Common use of Fees and Charges Clause in Contracts

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is payable quarterly in advance. For purposes of calculating Account Fees and providing performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Manager. The initial Account Fee is due at the end of the month in which this Account is accepted by SMA Portfolio Manager and LPL and will include a prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s performance report or statement) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 16. The Account Fee referenced in Schedule A includes all fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL. Client understands that the Advisory Parties, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. Client acknowledges and agrees that the fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of fees and charges applicable to the Account, at which time the new fees and charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee Fees is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and negotiable, is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all assets in the AccountAccount assets, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee and is payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information reports as described in Section 1, the Account account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL andunless Client chooses a different quarterly cycle. The Account Fee will be as stated on the Account Application. If IAR has earned commissions on the assets (cash or securities) within the past two years, exclusively Client may be entitled to a credit for SMA Platform Accounts, SMA Portfolio Managera portion of the Account Fee by indicating in the Account Application. The initial Account Fee is due at the end beginning of the month in which quarter following execution of this Account is accepted by SMA Portfolio Manager and LPL Agreement and will include a the prorated amount fee for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees Fee payments are due and will be assessed at the beginning of each quarterly cycle thereafter and will be quarter based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s performance report or statement) and based on the fee rate in effect at the time of assessmentquarterly portfolio evaluation report. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for Additional deposits and withdrawals during will be added or subtracted from portfolio assets, as the prior quarter pro rata based on the asset value case may be, which may lead to an adjustment of the transaction Account Fee. This includes deposits of No-Load and based on the fee rate in effect at the time of the assessment. If there is a change Load-Waived Mutual Funds, Equities, Fixed Income, CDs, Load Mutual Funds, Hedge Funds, Managed Futures, Structured Products, Options and any other securities approved by LPL for investment in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycleAccount. All Account Fees will be deducted from the Account account pursuant to the authorization granted under Section 1617. The In addition to the Account Fee referenced described in Schedule A includes A, the Account will be assessed a transaction charge (“Transaction Charge”) as stated in Schedule B to help defray the cost associated with trade execution. Although the Transaction Charge may be identified under the commission column on the confirmations, it represents a reimbursement of transaction costs and not commissions. IAR will not receive any portion of the Transaction Charge. Client authorizes LPL to deduct all Account Fees and Transaction Charges from the Account unless other arrangements have been made for the Account pursuant to Section 17. All such fees and charges will be noted on Client’s statements or confirmations. Client may also incur certain charges imposed by LPL or third parties other than IAR in connection with investments made through the Account, including among others, the following types of charges: mutual fund 12b-1, sub-transfer agent, networking and omnibus processing fees, mutual fund management fees and administrative servicing fees, mutual fund transaction fees, certain deferred sales charges on previously purchased mutual funds, Annuity expenses, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for the services of SMA Portfolio Manager trust accounts, creation and development fees or Model Advisorsimilar fees imposed by UIT sponsors, LPLhedge fund investment management fees, managed futures investor servicing fees, participation fees from Auction Rate Preferred fixed income securities, and Advisorother charges required by law. In addition, including brokerage commissions in the case of a Variable Annuity in the Account, there may be mortality, expense and administrative charges, fees for transactions effected through LPLadditional riders on the contract and charges imposed for excessive Transfers within a calendar year. LPL and IAR may receive a portion of these third party fees. Further information regarding charges and fees assessed by a mutual fund or an Annuity are available in the appropriate prospectus. Client understands that the Advisory PartiesLPL and IAR, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does shall not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Client. Client acknowledges and agrees that the fees Fee Schedule and charges Transaction Charges set forth in Schedules A and B or as otherwise provided to Client by LPL and in effect for the Account shall continue until thirty (30) days after LPL has notified the Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless the Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and negotiable, is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee and is payable quarterly in advance. For purposes of calculating the Account Fees Fee and providing quarterly performance information as described in Section 1, the Account account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Managerand Advisor. The Account Fee will be as stated on the Account Application. The initial Account Fee is due at the end beginning of the month in which this quarterly cycle following LPL acceptance of the Account is accepted by SMA Portfolio Manager and LPL and will include a prorated the pro-rated amount for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees and any additional fees or charges payable will be deducted from the Account pursuant to the authorization granted under Section 1617. The Client authorizes LPL to deduct the Account Fee referenced in Schedule A includes all and any additional fees or charges from the Account unless other arrangements have been made for the Account pursuant to Section 17. All such additional fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPLwill be noted on Client’s account statements. Client understands that the Advisory Parties, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs incur certain charges imposed by LPL or third parties or LPL other than Advisor in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: mutual fund 12b-1, sub sub-transfer agent, networking and/or and omnibus processing fees, mutual ; fund management fees and administrative expenses, servicing fees; fees related to American Depository Receipts, ; certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, ; fees related to American Depository Receipts; XXX and qualified retirement plan Qualified Retirement Plan fees, ; administrative servicing fees for trust accounts, ; and taxes and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives and Advisor may receive all or a portion of certain of these third party fees. As an example of For retirement accounts, 12b-1 fees received by LPL with respect to mutual funds held in the foregoing, an industry-wide charge mandated by a regulator applies Account will be credited to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, Further information regarding charges and because variations might not be immediately known to LPL, fees assessed by any mutual fund held in the amount may be estimated and assessed Account is available in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statementsappropriate prospectus. Mutual funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds in an Account may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, LPL without regard to whether Client will be assessed a redemption fee. Client authorizes understands that LPL and Advisor, in connection with the performance of their respective services, shall be entitled to deduct all and will share in the Account Fees and any other fees or charges Fee payable hereunder. LPL will remit to Advisor the portion of the Account Fee due to Advisor for Advisor’s services. A portion of the Account Fee is paid to the PWP Advisors. PWP Advisors may pay LPL a portion of the costs associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails use of technology necessary for a PWP Advisor to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for perform its services as portfolio manager equal to 5 basis points of under the value of the AccountProgram. None of the Advisory Parties Neither LPL nor Advisor shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client’s funds. Client acknowledges and agrees that the fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of such fees and charges applicable to the Accountcharges, at which time the new fees and charges will become effective unless the Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will agrees to pay an annualized fee (“Account Fee”). The maximum components of the Account Fee is are set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage negotiable, based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is and payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio ManagerLPL. The initial Account Fee is due at the end of the month first quarter in which this the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle quarter thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 1617. The Client authorizes LPL to deduct all Account Fee referenced in Schedule A includes all Fees and any additional fees or charges from the Account unless other arrangements have been made for an Account pursuant to Section 17. All such fees and charges for will be noted on Client’s statements. If Client has paid a commission on the services purchase of SMA Portfolio Manager or Model Advisora security in a brokerage account held at LPL within up to two years of the transfer of the security into the Account, LPL, and Advisor, including brokerage commissions for transactions effected through LPL. Client understands that the Advisory Parties, in connection with the performance of their respective services, shall may be entitled to and will share in the Account Fees payable hereunder. A a credit for a portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramFee. Client also incurs certain charges imposed by LPL or third parties or LPL other than IAR in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: mutual fund 12b-112b-1 fees, sub transfer agentsubtransfer agent fees, networking and/or fees, omnibus processing fees, mutual fund management fees and administrative expensesservicing fees, fees related to American Depository Receipts, certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, XXX and qualified retirement plan account termination fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. Further information regarding charges and fees assessed by any fund held in the Account are available in the appropriate prospectus. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds in the Account may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, LPL without regard to whether Client will be assessed a redemption fee. Client authorizes For Retirement Accounts, 12b-1 fees paid to LPL to deduct all Account Fees and any other fees or charges associated with by mutual funds held in the Account from the Account and such fees will be noted credited to the Account. Such credits will be reflected on Client’s statementsmonthly account statements and quarterly performance reports. Client acknowledges and agrees that if, No portion of the 12b-1 fees for Retirement Accounts may be utilized for the benefit of LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under the IAR. For the purposes of this Agreement, then a Retirement Account is an account of a Client will be responsible for remitting such unpaid fees directly that is an ERISA plan or a plan otherwise subject to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points Section 4975 of the value of the AccountInternal Revenue Code. None of the Advisory Parties LPL shall not be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain additional incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Account and Service Fees Schedule attached hereto. These fees include, for example, an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx.xxx. These fees are not directly based on the costs of the transaction or service by LPL, may include a profit to LPL, and certain of the fees may be lowered or waived for certain customers. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will agrees to pay an annualized fee (“Account Fee”). The maximum components of the Account Fee is are set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage negotiable, based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is and payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information as described in Section 1, the Account account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio ManagerLPL. The initial Account Fee is due at the end of the month first quarter in which this the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle quarter thereafter and will be based on the value of the Account account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 1617. The Client authorizes LPL to deduct all Account Fee referenced in Schedule A includes all Fees and any additional fees or charges from the Account unless other arrangements have been made for an Account pursuant to Section 17. All such fees and charges for will be noted on Client’s statements. If Client has paid a commission on the services purchase of SMA Portfolio Manager or Model Advisora security in a brokerage account held at LPL within up to two years of the transfer of the security into the Account, LPL, and Advisor, including brokerage commissions for transactions effected through LPL. Client understands that the Advisory Parties, in connection with the performance of their respective services, shall may be entitled to and will share in the Account Fees payable hereunder. A a credit for a portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramFee. Client may also incurs incur certain charges imposed by LPL or third parties or LPL other than IAR in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: mutual fund 12b-112b-1 fees, sub transfer agentsubtransfer agent fees, networking and/or fees, omnibus processing fees, mutual fund management fees and administrative expensesservicing fees, fees related to American Depository Receipts, certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, XXX and qualified retirement plan account termination fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives may receive all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated Further information regarding charges and fees assessed by a regulator applies to sales of certain securities any fund held in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, Account are available in the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statementsappropriate prospectus. Mutual funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds in the Account may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, LPL without regard to whether Client will be assessed a redemption fee. Client authorizes For Retirement Accounts, 12b-1 fees paid to LPL to deduct all Account Fees and any other fees or charges associated with by mutual funds held in the Account from the Account and such fees will be noted credited to the Account. Such credits will be reflected on Client’s statementsmonthly account statements and quarterly performance reports. Client acknowledges and agrees that if, No portion of the 12b-1 fees for Retirement Accounts may be utilized for the benefit of LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under the IAR. For the purposes of this Agreement, then a Retirement Account is an account of a Client will be responsible for remitting such unpaid fees directly that is an ERISA plan or a plan otherwise subject to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points Section 4975 of the value of the AccountInternal Revenue Code. None of the Advisory Parties LPL shall not be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Client. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain additional incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Account and Service Fees Schedule attached hereto. These fees include, for example, an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx.xxx. These fees are not directly based on the costs of the transaction or service by LPL, may include a profit to LPL, and certain of the fees may be lowered or waived for certain customers. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified the Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless the Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will agrees to pay an annualized fee (“Account Fee”). The maximum components of the Account Fee is are set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage negotiable, based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is and payable quarterly in advance. For purposes of calculating quarterly Account Fees and providing performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Managerand Advisor unless Client chooses a different quarterly cycle. The initial Account Fee is due at the end of the month first quarter in which this the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle quarter thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s performance report or account statement) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 1618. The Client authorizes LPL to deduct the Account Fee referenced in Schedule A includes all and any additional fees or charges from the Account unless other arrangements have been made for the Account pursuant to Section 18. All such fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL. Client understands that the Advisory Parties, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Programnoted on Client’s account statements. Client also incurs certain charges imposed by LPL or third parties or LPL other than Advisor in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: mutual fund 12b-1, sub sub-transfer agent, networking and/or and omnibus processing fees, mutual ; fund management fees and administrative expenses, fees related to American Depository Receipts, servicing fees; certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, XXX and qualified retirement plan ; account termination fees, ; administrative servicing fees for trust accounts, ; and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives and Advisor receive all or a portion of certain of these fees. Further information regarding fees and charges assessed by any fund held in the Account is available in the appropriate prospectus. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds in the Account may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, LPL without regard to whether Client will be assessed a redemption fee. Client authorizes Any 12b-1 fees paid to LPL to deduct all Account Fees and any other fees or charges associated with by mutual funds held in the Account from the Account and such fees (other than cash sweep money market funds (“Sweep Funds”) described in Section 20 below) will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails credited to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties Such credits will be reflected on periodic account statements. Neither LPL nor Advisor shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain additional incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Fee Schedule attached hereto. These fees include, for example, an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx.xxx. These fees are not directly based on the costs of the transaction or service by LPL, may include a profit to LPL, and certain of the fees may be lowered or waived for certain customers. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in one of the ProgramPlatforms, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor IAR and is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is payable quarterly in advance. For purposes of calculating Account Fees and providing performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Manager. The initial Account Fee is due at the end of the month in which this Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Manager and LPL Manager, and will include a prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s performance report or statementfaith) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 1615. The Account Fee referenced in Schedule A includes all fees and charges for the services of LPL, IAR, Model Advisor and/or SMA Portfolio Manager or Model AdvisorManager, LPL, and Advisoras applicable, including brokerage commissions for transactions effected through LPL. Client understands that the Advisory Parties, Parties in connection with the performance of their respective services, services shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor IAR may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by the Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor IAR will be more. In the case of the SMA Platform, the SMA Portfolio Manager pays may pay LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramSMA Platform. If Client has paid a commission on the purchase of a security in a brokerage account held at LPL within up to two years of the transfer of the security into the Account, Client may be entitled to a credit for a portion of the Account Fee. Client may also incurs incur charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub sub-transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX certain deferred sales charges on previously purchased mutual funds and other service fees, IRA and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives and/or IAR may receive all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated Further information regarding charges and fees assessed by a regulator applies to sales of certain securities mutual fund are available in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statementsappropriate prospectus. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Client. Client acknowledges and agrees that the fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified the Client in writing of any change in the amount of the fees and charges applicable to the Account, at which time the new fees and charges will become effective unless the Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and negotiable, is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee and is payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information reports as described in Section 1, the Account account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL andunless Client chooses a different quarterly cycle. The Account Fee will be as stated on the Account Application. If IAR has earned commissions on the assets (cash or securities) within the past two years, exclusively client may be entitled to a credit for SMA Platform Accounts, SMA Portfolio Managera portion of the Account Fee by indicating in the Account Application. The initial Account Fee is due at the end beginning of the month in which quarter following execution of this Account is accepted by SMA Portfolio Manager and LPL Agreement and will include a the prorated amount fee for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees Fee payments are due and will be assessed at the beginning of each quarterly cycle thereafter and will be quarter based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s performance report or statement) and based on the fee rate in effect at the time of assessmentquarterly portfolio evaluation report. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for Additional deposits and withdrawals during will be added or subtracted from portfolio assets, as the prior quarter pro rata based on the asset value case may be, which may lead to an adjustment of the transaction Account fee. This includes deposits of No-Load and based on the fee rate in effect at the time of the assessment. If there is a change Load-Waived Mutual Funds, Equities, Fixed Income, CDs, Load Mutual Funds, Variable Annuities, Hedge Funds, Managed Futures, Structured Products, Options and any other securities approved by LPL for investment in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycleAccount. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 1617. The If the Account is opened by transferring assets from an existing XXX account, the Account Fee referenced in Schedule A includes will not be assessed until the beginning of the quarter following execution of this Agreement. Client authorizes LPL to deduct all Account Fees and Transaction Charges from the Account unless other arrangements have been made for the Account pursuant to Section 17. All such fees and charges will be noted on Client’s statements or confirmations. Client may also incur certain charges imposed by LPL or third parties other than IAR in connection with investments made through the Account, including among others, the following types of charges: mutual fund 12b-1, sub-transfer agent, networking and omnibus processing fees, mutual fund management fees and administrative servicing fees, mutual fund transaction fees, certain deferred sales charges on previously purchased mutual funds, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for the services of SMA Portfolio Manager trust accounts, creation and development fees or Model Advisorsimilar fees imposed by UIT sponsors, LPLhedge fund investment management fees, managed futures investor servicing fees, participation fees from Auction Rate Preferred fixed income securities, and Advisorother charges required by law. In addition, including brokerage commissions in the case of a Variable Annuity in the Account, there may be mortality, expense and administrative charges, fees for transactions effected through LPLadditional riders on the contract and charges imposed for excessive Transfers within a calendar year. LPL and IAR may receive a portion of these third party fees. Further information regarding charges and fees assessed by a mutual fund or an Annuity are available in the appropriate prospectus. Client understands that the Advisory PartiesLPL and IAR, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does shall not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Client. Client acknowledges and agrees that the fees Fee Schedule and charges Transaction Charges set forth in Schedules A and B or as otherwise provided to Client by LPL and in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of fees and charges the Fees or Charges applicable to the Account, at which time the new fees and or charges will become effective unless the Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will agrees to pay an annualized fee (“Account Fee”). The maximum components of the Account Fee is are set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage negotiable, based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is and payable quarterly in advance. For purposes of calculating the quarterly Account Fees Fee and providing performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL. FutureAdvisor is compensated directly by LPL andfor its services, exclusively for SMA Platform Accounts, SMA Portfolio Managerincluding the Algorithm and related software. The initial Account Fee is due at the end of the month first quarter in which this the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle quarter thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s performance report or account statement) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Client authorizes LPL to deduct all Account Fees will be deducted from the Account and any additional fees or charges pursuant to the authorization granted under Section 16. The Account Fee referenced in Schedule A includes all fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL18. Client understands that alternative payment methods that may be offered in other advisory platforms are not available for the Advisory PartiesAccount. All such fees and charges will be noted on Client’s statements. If Client has paid a commission on the purchase of a security in a brokerage account held at LPL within up to two years of the transfer of the security into the Account, in connection with the performance of their respective services, shall Client may be entitled to and will share in the Account Fees payable hereunder. A a credit for a portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramFee. Client also incurs certain charges imposed by LPL or third parties or LPL other than IAR in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: ordinary and extraordinary operating expenses incurred by Program Securities, mutual fund 12b-112b-1 fees, sub transfer agentsubtransfer agent fees, networking and/or fees, omnibus processing fees, mutual fund management fees and administrative expensesservicing fees, fees related to American Depository Receipts, certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, XXX and qualified retirement plan account termination fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. FutureAdvisor is not entitled to a direct portion of these fees and instead is compensated by LPL through an annual sub-advisory fee (tiered based on assets under management by FutureAdvisor, at 0.17% for the first $1 billion of assets, 0.14% for the next $2 billion of assets, and 0.10% above that level) for its services, including the Algorithms and related software. As each asset tier is reached, LPL’s share of the compensation shall increase and Client will not benefit from such asset tiers. Further information regarding charges and fees assessed by the ETFs and Mutual Funds held in the Account are available in the prospectus for such funds. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Client understands and agrees that LPL may waive any fee it charges in its sole discretion in whole or in part. Any 12b-1 fees paid to LPL by Mutual Funds held in the Account (other than cash sweep money market funds (“Sweep Funds”) described in Section 22 below) will be credited to the Account. Such credits will be reflected on periodic account statements. Advisory fees received by an affiliate of the FutureAdvisor from your Retirement Account’s investment in BlackRock Affiliated Funds may be credited to the Account, as described in Section 8 hereof. Such credits will be reflected on account statements. Mutual Funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may Mutual Funds in the Account will be made by LPL, with regards to MP Platform Accounts, LPL or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, FutureAdvisor without regard to whether Client a client will be assessed a redemption fee. Client authorizes Neither LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties nor FutureAdvisor shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Account and Service Fees Schedule attached hereto. These fees include, for example, a small account fee each quarter for accounts with balances under $10,000 and an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx/xxxxxxxxxxx.xxxx. These fees are not directly based on the costs of the transaction or service by LPL, often include a profit to LPL, and certain of the fees are lowered or waived for certain clients. In some cases, LPL waives fees for clients of IARs who have agreed to share a greater portion of the Account Fee with LPL. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is ) as set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information reports as described in Section 1, the Account account quarter will begin on the first day of the next calendar quarter after month in which the Account account is accepted by LPL andunless Client chooses a different quarterly cycle. The Account Fee will be as stated on Schedule C. If IAR has earned commissions on the assets (cash or securities) within the past two years, exclusively client may be entitled to a credit for SMA Platform Accounts, SMA Portfolio Managera portion of the Account Fee. The initial Account Fee is due at the end beginning of the month in which quarter following execution of this Account is accepted by SMA Portfolio Manager and LPL Agreement and will include a the prorated amount fee for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees Fee payments are due and will be assessed at the beginning of each quarterly cycle thereafter and will be quarter based on the value of the Account account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s performance report or statement) and based on the fee rate in effect at the time of assessmentquarterly portfolio evaluation report. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for Additional deposits and withdrawals during will be added or subtracted from portfolio assets, as the prior quarter pro rata based on the asset value case may be, which may lead to an adjustment of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycleadvisory fee. All Account Fees will be deducted from the Account account pursuant to the authorization granted under Section 16. The In addition to the Account Fee referenced stated in Schedule A includes A, the account will be assessed a confirmation charge (“Confirmation Charge”) as stated in Schedule B. Although the Confirmation Charge will be identified under the commission column on the confirmations, it represents a reimbursement of expenses associated with printing and mailing confirmations and not commissions. IAR will not receive any portion of the Confirmation Charge. Client authorizes LPL to deduct all Account Fees and Confirmation Charges from Client’s account unless other arrangements have been made for an account pursuant to Section 16. All such fees and charges will be clearly noted on Client’s statements or confirmations. Client may also incur certain charges imposed by LPL or third parties other than IAR in connection with investments made through a Program account, including among others, the following types of charges: mutual fund sub-transfer agent, networking and omnibus processing fees, mutual fund management fees and administrative servicing fees, other transaction charges and service fees, XXX and Qualified Retirement Plan fees, administrative servicing fees for the services of SMA Portfolio Manager or Model Advisor, LPLtrust accounts, and Advisor, including brokerage commissions for transactions effected through LPLother charges required by law. LPL may receive a portion of these third party fees. Further information regarding charges and fees assessed by the Optimum Funds are available in the appropriate prospectus. Client understands that the Advisory PartiesLPL and IAR, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does shall not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Client. Client acknowledges and agrees that the fees Fee Schedule and charges Transaction Charges set forth in Schedules A and B and in effect for the Account Client’s Program account shall continue until thirty (30) days after LPL has notified the Client in writing of any change in the amount of fees and charges the Fees or Charges applicable to the AccountClient’s Program account, at which time the new fees and charges Fees or Charges will become effective unless the Client notifies LPL in writing that the Account Program account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and negotiable, is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee and is payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information as described in Section 1, the Account account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Managerunless Client chooses a different quarterly cycle. The Account Fee will be as stated on the Account Application. The initial Account Fee is due at the end beginning of the month in which this quarterly cycle following acceptance of the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and or withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account account pursuant to the authorization granted under Section 15.If Client has paid a commission on the purchase of a security in a brokerage account held at LPL within up to two years of the transfer of the security into the Account, Client may be entitled to a credit for a portion of the Account Fee. In addition to the Account Fee stated in Schedule A, the Account will be assessed the Transaction Charge as stated in Schedule B. Although the Transaction Charge may be identified under the commission column on the confirmations, it represents a payment for expenses associated with trade execution and processing, including preparing, printing and/or delivering confirmations, and not commissions. IAR will not receive any portion of the Transaction Charge. Client authorizes LPL to deduct from the Account all Account Fees, Transaction Charges any other fees or charges associated with the Account unless other arrangements have been made for the Account pursuant to Section 16. The Account Fee referenced in Schedule A includes all All such fees and charges for will be noted on Client’s statements or confirmations. Client also incurs charges imposed by third parties in connection with investments made through the services Account, including among others, the following types of SMA Portfolio Manager or Model Advisorcharges: mutual fund management fees, LPLtransfer agent recordkeeping fees, and Advisoradministrative servicing fees, including brokerage commissions mutual fund redemption fees, administrative servicing fees for transactions effected through LPLtrust accounts, and other charges required by law. LPL receives a portion of certain of these third party fees as described in the OMP Program Form Brochure included in this Account Packet, and available from your IAR and on the SEC’s website at xxx.xxxxxxxxxxx.xxx.xxx. Further information regarding charges and fees assessed by the Optimum Funds is available in the Funds’ prospectus and financial statements available from IAR and at xxx.xxxxxxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxxx. Client understands that the Advisory PartiesLPL and IAR, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does shall not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Client. Client acknowledges and agrees that the Account Fee and Transaction Charges set forth in Schedules A and B and other fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of fees and charges applicable to the Account, at which time the new fees and charges will become effective unless Client notifies LPL in writing that the Account is to be closed.thirty

Fees and Charges. As a participant in one of the ProgramPlatforms, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor IAR and is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is payable quarterly in advance. For purposes of calculating Account Fees and providing performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Manager. The initial Account Fee is due at the end of the month in which this Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Manager and LPL Manager, and will include a prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s performance report or statementfaith) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 1615. The Account Fee referenced in Schedule A includes all fees and charges for the services of LPL, IAR, Model Advisor and/or SMA Portfolio Manager or Model AdvisorManager, LPL, and Advisoras applicable, including brokerage commissions for transactions effected through LPL. Client understands that the Advisory Parties, Parties in connection with the performance of their respective services, services shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor IAR may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor IAR will be more. In the case of the SMA Platform, the SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramSMA Platform. If Client has paid a commission on the purchase of a security in a brokerage account held at LPL within up to two years of the transfer of the security into the Account, Client may be entitled to a credit for a portion of the Account Fee. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub sub-transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, certain deferred sales charges on previously purchased mutual funds and other service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives and/or IAR receive all or a portion of certain of these fees. Further information regarding charges and fees assessed by a mutual fund are available in the appropriate prospectus. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. Client acknowledges and agrees that the fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and charges applicable to the Account, at which time the new fees and charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and negotiable, is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee and is payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information as described in Section 1, the Account account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Managerunless Client chooses a different quarterly cycle. The Account Fee will be as stated on the Account Application. The initial Account Fee is due at the end beginning of the month in which this quarterly cycle following acceptance of the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and or withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account account pursuant to the authorization granted under Section 1615. The Client authorizes LPL to deduct from the Account Fee referenced in Schedule A includes all Account Fees and any other fees and charges associated with the Account unless other arrangements have been made for the services Account pursuant to Section 15. All such fees and charges will be noted on Client’s statements or confirmations. Client also incurs certain charges imposed by third parties in connection with investments made through the Account, including among others, the following types of SMA Portfolio Manager or Model Advisorcharges: mutual fund management fees, LPLtransfer agent recordkeeping, fees, and Advisoradministrative servicing fees, including brokerage commissions mutual fund redemption fees, administrative servicing fees for transactions effected through LPLtrust accounts, and other charges required by law. LPL receives a portion of certain of these third party fees as described in the OMP Program Form Brochure included in this Account Packet, and available from Advisor and on the SEC’s website at xxx.xxxxxxxxxxx.xxx.xxx. Further information regarding charges and fees assessed by the Optimum Funds is available in the Funds’ prospectus and financial statements available from Advisor and at xxx.xxxxxxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxxx. Client understands that the Advisory PartiesLPL and Advisor, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does shall not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Client. Client acknowledges and agrees that the Account Fee set forth in Schedule A and other fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified the Client in writing of any change in the amount of such fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless the Client notifies LPL in writing that the Account is to be closed. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Account and Service Fees Schedule attached hereto. These fees include, for example, an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx.xxx. These fees are not directly based on the costs of the transaction or service by LPL, may include a profit to LPL, and certain of the fees may be lowered or waived for certain customers. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges shall continue until thirty (30) days after LPL has notified the Client in writing of any change in the amount of the fees or charges applicable to the Account, at which time the new fees or charges will become effective unless the Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is negotiable, is based on the value of the assets in the Account, including cash holdings, and is payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Managerunless Client chooses a different quarterly cycle. The Account Fee will be as stated on the Account Application. The initial Account Fee is due at the end beginning of the month in which this quarterly cycle following acceptance of the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and or withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 15. If Client has paid a commission on the purchase of a security in a brokerage account held at LPL within up to two years of the transfer of the security into the Account, Client may be entitled to a credit for a portion of the Account Fee. In addition to the Account Fee stated in Schedule A, the Account will be assessed the Transaction Charge as stated in Schedule B. Although the Transaction Charge may be identified under the commission column on the confirmations, it represents a payment for expenses associated with trade execution and processing, including preparing, printing and/or delivering confirmations, and not commissions. IAR will not receive any portion of the Transaction Charge. Client authorizes LPL to deduct from the Account all Account Fees, Transaction Charges any other fees or charges associated with the Account unless other arrangements have been made for the Account pursuant to Section 16. The Account Fee referenced in Schedule A includes all All such fees and charges for will be noted on Client’s statements or confirmations. Client also incurs charges imposed by third parties in connection with investments made through the services Account, including among others, the following types of SMA Portfolio Manager or Model Advisorcharges: mutual fund management fees, LPLtransfer agent recordkeeping fees, and Advisoradministrative servicing fees, including brokerage commissions mutual fund redemption fees, administrative servicing fees for transactions effected through LPLtrust accounts, and other charges required by law. LPL receives a portion of certain of these third party fees as described in the OMP Program Form Brochure included in this Account Packet, and available from your IAR and on the SEC’s website at xxx.xxxxxxxxxxx.xxx.xxx. Further information regarding charges and fees assessed by the Optimum Funds is available in the Funds’ prospectus and financial statements available from IAR and at xxx.xxxxxxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxxx. Client understands that the Advisory PartiesLPL and IAR, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does shall not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. Client acknowledges and agrees that the Account Fee and Transaction Charges set forth in Schedules A and B and other fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees or charges will become effective unless Client notifies LPL in writing that the Account is to be closed. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Account and Service Fees Schedule attached hereto. These fees include, for example, an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx.xxx. These fees are not directly based on the costs of the transaction or service by LPL, may include a profit to LPL, and certain of the fees may be lowered or waived for certain customers. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees or charges applicable to the Account, at which time the new fees or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will agrees to pay an annualized fee (“Account Fee”). The maximum components of the Account Fee is are set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage negotiable, based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is and payable quarterly in advance. For purposes of calculating the Account Fees Fee and providing quarterly performance information as described in Section 1, the Account account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LP. FutureAdvisor is compensated directly by LPL andfor its services, exclusively for SMA Platform Accounts, SMA Portfolio Managerincluding the Algorithm and related software. The initial Account Fee is due at the end of the month first quarter in which this the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle quarter thereafter and will be based on the value of the Account account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Client authorizes LPL to deduct all Account Fees will be deducted from the Account and any additional fees or charges pursuant to the authorization granted under Section 16. The Account Fee referenced in Schedule A includes all fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL17. Client understands that alternative payment methods that may be offered in other advisory platforms are not available for the Advisory PartiesAccount. All such fees and charges will be noted on Client’s statements. If Client has paid a commission on the purchase of a security in an LPL brokerage account within up to two years of the transfer of the security into the Account, in connection with the performance of their respective services, shall Client may be entitled to and will share in the Account Fees payable hereunder. A a credit for a portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramFee. Client may also incurs incur certain charges imposed by LPL or third parties or LPL other than Advisor in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: ordinary and extraordinary operating expenses incurred by Program Securities, mutual fund 12b-112b-1 fees, sub transfer agentsubtransfer agent fees, networking and/or fees, omnibus processing fees, mutual fund management fees and administrative expensesservicing fees, fees related to American Depository Receipts, certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, XXX and qualified retirement plan account termination fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives may receive all or a portion of certain of these fees. FutureAdvisor is not entitled to a direct portion of these fees and instead is compensated by LPL through an annual sub- advisory fee (tiered based on assets under management by the Sub-Advisor, at 0.17% for the first $1 billion of assets, 0.14% for the next $2 billion of assets, and 0.10% above that level) for its services, including the Algorithms and related software. As an example each asset tier is reached, LPL’s share of the foregoingcompensation shall increase and Client will not benefit from such asset tiers. Further information regarding charges and fees assessed by the ETFs and Mutual Funds held in the Account are available in the prospectus for such funds. For XXX Accounts, an industry-wide charge mandated 12b-1 fees paid to LPL by a regulator applies Mutual Funds held in the Account will be credited to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges Such credits will be reflected on transaction confirmations and/or monthly statementsaccount statements and quarterly performance information. No portion of the 12b-1 fees for XXX Accounts may be utilized for the benefit of LPL or the Advisor. For the purposes of this Agreement, an “XXX Account” is an account of a Client that is an XXX. Advisory fees received by an affiliate of the FutureAdvisor from your XXX Account’s investment in BlackRock Affiliated Funds may be credited to the Account, as described in Section 7 hereof. Such credits will be reflected on quarterly account statements and in quarterly performance information. Mutual funds Funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds Mutual Funds in the Account may be made by LPL, with regards to MP Platform Accounts, LPL or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, FutureAdvisor without regard to whether Client a client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties LPL, Advisor or FutureAdvisor shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Account and Service Fees Schedule attached hereto. These fees include, for example, a small account fee each quarter for accounts with balances under $10,000 and an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx.xxx. These fees are not directly based on the costs of the transaction or service by LPL, may include a profit to LPL, and certain of the fees may be lowered or waived for certain customers. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will agrees to pay an annualized fee (“Account Fee”). The maximum components of the Account Fee is are set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage negotiable, based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is and payable quarterly in advance. For purposes of calculating the Account Fees Fee and providing quarterly performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LP. FutureAdvisor is compensated directly by LPL andfor its services, exclusively for SMA Platform Accounts, SMA Portfolio Managerincluding the Algorithm and related software. The initial Account Fee is due at the end of the month first quarter in which this the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle quarter thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Client authorizes LPL to deduct all Account Fees will be deducted from the Account and any additional fees or charges pursuant to the authorization granted under Section 16. The Account Fee referenced in Schedule A includes all fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL18. Client understands that alternative payment methods that may be offered in other advisory platforms are not available for the Advisory PartiesAccount. All such fees and charges will be noted on Client’s statements. If Client has paid a commission on the purchase of a security in an LPL brokerage account within up to two years of the transfer of the security into the Account, in connection with the performance of their respective services, shall Client may be entitled to and will share in the Account Fees payable hereunder. A a credit for a portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramFee. Client also incurs certain charges imposed by LPL or third parties or LPL other than Advisor in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: ordinary and extraordinary operating expenses incurred by Program Securities, mutual fund 12b-112b-1 fees, sub transfer agentsubtransfer agent fees, networking and/or fees, omnibus processing fees, mutual fund management fees and administrative expensesservicing fees, fees related to American Depository Receipts, certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, XXX and qualified retirement plan account termination fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. FutureAdvisor is not entitled to a direct portion of these fees and instead is compensated by LPL through an annual sub- advisory fee (tiered based on assets under management by the Sub-Advisor, at 0.17% for the first $1 billion of assets, 0.14% for the next $2 billion of assets, and 0.10% above that level) for its services, including the Algorithms and related software. As each asset tier is reached, LPL’s share of the compensation shall increase and Client will not benefit from such asset tiers. Further information regarding charges and fees assessed by the ETFs and Mutual Funds held in the Account are available in the prospectus for such funds. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. For Retirement Accounts, 12b-1 fees paid to LPL by Mutual funds Funds held in the Account will be credited to the Account. Such credits will be reflected on monthly account statements and quarterly performance information. No portion of the 12b-1 fees for Retirement Accounts may be utilized for the benefit of LPL or the Advisor. Advisory fees received by an affiliate of the FutureAdvisor from your Retirement Account’s investment in BlackRock Affiliated Funds may be credited to the Account, as described in Section 8 hereof. Such credits will be reflected on quarterly account statements and in quarterly performance information. Mutual Funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds Mutual Funds in the Account may be made by LPL, with regards to MP Platform Accounts, LPL or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, FutureAdvisor without regard to whether Client a client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties LPL, Advisor or FutureAdvisor shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Account and Service Fees Schedule attached hereto. These fees include, for example, a small account fee each quarter for accounts with balances under $10,000 and an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx.xxx. These fees are not directly based on the costs of the transaction or service by LPL, may include a profit to LPL, and certain of the fees may be lowered or waived for certain customers. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and negotiable, is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee and is payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information reports as described in Section 1, the Account account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL andunless Client chooses a different quarterly cycle. The Account Fee will be as stated on the Account Application. If IAR has earned commissions on the assets (cash or securities) within the past two years, exclusively client may be entitled to a credit for SMA Platform Accounts, SMA Portfolio Managera portion of the Account Fee by indicating in the Account Application. The initial Account Fee is due at the end beginning of the month in which quarter following execution of this Account is accepted by SMA Portfolio Manager and LPL Agreement and will include a the prorated amount fee for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees Fee payments are due and will be assessed at the beginning of each quarterly cycle thereafter and will be quarter based on the value of the Account account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s performance report or statement) and based on the fee rate in effect at the time of assessmentquarterly portfolio evaluation report. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for Additional deposits and withdrawals during will be added or subtracted from portfolio assets, as the prior quarter pro rata based on the asset value case may be, which may lead to an adjustment of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycleAccount. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 16. The In addition to the Account Fee referenced Xxx stated in Schedule A includes A, the Account will be assessed a confirmation charge (“Confirmation Charge”) as stated in Schedule B. Although the Confirmation Charge may be identified under the commission column on the confirmations, it represents a reimbursement of expenses associated with printing and mailing confirmations and not commissions. IAR will not receive any portion of the Confirmation Charge. Client authorizes LPL to deduct all Account Fees and Confirmation Charges from the Account unless other arrangements have been made for the Account pursuant to Section 16. All such fees and charges will be noted on Client’s statements or confirmations. Client may also incur certain charges imposed by LPL or third parties other than IAR in connection with investments made through the Account, including among others, the following types of charges: mutual fund sub-transfer agent, networking and omnibus processing fees, mutual fund management fees and administrative servicing fees, other transaction charges and service fees, IRA and Qualified Retirement Plan fees, administrative servicing fees for the services of SMA Portfolio Manager or Model Advisor, LPLtrust accounts, and Advisor, including brokerage commissions for transactions effected through LPLother charges required by law. LPL may receive a portion of these third party fees. Further information regarding charges and fees assessed by the Optimum Funds is available in the appropriate prospectus. Client understands that the Advisory PartiesLPL and IAR, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does shall not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Client. Client acknowledges and agrees that the fees Fee Schedule and charges Confirmation Charges set forth in Schedules A and B and in effect for the Account shall continue until thirty (30) days after LPL has notified the Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless the Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee Fees is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and negotiable, is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all assets in the AccountAccount assets, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee and is payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information reports as described in Section 1, the Account account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL andunless Client chooses a different quarterly cycle. The Account Fee will be as stated on the Account Application. If IAR has earned commissions on the assets (cash or securities) within the past two years, exclusively Client may be entitled to a credit for SMA Platform Accounts, SMA Portfolio Managera portion of the Account Fee by indicating in the Account Application. The initial Account Fee is due at the end beginning of the month in which quarter following execution of this Account is accepted by SMA Portfolio Manager and LPL Agreement and will include a the prorated amount fee for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees Fee payments are due and will be assessed at the beginning of each quarterly cycle thereafter and will be quarter based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s performance report or statement) and based on the fee rate in effect at the time of assessmentquarterly portfolio evaluation report. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for Additional deposits and withdrawals during will be added or subtracted from portfolio assets, as the prior quarter pro rata based on the asset value case may be, which may lead to an adjustment of the transaction Account Fee. This includes deposits of No-Load and based on the fee rate in effect at the time of the assessment. If there is a change Load-Waived Mutual Funds, Equities, Fixed Income, CDs, Load Mutual Funds, Hedge Funds, Managed Futures, REITs, Structured Products, Options and any other securities approved by LPL for investment in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycleAccount. All Account Fees will be deducted from the Account account pursuant to the authorization granted under Section 1617. The In addition to the Account Fee referenced described in Schedule A includes A, the Account will be assessed a transaction charge (“Transaction Charge”) as stated in Schedule B to help defray the cost associated with trade execution. Although the Transaction Charge may be identified under the commission column on the confirmations, it represents a reimbursement of transaction costs and not commissions. IAR will not receive any portion of the Transaction Charge. Client authorizes LPL to deduct all Account Fees and Transaction Charges from the Account unless other arrangements have been made for the Account pursuant to Section 17. All such fees and charges will be noted on Client’s statements or confirmations. Client may also incur certain charges imposed by LPL or third parties other than IAR in connection with investments made through the Account, including among others, the following types of charges: mutual fund 12b-1, sub-transfer agent, networking and omnibus processing fees, mutual fund management fees and administrative servicing fees, mutual fund transaction fees, certain deferred sales charges on previously purchased mutual funds, Annuity expenses, REIT dealer-management fees, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for the services of SMA Portfolio Manager trust accounts, creation and development fees or Model Advisorsimilar fees imposed by UIT sponsors, LPLhedge fund investment management fees, managed futures investor servicing fees, participation fees from Auction Rate Preferred fixed income securities, and Advisorother charges required by law. In addition, including brokerage commissions in the case of a Variable Annuity in the Account, there may be mortality, expense and administrative charges, fees for transactions effected through LPLadditional riders on the contract and charges imposed for excessive Transfers within a calendar year. LPL and IAR may receive a portion of these third party fees. Further information regarding charges and fees assessed by a mutual fund or an Annuity are available in the appropriate prospectus. Client understands that the Advisory PartiesLPL and IAR, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does shall not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Client. Client acknowledges and agrees that the fees Fee Schedule and charges Transaction Charges set forth in Schedules A and B or as otherwise provided to Client by LPL and in effect for the Account shall continue until thirty (30) days after LPL has notified the Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless the Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is negotiable, is based on the value of the assets in the Account, including cash holdings, and is payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Managerunless Client chooses a different quarterly cycle. The Account Fee will be as stated on the Account Application. The initial Account Fee is due at the end beginning of the month in which this quarterly cycle following acceptance of the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and or withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 15. If Client has paid a commission on the purchase of a security in a brokerage account held at LPL within up to two years of the transfer of the security into the Account, Client may be entitled to a credit for a portion of the Account Fee. In addition to the Account Fee stated in Schedule A, the Account will be assessed the Transaction Charge as stated in Schedule B. Although the Transaction Charge may be identified under the commission column on the confirmations, it represents a payment for expenses associated with trade execution and processing, including preparing, printing and/or delivering confirmations, and not commissions. IAR will not receive any portion of the Transaction Charge. Client authorizes LPL to deduct from the Account all Account Fees, Transaction Charges any other fees or charges associated with the Account unless other arrangements have been made for the Account pursuant to Section 16. The Account Fee referenced in Schedule A includes all All such fees and charges for will be noted on Client’s statements or confirmations. Client also incurs charges imposed by third parties in connection with investments made through the services Account, including among others, the following types of SMA Portfolio Manager or Model Advisorcharges: mutual fund management fees, LPLtransfer agent recordkeeping fees, and Advisoradministrative servicing fees, including brokerage commissions mutual fund redemption fees, administrative servicing fees for transactions effected through LPLtrust accounts, and other charges required by law. LPL receives a portion of certain of these third party fees as described in the OMP Program Form Brochure included in this Account Packet, and available from your IAR and on the SEC’s website at xxx.xxxxxxxxxxx.xxx.xxx. Further information regarding charges and fees assessed by the Optimum Funds is available in the Funds’ prospectus and financial statements available from IAR and at xxx.xxxxxxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxxx. Client understands that the Advisory PartiesLPL and IAR, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does shall not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. Client acknowledges and agrees that the Account Fee and Transaction Charges set forth in Schedules A and B and other fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of fees and charges applicable to the Account, at which time the new fees and charges will become effective unless Client notifies LPL in writing that the Account is to be closed.thirty

Fees and Charges. As a participant in the Program, Client will agrees to pay an annualized fee (“Account Fee”). The maximum components of the Account Fee is are set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage negotiable, based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is and payable quarterly in advance. For purposes of calculating the Account Fees Fee and providing quarterly performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LP. FutureAdvisor is compensated directly by LPL andfor its services, exclusively for SMA Platform Accounts, SMA Portfolio Managerincluding the Algorithm and related software. The initial Account Fee is due at the end of the month first quarter in which this the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle quarter thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Client authorizes LPL to deduct all Account Fees will be deducted from the Account and any additional fees or charges pursuant to the authorization granted under Section 16. The Account Fee referenced in Schedule A includes all fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL18. Client understands that alternative payment methods that may be offered in other advisory platforms are not available for the Advisory PartiesAccount. All such fees and charges will be noted on Client’s statements. If Client has paid a commission on the purchase of a security in an LPL brokerage account within up to two years of the transfer of the security into the Account, in connection with the performance of their respective services, shall Client may be entitled to and will share in the Account Fees payable hereunder. A a credit for a portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramFee. Client also incurs certain charges imposed by LPL or third parties or LPL other than Advisor in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: ordinary and extraordinary operating expenses incurred by Program Securities, mutual fund 12b-112b-1 fees, sub transfer agentsubtransfer agent fees, networking and/or fees, omnibus processing fees, mutual fund management fees and administrative expensesservicing fees, fees related to American Depository Receipts, certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, XXX and qualified retirement plan account termination fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. FutureAdvisor is not entitled to a direct portion of these fees and instead is compensated by LPL through an annual sub-advisory fee (tiered based on assets under management by the Sub-Advisor, at 0.17% for the first $1 billion of assets, 0.14% for the next $2 billion of assets, and 0.10% above that level) for its services, including the Algorithms and related software. As each asset tier is reached, LPL’s share of the compensation shall increase and Client will not benefit from such asset tiers. Further information regarding charges and fees assessed by the ETFs and Mutual Funds held in the Account are available in the prospectus for such funds. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. For Retirement Accounts, 12b-1 fees paid to LPL by Mutual funds Funds held in the Account will be credited to the Account. Such credits will be reflected on monthly account statements and quarterly performance information. No portion of the 12b-1 fees for Retirement Accounts may be utilized for the benefit of LPL or the Advisor. Advisory fees received by an affiliate of the FutureAdvisor from your Retirement Account’s investment in BlackRock Affiliated Funds may be credited to the Account, as described in Section 8 hereof. Such credits will be reflected on quarterly account statements and in quarterly performance information. Mutual Funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds Mutual Funds in the Account may be made by LPL, with regards to MP Platform Accounts, LPL or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, FutureAdvisor without regard to whether Client a client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties LPL, Advisor or FutureAdvisor shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Account and Service Fees Schedule attached hereto. These fees include, for example, a small account fee each quarter for accounts with balances under $10,000 and an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx.xxx. These fees are not directly based on the costs of the transaction or service by LPL, may include a profit to LPL, and certain of the fees may be lowered or waived for certain customers. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and negotiable, is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee and is payable quarterly in advance. For purposes of calculating Account Fees Fee and providing quarterly performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio ManagerLPL. The Account Fee will be as stated on the Account Application. The initial Account Fee is due at the end beginning of the month in which this quarterly cycle following LPL acceptance of the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 16. The Client authorizes LPL to deduct all Account Fee referenced in Schedule A includes all Fees and any additional fees or charges from the Account unless other arrangements have been made for the Account pursuant to Section 16. All such fees and charges for will be noted on Client’s statements. If Client has paid a commission on the services purchase of SMA Portfolio Manager or Model Advisora security in a brokerage account held at LPL within up to two years of the transfer of the security into the Account, LPL, and Advisor, including brokerage commissions for transactions effected through LPL. Client understands that the Advisory Parties, in connection with the performance of their respective services, shall may be entitled to and will share in the Account Fees payable hereunder. A a credit for a portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramFee. Client also incurs certain charges imposed by LPL or third parties or LPL other than IAR in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: mutual fund 12b-1, sub transfer subtransfer agent, networking and/or and omnibus processing fees, mutual fund management fees and administrative expensesservicing fees, certain deferred sales charges on previously purchased mutual funds and other service fees, fees related to American Depository Receipts, other transaction charges IRA and service fees, XXX and qualified retirement plan Qualified Retirement Plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL and IAR receives all or a portion of certain of these third party fees. Further information regarding charges and fees assessed by a mutual fund are available in the appropriate prospectus. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds in an Account may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, LPL without regard to whether Client will be assessed a redemption fee. Client authorizes understands that LPL and IAR, in connection with the performance of their respective services, shall be entitled to deduct all and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the PWP Advisors. The portion of the Account Fee paid to a PWP Advisor may differ from the portion paid to another PWP Advisor and any other fees also may vary depending on which Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and IAR may be more or charges less depending on which PWP Advisor model is selected for Client. Furthermore, if a Portfolio is selected that does not consist of a PWP Advisor model, and consists of only mutual funds and/or ETFs, the amount of the Account Fee retained by LPL and IAR will be more, because no fee is paid to a PWP Advisor. Client understands and agrees that, depending on which Portfolio is selected, LPL’s and IAR’s respective shares of the Account Fee will range as set forth in Schedule A attached hereto. PWP Advisors may pay LPL a portion of the costs associated with the Account from use of technology necessary for a PWP Advisor to perform its services under the Account and such fees will be noted on Client’s statementsProgram. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain receive a fee for its services as portfolio manager OPM equal to 5 10 basis points of the value of the Account. None of the Advisory Parties LPL shall not be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. Client acknowledges and agrees that the fees Fee Schedule as set forth in Schedule A and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will agrees to pay an annualized fee (“Account Fee”). The maximum components of the Account Fee is are set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage negotiable, based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is and payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information as described in Section 1, the Account account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Managerand Advisor. The initial Account Fee is due at the end of the month first quarter in which this the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle quarter thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 1618. The Client authorizes LPL to deduct the Account Fee referenced in Schedule A includes all and any additional fees or charges from the Account unless other arrangements have been made for the Account pursuant to Section 18. All such fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPLwill be noted on Client’s account statements. Client understands that the Advisory Parties, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs incur certain charges imposed by LPL or third parties or LPL other than Advisor in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: mutual fund 12b-1, sub sub-transfer agent, networking and/or and omnibus processing fees, mutual ; fund management fees and administrative expenses, fees related to American Depository Receipts, servicing fees; certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, XXX and qualified retirement plan ; account termination fees, ; administrative servicing fees for trust accounts, ; and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives and Advisor may receive all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated Further information regarding fees and charges assessed by a regulator applies to sales of certain securities any fund held in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, Account is available in the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statementsappropriate prospectus. Mutual funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds in the Account may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, LPL without regard to whether Client will be assessed a redemption fee. Client authorizes For Retirement Accounts, 12b-1 fees paid to LPL to deduct all Account Fees and any other fees or charges associated with by mutual funds held in the Account from the Account and such fees will be noted credited to the Account. Such credits will be reflected on Client’s statementsmonthly account statements and quarterly performance reports. Client acknowledges and agrees that if, No portion of the 12b-1 fees for Retirement Accounts may be utilized for the benefit of LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under the Advisor. For the purposes of this Agreement, then a Retirement Account is an account of a Client will be responsible for remitting such unpaid fees directly that is an ERISA plan or a plan otherwise subject to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points Section 4975 of the value of the AccountInternal Revenue Code. None of the Advisory Parties Neither LPL nor Advisor shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Client. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain additional incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Fee Schedule attached hereto. These fees include, for example, an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx.xxx. These fees are not directly based on the costs of the transaction or service by LPL, may include a profit to LPL, and certain of the fees may be lowered or waived for certain customers. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified the Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless the Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is ) as set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information reports as described in Section 1, the Account account quarter will begin on the first day of the next calendar quarter after month in which the Account account is accepted by LPL andunless Client chooses a different quarterly cycle. The Account Fee will be as stated on Schedule C. If IAR has earned commissions on the assets (cash or securities) within the past two years, exclusively client may be entitled to a credit for SMA Platform Accounts, SMA Portfolio Managera portion of the Account Fee. The initial Account Fee is due at the end beginning of the month in which quarter following execution of this Account is accepted by SMA Portfolio Manager and LPL Agreement and will include a the prorated amount fee for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees Fee payments are due and will be assessed at the beginning of each quarterly cycle thereafter and will be quarter based on the value of the Account account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s performance report or statement) and based on the fee rate in effect at the time of assessmentquarterly portfolio evaluation report. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for Additional deposits and withdrawals during will be added or subtracted from portfolio assets, as the prior quarter pro rata based on the asset value case may be, which may lead to an adjustment of the transaction advisory fee. This includes deposits of No-Load and based on the fee rate in effect at the time of the assessment. If there is a change Load-Waived Mutual Funds, Equities, Fixed Income, CDs, Load Mutual Funds, Hedge Funds, Managed Futures, Structured Products, Options and any other securities approved by LPL for investment in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycleAccount. All Account Fees will be deducted from the Account account pursuant to the authorization granted under Section 1617. The In addition to the Account Fee referenced stated in Schedule A includes A, the Account will be assessed a transaction charge (“Transaction Charge”) as stated in Schedule B to help defray the cost associated with trade execution. Although the Transaction Charge will be identified under the commission column on the confirmations, it represents a reimbursement of transaction costs and not commissions. IAR will not receive any portion of the Transaction Charge. Client authorizes LPL to deduct all Account Fees and Transaction Charges from Client’s Account unless other arrangements have been made for an account pursuant to Section 17. All such fees and charges will be clearly noted on Client’s statements or confirmations. Client may also incur certain charges imposed by LPL or third parties other than IAR in connection with investments made through the Account, including among others, the following types of charges: mutual fund 12b-1, sub-transfer agent, networking and omnibus processing fees, mutual fund management fees and administrative servicing fees, mutual fund transaction fees, certain deferred sales charges on previously purchased mutual funds, Annuity expenses, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for the services of SMA Portfolio Manager trust accounts, creation and development fees or Model Advisorsimilar fees imposed by unit investment trust sponsors, LPLhedge fund investment management fees, managed futures investor servicing fees, participation fees from Auction Rate Preferred fixed income securities, and Advisor, including brokerage commissions for transactions effected through LPLother charges required by law. LPL and IAR may receive a portion of these third party fees. Further information regarding charges and fees assessed by a mutual fund or the Annuity are available in the appropriate prospectus. Client understands that the Advisory PartiesLPL and IAR, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does shall not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Client. Client acknowledges and agrees that the fees Fee Schedule and charges Transaction Charges set forth in Schedules A and B and in effect for the Client’s Account shall continue until thirty (30) days after LPL has notified the Client in writing of any change in the amount of fees and charges the Fees or Charges applicable to the Client’s Account, at which time the new fees and charges Fees or Charges will become effective unless the Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will agrees to pay an annualized fee (“Account Fee”). The maximum components of the Account Fee is are set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage negotiable, based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is and payable quarterly in advance. For purposes of calculating the Account Fees Fee and providing performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL. FutureAdvisor is compensated directly by LPL andfor its services, exclusively for SMA Platform Accounts, SMA Portfolio Managerincluding the Algorithm and related software. The initial Account Fee is due at the end of the month first quarter in which this the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle quarter thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s performance report or account statement) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Client authorizes LPL to deduct all Account Fees will be deducted from the Account and any additional fees or charges pursuant to the authorization granted under Section 16. The Account Fee referenced in Schedule A includes all fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL18. Client understands that alternative payment methods that may be offered in other advisory platforms are not available for the Advisory PartiesAccount. All such fees and charges will be noted on Client’s statements. If Client has paid a commission on the purchase of a security in an LPL brokerage account within up to two years of the transfer of the security into the Account, in connection with the performance of their respective services, shall Client may be entitled to and will share in the Account Fees payable hereunder. A a credit for a portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramFee. Client also incurs certain charges imposed by LPL or third parties or LPL other than Advisor in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: ordinary and extraordinary operating expenses incurred by Program Securities, mutual fund 12b-112b-1 fees, sub transfer agentsubtransfer agent fees, networking and/or fees, omnibus processing fees, mutual fund management fees and administrative expensesservicing fees, fees related to American Depository Receipts, certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, XXX and qualified retirement plan account termination fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. FutureAdvisor is not entitled to a direct portion of these fees and instead is compensated by LPL through an annual sub-advisory fee (tiered based on assets under management by the Sub-Advisor, at 0.17% for the first $1 billion of assets, 0.14% for the next $2 billion of assets, and 0.10% above that level) for its services, including the Algorithms and related software. As each asset tier is reached, LPL’s share of the compensation shall increase and Client will not benefit from such asset tiers. Further information regarding charges and fees assessed by the ETFs and Mutual Funds held in the Account are available in the prospectus for such funds. As an example of the foregoing, an industry-wide charge mandated transaction fees imposed by a regulator applies to the SEC on all sales of certain securities, options and single stock futures effected on a national securities in the exchange are passed on to your Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Client understands and agrees that LPL may waive any fee it charges in its sole discretion in whole or in part. Any 12b-1 fees paid to LPL by Mutual Funds held in the Account (other than cash sweep money market funds (“Sweep Funds”) described in Section 22 below) will be credited to the Account. Such credits will be reflected on periodic account statements. Advisory fees received by an affiliate of the FutureAdvisor from your Retirement Account’s investment in BlackRock Affiliated Funds may be credited to the Account, as described in Section 8 hereof. Such credits will be reflected on account statements. Mutual Funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may Mutual Funds in the Account will be made by LPL, with regards to MP Platform Accounts, LPL or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, FutureAdvisor without regard to whether Client a client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties LPL, Advisor or FutureAdvisor shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Account and Service Fees Schedule attached hereto. These fees include, for example, a small account fee each quarter for accounts with balances under $10,000 and an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx/xxxxxxxxxxx.xxxx. These fees are not directly based on the costs of the transaction or service by LPL, often include a profit to LPL, and certain of the fees are lowered or waived for certain customers. