Cambridge Investment Research, Inc.
Cambridge_ClientInformationandSuitabilityForm_101518.4 Page 1 of 10
Client Information and Suitability Form
Please print, preferably in capital letters and black ink. All information requested is required unless optional is indicated.
NAF
Social Security number or Tax ID CLIC Trade Key #
FP code
Line 1
Line 2
Line 3
NFS Pershing Direct/Other (product company/outside platform/third-party money manager)
Is this a Cambridge financial professional personal or family securities account? Yes No
A. Non-qualified
Individual Individual transfer on death Sole proprietor Conservator
Joint w/ rights of survivorship Joint tenants in common Joint tenants in entirety Joint transfer on death
Community property w/ rights of survivorship Community property UGMA UTMA
Guardian Group 529 Individual 529 Individual 529 funded by UGMA/UTMA
B. IRA
1. Traditional Rollover SEP Roth participant/contribution Roth conversion Roth guardian
Beneficiary IRA (name of decedent/original depositor)
2. Plan document (brokerage accounts only)
Clearing firm plan documents Outside custodian document (include copy of form)
C. Qualified
1. Individual 401(k) Participant 403(b) Participant 403(b)(7) Deferred compensation/457 participant
Group 401(k) participant Roth 403(b) 401(a) employee 415(m) plan participant
Money purchase pension participant Profit sharing participant Keogh (Pershing transfer only) Defined Benefit Pension Individual
SARSEP (transfer only) SIMPLE employee Health savings account
Roth individual 401(k) Roth individual 401(k) conversion Coverdell Education Savings Account
Beneficiary QRP (name of decedent/original depositor)
2. ERISA qualification ERISA Non-ERISA
3. Investment directed by
Participant Trustee Participant and trustee
4. Plan document (brokerage accounts only) Retirement
Clearing Firm/Product Company Adoption Agreement (retirement)
Retail
Third-party administrator
(requires TCIP Form for NFS and TCIPR Form for Pershing)
D. NFS/Pershing Accounts Only Clearing account number (prefix required)
1.
Delivery versus Payment (DVP)/Receipt versus Payment (RVP) (attach delivery instructions)
2. Cost basis Alternative Disposal Methods (ADMs) – Cost basis ADMs are available. For a list of ADMs and their definitions, please see Section 16 of the Client
Agreement. Choosing one of the ADMs will reset the account default. Please consult your tax advisor for guidance on the use of these methods.
Please specify alternative disposal method.
3. Core Transaction Account - Unless otherwise noted below, I/We agree to have any funds deposited for or held in anticipation of securities purchases, any income and
distributions from investments held in my/our Account, and any proceeds from the sale of securities (“Cash Sweep Balance”) automatically swept into the default cash
sweep program available to me/us based on my/our Account registration type. Please see Section 23 of the Client Agreement for information and disclosures.
I/we do not wish to have the Cash Sweep Balance in my/our Account swept into the default cash sweep program referenced above. Alternatively, I/we wish to have
my/our Cash Sweep Balance swept here:
4. Standing Instructions -I/We agree to the following instructions being placed on my/our Account unless I/we specify an alternative action through my/our selections
below: Sales – hold in Account; Purchases – hold certificates in street name; Dividends and capital gains – reinvest mutual fund dividends and capital gains, pay equity
dividends in cash and sweep any Cash Sweep Balance in my Account into i) the alternative cash sweep program specifically listed above or ii) the default cash sweep
program corresponding to my/our Account registration type.
Sales Dividends and Capital Gains (transferred positions may default to previous instructions)
Mutual funds Equities
Hold in account Reinvest
Send proceeds Credit sweep vehicle
Pay income monthly
(complete separate form for income options)
Not all securities are eligible for reinvestment. Pershing: Equity and mutual fund reinvestment coding is established for each position by the financial professional on NetX360
®
/Holdings.
E. Pershing Accounts Only Add to existing NetXInvestor Client ID
(Account will only be added if ID is provided and CIR has a complete form on file stating to add accounts by SSN)
PREFIX
1 – ACCOUNT REGISTRATION
2 – ACCOUNT INFORMATION
Reset Form
Cambridge Investment Research, Inc.
Cambridge_ClientInformationandSuitabilityForm_101518.4 Page 2 of 10
If the registration is UGMA, UTMA, Coverdell Education Savings, Individual 529
funded by UGMA/UTMA, or Guardian (when the account owner is a minor), provide
the minor’s information here.
If the registration is Individual 529, provide the account owner’s information here.
If there are more than two investors, attach Additional Signers Form.
Name (first, MI, last)
Social Security number or Tax ID
Exempt payee code (if any)
Birth date (mm/dd/yyyy)
Marital Status
Single Married Domestic partner Widowed
Citizenship
(questionnaire required for resident alien, non-resident alien, or U.S. citizen living abroad)
U.S. citizen Resident alien Non-resident alien
Country of origin (for resident and non-resident aliens only)
Legal U.S. Address (required – no P.O. Box)
Address 1 Address 2
City, state, zip
Mailing Address (optional – P.O. Box permitted)
Address 1 Address 2
City, state, zip
Daytime/Work phone Evening/Home phone
Email address (optional) – I agree that Cambridge may send communications by
email if I provide an email address.
USA PATRIOT Act Information (required by federal law)
Driver’s license Passport State issued ID Other:
Alien registration card – required for all resident aliens
Non-documentary – subject to non-documentary procedures
Document number State/Country issued
Expiration date (mm/dd/yyyy) Date issued (mm/dd/yyyy)
Reason ID Documentation Not Required:
Documentation already on file at Cambridge Minor Exempt
Employment Information for Primary Investor/Minor
Employed Self-employed Retired Student
Not employed/Not applicable
Occupation (if self-employed, specify nature of business)
Name of employer
Employer address (required if employed or self-employed)
City, state, zip
If the registration is UGMA, UTMA, Coverdell Education Savings, Individual 529
funded by UGMA/UTMA, or Guardian (when the account owner is a minor), provide
the custodian or guardian’s information here.
If the registration is Individual 529, provide the beneficiary’s information here.
If there are more than two investors, attach Additional Signers Form.
Name (first, MI, last)
Social Security number or Tax ID
Exempt payee code (if any)
Birth date (mm/dd/yyyy)
Marital Status
Single Married Domestic partner Widowed
Citizenship
(questionnaire required for resident alien, non-resident alien, or U.S. citizen living abroad)
U.S. citizen Resident alien Non-resident alien
Country of origin (for resident and non-resident aliens only)
Legal U.S. Address (required – no P.O. Box)
Address 1 Address 2
City, state, zip
Mailing Address (optional – P.O. Box permitted)
Address 1 Address 2
City, state, zip
Daytime/Work phone Evening/Home phone
Email address (optional) – I agree that Cambridge may send communications by
email if I provide an email address.
