INVESTMENT ONLY (NON-CUSTODIAL) RETIREMENT PLAN APPLICATION

Transcription

1 INVESTMENT ONLY (NON-CUSTODIAL) RETIREMENT PLAN APPLICATION COMPLETE YOUR E*TRADE APPLICATION IN THREE EASY STEPS The Investment Only (Non-Custodial) Retirement Plan Application you requested begins on the following page. To complete your application, simply: 1. SCROLL DOWN AND FILL OUT EACH FIELD BY TYPING IN THE APPROPRIATE INFORMATION. If you would like to complete the application by hand, skip this step and move on to Step ONCE YOU HAVE PROVIDED THE REQUESTED INFORMATION, REVIEW YOUR APPLICATION TO ENSURE IT IS COMPLETE AND PRINT IT BY CLICKING THE BUTTON ON THE TOP TOOLBAR. 3. SIGN AND DATE YOUR APPLICATION, AND MAIL IT TO THE APPROPRIATE ADDRESS: By overnight mail: E*TRADE Securities LLC Harborside Hudson Street, Suite 501 Jersey City, NJ By regular mail: E*TRADE Securities LLC P.O. Box 484 Jersey City, NJ General Fax Number: From Outside the US: Need Help? Call to speak with a Retirement Specialist from 7AM to 8PM EST, Monday through Friday. Note: Please include a Fax Cover Sheet when submitting documents by facsimile. Notarized documents, stock certificates, and other forms for which the original document is needed cannot be submitted by facsimile. 1 of 12

2 INVESTMENT ONLY (NON-CUSTODIAL) RETIREMENT PLAN APPLICATION WHO MAY OPEN THIS ACCOUNT Use this application to open a brokerage account to invest the assets of your company retirement plan if you have adopted a plan using an individually designed or prototype plan document. An account can be established for the purpose of managing pooled retirement plan assets or for the benefit of a single retirement plan participant. TO OPEN A POOLED ACCOUNT HOW IT WORKS: Open one pooled account where the plan trustee(s) or administrator directs the investment activity for the entire plan. Enrolled plan participants have no control over this account. Funds are pooled in the same account and all investments are owned at the plan level. Separate accounting for plan participants is managed independently by the trustee(s) or a third-party administrator. HOW TO APPLY: 1. Investment Only (Non-Custodial) Retirement Plan Application - complete and return a single application signed by all plan trustees. 2. Options Trading Application & Agreement - required only if your plan allows options trading and you would like to apply for this feature. 3. Plan Documentation - attach a copy of the pages of your retirement plan that include the full trust name, the identity of all trustees, and all trustee signatures (this information is typically found on the first and last pages of your plan documentation). TO OPEN A PARTICIPANT- DIRECTED ACCOUNT HOW IT WORKS: Open separate accounts and authorize each enrolled plan participant or the plan administrator to direct the investment activity. The account will be established for the benefit of ( FBO ) one plan participant and you may not pool plan assets from other participants in the same account. You may permit the participant to have trading authorization over the account if your plan allows it and by selecting the appropriate box in section 7. HOW TO APPLY: 1. Investment Only (Non-Custodial) Retirement Plan Application - complete and return a signed application for each participant. 2. Options Trading Application & Agreement - required only if your plan allows options trading and you would like to apply for this feature. 3. Plan Documentation - attach a copy of the pages of your retirement plan that include the full trust name, the identity of all trustees, and all trustee signatures (this information is typically found on the first and last pages of your plan documentation). Notification of ERISA 408(b)(2) disclosure to responsible plan fiduciary The US Department of Labor (DOL) Section 408(b)(2) rule requires certain service providers of ERISA plans to disclose certain information to responsible plan fiduciaries of ERISA plans, including all direct and indirect compensation received for services provided. You can access additional information about this disclosure by visiting the DOL s Fact Sheet: sites/default/files/ebsa/about-ebsa/our-activities/resource-center/fact-sheets/final-regulation-service-provider-disclosuresunder-408b2.pdf If you are the plan fiduciary, you are responsible for ensuring that all plan fees and expenses of the plan are reasonable and appropriate. This includes fees paid to all service providers. Please see E*TRADE s 408(b)(2) disclosure information at As the plan fiduciary, you should receive, review and keep in your files all of the 408(b)(2) disclosures received from all entities providing services to your plan. E*TRADE Securities will provide this account as an investment vehicle only and does not provide any recordkeeping or tax reporting services. Your plan must be a qualified plan under Section 401(a) of the Internal Revenue Code. Plans that are qualified under Section 401(a) include defined contribution plans (i.e., 401(k), money purchase, profit sharing) and defined benefit plans. Plans that are not qualified under 401(a) include, but are not limited to, 403(b) plans and IRAs. 2 of 12

