Spire Wealth Management, LLC is a Federally Registered Investment Advisory Firm. Securities offered through an affiliated company, Spire

Securities, LLC., a Registered Broker/Dealer and member FINRA/SIPC

WELCOME TO CORBETT ROAD! Enclosed are the documents you will need for Corbett Road to invest your account. Please complete the forms listed below and return them via fax (703-748-1372) or email (operations@corbettroad.com).

Spire Wealth Management Investment Management Agreement – o Please complete and initial page 1 o Complete pages 5, 6, and 7 o Sign pages 8 and 9

Risk Tolerance Questionnaire – Please complete.

Corbett Road Investment Management – Pursuant to Spire Wealth Management’s Investment Agreement – Please complete the highlighted sections of this form.

Fidelity Wealth Advisor Solutions Program Investor Acknowledgement – Please complete this acknowledgement of your participation in the WAS program.

Fidelity Add Advisor to Fidelity Personal Investments Account – This form is to link our firm to your existing Fidelity account. Please fill in the Primary G Number (whether the account is Asset Based or Transaction Based). In addition, please fill in the corresponding Secondary G Number for your selected account strategy (Opportunity, Dynamic ETF, or Core Demand).

If you have any questions or need further assistance, please contact Maureen Pitts.

o Local – 703.748.5833 o Toll Free – 888.737.8907

Thank you, Corbett Road Investment Management

June 2016 Page 1

SPIRE WEALTH MANAGEMENT, LLC INVESTMENT MANAGEMENT AGREEMENT

CORBETT ROAD STRATEGY

This Agreement is made this ______ day of ____________________, 20____, between Spire Wealth Management, LLC ("Spire "), an Investment Advisor registered with the Securities and Exchange Commission under the Investment Advisors Act of 1940, C. SCOTT AIREY the Investment Advisor Representative (“IAR”) doing business under Corbett Road, and _____________________________________________________, (“Client"). Spire hereby accepts the appointment as investment Advisor for the Client and agrees from and after the date of this

Agreement to have its IAR consult from time to time with Client regarding the investment objectives of the Client and to

appraise and review at reasonable intervals during the period of the Agreement, the investment portfolio(s) of the Client

covered by this agreement. The Client agrees to consult with Adviser at least annually to provide updated

information, if any, about the Client's financial circumstances and investment objectives. ________ ________ Discretionary Investment Management Services. Initials Initials

The Client hereby grants Spire and its IAR complete and unlimited discretionary trading authorization. The Client hereby appoints the above named IAR as the Client’s agent and attorney-in-fact with respect to this trading authorization. The Client authorizes Adviser to buy, sell, or otherwise trade securities or other investments in the account(s) without discussing the transactions with the Client in advance. Adviser will make investment decisions for the account(s) according to the investment objectives and financial circumstances described in the New Account Form (“NAF”) the Investment Policy Statement (“IPS”) and or the Statement of Investment Selection (“SIS”). ________ ________ Sub-Advisor/Separately Managed Accounts/SPIREnet Program Initials Initials Money Managers/Separate Account Managers (Only available under Discretionary Management Services) Client authorizes Spire to hire an unaffiliated Money Management firm or firms (each a Manager) through a managed account platform and to invest those assets designated on Client’s behalf. Money Managers are recommended to the client by the IAR depending upon the portfolio of the Client, the qualification of the Money Manager and the investment objectives of the Client. Client grants Spire the necessary discretion to hire and fire Money Manager(s), change platforms and programs on its behalf. IAR will monitor the Client’s investment portfolio, and provide portfolio reports periodically. Spire and the IAR, together with the selected Money Manager(s), shall have sole responsibility for the implementation of Client's investment program with respect to any Client Account for which investment discretion has been delegated by Spire to the Money Manager(s) and accepted by the Money Manager(s). The Money Manager(s) will also have sole discretionary authority to invest and reinvest the securities, property, cash and other investments held from time to time in the account(s) in such manner as the Money Managers deem advisable in accordance with the Money Managers’ investment strategy and the investment objectives, financial situation and any reasonable restrictions (Schedule B) the Client has imposed on the management of the account(s). It is understood that Spire and its IAR will not be responsible for the day to day investment management decisions; these decisions will be made by the Money Manager(s). A separate agreement may be needed for the designated Money Manager(s).

June 2016 Page 2

________ ________ Non-discretionary Investment Management Services Initials Initials Client wants to approve in advance, either orally, in writing, or by e-mail, all transactions in the account(s). Client recognizes that the execution of recommended transactions will be delayed until Client approves the transactions. Client understands that neither Adviser nor its representatives will exercise any discretionary authority with respect to Client’s Account or transactions.

Custodianship of Securities The Client has appointed or will appoint a separate custodian (“The Custodian”) ( See Schedule A) to take possession of the cash, securities, and other assets in the Account. Adviser will have no access to the assets in the Account or to the income produced there from and will not be responsible for any acts or omissions of the Custodian. The custodian of the accounts will credit the accounts with dividends and interest paid on securities held in the accounts and with principal paid on called or matured securities in the accounts. Custodian will provide confirmations of all transactions executed through custodian and regular monthly account statements.

Fee Schedule Client will pay for services described herein monthly, in arrears, at an annualized rate, as described in Schedule C. Client understands and agrees that Spire may change such payment schedule at any time by giving Client 30 days prior written notice. The management fee is calculated using an average daily account balance for the month. The fee is deducted the following month at the contracted rate in Schedule C. The client agrees they will be responsible for any portion of a month’s fee uncollected should the client terminate this management fee agreement. This partial month fee shall be collected from the client’s account if given sufficient notice of termination, or the client shall be billed via invoice should there not be enough cash in the account to collect a fee or if the assets transfer out of the account prior to collection of the final management fee. Alternatively, client may agree to a fixed annual fee. These fees may be billed by invoice at an agreed upon interval.

Client will be solely responsible for paying all fees or charges of the Custodian that are separate from the Spire

Wealth Management Advisor’s fee. Investments made in the account may be subject to modest account transaction charges by the custodian, broker-dealer, or other entity handling the transactions. Certain of the

mutual funds in which the account(s) may be invested distribute payments to broker-dealers. Such payments may

be distributed pursuant to a 12b-1distribution plan or other such plan as compensation for administrative services

and are distributed from the mutual fund’s total assets. Please consult the appropriate prospectus for details on such fees. Spire, and/or IAR in their capacities acting on behalf of Client, may be eligible to receive such service

fees or other compensation from certain mutual funds and not from others. Accordingly, a substantial conflict of

interest may exist. In the case of retirement plans subject to the Employee Retirement Income Security Act (ERISA), any such fees distributed by the fund to Spire will be considered in the calculation of fees set forth in this section (Schedule C). Neither Spire nor the IAR shall be compensated based upon a share of the capital gains or capital appreciation of assets of the client.

June 2016 Page 3

Termination This Agreement shall continue in effect until terminated by either party by giving to the other written notice at least thirty (30) days prior to the date on which the termination is to be effective, and any prepaid, unearned fees will be refunded, determined on a pro-rata basis. Spire does not charge a termination fee. Termination of this Agreement will not affect (a) the validity of any action previously taken by Spire under this Agreement; (b) liabilities or obligations of the parties from transactions initiated before termination of this Agreement; or (c) Client’s obligation to pay advisory fees (pro rated through the date of termination) Proxies Voting and Other Legal Notices. Notwithstanding Advisor’s discretionary authority to make investment decisions on behalf of Client, Advisor will not exercise proxy-voting authority over client securities. Client shall be instructed to inform its custodian that Advisor should not be designated as the party to receive information on voting client proxies. Should Advisor inadvertently receive proxy information for a security held in Client’s account, then Advisor will immediately forward such information on to Client, but will not take any further action with respect to the voting of such proxy. In the case of a Money Manager, the Money Manager will be authorized, in it’s contract with the client, to vote proxies.