USA PATRIOT Act Information (required by federal law)
Driver’s license Passport State issued ID Other:
Alien registration card – required for all resident aliens
Non-documentary – subject to non-documentary procedures
Document number State/Country issued
Expiration date (mm/dd/yyyy) Date issued (mm/dd/yyyy)
Reason ID Documentation Not Required:
Documentation already on file at Cambridge Minor Exempt
Employment Information for Joint Investor/Secondary Party
Employed Self-employed Retired Student
Not employed/Not applicable
Occupation (if self-employed, specify nature of business)
Name of employer
Employer address (required if employed or self-employed)
City, state, zip
3A - PRIMARY INVESTOR INFORMATION
3B - JOINT INVESTOR/SECONDARY PARTY INFORMATION
Cambridge Investment Research, Inc.
Cambridge_ClientInformationandSuitabilityForm_101518.4 Page 3 of 10
Trusted Contact Information is defined in Section 25.
Name (first, MI, last) Relationship to primary/Joint investor
Address City, state, zip
Daytime/Work phone Evening/Home phone
Email (optional)
Refers to Primary Investor Primary and Joint Investors or Minor Joint Investor or Minor Household
Annual Income
<$20,000 $20,000-$50,000 $50,000-$100,000 $100,000-$200,000 $200,000-$500,000 >$500,000
Net Worth Total assets minus total liabilities, excluding primary residence, but including all other personal holdings
<$50,000, must specify: $ .00 $50,000-$100,000 $100,000-$250,000 $250,000-$500,000 $500,000-$1 million
$1–$2 million >$2 million, must specify: $ .00
Federal Tax Bracket
%
Net Investable Assets $
.00 (sum of all investable assets, including outside holdings, minus liabilities, on these assets)
Risk Tolerance and Investment Objectives are defined in Sections 20, 21, and 22.
Please select the one objective below that would best describe your risk tolerance and investment objective for this registration type and/or account(s).
Conservative Moderate-conservative Moderate Moderate-aggressive Aggressive
Current Income Current Income Current Income High Current Income High Current Income
High Current Income High Current Income High Current Income Growth and Income Growth and Income
Growth and Income Growth and Income Growth and Income Growth Growth
Growth Growth Growth Speculation Speculation
Affiliation Information - Are you, your spouse, immediate family members or
dependents:
1. A political official?
Yes No If yes, please check appropriate choice(s):
Elected official who has legal authority to hire a professional for their affiliated
government entity
Elected official who has appointment authority, or can influence the hiring, of a
financial professional for their affiliated government entity
No potential influence to hire a financial professional for government entity
2. Employed by or associated with the securities industry (for example, a sole
proprietor, partner, officer, director, or branch manager of a broker-dealer firm) or
a financial regulatory agency?
Yes, FINRA
Yes, RIA
Yes, state or federal securities regulator
Yes, broker-dealer or municipal securities dealer
If this is a brokerage account (capable of trading municipal securities)
and the account owner is employed by a broker dealer or municipal
securities dealer other than Cambridge Investment Research, Inc. or
is the spouse or minor child of such employee, please complete the
Affiliated Persons Form and submit with this document.
No
3. A director, 10 percent shareholder, or policy-making officer of a publicly traded
company?
Yes, please list name and symbol of the company No
4. A senior military, governmental, or political official of a non-U.S. country?
Yes, please list name of country and complete Politically
Exposed Persons Form and submit with this document
No
Affiliation Information - Are you, your spouse, immediate family members or
dependents:
1. A political official?
Yes No If yes, please check appropriate choice(s):
Elected official who has legal authority to hire a professional for their affiliated
government entity
Elected official who has appointment authority, or can influence the hiring, of a
financial professional for their affiliated government entity
No potential influence to hire a financial professional for government entity
2. Employed by or associated with the securities industry (for example, a sole
proprietor, partner, officer, director, or branch manager of a broker-dealer firm) or a
financial regulatory agency?
Yes, FINRA
Yes, RIA
Yes, state or federal securities regulator
Yes, broker-dealer or municipal securities dealer
If this is a brokerage account (capable of trading municipal securities)
and the account owner is employed by a broker dealer or municipal
securities dealer other than Cambridge Investment Research, Inc. or
is the spouse or minor child of such employee, please complete the
Affiliated Persons Form and submit with this document.
No
3. A director, 10 percent shareholder, or policy-making officer of a publicly traded
company?
Yes, please list name and symbol of the company No
4. A senior military, governmental, or political official of a non-U.S. country?
Yes, please list name of country and complete Politically
Exposed Persons Form and submit with this document
No
3A - PRIMARY INVESTOR INFORMATION (CONT.) 3B - JOINT INVESTOR/SECONDARY PARTY INFORMATION (CONT.)
4 - TRUSTED CONTACT INFORMATION
5 - FINANCIAL INFORMATION
6 - RISK TOLERANCE AND PRIMARY INVESTMENT OBJECTIVE
Cambridge Investment Research, Inc.
Cambridge_ClientInformationandSuitabilityForm_101518.4 Page 4 of 10
7 - SECONDARY INVESTMENT OBJECTIVE
If appropriate, please select up to two secondary investment objectives that coincide with any additional investments for this registration type and/or account(s). These
choices will allow for additional investments outside of the primary objective identified above, assuming that the value of these investments do not move the entire portfolio
out of the range suggested by the primary investment objective identified above.
Current Income High Current Income Growth and Income Growth Speculation
8 - TIME HORIZON AND LIQUIDITY NEEDS
Account Time Horizon 0-2 years 2-5 years 5-10 years 10+ years
Liquidity Needs Defined in Section 24.
Annual Expenses $
.00 (recurring - might include mortgage payments, rent, long-term debts, utilities, alimony or child support payments, etc.)
Estimated Special Expenses $ .00 (future, non-recurring - might include home purchase, home remodel, car purchase, education, medical expenses, etc.)
Special Expenses Time Frame 0 years 1-2 years 2-5 years 5+ years
Use one number to signify investment experience for each investment category: 1 – None 2 – Occasional 3 – Frequent 4 – Extensive
Stocks Bonds Options Commodities Real estate Mutual funds Insurance/Annuities
REITs/DPPs/LPs Other:
Please list current holdings outside Cambridge. For insurance/annuities, please use cash value. If there are no outside assets, mark None. For real estate investments,
please do not include primary residence.
None
Stocks $
.00 Bonds $ .00 Options $ .00
Commodities $ .00 Real estate $ .00 Mutual funds $ .00
Insurance/Annuities $
.00 REIT/DPP/LP $ .00 Cash/Bank products $ .00
Unspecified $ .00 Interval funds $ .00 Other $ .00
If this account is owned or controlled by more than one individual or entity, “I” refers to all account owners. Under penalties of perjury, I certify that: (1) the number shown on
this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me); and (2) I am not subject to backup withholding because I am exempt
from backup withholding, or I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest
or dividends, or the IRS has notified me that I am no longer subject to backup withholding; and (3) I am a U.S. citizen or other U.S. person; and (4) The FATCA code(s)
entered on this form (if any) indicating that I am exempt from FATCA reporting is correct. I understand that if I have been notified by the IRS that I am subject to backup
withholding as a result of dividend or interest underreporting and I have not received a notice from the IRS advising that backup withholding is terminated, I must cross out
item 2 above.