3 INVESTMENT ONLY (NON-CUSTODIAL) RETIREMENT PLAN APPLICATION IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver s license or other identifying documents. 1. PLAN INFORMATION Company Name Plan Name (i.e. ABC Company 401(k) Plan) Type of Plan 401(k) Profit Sharing Money Purchase Defined Benefit/Pension Plan Plan s Tax ID Number or EIN 457 Other Qualified Plan (please specify) Business Street Address (cannot be a P.O. Box) Date Plan Established (mm/dd/yyyy) Mailing Address (if different from above; P.O. Box may be used) Plan Structure: Pooled Account: The trustee(s) or plan administrator(s) will direct the investment activity for the entire plan. Participant-Directed Account: This account will be established for only one plan participant. The account will be titled as Plan Name FBO [For the Benefit Of] Participant Name. The Participant can have limited trading authority on the account if selected in Section ENTER INFORMATION ABOUT PLAN TRUSTEE(S) (THE PARTICIPANT SHOULD NOT BE LISTED IN THIS SECTION UNLESS ALSO A TRUSTEE) Mr. Mrs. PLAN TRUSTEE Mr. Mrs. PLAN TRUSTEE Jr. Sr. Esq. Other Jr. Sr. Esq. Other Home Address (cannot be a P.O. Box) Home Address (cannot be a P.O. Box) Mailing Address (if different from above; P.O. Box may be used) Mailing Address (if different from above; P.O. Box may be used) Code Home Phone Code Business Phone Code Home Phone Code Business Phone Address (required for account updates) Address (required for account updates) Social Security Number Social Security Number IF YOU ARE NOT A U.S. RESIDENT, PLEASE PROVIDE THE FOLLOWING INFORMATION Passport Number Passport of Issuance Passport Number Passport of Issuance (please attach Form W-8BEN) (please attach Form W-8BEN) NOTE: If you are a non-u.s. resident, please attach a photocopy of your passport or government-issued identification. We cannot open the account without this documentation. IF YOU ARE NOT A U.S. CITIZEN, PLEASE PROVIDE THE FOLLOWING INFORMATION 3 of 12

4 IF YOU HAVE BEEN AT YOUR CURRENT ADDRESS FOR LESS THAN SIX MONTHS, PLEASE PROVIDE YOUR PREVIOUS ADDRESS Street Address Street Address City, State, Zip City, State, Zip EMPLOYMENT STATUS Employed Self-Employed* Retired Student Not Employed Employed Self-Employed* Retired Student Not Employed Employer Specific Occupation Employer Specific Occupation Line of Business *(this box must be filled in for self-employed persons) Line of Business *(this box must be filled in for self-employed persons) Business Street Address Business Street Address Are you employed by a registered broker-dealer, a securities exchange, or FINRA? Are you employed by a registered broker-dealer, a securities exchange, or FINRA? No Yes (you must submit a compliance letter with this application) No Yes (you must submit a compliance letter with this application) Are you an officer, 10% shareholder or policymaker of a publicly held company? No Yes (specify companies) Are you an officer, 10% shareholder or policymaker of a publicly held company? No Yes (specify companies) 3. BENEFICIAL OWNERSHIP INFORMATION (ENTER INFORMATION ABOUT THE BENEFICIAL OWNERS (THIS SECTION SHOULD BE COMPLETED ONLY IF POOLED ACCOUNT IS SELECTED AS THE PLAN STRUCTURE IN SECTION 1) Please complete this section only if the pooled account is either a) a non-trust entity or b) a statutory trust created by filing with a Secretary of State or similar office. To fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also utilize a third-party information provider for verification purposes and/or ask for a copy of your driver s license or other identifying documents. This form requires you to provide the name, address, date of birth and social security number (or passport number or other similar information, in the case of foreign persons) for both of the following: Control Person An individual with significant responsibility for managing the entity (for example, a chief executive officer, chief financial officer, chief operating officer, managing member, general partner, president, vice president, or treasurer). Beneficial Owner Each individual, if any, who owns, directly or indirectly, 10% or more of the equity interests (e.g. shares) of the entity. An individual is an indirect beneficial owner if his/her ownership interest is held through another entity. If the individual who has significant responsibility for managing the entity also owns 10% or more of the entity, please enter the information in both the Control Person and Beneficial Owner sections below. CONTROL PERSON Mr. Mrs. Title Residence Status U.S. Citizen Nor Resident Alien IF THE CONTROL PERSON IS NOT A U.S. CITIZEN, PLEASE PROVIDE THE FOLLOWING INFORMATION. of Issuance Government ID 4 of 12