If Client is a retirement plan subject to ERISA, the Money Manager(s) will be responsible for voting proxies and reporting to the plan unless Client expressly retains that right. Bonding. If Client is a retirement plan subject to ERISA, Client agrees to add a clause to the fidelity bond required by law that provides coverage for agents employed by it. The intent of this clause is to cover the Money Manager(s), its officers, directors and employees retained by Client. Non-Assignability. This agreement is not assignable to another RIA by any party without the prior written consent of all parties. Governing Law. This agreement is made and shall be governed and construed under the laws of the Commonwealth of Virginia. Communication. All written communications to Client shall be to the address contained in the Client New Account Form unless Client designates otherwise. All written communication to Spire shall be to:

Spire Investment Partners, LLC 1840 Michael Faraday Dr., #105 Reston, VA 20190

Liability Except for negligence or willful malfeasance, neither IAR, Spire, nor any of its respective directors, employees, shareholders, officers, controlling persons or affiliates shall be liable hereunder for any action performed or omitted to be performed or for any errors of judgment in managing the Account. IAR, Spire, and its respective directors, employees, shareholders, officers, controlling persons or affiliates shall each have no liability to any person for the acts and omissions of any third party. Client hereby agrees to indemnify and hold harmless each of IAR, Spire, and its respective directors, employees, shareholders, officers, controlling persons or affiliates from all losses, claims, damages or liabilities incurred on account of or, arising out of any inaccuracy of the representations and warranties made by Client in this Agreement. The federal securities laws and certain state securities laws impose liabilities under certain circumstances on persons who act in good faith, and therefore nothing herein shall in any way constitute a waiver or limitation of any rights, which Client may have under any federal or state securities laws.

June 2016 Page 4

Arbitration

- Arbitration is final and binding on the parties. - The parties waive their right to seek remedies in court, including the right to jury trial. - Pre-arbitration discovery is generally more limited than and different from court proceedings. - The arbitrators’ award is not required to include factual findings or legal reasoning, and any party’s

right to appeal or to seek modification of rulings by the arbitrators is strictly limited. - The panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with

the securities industry. Any controversy or dispute which may arise between the Client and Adviser concerning any transaction or the construction, performance or breach of this agreement may be settled by arbitration. Any arbitration shall be pursuant to the rules, then applying, of the American Arbitration Association. Confidential Relationship All information and advice furnished by either party to the other hereunder, including their respective agents and employees, shall be treated as confidential and shall not be disclosed to third parties except as agreed upon in writing or required by law, rule or regulation. Spire is committed to protecting our client’s confidential information. We hold in confidence all information we receive from you, including personal information we collect from you or receive from other entities in connection with any of the financial or investment management services we provide. We also require entities with whom we deal to restrict use of your information.

Service to Others It is understood that Spire and its affiliates may perform investment advisory services for various clients. Client agrees that Spire may give advice and take action in the performance of its duties with respect to any of its other clients which may differ from advice given or the timing and nature of action taken with respect to the Client. This Agreement shall not be deemed to confer upon Spire any obligation to acquire for the Client a position in any security which Spire, its principals, affiliates or employees may acquire for its or their own accounts or for the account of any other client, if in the opinion of Spire, it is not for any reason practical or desirable to acquire a position in such security for the Client.

June 2016 Page 5

Schedule A

Accounts Subject to this Management Agreement

1. Platform/Custodian: _____________________________________________________________

Account Title: _______________________________________________________________

Account Number: ____________________________________________________________

2. Platform/Custodian: ________________________________________________________________

Account Title: _______________________________________________________________

Account Number: ____________________________________________________________

3. Platform/Custodian: ________________________________________________________________

Account Title: _______________________________________________________________

Account Number: ____________________________________________________________

4. Platform/Custodian: ________________________________________________________________

Account Title: _______________________________________________________________

Account Number: ____________________________________________________________

Schedule B

Investment Questionnaire What is your Federal Income Tax Bracket ? 10% 15%

25% 28% 33% 35% Other: _________ %

June 2016 Page 6

What is the Entire Net Worth for all listed Clients (see definitions below) $ _________________________________. What is your liquid net worth? $ __________________________________ . What is your approximate annual income? $ __________________________. Select the investments you currently own or have owned in the past (select all that apply) Money Market/cash equivalents Bonds/bond funds Stocks/stock funds International securities/funds Options Alternative Investments Time Horizon Less than three years Three to five years Six to 10 years 11 years or more Select the risk/return profile that best fits your investment objectives Conservative – Relatively predictable stream of current income. Low to moderate risk with primarily protection of principal from market fluctuations. Moderately Conservative – Higher stream of current income. Risk tolerance is higher for loss of principal during market fluctuations. Moderate – Higher goal of principal appreciation with some income. Willing to accept moderate risk and potential loss of principal in exchange for higher yields during market fluctuations. Moderately Aggressive – Looking primarily for principal appreciation. Willing to accept higher degree of risk and loss of principal during market fluctuations. Aggressive – Looking for above market appreciations and short-term trading profits. Willing to accept very high risk and loss of their entire principal during market fluctuations. With respect to your investments, how much volatility are you willing to accept? Minimal Moderate Considerable Trading Restrictions – Please be specific (If none, please enter NONE) ________________________________________________________________________ ________________________________________________________________________ Entire Net Worth = All of the “client’s” assets, including cash (but excluding direct investments in homes and other real property and personal property) less all of his/her/its liabilities (excluding mortgages or other encumbrances on homes and other real property and personal property other than gold and silver). Client = Client” means an “individual” or “entity” of the Representative/Advisor.

June 2016 Page 7

Customer Identification Program (CIP)

The USA PATRIOT ACT requires Spire Wealth Management to verify your identity through the CIP. Please provide us with the following information.

Applicant Joint Applicant

Date of Birth: ___________________ __________________

Social Security/Tax ID Number: ___________________ __________________

Type of Government-issued ID: ___________________ __________________

ID Number and State/country: ___________________ __________________

ID Expiration Date: ___________________ __________________

June 2016 Page 8

Asset Management Fee Schedule

(Schedule C)

Management fees are billed monthly in arrears and are based on the average daily balance for the month.

.75% Flat Fee annually

Asset Based Fee Transaction Based Fee

_________________________ ________________________

Client Signature Joint Client Signature

_________________________ ________________________

Client Printed Name Joint Client Printed Name

__________________________ ________________________

C. Scott Airey, Advisor Spire Wealth Management, LLC

Transaction Costs by Custodian:

Fidelity Institutional Wealth Services Equities *Mutual Funds Fixed Income

Transaction Households less than $1M 12.95 +$.015/share $20

Corporates are competitive

Based Pricing non-e-delivery over 1,000 shares

Gov’ts are $50

Households over $1M or $7.95 +.01/share $20 Same as above

enrolled in E-Delivery over 10,000 shares

Asset Based

Any Account Size

15bpts (up to 200 trades, $10/trade over 200) Annually, on AUM, billed

Pricing quarterly. Excludes 3rd party managers.

1. All Transaction Fees and ABP Fees are in addition to Corbett Road’s Management Fee and are subject to change by

the custodians.. 2. Additional charges may be assessed by each custodian for non-electronic trading. Additional services and fees from

your custodians may apply. Please ask your advisor for details. 3. Envestnet provides data aggregation, performance reporting, fee billing and other services through SPIREnet.

In addition to the Custodian’s costs, Envestnet may charge up to 2 basis points ($30 min) annually for their performance reporting and fee billing services.

