Individual Accounts
Most accounts will be opened by individuals and will be plain vanilla accounts. Individuals must fill out a new account form to open an account. An individual account has only one owner. A representative may not give account information for an individual account to anyone else, including the spouse of the account owner.
The owner of an individual account is the only one who can trade in the account unless third-party trading authorization has been granted. There are three kinds of third-party trading authorization:
• Limited trading authority allows a third party to trade in the account, but the third party cannot make withdrawals.
• Full trading authority gives a th