Common use of Fees and Charges Clause in Contracts

Fees and Charges. The Custodian reserves the right to charge fees for performing its duties and meeting its obligations under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor 30 days’ written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes that the Custodian may receive compensation from other parties. The Depositor agrees to pay the Custodian a reasonable hourly charge for distribution from, transfers from, and terminations of this IRA. The Depositor agrees to pay any expenses incurred by the Custodian in the performance of its duties in connection with this Custodial Account. Such expenses include, but are not limited to, administrative expenses, such as legal and accounting fees, and any taxes of any kind that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to the Custodial Account shall be collected either from the assets in the Custodial Account or from any contributions to or distributions from such Custodial Account if not paid by the Depositor. The Depositor shall be responsible for any deficiency. In the event that for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRA, the Custodian reserves the right to withhold any payment from the IRA, to request a court ruling to determine the disposition of the IRA assets, and to charge the IRA for any expenses incurred in obtaining such legal determination.

Fees and Charges. The Custodian reserves the right to charge fees shall receive compensation for performing its duties and meeting its obligations services under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's ’s fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor Account Owner 30 days’ days advance written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes Account Owner acknowledges that the Custodian or its affiliates may receive compensation from other parties. The Depositor agrees to pay In addition, the Custodian a or its affiliates will retain any earnings credited on any funds in the Account pending investment direction and pending distribution as part of its compensation for services provided. The Custodian will also be entitled to reimbursement for all reasonable hourly charge for distribution fromand necessary costs, transfers fromexpenses, and terminations of this IRA. The Depositor agrees to pay any expenses disbursements incurred by the Custodian it in the performance of its duties in connection with this Custodial Accountsuch services, including, without limitation, attorneys’ fees. Such expenses include, but are not limited to, administrative expenses, such as legal compensation and accounting fees, reimbursements shall be a charge against and any taxes of any kind that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to withdrawn by the Custodian from the Custodial Account shall be collected either from within a reasonable time, as specified by the Custodian. Any brokerage commissions attributable to transactions with the assets in the Custodial Account will be charged to the Custodial Account. The Account Owner may not reimburse his or her HSA for those commissions. In addition, any fees payable to the Authorized Agent may be paid from the assets of the Custodial Account, and the Custodian shall be fully protected in making any contributions such payments to or distributions at the direction of the Authorized Agent based upon Instructions from such Custodial the Authorized Agent or the Account if not paid by Owner, without the Depositor. The Depositor shall be responsible need for any deficiencyinquiry regarding same. To the extent not prohibited by law, Account Owner authorizes Custodian to Rev. 05/2016 PAGE | 7 liquidate and transfer the cash proceeds of any investment Account Owner has selected for his or her HSA in the event that a negative cash balance exists in the HSA for more than 10 business days. Custodian will notify Account Owner of the negative cash balance to give Account Owner the opportunity to make additional contributions, if allowable, or to sell the investments of Account Owner’s choice to resolve the negative cash balance. If the negative balance is not corrected within a reasonable time after Custodian notifies Account Owner, Custodian may liquidate any of the HSA investments, at its discretion, to the extent necessary to bring Account Owner’s balance to a positive amount. In the event that liquidating all of Account Owner’s HSA investments is not sufficient to resolve the negative balance, Account Owner will be responsible for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRA, the Custodian reserves the right to withhold any payment from the IRA, to request a court ruling to determine the disposition of the IRA assets, and to charge the IRA for any expenses incurred in obtaining such legal determinationremaining deficiency.