5 3. BENEFICIAL OWNERSHIP INFORMATION (CONTINUED) (ENTER INFORMATION ABOUT THE BENEFICIAL OWNERS (THIS SECTION SHOULD BE COMPLETED ONLY IF POOLED ACCOUNT IS SELECTED AS THE PLAN STRUCTURE IN SECTION 1) If there are one or more beneficial owners who own, directly or indirectly, 10% or more of the equity interests of the legal entity, please complete the sections below for each beneficial owner. (This section does not apply to Non-Profit Organizations) BENEFICIAL OWNER 1 BENEFICIAL OWNER 2 IF THE BENEFICIAL OWNER IS NOT A U.S. CITIZEN, PLEASE PROVIDE THE FOLLOWING INFORMATION. of Issuance Government ID of Issuance Government ID BENEFICIAL OWNER 3 BENEFICIAL OWNER 4 IF THE BENEFICIAL OWNER IS NOT A U.S. CITIZEN, PLEASE PROVIDE THE FOLLOWING INFORMATION. of Issuance Government ID of Issuance Government ID 5 of 12

6 3. BENEFICIAL OWNERSHIP INFORMATION (CONTINUED) (ENTER INFORMATION ABOUT THE BENEFICIAL OWNERS (THIS SECTION SHOULD BE COMPLETED ONLY IF POOLED ACCOUNT IS SELECTED AS THE PLAN STRUCTURE IN SECTION 1) BENEFICIAL OWNER 5 BENEFICIAL OWNER 6 IF THE BENEFICIAL OWNER IS NOT A U.S. CITIZEN, PLEASE PROVIDE THE FOLLOWING INFORMATION. of Issuance Government ID of Issuance Government ID BENEFICIAL OWNER 7 BENEFICIAL OWNER 8 IF THE BENEFICIAL OWNER IS NOT A U.S. CITIZEN, PLEASE PROVIDE THE FOLLOWING INFORMATION. of Issuance Government ID of Issuance Government ID 6 of 12

7 3. BENEFICIAL OWNERSHIP INFORMATION (CONTINUED) (ENTER INFORMATION ABOUT THE BENEFICIAL OWNERS (THIS SECTION SHOULD BE COMPLETED ONLY IF POOLED ACCOUNT IS SELECTED AS THE PLAN STRUCTURE IN SECTION 1) BENEFICIAL OWNER 9 BENEFICIAL OWNER 10 IF THE BENEFICIAL OWNER IS NOT A U.S. CITIZEN, PLEASE PROVIDE THE FOLLOWING INFORMATION. of Issuance Government ID of Issuance Government ID 4. ENTER INFORMATION ABOUT THE PARTICIPANT (THIS SECTION SHOULD BE COMPLETED ONLY IF PARTICIPANT- DIRECTED ACCOUNT IS SELECTED AS THE PLAN STRUCTURE IN SECTION 1) Mr. Mrs. Jr. Sr. Esq. Other Home Street Address (cannot be a P.O. box) Mailing Address (if different from above; P.O. box may be used) Code Home Phone Code Business Phone Address (required for account updates) Social Security Number or Tax ID Number Employer Specific Occupation Employment Status Employed Self - employed* Retired Student Not Employed Line of Business * (required for self-employed persons) Business Street Address Marital Status Single Married Divorced Widowed Are you employed by a registered broker-dealer, a securities exchange, or FINRA? Number of Dependents (Including self) Other: Are you an officer, director, 10% shareholder, or policymaker of a publicly held company? No Yes (if yes, you must submit a compliance letter with this application) No Yes (specify companies) 7 of 12

