By signing an investment advisory agreement, our clients—that include individuals, non‐profit and religious organizations, corporations, pension plans, and insurance companies—appoint Runnymede as their investment advisor. Runnymede is authorized by limited power of attorney to trade on their behalf—this is referred to as a fully discretionary account—but important account functions such as cash withdrawals, change of beneficiary or other major account actions are only available to the account holder.