There s Wealth in Our Approach.

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1 Electroic Fud Trasfers/ Automated Clearig House Services There s Wealth i Our Approach. A divisio of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC.

2 Electroic Fud Trasfers/Automated Clearig House Services This agreemet govers my use of electroic fud trasfer services ad services provided by a automated clearig house ( ACH ) system offered through RBC Capital Markets, LLC (RBC CM). Ay accout I have with RBC CM (a Accout ) comes with the basic services described i this sectio. However, my coveiece ca sometimes be cosiderably ehaced if I authorize RBC CM to debit or credit my Accout electroically, usig the ACH system. Where required, my sigature ad all correct bakig ad routig iformatio shall be provided by me, ad I will ot hold RBC CM liable for ay errors i ACH trasactios caused by ay iaccurate data I have provided. By completig the Set-Up form, I agree to the ACH provisios ad recogize that your ACH Services (as defied below) shall be govered by this sectio of the Cliet Accout Agreemet. Defiitios I This Agreemet: I, me, my, ad cliet meas each perso who sigs a Authorizatio for ACH Services. RBC CM, You ad your meas RBC Capital Markets as the cotext requires ad as determied by such etities pursuat to the applicable clearig agreemet etered ito by them. The followig sectio outlies the descriptio of services offered through the ACH program (ACH Services). You will ot have access to these ACH Services uless you authorize them for your ivestmet accout, by completig the ACH Authorizatio Form. We reserve the right to limit the availability of ACH Services. 1. Electroic Fud Trasfers Disclosures Required By Law. These disclosures are required by law if I am a atural perso whose Accout was established primarily for persoal, family ad household purposes. Most ACH Services are electroic fuds trasfers govered by the rules of the Natioal Automated Clearig House Associatio (icludig ay other rules applicable to automated clearig house trasactios) ad the federal Electroic Fud Trasfer Act ad Federal Reserve Board Regulatio E, ad ay relevat state laws goverig electroic fud trasfers. Ay trasfer whose primary purpose is the purchase or sale of securities or commodities regulated by the Securities ad Exchage Commissio or the Commodity Futures Tradig Commissio is exempt from the federal Electroic Fud Trasfer Act ad Regulatio E, ad I may ot be etitled to the protectios described below i coectio with such trasfers. 2. Types of Electroic Fud Trasfers. The followig types of electroic fud deposits ad paymets ca be processed i my Accout icludig, but ot limited to, trasactios made through ACH Services; card services; deposits, withdraws, paymets ad trasfers from aother fiacial istitutio; ad bill paymets. 3. Types Of ACH Services. I may authorize you to make trasfers betwee my Accout ad oe or more accouts maitaied at fiacial istitutios ( Fiacial Istitutio Accouts, sometimes referred to i this documet as FI Accouts ). By completig my ACH authorizatio form, I may authorize the followig (availability for services varies with Accout type): 1. Trasfers from my Accout to a FI Accout. Depedig upo the way I complete my ACH authorizatio form, trasfers of available fuds i a amout I specify (icludig divideds, iterest ad retiremet distributios) will be made to a FI Accout at the regular itervals I specify. 2. Oe time (telephoe authorizatio) trasfers from my Accout to a FI Accout. If I idicate that I wat a oe time trasfer from my Accout, I may iitiate trasfers by cotactig my Fiacial Advisor, either i perso or by telephoe, subject to ay applicable amout limitatios. 3. Trasfers from a FI Accout to my Accout. Depedig o the way I complete my ACH authorizatio form ad subject to applicable bakig regulatios ad RBC CM policy, trasfers from a FI Accout to my Accout will be made i the amouts ad at itervals I specify. 4. Oe time (telephoe authorizatio) trasfers from a FI Accout to my Accout. If I idicate that I wat a oe time trasfer to my Accout, subject to applicable bakig regulatios ad RBC CM policy, I may iitiate trasfers from specified FI Accouts by cotactig my Fiacial Advisor, subject to ay applicable amout limitatios. 2 RBC CORRESPONDENT SERVICES, A DIVISION OF RBC CAPITAL MARKETS, LLC, MEMBER NYSE/FINRA/SIPC.