8 IF YOU ARE NOT A U.S. RESIDENT, PLEASE PROVIDE THE FOLLOWING INFORMATION Passport Number Passport of Issuance (please attach form W-8BEN) NOTE: If you are a non-u.s. resident, please attach a photocopy of your passport or government-issued identification. We cannot open the account without this documentation. IF YOU ARE NOT A U.S. CITIZEN, PLEASE PROVIDE THE FOLLOWING INFORMATION IF YOU HAVE BEEN AT YOUR CURRENT ADDRESS FOR LESS THAN SIX MONTHS, PLEASE PROVIDE YOUR PREVIOUS ADDRESS Street Address 5. CREATE AN INVESTMENT PROFILE FOR THE ACCOUNT SECURITIES INDUSTRY REGULATIONS REQUIRE THAT WE COLLECT ALL OF THE FOLLOWING INFORMATION Provide this information for the Plan Overall Investment Objective Approximate Net Worth of the Plan for the Plan (choose only one) Capital preservation Minimize the potential for any loss of principal. Income Provide current income rather than growth of principal. Growth Increase investment value over time while accepting price fluctuations. Speculation Assume the highest degree of risk for potentially higher returns. $0 -$24,999 $25,000 -$49,999 $50,000 -$99,999 $100,000 -$499,999 $500,000 -$999,999 $1,000,000+ Approximate Liquid Net Worth of the Plan (cash, stocks, etc.) $0 -$14,999 $15,000 -$24,999 $25,000 -$49,999 $50,000 -$99,999 $100,000 -$199,999 $200,000 -$499,999 $500,000 -$999,999 $1,000,000+ Provide this information for each Plan Trustee if Pooled Account was selected as the Plan Structure in Section 1 (attach a copy of this section if more than two Plan Trustees) Investment Plan Trustee Co-Authorized Plan Trustee None Limited Good Excellent None Limited Good Excellent Provide this information for the Participant if Participant-Directed account was selected as the Plan Structure in Section 1 Overall Investment Objective for This Account (choose only one) Investment Annual Income Approximate Net Worth (excluding residence) Approximate Liquid Net Worth (cash, stocks, etc.) Capital preservation Minimize the potential for any loss of principal. Income Provide current income rather than growth of principal. Growth Increase investment value over time while accepting price fluctuations. Speculation Assume the highest degree of risk for potentially higher returns. None Limited Good Excellent $0 -$14,999 $15,000 -$24,999 $25,000 -$49,999 $50,000 -$99,999 $100,000 -$199,99 $200,000+ Where will the assets to fund this account primarily come from? (select one) Securities Insurance Proceeds $0 -$24,999 $25,000 -$49,999 $50,000 -$99,999 $100,000 -$499,999 $500,000 -$999,999 $1,000,000+ $0 -$14,999 $15,000 -$24,999 $25,000 -$49,999 $50,000 -$99,999 $100,000 -$199,999 $200,000 -$499,999 $500,000 -$999,999 Personal Funds Real Estate Proceeds Inheritance / Gift Pension / IRA / Retirement Savings Income from Earnings Other (please specify) Will anyone other than the Plan Trustee(s) or Participant have trading authorization over the account? Yes No If yes, please complete and mail the Power of Attorney form to add an individual as having trading authority. This form can be found on our website under `Form and Applications. What is the purpose and expected use of the account? (choose only one) Investment account with frequent transfers Investing for tax planning Long term investment with occasional transfers Investing for estate planning Investing for college/minor Investing for retirement 8 of 12

