and /or Trustee have directed us to liquidate
assets in the following order to the extent held in the Account:

			

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(3) Publicly traded securities in such order as we deem reasonable.

			(4) Other investments in such order as we deem reasonable.

			(5) Limited Partnership interests.

			(1) Amounts that may be held in the Bank Deposit Program sweep vehicle or any other sweep vehicle.
(2) Shares held in a money market mutual fund acquired through direct purchase.

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Save Draft

		

Clear Form(H) You understand that Morgan Stanley Smith Barney, in addition to brokerage accounts, offers various advisory programs
that may be available for your Account. Such advisory programs, which have different features, investment alternatives andstructures, may only be available to you upon the written consent of a Plan fiduciary through a separate advisory agreement.
You further acknowledge that you are responsible for determining whether or not the use of any particular advisory programfor your Account is appropriate. Remember that you must complete this Agreement if you are enrolling in a Morgan Stanley
Smith Barney advisory program at the same time. However, in the event of any conflict in the terms of this Agreement andthe advisory agreement, the terms of the advisory agreement will control so long as the advisory agreement is in effect.

N By checking this box, you confirm that you are requesting Electronic Delivery and agree to be bound by the terms thereof as
further described above in Part II, Section 2.

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E-MAIL ADDRESS FOR ELECTRONIC DELIVERY

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You understand that your Accounts at Morgan Stanley Smith Barney are governed by a predispute arbitration clause (see page 11, Part II,
Section 10 of this Agreement), and you agree in advance to arbitrate any controversies that may arise in connection with these Accounts
with Morgan Stanley Smith Barney and its employees. You acknowledge that you have received a copy of this Agreement, including thepredispute arbitration clause.

DATE (MM/DD/YYYY)

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PARTICIPANT SIGNATURE	

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

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