By signing below, I represent and warrant that the information provided on this Client Information and Suitability Form and the identification presented to verify my identity is
true and accurate. I represent that I will notify Cambridge in writing immediately if there is any material change in the information I have provided, and I acknowledge that I
have received, read, understand, and agree to be bound by and to abide by all of the terms and conditions set forth in this Client Information and Suitability Form, including the
Client Agreement which is incorporated into this Client Information and Suitability Form by reference. Cambridge may use third parties to perform administrative tasks on its
behalf such as preparation of account applications and other account forms. I acknowledge that I am solely responsible for reviewing my account documentation for accuracy
and completeness. I attest that I have received the Form CRS and/or Reg BI Disclosure, as applicable, prior to or at the time of the recommendation to establish this account.
By signing below, I authorize the sharing of my nonpublic personal information in accordance with the Cambridge Privacy Policy (please see the last pages of
the Client Agreement). I will contact the Cambridge Compliance Department by calling 800-777-6080 if I do not want this information shared with non-affiliated
third parties. By signing below, I consent to the review of email correspondence exchanged between me and my financial professional. Such review is required
of Cambridge pursuant to regulation. The Client Agreement on the following pages hereof contains a pre-dispute binding arbitration and disclosure agreement
in Section 18 of the Client Agreement, and certain other provisions which may substantially affect my rights. By signing below, I acknowledge receipt of this pre-
dispute binding arbitration and disclosure agreement. By signing below, I acknowledge that I have read the entire Client Information and Suitability Form (pages
1-8), including the Client Agreement (pages 5-8).
Signature of primary investor Date
Signature of joint investor/secondary party Date
Financial professional (print name) FP code
Signature of financial professional
1
Date
Supervisor approval (if applicable) Date
Home office approval Date
1
My signature indicates that I have reviewed the identification(s) presented by the above client(s), and certify that, to the best of my knowledge, the identification is genuine
and unaltered and truly represents the identity of my client(s), or I have relied upon the non-documentary procedures. Additionally, I attest that I have provided the Form CRS
and/or Reg BI Disclosure, as applicable, to my client prior to or at the time of the recommendation to establish this account.
9 - INVESTMENT EXPERIENCE
10 - SIGNATURES
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Cambridge Investment Research, Inc.
Cambridge_ClientInformationandSuitabilityForm_101518.4 Page 5 of 10
TO: CAMBRIDGE INVESTMENT RESEARCH, INC. (Cambridge) in consideration of Cambridge effecting securities trades for my account and/or
performing investment supervisory services, I agree as follows:
1. Nature of Services Provided: I understand that all information supplied by the undersigned will be subject to verification and that the information on this application
is correct. I understand that I have entered into a binding agreement with Cambridge, a broker-dealer and member FINRA and SIPC, and have established an account
with Cambridge. Therefore, I understand that I should not deliver cash, traveler’s checks, or money orders or make checks payable to my financial professional or his/
her business entity to purchase securities.
2. Authority and Ownership: I have the required legal capacity, am authorized to enter into this Client Agreement, and have obtained and will provide Cambridge with
all necessary authorizations from third parties to open accounts and effect transactions in securities under this Client Agreement. I will be the owner of securities pur-
chased, held, and sold by me through Cambridge.
3. No Advice: I understand that Cambridge provides no tax or legal advice and that my financial professional may provide tax or legal advice in his/her separate capacities
as a CPA, enrolled agent, or attorney.
4. Appointment of Cambridge as Agent: Cambridge is a registered broker-dealer. I appoint Cambridge as my agent for the purpose of carrying out my directions with
respect to the purchase or sale of securities. To carry out its duties, Cambridge is authorized to open or close brokerage accounts, place and withdraw orders, provide
information to third parties, and take such other steps as are reasonable to carry out my directions. As applicable, I authorize Cambridge to retrieve my historical trans-
action and position data from former broker-dealers and/or product sponsors where my account(s) are or have been held, and from Albridge Solutions.
5. Abandoned or House Accounts: If it is determined that your account no longer has a registered representative of Cambridge associated with it, then Cambridge will
code your account as a House account and will provide you with separate written notification that Cambridge does not have internal staff to monitor House accounts.
With the notification that your account has been assigned as a House account, Cambridge will explain your options for transfer or liquidation of your account and indi-
cate a deadline for such transfer or liquidation. If you fail to respond in a timely manner to Cambridge’s notification and request for you to provide transfer or liquidation
instructions, then Cambridge is authorized to liquidate all positions in your account and will send a check to you at the address of record for your account in the amount
of the liquidation proceeds less the payment of all debits and costs of liquidation.
6. Extraordinary Events: Cambridge shall not be liable for loss caused directly or indirectly by war, terrorism, natural disasters, government restrictions, exchange or
market rulings, or other conditions beyond Cambridge’s control, including but not limited to extreme market volatility or trading volumes.
7. Joint Accounts (not Inclusive of Joint Tenants in Common Registrations): If this account is owned or controlled by more than one individual or entity, “I” refers to all
account owners, and each of the account owners jointly and severally agree that any account owner has authority on behalf of the joint account to:
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All obligations and liabilities arising in connection with this account and Client Agreement are joint and several and may be enforced by Cambridge against any or all account
owners. Cambridge is authorized to follow the instructions of any joint account owner, without notice to any other account owner, in every respect, and to deliver any or
all monies, securities, or other property to any joint account owner upon the instructions of any joint account owner, or to any other person upon such instructions, even if
such delivery or payment is to that joint owner personally and not the other(s). Cambridge will be under no obligation to inquire into the purpose or propriety of such delivery
or payment and is not bound to inquire into the disposition or application of such delivery or payment. This authority remains in force until written notice to the contrary is
addressed to Cambridge and delivered to its office. Cambridge, in its sole discretion and for its sole protection, may terminate the account upon receipt of such notice and
may, but need not, require the written consent of all account owners prior to action upon the instructions of any account owner.
8. Governing Law: This Client Agreement and its enforcement shall be governed by the laws of the state of Iowa without giving effect to the conflicts of law provisions
thereof; shall cover individually and collectively all accounts I may open or reopen with Cambridge, and shall inure to the benefit of Cambridge’s successors and
assigns, whether by merger, consolidation, or otherwise, and Cambridge may transfer such account of the undersigned to Cambridge’s successors and assigns, and
this Client Agreement shall be binding upon the heirs, executors, administrators, successors, and assigns of the undersigned.
9. Amendments: Cambridge may amend the terms and conditions set forth in this Client Agreement in any respect from time to time and any such amendments shall
become effective immediately upon providing written notice to you at your last known address, including an electronic address if authorized by you, as shown in the
records of Cambridge. Your continued account activity constitutes your agreement to be bound by such amendments to these terms and conditions.
10. Compensation for Routing Orders: Please be advised that Cambridge will receive remuneration, compensation, or other consideration for directing
client orders to
particular broker-dealers or market centers for execution. Unpriced orders can be executed at prices superior to the displayed national best bid or offer and the time the
order is received. The source and nature of any compensation received in connection with your particular transaction will be furnished upon request to Cambridge. A
detailed explanation of order routing will be provided to you on an annual basis.
