Agreements & Disclosures/Advisor Client Agreement
Discretionary Trading Authorization/Power of Attorney for Financial Advisor
Request To Send Trade Confirmations and Account Statements to Advisor
This form may be used to designate an Advisor to manage your Interactive Brokers account. The designatedAdvisor will be able to execute trades, appoint sub-advisors, deposit and withdraw money to and from youraccount (all withdrawals must be in your name), request information, receive account statements andconfirmations, change certain of your customer information, and generally manage your Interactive Brokers
account as specified below. In order to use this form, your Advisor must be an approved participant inInteractive Brokers' Advisor Program. For more information on the Advisor Program, go to
www.interactivebrokers.com.

Client Information:
Account:
Name of Account Holder:
Financial Advisor Information:
Name of Advisor:
Name of Advisor Firm (if any):

Terms and Conditions:
1. General:
The terms and conditions of this Authorization are in addition to the provisions of all otheragreements between Interactive Brokers and Customer or Advisor. The agreements applicable to
Customer's account(s) will govern all orders and transactions, and Advisor is bound by all terms of
those agreements.
•

Request to Deduct Advisory Fees if Applicable:
Customer requests and authorizes IB to deduct from Customer's IB account Advisory Fees (and subadvisor fees, if advisor has appointed one or more sub-advisors) and to disburse those Fees directly to
the Advisor (or sub-advisor(s)), based on the fee arrangement(s) that Customer has agreed upon andspecified to IB. If the Advisor bills Customer directly for Fees, or if Advisor does not charge
Customer a fee for Advisory services, Customer will specify that to IB and IB will not deduct Fees.

2. Request to Send Confirmations and Statements to Advisor:
Customer requests that IB send all trade confirmations and account statements directly to Advisor andnot to Customer directly. If Customer changes this instruction and decides that confirmations andaccount statements should be sent directly to Customer, Customer agrees to contact IB Customer
Service at help@interactivebrokers.com or by calling the toll free Customer Service number listed on

IB's website at www.interactivebrokers.com or www.interactivebrokers.co.uk or
www.interactivebrokers.ca. Upon Customer's request, IB will provide Customer with a username andpassword so that Customer may view account statements online at the IB website.
3. Advisor's Authority:a. This agreement authorizes Interactive Brokers to accept the instructions of the Advisor on
behalf of the Customer. This authorization will be applicable to all assets Customer holds in
all Interactive Brokers accounts for which Advisor has been designated. Customer hereby
authorizes Advisor to inquire in, trade, buy, sell (including short sales), exchange, convert,
tender, trade, or otherwise acquire or dispose of stocks, bonds, options securities, futures,
security futures, foreign exchange and any other investments, on margin or otherwise, for andat the risk of the Customer. Customer understands that a commission will be charged to theaccount each time a trade is effected.
b. Customer authorizes Advisor to engage one or more sub-advisors to manage the investment ofsome or all of the assets Customer holds at Interactive Brokers, and authorizes Advisor toallocate assets among such sub-advisors. Customer authorizes such sub-advisors to exercise
the same trading and investment discretion in Customer’s account as exercised by Advisor,
and authorizes such sub-advisors to receive all information regarding Customer’s account(s).
Customer authorizes Interactive Brokers to accept the instructions of sub-advisors designatedby Advisor and to accept the instructions of employees, agents or representatives of Advisor or
sub-advisors.
c. The Advisor is also permitted to arrange for the deposit of funds and assets to the Customer's
account(s) and to redeem or withdraw funds or assets from the Customer's account (including
the delivery of securities from the account), for the benefit of the Customer, regardless of thetax consequences. The Advisor may initiate transfers (including inter-broker transfers),
rollovers, Roth IRA conversions, IRA re-characterizations or other transfers of assets between
and among Customer accounts. Customer authorizes Interactive Brokers, acting on Advisor's
instructions, to aggregate transaction orders for Customer's account(s) with orders for one ormore other accounts over which Advisor has trading authority. The Advisor is authorized toreceive all information regarding the account(s) and to receive account statements,
confirmations and tax information. The Advisor is authorized to add, delete or change
Customer or account information.
