KBS International Holdings Inc.: Exhibit 10.5 - Filed by newsfilecorp.com






Exhibit 10.5

EXECUTION COPY 

ESCROW AGREEMENT 

THIS ESCROW AGREEMENT (the “Agreement”) is made
and entered into as of March 11, 2011, by and among Bay Peak 1 Opportunity
Corp., a Nevada corporation ( “Bay Peak”), David Steele (the
“Investor Representative”), and Deutsche Bank National Trust
Company, a national banking association (the “Escrow Agent”).
Capitalized terms not otherwise defined herein shall have the meaning ascribed
to them in the Make Good Side Letter (as defined below).

WHEREAS, Cheung So Wa and Chan Sun Kueng (each a “Company
Shareholder” and together the “Company Shareholders”), Bay
Peak and the investors listed on Schedule A thereto have entered into an
Investor Make Good Side Letter dated even date herewith (the “Make Good
Side Letter”) to which the Escrow Agent is not a party. 

WHEREAS, pursuant to the Make Good Side Letter, on behalf of
the Company Shareholders Bay Peak has agreed to deposit 4,000,000 shares of Bay
Peak common stock issued to the Company Shareholders pursuant to the Share
Exchange Agreement, dated March 11, 2011, made by and among Bay Peak, Cory
Roberts, David Steele and Christopher E. Jensen, the Company Shareholders, and
Hongri International Holdings Limited, a British Virgin Islands company (the
“Share Exchange Agreement”) into an escrow account (the
“Escrow Account”) with the Escrow Agent in the proportions set
forth in Schedule A hereto to be held and distributed by the Escrow Agent
on the terms and conditions set forth herein. 

NOW, THEREFORE, in consideration of the mutual promises
contained herein and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto agree as
follows: 

ARTICLE I 
ESTABLISHMENT OF ESCROW 

1.1 On behalf of the Company Shareholders, Bay Peak
hereby deposits with the Escrow Agent, and the Escrow Agent hereby acknowledges
receipt of, an aggregate of 4,000,000 shares of Bay Peak common stock held in
the name of the Company Shareholders on the books and records of Bay Peak in the
respective amounts set forth on Schedule A hereto (the “Escrowed
Shares”), which shall serve as the Escrowed Shares for purposes of
Section 1(f) of the Make Good Side Letter and as the source of payment for the
2010 Make Good Shares and 2011 Make Good Shares (the “Make Good
Shares”), if any, as required by Section 1(a) and Section 1(b) of the
Make Good Side Letter. The Escrow Shares shall be held in the Escrow Account
until release in accordance with ARTICLE II.

1.2 During the term of this Agreement, the Escrow Agent
shall have the exclusive authority, as attorney-in-fact for the Company
Shareholders, to transfer the Escrowed Shares in accordance with the terms and
conditions of this Agreement. For so long as the Escrowed Shares are held by the
Escrow Agent, the Company Shareholders shall not be permitted to transfer, sell,
assign, pledge, convey in trust, give or otherwise dispose of any of the
Escrowed Shares, whether voluntarily or by operation of law, directly or
indirectly. Bay Peak shall be entitled to rely on this Section 1.2 and may take
any action necessary to carry out the terms of this Agreement, including halting
the transfer of any of the Escrowed Shares in violation of this Agreement. 

1.3 The Company Shareholders shall deliver to the Escrow
Agent two (2) Assignments Separate From Certificate in the form attached hereto
as Exhibit A (the “Assignment Certificates”), executed in
blank, which shall be sufficient to allow the Escrow Agent to give effect to a
transfer of the Escrowed Shares to the Financing Investors, or their designees,
in accordance with ARTICLE II. The Company Shareholders agree to deliver any
additional Assignment Certificates, or alternative forms of
transfer agreements, as reasonably requested by the Escrow Agent to effect the transactions contemplated hereby.