11. Service Charges: Cambridge and its clearing firms may charge certain fees or service charges from time to time for services including, but not limited to, wire fees,
overnight check fees, annual custody and recordkeeping fees, stop payment fees, bounced check fees, extensions, physical delivery of securities, inactive account
fees, account closing fees, paper statement fees, paper confirm fees, and voluntary account transfers. Cambridge and its clearing firms, upon 30 days written
CAMBRIDGE INVESTMENT RESEARCH, INC.
CLIENT AGREEMENT
Cambridge Investment Research, Inc.
Cambridge_ClientInformationandSuitabilityForm_101518.4 Page 6 of 10
notification, may modify any fees or service charges applicable. You should contact your financial professional or the Cambridge Operations Department at 888-245-
0452 to determine the full range of fees charged and the amount of any specific fee.
12. FINRA Disclosure Program: The Financial Industry Regulatory Authority (FINRA) requires that Cambridge provide the following information concerning FINRA’s
public disclosure program: FINRAs public disclosure program hotline number is 800-289-9999; FINRAs website address is www.finra.org. An investor brochure that
includes information describing the public disclosure program may be obtained from FINRA.
13. SIPC Member Disclosure: Cambridge is a member of the Securities Investor Protection Corporation (SIPC). You may obtain information about SIPC including the SIPC
Brochure at www.sipc.org, or by phone at 202-371-8300.
14. Concerns or Complaints: If you have any concerns or complaints regarding your account, you may contact Cambridge’s Compliance Department directly at 800-777-
6080. Any correspondence should be directed to: Cambridge Investment Research, Inc., Attn.: Compliance Department, 1776 Pleasant Plain Road, Fairfield, Iowa,
52556.
15. Communication: All communications sent to the account address of record, whether by mail, telegraph, messenger, or email address provided on the Client Information
and Suitability Form, or otherwise, shall be deemed given to the undersigned personally, whether actually received or not. I agree that Cambridge may send all
communications by email if I provide an email address. Cambridge may continue to send communications to the email address on the Client Information and Suitability
Form until Cambridge is notified in writing of a new email address or that I will no longer have an email address.
16. Cost Basis Alternative Disposal Methods (ADMS):
Highest Cost (HICO) – Shares with the highest purchase price are redeemed first.
Highest Cost, Long-term (HICL) – Shares purchased more than one year ago with the highest purchase price are redeemed first. If no or an inadequate number of long-
term shares are identified, then the short-term shares with the highest purchase price will be redeemed.
Highest Cost, Short-term (HICS) – Shares purchased less than one year ago with the highest purchase price are redeemed first. If no or an inadequate number of short-
term shares are identified, then the long-term shares with the highest purchase price will be redeemed.
First In, First Out (FIFO) – Shares with the earliest purchase date are the first shares redeemed.
Last In, First Out (LIFO) – Shares with the most recent purchase date are the first shares redeemed.
Lowest Cost (LOCO) – Shares with the lowest purchase price are redeemed first.
Lowest Cost, Long-term (LOCL) – Shares purchased more than one year ago with the lowest purchase price are redeemed first. If no or an inadequate number of long-
term shares are identified, then the short-term shares with the lowest purchase price will be redeemed.
Lowest Cost, Short-term (LOCS) – Shares purchased less than one year ago with the lowest purchase price are redeemed first. If no or an inadequate number of short-
term shares are identified, then the long-term shares with the lowest purchase price will be redeemed.
Tax Sensitive (TXSN) – NFS Only – A global rate (35 percent short-term and 15 percent long-term) will be used to calculate short-term and long-term gain or loss. The tax
rate will be multiplied by gross gain or loss to determine tax liability. The tax liability divided by quantity will result in the tax per share. The lot with the lowest tax per share
is depleted first.
17. Net Investable Assets
A definition of investable assets includes:
(i) securities (as defined in the Securities Act), except for securities of issuers controlled by the Investor (“Control Securities”), (exceptions apply, see Compliance);
(ii) futures contracts or options thereon held for investment purposes;
(iii) physical commodities held for investment purposes;
(iv) swaps and other similar financial contracts entered into for investment purposes;
(v) real estate held for investment purposes; and
(vi) cash and cash equivalents held for investment purposes.
18. Pre-dispute Arbitration and Disclosure Agreement
The following disclosure is required by various regulatory bodies but should not limit the applicability of the following arbitration provision to or in any claim or contro-
versy which may arise between you and Cambridge. This Agreement contains a predispute arbitration agreement, the parties agree as follows:
a. 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 as provided by the rules of the
arbitration forum in which a claim is filed.
b. Arbitration awards are generally final and binding; a party’s ability to have a court reverse or modify an arbitration award is very limited.
c. The ability of the parties to obtain documents, witness statements and other discovery is generally more limited in arbitration than in court proceedings.
d. 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 will typically include a minority of arbitrators who were or are affiliated with the securities industry.
f. The rules of some arbitration forums may impose time limits for bringing a claim in arbitration. In some cases, a claim that is ineligible for arbitration may be
brought in court.
g. The rules of the arbitration forum in which the claim is filed, and any amendments thereto, are hereby incorporated into this Agreement.
h. Pre-arbitration discovery is generally more limited than and different from court proceedings.
i. Any party’s right to appeal or seek modifications of rulings of the arbitrators is strictly limited.
Cambridge Investment Research, Inc.
Cambridge_ClientInformationandSuitabilityForm_101518.4 Page 7 of 10
j. 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. If at the time a demand for arbitration is made or an election or notice of intention to arbitrate is served, the claims sought to be arbitrated
would have been barred by the relevant statute of limitations or other time bar, any party to this Agreement may assert the limitations as a bar to the arbitration
by applying to any court of competent jurisdiction, and the parties expressly agree that any issues relating to the application of a statute of limitations or other
time bar, are referable to such a court. The failure to assert such bar by application to a court, however, shall not preclude its assertion before the arbitrators.
This agreement to arbitrate does not constitute a waiver of the right to seek a judicial forum where such waiver would be void under the federal securities laws.
k. The rules of the arbitration forum in which the claim is filed, and any amendments thereto, are hereby incorporated into this Agreement.
l. The award of the arbitrators or of the majority of them shall be final, and judgment upon the award rendered may be entered in any court, state or federal,
having jurisdiction.
m. 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 action who has not opted out of the class with respect to any claims
encompassed by the putative class action until:
1. the class certification is denied; or
2. the class is decertified; or
3. the client is excluded from the class by the court.
Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this Agreement except to the extent stated herein.