d. Interactive Brokers is authorized, but not required to, conduct further inquiry or seek
authorization from the Customer or further clarification from Advisor or Customer regarding
any instruction from Advisor for Customer's account(s). Interactive Brokers reserves the right,
in it sole discretion, to refuse to honor particular instructions from Advisor, or to no longer
honor instructions from Advisor. Customer and Advisor acknowledge that all information
provided by either of them on this form, or otherwise provided to Interactive Brokers in theapplication process, is subject to verification, and Customer and Advisor authorize Interactive
Brokers to verify all information through the use of credit agencies or any other customary or
reasonable means. Advisor will provide promptly any information reasonably requested byInteractive Brokers concerning the management of the account(s) or compliance with thisAuthorization. This provision shall not be read to imply that Interactive Brokers has any duty
to supervise or monitor Advisor's management of customer's account(s) or compliance withapplicable law.
4. Not a Substitute for Advisory Agreement:
Customer and Advisor acknowledge that this Authorization merely authorizes Advisor to conductcertain activities with respect to Customer's account and is not a substitute for an Advisory agreement

and is not designed to satisfy any regulatory obligations applicable to Advisor to enter suchagreement.
5. Role of Interactive Brokers - Disclaimer and Waiver of Liability:
ADVISOR WAS SELECTED SOLELY BY CUSTOMER AND HAS NOT BEEN
RECOMMENDED OR ENDORSED BY IB. ADVISOR IS NOT EMPLOYED BY OR
REGISTERED OR ASSOCIATED WITH IB. IB WILL NOT INVESTIGATE OR JUDGETHE COMPETENCE OR INTEGRITY OF THE ADVISOR OR MONITOR THE ACTIONS
OF THE ADVISOR OR OF ANY SUB-ADVISORS. IB WILL NOT REVIEW THE
ADVISOR'S RECOMMENDATIONS OR JUDGE THE SUITABILITY OF ANY TRADINGOR INVESTMENT RECOMMENDATION OR DECISION OF ADVISOR OR SUBADVISOR OR CUSTOMER. IB DOES NOT PROVIDE ADVISORY SERVICES TO IB
CUSTOMERS AND WILL NOT PROVIDE INVESTMENT OR TRADING OR TAXADVICE REGARDING THE ACCOUNT.
6. Advisor's Compliance with State, Federal or Non-U.S. Law:
Advisor and any sub-advisors appointed by advisor will comply with all applicable state and federal
securities laws and regulations, including the Investment Advisors act of 1940, the Commodity
Exchange Act and comparable state laws, and will comply with any applicable laws of Non-U.S.
jurisdictions (hereinafter "applicable Laws and Regulations"). Interactive Brokers assumes noresponsibility for determining if Advisor is complying with applicable Laws and Regulations
regarding its provision of advisory services. CUSTOMER ACKNOWLEDGES THAT IB IS NOTRESPONSIBLE FOR DETERMINING WHETHER ADVISOR IS REQUIRED TO BE
REGISTERED OR LICENSED OR WHETHER ADVISOR IS EXEMPT FROM REGISTRATION
OR LICENSING. THIS IS SOLELY THE RESPONSIBILITY OF ADVISOR. IF CUSTOMER HAS
QUESTIONS ABOUT THIS, CUSTOMER MUST CONTACT ADVISOR FOR FURTHERINFORMATION.
7. Termination:
Customer and/or Advisor agree(s) to notify Interactive Brokers immediately, in writing, if Customer
or Advisor terminates, modifies or revokes this Authorization. Advisor agrees to notify Interactive
Brokers immediately, in writing, if Customer dies or becomes incapacitated such that thisAuthorization would be rendered void. This Authorization shall remain in effect until Interactive
Brokers receives written notice of its termination and has had sufficient time to process such noticeand terminate Advisor's authority.
8. Indemnification of Interactive Brokers by Customer:
Customer agrees to indemnify and hold Interactive Brokers, and its affiliates, and its and theirsuccessors and assigns, and its and their directors, officers, employees and Advisors harmless fromand against all claims, actions, costs and liabilities, including attorney's fees, arising out of or relating
to their reliance on this Authorization or their execution of any of Advisor's instructions. Customer
agrees that since Interactive Brokers will not supervise or monitor Advisor's trading decisions or otheractivities, Customer will not attempt to hold Interactive Brokers liable for any trade or decision or
action of Advisor. Interactive Brokers' rights under this paragraph are in addition to any other rights it
has under other agreements with Customer and/or Advisor.