4. SPIREnet program fees are subject to change and are outlined in the Statement of Investment Selection (SIS). SPIREnet programs may be subject to minimum annual account fees.

June 2016 Page 9

Certification: 1. Client acknowledges it has received the Spire Wealth Management, LLC Form ADV Part 2A and 2B and the

Spire Investment Partners, LLC Privacy Policy. 2. Client acknowledges having reviewed this Spire Wealth Management, LLC Investment Management

Agreement, and the Client agrees to its provisions. 3. Client acknowledges having thoroughly reviewed the New Account Form information, incorporated herein by

reference, and that the information is correct in all material aspects. 4. This contract does not imply a guarantee with respect to the attainment of Client’s investment goals and

objectives. 5. This agreement contains an Arbitration clause located on page 4 of the Spire Wealth Management, LLC

Investment Management Agreement. Date: __________________________ _______________________________ ______________________________ Client Signature Client Signature _______________________________ ______________________________ Client Name (print) Client Name (print) _______________________________ ______________________________ IAR (Print) IAR Signature Accepted: Spire Wealth Management, LLC By: ____________________________ Date: ______________________________

Risk Tolerance Questionnaire

1) This graph shows the potential range of gains or losses of a $100,000

investment in each of seven hypothetical portfolios at the end of a 1-year

period. The number to the right of each bar shows the best potential gain

for that portfolio, while the number to the left of each bar shows the

worst potential loss. Given that this is the only information that you have

on these seven hypothetical portfolios, which one would you choose to

invest in? (circle one)

Portfolio A

Portfolio B

Portfolio C

Portfolio D

Portfolio E

Portfolio F

Portfolio G

2) Inflation (rising prices for goods and services) can have a significant

effect on your investments by decreasing their potential purchasing

power over time. Aggressive investments have historically outpaced

inflation over the long run, but have had more instances of short-term

losses than more conservative investments. How do you feel about

inflation and its potential impact on your investments? (check one)

□ You are satisfied with your investments keeping pace with inflation.

Limiting the potential for short-term loss is your main goal, and you are

willing to sacrifice the potential for higher returns.

□ You would like your investments to outpace inflation. You are willing to assume some potential for short-term loss in order to pursue that goal.

□ You prefer that your investments significantly outperform inflation. You are willing to assume a greater potential for short-term loss in order to pursue

that goal.

3) Suppose that a substantial portion of your investment portfolio is

invested in securities. If the stock market were to experience a prolonged

down market, losing 50 percent of its value over a 3 year period, what

would you do (assuming your securities behaved in a similar fashion)?

(check one)

□ Sell all the securities in your portfolio. You are afraid that the stock market is in a downturn and you cannot afford the decrease in value.

□ Sell half of the securities in your portfolio. You think that the market may rebound, but you are not willing to leave all of your investment exposed to

further loss.

□ Hold the securities in your portfolio. You understand that your investment may be subject to short-term price swings and are comfortable `weathering

the storm’.

□ Buy more securities for your portfolio to take advantage of their low price.

You are comfortable with market fluctuations and assume that the securities

will potentially regain their previous value or increase in value.

4) Once again, assume you have a substantial portion of your investment

portfolio in securities. If the stock market were to gradually decline at an

average of 2 percent per month, eventually losing 24% of its value over a

year, which of the following would you do? (check one)

□ Sell the securities in your portfolio and realize the 24% loss. You wish to

avoid the risk of further loss.

□ Sell half of the securities in your portfolio. You are not willing to leave all of your investment at risk for further loss.

□ Do nothing. You are comfortable waiting for the securities to regain their

previous value or to increase in value.

□ Invest more now because securities are selling for approximately 24% less than they were 12 months ago. You believe that the securities will potentially

regain their value or possibly appreciate even higher over the long-term.

5) Aggressive investments have historically provided higher returns while

exhibiting greater short-term price fluctuations and potential for loss.

How do you feel about fluctuations in the value of your portfolio? (check

one)

□ You want to minimize the possibility of loss in the value of your portfolio. You understand that you may be sacrificing the potential for higher long-term

returns by holding investments that reduce the potential for short-term loss

and price fluctuation.

□ You can tolerate the risk of moderate losses in order to pursue potentially favorable returns.

□ You can tolerate the risk of large losses in your portfolio in pursuit of greater potential gains.

6) What is the investment time horizon on these investable assets? (check

one)

□ Less than 3 years

□ 3 - 5 years

□ 6 - 9 years

□ 10+ years

7) What is your current annual household income? (check one)

□ None

□ $0 – $30,000

□ $30,001 – $50,000

□ $50,000 - $100,000

□ $100,001 - $250,000

□ $250,001 - $500,000

□ $500,001 - $1,000,000

□ $1,000,001 - $3,000,000

□ $3,000,001 +

8) What is your approximate net worth? (check one)

□ Less than $250,000

□ $250,001 – $500,000

□ $500,001 - $1,000,000

□ $1,000,000 - $3,000,000

□ $3,000,000 - $5,000,000

□ $5,000,000 - $10,000,000

□ $10,000,000 - $20,000,000

□ More than $20,000,000

9) What are your annual income needs from the assets you are investing

with Corbett Road? (check one)

□ None

□ $10,000

□ $20,000

□ $30,000

□ $40,000

□ $50,000

□ $60,000

□ $70,000

□ $80,000

□ $90,000

□ $100,000

□ More than $100,000

10) What is your state tax bracket? (check one)

□ 0%

□ 1%

□ 2%

□ 3%

□ 4%

□ 5%

□ 6%

□ 7%

□ 8%

□ 9%

□ 10%

□ Over 10%

11) What is your federal tax bracket? (check one)

□ 0%

□ 15%

□ 28%

□ 33%

□ 35%

□ 39.6%

Spire Wealth Management, LLC is a Federally Registered Investment Advisory Firm. Securities offered

through an affiliated company, Spire Securities, LLC., a Registered Broker/Dealer and member

FINRA/SIPC

Fidelity Wealth Advisor Solutions® Program

Investor Acknowledgment

In connection with your participation in the Fidelity Wealth Advisor Solutions

Program, Strategic Advisers, Inc. (“SAI”) has provided you with a referral to Spire

Wealth Management, LLC (“Advisor”). In conjunction with your decision to enter into

an investment management or advisory agreement with Advisor, by executing this

acknowledgment you confirm that you have received the following disclosure documents

on or prior to the execution of your advisory agreement with Advisor: (1) Advisor’s Form ADV Part 2A brochure and (2) SAI’s solicitation disclosure document with respect to its referrals to Advisor.

____________________________ ____________________________

Name of Client Name of Client

____________________________ ____________________________

Signature of Client Signature of Client

Date: __________________ Date: __________________

Spire Wealth Management, LLC is a Federally Registered Investment Advisory Firm. Securities offered through an affiliated company, Spire Securities, LLC., a Registered Broker/Dealer and member FINRA/SIPC

Pursuant to Spire Wealth Management’s Investment Management Agreement Scan/Email to: operations@corbettroad.com

1. ACCOUNT TITLE (CLIENT NAME): ________________________________ 2. ACCOUNT #_____________________ FUNDING AMOUNT______________ 3. PLATFORM. (Please check one & add the necessary master or G numbers to the custodian paperwork)

Fidelity Investments - Asset Based – Recommended if Account value is below $400,000

Asset Based Pricing Primary G # 12923768

Secondary G # Opportunity G # 15501566, Dynamic G #1550159, Core G#16937483

Fidelity Investments – Transaction Based – Recommended if Account Value is above $400,000

Transaction Based Pricing Primary G # 12923767

Secondary G # Opportunity G # 15501566, Dynamic G #1550159, Core G #16937483

4. INVESTMENT STRATEGY. (Please check one) ($100,000 account minimum)

Corbett Road Opportunity

The Opportunity strategy targets between 35-40 individual equity positions, allowing Corbett Road to mitigate concentration risk, but avoid purchasing the index. It can invest in any exchange traded asset class, any market cap (both foreign and domestic) and is able to utilize products that will short the market.