You agree, and in consideration of Cambridge carrying an account for you, Cambridge agrees, that all controversies which may arise between us, including any dispute
involving Cambridge’s present or former agents, employees, officers, and directors and including, but not limited to, those involving transactions in any account you
have individually or jointly with or on behalf of another party at Cambridge, including those in which you have a beneficial interest, or the construction, performance,
or breach of this or any other agreement between us, whether entered into prior, on, or subsequent to the date hereof, shall be fully and finally determined by binding
arbitration conducted before, and only before, the arbitration panel set up by the Financial Industry Regulatory Authority (FINRA) in accordance with its arbitration
procedures. Any arbitration under this Agreement will be conducted pursuant to the Federal Arbitration Act and the laws of the state of Iowa.
A copy of this arbitration agreement is hereby given to you, who shall acknowledge receipt thereof on this Agreement.
If you file a complaint in court against Cambridge that contains claims that are subject to arbitration pursuant to this arbitration agreement, Cambridge may seek
to compel arbitration of the claims that are subject to arbitration. If Cambridge seeks to compel arbitration of such claims, Cambridge must agree to arbitrate
all of the claims contained in the complaint if you so request. If Cambridge seeks to compel arbitration of the claims you have filed in court that are subject to
arbitration, you expressly agree to reimburse all fees, costs, and expenses incurred by Cambridge to enforce the arbitration provisions of this Agreement unless
FINRA arbitration procedures permit the claim to be filed in court or enforcement of this provision would limit or contradict FINRA arbitration procedures.
By signing the Client Information and Suitability Form, you acknowledge that you are aware that this agreement contains a binding arbitration provision that may be
enforced by the parties.
19. Investment Information About Procedures for Opening a New Account with Cambridge: To help the government fight the funding of terrorism and money laun-
dering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What does this
mean to you? When you open an account, Cambridge will ask for your name, address, date of birth, and other information that will allow us to identify you. Cambridge
will also ask to see your driver’s license or other identifying documents and record specific information on your account application in order to comply with federal law,
unless circumstances provide for non-documentary verification. If Cambridge must use the non-documentary verification procedure, your signature(s) below, serves
as your written authorization to us to proceed with non-documentary identification verification. If you refuse to authorize us to verify your identity, Cambridge, at its
discretion, may refuse to accept your account pursuant to the requirements of, and in compliance with, the USA PATRIOT Act, Section 326 - Customer Identification
Program.
20. Investment Objective Definitions:
Current Income – Investors who have a primary investment goal of a predictable stream of current income. These investors seek investments that will, to the extent
possible, protect their principal investment from market fluctuations.
High Current Income – Investors who have a primary investment goal of immediate income from their investments. These investors seek income producing investments.
Growth and Income – Investors who have a primary investment goal of both appreciation of their principal investment and some current income. These investors are
willing to accept moderate risk and potential loss of principal during market fluctuations, or potential loss of principal and illiquidity in their investments.
Growth – Investors who have a primary investment goal of appreciation of their principal investment and little focus on current income. These investors use this
approach seeking increases in market value but are also willing to accept moderate to high risk and potential loss of principal during market fluctuations, or potential loss
of principal and illiquidity of their investments.
Speculation Investors who have a primary investment goal of maximum appreciation of their principal investment and short-term trading profits. These investors also
accept the maximum risks associated with speculative investments, including the potential for an entire loss of principal and illiquidity of their investments.
21. Secondary Investment Objectives: Secondary investment objectives allow for additional investments to be made outside of the primary investment objective for the
registration/ account(s). This additional investment, while outside of the objective identified above, represents a small percentage of the portfolio and thereby does not affect
the overall investment objective.
Cambridge Investment Research, Inc.
Cambridge_ClientInformationandSuitabilityForm_101518.4 Page 8 of 10
22. Risk Tolerance Definitions:
Conservative – Investor is seeking to preserve principal in their account with minimal risk. These investors are willing to accept lower income or returns, and their
account may not keep pace with inflation.
Moderate-Conservative – Investor is willing to accept low risk to their initial principal, including low volatility, to seek a modest level of portfolio returns.
Moderate – Investor is willing to accept some risk to their initial principal and tolerate some volatility to seek higher returns. These investors understand money invested
could be lost due to market fluctuation.
Moderate-Aggressive – Investor is willing to accept significant risk to their initial principal, including high volatility, to seek higher returns over long-term investing. These
investors may endure large losses in favor of potentially higher long-term returns.
Aggressive – Investor is willing to accept maximum risk to their initial principal to aggressively seek maximum returns. These investors understand that most, or all, of
the money invested potentially could be lost.
23. FDIC Insured Cash Sweep Vehicle Information: The FDIC Insured Cash Sweep Program (“Program”) is designed to allow you to take advantage of the insurance
provided through the Federal Deposit Insurance Corporation (FDIC). This Program is offered to help you manage uninvested cash in your account. Uninvested cash
may consist of any funds deposited for or held in anticipation of securities purchases, any income and distributions from investments held in your account, and any
proceeds from the sale of securities (“Cash Sweep Balance”). The Program is available to individuals, certain non-profit organizations, certain fiduciaries and trusts,
and business entities including corporations, limited liability companies, and partnerships. Certain custodial individual retirement accounts may also be eligible for the
Program. Eligibility for the Program is subject to the limitations described in the Program documents. We reserve the right to amend the Program eligibility requirements
at any time. Please check with your financial professional if you have questions about the eligibility of your account.
FDIC insurance is available on the Cash Sweep Balance in your account only, and does not apply to investment products held in your account. For more information
about the FDIC, please visit www.fdic.gov.
If your account is enrolled in the Program, an additional letter summarizing the Program, rates of interest, and the various banks participating in the Program will be
mailed to your address of record. For a listing of banks in the Program, interest rates or for more information on eligibility for the FDIC Insured Cash Sweep Program,
please visit the “Information for Investors section on www.cir2.com. If you wish to opt out of a particular bank in order to maximize your FDIC insurance coverage,
please contact your financial professional or call Cambridge Partner Support directly at 888-245-0452.
For Pershing accounts only: If your account is not eligible for FDIC insurance, then the Federated Government Reserves Fund (GRFXX) or Federated Trust for U.S.
Treasury Obligations (TCSXX) may be used.
For NFS accounts only: If your account is not eligible for FDIC insurance, then the Fidelity Government Reserves Fund (FZAXX) or Fidelity Treasury fund (FZFXX) may
be used.
24. Liquidity Needs:
Annual expenses - might include mortgage payments, rent, long-term debts, utilities, alimony or child support payments, etc.
Special expenses - might include a home purchase, remodeling a home, a car purchase, education, medical expenses, etc.
25. Trusted Contact: If we are unable to reach you or have concerns about your health, you authorize us, but not require us, to contact the person listed on page 3, section
4, and to disclose information about you in order to confirm the specifics of your current contact information, health status, and the identity of any legal guardian, executor,
trustee, or holder of a power of attorney.
Cambridge Investment Research, Inc.
Cambridge_ClientInformationandSuitabilityForm_101518.4 Page 9 of 10
Privacy Policy Rev. 05/11
FACTS WHAT DOES CAMBRIDGE DO WITH YOUR PERSONAL INFORMATION?
Why?