ARTICLE II


DISBURSEMENTS FROM THE ESCROW ACCOUNT 


2.1 Upon receipt of (a) joint written instructions from the Investor Representative and Bay Peak as to the disposition of the Escrowed Shares, (b) written evidence of Actual 2010 Net Income or Actual 2011 Net Income from the Company
Accountant (or the Independent Auditor, as the case may be) indicating Make Good Shares are due to the Financing Investors pursuant to Section 1(a) or Section 1(b) of the Make Good Side Letter, (c) an order of arbitrator pursuant to Section 7.3, or
(d) an order of a court having jurisdiction over the matter that is final and not subject to further court proceedings or appeal, the Escrow Agent shall distribute the Escrow Shares in accordance with such provisions, instructions, evidence, or
order.  The Escrow Agent shall be entitled to receive and may conclusively rely upon an opinion of counsel to the presenting party to the effect that an order delivered to it pursuant to clause (d) of the prior sentence is final and not subject to
further court proceedings or appeal and from a court having jurisdiction over the matter.


2.2 If Make Good Shares are due to Financing Investors pursuant to Section 1(a) or Section 1(b) of the Make Good Side Letter, the Investor Representative shall calculate the number of Make Good Shares to be distributed to such Financing
Investors in accordance with Section 1(a) or Section 1(b) of the Make Good Side Letter.  The Investor Representative shall deliver to the Escrow Agent appropriate instructions regarding the distribution of the Make Good Shares, and the Escrow Agent
shall be entitled to rely on those instructions and shall, by delivering the Assignment Certificates, direct Bay Peak to transfer such Make Good Shares to the appropriate Financing Investors as instructed by the Investor Representative. 


2.3 After (i) the Actual 2011 Net Income amount has been delivered to the Escrow Agent in accordance with the terms of Section 1 of the Make Good Letter, and (ii) all required disbursements from the Escrow Account have been made, any Escrowed
Shares remaining in the Escrow Account shall be distributed to the Company Shareholders in accordance with their respective pro-rata interests in the Escrow Account (which shall be proportionate the number of Escrowed Shares contributed by each
Company Shareholder as set forth on Schedule A).


ARTICLE III 

DUTIES OF ESCROW AGENT 


3.1 The Escrow Agent shall perform such duties and obligations as are set forth herein in accordance with the terms and provisions of this Agreement.


3.2 The Escrow Agent shall (i) safeguard and treat the Escrow Account as a trust fund in accordance with the provisions of this Agreement, and shall hold the Escrow Account separate and apart from any other accounts of any other person and
(ii) hold and dispose of the securities and other property held in the Escrowed Account only in accordance with the terms and provisions of this Agreement.


3.3 Any (i) shares of Bay Peak common stock or other equity securities issued or distributed by Bay Peak (including shares issued upon a stock split) in respect of the Escrowed Shares, (ii) any dividends or other distributions made on account
of the Escrowed Shares, and (iii) any interest or other income accrued on account of any such distributions on such Escrowed Shares, (collectively “Distributions”) shall be added to the Escrow Account and become a part
thereof. Any Distributions shall be considered part of the Escrowed Shares and the Escrow Agent shall distribute any such Distributions attributable to the Escrowed Shares in connection with the transfer or disbursement of any Escrowed Shares. 


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3.4 To the extent that there is cash in the Escrow Account, the Escrow Agent may invest any such cash in its discretion in (a) marketable obligations of, or fully and directly guaranteed by, the United States, which obligations have a
maturity of not more than 90 days; or (b) money market funds registered under the Investment Company Act of 1940, as amended from time to time (the “1940 Act”), the portfolios of which are limited to Government Securities
(as defined in the 1940 Act). 


3.5 The Escrow Agent shall not be responsible to By Peak or the Investor Representative or any other person or entity for any loss or liability arising in respect of any directed investment except to the extent that such loss or liability
arose from the Escrow Agent's gross negligence or willful misconduct. 


3.6 Each Company Shareholder shall have voting rights with respect to the Escrowed Shares unless and until such shares have been transferred to another party pursuant to this Agreement.


ARTICLE IV 

COMPENSATION; EXPENSES 


4.1 As compensation for its services to be rendered under this Agreement, the Escrow Agent shall receive a fee and shall be reimbursed upon request for all expenses, disbursements and advances incurred or made by it in connection with the
carrying out of its duties under this Agreement as set forth in Exhibit B hereto (the "Fee Schedule"). Bay Peak and the Investor Representative hereby agree to the terms set forth in the Fee Schedule and agree that each shall
pay half of the fees and expenses of the Escrow Agent. 