9. Indemnification of Interactive Brokers by Advisor:
Advisor agrees to indemnify and hold Interactive Brokers, and its affiliates, and its and theirsuccessors and assigns, and its and their directors, officers, employees and Advisors harmless fromand against all claims, actions, costs and liabilities, including attorney's fees, arising out of or relating
to any breach by Advisor of any provision of this Agreement or other Agreements with Interactive
Brokers and/or Customer; the performance or non-performance of the Advisor's services; any trade or
action of Advisor or of any sub-advisor in Customer's account(s); and any dispute involving Advisorand/or any sub-advisor and/or Customer. Interactive Brokers' rights under this paragraph are in
addition to any other rights it has under other agreements with Customer and/or Advisor.
10.Customer's Representations and Acknowledgments:
a. Customer has granted to Advisor the full discretion to direct the trading in the account(s) on
Customer's behalf and Customer will not have access to IB's electronic systems for placing
orders for the account. Only the Advisor, any sub-advisors, and their employees, agents andrepresentatives will have access to IB's electronic systems to conduct trading in the account.
b. If Customer terminates the relationship with Advisor or for any other reason wishes toterminate Advisor's access to the account(s), or if Customer wishes to direct the trading in
Customer's account, or if Customer wishes to use advisory services of another Advisor,
Customer will contact IB immediately by email to help@interactivebrokers.com or by calling
the toll free Customer Service number listed on IB's website at www.interactivebrokers.com or
www.interactivebrokers.co.uk or www.interactivebrokers.ca.
c. Because Customer has instructed IB to send all confirmations and account statements directlyto Advisor, Customer will rely on Advisor for information regarding Customer's account. If
Customer has any questions or concerns regarding the account, Customer will contact IB
Customer Service at help@interactivebrokers.com or by calling the toll free Customer Service
number listed on IB's website at www.interactivebrokers.com or
www.interactivebrokers.co.uk or www.interactivebrokers.ca.
d. Depending on the equity in Customer's account, deduction of Advisory Fees in an IB marginaccount may cause the account to incur margin interest. Furthermore, if deduction of Advisory
Fees would cause the account to have insufficient equity to cover margin requirements or tosatisfy any other obligation to IB, IB may, at its sole discretion: (1) deduct the Fees andexercise any of its rights and remedies under the IB Customer Agreement, including
liquidating positions in the account without prior notice in order to satisfy margin
requirements or obligations; and/or (2) decline to deduct the Fees, in which case Customer will
be liable to pay such Fees to Advisor directly.
e. All claims, questions or disputes regarding IB's provision of brokerage services or regarding
IB's execution of particular trades must be referred to IB. Advisor has no authority to resolve
such claims or disputes on IB's behalf.
f. ALL CLAIMS OR DISPUTES REGARDING ADVISOR'S OR ANY SUB-ADVISOR’SSERVICES OR ACTIONS (INCLUDING SPECIFIC CONDUCT, ADVICE,
RECOMMENDATIONS, OR TRADES PLACED BY ADVISOR OR FEES OWED)ARE SOLELY BETWEEN CUSTOMER AND ADVISOR. IB IS NOT LIABLE FOR
ANY SUCH CLAIMS AND DISPUTES AND CUSTOMER UNDERSTANDS AND
FULLY ACKNOWLEDGES THAT CUSTOMER CANNOT BRING A CLAIM
AGAINST IB OR RECEIVE DAMAGES OR COMPENSATION OF ANY KINDFROM IB, INCLUDING CLAIMS FOR DIRECT, INDIRECT, COMPENSATORY,INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL
DAMAGES. ALL CLAIMS OR DISPUTES REGARDING THE FEES OWED TOADVISOR ARE SOLELY BETWEEN CUSTOMER AND ADVISOR. IF CUSTOMERDISPUTES ADVISOR'S RECEIPT OF ANY FEES THAT IB HAS DEDUCTED FROM
THE ACCOUNT AND SENT TO ADVISOR, CUSTOMER UNDERSTANDS THATCUSTOMER'S SOLE REMEDY IS AGAINST ADVISOR AND CUSTOMER AGREESNOT TO BRING ANY CLAIM AGAINST IB.