3 4. Limitatios Of Oe Time (Telephoe Authorizatio) Trasfers. RBC CM may set aggregate daily limits o the amouts that may be trasferred ito or out of my Accout usig ACH Services. I am also limited i that o trasfer out of my Accout may exceed the combied asset value, or fuds availability, of the type of Accout I have established. For ay sigle ACH trasfer, RBC CM may set (ad may chage from time to time without otice) both a miimum ad a maximum amout. 5. I Case Of Errors Or Questios About My Electroic Fud Trasfers. I will telephoe or write to my Fiacial Advisor as soo as possible if I thik there has bee a error, or if I have questios or eed additioal iformatio regardig a electroic fud trasfer that I am aware of or that is listed o my Accout Statemet. RBC CM must hear from me withi sixty (60) days after RBC CM set me the first statemet o which the problem or error appeared. 6. RBC CM Will Need The Followig Iformatio: 1. My ame ad Accout umber; 2. A descriptio of the error or trasfer I am usure about ad provide a clear explaatio as to why I believe it is a error or why I eed more iformatio; ad 3. The dollar amout of the suspected error or the trasfer i questio. If I tell RBC CM by telephoe, RBC CM may require that I sed RBC CM my cocers or questios i writig withi te (10) Busiess Days. RBC CM will tell me the results of its ivestigatio of my iquiry withi te (10) Busiess Days after RBC CM hears from me ad will correct ay error promptly. If RBC CM eeds more time to resolve the matter, however, RBC CM may take up to forty-five (45) caledar days (iety [90] days if the trasfer is made outside of the Uited States) to ivestigate my cocers or questios. If RBC CM decides to do this ad if my Accout is ot a RBC Express Credit Accout, RBC CM will re-credit my Accout withi te (10) Busiess Days for the amout I thik is i error, so that I will have the use of the moey durig the time it takes RBC CM to complete its ivestigatio. If RBC CM asks me to put my cocers or questios i writig ad RBC CM does ot receive it withi te (10) Busiess Days from the date of request, RBC CM may ot re-credit my Accout. If RBC CM decides that there was o error, RBC CM will reverse the credit previously give ad sed me a writte explaatio withi three (3) Busiess Days after RBC CM fiishes the ivestigatio. Copies of documets used i the ivestigatios will be provided to me upo request. 7. Busiess Days. RBC CM s Busiess Days are Moday through Friday, except holidays whe the New York Stock Exchage, Ic. ( NYSE ) is closed. The Fiacial Istitutio to which or from which I am trasferrig fuds may ot observe the same Busiess Days. For ACH service to be completed, both RBC CM ad the Fiacial Istitutio must be ope for busiess. 8. Notice Of Varyig Amouts. If I have authorized RBC CM to receive or sed systematic trasfers ito or out of my Accout, I am etitled to otificatio from RBC CM if the amout or frequecy of the trasfers varies. However, RBC CM will oly sed otice uder the circumstaces set forth i your Authorizatio. 9. Procedure For Stoppig Paymets Ad RBC CM s Liability For Failure To Stop Paymets For Pre-Authorized Trasfers. I may stop paymet of ay pre-authorized electroic fud trasfer (i.e., ay recurrig trasfer that I have authorized RBC CM to make by my siged Authorizatio) by otifyig RBC CM by telephoe or i writig at ay time up to three (3) Busiess Days before the scheduled date of the trasfer. If I order RBC CM to stop oe of these paymets three (3) Busiess Days or more before the trasfer is scheduled, ad RBC CM does ot do so, RBC CM will be liable for my losses or damages caused by RBC CM s failure. Note: I the case where the request is set through the mail, RBC CM has three (3) Busiess Days from the receipt of my writte request to comply. ELECTRONIC FUND TRANSFERS/AUTOMATED CLEARING HOUSE SERVICES 3

