Fee Schedule for Roth IRA

FEE SCHEDULE FOR ROTH IRA

Account Information

Effective Date:

Fee Summary (Key Categories)

Detailed Fee Descriptions and Important Terms

Annual Custodial Fee: The Custodian assesses an annual administrative fee of $ to defray recordkeeping, reporting and compliance costs. The fee is assessed on the anniversary of account opening and may be charged pro rata for accounts opened during a calendar year.

Brokerage and Trading Fees: Trades executed through the Custodian are subject to commissions and execution charges. E-trade commission per equity trade: $ ; Broker-assisted trade fee: $ .

Distributions and Roth Conversions: Partial distribution fee: $ per transaction. Roth conversion processing fee: $ . Fees for corrective recharacterization or allocation adjustments are charged at actual administrative cost plus a processing fee of $ .

Returned Item Fee: A fee of $ will be charged for each check, ACH or debit returned unpaid. Overnight delivery: $ per shipment.

Transaction Fee Schedule (Itemized)

Billing, Payment and Adjustment Procedures

Assessment and Payment: Fees will be debited directly from the Roth IRA account when permitted by law and account holdings permit. If account holdings are insufficient, the Custodian reserves the right to liquidate assets to satisfy fees or to invoice the account owner. Payment by check or external debit must be received within calendar days of invoice.

Late Payment and Collection: Unpaid fees are subject to a late charge of % per month or the maximum permitted by applicable law, and collection costs, including attorney fees, will be recoverable.

Modifications, Disputes and Notices

Amendments: The Custodian may amend this Fee Schedule upon notice to the account owner as required by law. The Custodian will provide written notice to the client at the address on record at least the minimum notice period required by law prior to the effective date of any increase in recurring fees.

Disputes: Any dispute concerning fees must be submitted in writing within days of the fee assessment. The client agrees that certain disputes may be subject to arbitration where permitted by agreement; nothing herein is intended to waive mandatory legal rights that cannot be waived by law.

Taxes, Withholding and Regulatory Reporting

The client is responsible for any taxes, penalties or withholding associated with distributions, conversions or corrective actions. The Custodian will furnish required regulatory and tax reporting information to the IRS and other designated agencies as mandated by law.

Special Arrangements and Waivers

Waiver Requests: Requests for fee waivers or reduced fees must be submitted in writing and are granted at the sole discretion of the Custodian. Indicate if special fee arrangement applies: Special arrangement in effect

Acknowledgment and Certification

By signing below, the account owner acknowledges receipt of this Fee Schedule for the Roth IRA account identified above, understands the circumstances under which fees will be assessed, and certifies that the information provided to the Custodian is complete and accurate to the best of the signer’s knowledge. The client further acknowledges that the Custodian may charge fees as described herein and that the Fee Schedule is incorporated by reference into the account agreement between the client and the Custodian.

Sign Now