# Community Property Account Agreement

  We certify that we are husband and wife and are legal residents of the State
of `communityPropertyState`

  In consideration of opening our Community Property Account with you, we
jointly and severally agree to the following conditions.

  We agree that each of us shall have authority on behalf of the Community
Property Account to buy, sell (including short sales), and otherwise deal in,
through you as broker, stocks, bonds and other securities and commodities, on
margin or otherwise; to receive on behalf of the Community Property Account
demands, notices, confirmations, reports, statements of account and
communications of every kind; to receive on behalf of the Community Property
Account money, securities and property of every kind and to dispose of same; to
make on behalf of the Community Property Account agreements relating to any of
the foregoing matters and to terminate or modify same or waive any of the
provisions thereof; and generally to deal with you on behalf of the Community
Property Account as fully and completely as if one alone were interested in
said account, all without notice to the other or others interested in said
account. You are authorized to follow the instructions of any of the
undersigned in every respect concerning the Community Property Account and to
make deliveries to any of the undersigned, or upon his instructions, of any or
all securities in the Community Property Account, and to make payments to any
of the undersigned, or upon his order, of any or all monies at any time or from
time to time in the Community Property Account as he may order and direct, even
if such deliveries and/or payments shall be made to him personally, and not for
the Community Property Account.  In the event of any such deliveries of
securities or payments of monies to any of the undersigned as aforesaid, you
shall be under no duty or obligation to inquire into the purpose or propriety
of any such demand for delivery of securities or payment of monies and you
shall not be bound to see to the application or disposition of the said
securities and/or monies so delivered or paid to any of the undersigned or upon
his order. The authority hereby conferred shall remain in force until written
notice of the revocation addressed to you is received by you.

  Our liability with respect to said account shall be joint and several. We
further agree that all property you may at any time be holding or carrying for
one or more of the undersigned shall be subject to a lien in your  favor for
the discharge of the obligations of the joint account to you, such lien to be
in addition and not in substitution of the rights and remedies you otherwise
would have, and further agree jointly and severally to indemnify and hold you
harmless with respect to any liability (including counsel fees) which may be
incurred by you to either of the undersigned or to their heirs or personal
representatives for acting pursuant to the authority granted herein.

  You shall title all property placed in the account and the proceeds thereof
as community property; such designation is intended only for the convenience of
the parties and is not In any way intended to change the substantive status of
the ownership of the property or the proceeds thereof.  You are authorized to
receive into the Account any funds, securities, or other property delivered to
you by or for either of us without delineation as to actual ownership of the
property.

  It is further agreed that in the event of the death of either or any of the
undersigned, the survivor or survivors shall immediately give you written
notice thereof, and you may, before or after receiving such notice, take such
proceeding, require such papers and inheritance or estate tax waivers, retain
such portion and/or restrict transactions in the account as you may deem
advisable to protect you against any tax, liability, penalty or loss under any
present or future laws or otherwise. The estate of any of the undersigned who
shall have died shall be liable and each survivor shall continue liable jointly
and severally, to you for any net debit balance or loss in said account in any
way resulting from the completion of transactions initiated prior to the
receipt by you of the written notice of the death of the decedent or incurred
in the liquidation of the account or the adjustment of the interests of the
respective parties.

  We understand that you have entered into a fully disclosed clearing agreement
with Apex Clearing Corporation  (Clearing  Firm)  pursuant  to  which
Clearing  Firm  may  perform  certain  transaction  processing, clearing,
custodial, and financing functions for you with respect to the Account.   We
understand that Clearing Firm does not control, audit, or otherwise supervise
your activities, does not verify information we provide to you regarding  the
Account  or  transactions  processed  for  the  Account,  and  does  not
undertake  responsibility  for reviewing the appropriateness of transactions
entered by you on our behalf.  We agree that you are not an agent of Clearing
Firm, that Clearing Firm is not your agent, and that we will in no way hold
Clearing Firm, or its officers, directors, employees and agents liable for any
trading losses that we may incur.  We agree that Clearing Firm is a beneficiary
of our representations, warranties, acknowledgments, and covenants in this
agreement (including, without limitation, our authorizations, indemnifications,
waivers, and releases) to the same extent as if they were made directly by us
to Clearing Firm.  And we agree that Clearing Firm, in its own name and for its
own benefit, shall be entitled to exercise and enforce directly against us such
provisions and all other rights granted to you.

  Subject to provisions hereof, all notices or communications for the
undersigned in respect of the joint account are to be directed to the mailing
address as provided on the new account application.

  This document is not subject to any oral modification; the signing of this
agreement revokes any and all other Community Property Account Agreements made
with you or any of your predecessors, successors or assigns, and is binding
upon each of our heirs, successors and assigns, and continues until revoked by
any party.

  * Applicant Signature: `signature`
  * Joint Applicant Signature: `jointSignature`