Fees and Charges. The Custodian reserves the right to charge fees shall receive compensation for performing its duties and meeting its obligations services under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's ’s fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor Account Owner 30 days’ days advance written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes Account Owner acknowledges that the Custodian or its affiliates may receive compensation from other parties. The Depositor agrees to pay In addition, the Custodian a or its affiliates will retain any earnings credited on any funds in the Account pending investment direction and pending distribution as part of its compensation for services provided. The Custodian will also be entitled to reimbursement for all reasonable hourly charge for distribution fromand necessary costs, transfers fromexpenses, and terminations of this IRA. The Depositor agrees to pay any expenses disbursements incurred by the Custodian it in the performance of its duties in connection with this Custodial Accountsuch services, including, without limitation, attorneys’ fees. Such expenses include, but are not limited to, administrative expenses, such as legal compensation and accounting fees, reimbursements shall be a charge against and any taxes of any kind that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to withdrawn by the Custodian from the Custodial Account shall be collected either from within a reasonable time, as specified by the Custodian. Any brokerage commissions attributable to transactions with the assets in the Custodial Account or from any contributions HSA will be charged to or distributions from such Custodial Account if not paid by the DepositorHSA. The Depositor shall be responsible Account Owner may not reimburse his or her HSA for those commissions. To the extent not prohibited by law, Account Owner authorizes Custodian to liquidate and transfer the cash proceeds of any deficiencyinvestment Account Owner has selected for his or her HSA in the event that a negative cash balance exists in the HSA for more than 10 business days. Custodian will notify Account Owner of the negative cash balance to give Account Owner the opportunity to make additional contributions, if allowable, or to sell the investments of Account Owner’s choice to resolve the negative cash balance. If the negative balance is not corrected within a reasonable time after Custodian notifies Account Owner, Custodian may liquidate any of the HSA investments, at its discretion, to the extent necessary to bring Account Owner’s balance to a positive amount. In the event that liquidating all of Account Owner’s HSA investments is not sufficient to resolve the negative balance, Account Owner will be responsible for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRA, the Custodian reserves the right to withhold any payment from the IRA, to request a court ruling to determine the disposition of the IRA assets, and to charge the IRA for any expenses incurred in obtaining such legal determination.remaining deficiency. Rev. 11/2015 PAGE | 7

Fees and Charges. The Custodian reserves the right to charge fees for performing its duties and meeting its obligations under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor 30 days’ written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes that the Custodian may receive compensation from other parties. The Depositor agrees to pay the Custodian a reasonable hourly charge for distribution from, transfers from, and terminations of this IRA. The Depositor agrees to pay any expenses incurred by the Custodian in the performance of its duties in connection with this Custodial Account. Such expenses include, but are not limited to, administrative expenses, such as legal and accounting fees, and any taxes of any kind whatsoever that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to the Custodial Account shall be collected either from the assets in the Custodial Account or from any contributions to or distributions from such Custodial Account if not paid by the Depositor. The , but the Depositor shall be responsible for any deficiency. In the event that for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRA, the Custodian reserves the right to withhold any payment from the IRA, to request a court ruling to determine the disposition of the IRA assets, and to charge the IRA for any expenses incurred in obtaining such legal determination.

Fees and Charges. The Custodian reserves the right to charge fees for performing its duties and meeting its obligations under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor 30 days’ written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes that the Custodian may receive compensation from other parties. The Depositor agrees to pay the Custodian a reasonable hourly charge for distribution from, transfers from, and terminations of this IRA. The Depositor agrees to pay any expenses incurred by the Custodian in the performance of its duties in connection with this Custodial Account. Such expenses include, but are not limited to, administrative expenses, such as legal and accounting fees, and any taxes of any kind whatsoever that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to the Custodial Account shall be collected either from the assets in the Custodial Account or from any contributions to or distributions from such Custodial Account if not paid by the Depositor. The , but the Depositor shall be responsible for any deficiency. In the event that for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRA, the Custodian reserves the right to withhold any payment from the IRA, to request a court ruling to determine the disposition of the IRA assets, and to charge the IRA for any expenses incurred in obtaining such legal determination.

Fees and Charges. The Custodian reserves the right to charge fees for performing its duties and meeting its obligations under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor 30 days’ written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes that the Custodian may receive compensation from other parties. The Depositor agrees to pay the Custodian a reasonable hourly charge for distribution from, transfers from, and terminations of this IRA. The Depositor agrees to pay any expenses incurred by the Custodian in the performance of its duties in connection with this Custodial Account. Such expenses include, but are not limited to, administrative expenses, such as legal and accounting fees, and any taxes of any kind that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to the Custodial Account shall be collected either from the assets in the Custodial Account or from any contributions to or distributions from such Custodial Account if not paid by the Depositor. The Depositor shall be responsible for any deficiency. In the event that for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRA, the Custodian reserves the right to withhold any payment from the IRA, to request a court ruling to determine the disposition of the IRA assets, and to charge the IRA for any expenses incurred in obtaining such legal determination.