&ŝŶĂŶĐŝĂůĐŽŵƉĂŶŝĞƐĐŚŽŽƐĞŚŽǁƚŚĞLJƐŚĂƌĞLJŽƵƌƉĞƌƐŽŶĂůŝŶĨŽƌŵĂƟŽŶ͘&ĞĚĞƌĂůůĂǁŐŝǀĞƐĐŽŶƐƵŵĞƌƐƚŚĞƌŝŐŚƚ
ƚŽůŝŵŝƚƐŽŵĞďƵƚŶŽƚĂůůƐŚĂƌŝŶŐ͘&ĞĚĞƌĂůůĂǁĂůƐŽƌĞƋƵŝƌĞƐƵƐƚŽƚĞůůLJŽƵŚŽǁǁĞĐŽůůĞĐƚ͕ƐŚĂƌĞ͕ĂŶĚƉƌŽƚĞĐƚLJŽƵƌ
ƉĞƌƐŽŶĂůŝŶĨŽƌŵĂƟŽŶ͘WůĞĂƐĞƌĞĂĚƚŚŝƐŶŽƟĐĞĐĂƌĞĨƵůůLJƚŽƵŶĚĞƌƐƚĂŶĚǁŚĂƚǁĞĚŽ͘
What?
dŚĞƚLJƉĞƐŽĨƉĞƌƐŽŶĂůŝŶĨŽƌŵĂƟŽŶǁĞĐŽůůĞĐƚĂŶĚƐŚĂƌĞĚĞƉĞŶĚŽŶƚŚĞƉƌŽĚƵĐƚŽƌƐĞƌǀŝĐĞLJŽƵŚĂǀĞǁŝƚŚƵƐ͘dŚŝƐ
ĮŶĂŶĐŝĂůŝŶĨŽƌŵĂƟŽŶĐĂŶŝŶĐůƵĚĞ͕ďƵƚŝƐŶŽƚůŝŵŝƚĞĚƚŽ͕ƚŚĞĨŽůůŽǁŝŶŐ͗
Social Security Number
/ŶǀĞƐƚŵĞŶƚdžƉĞƌŝĞŶĐĞ
• Assets
• Account Numbers
• Income
ĐĐŽƵŶƚdƌĂŶƐĂĐƟŽŶƐ
ŽŶƚĂĐƚ/ŶĨŽƌŵĂƟŽŶ
• Account Balance
tŚĞŶLJŽƵĂƌĞŶŽůŽŶŐĞƌŽƵƌĐƵƐƚŽŵĞƌ͕ǁĞĐŽŶƟŶƵĞƚŽƐŚĂƌĞLJŽƵƌŝŶĨŽƌŵĂƟŽŶĂƐĚĞƐĐƌŝďĞĚŝŶƚŚŝƐŶŽƟĐĞ͘
How?
ůůĮŶĂŶĐŝĂůĐŽŵƉĂŶŝĞƐŶĞĞĚƚŽƐŚĂƌĞĐƵƐƚŽŵĞƌƐ͛ƉĞƌƐŽŶĂůŝŶĨŽƌŵĂƟŽŶƚŽƌƵŶƚŚĞŝƌĞǀĞƌLJĚĂLJďƵƐŝŶĞƐƐ͘/ŶƚŚĞ
ƐĞĐƟŽŶďĞůŽǁ͕ǁĞůŝƐƚƚŚĞƌĞĂƐŽŶƐĮŶĂŶĐŝĂůĐŽŵƉĂŶŝĞƐĐĂŶƐŚĂƌĞƚŚĞŝƌĐƵƐƚŽŵĞƌƐ͛ƉĞƌƐŽŶĂůŝŶĨŽƌŵĂƟŽŶ͕ƚŚĞ
ƌĞĂƐŽŶƐĂŵďƌŝĚŐĞĐŚŽŽƐĞƐƚŽƐŚĂƌĞ͕ĂŶĚǁŚĞƚŚĞƌLJŽƵĐĂŶůŝŵŝƚƚŚŝƐƐŚĂƌŝŶŐ͘
ZĞĂƐŽŶƐǁĞĐĂŶƐŚĂƌĞLJŽƵƌƉĞƌƐŽŶĂůŝŶĨŽƌŵĂƟŽŶ͗ Does Cambridge
Share?
Can you limit this
sharing?
For our everyday business purposes –
^ƵĐŚĂƐƚŽƉƌŽĐĞƐƐLJŽƵƌƚƌĂŶƐĂĐƟŽŶ͕ŵĂŝŶƚĂŝŶLJŽƵƌĂĐĐŽƵŶƚ;ƐͿ͕
ƌĞƐƉŽŶĚƚŽĐŽƵƌƚŽƌĚĞƌƐĂŶĚůĞŐĂůŝŶǀĞƐƟŐĂƟŽŶƐ͕ŽƌƌĞƉŽƌƚƚŽĐƌĞĚŝƚ
bureaus
Yes No
&ŽƌŽƵƌŵĂƌŬĞƟŶŐƉƵƌƉŽƐĞƐʹ
dŽŽīĞƌŽƵƌƉƌŽĚƵĐƚƐĂŶĚƐĞƌǀŝĐĞƐƚŽLJŽƵ
Yes No
&ŽƌũŽŝŶƚŵĂƌŬĞƟŶŐǁŝƚŚŽƚŚĞƌĮŶĂŶĐŝĂůĐŽŵƉĂŶŝĞƐ Yes No
&ŽƌŽƵƌĂĸůŝĂƚĞƐ͛ĞǀĞƌLJĚĂLJďƵƐŝŶĞƐƐƉƵƌƉŽƐĞƐʹ
/ŶĨŽƌŵĂƟŽŶĂďŽƵƚLJŽƵƌƚƌĂŶƐĂĐƟŽŶƐĂŶĚĞdžƉĞƌŝĞŶĐĞƐ
Yes No
&ŽƌŽƵƌĂĸůŝĂƚĞƐ͛ĞǀĞƌLJĚĂLJďƵƐŝŶĞƐƐƉƵƌƉŽƐĞƐʹ
/ŶĨŽƌŵĂƟŽŶĂďŽƵƚLJŽƵƌĐƌĞĚŝƚǁŽƌƚŚŝŶĞƐƐ
No tĞĚŽŶ͛ƚƐŚĂƌĞ
&ŽƌŶŽŶĂĸůŝĂƚĞƐƚŽŵĂƌŬĞƚƚŽLJŽƵʹ
KŶůLJŝĨLJŽƵƌĮŶĂŶĐŝĂůƉƌŽĨĞƐƐŝŽŶĂůůĞĂǀĞƐĂŵďƌŝĚŐĞ͕ƌĞƟƌĞƐŽƌƐĞůůƐ
ŚŝƐŽƌŚĞƌƉƌĂĐƟĐĞ
Yes Yes
To limit our sharing
ĂůůϴϬϬͲϳϳϳͲϲϬϴϬĂŶĚĂƐŬĨŽƌƚŚĞŽŵƉůŝĂŶĐĞĞƉĂƌƚŵĞŶƚ͘
WůĞĂƐĞŶŽƚĞ͗
If you are a newĐƵƐƚŽŵĞƌ͕ǁĞĐĂŶďĞŐŝŶƐŚĂƌŝŶŐŝŶĨŽƌŵĂƟŽŶϯϬĚĂLJƐĨƌŽŵƚŚĞĚĂƚĞǁĞƐĞŶƚƚŚŝƐ
ŶŽƟĐĞ͘tŚĞŶLJŽƵĂƌĞno longerŽƵƌĐƵƐƚŽŵĞƌ͕ǁĞĐŽŶƟŶƵĞƚŽƐŚĂƌĞLJŽƵƌŝŶĨŽƌŵĂƟŽŶĂƐĚĞƐĐƌŝďĞĚ
ŝŶƚŚŝƐŶŽƟĐĞ͘
,ŽǁĞǀĞƌ͕LJŽƵĐĂŶĐŽŶƚĂĐƚƵƐĂƚĂŶLJƟŵĞƚŽůŝŵŝƚŽƵƌƐŚĂƌŝŶŐ͘
YƵĞƐƟŽŶƐ͍
ĂůůϴϬϬͲϳϳϳͲϲϬϴϬĂŶĚĂƐŬĨŽƌƚŚĞŽŵƉůŝĂŶĐĞĞƉĂƌƚŵĞŶƚ͘
Cambridge Investment Research, Inc.