Corbett Road Dynamic ETF

The Dynamic ETF strategy is an all ETF, tactical strategy that uses a core/satellite approach. It can invest in any exchange traded fund, any market cap (both foreign and domestic), and is able to utilize products that will short the market.

Corbett Road Core Demand

The Core Demand strategy targets 10-15 ETFs, combined with 10-15 individual equity positions. It is focused on demand inelasticity and has an emphasis on higher quality, lower volatility positions. The absolute buy/sell discipline of this strategy differs from both our Opportunity and Dynamic ETF strategies.

Spire Wealth Management, LLC is a Federally Registered Investment Advisory Firm. Securities offered through an affiliated company, Spire Securities, LLC., a Registered Broker/Dealer and member FINRA/SIPC

5. FEE SCHEDULE (Annual fee billed monthly in arrears) Flat Fee .75% Plus, any custodian charges (asset based or transaction based charges and/or custody fees). 6. RESTRICTIONS. Should a client have a specific restriction, please delineate below. If no restrictions are specified, indicate NONE if None, then the Strategy will be implemented as described above.

I confirm/receipt ADV Part2B for Corbett Road. CLIENT AUTHORIZATION: __________________________________________________Date: ________ ADVISOR AUTHORIZATION: __________________________________________________Date:________

RISK FACTORS An investment in a portfolio involves various risks, including the risk that an investor can lose money. While the Investment Manager strives to attain the investment objective of the strategy through research and portfolio management skills, there is no guarantee of successful performance, that the objective can be reached or that a positive return can be achieved. As a general rule, investors can expect that investments with higher return potential will also have higher potential of risk of loss to capital and/or income. In addition, portfolio investments may fluctuate in market value from day to day and, therefore, the value of an investment could go down as well as up. An investment in this strategy itself is not a balanced investment program for purposes of an investor's portfolio diversification needs and, therefore, investors should consult with their financial adviser regarding the appropriateness of an investment in the strategy for their overall investment program. In addition to the information set forth elsewhere herein, the following factors should be considered: Diversification: The Investment Manager does not observe rigid policies requiring specific levels of portfolio diversification in terms of industry or sector of security, or size or location of the issuer. Although the portfolio will be diversified, it may include large concentrations relative to its benchmark in securities held in certain sectors of the economy or issued in certain geographical regions. Taxation: Changes to Tax Laws at both the Federal and State levels could change the value of the assets held in a portfolio.

Add Advisor to Fidelity Personal Investments Account

1.848179.104 018360301

Use this form to designate and grant certain authority to your Authorized agent(s)/Advisor(s) on your existing Fidelity Account. Type on screen or fill in using CAPITAL letters and black ink. If you need more room for information or signatures, use a copy of the relevant page.

1. Account Information

Phone number will be used to contact you if

there is a question about this request.

First Name M.I. Last Name

Additional Owner, Company or Trust Name if applicable

Additional Owner

Daytime Phone Extension Use this number to update the daytime phone number on this account.

Enter the account numbers to add the

new Authorized agent/Advisor. All owners from

all accounts must sign below.

Account Number Account Number Account Number

Account Number Account Number Account Number

2. Designation of Authorization

Authorized agent/Advisor Account referred through Wealth Advisor Solutions Use WAS specific G Number field.

Primary Authorized agent/Advisor DTC Number* Price Code G Number

G

Secondary Authorized agent/Advisor Price Code G Number

G

Secondary Authorized agent/Advisor Price Code G Number

G

Secondary Authorized agent/Advisor Price Code G Number

G

Helpful to Know

• For full account conversions only.

• Do not use this form to add an Advisor to a 529 or BrokerageLink® (Self Directed Brokerage) Account. Instead use the 529 Account Advisor Access & Trading Authorization or the Registered Investment Advisor BrokerageLink® Authorization and Termination form.

• If you are approved for options on any of the accounts listed in this form, contact your Authorized agent/Advisor for potential changes to your options trading level.

Ineligible Account Types

• Portfolio Advisory Services (PAS), mySmart Cash accounts, Mutual Fund Only accounts, Third Party Administration, Separately Managed Accounts, Individually Directed Accounts

(IDAs), SARSEPs, Health Savings Accounts (HSAs), Fidelity Family Office (FFOS) Accounts, Stock Plan Services (SPS) Accounts.

Eligible Account Types

• Personal accounts: Individual, Joint, Trust, Estate, Fiduciary, Custodial (UTMA/UGMA).

• Retirement accounts: IRA, Roth IRA, SEP-IRA, Inherited IRA, Inherited Roth IRA, SIMPLE IRA, Fidelity Retirement Plan, including Self-Employed 401(k), Non-Fidelity Prototype Retirement.

• Business accounts: Partnership, Sole Proprietorship, Unincorporated Association, Corporation, LLC.

* For electronic confirms

Page 1 of 4

7 0 3 7 4 8 5 8 3 3

SPIRE WEALTH MANAGEMENT

SPIRE WEALTH MANAGEMENT 1 2 1 9 0 0 9 0

SPIRE WEALTH MANAGEMENT

1.848179.104

3. Trading and Asset Movement Authorizations

Trading Authorization

Authorizes Fidelity to accept trades, servicing, account-related, or other instructions on your account from your Authorized agent(s)/Advisor(s), without direct instructions from you. Trading authorization is a feature of all accounts opened with this application; you grant trading authorization when you sign the application. By granting trading

authorization to your Authorized agent(s)/Advisor(s), you understand and agree that your Authorized agent(s)/Advisor(s) will have the ability to instruct Fidelity to initiate transfers of cash from your bank account to your Fidelity account, based on standing written funds transfer instructions provided by you to Fidelity. Unless you designate Asset Movement Authorization Level 1 or Level 2

on this account, your Authorized agent(s)/Advisor(s) will not be not authorized to withdraw, or direct the withdrawal of, assets from your account. In the case of a retirement account, your Authorized agent(s)/Advisor(s) cannot designate a beneficiary(ies) for your account. See the Terms and Conditions at the end of this form.

Asset Movement Authorization

Asset Movement Authority is not available on Fidelity Retirement Plan Accounts including Self-Employed 401(k) Accounts. Level 2 Authority is not available on Non-Fidelity Prototype Retirement accounts. If Level 2 is selected, the request will default to Level 1. By granting Level 1 or Level 2 authorizations, you direct Fidelity to accept instructions from your Authorized agent/Advisor concerning the types of transactions indicated for that level. In the Level 1 and Level 2 descriptions on this form, “same-registration” means the same owner or owners and the same registration type and “accounts you own individually” means accounts with the same individual owner. Fidelity may require direct instructions from you for transactions over a certain dollar amount.

No Asset Movement Authority on this Account Your Authorized agent/Advisor will not be able to move money from this account without your signature.

Level 1

This includes one-time disbursements and the establishment of, and changes to, periodic disbursements (“Periodic Distribution Plans”) from your account, including:

• Checks made payable to you and sent to your address.

• Bank wires or electronic funds transfers (EFTs) to any account you have authorized through standing written instructions and check disbursements to any payee and address you have authorized through written standing instructions.

• For nonretirement brokerage accounts, transfers of cash or securities from this account to other same-registration accounts at Fidelity, if this account is an individual account or transfer on death account (accounts owned by you individually), contributions from this account to any IRA you own at Fidelity, and/or from this account to any third-party account at Fidelity you have authorized through standing written instructions.

