costs and expenses relating to or arising from ATM Capital ’s reliance on such instructions, including any improper, unauthorized or fraudulent instructions by the Representatives, except in cases of gross negligence or willful misconduct by ATM Capital . Unless expressly stated otherwise in writing, all transactions entered into between ATM Capital and Customer shall be governed by the terms of this Agreement, as amended from time to time (including, without limitation, ATM Capital ’s Risk Disclosure. Finally, I confirm that I am aged 18 years or over and that the information provided by me in this application is accurate and correct.Disclosures and Trading Policies and Procedures).