Cambridge_ClientInformationandSuitabilityForm_101518.4 Page 10 of 10
Privacy Policy Rev. 05/11
Who we are
Who is providing this
ŶŽƟĐĞ͍
dŚŝƐŶŽƟĐĞŝƐďĞŝŶŐƉƌŽǀŝĚĞĚŽŶďĞŚĂůĨŽĨĂŵďƌŝĚŐĞ/ŶǀĞƐƚŵĞŶƚZĞƐĞĂƌĐŚ͕/ŶĐ͘;͞ĂŵďƌŝĚŐĞ͟ͿĂŶĚŝƚƐ
ĸůŝĂƚĞƐ͕ĂŵďƌŝĚŐĞ/ŶǀĞƐƚŵĞŶƚZĞƐĞĂƌĐŚĚǀŝƐŽƌƐ͕/ŶĐ͕͘ŽŶƟŶƵŝƚLJWĂƌƚŶĞƌƐ'ƌŽƵƉ>>͕d^ŐĞŶĐLJ͕/ŶĐ͘
What we do
How does
Cambridge protect
my personal
ŝŶĨŽƌŵĂƟŽŶ͍
dŽƉƌŽƚĞĐƚLJŽƵƌƉĞƌƐŽŶĂůŝŶĨŽƌŵĂƟŽŶĨƌŽŵƵŶĂƵƚŚŽƌŝnjĞĚĂĐĐĞƐƐĂŶĚƵƐĞ͕ǁĞƵƐĞƐĞĐƵƌŝƚLJŵĞĂƐƵƌĞƐƚŚĂƚ
ĐŽŵƉůLJǁŝƚŚĨĞĚĞƌĂůůĂǁ͘dŚĞƐĞŵĞĂƐƵƌĞƐŝŶĐůƵĚĞĐŽŵƉƵƚĞƌƐĂĨĞŐƵĂƌĚƐĂŶĚƐĞĐƵƌĞĚĮůĞƐĂŶĚďƵŝůĚŝŶŐƐ͘
ĂŵďƌŝĚŐĞƚƌĂŝŶƐŝƚƐĂƐƐŽĐŝĂƚĞƐŽŶƚŚĞƉƌŽƉĞƌŚĂŶĚůŝŶŐŽĨƉĞƌƐŽŶĂůŝŶĨŽƌŵĂƟŽŶĂŶĚƌĞƋƵŝƌĞƐĐŽŵƉĂŶŝĞƐ
ƚŚĂƚŚĞůƉƉƌŽǀŝĚĞƐĞƌǀŝĐĞƐƚŽLJŽƵƚŽƉƌŽƚĞĐƚƚŚĞĐŽŶĮĚĞŶƟĂůůLJŽĨƉĞƌƐŽŶĂůŝŶĨŽƌŵĂƟŽŶƚŚĞLJƌĞĐĞŝǀĞ͘
How does
Cambridge collect
my personal
ŝŶĨŽƌŵĂƟŽŶ͍
tĞĐŽůůĞĐƚLJŽƵƌƉĞƌƐŽŶĂůŝŶĨŽƌŵĂƟŽŶ͕ĨŽƌĞdžĂŵƉůĞ͕ǁŚĞŶLJŽƵ͗
Open an account
ŝƌĞĐƚƵƐƚŽďƵLJƐĞĐƵƌŝƟĞƐ
'ŝǀĞƵƐLJŽƵƌĐŽŶƚĂĐƚŝŶĨŽƌŵĂƟŽŶ
^ĞĞŬĂĚǀŝĐĞĂďŽƵƚLJŽƵƌŝŶǀĞƐƚŵĞŶƚƐ
ŶƚĞƌŝŶƚŽĂŶŝŶǀĞƐƚŵĞŶƚĂĚǀŝƐŽƌLJĐŽŶƚƌĂĐƚ
tĞĂůƐŽĐŽůůĞĐƚLJŽƵƌƉĞƌƐŽŶĂůŝŶĨŽƌŵĂƟŽŶĨƌŽŵŽƚŚĞƌƐ͕ƐƵĐŚĂƐĐƌĞĚŝƚďƵƌĞĂƵƐ͕ĂĸůŝĂƚĞƐ͕ŽƌŽƚŚĞƌ
ĐŽŵƉĂŶŝĞƐ͘
tŚLJĐĂŶ͛ƚ/ůŝŵŝƚĂůů
sharing?
&ĞĚĞƌĂůůĂǁŐŝǀĞƐLJŽƵƚŚĞƌŝŐŚƚƚŽůŝŵŝƚŽŶůLJ͗
^ŚĂƌŝŶŐĨŽƌĂĸůŝĂƚĞƐ͛ĞǀĞƌLJĚĂLJďƵƐŝŶĞƐƐƉƵƌƉŽƐĞƐʹŝŶĨŽƌŵĂƟŽŶĂďŽƵƚLJŽƵƌĐƌĞĚŝƚǁŽƌƚŚŝŶĞƐƐ
ĸůŝĂƚĞƐĨƌŽŵƵƐŝŶŐLJŽƵƌŝŶĨŽƌŵĂƟŽŶƚŽŵĂƌŬĞƚƚŽLJŽƵ
^ŚĂƌŝŶŐĨŽƌŶŽŶĂĸůŝĂƚĞƐƚŽŵĂƌŬĞƚƚŽLJŽƵ
^ƚĂƚĞůĂǁƐĂŶĚŝŶĚŝǀŝĚƵĂůĐŽŵƉĂŶŝĞƐŵĂLJŐŝǀĞLJŽƵĂĚĚŝƟŽŶĂůƌŝŐŚƚƐƚŽůŝŵŝƚƐŚĂƌŝŶŐ͘^ĞĞďĞůŽǁĨŽƌŵŽƌĞŽŶ
LJŽƵƌƌŝŐŚƚƐƵŶĚĞƌƐƚĂƚĞůĂǁ͘
What happens when
/ůŝŵŝƚƐŚĂƌŝŶŐĨŽƌĂŶ
ĂĐĐŽƵŶƚ/ŚŽůĚũŽŝŶƚůLJ
with someone else?