• For IRA accounts, transfers of cash or securities from this account to other same-registration IRAs that are not reported for tax purposes, distributions from this account to Fidelity nonretirement brokerage accounts you own individually, conversions to Roth IRAs and transfers from this account to any third-party account at Fidelity you have authorized

through standing written instructions, including distributions from this account to Fidelity nonretirement accounts with different owners and/or registrations.

Level 2

This includes all Level 1 authorizations, plus:

• For IRA and nonretirement brokerage accounts, bank wires to any same- registration account outside Fidelity, without direct instructions from you.

You understand and agree Fidelity cannot confirm the account registration at the receiving bank and will rely solely on the representations of your Authorized agent/Advisor as to the registration of the receiving account.

Your Authorized agent/Advisor will have the authority to direct Fidelity with regard to the timing, amount and reason of any IRA distribution(s) and the amount of federal and state tax withholding to apply on your behalf.

You are advised to consult with your legal or tax advisor regarding all elections made with respect to distributions. You assume the responsibility that results from any IRA distribution(s) initiated by you or your Authorized agent/Advisor.

4. Document Delivery and Frequency

Document Redirection

Send to:

Check one in each row. Election to redirect the

document to your advisor will supersede electronic delivery selection above.

Advisor You

or Proxies1 Includes all proxy voting materials.

or Reports Includes annual reports and information statements.

or Prospectuses

or Corporate Actions2

Authorized agent/Advisor

Proxy Voting G Number Name Administrator only

G

Trade Confirmation Frequency

Check one. Quarterly Immediate

1 In choosing this option, you also direct Fidelity to accept votes regarding these proxies from your Primary Authorized agent/Advisor. If your Primary Authorized agent/Advisor has a Proxy Voting G Number or uses a proxy administrator, provide the G Number and administrator name as appropriate.

2 Notwithstanding your election to receive Corporate Actions/Reorganization Notices at your account’s mailing address. Fidelity will accept decisions on the Corporate Actions/Reorganization Notices from your Primary Authorized agent/Advisor.

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1.848179.104

5. Signatures and Dates Form cannot be processed without signatures and dates.

Asset Based Pricing clients only:

You represent that you have read, understood, and agreed to the terms and conditions set forth in the Asset Based Pricing Supplement and agree to be bound by such terms and conditions as are currently in effect and as may be amended from time to time.

By signing below, you:• Acknowledge you have received, read and

agree to the attached Terms and Conditions for Advisor Authorizations and Designations.

• Understand that by adding your Authorized agent(s)/Advisors to your account, the terms and conditions of your Brokerage Account Client Agreement will be amended. You will receive a copy of the amended Brokerage Account Client Agreement at your address of record.

• Understand that by adding an Authorized agent(s)/Advisor(s) to your Fidelity Traditional IRA, Fidelity Roth IRA, Fidelity SEP IRA, Fidelity Rollover IRA, Fidelity Inherited IRA, Fidelity Inherited Roth IRA, Fidelity SIMPLE IRA, Fidelity Self-Employed 401(k), Fidelity Retirement Plan Account or Non-Fidelity Prototype Retirement Account (each of which is referred to herein as “account” or “retirement account”):- If the retirement account is an IRA, the

terms and conditions of your retirement account agreement will be amended and restated from your existing IRA to the new IRA. You will receive a copy of the amended Retirement Account Client Agreement at your address of record.

- You will also receive the applicable custodial agreement and disclosure statement.

• Understand that Fidelity Management Trust Company (FMTC), or any successor thereof, will remain as Custodian for your IRA and Fidelity Brokerage Services LLC (FBS) and National Financial Services LLC (NFS) will continue to perform administrative services for your account.

• Agree to notify Fidelity in writing of any material change concerning any of these representations or authorizations, including rescinding any authorization or designation. You understand that any change will not be effective until Fidelity receives written notification from you.

• Acknowledge you have reviewed the investment advisory fees with your Authorized agent(s)/Advisor(s) and you believe the fees are reasonable for the services provided.

• Understand that by adding your Authorized agent(s)/Advisor(s) to your account, the following changes may occur. You should consult with your Authorized agent(s)/Advisor(s) on each of these changes:- If you have been approved for margin on

your account, the terms and conditions of your current margin agreement continue to govern your use of margin but you will be subject to new interest rates and calculations provided herein. You have read and agree to the new interest rates and calculations.

- Any features of your current account that are based on margin schedules will be subject to the new margin rates provided herein.

- If you are approved for options on any of the accounts listed in this form, contact your Authorized agent/Advisor for potential changes to your options trading level.

- Your existing commission schedule may change.

- Existing account fees, such as wire fees, check fees, ATM fees, etc., may change.

• Grant your Authorized agent(s)/Advisor(s) trading authority, as defined in the Account Agreement, and agree that we may accept instructions on your account (such as orders to buy and sell securities) from your Authorized agent(s)/Advisor(s).

• With respect to the fees associated with your account:- Authorize your Authorized agent(s)/

Advisor(s) to set the fees you pay for their services and the fees you pay for our services.

- Authorize us to accept instructions from your Authorized agent(s)/Advisor(s) to deduct Authorized agent/Advisor fees directly from your account.

- Authorize brokerage commissions and termination fees to be deducted from your account (see the Account Agreement for more complete information on fees). Indemnify and hold us harmless [jointly and severally for accounts with more than one owner] from and against any and all losses, claims, costs, actions, demands, suits, proceedings, damages and expenses, including, without limitation, regulatory fines, attorneys’ fees and expenses, costs of collection, and any other costs suffered or incurred by us arising out of or relating to our effecting any transaction or acting upon any instruction given by you or any authorized agent, advisor or any third party you authorize on your account or from your action or inaction, whether intentional or not, including losses resulting from the action or inaction of any authorized agent, advisor or any other third party you authorize on your account.

• Authorize us to accept votes from your Authorized agent/Advisor on proxies if you direct us to deliver your prospectuses, proxies, related materials or corporate actions/reorganization notifications to your Primary Authorized agent/Advisor instead of delivering these documents to you, and you agree to the following:- We have no responsibility to verify any of

the representations you make concerning these instructions.

- Represent that if your Primary Authorized agent/Advisor has identified a proxy-related third-party administrator on this form you have separately authorized your Primary Authorized agent/Advisor to use such an administrator, your Primary Authorized agent/Advisor may not delegate to the proxy administrator the right to determine your proxy vote and we

may honor instructions from your Primary Authorized agent/Advisor to forward proxy materials to the administrator and may accept your Primary Authorized agent’s/Advisor’s proxy voting decisions when communicated to us by the administrator.

• Confirm that any and all Authorized agents/Advisors you have designated and authorized are either state or SEC-registered investment advisors, and have discretion over your account pursuant to a separate written advisory contract.

• Understand that unless you provide written notice to the contrary, we may supply your name to issuers of securities held in your account so you can receive important information regarding such securities. As provided by law and/or due to an independent relationship that may exist between an issuer and you, notwithstanding your objection, certain issuers of securities registered under the Investment Company Act of 1940, including the Fidelity Funds, have access to your identity through their transfer agent.

• Acknowledge receipt of the information regarding new margin interest rates and calculations.

• Understand that all transactions and instructions related to your account are subject to Fidelity‘s policies and procedures, which may result in Fidelity‘s refusal to accept or execute any order, instruction or transfer related to your account for any reason at any time in its sole discretion.

