Portfolio Connection Brokerage Account Fee Schedule

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Mildred Walton
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1 Connection Brokerage Account Fee Schedule Effective January 1, c_02040_ Conne1 1 10/30/08 3:00:20 P

2 Connection Brokerage account Fees Effective January 1, Please be advised that this fee schedule is in addition to the UnionBanc Investment Services Standard Fee & Commission Schedule. Minimum Opening Deposit...$10, Annual Fee The Annual Fee will be assessed to Connection Brokerage accounts that do not maintain the required Average Total Market Value (TMV) for the previous 12 months: $100, or More Yearly Average TMV...$ NO FEE Less Than $100, Yearly Average TMV...per year $ (see below on how this fee is assessed) Accounts Opened Prior to October 1, 2000 The Annual Fee will be assessed each subsequent year in October, based on the account s Annual Average Total Market Value for the previous 12 months. Newly Established Accounts The Annual Fee will be assessed annually on the anniversary date that the account was established. The Annual Fee will be based on the Average Total Market Value of the account for the previous 12 months. Monthly Minimum Balance Fee The Monthly Fee will be assessed to Connection accounts that do not maintain the required Monthly Average Total Market Value (TMV) on the last business day of the statement period. $10, or More Monthly Average TMV...$ NO FEE Less Than $10, Monthly Average TMV...per month $ 9.00 (see below on how this fee is assessed) Connection and other investments are available through UnionBanc Investment Services LLC, a registered broker-dealer, investment advisor, member FINRA/SIPC, and subsidiary of Union Bank of California, N.A.: Are NOT insured by the FDIC or by any other federal government agency n Are NOT Bank deposits n Are NOT guaranteed by the Bank or any Bank Affiliate n MAY lose value TMV is the dollar value held in any combination of stocks, bonds, cash, etc. in a Connection account. Average TMV is calculated as follows: Calculate the sum of the balances for each day of the month and then divide by the number of days in that month. 1 UBC2440-c_02040_ Conne /30/08 3:00:20 PM

3 Cash Management Fees (offered through Union Bank of California) Stop Payment Fee If Ordered Through: Online Banking... $ Telephone Banking Direct Service...$ Telephone Banking Personal Service...$ Banking Office or Connection... $ Direct Banking Center... $ Stop Payment Range Fee If Ordering a Stop Payment on a Range of Checks Through: Telephone Banking Personal Service...$ Banking Office or Connection... $ Non-Sufficient Funds (NSF) Fee In a 12-month period, if your checks or other items are returned or paid, or other transactions are rejected or processed, when your account has non-sufficient funds, the following NSF Fees will apply. Effective January 1, Charges for Each Item up to a Maximum of 5 Items Per Day Returned/ Rejected Items Paid Against Non- Sufficient Funds/ Processed Items 12-month period...per item If 1 2 Occurrences...$ If 3 5 Occurrences...$ If 6+ Occurrences...$ Daily maximum of 5 items: The daily maximum of 5 items applies to the total number of both NSF occurrences. Continued Overdraft Fee: $6 per business day, starting on the fourth calendar day ($60 maximum). ATM Card and Debit Card Services In most cases, there are no charges for using Union Bank ATMs other than regular account fees. Other financial institutions may charge you for using their ATM cards in Union Bank ATMs. Union Bank ATM service is available seven days a week, 24 hours a day, although access and services may be limited at some locations. Deposits cannot be made at certain locations; however, they are clearly marked. ATM Non-sufficient Available Funds Fee An ATM Nonsufficient Available Funds Fee of $1.50 will be charged for each withdrawal or transfer you attempt with an ATM Card or Debit Card at a Network (non-union Bank) ATM when the request is denied due to non-sufficient available funds. This is the only charge we impose when we reject a transaction at a network ATM. Union Bank of California ATM Fees... ATM Networks (Non-Union Bank ATMs): When you use your ATM Card or Debit Card at network ATMs, we charge the following fees: 2 Western Domestic International Transaction Zone Zone Zone Cash Withdrawal...$ Each Transfer...$ Each Balance Inquiry...$ Western Zone California, Oregon, Washington, Nevada Domestic Zone All other states and Washington, D.C. International Zone Anywhere outside the United States, including Guam, Saipan, the Virgin Islands, and Puerto Rico Differences in time zones and business hours of participating financial institutions vary and may affect when you can use an ATM at another bank. Wire Transfer Fee Foreign or Domestic correspondent bank charges may apply. We may deduct our fees from your account or the amount of the transfer. Banking Office, Connection & Direct Access* Centralized Service (CCSU) Incoming Wire Transfer Domestic...each $ N/A International (USD)...each $ N/A International (Foreign)...each $ N/A Outgoing Wire Transfer Domestic Non-Repetitive...each $ Repetitive...each $ International (USD) Repetitive...each $ Non-Repetitive...each $ International (Foreign Currency) Repetitive...each $ Non-Repetitive...each $ Standing Order Domestic...each $ International (USD)...each $ International (Foreign Currency)...each $ Drawdown Reverse Wire (Outgoing 1031 only)...each $ Drawdown Request from Federal Reserve (with Outgoing Wire)...each $ International (USD)...each $ International (Foreign Currency)...each $ Internal Transfer...each $ Investigations (plus cable if needed)...each $ Telex/Phone...each $ Payments by Cash or Check...each $ N/A *Wires initiated directly through Direct Access in the Wire Services department. 3 UBC2440-c_02040_ Conne /30/08 3:00:21 PM