ARTICLE V

EXCULPATION AND INDEMNIFICATION 


5.1 The obligations and duties of the Escrow Agent are confined to those specifically set forth in this Agreement.


5.2 The Escrow Agent shall not be personally liable for any act that it may do or omit to do hereunder in good faith and in the exercise of its own best judgment. Any act done or omitted to be done by the Escrow Agent pursuant to the advice
of its attorneys shall be deemed conclusively to have been performed or omitted in good faith by the Escrow Agent. 


5.3 In the event the Escrow Agent is notified of any dispute, disagreement or legal action between Bay Peak and the Investor Representative and any third party relating to or arising in connection with the escrow, the Escrowed Shares, or the
performance of the Escrow Agent's duties under this Agreement, the Escrow Agent will not be required to determine the controversy or to take any action regarding it. The Escrow Agent may hold all documents and funds and may wait for settlement of
any such controversy by final appropriate legal proceedings or other means as, in the Escrow Agent's discretion, it may require.  In such event, the Escrow Agent will not be liable for interest or damage. Furthermore, the Escrow Agent may, at its
option, file an action of interpleader requiring the parties to answer and litigate any claims and rights among themselves.  The Escrow Agent is authorized, at its option, to deposit with the clerk of the Court all documents and funds held in
escrow, except all costs, expenses, charges, and reasonable attorneys' fees incurred by the Escrow Agent due to the interpleader action and which Bay Peak and the Investor Representative agree to pay one-half each. Upon initiating such action, the
Escrow Agent shall be fully released and discharged of and from all obligations and liability imposed by the terms of this Agreement. 


5.4 Bay Peak and the Investor Representative hereby agree, jointly and severally, to indemnify and hold the Escrow Agent, and its directors, officers, employees, and agents, harmless from and against all costs, damages, judgments, attorneys'
fees for outside counsel, expenses, obligations and
liabilities of every kind and nature which the Escrow Agent, and its directors, officers, employees, and agents, may incur, sustain, or be required to pay in connection with or arising out of this Agreement, unless the aforementioned results from
the Escrow Agent's gross negligence or willful misconduct, and to pay the Escrow Agent on demand the amount of all such costs, damages, judgments, attorneys' fees, expenses, obligations, and liabilities. The costs and expenses of enforcing this
right of indemnification also shall be paid one-half each by Bay Peak and the Investor Representative. The foregoing indemnities in this paragraph shall survive the resignation or substitution of the Escrow Agent or the termination of this
Agreement. 


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ARTICLE VI 

RESIGNATION OF ESCROW AGENT 


6.1 The Escrow Agent may resign at any time upon giving at least sixty (60) days prior written notice to Bay Peak and the Investor Representative; provided, however, that no such resignation shall become effective until the appointment of a
successor escrow agent which shall be accomplished as follows: Bay Peak and the Investor Representative shall use their best efforts to select a successor escrow agent within sixty (60) days after receiving such notice. If Bay Peak and the Investor
Representative fail to appoint a successor escrow agent within such time, the Escrow Agent shall have the right to appoint a successor escrow agent. The successor escrow agent shall execute and deliver an instrument accepting such appointment and it
shall, without further acts, be vested with all the estates, properties, rights, powers, and duties of the predecessor escrow agent as if originally named as escrow agent. Upon delivery of such instrument, the Escrow Agent shall be discharged from
any further duties and liability under this Agreement.


ARTICLE VII 

MISCELLANEOUS 


7.1 Termination. This Agreement shall automatically terminate if and when all amounts in the Escrow Account (including all the securities deposited into the Escrow Account) shall have been distributed by the Escrow Agent in accordance
with the terms of this Agreement; provided, however, that the rights and obligations of the parties hereto shall survive the termination hereof. 


7.2 Further Instruments. In the event that the Escrow Agent reasonably requires other further instruments in connection with its performance of its duties and obligations hereunder, Bay Peak and the Investment Representative shall use
their commercially reasonably best efforts to join in furnishing such instruments.


7.3 Arbitration. The parties hereto agree that any dispute or controversy arising out of, in relation to, or in connection with this Agreement, or the making, interpretation, construction, performance or breach thereof, shall be
finally settled by binding arbitration in the State of Nevada under the then current rules of the American Arbitration Association by one (1) arbitrator appointed in accordance with such rules.  The arbitrator may grant injunctive or other relief in
such dispute or controversy.  The decision of the arbitrator, shall be final, conclusive and binding on the parties to the arbitration.  The Escrow Agent shall be entitled to rely on any arbitrator’s decision.  Judgment may be entered on the
arbitrator's decision in any court of competent jurisdiction.  The parties agree that, any provision of applicable law notwithstanding, they will not request and the arbitrator shall have no authority to award, punitive or exemplary damages against
any party. The costs of the arbitration, including administrative and arbitrator's fees, shall be shared equally between Bay Peak and the Investor Representative. Each party shall bear the cost of its own attorneys' fees and expert witness fees.