4 10. RBC CM s Liability For Failure To Make Trasfers. If RBC CM does ot complete a trasfer to or from my Accout o time or i the correct amout accordig to my agreemet with RBC CM, RBC CM will be liable for my losses or damages caused by RBC CM s failure. RBC CM will oly be liable for my proved actual damages if RBC CM s failure was ot itetioal ad resulted from a boa fide error, despite reasoable precautios RBC CM has take. However, there are some exceptios. For example, RBC CM will ot be liable if: Through o fault of RBC CM, I do ot have eough cash i my FI Accout or adequate combied asset value or fuds availability i my Accout, as the case may be, to make the trasfer. Circumstaces beyod RBC CM s cotrol (icludig, but ot limited to, fire or flood) prevet the trasfer, despite reasoable precautios RBC CM has take. The fuds are subject to legal process or other restrictios. I have ot provided accurate Accout iformatio to complete the trasfer. The trasfer would exceed oe of the established limits cotaied i this Agreemet. 11. Disclosure Of Iformatio About My Ivestmet Accout Ad Electroic Fud Trasfers. RBC CM will ot disclose ay iformatio about my Accout or ay ACH Services or other electroic fud trasfers from or to my Accout except: 1. where it is ecessary i order to complete a electroic or other fuds trasfer; 2. i order to comply with a subpoea, search warrat or other order of a govermet agecy or court; 3. i coectio with examiatios by state ad federal authorities; 4. i coectio with examiatios by self-regulatory authorities (FINRA, Commodities Board Optios Exchage, etc.); or 5. if I give you writte permissio to do so i a specific case. RBC CM will also safeguard, to the best of its ability, ay iformatio received about me, or about my Accout or my electroic fuds trasfers from misuse by ay perso. 12. Sigig Up For ACH Services. I must deliver to you sufficietly i advace (which may be up to thirty (30) days prior) of the first ACH trasactio a completed ACH authorizatio form, siged by a authorized party for my Accout, however RBC CM may i its sole discretio require that all owers of my Accout sig the ACH authorizatio form. The ACH authorizatio form must idetify the FI Accout to RBC CM s satisfactio; this ca geerally be accomplished by attachig a voided check to the ACH authorizatio form. The FI Accout must be maitaied by or at a domestic U.S. fiacial istitutio capable of processig ACH trasactios. For trasfers to my Accout from a FI accout, RBC CM may, i its sole discretio, impose additioal restrictios to esure that the ower of the FI Accout has authorized the trasfer. Such additioal coditios may iclude, without limitatio, requirig that authorized parties o the FI Accout match the ames o the Accout. 13. Chagig Terms. After RBC CM has received a siged Authorizatio ad activated my ACH Services as requested therei, I may origiate, chage or termiate idividual trasfers to or from my Accout by providig otice to RBC CM at least three (3) Busiess Days before the trasactio is scheduled. 14. Termiatio Of ACH Services. RBC CM will termiate my ACH Services, icludig ay istructios to iitiate recurrig fud trasfers, if ay of the followig occurs: there is ay chage i the owership of my Accout; my Accout is termiated or closed; or a trasactio is retured because the fiacial istitutio that maitais my FI Accout has closed or froze my FI Accout or rejected a ACH trasfer due to isufficiet fuds. 4 RBC CORRESPONDENT SERVICES