11.Arbitration:
The agreements between Customer and Interactive Brokers (which are also binding on
Advisor) contain arbitration clauses requiring all parties to arbitrate any disputes. Sucharbitration clauses are incorporated herein by reference. Customer and Advisor acknowledge
that all disputes regarding this Authorization Agreement, Customer's account(s) or IB's
provision of services to Customer or Advisor are subject to arbitration.
Client Information:
Account:
Name of Account Holder:
Financial Advisor Information:
Name of Advisor:
Name of Advisor Firm (if any):

Terms and Conditions:
1. General:
The terms and conditions of this Authorization are in addition to the provisions of all otheragreements between Interactive Brokers and Customer or Advisor. The agreements applicable to
Customer's account(s) will govern all orders and transactions, and Advisor is bound by all terms of
those agreements.
2. Request to Deduct Advisory Fees if Applicable:
Customer requests and authorizes IB to deduct from Customer's IB account Advisory Fees (and subadvisor fees, if advisor has appointed one or more sub-advisors) and to disburse those Fees directly to
the Advisor (or sub-advisor(s)), based on the fee arrangement(s) that Customer has agreed upon andspecified to IB. If the Advisor bills Customer directly for Fees, or if Advisor does not charge
Customer a fee for Advisory services, Customer will specify that to IB and IB will not deduct Fees.
3. Request to Send Confirmations and Statements to Advisor:
Customer requests that IB send all trade confirmations and account statements directly to Advisor andnot to Customer directly. If Customer changes this instruction and decides that confirmations andaccount statements should be sent directly to Customer, Customer agrees to contact IB Customer
Service at help@interactivebrokers.com or by calling the toll free Customer Service number listed on
IB's website at www.interactivebrokers.com or www.interactivebrokers.co.uk or
www.interactivebrokers.ca. Upon Customer's request, IB will provide Customer with a username andpassword so that Customer may view account statements online at the IB website.
4. Advisor's Authority:a. This agreement authorizes Interactive Brokers to accept the instructions of the Advisor on
behalf of the Customer. This authorization will be applicable to all assets Customer holds in
all Interactive Brokers accounts for which Advisor has been designated. Customer hereby
authorizes Advisor to inquire in, trade, buy, sell (including short sales), exchange, convert,

tender, trade, or otherwise acquire or dispose of stocks, bonds, options securities, futures,
security futures, foreign exchange and any other investments, on margin or otherwise, for andat the risk of the Customer. Customer understands that a commission will be charged to theaccount each time a trade is effected.
b. Customer authorizes Advisor to engage one or more sub-advisors to manage the investment ofsome or all of the assets Customer holds at Interactive Brokers, and authorizes Advisor toallocate assets among such sub-advisors. Customer authorizes such sub-advisors to exercise
the same trading and investment discretion in Customer’s account as exercised by Advisor,
and authorizes such sub-advisors to receive all information regarding Customer’s account(s).
Customer authorizes Interactive Brokers to accept the instructions of sub-advisors designatedby Advisor and to accept the instructions of employees, agents or representatives of Advisor or
sub-advisors.
c. The Advisor is also permitted to arrange for the deposit of funds and assets to the Customer's
account(s) and to redeem or withdraw funds or assets from the Customer's account (including
the delivery of securities from the account), for the benefit of the Customer, regardless of thetax consequences. The Advisor may initiate transfers (including inter-broker transfers),
rollovers, Roth IRA conversions, IRA re-characterizations or other transfers of assets between
and among Customer accounts. Customer authorizes Interactive Brokers, acting on Advisor's
instructions, to aggregate transaction orders for Customer's account(s) with orders for one ormore other accounts over which Advisor has trading authority. The Advisor is authorized toreceive all information regarding the account(s) and to receive account statements,
confirmations and tax information. The Advisor is authorized to add, delete or change
Customer or account information.
d. Interactive Brokers is authorized, but not required to, conduct further inquiry or seek
authorization from the Customer or further clarification from Advisor or Customer regarding
any instruction from Advisor for Customer's account(s). Interactive Brokers reserves the right,
in it sole discretion, to refuse to honor particular instructions from Advisor, or to no longer
honor instructions from Advisor. Customer and Advisor acknowledge that all information
provided by either of them on this form, or otherwise provided to Interactive Brokers in theapplication process, is subject to verification, and Customer and Advisor authorize Interactive
Brokers to verify all information through the use of credit agencies or any other customary or
reasonable means. Advisor will provide promptly any information reasonably requested byInteractive Brokers concerning the management of the account(s) or compliance with thisAuthorization. This provision shall not be read to imply that Interactive Brokers has any duty
to supervise or monitor Advisor's management of customer's account(s) or compliance withapplicable law.
