s arbitration procedures or an exchange of which DBSI is a member in accordance with the rules of that particular regulatory agency then In effect. Clierit may elect in the first instance whether arbitration shall be by FINRA or a specific national securities exchange of which DEISI is a member, but fai

nor Pershing shall be responsible to Client for any additional taxes or other costs Client incurs for receipt of such payments intieu of dividends. Clierit also agrees to consult with Client's tax adviser if Client has any questions relating to payments in lieu of dividends. 13. Additional Risks. The u