We may, in our sole and absolute discretion, make loans to you for the purpose of purchasing, carrying or trading in securities, options or other property (“Margin Loans”). Margin Loans will be made in a “Margin Account.” You agree that you are solely responsible for determining whether margin is appropriate for you in light of your financial resources, objectives and other relevant circumstances. You understand and agree that Scottrade will not make this determination on your behalf. Subject to regulatory requirements, the minimum and maximum amount of any particular Margin Loan may be established by us at our discretion regardless of the amount of collateral delivered to us, and we may change such minimum and maximum amounts.