5. Not a Substitute for Advisory Agreement:
Customer and Advisor acknowledge that this Authorization merely authorizes Advisor to conductcertain activities with respect to Customer's account and is not a substitute for an Advisory agreement
and is not designed to satisfy any regulatory obligations applicable to Advisor to enter suchagreement.
6. Role of Interactive Brokers - Disclaimer and Waiver of Liability:
ADVISOR WAS SELECTED SOLELY BY CUSTOMER AND HAS NOT BEEN
RECOMMENDED OR ENDORSED BY IB. ADVISOR IS NOT EMPLOYED BY OR
REGISTERED OR ASSOCIATED WITH IB. IB WILL NOT INVESTIGATE OR JUDGETHE COMPETENCE OR INTEGRITY OF THE ADVISOR OR MONITOR THE ACTIONS
OF THE ADVISOR OR OF ANY SUB-ADVISORS. IB WILL NOT REVIEW THE
ADVISOR'S RECOMMENDATIONS OR JUDGE THE SUITABILITY OF ANY TRADINGOR INVESTMENT RECOMMENDATION OR DECISION OF ADVISOR OR SUBADVISOR OR CUSTOMER. IB DOES NOT PROVIDE ADVISORY SERVICES TO IB
CUSTOMERS AND WILL NOT PROVIDE INVESTMENT OR TRADING OR TAXADVICE REGARDING THE ACCOUNT.
7. Advisor's Compliance with State, Federal or Non-U.S. Law:
Advisor and any sub-advisors appointed by advisor will comply with all applicable state and federal
securities laws and regulations, including the Investment Advisors act of 1940, the Commodity
Exchange Act and comparable state laws, and will comply with any applicable laws of Non-U.S.
jurisdictions (hereinafter "applicable Laws and Regulations"). Interactive Brokers assumes noresponsibility for determining if Advisor is complying with applicable Laws and Regulations
regarding its provision of advisory services. CUSTOMER ACKNOWLEDGES THAT IB IS NOTRESPONSIBLE FOR DETERMINING WHETHER ADVISOR IS REQUIRED TO BE
REGISTERED OR LICENSED OR WHETHER ADVISOR IS EXEMPT FROM REGISTRATION
OR LICENSING. THIS IS SOLELY THE RESPONSIBILITY OF ADVISOR. IF CUSTOMER HAS
QUESTIONS ABOUT THIS, CUSTOMER MUST CONTACT ADVISOR FOR FURTHERINFORMATION.
8. Termination:
Customer and/or Advisor agree(s) to notify Interactive Brokers immediately, in writing, if Customer
or Advisor terminates, modifies or revokes this Authorization. Advisor agrees to notify Interactive
Brokers immediately, in writing, if Customer dies or becomes incapacitated such that thisAuthorization would be rendered void. This Authorization shall remain in effect until Interactive
Brokers receives written notice of its termination and has had sufficient time to process such noticeand terminate Advisor's authority.
9. Indemnification of Interactive Brokers by Customer:
Customer agrees to indemnify and hold Interactive Brokers, and its affiliates, and its and theirsuccessors and assigns, and its and their directors, officers, employees and Advisors harmless fromand against all claims, actions, costs and liabilities, including attorney's fees, arising out of or relating
to their reliance on this Authorization or their execution of any of Advisor's instructions. Customer
agrees that since Interactive Brokers will not supervise or monitor Advisor's trading decisions or otheractivities, Customer will not attempt to hold Interactive Brokers liable for any trade or decision or
action of Advisor. Interactive Brokers' rights under this paragraph are in addition to any other rights it
has under other agreements with Customer and/or Advisor.