5 If my ACH Services are termiated for ay such reaso, I will remai liable to RBC CM for ay outstadig trasfers, whether arisig before or after such termiatio. 15. Accout Holders. I or ay other ower of my Accout may give RBC CM istructios regardig ACH Services, ad I ad each other such ower hereby authorize RBC CM to comply with ay such istructios. If you receive icosistet istructios from owers of my Accout relatig to ACH Services (icludig, without limitatio, istructios regardig cacellatio of service or stoppig of paymet), you have the optio to: hoor ay oe of those istructios; or declie to hoor ay icosistet istructios received without writte directios from all owers of my Accout. To protect me from risk associated with icosistet istructios, RBC CM may require writte istructios if I or ay other ower of my Accout wish to chage a established authorizatio for ACH Services, ad RBC CM may require, for example, that all owers of my Accout sig such a istructio. 16. Settlemet Ad Fuds Availability. The Trasfer Date is the date a electroic fuds trasfer is processed by RBC CM ad posted to my Accout. Trasfers will be processed oly o RBC CM Busiess Days. Trasfers will typically require the followig time periods: 1. Regularly Scheduled Paymets: (divided, iterest, divided distributios ad systematic withdrawals) from my Accout to my FI Accout will ormally take two (2) days to complete. 2. Regularly Scheduled Trasfers: (systematic deposits) from my FI Accout to my Accout will ormally take oe (1) day to complete. 3. Oe Time Telephoe Trasfers: (both paymets ad trasfers) requested by 4:00 P.M. Cetral Time will be completed o the ext busiess day. Fiacial istitutios that are ivolved i such trasactios may have their ow policies with regard to the timig of credits ad debits. For this reaso, I am advised to check with my FI before establishig trasfer dates. Fuds set from a FI Accout to my Accout will geerally be posted to my Accout o the Trasfer Date. For trasfer of fuds ito my Accout, RBC CM reserves the right to assig a hold-time that must lapse before fuds are available for withdrawal. However, fuds will be available i a Accout o the Trasfer Date for ivestmet i securities or to reduce Accout borrowig levels. RBC CM will otify me as soo as possible, by telephoe or i writig, if a electroic fuds trasfer caot be processed by RBC CM or is rejected by a fiacial istitutio. RBC CM will assess a service charge (the amout of which is subject to chage without otice) for each trasfer ito my Accout that is rejected by aother fiacial istitutio because my FI Accout has bee closed or froze or because there are isufficiet fuds i my FI Accout. 17. Service Charges. All charges are subject to chage upo thirty (30) days prior writte otice to me (uless otherwise agreed i writig), except for ay icrease i charges to offset ay icrease i fees charged to you by ay supplier of services used i deliverig ay service that may become effective i less tha thirty (30) days. You will, o a mothly basis, debit my Accout with you for paymet of charges due, uless I arrage aother paymet procedure acceptable to you. 18. Chages Ad Amedmets. RBC CM may modify the terms upo which you offer ACH Services at ay time without prior otice. Ay chages i the terms of the ACH Services that are adverse to my iterests will be bidig upo me oly after you sed otice of such chage by U.S. mail addressed to me at my address as reflected i your records. 19. Termiatio Of The Agreemet; Amedmet; Assigmet. I agree that at ay time, with or without cause, RBC CM may termiate this Agreemet with me. RBC CM agrees to provide me with writte otice of ay such termiatio. Similarly, RBC CM reserves the right to termiate my Agreemet without prior otice to me, subject to applicable law. RBC CM reserves the right to amed or assig this Agreemet to aother party at ay time. RBC CM will provide prior writte ELECTRONIC FUND TRANSFERS/AUTOMATED CLEARING HOUSE SERVICES 5

6 otice of ay such amedmet or assigmet of the Agreemet. I agree that I may ot amed or assig the Agreemet without the prior writte coset of RBC CM. I may termiate this agreemet at ay time by otifyig RBC CM of my itet to termiate i writig or by callig my Fiacial Advisor. 20. Icorporatio Of Other Terms, Provisios Ad Coditios. All terms, coditios, provisios, coveats, ad agreemets goverig my Accout, as stated or icorporated i ay agreemet goverig my Accout, are hereby icorporated herei by referece, ad are amedable from time to time. 21. Liability For Uauthorized Trasfers. The followig applies to electroic trasactios subject to the requiremets of Regulatio E of the Electroic Fud Trasfer Act. If I report a uauthorized trasfer withi two (2) Busiess Days after learig of it, the liability for uauthorized trasactios is limited to $50. If I wait more tha two (2) Busiess Days, the possible exposure for losses icurred thereafter ca icrease to $500, if those losses could have bee preveted by prompt otificatio. If I fail to report a uauthorized trasactio withi sixty (60) days of the trasmittal of a periodic statemet reflectig the trasactio, my potetial liability for uauthorized trasactios that occur thereafter is ulimited. I may cotact RBC CM by callig o ay busiess day (a day o which the New York Stock Exchage is ope for busiess) betwee 8:00 a.m. ad 6 p.m. Cetral Time, or by writig to RBC CM at 60 S. 6th St., Att: Cliet Services, Mieapolis, MN RBC Capital Markets, LLC. All rights reserved CS (05/14) 6 RBC CORRESPONDENT SERVICES

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