zŽƵƌĐŚŽŝĐĞǁŝůůĂƉƉůLJƚŽĞǀĞƌLJŽŶĞŽŶLJŽƵƌĂĐĐŽƵŶƚʹƵŶůĞƐƐLJŽƵƚĞůůƵƐŽƚŚĞƌǁŝƐĞ͘
ĞĮŶŝƟŽŶƐ
ĸůŝĂƚĞƐ ŽŵƉĂŶŝĞƐƌĞůĂƚĞĚďLJĐŽŵŵŽŶŽǁŶĞƌƐŚŝƉŽƌĐŽŶƚƌŽů͘dŚĞLJĐĂŶďĞĮŶĂŶĐŝĂůĂŶĚŶŽŶĮŶĂŶĐŝĂůĐŽŵƉĂŶŝĞƐ͘
KƵƌĂĸůŝĂƚĞƐŝŶĐůƵĚĞĐŽŵƉĂŶŝĞƐǁŝƚŚĂĐŽŵŵŽŶĂŵďƌŝĚŐĞ/ŶǀĞƐƚŵĞŶƚZĞƐĞĂƌĐŚŶĂŵĞ͖ĮŶĂŶĐŝĂů
ŝŶƐƟƚƵƟŽŶƐƐƵĐŚĂƐd^ŐĞŶĐLJ͕/ŶĐ͘ĂŶĚŽŶƟŶƵŝƚLJWĂƌƚŶĞƌƐ'ƌŽƵƉ>>͖ĂŶĚŶŽŶĮŶĂŶĐŝĂůĐŽŵƉĂŶŝĞƐ
ƐƵĐŚĂƐĂŵďƌŝĚŐĞ/ŶǀĞƐƚŵĞŶƚ'ƌŽƵƉ͕/ŶĐ͕͘ŽŶƟŶƵŝƚLJDĂŶĂŐĞŵĞŶƚŽƵƉ͕>>ĂŶĚŶĞƌŝĐWĞƚƌŽůĞƵŵ
ŽƌƉŽƌĂƟŽŶ͘
EŽŶĂĸůŝĂƚĞƐ ŽŵƉĂŶŝĞƐŶŽƚƌĞůĂƚĞĚďLJĐŽŵŵŽŶŽǁŶĞƌƐŚŝƉŽƌĐŽŶƚƌŽů͘dŚĞLJĐĂŶďĞĮŶĂŶĐŝĂůĂŶĚŶŽŶĮŶĂŶĐŝĂů
ĐŽŵƉĂŶŝĞƐ͘
EŽŶĂĸůŝĂƚĞƐǁĞƐŚĂƌĞǁŝƚŚĐĂŶŝŶĐůƵĚĞLJŽƵƌĮŶĂŶĐŝĂůƉƌŽĨĞƐƐŝŽŶĂů͛ƐĐŽŵƉĂŶLJĂŶĚŝŶǀĞƐƚŵĞŶƚĂĚǀŝƐĞƌ
Įƌŵ͕LJŽƵƌĮŶĂŶĐŝĂůƉƌŽĨĞƐƐŝŽŶĂů͛ƐŶĞǁďƌŽŬĞƌͲĚĞĂůĞƌĂŶĚŝŶǀĞƐƚŵĞŶƚĂĚǀŝƐĞƌĮƌŵŝĨLJŽƵƌĮŶĂŶĐŝĂů
ƉƌŽĨĞƐƐŝŽŶĂůĐŚŽŽƐĞƐƚŽůĞĂǀĞĂŵďƌŝĚŐĞ͕ĂŶĚŽƚŚĞƌďƌŽŬĞƌͲĚĞĂůĞƌƐĂŶĚŝŶǀĞƐƚŵĞŶƚĂĚǀŝƐĞƌĮƌŵƐ
ĚĞƐŝŐŶĂƚĞĚďLJLJŽƵƌĮŶĂŶĐŝĂůƉƌŽĨĞƐƐŝŽŶĂůŝĨŚĞŽƌƐŚĞůĞĂǀĞƐĂŵďƌŝĚŐĞ͕ƌĞƟƌĞƐ͕ŽƌƐĞůůƐŚŝƐŽƌŚĞƌ
ƉƌĂĐƟĐĞ͘
:ŽŝŶƚDĂƌŬĞƟŶŐ ĨŽƌŵĂůĂŐƌĞĞŵĞŶƚďĞƚǁĞĞŶŶŽŶĂĸůŝĂƚĞĚĮŶĂŶĐŝĂůĐŽŵƉĂŶŝĞƐƚŚĂƚƚŽŐĞƚŚĞƌŵĂƌŬĞƚĮŶĂŶĐŝĂůƉƌŽĚƵĐƚƐŽƌ
ƐĞƌǀŝĐĞƐƚŽLJŽƵ͘
KƵƌũŽŝŶƚŵĂƌŬĞƟŶŐƉĂƌƚŶĞƌƐŝŶĐůƵĚĞďĂŶŬƐ͕ĐƌĞĚŝƚƵŶŝŽŶƐ͕ƌĞƟƌĞŵĞŶƚƉůĂŶƐ͕ĂŶĚŽƚŚĞƌĮŶĂŶĐŝĂů
ŝŶƐƟƚƵƟŽŶƉƌŽŐƌĂŵƐ͘
KƚŚĞƌŝŵƉŽƌƚĂŶƚŝŶĨŽƌŵĂƟŽŶ
tĞĂůƐŽĐŽŵƉůLJǁŝƚŚŵŽƌĞƌĞƐƚƌŝĐƟǀĞƐƚĂƚĞůĂǁƐƚŽƚŚĞĞdžƚĞŶƚƚŚĂƚƚŚĞLJĂƉƉůLJ͘&ŽƌĞdžĂŵƉůĞ͕ŝĨLJŽƵƌĞƐŝĚĞŝŶsĞƌŵŽŶƚŽƌ
ĂůŝĨŽƌŶŝĂ͕ǁĞǁŝůůĂƵƚŽŵĂƟĐĂůůLJŽƉƚLJŽƵŽƵƚŽĨƐŚĂƌŝŶŐLJŽƵƌŝŶĨŽƌŵĂƟŽŶǁŝƚŚŶŽŶĂĸůŝĂƚĞƐĨŽƌŵĂƌŬĞƟŶŐƉƵƌƉŽƐĞƐƵŶůĞƐƐLJŽƵ
ŚĂǀĞƉƌŽǀŝĚĞĚĂŵďƌŝĚŐĞǁŝƚŚǁƌŝƩĞŶĂƵƚŚŽƌŝnjĂƟŽŶƚŽŽƉƚLJŽƵŝŶƚŽƐƵĐŚƐŚĂƌŝŶŐ͘