Fees and Charges. The Custodian reserves the right to charge fees shall receive compensation for performing its duties and meeting its obligations services under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's ’s fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor Account Owner 30 days’ days advance written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes Account Owner acknowledges that the Custodian or its affiliates may receive compensation from other parties. The Depositor agrees to pay In addition, the Custodian a or its affiliates will retain any earnings credited on any funds in the Account pending investment direction and pending distribution as part of its compensation for services provided. The Custodian will also be entitled to reimbursement for all reasonable hourly charge for distribution fromand necessary costs, transfers fromexpenses, and terminations of this IRA. The Depositor agrees to pay any expenses disbursements incurred by the Custodian it in the performance of its duties in connection with this Custodial Accountsuch services, including, without limitation, attorneys’ fees. Such expenses include, but are not limited to, administrative expenses, such as legal compensation and accounting fees, reimbursements shall be a charge against and any taxes of any kind that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to withdrawn by the Custodian from the Custodial Account shall be collected either from within a reasonable time, as specified by the Custodian. Any brokerage commissions attributable to transactions with the assets in the Custodial Account or from any contributions HSA will be charged to or distributions from such Custodial Account if not paid by the DepositorHSA. The Depositor shall be responsible Account Owner may not reimburse his or her HSA for those commissions. To the extent not prohibited by law, Account Owner authorizes Custodian to liquidate and transfer the cash proceeds of any deficiencyinvestment Account Owner has selected for his or her HSA in the event that a negative cash balance exists in the HSA for more than 10 business days. Custodian will notify Account Owner of the negative cash balance to give Account Owner the opportunity to make additional contributions, if allowable, or to sell the investments of Account Owner’s choice to resolve the negative cash balance. If the negative balance is not corrected within a reasonable time after Custodian notifies Account Owner, Custodian may liquidate any of the HSA investments, at its discretion, to the extent necessary to bring Account Owner’s balance to a positive amount. In the event that liquidating all of Account Owner’s HSA investments is not sufficient to resolve the negative balance, Account Owner will be responsible for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRA, the Custodian reserves the right to withhold any payment from the IRA, to request a court ruling to determine the disposition of the IRA assets, and to charge the IRA for any expenses incurred in obtaining such legal determinationremaining deficiency.

Fees and Charges. The Custodian reserves the right to charge fees shall receive compensation for performing its duties and meeting its obligations services under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's ’s fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor Account Owner 30 days’ days advance written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes Account Owner acknowledges that the Custodian or its affiliates may receive compensation from other parties. The Depositor agrees to pay In addition, the Custodian a or its affiliates will retain any earnings credited on any funds in the Account pending investment direction and pending distribution as part of its compensation for services provided. The Custodian will also be entitled to reimbursement for all reasonable hourly charge for distribution fromand necessary costs, transfers fromexpenses, and terminations of this IRA. The Depositor agrees to pay any expenses disbursements incurred by the Custodian it in the performance of its duties in connection with this Custodial Accountsuch services, including, without limitation, attorneys’ fees. Such expenses include, but are not limited to, administrative expenses, such as legal compensation and accounting fees, reimbursements shall be a charge against and any taxes of any kind that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to withdrawn by the Custodian from the Custodial Account shall be collected either from within a reasonable time, as specified by the Custodian. Any brokerage commissions attributable to transactions with the assets in the Custodial Account will be charged to the Custodial Account. The Account Owner may not reimburse his or her HSA for those commissions. In addition, any fees payable to the Authorized Agent may be paid from the assets of the Custodial Account, and the Custodian shall be fully protected in making any contributions such payments to or distributions at the direction of the Authorized Agent based upon Instructions from such Custodial the Authorized Agent or the Account if not paid by Owner, without the Depositor. The Depositor shall be responsible need for any deficiencyinquiry regarding same. To the extent not prohibited by law, Account Owner authorizes Custodian to liquidate and transfer the cash proceeds of any investment Account Owner has selected for his or her HSA in the event that a negative cash balance exists in the HSA for more than 10 business days. Custodian will notify Account Owner of the negative cash balance to give Account Owner the opportunity to make additional contributions, if allowable, or to sell the investments of Account Owner’s choice to resolve the negative cash balance. If the negative balance is not corrected within a reasonable time after Custodian notifies Account Owner, Custodian may liquidate any of the HSA investments, at its discretion, to the extent necessary to bring Account Owner’s balance to a positive amount. In the event that liquidating all of Account Owner’s HSA investments is not sufficient to resolve the negative balance, Account Owner will be responsible for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRA, the Custodian reserves the right to withhold any payment from the IRA, to request a court ruling to determine the disposition of the IRA assets, and to charge the IRA for any expenses incurred in obtaining such legal determinationremaining deficiency.

