The following terms and conditions apply between us as a firm and you as the client:
If there is more than one person comprising the client, each person is jointly and severally liable for payment in due time of all the firm’s accounts and other charges, such as those under clauses 11 and 13.
If there is more than one person comprising the client the firm is entitled to act on the individual instructions of one of you as to where transfers of or payments from your funds are to be made. You each hereby jointly and severally instruct and authorise the firm to make transfers or payments on such basis. Any variation to this authority must be communicated in writing by you to the firm.