7.4 Notice. All notices required by this Agreement shall be in writing and shall be deemed to have been received (a) immediately if sent by facsimile transmission or email (with a confirming copy sent the same Business Day by
registered or certified mail), or by hand delivery (with signed return receipt), or (b) the next Business Day if sent by nationally
recognized overnight courier, in any case to the respective addresses as
follows: 


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	To Investor 	  	With a copy 	  
	Representative 	  	to: 	  
	: 	David Steele 	  	Adam Hornung 
	  	3111 Del Rio Drive 	  	Scudder Law Firm, P.C., L.L.O. 
	  	North Vancouver, BC V7N 4C3 	  	411 S. 13th Street, Suite 200
    
	  	Telephone: 604-980-8407 	  	Lincoln, NE 68508 
	  	Fax: 	  	Telephone: 402-435-3223 
	  	Email: steeledave@shaw.ca 	  	Fax: 402-435-4239 
				Email: ahornung@scudderlaw.com 
	  	  	  	  
	To Bay Peak: 	  	With a copy 	  
	  	Bay Peak 1 Opportunity Corp. 	to: 	Thomas Shoesmith 
		169 Bolsa Avenue 		Pillsbury Winthrop Shaw Pittman LLP
  
	  	Mill Valley, CA 94941 	  	2475 Hanover Street 
	  	Telephone: 480-320-4734 	  	Palo Alto, CA 
	  	Fax: 	  	Telephone: 650-233-4553 
	  	Email: 	  	Fax: 650-233-4545 
				Email: thomas.shoesmith@pillsburylaw.
      com 
	  	  	  	  
	To the Escrow 	  	  	  
	Agent: 	Deutsche Bank National Trust Company 		
	  	101 California Street, 47th
      Floor 	  	  
	  	San Francisco, CA 94111 	  	  
	  	Attention: Raafat A Sarkis 	  	  
	  	Telephone: 415-617-2801 	  	  
	  	Fax: 415-617-2801 	  	  
	  	Email: raafat.sarkis@db.com 	  	  


7.5 Governing Law. This Agreement shall be
governed by and construed in accordance with the laws of the State of Nevada
without regard to its choice of law provisions. 

7.6 Tax Reporting Information. For purposes of
income tax reporting, the Escrow Agent will allocate any such interest or other
income paid on the Escrow Funds to the party to whom the Escrow Funds are
released. The party to whom any such interest or other income is so allocated
shall treat and report such interest or other income as income to it on all tax
returns filed by such party. Each of Bay Peak and the Investor Representative
agrees to complete, sign and return a Form W-9 and any other forms and documents
that the Escrow Agent may reasonably request (collectively, “Tax Reporting
Documentation”) to the Escrow Agent within 30 days after the date
hereof. The parties hereto understand that, if such Tax Reporting Documentation
is not so furnished to the Escrow Agent, the Escrow Agent shall be required by
the Internal Revenue Code of 1986, as amended, to withhold a portion of any
payment made by the Escrow Agent pursuant to this Agreement, and to immediately
remit such withholding to the Internal Revenue Service. The sole tax reporting
obligations of the Escrow Agent shall be (a) to file Form 1099 INT with the
Internal Revenue Service with respect to any interest income
earned on the Escrow Funds by the party receiving such interest income and to provide a copy thereof to Bay Peak and the Investor Representative or (b) to file Form 1099B and 1099INT with the Internal Revenue Service with respect to
amounts paid to the party receiving such interest income and to provide copies thereof to Bay Peak and the Investor Representative. 

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7.7 Automatic Succession. Any entity into which the Escrow Agent may be merged or with which it may be consolidated, or any entity to whom the Escrow Agent may transfer a substantial amount of its escrow business, shall be the
successor to the Escrow Agent without the execution or filing of any paper or any further act on the part of any of the parties, anything herein to the contrary notwithstanding. 