9 6. SELECT YOUR ACCOUNT FEATURES Uninvested Cash Program (1) At the end of each business day, your uninvested cash will be automatically swept into one of the options below. Select only one of the following choices for the uninvested cash in your account. If no option is selected, you will default to the Retirement Sweep Deposit Account (RSDA) program. You may change your selection at any time. For current rates and other information, go to etrade.com/rates. Cash Balance Program (2) RSDA (offers daily interest and FDIC insurance up to $500,000) (3) (1) You have the option to have cash balances in your securities account automatically treated as free credit balances at E*TRADE Securities or transferred to an account at a bank or banks whose deposits are insured by the FDIC (collectively, Sweep Program ). For detailed information of the general terms and conditions of the products available through the Sweep Program go to sweepoptions. The products available under the Sweep Program may change at any time. By signing this application, you are providing your written affirmative consent to have your cash balance included in the Sweep Program with the default option or the option selected by you. (2) Free Credit Balances at E*TRADE Securities. (3) If you select RSDA, we will provide you a copy of the RSDA Program Customer Agreement which can also be found at as part of the Bank Sweep Account Agreements. In the RSDA program, your available cash balances will automatically sweep between the retirement account and a deposit account at one or more banks affiliated with E*TRADE ( Program Banks ), with deposits at each Program Bank insured by the Federal Deposit Insurance Corporation for up to $250,000. The total FDIC insurance coverage for cash in your RSDA account will be up to $500,000 per account. Any amount in excess of $500,000 will not be covered by FDIC insurance. You also should include other accounts you hold in the same title and capacity at any of the Program Banks in calculating FDIC insurance coverage limits, because coverage limits are set per customer across all accounts. For more information regarding FDIC insurance coverage limits, please visit Receive Your Account Documents Online For your convenience, account documents such as monthly statements and trade confirmations will be delivered to you electronically via a secure online file cabinet instead of by U.S. mail. We will notify you at the primary authorized person s address provided in section 2 whenever a new document is available. This feature is provided automatically, unless declined below. I would prefer to receive the following items by U.S. mail: Monthly Statements Trade confirmations Prospectuses Corporate reports, proxies, and reorganization notices Tax Documents You must provide us with your address in section 2 to receive electronic account documents. You may change your delivery preferences at any time. With respect to documents you elect to receive electronically, you agree to all of the terms governing Electronic Delivery of Documents of the E*TRADE Customer Agreement at com/custagree. 7. PARTICIPANT LIMITED TRADING AUTHORITY AND DUPLICATE DOCUMENTS (OPTIONAL) As plan trustee, it is your responsibility to ensure that all account transaction and investment instructions provided are in accordance with the underlying plan and trust. Designate below if you want to give the plan participant the right to inquire, trade, buy and sell in the account. Only the trustee is authorized to direct and make withdrawals. Participants should not undertake action to request withdrawals. The designations granted in this section will remain in effect until such time as appropriate written notification of revocation or termination or significant alteration is received by E*TRADE at P.O. Box 484, Jersey City, NJ By checking this box, I hereby grant or certify that I have granted the Participant the authority to trade. By checking this box, I request that the Participant be given duplicate copies of trade confirmations. By checking this box, I request that the Participant be given duplicate copies of account statements. 9 of 12

10 8. THIRD PARTY ADMINISTRATOR DUPLICATE DOCUMENTS (OPTIONAL) The designations granted below will remain in effect until such time as appropriate written notification of revocation or termination or significant alteration is received by E*TRADE at P.O. Box 484, Jersey City, NJ By checking this box, I request that the Third Party Administrator be given duplicate copies of trade confirmations. By checking this box, I request that the Third Party Administrator be given duplicate copies of account statements. Name Mailing Address 9. PROVIDE A TRUSTED CONTACT PERSON ( TCP ) (OPTIONAL) By choosing to provide information about a trusted contact person, you authorize E*TRADE to contact and to disclose information about your account to that person in the following circumstances: to address possible financial exploitation, to confirm the specifics of your current contact information, health status, or the identity of any legal guardian, executor, trustee or holder of a power of attorney, or as otherwise permitted by applicable law. TRUSTED CONTACT PERSON First Name* Last Name* Relationship Code* Phone Number* Address *If you choose to designate a TCP, these are required fields 10. SIGN AND DATE YOUR APPLICATION (ALL TRUSTEES MUST SIGN THE APPLICATION AND PARTICIPANT MUST SIGN IF PARTICIPANT-DIRECTED ACCOUNT WAS SELECTED AS PLAN STRUCTURE IN SECTION 1) I am of legal age to enter into this contract. I acknowledge that I have received, read, and agree to be bound by the terms and conditions as currently set forth in the E*TRADE Customer Agreement and as amended from time to time. The E*TRADE Customer Agreement is available online at or by calling I confirm and acknowledge that neither E*TRADE Securities LLC nor any of its affiliates provides investment, tax or legal advice except to extent set forth in Section 9 of the Customer Agreement. I understand that you will supply my name to issuers of any securities held in this account so that I might receive any important information regarding the securities, unless I notify you in writing not to do so. By signing this application, each Trustee signing below hereby also certifies the following: There are no Trustee(s) of the trust other than those listed in Section 2 of this application. The undersigned Trustee(s) certify that (a) the plan expressly provides that each Trustee is authorized to act individually, independently, and without the consent of the other Trustee(s) for all purposes related to the plan, or (b) if the plan does not contain such an express provision, the Trustee so acting has obtained the requisite consent of the other Trustees in accordance with the requirements of the plan. We, the Trustees, certify that we have the power under the plan agreement to enter into transactions for the purchase and sale of securities and other investments, including, without limitation, stocks (preferred or common), bonds, mutual funds, ETFs, and certificates of deposit. We, the Trustees, assume all fiduciary responsibility as Trustee(s) of the plan assets, as well as administrative responsibility for all applicable recordkeeping, tax reporting, and tax withholding requirements. If the plan covers more than 100 participants, we acknowledge that it is the Trustees responsibility to request information needed from E*TRADE to complete IRS Form 5500 and any applicable schedules. We acknowledge that E*TRADE Securities LLC acts only as custodian of assets and a broker for securities transactions. E*TRADE Securities LLC is not a trustee or administrator of the plan and has no duty to advise me regarding any issues or matters regarding the plan s qualification. We, the Trustees, have obtained, and will maintain, a plan and Trust agreement qualified under Section 401(a) of the Internal Revenue Code. We, the Trustees, agree to inform you in writing of any change in the composition of the Trustees, or any other event that could alter the certifications made above. We, the Trustees, have received, reviewed and accept the ERISA Section 408(b)(2) disclosure provided by E*TRADE Securities LLC. By signing this application, the Participant (if Participant-Directed account was selected as the Plan Structure in Section 1) signing below hereby also certifies that he/she will ensure that any transactions, requests, or account activity he/she undertakes in the account will be in accordance with the terms of the underlying plan and trust. Any transaction in the account that contradicts the terms of the plan will be the responsibility of the trustee / participant and not E*TRADE Securities or its affiliates. 10 of 12