Fees and Charges. The Custodian reserves the right to charge fees for performing its duties and meeting its obligations under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor 30 days’ written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes that the Custodian may receive compensation from other parties. The Depositor agrees to pay the Custodian a reasonable hourly charge for distribution from, transfers from, and terminations of this IRA. The Depositor agrees to pay any expenses incurred by the Custodian in the performance of its duties in connection with this the Custodial Account. Such expenses include, but are not limited to, administrative expenses, such as legal and accounting fees, and any taxes of any kind whatsoever that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to the Custodial Account shall be collected either from the assets in the Custodial Account or from any contributions to or distributions from such Custodial Account if not paid by the Depositor. The , but the Depositor shall be responsible for any deficiency. In the event that for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRA, the Custodian reserves the right to withhold any payment from the IRA, to request a court ruling to determine the disposition of the IRA assets, and to charge the IRA for any expenses incurred in obtaining such legal determination.

Fees and Charges. The Custodian reserves the right to charge fees for performing its duties and meeting its obligations under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor 30 days’ days written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes that the Custodian may receive compensation from other parties. The Depositor agrees to pay the Custodian a reasonable hourly charge for distribution from, transfers from, and terminations of this IRAXXX. The Depositor agrees to pay any expenses incurred by the Custodian in the performance of its duties in connection with this the Custodial Account. Such expenses include, but are not limited to, administrative expenses, such as legal and accounting fees, and any taxes of any kind whatsoever that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to the Custodial Account shall be collected either from the assets in the Custodial Account or from any contributions to or distributions from such Custodial Account if not paid by the Depositor. The , but the Depositor shall be responsible for any deficiency. In the event that for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRAXXX, the Custodian reserves the right to withhold any payment from the IRAXXX, to request a court ruling to determine the disposition of the IRA XXX assets, and to charge the IRA XXX for any expenses incurred in obtaining such legal determination.

Fees and Charges. The Custodian reserves the right to charge fees for performing its duties and meeting its obligations under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor 30 days’ days written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes that the Custodian may receive compensation from other parties. The Depositor agrees to pay the Custodian a reasonable hourly charge for distribution from, transfers from, and terminations of this IRA. The Depositor agrees to pay any expenses incurred by the Custodian in the performance of its duties in connection with this the Custodial Account. Such expenses include, but are not limited to, administrative expenses, such as legal and accounting fees, and any taxes of any kind whatsoever that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to the Custodial Account shall be collected either from the assets in the Custodial Account or from any contributions to or distributions from such Custodial Account if not paid by the Depositor. The , but the Depositor shall be responsible for any deficiency. In the event that for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRA, the Custodian reserves the right to withhold any payment from the IRA, to request a court ruling to determine the disposition of the IRA assets, and to charge the IRA for any expenses incurred in obtaining such legal determination.

Fees and Charges. The Custodian reserves the right to charge fees for performing its duties and meeting its obligations under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor 30 days’ days written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes that the Custodian may receive compensation from other parties. The Depositor agrees to pay the Custodian a reasonable hourly charge for distribution from, transfers from, and terminations of this IRAXXX. The Depositor agrees to pay any expenses incurred by the Custodian in the performance of its duties in connection with this the Custodial Account. Such expenses include, but are not limited to, administrative expenses, such as legal and accounting fees, and any taxes of any kind whatsoever that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to the Custodial Account shall be collected either from the assets in the Custodial Account or from any contributions to or distributions from such Custodial Account if not paid by the Depositor. The , but the Depositor shall be responsible for any deficiency. In the event that for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRAXXX, the Custodian reserves the right to withhold any payment from the IRAXXX, to request a court ruling to determine the disposition of the IRA XXX assets, and to charge the IRA XXX for any expenses incurred in obtaining such legal determination.

Fees and Charges. The Custodian reserves the right to charge fees for performing its duties and meeting its obligations under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor 30 days’ days written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes that the Custodian may receive compensation from other parties. The Depositor agrees to pay the Custodian a reasonable hourly charge for distribution from, transfers from, and terminations of this IRA. The Depositor agrees to pay any expenses incurred by the Custodian in the performance of its duties in connection with this the Custodial Account. Such expenses include, but are not limited to, administrative expenses, such as legal and accounting fees, and any taxes of any kind whatsoever that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to the Custodial Account shall be collected either from the assets in the Custodial Account or from any contributions to or distributions from such Custodial Account if not paid by the Depositor. The , but the Depositor shall be responsible for any deficiency. In the event that for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRA, the Custodian reserves the right to withhold any payment from the IRA, to request a court ruling to determine the disposition of the IRA assets, and to charge the IRA for any expenses incurred in obtaining such legal determination.

