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CHANDLER <br />ASSET MANAGEMENT <br />18. Receipt of Brochure and Privacy PolicX. Client hereby acknowledges receipt of the disclosure <br />statement or "brochure" and "brochure supplement" also known as Part 2A and Part 2B of Form <br />ADV, required to be delivered pursuant to Rule 204-3 of the Investment Advisers Act of 1940 <br />(Brochure). Client further acknowledges receipt of Chandler's Privacy Policy, as required by <br />Regulation S-P. <br />19. Arbitration. It is agreed that any controversy between Chandler and the Client arising out of <br />Chandler business or this Agreement, shall be submitted to arbitration conducted under the <br />provisions of the commercial arbitration rules of the American Arbitration Association. Arbitration <br />must be commenced by service upon the other party of a written demand for arbitration or a written <br />notice of intention to arbitrate, therein electing the arbitration tribunal. In the event the Client does <br />not make such election within five (5) days of such demand or notice, then the Client authorizes <br />Chandler to do so on the Client's behalf. Judgment upon any award rendered by the arbitrators shall <br />be final and may be entered in any court having jurisdiction thereof. This clause does not constitute a <br />waiver of any right including the right to choose the forum, whether arbitration or adjudication, in <br />which to seek resolution of disputes. <br />Client <br />IRE <br />Name & Title: <br />Chandler Asset Management, Inc., <br />a California Corporation <br />IC <br />Nicole Dragoo <br />President <br />Date <br />Date <br />23 <br />