• Acknowledge that if you or your Authorized agent/Advisor have elected a Bank Deposit Sweep Program as your core account option, your account is an eligible account, as that term is defined in the Bank Deposit Sweep Program disclosure documents. You further acknowledge that by electing a Bank Deposit Sweep Program as your core account option, the cash balance in your core account will be swept to an FDIC insurance-eligible interest-bearing account at a Bank. You also understand that a Bank Deposit Sweep Program is not a security and therefore is not protected by SIPC but when your core account balance is swept to an FDIC account at a Bank, it is eligible for FDIC insurance subject to FDIC insurance coverage limits.

• Acknowledge that you have received the description of the core account in the Client Account Agreement, including Fidelity‘s right to change the options available as core account options with notice to you when required, and consent to having free credit balances held or invested in the core account options made available.

• Acknowledge that this account is governed by a pre-dispute arbitration clause, which appears on page 2 of 5 of the Terms and Conditions for Advisor Authorizations and Designations attached hereto, and you acknowledge that you have received a copy of this clause.

continued on next page

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Fidelity Brokerage Services LLC, Member NYSE, SIPC 1.848179.104 - 463771.7.0 (05/16)

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5. Signatures and Dates continued

Acknowledge that this account is governed by a predispute arbitration clause, which appears on the last page of the account agreement, and you acknowledge that you have received a copy of this clause.

Margin Applicants Only:

BY SIGNING THIS APPLICATION YOU ACKNOWLEDGE THAT YOUR SECURITIES MAY BE LOANED TO FIDELITY OR OTHERS AND THAT YOU HAVE READ AND RETAINED A COPY OF THE MARGIN DISCLOSURE STATEMENT AND MARGIN AGREEMENT. You agree to be bound by such terms and conditions as are currently in effect and as may be amended from time to time.

All account owners must sign and date. For Trust accounts, all trustees must sign and date. For business accounts, all authorized individualsmust sign and date.

Print Account Owner Name First, M.I., Last Print Account Owner Name First, M.I., Last

Account Owner Signature Date MM - DD - YYYY Account Owner Signature Date MM - DD - YYYY

SIG

N

SIG

NPrint Account Owner Name First, M.I., Last Print Account Owner Name First, M.I., Last

Account Owner Signature Date MM - DD - YYYY Account Owner Signature Date MM - DD - YYYY

SIG

N

SIG

N

Fidelity Retirement Plan account, including Self-Employed 401(k) account

By signing below, the Plan Administrator (“you”) acknowledges that the above Account Holder is adding an Advisor, with Trading Authorizations, as designated above, to his/her existing plan account. You authorize Fidelity to accept instructions from the Authorized agent/Advisor to buy, sell, exchange, and otherwise trade securities in the Participant’s account to the same extent as the Participant is permitted to do. You have been provided the Authorized agent’s/Advisor’s fee schedule and you authorize Fidelity to deduct the Authorized agent’s/Advisor’s fees from the Participant’s

account(s), based solely on instructions from the Authorized agent/Advisor, and sent directly to the Authorized agent/Advisor. In addition, you acknowledge and direct that (1) the Authorized agent’s/Advisor’s fees will be deducted and disbursed from the Participant’s account(s) under the Plan, (2) such fee deductions and disbursements are permitted under the terms of the Plan and controlling plan documents, and are reasonable expenses in light of the services provided to the participant, (3) Fidelity will not monitor the amount or timing of such fee deductions and disbursements with regard to their reasonableness, and (4) such fee deductions and disbursements will

be treated as non-reportable, nontaxable transactions for tax purposes (except to the extent reportable to the Authorized agent/Advisor as fee income), unless and until you direct Fidelity otherwise.

You agree to indemnify and hold harmless FMTC, FBS and NFS, and their agents, employees, officers, directors and control persons, from any claims, losses or other adverse consequences that may result from implementing this Account Holder’s instructions or from relying upon the Advisor’s representation on behalf of the Account Holder.

Print Plan Administrator Name First, M.I., Last

Plan Administrator Signature Date MM - DD - YYYY

SIG

N

To: Fidelity Brokerage Services LLC and National Financial Services LLC (collectively, “Fidelity” or “us” or “we”).

The Role of the Authorized agent(s)/Advisor(s)

With respect to the Authorized agent(s)/Advisor(s) you have authorized on this retirement or nonretirement account, you understand and agree that:

• You have chosen your Authorized agent(s)/Advisor(s) based on criteria you believe appropriate for your investment needs and without any advice from Fidelity.

• Your Authorized agent(s)/Advisor(s) have collected from you sufficient information to make investment management and trading decisions that are suitable to your financial goals and circumstances.

• Your Authorized agent(s)/Advisor(s) is not affiliated with us and is not authorized to act as our agent or make representations on our behalf. Fidelity and you or Authorized agent(s)/Advisor(s) have no relationship except as described in this agreement.

• All investment or trading decisions and trading activity on your account will be made solely by you or your Authorized agent(s)/Advisor(s), meaning only those Authorized agent(s)/Advisor(s) named in this Add Advisor to Fidelity Personal Investments Account form or those designated subsequently in writing to us.

• We are authorized to accept and act on all instructions of your Authorized agent(s)/Advisor(s) that are in accordance with this agreement, until we receive written notice from you revoking this authorization.

• Fidelity will have no duty to inquire into the authority of the Authorized agent(s)/Advisor(s) to engage in particular transactions or investment strategies or to monitor the terms of any oral or written agreement between you and the Authorized agent(s)/Advisor(s). You represent that your Authorized agent/Advisor has disclosed to you all third-party service providers it uses and any data related to your account it makes available to third-party providers in the course of managing your account. You further agree that Fidelity will not undertake nor does it have any obligation to review or monitor these third-party providers.

• We reserve the right, but are not obligated, to request authorization from you prior to executing any transaction requested from your Authorized agent(s)/Advisor(s), including requests to change the address on your account, bank wires or EFTs, and to restrict, not accept or cease accepting instructions from your Authorized agent(s)/Advisor(s) at Fidelity’s sole discretion and for its sole protection.

• We are not responsible for reviewing, monitoring, or supervising your Authorized agent(s)/Advisor(s), their strategies, plans, fee calculations, or the suitability or frequency of the investment or trading activity in your account, nor for verifying the authority of an Authorized agent(s)/Advisor(s) before placing orders, nor for monitoring the terms of any oral or written agreement between you and any Authorized agent(s)/Advisor(s).

• Your Authorized agent(s)/Advisor(s) is obligated to comply with, and make all disclosures as required by, all applicable state, Federal and industry securities laws and regulations, and interpretations promulgated thereunder, including, but not limited to, the Investment Advisers Act of 1940, the Securities Exchange Act of 1934, the Investment Company Act of 1940 and the Financial Industry Regulatory Authority (FINRA) Conduct Rules. Fidelity will not undertake to confirm or ensure that your Authorized agent(s)/Advisor(s) remains in compliance with its obligations.

• You shall indemnify and hold harmless Fidelity and Fidelity Management Trust Company and their officers, directors, employees, agents and affiliates from and against any and all losses, claims or financial obligations that may arise from acting on the instructions of your Authorized agent(s)/Advisor(s) based on the authorizations you granted herein, and any act or omission of your Authorized agent(s)/Advisor(s) with respect to your account. This indemnity is in addition to, and in no way restricts, any rights that may exist at law or under any agreement(s) between you and Fidelity. This indemnity shall be construed, administered and enforced according to the laws of the Commonwealth of Massachusetts. It shall inure to the benefit of Fidelity and of any successor firm or firms (whether by merger, consolidation or otherwise) irrespective of any change(s) at any time in the personnel thereto for any cause whatsoever, and to the benefit of the affiliates and the assigns of Fidelity or any successor firm.

• Your Authorized agent(s)/Advisor(s) is authorized to act for you and on your behalf in the same manner and with the same force and effect as you might or could do to the extent necessary or incidental to the furtherance or conduct of the account, in accordance with this agreement or your separate standing instructions.