Fees and Charges. The Custodian reserves the right to charge fees for performing its duties and meeting its obligations under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor 30 days’ written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes that the Custodian may receive compensation from other parties. The Depositor agrees to pay the Custodian a reasonable hourly charge for distribution from, transfers from, and terminations of this IRA. The Depositor agrees to pay any expenses incurred by the Custodian in the performance of its duties in connection with this the Custodial Account. Such expenses include, but are not limited to, administrative expenses, such as legal and accounting fees, and any taxes of any kind whatsoever that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to the Custodial Account shall be collected either from the assets in the Custodial Account or from any contributions to or distributions from such Custodial Account if not paid by the Depositor. The , but the Depositor shall be responsible for any deficiency. In the event that for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRA, the Custodian reserves the right to withhold any payment from the IRA, to request a court ruling to determine the disposition of the IRA assets, and to charge the IRA for any expenses incurred in obtaining such legal determination.

Fees and Charges. The Custodian reserves the right to charge fees for performing its duties and meeting its obligations under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor 30 days’ written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes that the Custodian may receive compensation from other parties. The Depositor agrees to pay the Custodian a reasonable hourly charge for distribution from, transfers from, and terminations of this IRAXXX. The Depositor agrees to pay any expenses incurred by the Custodian in the performance of its duties in connection with this Custodial AccountAgreement. Such expenses include, but are not limited to, administrative expenses, such as legal and accounting fees, and any taxes of any kind whatsoever that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to the Custodial Account shall be collected either from the assets in the Custodial Account or from any contributions to or distributions from such Custodial Account if not paid by the Depositor. The , but the Depositor shall be responsible for any deficiency. In the event that for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRAXXX, the Custodian reserves the right to withhold any payment from the IRAXXX, to request a court ruling to determine the disposition of the IRA XXX assets, and to charge the IRA XXX for any expenses incurred in obtaining such legal determination.

Fees and Charges. The Custodian reserves the right to charge fees for performing its duties and meeting its obligations under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's ’s fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor 30 days’ written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes that the Custodian may receive compensation from other parties. The Depositor agrees to pay the Custodian a reasonable hourly charge for distribution from, transfers from, and terminations of this IRA. The Depositor agrees to pay any expenses incurred by the Custodian in the performance of its duties in connection with this Custodial hourlychargefordistributionfrom,transfersfrom,andterminationsofthisIRA.TheDepositoragreestopayanyexpensesincurredbytheCustodianintheperformanceofitsdutiesinconnectionwiththisCustodial Account. Such expenses include, but are not limited to, administrative expenses, such as legal and accounting fees, and any taxes of any kind that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to the Custodial Account shall be collected either from the assets in the Custodial Account or from any contributions to or distributions from such Custodial Account if not paid by the Depositor. The Depositor shall be responsible for any deficiency. In the event that for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRA, the Custodian reserves the right to withhold any payment from the IRA, to request a court ruling to determine the disposition of the IRA assets, and to charge the IRA for any expenses incurred in obtaining such legal determination.

Fees and Charges. The Custodian reserves the right to charge fees for performing its duties and meeting its obligations under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor 30 days’ written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes that the Custodian may receive compensation from other parties. The Depositor agrees to pay the Custodian a reasonable hourly charge for distribution from, transfers from, and terminations of this IRA. The Depositor agrees to pay any expenses incurred by the Custodian in the performance of its duties in connection with this Custodial Account. Such expenses include, but are not limited to, administrative expenses, such as legal and accounting fees, and any taxes of any kind that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to the Custodial Account shall be collected either from the assets in the Custodial Account or from any contributions to or distributions from such Custodial Account if not paid by the Depositor. The Depositor shall be responsible for any deficiency. In the event that for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRA, the Custodian reserves the right to withhold any payment from the IRA, to request a court ruling to determine the disposition of the IRA assets, and to charge the IRA for any expenses incurred in obtaining such legal determinationlegaldetermination.

Fees and Charges. The Custodian reserves the right to charge fees for performing its duties and meeting its obligations under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's ’s fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor 30 days’ written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes that the Custodian may receive compensation from other parties. The Depositor agrees to pay the Custodian a reasonable hourly charge for distribution from, transfers from, and terminations of this IRA. The Depositor agrees to pay any expenses incurred by the Custodian in the performance of its duties in connection with this Custodial Account. Such expenses include, but are not limited to, administrative expenses, such as legal and accounting fees, and any taxes of any kind that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to the Custodial Account shall be collected either from the assets in the Custodial Account or from any contributions to or distributions from such Custodial Account if not paid by the Depositor. The Depositor shall be responsible for any deficiency. In the event that for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRA, the Custodian reserves the right to withhold any payment from the IRA, to request a court ruling to determine the disposition of the IRA assets, and to charge the IRA for any expenses incurred in obtaining such legal determination.