4 Banking Office, Connection & Direct Access* Centralized Service (CCSU) Wire Notification (Union Bank will notify you of all wire activity to your account on your periodic account statement. The following charges apply if you make special arrangements with your banking office to receive notice of wire activity sooner.) Other Fees Mail Notification (Outgoing)...per notice $ Facsimile Notification... per notice $ Fast Fax...per notice $ Telephone Notification... per notice $ Charges to Sender...each $ Exception/Repair...each $ SecurID Token Token (1 2)... $ No Charge No Charge Token (3+)...each $ Replacement/Expired Token...each $ *Wires initiated directly through Direct Access in the Wire Services department. Intermediary Bank fee sharing for incoming wires will become effective January 1, Miscellaneous Fees Additional Items Online* Direct Personal Banking Office or Copy Services (Copy of a) Banking Service Service Connection Check...$ 3.00** 4.00** 5.00** Deposit Slip...$ N/A Deposited item...$ N/A N/A Transaction Services Telephone Transfer...$ Transfer with Confirmation...$ N/A *Check images, and images of deposit slips are free in Online Banking. **2 free copies/month N/A 3.00 Research time (minimum $30)... per hour $ Verification of Deposit (account ratings)... per request $ Counter Checks for Each Check Posted...$ 1.00 (Check Printing Charges vary, based on the number and style of checks ordered. Charges for checks and deposit slips will be based on current charges. These fees may change at any time without notice to you.) Foreign Drafts... each $ Online Business Center Token/Authentication... each $ Item Processing Rejects (checks and deposit slips) Non-Standard MICR...per item $.25 Obsolete Account Number...per item $.25 Excessive Rejects Due to Poor Printing Quality*...per item $.25 *Charge only applies to items in excess of the greater of 3 items or 2% of the total of all such items presented in the statement cycle. Medallion Stamp Guarantee...per visit $ Domestic Collection Items Incoming and Outgoing Collections Clean...$ Documentary... $ International Collection Fee (varies)...minimum $ Escheat Notification Fee... $ 2.00 Return Item Fee...$ 6.00 Automatic Re-Clear Fee...$ 1.50 Duplicate Notice (Return Item)...$ 2.00 Legal Process Fee...$ (Hourly fee for research may apply.) Postdating Checks Telephone Banking Personal Service...$ Banking Office or Connection... $ Travelers Cheques...2% of purchase amount Travelers Cheques for Two...2% of purchase amount Stop Payment for a Cashier s Check... $ (Stop Payment requests are accepted for lost, stolen, or destroyed Cashier s Checks only. A 90-day waiting period is required before replacement) Stop Payment for a Personal Money Order...$ Signature Guarantee/Endorsement Guarantee A signature guarantee is a one-time validation of the signature(s) of the maker(s) or endorser(s) on a check or draft. An eligible guarantor, such as a bank that is federally insured or a member firm of the FINRA, must guarantee signatures. The guarantee must be in the form of a stamp or a typewritten or handwritten guarantee bearing the signature of the authorized officer of the financial institution that is providing the guarantee. (An acknowledgment by a notary public is not an industry-accepted signature guarantee.) Signature Guarantee...per visit $ 5.00 Checks/Money Orders Service Fee Non- Fee Cashier s Checks... $ Money Orders... $ Check Cashing Traveler s Checks... $ 1%, or $7.50 minimum (no charge for American Express Travelers Cheques) Other Banks Checks... $ 7.50 (refundable if account is opened within 30 days) Union Bank of California Checks... $ Union Bank of California reserves the right to charge non-customers $5.00 for checks $25 or more Photocopy Service (per page).. $ Sending Faxes (per page)... $ Enclosed Checks...per month $ 3.00 Dishonored/Returned Checks... per check $ 6.00 Excessive Check Writing...$ NO FEE Check Safekeeping...$ NO FEE Except as outlined above, or as required by law, UnionBanc Investment Services and Union Bank reserve the right to change any of the information contained in fee schedules and disclosure Agreements and the rules of the Bank at any time with or without notice. 5 UBC2440-c_02040_ Conne /30/08 3:00:22 PM

5 Visit us at unionbank.com/invest 2008 Union Bank of California, N.A. Member FDIC (11/08) 3.NF.070.PC c_02040_ Conne8 8 10/30/08 3:00:22 P

Individual Retirement Accounts & Small Business Retirement Plans Fee Schedule

EFFECTIVE JANUARY 22, 2018 Individual Retirement Accounts & Small Business Retirement Plans Fee Schedule including Coverdell Education Savings Accounts TABLE OF CONTENTS INTRODUCTION... 1 Annual Custodial