7.8 Amendment and Modification. Bay Peak and the Investor Representative and the Escrow Agent may amend, modify, and/or supplement this Agreement as they may mutually agree in writing. 


7.9 Severability. The parties agree that if any provision of this Agreement shall under any circumstances be deemed invalid or inoperative this Agreement shall be construed with the invalid or inoperative provisions deleted and the
rights and obligations of the parties shall be construed and enforced accordingly. 


7.10 Counterparts. This Agreement may be executed in any number of counterparts, each of which shall be enforceable against the parties actually executing such counterparts, and all of which together shall constitute one instrument.



7.11 Telecopy Execution and Delivery.  A facsimile, telecopy or other reproduction of this Agreement may be executed by one or more parties hereto and delivered by such party by facsimile or any similar electronic transmission device
pursuant to which the signature of or on behalf of such party can be seen. Such execution and delivery shall be considered valid, binding and effective for all purposes. At the request of any party hereto, all parties hereto agree to execute and
deliver an original of this Agreement as well as any facsimile, telecopy or other reproduction hereof.


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IN WITNESS WHEREOF, the parties hereto have executed and delivered this Agreement as of the day and year first above written. 


INVESTOR REPRESENTATIVE: 


By: /s/ David Steele                             

Name: David Steele                            
     

Title:                                                     





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IN WITNESS WHEREOF, the parties hereto have executed and delivered this Agreement as of the day and year first above written. 


BAY PEAK 1 OPPORTUNITY CORP. : 


By: /s/ Christopher Jensen                    
    

Name: Christopher Jensen                       

Title: Secretary                                          




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IN WITNESS WHEREOF, the parties hereto have executed and delivered this Agreement as of the day and year first above written. 


ESCROW AGENT: 


DEUTSCHE BANK NATIONAL TRUST COMPANY 


By: /s/ Raafat A. Sarkis                                             

Name: Raafat A. Sarkis                    
                    

Title: Vice President                             




By: /s/ Loyce G. Harrison                     

Name: Loyce G. Harrison                    
    

Title: Vice President                                                    




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Schedule A 

ESCROWED SHARES 

	Name of Company Shareholder 	Number of Escrowed Shares
      Deposited 
	Cheung So Wa 	1,200,000 
	Chan Sun Kueng 	2,800,000 
	Total 	4,000,000 






EXHIBIT A 

Assignment Separate from Certificate 

For value received, the undersigned hereby assigns and
transfers the fully paid and non-assessable shares of Common Stock, par value
$0.0001 per share of Bay Peak 1 Opportunity Corp., a Nevada corporation (the
“Company”), standing in the name of the undersigned on the books and records of
the Company to the individuals noted in the table below the number of shares set
across from such individual’s name.

The undersigned does hereby irrevocably constitute and appoint
Deutsche Bank National Trust Company (or its assigns) as its attorney-in-fact to
transfer said stock on the books and records of the Company with full power of
substitution in the premises. 


	Name of
      Transferee 	Number of Shares Transferred 
	 	 
	 	 
	 	 
	 	 
	 	 
	 	 
	 	 
	 	 
	 	 



Dated:___________________


[Company Shareholder] 

________________________________ 








	Deutsche Bank National Trust Company 
	Trust & Securities Services 
	 


Exhibit B 
Bay Peak 1 Opportunity Corp./ David
Steele Stock 
Escrow Agreement




Our fees to serve as Escrow agent are calculated as follows:


	Acceptance fee: 	Waived 
	This one time charge is payable at the time of
      the closing and includes the review and execution of the agreements and
      all documents submitted in support thereof and establishment of accounts.
    



	Escrow Agent Administrative Fee 	$2,500 


This annual fee covers escrow agent duties and responsibilities
related to account administration and servicing for the life of the account,
which may include maintenance of accounts on various systems, custody and
securities servicing, vault services, paying agent duties, reporting, etc. This
fee is payable in advance and shall not be prorated. 

Miscellaneous Fees

The fees for performing extraordinary or other services not
contemplated at the time of the execution of the transaction or not specifically
covered elsewhere in this schedule will be commensurate with the service to be
provided and will be charged in DBNTC’s sole discretion. These extraordinary
services may include, but are not limited to: proxy dissemination/tabulation,
customized reporting and/or procedures, required tax reporting (1099/1042),
electronic account access, etc. Counsel, accountants, special agents and others
will be charged at the actual amount of fees and expenses billed. 

