3.2.1. 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 to anyone else, including the spouse of the account owner.
The owner 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:
1. Limited trading authority allows a third party to trade in the account, but the third party cannot make withdrawals.
2. Full trading a