ena refer to tho Appendix to this Account Agreement. 20. Recording Conversations. Client consents to DBSI recording any or all telepnone calls with Clisnt. 21. Joint Accounts. a. Unless Clients specify 'tenants in common' or 'community property,' Clients authorize DBSI to designate a joint account as

ena refer to tho Appendix to this Account Agreement. 20. Recording Conversations. Client consents to DBSI recording any or all telepnone calls with Clisnt. 21. Joint Accounts. a. Unless Clients specify 'tenants in common' or 'community property,' Clients authorize DBSI to designate a joint account as