11 10. SIGN AND DATE YOUR APPLICATION (CONTINUED) (ALL TRUSTEES MUST SIGN THE APPLICATION AND PARTICIPANT MUST SIGN IF PARTICIPANT-DIRECTED ACCOUNT WAS SELECTED AS PLAN STRUCTURE IN SECTION 1) Under penalties of perjury, I certify that: 1. The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and 2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and 3. I am a U.S. citizen or other U.S. person (defined below), and 4. The FATCA code(s) entered on this form (if any) indicating that I am exempt from FATCA reporting is correct. 5. To the best of my knowledge, the beneficial ownership information provided is complete and correct. Certification instructions. You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest and dividends on your tax return. For real estate transactions, item 2 does not apply. For mortgage interest paid, acquisition or abandonment of secured property, cancellation of debt, contributions to an individual retirement arrangement (IRA), and generally, payments other than interest and dividends, you are not required to sign the certification, but you must provide your correct TIN. Certification Instructions I am not a U.S. individual and have attached Form(s) W-8BEN to this application to claim foreign status or treaty benefits. I have also included a copy of my passport or government issued ID. I acknowledge I have been informed by E*TRADE Securities LLC, and that I understand, that securities products, such as stocks, bonds, options, mutual funds, and exchange-traded funds and other securities products and services offered by E*TRADE Securities are not insured by the FDIC, are not deposits or other obligations of, and are not guaranteed by either E*TRADE Bank c/o Financial Corporation, E*TRADE Savings Bank or any other bank, and are subject to investment risks, including the possible loss of the principal amount invested. I UNDERSTAND THAT THIS ACCOUNT IS GOVERNED BY A PREDISPUTE ARBITRATION CLAUSE. I acknowledge that I have received and read a copy of the E*TRADE CUSTOMER AGREEMENT which contains a pre-dispute Arbitration Agreement at Section 12. The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding. Signature of Plan Trustee Date Signature of Plan Participant (if Participant-Directed account) Date Printed Name Printed Name Signature of Plan Trustee Date Printed Name System response and account access times may vary due to a variety of factors, including trading volumes, market conditions and system performance. The E*TRADE Financial family of companies provides financial services, including trading, investing, and banking products and services, to retail customers. Securities products and services are offered by E*TRADE Securities LLC, member FINRA/SIPC E*TRADE Financial Corporation. All rights reserved. 11 of 12