10.Indemnification of Interactive Brokers by Advisor:
Advisor agrees to indemnify and hold Interactive Brokers, and its affiliates, and its and theirsuccessors and assigns, and its and their directors, officers, employees and Advisors harmless fromand against all claims, actions, costs and liabilities, including attorney's fees, arising out of or relating
to any breach by Advisor of any provision of this Agreement or other Agreements with Interactive
Brokers and/or Customer; the performance or non-performance of the Advisor's services; any trade or
action of Advisor or of any sub-advisor in Customer's account(s); and any dispute involving Advisor
and/or any sub-advisor and/or Customer. Interactive Brokers' rights under this paragraph are in
addition to any other rights it has under other agreements with Customer and/or Advisor.
11.Customer's Representations and Acknowledgments:
a. Customer has granted to Advisor the full discretion to direct the trading in the account(s) on
Customer's behalf and Customer will not have access to IB's electronic systems for placing
orders for the account. Only the Advisor, any sub-advisors, and their employees, agents andrepresentatives will have access to IB's electronic systems to conduct trading in the account.

b. If Customer terminates the relationship with Advisor or for any other reason wishes toterminate Advisor's access to the account(s), or if Customer wishes to direct the trading in
Customer's account, or if Customer wishes to use advisory services of another Advisor,
Customer will contact IB immediately by email to help@interactivebrokers.com or by calling
the toll free Customer Service number listed on IB's website at www.interactivebrokers.com or
www.interactivebrokers.co.uk or www.interactivebrokers.ca.
c. Because Customer has instructed IB to send all confirmations and account statements directlyto Advisor, Customer will rely on Advisor for information regarding Customer's account. If
Customer has any questions or concerns regarding the account, Customer will contact IB
Customer Service at help@interactivebrokers.com or by calling the toll free Customer Service
number listed on IB's website at www.interactivebrokers.com or
www.interactivebrokers.co.uk or www.interactivebrokers.ca.
d. Depending on the equity in Customer's account, deduction of Advisory Fees in an IB marginaccount may cause the account to incur margin interest. Furthermore, if deduction of Advisory
Fees would cause the account to have insufficient equity to cover margin requirements or tosatisfy any other obligation to IB, IB may, at its sole discretion: (1) deduct the Fees andexercise any of its rights and remedies under the IB Customer Agreement, including
liquidating positions in the account without prior notice in order to satisfy margin
requirements or obligations; and/or (2) decline to deduct the Fees, in which case Customer will
be liable to pay such Fees to Advisor directly.
e. All claims, questions or disputes regarding IB's provision of brokerage services or regarding
IB's execution of particular trades must be referred to IB. Advisor has no authority to resolve
such claims or disputes on IB's behalf.
f. ALL CLAIMS OR DISPUTES REGARDING ADVISOR'S OR ANY SUB-ADVISOR’SSERVICES OR ACTIONS (INCLUDING SPECIFIC CONDUCT, ADVICE,
RECOMMENDATIONS, OR TRADES PLACED BY ADVISOR OR FEES OWED)ARE SOLELY BETWEEN CUSTOMER AND ADVISOR. IB IS NOT LIABLE FOR
ANY SUCH CLAIMS AND DISPUTES AND CUSTOMER UNDERSTANDS AND
FULLY ACKNOWLEDGES THAT CUSTOMER CANNOT BRING A CLAIM
AGAINST IB OR RECEIVE DAMAGES OR COMPENSATION OF ANY KINDFROM IB, INCLUDING CLAIMS FOR DIRECT, INDIRECT, COMPENSATORY,INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL
DAMAGES. ALL CLAIMS OR DISPUTES REGARDING THE FEES OWED TOADVISOR ARE SOLELY BETWEEN CUSTOMER AND ADVISOR. IF CUSTOMERDISPUTES ADVISOR'S RECEIPT OF ANY FEES THAT IB HAS DEDUCTED FROM
THE ACCOUNT AND SENT TO ADVISOR, CUSTOMER UNDERSTANDS THATCUSTOMER'S SOLE REMEDY IS AGAINST ADVISOR AND CUSTOMER AGREESNOT TO BRING ANY CLAIM AGAINST IB.
12.Arbitration:
The agreements between Customer and Interactive Brokers (which are also binding on
Advisor) contain arbitration clauses requiring all parties to arbitrate any disputes. Sucharbitration clauses are incorporated herein by reference. Customer and Advisor acknowledge
that all disputes regarding this Authorization Agreement, Customer's account(s) or IB's
provision of services to Customer or Advisor are subject to arbitration.