• Your Authorized agent(s)/Advisors will have access to tax reporting information about your account.

How We Support Your Authorized agent(s)/Advisor(s)

Fidelity provides your Authorized agent(s)/Advisor(s) with a range of services and other benefits to help them conduct their business and serve you. For instance, Fidelity may pay for or provide your Authorized agent(s)/Advisor(s) with technology solutions to help facilitate their integration with Fidelity’s brokerage system and streamline their operations. These may include Fidelity’s proprietary integrated analysis, trading, and reporting system that allows Authorized agent(s)/Advisor(s) to communicate electronically with Fidelity. We also offer investment research to help your Authorized agent(s)/Advisor(s) make well informed investment decisions for your account. Trained Fidelity representatives are available to provide administrative support to your Authorized agent(s)/Advisor(s).

We may assist your Authorized agent(s)/Advisor(s) in their marketing activities, including by providing marketing toolkits and other forms of marketing materials your Authorized agent(s)/Advisor(s) may use or adapt for their purposes, co-sponsor events sponsored by your Authorized agent(s)/Advisor(s), or engage in joint marketing initiatives with your Authorized agent(s)/Advisor(s). We may assist your Authorized agent(s)/Advisor(s) in joining our platform and in completing documentation to enroll clients to receive our services, and this may include providing or paying for clerical staff to assist and, in some cases, paying account transfer fees or other charges you or other clients may have to pay when changing custodians or service providers.

In limited circumstances, we may also make direct payments to your Authorized agent(s)/Advisor(s). For example, we may reimburse your Authorized agent(s)/Advisor(s) for reasonable travel expenses incurred when reviewing our business and practices. We also may pay your Authorized agent(s)/Advisor(s) for performing certain back-office, administrative, custodial support, and clerical services for us in connection with client accounts for which we act as custodian. These payments may create an incentive for your Authorized agent(s)/Advisor(s) to favor certain types of investments over others.

These and other services we furnish will provide benefits to your Authorized agent(s)/Advisor(s) and may be made available to your Authorized agent(s)/Advisor(s), at no fee or at a discounted fee, and the terms may vary among Authorized agent(s)/Advisor(s) depending on the business they and their clients conduct with us and other factors. Fidelity’s provision of these services and other benefits to your Authorized agent(s)/Advisor(s) may be based on clients of your Authorized agent(s)/Advisor(s) placing a certain amount of assets in accounts with us within a certain period of time. Your Authorized agent(s)/Advisor(s) may be influenced by this in recommending or requiring that its clients establish accounts with us. These products and services may not necessarily benefit your account.

Fidelity and your Authorized agent(s)/Advisor(s) may agree to pricing (including commissions and transaction account and service fees) for client accounts of your Authorized agent(s)/Advisor(s) at Fidelity, including your own account, based on the nature and scope of business your Authorized agent(s)/Advisor(s) does with us, including the current and future expected amount of the client assets of your Authorized agent(s)/Advisor(s) that are in our custody, the types of securities managed by your Authorized agent(s)/Advisor(s), and the expected frequency of trading by your Authorized agent(s)/Advisor(s). We may change this pricing and the services and other benefits we provide if the nature or scope of business of the business your Authorized agent(s)/Advisor(s) does with us changes or does not reach certain levels, in which case pricing for the client accounts of your Authorized agent(s)/Advisor(s), including your own account, may increase to an amount we decide but not to exceed our standard pricing for Authorized agent(s)/Advisor(s) that custody with Fidelity.

Your Authorized agent(s)/Advisor(s) may be required to disclose information pertaining to its receipt of the services and benefits to you. Fidelity has no responsibility to monitor, nor will it undertake to review your advisor’s practices or disclosures to determine if they are consistent with applicable law.

For further information about the programs and incentives available to your Authorized agent(s)/Advisor(s) in managing your account through Fidelity, feel free to contact us or your Authorized agent(s)/Advisor(s) directly.

Trading Authorizations

A. You have indicated on this form that you have authorized one or more Authorized agents/Advisors to execute trades on your account, and Fidelity is authorized and directed to accept any trading, servicing, account-related, or other instruction of the Authorized agent(s)/Advisor(s)

Advisor Authorizations and Designations

Customer Terms and Conditions

Page 1 of 5

on your behalf. The Authorized agent(s)/Advisor(s) may inquire in and trade in your account as specified, and Fidelity is authorized and directed to accept the instructions of the Authorized agent(s)/Advisor(s). The authorization shall be applicable to all assets you hold in the specified account. Except as otherwise provided, the Authorized agent(s)/Advisor(s) is not authorized to withdraw, or direct the withdrawal of, assets from your account.

B. You understand and agree that:

1. By granting trading authorization to your Authorized agent(s)/Advisor(s), you understand and agree that your advisor will have the ability to instruct Fidelity to initiate transfers of cash from your bank account to your Fidelity account, based on standing written funds transfer instructions provided by you to Fidelity.

2. Fidelity is further authorized to act upon your Authorized Agent’s(s’)/Advisor’s(s’) instructions to aggregate transaction orders for your Account with orders for one or more other accounts over which the Authorized agent(s)/Advisor(s) has trading authorization, or to accept or deliver assets pursuant to a separately executed authorization you have granted to your Authorized agent(s)/Advisor(s) in transactions executed by other Broker/Dealers where Authorized agent(s)/Advisor(s) has so aggregated orders. You agree that if any such aggregated order is executed in more than one transaction, your portion of such order may be deemed to have been at the weighted average of the prices at which all of such transactions were executed.

Asset Movement Authorization Definitions

I understand that if I do not select Level I or Level II asset movement authority or if I choose to have no asset movement authority on this account, each cashiering or money movement request will require my signature.

Level 1

By selecting Level 1 asset movement authorization on the attached form, you authorize and direct Fidelity to accept instructions from your Authorized agent(s)/Advisor(s) for one-time disbursements and the establishment of, and changes to periodic disbursements (Periodic Distribution Plans) from your account. Please note that distribution instructions (or any Asset Movement Authorizations) do not apply to Fidelity Retirement Plan accounts, including Self-Employed 401(k) accounts.

This includes:

• Redemptions and payment of monies from your account by check made payable to you and sent to you at your address.

• Disbursement of funds electronically, including bank wires and electronic funds transfers (EFTs), to any bank account pursuant to a standing written instruction provided to Fidelity and signed by you, and check disbursements to any payee and address you have authorized through standing written instructions provided to Fidelity and signed by you.

• For nonretirement brokerage accounts, transfers of cash or securities from this account to other same-registration accounts at Fidelity, or from this account to any third-party account at Fidelity you have authorized through standing written instructions.

• For IRAs, transfers of cash or securities from this account to other same registration IRAs that are not reported for tax purposes.

• Distributions from this account to Fidelity nonretirement brokerage accounts you own individually, conversions to Roth IRAs and transfers from this account to any third-party account at Fidelity you have authorized through standing written instructions, including distributions from this account to Fidelity nonretirement brokerage accounts with different owners and/or registrations.

A Periodic Distribution Plan is a plan that enables scheduled recurring distributions of predetermined amounts from your account as described above.

Level 2

By Selecting Level 2 asset movement authorization on the attached form, you authorize and direct Fidelity to accept instructions from your Authorized agent/Advisor as described in Level 1 and, in addition, to accept instructions from your Authorized agent/Advisor, without receiving instructions directly from you, to transfer monies from your IRA or Fidelity nonretirement brokerage account by wire to accounts at banks or other financial institutions that your Authorized agent/Advisor has represented to Fidelity have the same account owner or owners and the same registration type as this account. By granting this authorization, you understand and agree that Fidelity will not undertake to confirm your Authorized agent’s/Advisor’s representations as to bank account registration and cannot confirm the account registration at the receiving bank or financial institution. Therefore, Fidelity will not undertake to monitor your Authorized agent’s(s’)/Advisor’s(s’) compliance with your instructions to him or her and will rely solely upon the instructions of your Authorized agent/Advisor for these transfers. You understand that you should carefully review your account documentation and monitor all activity in your account. Fidelity may require direct instructions from you on transactions over a certain dollar amount.