	Office Information 	  
	Office Name and Address: 	Deutsche Bank National Trust 
	Company 	  
	  	101 California Street, 47th floor
  
	  	San Francisco, CA 94111 
	  	  
	Administrator Contact Person 	Raafat Sarkis, Vice President 
	Telephone Number: 	(415) 617-2801 
	Fax Number: 	(415) 617-4280 
	E-mail: 	raafat.sarkis@db.com
      



	March 4, 2011 
	               
                         
                         
                         
                         
                         
                         
                         
                         
         Private and Confidential 















	Deutsche Bank National Trust Company 
	Trust & Securities Services 



A. Review Period: 

	
This proposal is subject to satisfactory documentation review of the transaction as well as our own internal credit, conflict and approval process for both new transactions and new clients.
	
All documentation will be subject to California law, unless otherwise specified in the governing documents.
	
We reserve the right to consult legal counsel during documentation review. In the event legal charges are incurred, these charges are your sole responsibility.
	
If this transaction should fail to close for reasons beyond our control, we reserve the right to charge our acceptance fee plus reimbursement for legal fees and costs associated with due diligence on the transaction.



B. Disclosures: 

	
We reserve the right to review our fee arrangement should circumstances warrant.
	
You are responsible for extraordinary expenses and fees for the performance of services not contemplated at the time of the execution of the documents or not specifically covered in the agreement or fee schedule. Such extraordinary fees and expenses
include, but are not limited to, those arising from Bondholder meetings, activities relating to default and workout situations, travel and travel-related expenses, and amendments and releases.
	
Unless otherwise instructed, we will place orders in accordance with your written investment instructions to buy/sell money market mutual funds (“MMF”) shares with the MMF provider(s) or their agents.
	
Unless otherwise instructed, we will place orders in accordance with your written investment instructions to buy/sell deposits, securities and other financial instruments with Deutsche Bank Securities, Inc. (DBSI), our affiliated registered
broker-dealer.
	
If you choose to invest in a proprietary MMF, we and/or our affiliates may earn investment management fees and other fees associated with these MMFs, as disclosed in the relevant MMF’s prospectus, in addition to the charges quoted above. Also,
we have entered into agreements with certain MMFs, including proprietary MMFs, or their agents, to provide shareholder services to those MMFs. We are paid a fee by the MMFs for providing these shareholder services that, calculated on an annual
basis, does not exceed 80 basis points per annum of the average daily balance of the amount of your investment in these MMFs. Qualified Funds are those MMFs that pay incentive payments to us and, in some cases, are part of our automated internal
trade order entry system. We also make available other MMFs that are not Qualified Funds. Please note, however, that the transaction charges described above apply to each transaction in these MMFs. We may receive other compensation from the advisers
to or other affiliates of the MMFs.
	
If you choose to use other services provided by any of our affiliates, we may be allocated a portion of the fees earned.
	
We will provide periodic account statements describing transactions executed for your account(s). Confirmations of trades will be available upon your request at no additional charge.
	
Shares of MMFs are not deposits or obligations of, or guaranteed by, us or any of our affiliates, and are not insured by the Federal Deposit Insurance Corporation or any other agency of the U.S. Government. Investments in the MMFs involve the
possible loss of principal. Please read the prospectus carefully before investing.


	March 4, 2011 
	               
                         
                         
                         
                         
                         
                         
                         
                         
         Private and Confidential 


















	Deutsche Bank National Trust Company 
	Trust & Securities Services 
	 


	
For multi-currency financing arrangements, we may also place orders to buy/sell currencies with any of our affiliates. These transactions (for which normal and customary spreads may be earned) will be executed by such affiliates on a principal basis
solely for your account(s) and without recourse to us or any such affiliates.



C. Important Information about Procedures for Opening a New Account 


To help fight the funding of terrorism and money laundering activities, Deutsche Bank obtains, verifies, and records information that identifies individuals or entities that establish a relationship or open an account with DB. What this means: We
will ask for the name, address, tax identification number and other information that will allow us to identify the individual or entity who is establishing the relationship or opening the account. We may also ask for formation documents such as
articles of incorporation, an offering memorandum, or other identifying documents to be provided. 


..

	March 4, 2011 
	               
                         
                         
                         
                         
                         
                         
                         
                         
         Private and Confidential