Fees and Charges. The Custodian reserves the right to charge fees for performing its duties and meeting its obligations under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor 30 days’ written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes that the Custodian may receive compensation from other parties. The Depositor agrees to pay the Custodian a reasonable hourly charge for distribution from, transfers from, and terminations of this IRAXXX. The Depositor agrees to pay any expenses incurred by the Custodian in the performance of its duties in connection with this Custodial AccountAgreement. Such expenses include, but are not limited to, administrative expenses, such as legal and accounting fees, and any taxes of any kind whatsoever that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to the Custodial Account shall be collected either from the assets in the Custodial Account or from any contributions to or distributions from such Custodial Account if not paid by the Depositor. The , but the Depositor shall be responsible for any deficiency. In the event that for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRAXXX, the Custodian reserves the right to withhold any payment from the IRAXXX, to request a court ruling to determine the disposition of the IRA XXX assets, and to charge the IRA XXX for any expenses incurred in obtaining such legal determination.

Fees and Charges. The Custodian reserves the right to charge fees shall receive compensation for performing its duties and meeting its obligations services under this Agreement. All fees, which are subject to change from time to time, will be disclosed on the Custodian's ’s fee schedule or other disclosure document provided by the Custodian. The Custodian will provide the Depositor Account Owner 30 days’ days advance written notice of any fee changes. The Custodian will collect all fees from the cash proceeds in the Custodial Account. If there is insufficient cash in the Custodial Account, the Custodian may liquidate investments, at its discretion, to satisfy fee obligations associated with the Agreement. Alternatively, if the Custodian so authorizes and if separate payment of fees or other expenses is permissible under applicable federal and/or state laws, the fees may be paid separately outside of the Custodial Account. If the Custodian offers investments other than depository products, the Depositor recognizes Account Owner acknowledges that the Custodian or its affiliates may receive compensation from other parties. The Depositor agrees to pay In addition, the Custodian a or its affiliates will retain any earnings credited on any funds in the Account pending investment direction and pending distribution as part of its compensation for services provided. The Custodian will also be entitled to reimbursement for all reasonable hourly charge for distribution fromand necessary costs, transfers fromexpenses, and terminations of this IRA. The Depositor agrees to pay any expenses disbursements incurred by the Custodian it in the performance of its duties in connection with this Custodial Accountsuch services, including, without limitation, attorneys’ fees. Such expenses include, but are not limited to, administrative expenses, such as legal compensation and accounting fees, reimbursements shall be a charge against and any taxes of any kind that may be levied or assessed with respect to such Custodial Account. All such fees, taxes and other administrative expenses charged to withdrawn by the Custodian from the Custodial Account shall be collected either from within a reasonable time, as specified by the Custodian. Any brokerage commissions attributable to transactions with the assets in the Custodial Account or from any contributions HSA will be charged to or distributions from such Custodial Account if not paid by the DepositorHSA. The Depositor shall be responsible Account Owner may not reimburse his or her HSA for those commissions. To the extent not prohibited by law, Account Owner authorizes Custodian to liquidate and transfer the cash proceeds of any deficiencyinvestment Account Owner has selected for his or her HSA in the event that a negative cash balance exists in the HSA for more than 10 business days. Custodian will notify Account Owner of the negative cash balance to give Account Owner the opportunity to make additional contributions, if allowable, or to sell the investments of Account Owner’s choice to resolve the negative cash balance. If the negative balance is not corrected within a reasonable time after Custodian notifies Account Owner, Custodian may liquidate any of the HSA investments, at its discretion, to the extent necessary to bring Account Owner’s balance to a positive amount. In the event that liquidating all of Account Owner’s HSA investments is not sufficient to resolve the negative balance, Account Owner will be responsible for any reason the Custodian is not certain as to who is entitled to receive all or part of the IRA, the Custodian reserves the right to withhold any payment from the IRA, to request a court ruling to determine the disposition of the IRA assets, and to charge the IRA for any expenses incurred in obtaining such legal determination.remaining deficiency. Rev. 10/2015 PAGE | 4