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will agrees to pay an annualized fee (“Account Fee”). The maximum components of the Account Fee is are set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage negotiable, based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is and payable quarterly in advance. For purposes of calculating the Account Fees Fee and providing performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio ManagerLPL. The initial Account Fee is due at the end of the month first quarter in which this the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle quarter thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s performance report or account statement) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Client authorizes LPL to deduct all Account Fees will be deducted from the Account and any additional fees or charges pursuant to the authorization granted under Section 16. The Account Fee referenced in Schedule A includes all fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL17. Client understands that alternative payment methods that may be offered in other advisory platforms are not available for the Advisory PartiesAccount. All such fees and charges will be noted on Client’s statements. If Client has paid a commission on the purchase of a security in an LPL brokerage account within up to two years of the transfer of the security into the Account, in connection with the performance of their respective services, shall Client may be entitled to and will share in the Account Fees payable hereunder. A a credit for a portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramFee. Client also incurs certain charges imposed by LPL or third parties or LPL other than Advisor in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: ordinary and extraordinary operating expenses incurred by Program Securities, mutual fund 12b-112b-1 fees, sub transfer agentsubtransfer agent fees, networking and/or fees, omnibus processing fees, mutual fund management fees and administrative expensesservicing fees, fees related to American Depository Receipts, certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, XXX and qualified retirement plan account termination fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. Further information regarding charges and fees assessed by the ETFs and Mutual Funds held in the Account are available in the prospectus for such funds. As an example of the foregoing, an industry-wide charge mandated transaction fees imposed by a regulator applies to the SEC on all sales of certain securities, options and single stock futures effected on a national securities in the exchange are passed on to your Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Client understands and agrees that LPL may waive any fee it charges in its sole discretion in whole or in part. Any 12b-1 fees paid to LPL by Mutual Funds held in the Account (other than cash sweep money market funds (“Sweep Funds”) described in Section 21 below) will be credited to the Account. Such credits will be reflected on periodic account statements. GUIDED WEALTH PORTFOLIOS (GWP) - ACCOUNT AGREEMENT Mutual Funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may Mutual Funds in the Account will be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, LPL without regard to whether Client a client will be assessed a redemption fee. Client authorizes Neither LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties nor Advisor shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Account and Service Fees Schedule attached hereto. These fees include, for example, a small account fee each quarter for accounts with balances under $10,000 and an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx/xxxxxxxxxxx.xxxx. These fees are not directly based on the costs of the transaction or service by LPL, often include a profit to LPL, and certain of the fees are lowered or waived for certain customers. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is ) as set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and negotiable, is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee and is payable quarterly in advance. For purposes of calculating Account Fees Fee and providing quarterly performance information reports as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL andLPL. The Account Fee will be as stated on the Account Application. If IAR has earned commissions on the assets (cash or securities) within the past two years, exclusively Client may be entitled to a credit for SMA Platform Accounts, SMA Portfolio Managera portion of the Account Fee by indicating in the Account Application. The initial Account Fee is due at the end beginning of the month in which quarter following execution of this Account is accepted by SMA Portfolio Manager and LPL Agreement and will include a the prorated amount fee for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees Fee payments are due and will be assessed at the beginning of each quarterly cycle thereafter and will be quarter based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s performance report or statement) and based on the fee rate in effect at the time of assessmentquarterly portfolio evaluation report. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for Additional deposits and withdrawals during will be added or subtracted from portfolio assets, as the prior quarter pro rata based on the asset value case may be, which may lead to an adjustment of the transaction Account Fee. This includes deposits of mutual funds, equities, fixed income and based on the fee rate in effect at the time of the assessment. If there is a change any other securities approved by LPL for investment in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycleAccount. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 1617. The Client authorizes LPL to deduct all Account Fee referenced in Schedule A includes all Fees and any additional fees or charges from the Account unless other arrangements have been made for the Account pursuant to Section 17. All such fees and charges will be noted on Client’s statements. Client may also incur certain charges imposed by LPL or third parties other than IAR in connection with investments made through the Account, including among others, the following types of charges: mutual fund 12b-1, subtransfer agent, networking and omnibus processing fees, mutual fund management fees and administrative servicing fees, certain deferred sales charges on previously purchased mutual funds and other service fees, fees related to American Depository Receipts, XXX and Qualified Retirement Plan fees, administrative servicing fees for the services of SMA Portfolio Manager or Model Advisor, LPLtrust accounts, and Advisor, including brokerage commissions for transactions effected through LPLother charges required by law or imposed by exchanges or regulatory bodies. LPL and IAR may receive a portion of these third party fees. Further information regarding charges and fees assessed by a mutual fund are available in the appropriate prospectus. Mutual funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds in an Account may be made by LPL without regard to whether Client will be assessed a redemption fee. Client understands that the Advisory PartiesLPL and IAR, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP PlatformPWP Advisors. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor PWP Advisors may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays pay LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager a PWP Advisor to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain receive a fee for its services as portfolio manager OPM equal to 5 10 basis points of the value of the Account. None of the Advisory Parties LPL shall not be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Client. Client acknowledges and agrees that the fees Fee Schedule as set forth in Schedule A and charges in effect for the Account shall continue until thirty (30) days after LPL has notified the Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless the Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will agrees to pay an annualized fee (“Account Fee”). The maximum components of the Account Fee is are set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage negotiable, based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is and payable quarterly in advance. For purposes of calculating the quarterly Account Fees Fee and providing performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio ManagerLPL. The initial Account Fee is due at the end of the month first quarter in which this the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle quarter thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s performance report or account statement) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Client authorizes LPL to deduct all Account Fees will be deducted from the Account and any additional fees or charges pursuant to the authorization granted under Section 16. The Account Fee referenced in Schedule A includes all fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL17. Client understands that alternative payment methods that may be offered in other advisory platforms are not available for the Advisory PartiesAccount. All such fees and charges will be noted on Client’s statements. If Client has paid a commission on the purchase of a security in an LPL brokerage account within up to two years of the transfer of the security into the Account, in connection with the performance of their respective services, shall Client may be entitled to and will share in the Account Fees payable hereunder. A a credit for a portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramFee. Client also incurs certain charges imposed by LPL or third parties or LPL other than IAR in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: ordinary and extraordinary operating expenses incurred by Program Securities, mutual fund 12b-112b-1 fees, sub transfer agentsubtransfer agent fees, networking and/or fees, omnibus processing fees, mutual fund management fees and administrative expensesservicing fees, fees related to American Depository Receipts, certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, XXX and qualified retirement plan account termination fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. Further information regarding charges and fees assessed by the ETFs and Mutual Funds held in the Account are available in the prospectus for such funds. As an example of the foregoing, an industry-wide charge mandated transaction fees imposed by a regulator applies to the SEC on all sales of certain securities, options and single stock futures effected on a national securities in the exchange are passed on to your Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Client understands and agrees that LPL may waive any fee it charges in its sole discretion in whole or in part. Any 12b-1 fees paid to LPL by Mutual Funds held in the Account (other than cash sweep money market funds (“Sweep Funds”) described in Section 21 below) will be credited to the Account. Such credits will be reflected on periodic account statements. GUIDED WEALTH PORTFOLIOS (GWP) - ACCOUNT AGREEMENT Mutual Funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may Mutual Funds in the Account will be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, LPL without regard to whether Client a client will be assessed a redemption fee. Client authorizes Neither LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties nor IAR shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Account and Service Fees Schedule attached hereto. These fees include, for example, a small account fee each quarter for accounts with balances under $10,000 and an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx/xxxxxxxxxxx.xxxx. These fees are not directly based on the costs of the transaction or service by LPL, often include a profit to LPL, and certain of the fees are lowered or waived for certain clients. In some cases, LPL waives fees for clients of IARs who have agreed to share a greater portion of the Account Fee with LPL. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will agrees to pay an annualized fee (“Account Fee”). The maximum components of the Account Fee is are set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage negotiable, based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is and payable quarterly in advance. For purposes of calculating the Account Fees Fee and providing quarterly performance information as described in Section 1, the Account account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL. FutureAdvisor is compensated directly by LPL andfor its services, exclusively for SMA Platform Accounts, SMA Portfolio Managerincluding the Algorithm and related software. The initial Account Fee is due at the end of the month first quarter in which this the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle quarter thereafter and will be based on the value of the Account account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Client authorizes LPL to deduct all Account Fees will be deducted from the Account and any additional fees or charges pursuant to the authorization granted under Section 16. The Account Fee referenced in Schedule A includes all fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL17. Client understands that alternative payment methods that may be offered in other advisory platforms are not available for the Advisory PartiesAccount. All such fees and charges will be noted on Client’s statements. If Client has paid a commission on the purchase of a security in a brokerage account held at LPL within up to two years of the transfer of the security into the Account, in connection with the performance of their respective services, shall Client may be entitled to and will share in the Account Fees payable hereunder. A a credit for a portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramFee. Client may also incurs incur certain charges imposed by LPL or third parties or LPL other than IAR in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: ordinary and extraordinary operating expenses incurred by Program Securities, mutual fund 12b-112b-1 fees, sub transfer agentsubtransfer agent fees, networking and/or fees, omnibus processing fees, mutual fund management fees and administrative expensesservicing fees, fees related to American Depository Receipts, certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, XXX and qualified retirement plan account termination fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives may receive all or a portion of certain of these fees. FutureAdvisor is not entitled to a direct portion of these fees and instead is compensated by LPL through an annual sub- advisory fee (tiered based on assets under management by FutureAdvisor, at 0.17% for the first $1 billion of assets, 0.14% for the next $2 billion of assets, and 0.10% above that level) for its services, including the Algorithms and related software. As an example each asset tier is reached, LPL’s share of the foregoingcompensation shall increase and Client will not benefit from such asset tiers. Further information regarding charges and fees assessed by the ETFs and Mutual Funds held in the Account are available in the prospectus for such funds. For XXX Accounts, an industry-wide charge mandated 12b-1 fees paid to LPL by a regulator applies Mutual Funds held in the Account will be credited to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges Such credits will be reflected on transaction confirmations and/or monthly statementsaccount statements and quarterly performance information. No portion of the 12b-1 fees for XXX Accounts may be utilized for the benefit of LPL or the IAR. For the purposes of this Agreement, an “XXX Account” is an account of a Client that is an XXX. Advisory fees received by an affiliate of the FutureAdvisor from your XXX Account’s investment in BlackRock Affiliated Funds may be credited to the Account, as described in Section 7 hereof. Such credits will be reflected on quarterly account statements and in quarterly performance information. Mutual funds Funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds Mutual Funds in the Account may be made by LPL, with regards to MP Platform Accounts, LPL or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, FutureAdvisor without regard to whether Client a client will be assessed a redemption fee. Client authorizes Neither LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties nor FutureAdvisor shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Account and Service Fees Schedule attached hereto. These fees include, for example, a small account fee each quarter for accounts with balances under $10,000 and an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx.xxx. These fees are not directly based on the costs of the transaction or service by LPL, may include a profit to LPL, and certain of the fees may be lowered or waived for certain customers. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will agrees to pay an annualized fee (“Account Fee”). The maximum components of the Account Fee is are set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage negotiable, based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is and payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Managerand Advisor. The initial Account Fee is due at the end of the month first quarter in which this the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle quarter thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 1618. The Client authorizes LPL to deduct the Account Fee referenced in Schedule A includes all and any additional fees or charges from the Account unless other arrangements have been made for the Account pursuant to Section 18. All such fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL. Client understands that the Advisory Parties, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Programnoted on Client’s account statements. Client also incurs certain charges imposed by LPL or third parties or LPL other than Advisor in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: mutual fund 12b-1, sub sub-transfer agent, networking and/or and omnibus processing fees, mutual ; fund management fees and administrative expenses, fees related to American Depository Receipts, servicing fees; certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, XXX and qualified retirement plan ; account termination fees, ; administrative servicing fees for trust accounts, ; and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives and Advisor receive all or a portion of certain of these fees. Further information regarding fees and charges assessed by any fund held in the Account is available in the appropriate prospectus. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds in the Account may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, LPL without regard to whether Client will be assessed a redemption fee. Client authorizes For Retirement Accounts, 12b-1 fees paid to LPL to deduct all Account Fees and any other fees or charges associated with by mutual funds held in the Account from the Account and such fees will be noted credited to the Account. Such credits will be reflected on Client’s statementsmonthly account statements and quarterly performance reports. Client acknowledges and agrees that if, No portion of the 12b-1 fees for Retirement Accounts may be utilized for the benefit of LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under the Advisor. For the purposes of this Agreement, then a Retirement Account is an account of a Client will be responsible for remitting such unpaid fees directly that is an ERISA plan or a plan otherwise subject to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points Section 4975 of the value of the AccountInternal Revenue Code. None of the Advisory Parties Neither LPL nor Advisor shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain additional incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Fee Schedule attached hereto. These fees include, for example, an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx.xxx. These fees are not directly based on the costs of the transaction or service by LPL, may include a profit to LPL, and certain of the fees may be lowered or waived for certain customers. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is payable quarterly in advance. For purposes of calculating Account Fees and providing performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Manager. The initial Account Fee is due at the end of the month in which this Account is accepted by SMA Portfolio Manager and LPL and will include a prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s performance report or statement) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 16. The Account Fee referenced in Schedule A includes all fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL. Client understands that the Advisory Parties, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by the Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays may pay LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client may also incurs incur charges imposed by third parties or LPL in connection with investments investment made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives may receive all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. Client acknowledges and agrees that the fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of fees and charges applicable to the Account, at which time the new fees and charges will become effective unless the Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the a Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out payable quarterly in the Account Applicationadvance. The Account Fee is typically a straight percentage based on the value amount of all assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL andunless Client chooses a different quarterly cycle. The Account Fee will be as stated on the Account Application. If Client has paid a commission on the purchase of a security in a brokerage account held at LPL within up to two years of the transfer of the security into the Account, exclusively Client may be entitled to a credit for SMA Platform Accounts, SMA Portfolio Managera portion of the Account Fee. The initial Account Fee is due at the end beginning of the month in which this quarterly cycle following LPL acceptance of the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and or withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 1617. The In addition to the Account Fee referenced described in Schedule A includes A, a XXX I account will be assessed the Transaction Charges as stated in Schedule B to help defray the cost associated with trade execution. Although the Transaction Charge may be identified under the commission column on the confirmations, it represents a payment of transaction costs and not commissions to IAR. IAR will not receive any portion of the Transaction Charge. For XXX XX accounts, transaction charges will be assessed to the IAR. Client authorizes LPL to from the Account deduct all Account Fees and, for XXX I accounts only, Transaction Charges, and any other fees or charges associated with the Account, unless other arrangements have been made for the Account pursuant to Section 17. All such fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL. Client understands that the Advisory Parties, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Programnoted on Client’s statements or confirmations. Client also incurs certain charges imposed by LPL or third parties or LPL other than IAR in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: mutual fund 12b-1, sub sub-transfer agent, networking and/or and omnibus processing fees, mutual fund management fees and administrative servicing fees, mutual fund transaction fees, contingent deferred sales charges on the sale of certain mutual funds, annuities and alternative investments (such as REITs, BDCs and hedge funds), Annuity expenses, fees related to American Depository ReceiptsREIT dealer-management fees, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, creation and development fees or similar fees imposed by UIT sponsors, hedge fund investment management fees, managed futures investor servicing fees, participation fees from Auction Rate Preferred fixed income securities, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. In addition, in the case of a Variable Annuity in the Account, there may be additional fees and charges including mortality, expense and administrative charges, fees for additional riders on the contract and charges imposed for excessive Transfers within a calendar year. LPL and IAR receives all or a portion of certain of these third party fees. Further information regarding charges and fees assessed by a mutual fund or an Annuity are available in the appropriate prospectus. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following Client understands that LPL and IAR, in connection with the investment. The terms performance of any redemption fee their respective services, shall be entitled to and will be disclosed share in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statementspayable hereunder. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall not be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. Client acknowledges and agrees that the fees Fee Schedule and, for XXX I accounts only, Transaction Charges set forth in Schedule B or as otherwise provided to Client by LPL and charges in effect for the Account Account, shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and negotiable, is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee and is payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information reports as described in Section 1, the Account account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL andunless Client chooses a different quarterly cycle. The Account Fee will be as stated on the Account Application. If IAR has earned commissions on the assets (cash or securities) within the past two years, exclusively client may be entitled to a credit for SMA Platform Accounts, SMA Portfolio Managera portion of the Account Fee by indicating in the Account Application. The initial Account Fee is due at the end beginning of the month in which quarter following execution of this Account is accepted by SMA Portfolio Manager and LPL Agreement and will include a the prorated amount fee for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees Fee payments are due and will be assessed at the beginning of each quarterly cycle thereafter and will be quarter based on the value of the Account account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s performance report or statement) and based on the fee rate in effect at the time of assessmentquarterly portfolio evaluation report. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for Additional deposits and withdrawals during will be added or subtracted from portfolio assets, as the prior quarter pro rata based on the asset value case may be, which may lead to an adjustment of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycleAccount. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 16. The In addition to the Account Fee referenced stated in Schedule A includes A, the Account will be assessed a confirmation charge (“Confirmation Charge”) as stated in Schedule B. Although the Confirmation Charge may be identified under the commission column on the confirmations, it represents a reimbursement of expenses associated with printing and mailing confirmations and not commissions. IAR will not receive any portion of the Confirmation Charge. Client authorizes LPL to deduct all Account Fees and Confirmation Charges from the Account unless other arrangements have been made for the Account pursuant to Section 16. All such fees and charges will be noted on Client’s statements or confirmations. Client may also incur certain charges imposed by LPL or third parties other than IAR in connection with investments made through the Account, including among others, the following types of charges: mutual fund sub-transfer agent, networking and omnibus processing fees, mutual fund management fees and administrative servicing fees, other transaction charges and service fees, XXX and Qualified Retirement Plan fees, administrative servicing fees for the services of SMA Portfolio Manager or Model Advisor, LPLtrust accounts, and Advisor, including brokerage commissions for transactions effected through LPLother charges required by law. LPL may receive a portion of these third party fees. Further information regarding charges and fees assessed by the Optimum Funds is available in the appropriate prospectus. Client understands that the Advisory PartiesLPL and IAR, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does shall not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Client. Client acknowledges and agrees that the fees Fee Schedule and charges Confirmation Charges set forth in Schedules A and B and in effect for the Account shall continue until thirty (30) days after LPL has notified the Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless the Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will agrees to pay an annualized fee (“Account Fee”). The maximum components of the Account Fee is are set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage negotiable, based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is and payable quarterly in advance. For purposes of calculating the Account Fees Fee and providing quarterly performance information as described in Section 1, the Account account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL. FutureAdvisor is compensated directly by LPL andfor its services, exclusively for SMA Platform Accounts, SMA Portfolio Managerincluding the Algorithm and related software. The initial Account Fee is due at the end of the month first quarter in which this the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle quarter thereafter and will be based on the value of the Account account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Client authorizes LPL to deduct all Account Fees will be deducted from the Account and any additional fees or charges pursuant to the authorization granted under Section 16. The Account Fee referenced in Schedule A includes all fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL17. Client understands that alternative payment methods that may be offered in other advisory platforms are not available for the Advisory PartiesAccount. All such fees and charges will be noted on Client’s statements. If Client has paid a commission on the purchase of a security in a brokerage account held at LPL within up to two years of the transfer of the security into the Account, in connection with the performance of their respective services, shall Client may be entitled to and will share in the Account Fees payable hereunder. A a credit for a portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramFee. Client may also incurs incur certain charges imposed by LPL or third parties or LPL other than IAR in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: ordinary and extraordinary operating expenses incurred by Program Securities, mutual fund 12b-112b-1 fees, sub transfer agentsubtransfer agent fees, networking and/or fees, omnibus processing fees, mutual fund management fees and administrative expensesservicing fees, fees related to American Depository Receipts, certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, XXX and qualified retirement plan account termination fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives may receive all or a portion of certain of these fees. FutureAdvisor is not entitled to a direct portion of these fees and instead is compensated by LPL through an annual sub- advisory fee (tiered based on assets under management by FutureAdvisor, at 0.17% for the first $1 billion of assets, 0.14% for the next $2 billion of assets, and 0.10% above that level) for its services, including the Algorithms and related software. As an example each asset tier is reached, LPL’s share of the foregoingcompensation shall increase and Client will not benefit from such asset tiers. Further information regarding charges and fees assessed by the ETFs and Mutual Funds held in the Account are available in the prospectus for such funds. For IRA Accounts, an industry-wide charge mandated 12b-1 fees paid to LPL by a regulator applies Mutual Funds held in the Account will be credited to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges Such credits will be reflected on transaction confirmations and/or monthly statementsaccount statements and quarterly performance information. No portion of the 12b-1 fees for IRA Accounts may be utilized for the benefit of LPL or the IAR. For the purposes of this Agreement, an “IRA Account” is an account of a Client that is an IRA. Advisory fees received by an affiliate of the FutureAdvisor from your IRA Account’s investment in BlackRock Affiliated Funds may be credited to the Account, as described in Section 7 hereof. Such credits will be reflected on quarterly account statements and in quarterly performance information. Mutual funds Funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds Mutual Funds in the Account may be made by LPL, with regards to MP Platform Accounts, LPL or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, FutureAdvisor without regard to whether Client a client will be assessed a redemption fee. Client authorizes Neither LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties nor FutureAdvisor shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Account and Service Fees Schedule attached hereto. These fees include, for example, a small account fee each quarter for accounts with balances under $10,000 and an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx.xxx. These fees are not directly based on the costs of the transaction or service by LPL, may include a profit to LPL, and certain of the fees may be lowered or waived for certain customers. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and negotiable, is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee and is payable quarterly in advance. For purposes of calculating the quarterly Account Fees Fee and providing performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Managerand Advisor. The Account Fee will be as stated on the Account Application. The initial Account Fee is due at the end beginning of the month in which this quarterly cycle following LPL acceptance of the Account is accepted by SMA Portfolio Manager and LPL and will include a prorated the pro-rated amount for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s performance report or account statement) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees and any additional fees or charges payable will be deducted from the Account pursuant to the authorization granted under Section 1617. The Client authorizes LPL to deduct the Account Fee referenced in Schedule A includes all and any additional fees or charges from the Account unless other arrangements have been made for the Account pursuant to Section 17. All such additional fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL. Client understands that the Advisory Parties, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Programnoted on Client’s account statements. Client also incurs certain charges imposed by LPL or third parties or LPL other than Advisor in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: mutual fund 12b-1, sub sub-transfer agent, networking and/or and omnibus processing fees, mutual ; fund management fees and administrative expenses, servicing fees; fees related to American Depository Receipts, ; certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, ; fees related to American Depository Receipts; XXX and qualified retirement plan Qualified Retirement Plan fees, ; administrative servicing fees for trust accounts, ; and taxes and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives and Advisor receive all or a portion of certain of these third party fees. For retirement accounts, 12b-1 fees received by LPL with respect to mutual funds held in the Account will be credited to the Account. Further information regarding charges and fees assessed by any mutual fund held in the Account is available in the appropriate prospectus. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds in an Account may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, LPL without regard to whether Client will be assessed a redemption fee. Client authorizes understands that LPL and Advisor, in connection with the performance of their respective services, shall be entitled to deduct all and will share in the Account Fees and any other fees or charges Fee payable hereunder. LPL will remit to Advisor the portion of the Account Fee due to Advisor for Advisor’s services. A portion of the Account Fee is paid to the PWP Advisors. PWP Advisors may pay LPL a portion of the costs associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails use of technology necessary for a PWP Advisor to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for perform its services as portfolio manager equal to 5 basis points of under the value of the AccountProgram. None of the Advisory Parties Neither LPL nor Advisor shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client’s funds. Client acknowledges and agrees that the fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of such fees and charges applicable to the Accountcharges, at which time the new fees and charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As Program Account Fee Type Manager offers the Program in a participant in the ProgramWrap and Non-Wrap Program Account fee type. In a Wrap Program Account fee type, Client will pay an annualized pays one Program Account fee that covers investment advisory, administrative and trading services. In a Non-Wrap Program Account fee type, Client pays a Program Account fee that covers investment advisory and administrative services and pays additional fees for each trade (“Account FeeTransaction Charges”). The maximum Program Account Fee fee type is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out provided in the Account Application. The Account Fee SIS and a schedule of Transaction Charges is typically a straight percentage based on the value of all assets included in the Account, including cash holdingsProgram Brochure that will be provided to you. The Also disclosed within the Program Brochure is the maximum Program Account Fee also fee that may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is payable quarterly in advance. For purposes of calculating Account Fees and providing performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Manager. The initial Account Fee is due at the end of the month in which this Account is accepted by SMA Portfolio Manager and LPL and will include a prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s performance report or statement) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 16. The Account Fee referenced in Schedule A includes all fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL. Client understands that the Advisory Parties, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Clientcharged. Client acknowledges and agrees that the fees fee schedule set forth within the SIS and charges Transaction Charges set forth in the Program Brochure are in effect for the Client's Program Account shall and will continue until thirty (30) days after LPL Royal Alliance has notified Client in writing of any change in the amount of the fees and or charges applicable to the Client's Program Account, at which time the new fees and or charges will become effective unless Client notifies LPL Royal Alliance in writing that the Program Account is to be closed.. Program Account Fee Billing Cycle The Program Account fee will be payable in advance based on an end of prior period valuation of Program Assets, in arrears based on an end of current period valuation of Program Assets, or in advance or arrears based on an average daily balance valuation of Program Assets. Each billing method is discussed below. The SIS will disclose the type of billing method used for the Program Account. Advance Fee Billing Based on End of Prior Period Program Asset Valuation With respect to a Program Account with fees paid in advance based upon the valuation of Program Assets at the end of the prior period (which may be monthly or quarterly), the initial Program Account fee is due upon execution of this Agreement on a pro rata basis based on the number of days from the execution of this Agreement (or when the account is funded, whichever is later) to the last day of the month or quarter. Subsequent Program Account fee payments are due and will be assessed at the beginning of each month or quarter. When additional deposits of funds and/or securities are made to the Program Account in excess of $10,000 during any given month or quarter, the Program Account fee will be adjusted on a pro rata basis. Adjustments are calculated as follows:

Fees and Charges. As a participant in one of the ProgramPlatforms, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor IAR and is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is payable quarterly in advance. For purposes of calculating Account Fees and providing performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Manager. The initial Account Fee is due at the end of the month in which this Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Manager and LPL Manager, and will include a prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s performance report or statementfaith) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 1615. The Account Fee referenced in Schedule A includes all fees and charges for the services of LPL, IAR, Model Advisor and/or SMA Portfolio Manager or Model AdvisorManager, LPL, and Advisoras applicable, including brokerage commissions for transactions effected through LPL. Client understands that the Advisory Parties, Parties in connection with the performance of their respective services, services shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor IAR may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by the Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor IAR will be more. In the case of the SMA Platform, the SMA Portfolio Manager pays may pay LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramSMA Platform. If Client has paid a commission on the purchase of a security in a brokerage account held at LPL within up to two years of the transfer of the security into the Account, Client may be entitled to a credit for a portion of the Account Fee. Client may also incurs incur charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub sub-transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, certain deferred sales charges on previously purchased mutual funds and other service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives and/or IAR may receive all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated Further information regarding charges and fees assessed by a regulator applies to sales of certain securities mutual fund are available in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statementsappropriate prospectus. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Client. Client acknowledges and agrees that the fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified the Client in writing of any change in the amount of the fees and charges applicable to the Account, at which time the new fees and charges will become effective unless the Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is ) as set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information reports as described in Section 1, the Account account quarter will begin on the first day of the next calendar quarter after month in which the Account account is accepted by LPL andunless Client chooses a different quarterly cycle. The Account Fee will be as stated on Schedule C. If IAR has earned commissions on the assets (cash or securities) within the past two years, exclusively client may be entitled to a credit for SMA Platform Accounts, SMA Portfolio Managera portion of the Account Fee. The initial Account Fee is due at the end beginning of the month in which quarter following execution of this Account is accepted by SMA Portfolio Manager and LPL Agreement and will include a the prorated amount fee for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees Fee payments are due and will be assessed at the beginning of each quarterly cycle thereafter and will be quarter based on the value of the Account account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s performance report or statement) and based on the fee rate in effect at the time of assessmentquarterly portfolio evaluation report. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for Additional deposits and withdrawals during will be added or subtracted from portfolio assets, as the prior quarter pro rata based on the asset value case may be, which may lead to an adjustment of the transaction advisory fee. This includes deposits of No-Load and based on the fee rate in effect at the time of the assessment. If there is a change Load-Waived Mutual Funds, Equities, Fixed Income, CDs, Load Mutual Funds, Hedge Funds, Managed Futures, Structured Products, Options and any other securities approved by LPL for investment in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycleAccount. All Account Fees will be deducted from the Account account pursuant to the authorization granted under Section 1617. The If this account is opened by transferring assets from an existing XXX account, then the Account Fee referenced in Schedule A includes will not be assessed until the beginning of the quarter following execution of this Agreement. Client authorizes LPL to deduct all Account Fees and Transaction Charges from Client’s Account unless other arrangements have been made for an account pursuant to Section 17. All such fees and charges will be clearly noted on Client’s statements or confirmations. Client may also incur certain charges imposed by LPL or third parties other than IAR in connection with investments made through the Account, including among others, the following types of charges: mutual fund 12b-1, sub-transfer agent, networking and omnibus processing fees, mutual fund management fees and administrative servicing fees, mutual fund transaction fees, certain deferred sales charges on previously purchased mutual funds, Annuity expenses, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for the services of SMA Portfolio Manager trust accounts, creation and development fees or Model Advisorsimilar fees imposed by unit investment trust sponsors, LPLhedge fund investment management fees, managed futures investor servicing fees, participation fees from Auction Rate Preferred fixed income, securities, and Advisor, including brokerage commissions for transactions effected through LPLother charges required by law. LPL and IAR may receive a portion of these third party fees. Further information regarding charges and fees assessed by a mutual fund or the Annuity are available in the appropriate prospectus. Client understands that the Advisory PartiesLPL and IAR, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does shall not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Client. Client acknowledges and agrees that the fees Fee Schedule and charges Transaction Charges set forth in Schedules A and B and in effect for the Client’s Account shall continue until thirty (30) days after LPL has notified the Client in writing of any change in the amount of fees and charges the Fees or Charges applicable to the Client’s Account, at which time the new fees and charges Fees or Charges will become effective unless the Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and negotiable, is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee and is payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information reports as described in Section 1, the Account account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL andunless Client chooses a different quarterly cycle. The Account Fee will be as stated on the Account Application. If IAR has earned commissions on the assets (cash or securities) within the past two years, exclusively client may be entitled to a credit for SMA Platform Accounts, SMA Portfolio Managera portion of the Account Fee by indicating in the Account Application. The initial Account Fee is due at the end beginning of the month in which quarter following execution of this Account is accepted by SMA Portfolio Manager and LPL Agreement and will include a the prorated amount fee for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees Fee payments are due and will be assessed at the beginning of each quarterly cycle thereafter and will be quarter based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s performance report or statement) and based on the fee rate in effect at the time of assessmentquarterly portfolio evaluation report. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for Additional deposits and withdrawals during will be added or subtracted from portfolio assets, as the prior quarter pro rata based on the asset value case may be, which may lead to an adjustment of the transaction Account fee. This includes deposits of No-Load and based on the fee rate in effect at the time of the assessment. If there is a change Load-Waived Mutual Funds, Equities, Fixed Income, CDs, Load Mutual Funds, Variable Annuities, Hedge Funds, Managed Futures, Structured Products, Options and any other securities approved by LPL for investment in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycleAccount. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 1617. The If the Account is opened by transferring assets from an existing XXX account, the Account Fee referenced in Schedule A includes will not be assessed until the beginning of the quarter following execution of this Agreement. Client authorizes LPL to deduct all Account Fees and Transaction Charges from the Account unless other arrangements have been made for the Account pursuant to Section 17. All such fees and charges will be noted on Client’s statements or confirmations. Client may also incur certain charges imposed by LPL or third parties other than IAR in connection with investments made through the Account, including among others, the following types of charges: mutual fund 12b-1, sub-transfer agent, networking and omnibus processing fees, mutual fund management fees and administrative servicing fees, mutual fund transaction fees, certain deferred sales charges on previously purchased mutual funds, other transaction charges and service fees, IRA and qualified retirement plan fees, administrative servicing fees for the services of SMA Portfolio Manager trust accounts, creation and development fees or Model Advisorsimilar fees imposed by UIT sponsors, LPLhedge fund investment management fees, managed futures investor servicing fees, participation fees from Auction Rate Preferred fixed income securities, and Advisorother charges required by law. In addition, including brokerage commissions in the case of a Variable Annuity in the Account, there may be mortality, expense and administrative charges, fees for transactions effected through LPLadditional riders on the contract and charges imposed for excessive Transfers within a calendar year. LPL and IAR may receive a portion of these third party fees. Further information regarding charges and fees assessed by a mutual fund or an Annuity are available in the appropriate prospectus. Client understands that the Advisory PartiesLPL and IAR, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does shall not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Client. Client acknowledges and agrees that the fees Fee Schedule and charges Transaction Charges set forth in Schedules A and B or as otherwise provided to Client by LPL and in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of fees and charges the Fees or Charges applicable to the Account, at which time the new fees and or charges will become effective unless the Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is negotiable, is based on the value of the assets in the Account, including cash holdings, and is payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Managerunless Client chooses a different quarterly cycle. The Account Fee will be as stated on the Account Application. The initial Account Fee is due at the end beginning of the month in which this quarterly cycle following acceptance of the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and or withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 1615. The In addition to the Account Fee referenced stated in Schedule A includes A, the Account will be assessed the Transaction Charge as stated in Schedule B. Although the Transaction Charge may be identified under the commission column on the confirmations, it represents a payment for expenses associated with trade execution and processing, including preparing, printing and/or delivering confirmations, and not commissions. Advisor will not receive any portion of the Transaction Charge. Client authorizes LPL to deduct from the Account all Account Fees, Account Fees, Transaction Charges and any other fees and charges associated with the Account unless other arrangements have been made for the services Account pursuant to Section 15. All such fees and charges will be noted on Client’s statements or confirmations. Client also incurs certain charges imposed by third parties in connection with investments made through the Account, including among others, the following types of SMA Portfolio Manager or Model Advisorcharges: mutual fund management fees, LPLtransfer agent recordkeeping, fees, and Advisoradministrative servicing fees, including brokerage commissions mutual fund redemption fees, administrative servicing fees for transactions effected through LPLtrust accounts, and other charges required by law. LPL receives a portion of certain of these third party fees as described in the OMP Program Form Brochure included in this Account Packet, and available from Advisor and on the SEC’s website at xxx.xxxxxxxxxxx.xxx.xxx. Further information regarding charges and fees assessed by the Optimum Funds is available in the Funds’ prospectus and financial statements available from Advisor and at xxx.xxxxxxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxxx. Client understands that the Advisory PartiesLPL and Advisor, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does shall not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. Client acknowledges and agrees that the Account Fee and Transaction Charges set forth in Schedules A and B and other fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of fees and charges applicable to the Account, at which time the new fees and charges will become effective unless Client notifies LPL in writing that the Account is to be closed.thirty

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and negotiable, is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee and is payable quarterly in advance. For purposes of calculating Account Fees Fee and providing quarterly performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio ManagerLPL. The Account Fee will be as stated on the Account Application. The initial Account Fee is due at the end beginning of the month in which this quarterly cycle following LPL acceptance of the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 16. The Client authorizes LPL to deduct all Account Fee referenced in Schedule A includes all Fees and any additional fees or charges from the Account unless other arrangements have been made for the Account pursuant to Section 16. All such fees and charges will be noted on Client’s statements. If Client has paid a commission on the purchase of a security in a brokerage account held at LPL within up to two years of the transfer of the security into the Account, Client may be entitled to a credit for a portion of the services Account Fee. Client may also incur certain charges imposed by LPL or third parties other than IAR in connection with investments made through the Account, including among others, the following types of SMA Portfolio Manager or Model Advisorcharges: mutual fund 12b-1, LPLsubtransfer agent, networking and omnibus processing fees, mutual fund management fees and administrative servicing fees, certain deferred sales charges on previously purchased mutual funds and other service fees, fees related to American Depository Receipts, XXX and Qualified Retirement Plan fees, administrative servicing fees for trust accounts, and Advisor, including brokerage commissions for transactions effected through LPLother charges required by law or imposed by exchanges or regulatory bodies. LPL and IAR may receive a portion of these third party fees. Further information regarding charges and fees assessed by a mutual fund are available in the appropriate prospectus. Mutual funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds in an Account may be made by LPL without regard to whether Client will be assessed a redemption fee. Client understands that the Advisory PartiesLPL and IAR, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP PlatformPWP Advisors. The portion of the Account Fee paid to the SMA Portfolio Manager or Model a PWP Advisor may differ from the portion paid to another available for Client to select through the Program, PWP Advisor and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor IAR may be more or less depending on which SMA Portfolio Manager or Model Portfolio PWP Advisor model is selected by for Client. Furthermore, if a SMA Portfolio Manager or Model Advisor is selected that does not charge consist of a feePWP Advisor model, and consists of only mutual funds and/or ETFs, the amount of the Account Fee retained by LPL and Advisor IAR will be more, because no fee is paid to a PWP Advisor. In the case Client understands and agrees that, depending on which Portfolio is selected, LPL’s and IAR’s respective shares of the SMA Platform, SMA Portfolio Manager pays Account Fee will range as set forth in Schedule A attached hereto. PWP Advisors may pay LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager a PWP Advisor to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain receive a fee for its services as portfolio manager OPM equal to 5 10 basis points of the value of the Account. None of the Advisory Parties LPL shall not be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Client. Client acknowledges and agrees that the fees Fee Schedule as set forth in Schedule A and charges in effect for the Account shall continue until thirty (30) days after LPL has notified the Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless the Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is negotiable, is based on the value of the assets in the Account, including cash holdings, and is payable quarterly in advance. For purposes of calculating quarterly Account Fees and providing performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Managerunless Client chooses a different quarterly cycle. The Account Fee will be as stated on the Account Application. The initial Account Fee is due at the end beginning of the month in which this quarterly cycle following acceptance of the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s performance report or account statement) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and or withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 1615. The Client authorizes LPL to deduct from the Account Fee referenced in Schedule A includes all Account Fees and any other fees and charges associated with the Account unless other arrangements have been made for the services Account pursuant to Section 15. All such fees and charges will be noted on Client’s statements or confirmations. Client also incurs certain charges imposed by third parties in connection with investments made through the Account, including among others, the following types of SMA Portfolio Manager or Model Advisorcharges: mutual fund management fees, LPLtransfer agent recordkeeping, fees, and Advisoradministrative servicing fees, including brokerage commissions mutual fund redemption fees, administrative servicing fees for transactions effected through LPLtrust accounts, and other charges required by law. LPL receives a portion of certain of these third party fees as described in the OMP Program Form Brochure included in this Account Packet, and available from Advisor and on the SEC’s website at xxx.xxxxxxxxxxx.xxx.xxx. Any 12b-1 fees paid to LPL by mutual funds transferred into an account will be credited to the Account. Further information regarding charges and fees assessed by the Optimum Funds is available in the Funds’ prospectus and financial statements available from Advisor and at xxx.xxxxxxxxxxxxx.xxx/xxxxxxx-xxxxx. Client understands that the Advisory PartiesLPL and Advisor, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does shall not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. Client acknowledges and agrees that the Account Fee set forth in Schedule A and other fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of such fees and or charges applicable to the Account, at which time the new fees or charges will become effective unless Client notifies LPL in writing that the Account is to be closed. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Account and Service Fees Schedule attached hereto. These fees include, for example, an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx/xxxxxxxxxxx.xxxx. These fees are not directly based on the costs of the transaction or service by LPL, may include a profit to LPL, and certain of the fees may be lowered or waived for certain customers. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees or charges applicable to the Account, at which time the new fees or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will pay an annualized fee (“Account Fee”). The maximum Account Fee is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and negotiable, is set out in the Account Application. The Account Fee is typically a straight percentage based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee and is payable quarterly in advance. For purposes of calculating Account Fees Fee and providing quarterly performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio ManagerLPL. The Account Fee will be as stated on the Account Application. The initial Account Fee is due at the end beginning of the month in which this quarterly cycle following LPL acceptance of the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter in addition to the standard quarterly fee for the upcoming quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 16. The Client authorizes LPL to deduct all Account Fee referenced in Schedule A includes all Fees and any additional fees or charges from the Account unless other arrangements have been made for the Account pursuant to Section 16. All such fees and charges for will be noted on Client’s statements. If Client has paid a commission on the services purchase of SMA Portfolio Manager or Model Advisora security in a brokerage account held at LPL within up to two years of the transfer of the security into the Account, LPL, and Advisor, including brokerage commissions for transactions effected through LPL. Client understands that the Advisory Parties, in connection with the performance of their respective services, shall may be entitled to and will share in the Account Fees payable hereunder. A a credit for a portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramFee. Client also incurs certain charges imposed by LPL or third parties or LPL other than IAR in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: mutual fund 12b-1, sub transfer subtransfer agent, networking and/or and omnibus processing fees, mutual fund management fees and administrative expensesservicing fees, certain deferred sales charges on previously purchased mutual funds and other service fees, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan Qualified Retirement Plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL and IAR receives all or a portion of certain of these third party fees. Further information regarding charges and fees assessed by a mutual fund are available in the appropriate prospectus. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds in an Account may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, LPL without regard to whether Client will be assessed a redemption fee. Client authorizes understands that LPL and IAR, in connection with the performance of their respective services, shall be entitled to deduct all and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the PWP Advisors. The portion of the Account Fee paid to a PWP Advisor may differ from the portion paid to another PWP Advisor and any other fees also may vary depending on which Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and IAR may be more or charges less depending on which PWP Advisor model is selected for Client. Furthermore, if a Portfolio is selected that does not consist of a PWP Advisor model, and consists of only mutual funds and/or ETFs, the amount of the Account Fee retained by LPL and IAR will be more, because no fee is paid to a PWP Advisor. Client understands and agrees that, depending on which Portfolio is selected, LPL’s and IAR’s respective shares of the Account Fee will range as set forth in Schedule A attached hereto. PWP Advisors may pay LPL a portion of the costs associated with the Account from use of technology necessary for a PWP Advisor to perform its services under the Account and such fees will be noted on Client’s statementsProgram. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain receive a fee for its services as portfolio manager OPM equal to 5 10 basis points of the value of the Account. None of the Advisory Parties LPL shall not be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. Client acknowledges and agrees that the fees Fee Schedule as set forth in Schedule A and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As Program Account Fee Type Manager offers the Program in a participant in the ProgramWrap and Non-Wrap Program Account fee type. In a Wrap Program Account fee type, Client will pay an annualized pays one Program Account fee that covers investment advisory, administrative and trading services. In a Non-Wrap Program Account fee type, Client pays a Program Account fee that covers investment advisory and administrative services and pays additional fees for each trade (“Account FeeTransaction Charges”). The maximum Program Account Fee fee type is set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out provided in the Account Application. The Account Fee SIS and a schedule of Transaction Charges is typically a straight percentage based on the value of all assets included in the Account, including cash holdingsProgram Brochure that will be provided to you. The Also disclosed within the Program Brochure is the maximum Program Account Fee also fee that may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is payable quarterly in advance. For purposes of calculating Account Fees and providing performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Manager. The initial Account Fee is due at the end of the month in which this Account is accepted by SMA Portfolio Manager and LPL and will include a prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on Client’s performance report or statement) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 16. The Account Fee referenced in Schedule A includes all fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL. Client understands that the Advisory Parties, in connection with the performance of their respective services, shall be entitled to and will share in the Account Fees payable hereunder. A portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the Program. Client also incurs charges imposed by third parties or LPL in connection with investments made through the Account, including, but not limited to, the following: mutual fund 12b-1, sub transfer agent, networking and/or omnibus processing fees, mutual fund management fees and administrative expenses, fees related to American Depository Receipts, other transaction charges and service fees, XXX and qualified retirement plan fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, without regard to whether Client will be assessed a redemption fee. Client authorizes LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Clientcharged. Client acknowledges and agrees that the fees fee schedule set forth within the SIS and charges Transaction Charges set forth in the Program Brochure are in effect for the Client's Program Account shall and will continue until thirty (30) days after LPL Xxxxxxxx has notified Client in writing of any change in the amount of the fees and or charges applicable to the Client's Program Account, at which time the new fees and or charges will become effective unless Client notifies LPL Xxxxxxxx in writing that the Program Account is to be closed.. Program Account Fee Billing Cycle The Program Account fee will be payable in advance based on an end of prior period valuation of Program Assets, in arrears based on an end of current period valuation of Program Assets, or in advance or arrears based on an average daily balance valuation of Program Assets. Each billing method is discussed below. The SIS will disclose the type of billing method used for the Program Account. Advance Fee Billing Based on End of Prior Period Program Asset Valuation With respect to a Program Account with fees paid in advance based upon the valuation of Program Assets at the end of the prior period (which may be monthly or quarterly), the initial Program Account fee is due upon execution of this Agreement on a pro rata basis based on the number of days from the execution of this Agreement (or when the account is funded, whichever is later) to the last day of the month or quarter. Subsequent Program Account fee payments are due and will be assessed at the beginning of each month or quarter. When additional deposits of funds and/or securities are made to the Program Account in excess of $10,000 during any given month or quarter, the Program Account fee will be adjusted on a pro rata basis. Adjustments are calculated as follows:

Fees and Charges. As a participant in the Program, Client will agrees to pay an annualized fee (“Account Fee”). The maximum components of the Account Fee is are set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage negotiable, based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is and payable quarterly in advance. For purposes of calculating the Account Fees Fee and providing quarterly performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after the Account is accepted by LPL. FutureAdvisor is compensated directly by LPL andfor its services, exclusively for SMA Platform Accounts, SMA Portfolio Managerincluding the Algorithm and related software. The initial Account Fee is due at the end of the month first quarter in which this the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle quarter thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Client authorizes LPL to deduct all Account Fees will be deducted from the Account and any additional fees or charges pursuant to the authorization granted under Section 16. The Account Fee referenced in Schedule A includes all fees and charges for the services of SMA Portfolio Manager or Model Advisor, LPL, and Advisor, including brokerage commissions for transactions effected through LPL18. Client understands that alternative payment methods that may be offered in other advisory platforms are not available for the Advisory PartiesAccount. All such fees and charges will be noted on Client’s statements. If Client has paid a commission on the purchase of a security in a brokerage account held at LPL within up to two years of the transfer of the security into the Account, in connection with the performance of their respective services, shall Client may be entitled to and will share in the Account Fees payable hereunder. A a credit for a portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramFee. Client also incurs certain charges imposed by LPL or third parties or LPL other than IAR in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: ordinary and extraordinary operating expenses incurred by Program Securities, mutual fund 12b-112b-1 fees, sub transfer agentsubtransfer agent fees, networking and/or fees, omnibus processing fees, mutual fund management fees and administrative expensesservicing fees, fees related to American Depository Receipts, certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, XXX and qualified retirement plan account termination fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. FutureAdvisor is not entitled to a direct portion of these fees and instead is compensated by LPL through an annual sub- advisory fee (tiered based on assets under management by FutureAdvisor, at 0.17% for the first $1 billion of assets, 0.14% for the next $2 billion of assets, and 0.10% above that level) for its services, including the Algorithms and related software. As each asset tier is reached, LPL’s share of the compensation shall increase and Client will not benefit from such asset tiers. Further information regarding charges and fees assessed by the ETFs and Mutual Funds held in the Account are available in the prospectus for such funds. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. For Retirement Accounts, 12b-1 fees paid to LPL by Mutual funds Funds held in the Account will be credited to the Account. Such credits will be reflected on monthly account statements and quarterly performance information. No portion of the 12b-1 fees for Retirement Accounts may be utilized for the benefit of LPL or the IAR. Advisory fees received by an affiliate of the FutureAdvisor from your Retirement Account’s investment in BlackRock Affiliated Funds may be credited to the Account, as described in Section 8 hereof. Such credits will be reflected on quarterly account statements and in quarterly performance information. Mutual Funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds Mutual Funds in the Account may be made by LPL, with regards to MP Platform Accounts, LPL or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, FutureAdvisor without regard to whether Client a client will be assessed a redemption fee. Client authorizes Neither LPL to deduct all Account Fees and any other fees or charges associated with the Account from the Account and such fees will be noted on Client’s statements. Client acknowledges and agrees that if, LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under this Agreement, then Client will be responsible for remitting such unpaid fees directly to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points of the value of the Account. None of the Advisory Parties nor FutureAdvisor shall be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Account and Service Fees Schedule attached hereto. These fees include, for example, a small account fee each quarter for accounts with balances under $10,000 and an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx.xxx. These fees are not directly based on the costs of the transaction or service by LPL, may include a profit to LPL, and certain of the fees may be lowered or waived for certain customers. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.

Fees and Charges. As a participant in the Program, Client will agrees to pay an annualized fee (“Account Fee”). The maximum components of the Account Fee is are set forth in Schedule A attached hereto. The Account Fee is negotiable between Client and Advisor and is set out in the Account Application. The Account Fee is typically a straight percentage negotiable, based on the value of all the assets in the Account, including cash holdings. The Account Fee also may be structured on a tiered basis, with a reduced percentage rate based on reaching certain thresholds. The Account Fee is and payable quarterly in advance. For purposes of calculating Account Fees and providing quarterly performance information as described in Section 1, the Account quarter will begin on the first day of the next calendar quarter after month in which the Account is accepted by LPL and, exclusively for SMA Platform Accounts, SMA Portfolio Managerunless Client chooses a different quarterly cycle. The initial Account Fee is due at the end of the month first quarter in which this the Account is accepted by SMA Portfolio Manager and LPL and will include a the prorated amount for the initial quarter. Subsequent Account Fees will be assessed at the beginning of each quarterly cycle quarter thereafter and will be based on the value of the Account assets under management as of the close of business on the last business day of the preceding quarter (as valued by an independent pricing service, where available, or otherwise in good faith as reflected on in Client’s quarterly performance report or statementreport) and based on the fee rate in effect at the time of assessment. At the time of a subsequent Account Fee assessment, the Account Fee will be adjusted for deposits and withdrawals during the prior quarter pro rata based on the asset value of the transaction and based on the fee rate in effect at the time of the assessment. If there is a change in the Account Fee rate negotiated between Advisor IAR and Client during the quarter, the effective date of any increase or decrease will be at the beginning of the next quarterly cycle. All Account Fees will be deducted from the Account pursuant to the authorization granted under Section 1617. The Client authorizes LPL to deduct all Account Fee referenced in Schedule A includes all Fees and any additional fees or charges from the Account unless other arrangements have been made for an Account pursuant to Section 17. All such fees and charges for will be noted on Client’s statements. If Client has paid a commission on the services purchase of SMA Portfolio Manager or Model Advisora security in a brokerage account held at LPL within up to two years of the transfer of the security into the Account, LPL, and Advisor, including brokerage commissions for transactions effected through LPL. Client understands that the Advisory Parties, in connection with the performance of their respective services, shall may be entitled to and will share in the Account Fees payable hereunder. A a credit for a portion of the Account Fee is paid to the SMA Portfolio Manager in the case of the SMA Platform and the Model Advisor in the case of the MP Platform. The portion of the Account Fee paid to the SMA Portfolio Manager or Model Advisor may differ from the portion paid to another available for Client to select through the Program, and also may vary depending on which investment strategy or Model Portfolio is selected. Thus, the amount of the Account Fee retained by each of LPL and Advisor may be more or less depending on which SMA Portfolio Manager or Model Portfolio is selected by Client. Furthermore, if a SMA Portfolio Manager or Model Advisor does not charge a fee, the amount of the Account Fee retained by LPL and Advisor will be more. In the case of the SMA Platform, SMA Portfolio Manager pays LPL a portion of the costs associated with the use of technology necessary for the SMA Portfolio Manager to perform its services under the ProgramFee. Client also incurs certain charges imposed by LPL or third parties or LPL other than IAR in connection with investments made through the Account, including, but not limited toincluding among others, the followingfollowing types of charges: mutual fund 12b-112b-1 fees, sub transfer agentsubtransfer agent fees, networking and/or fees, omnibus processing fees, mutual fund management fees and administrative expensesservicing fees, fees related to American Depository Receipts, certain deferred sales charges on previously purchased mutual funds and other transaction charges and service fees, XXX and qualified retirement plan account termination fees, administrative servicing fees for trust accounts, and other taxes and charges required by law or imposed by exchanges or regulatory bodies. LPL receives all or a portion of certain of these fees. Further information regarding charges and fees assessed by any fund held in the Account are available in the appropriate prospectus. As an example of the foregoing, an industry-wide charge mandated by a regulator applies to sales of certain securities in the Account. The amount of this regulatory fee may vary over time, and because variations might not be immediately known to LPL, the amount may be estimated and assessed in advance. To the extent that such estimated amount differs from the actual amount of the regulatory fee, LPL retains the excess. These charges will be reflected on transaction confirmations and/or monthly statements. Mutual funds may also charge a redemption fee if a redemption is made within a specific time period following the investment. The terms of any redemption fee will be are disclosed in the fund’s prospectus. Decisions regarding the sale of mutual funds in the Account may be made by LPL, with regards to MP Platform Accounts, or by the SMA Portfolio Manager, with regards to SMA Platform Accounts, LPL without regard to whether Client will be assessed a redemption fee. Client authorizes For Retirement Accounts, 12b-1 fees paid to LPL to deduct all Account Fees and any other fees or charges associated with by mutual funds held in the Account from the Account and such fees will be noted credited to the Account. Such credits will be reflected on Client’s statementsmonthly account statements and quarterly performance reports. Client acknowledges and agrees that if, No portion of the 12b-1 fees for Retirement Accounts may be utilized for the benefit of LPL fails to pay SMA Portfolio Manager any fees (or portion thereof) when due because Client has failed to pay LPL fees owed under the IAR. For the purposes of this Agreement, then a Retirement Account is an account of a Client will be responsible for remitting such unpaid fees directly that is an ERISA plan or a plan otherwise subject to the SMA Portfolio Manager. With respect to MP Platform Accounts, LPL will retain a fee for its services as portfolio manager equal to 5 basis points Section 4975 of the value of the AccountInternal Revenue Code. None of the Advisory Parties LPL shall not be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of Client. In connection with servicing the Account, Client acknowledges and agrees that Client will be charged by LPL certain additional incidental miscellaneous fees and charges. These fees are set out in the Miscellaneous Account and Service Fees Schedule attached hereto. These fees include, for example, an account termination fee for processing a full account transfer to another financial institution. LPL makes available a current list of these fees on its website at xxx.xxx.xxx. These fees are not directly based on the costs of the transaction or service by LPL, may include a profit to LPL, and certain of the fees may be lowered or waived for certain customers. These fees are subject to change at the discretion of LPL. You will be notified of these charges and any changes through information provided with your periodic statements. These fees and charges in effect for the Account shall continue until thirty (30) days after LPL has notified Client in writing of any change in the amount of the fees and or charges applicable to the Account, at which time the new fees and or charges will become effective unless Client notifies LPL in writing that the Account is to be closed.