12 11. OPTIONS TRADING APPLICATION AND AGREEMENT (ALSO COMPLETE SECTIONS 1 THROUGH 10 ABOVE) OPTIONS ACTIVITY REQUESTED; YOU WILL BE CONSIDERED FOR LEVEL ONE (WRITE COVERED CALLS) ONLY. THIS IS A CAPITAL PRESERVATION / INCOME STRATEGY. PLAN TRUSTEE (PROVIDE ONLY THE FIRST PLAN TRUSTEE S INFORMATION. IF THERE IS MORE THAN ONE PLAN TRUSTEE, PLEASE ATTACH ADDITIONAL COPIES OF THIS PAGE.) Marital Status Number of Dependents (Including Self) Options Investment Knowledge and Options Trading Years of Trading Average Transaction Size Single 1 None None Stocks $0 -$9,999 Married Divorced 2 3 Limited Good Covered Call Writing Covered Puts Bonds Options Purchases Widowed 4 Excellent Spreads Futures Other Uncovered Puts Total Transactions Per Year Stocks Options $10,000 -$24,999 $25,000+ Bonds Futures PARTICIPANT Marital Status Number of Dependents (Including Self) Options Investment Knowledge and Options Trading Years of Trading Average Transaction Size Single 1 None None Stocks $0 -$9,999 Married Divorced Widowed Other Limited Good Excellent Covered Call Writing Covered Puts Purchases Spreads Uncovered Puts Bonds Options Futures $10,000 -$24,999 $25,000+ Total Transactions Per Year Stocks Options Bonds Futures Read and sign below if you are applying to trade options. Important: You must also sign in section 10 before we can open your account. I agree not to enter into any options transactions until I have received, read, and understood the disclosure document entitled Characteristics and Risks of Standardized Options issued by the Options Clearing Corporation which can be found at I am aware of the special risks and obligations of options trading. I have read and understood and agree to be bound by the options trading terms and conditions outlined in the E*TRADE Customer Agreement (which can be found at and agree that I am bound by it as it is currently in effect and as it is amended from time to time. As the plan Trustee, I certify that the Plan document allows covered options trading, and I am specifically authorized to trade covered calls. I UNDERSTAND THAT THIS ACCOUNT IS GOVERNED BY A PREDISPUTE ARBITRATION CLAUSE. I acknowledge that I have received and read a copy of the E*TRADE CUSTOMER AGREEMENT which contains a pre-dispute Arbitration Agreement at Section 12. Plan Trustee Signature Date Participant Signature Date For E*TRADE Securities Only I have received this application and believe the account is suitable for: Cash Options Level-One System response and account access times may vary due to a variety of factors, including trading volumes, market conditions and system performance. The E*TRADE Financial family of companies provides financial services, including trading, investing, and banking products and services, to retail customers. Securities products and services are offered by E*TRADE Securities LLC, member FINRA/SIPC E*TRADE Financial Corporation. All rights reserved. 12 of 12

13 Legal Documents Document Name URL Basic Securities and Brokerage E*TRADE Customer Agreement IRA Account Agreement Roth IRA Account Agreement SIMPLE IRA Account Agreement Business Continuity Plan Privacy Statement Regulatory Notices Options and Margins Characteristics of Standardized Options Margin Disclosure Statement Day Trading Disclosure Risk Disclosure Statement Special Statement for Uncovered Options Writers Uninvested Cash Options Sweep Rate Schedule RSDA Agreement E*TRADE Account Agreement, Disclosures, and Terms I am of legal age to agree to the terms herein and I will be providing an electronic signature as part of this account opening process which is the equivalent of a written signature. Under penalties of perjury, (1) the taxpayer identification number I submitted on this online application is my correct number (or I am waiting for a number to be issued to me), and (2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and (3) I am a U.S. citizen or other U.S. person. The IRS does not require my consent to any provision of this document other than the certification required to avoid backup withholding. I have been informed by E*TRADE and understand that securities products, such as stocks, bonds, options, mutual funds, and exchange traded funds and other securities products and services offered by E*TRADE are not insured by the Federal Deposit Insurance Corporation (FDIC), are not deposits or other obligations of, and are not guaranteed by either E*TRADE Bank, E*TRADE Savings Bank or any other bank, and are subject to investment risks, including the possible loss of the principal amount invested. Additionally, I confirm and acknowledge that neither E*TRADE Securities LLC nor any of its affiliates provides investment, tax or legal advice except to extent set forth in Section 9 of the Customer Agreement. I have received and reviewed all of the above disclosures, notices, and I agree to be bound by terms and conditions set forth in any above-listed E*TRADE product agreement, the E*TRADE Customer Agreement, and any applicable supplements contained therein, each of which is linked above, as may be amended from time to time in accordance with the terms thereof (collectively, E*TRADE Account Agreement ). LEGAL DOCUMENTS 1118-RETLGL-B66135