Commissions/Fees/Pricing

You hereby authorize your Authorized agent(s)/Advisor(s) to enter into such schedule of interest rates, commission rates and any other fee schedules for your account as may be determined between your Authorized agent(s)/Advisor(s) and Fidelity, and you hereby certify that your Authorized agent(s)/Advisor(s) has informed you of such interest rates, commission rates and other fee schedules, and you agree to be bound thereby.

Authorization to Pay Fees to Advisor

By signing the account application, you authorize Fidelity to pay management fees to your Authorized agent(s)/Advisor(s) or his/her agent. You authorize Fidelity to pay Authorized agent(s)/Advisor(s) from your account. Fidelity may use money from the Core Transaction Account and/or cash in your account to the extent necessary to pay such fees. Fidelity may rely on the fee calculation submitted by Authorized agent(s)/Advisor(s) to Fidelity to deduct from your account. You understand that it is your responsibility to verify the fee and the accuracy of the fee calculation and that Fidelity will not determine whether the fee or the calculation is accurate and appropriate.

Assignment

Authorized agent(s)/Advisor(s) may not assign this or any related agreement without the prior written consent of you and Fidelity. All authorizations granted to your Authorized agent(s)/Advisor(s) shall inure to the benefit of your Authorized agent’s(s’)/Advisor’s(s’) successors, whether by merger, consolidation or otherwise, and assigns, and Fidelity may transfer the Authorized agent’s(s’)/ Advisor’s(s’) authorizations to the successors and assigns.

Termination of Authorization

The authorizations you have granted in this Agreement will remain effective until Fidelity is notified in writing of your death, disability or incapacity or unless revoked through written notice actually received by Fidelity. Such revocation will not affect your obligation resulting from transactions initiated prior to Fidelity’s receipt of such written notice. You understand that if Fidelity terminates its account agreement with your Authorized agent(s)/Advisor(s), Fidelity will not be obligated to honor the authorization you have granted to your Authorized agent(s)/Advisor(s) in this Agreement, and you will have exclusive control over, and responsibility for, your account; and unless Fidelity notifies you otherwise, your account will become a Fidelity Personal Investments brokerage account. This agreement may be modified or amended only pursuant to a written agreement signed by a duly authorized representative of Fidelity.

Furthermore, it is understood that the authorizations you have granted to your Authorized agent(s)/Advisor(s) in this form are in addition to, and in no way restrict, any rights that may exist at law or under any other agreement(s) between you and Fidelity. The authorizations you have granted to your Authorized agent(s)/Advisor(s) in this form shall be construed, administered and enforced according to the laws of the Commonwealth of Massachusetts. They shall inure to the benefit of Fidelity and of any successor firm or firms (whether by merger, consolidation or otherwise) irrespective of any change(s) at any time in the personnel thereto for any cause whatsoever and to the benefit of the affiliates and the assigns of Fidelity or any successor firm.

Pre-Dispute Arbitration Agreement

This agreement contains a pre-dispute arbitration clause. By signing an arbitration agreement, the parties agree as follows:

(A) All parties to this agreement are giving up the right to sue each other in court, including the right to a trial by jury, except as provided by the rules of the arbitration forum in which a claim is filed.

(B) Arbitration awards are generally final and binding; a party’s ability to have a court reverse or modify an arbitration award is very limited.

(C) The ability of the parties to obtain documents, witness statements and other discovery is generally more limited in arbitration than in court proceedings.

(D) The arbitrators do not have to explain the reason(s) for their award unless, in an eligible case, a joint request for an explained decision has been submitted by all parties to the panel at least 20 days prior to the first scheduled hearing date.

(E) The panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with the securities industry.

(F) The rules of some arbitration forums may impose time limits for bringing a claim in arbitration. In some cases, a claim that is ineligible for arbitration may be brought in court.

(G) The rules of the arbitration forum in which the claim is filed, and any amendments thereto, shall be incorporated into this agreement.

All controversies that may arise between you, your Authorized agent/Advisor and Fidelity concerning any subject matter, issue or circumstance whatsoever (including, but not limited to, controversies concerning any account, order or transaction, or the continuation, performance, interpretation or breach of this or any other agreement between you, your Authorized agent/Advisor and Fidelity whether entered into or

Page 2 of 5

arising before, on or after the date this account is opened) shall be determined by arbitration in accordance with the rules then prevailing of the Financial Industry Regulatory Authority (FINRA) or any United States securities self-regulatory organization or United States securities exchange of which the person, entity or entities against whom the claim is made is a member, as you may designate. If you designate the rules of a United States self-regulatory organization or United States securities exchange and those rules fail to be applied for any reason, then you shall designate the prevailing rules of any other United States securities self-regulatory organization or United States securities exchange of which the person, entity or entities against whom the claim is made is a member. If you do not notify Fidelity in writing of your designation within five (5) days after such failure or after Fidelity receives from you a written demand for arbitration, then you authorize Fidelity to make such designation on your behalf. The designation of the rules of a self-regulatory organization or securities exchange is not integral to the underlying agreement to arbitrate. You understand that judgment upon any arbitration award may be entered in any court of competent jurisdiction.

No person shall bring a putative or certified class action to arbitration, nor seek to enforce any pre-dispute arbitration agreement against any person who has initiated in court a putative class action; or who is a member of a putative class who has not opted out of the class with respect to any claims encompassed by the putative class action until:

(i) the class certification is denied; or

(ii) the class is decertified; or

(iii) the customer is excluded from the class by the court. Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this agreement except to the extent stated herein.

Statements/Periodic Reports/Proxies

You will receive a statement of all transactions quarterly, and monthly in the months where there is activity in your account, unless you have authorized on this form to direct all written trade confirmations to your Authorized agent(s)/Advisor(s) in lieu of sending them to you directly.

The only transactions that are not reflected on confirmation statements are automatic investments, automatic withdrawals, dividend reinvestments, and transactions that involve only your core account; for these activities, your regular account statement serves in place of a confirmation statement.

If in lieu of confirmations you have elected to receive quarterly account statements detailing all trade confirmations, and you understand that receiving quarterly account statements impacts your ability to monitor as promptly the trading activity and investment decisions made by your Authorized agent(s)/Advisor(s). You can revoke these instructions with written notice to us.

The account statement will detail: securities bought or sold in your securities account, whether on margin or on a fully paid basis; all purchases of merchandise, services and cash advances made with the check or debit card; redemption checks; margin loans and repayments and interest charges, if any; the number of fund shares that were purchased or redeemed for you; and electronic funds transfers and monthly fees assessed.

By authorizing Fidelity to deliver prospectuses to your Authorized agent(s)/ Advisor(s) in lieu of sending them to you, you acknowledge that you will not receive prospectuses on securities held in your account and that it is your responsibility to evaluate the appropriateness of trading decisions made by your Authorized agent(s)/Advisor(s).

If you direct Fidelity to deliver your prospectuses, proxies, related materials or corporate actions to your Authorized agent(s)/Advisor(s) instead of delivering these documents to you, and you authorize Fidelity to accept votes from your Authorized agent(s)/Advisor(s) on proxies and corporate actions, you represent and agree to the following:

• Fidelity has no responsibility to verify any of the representations you make with respect to these instructions.

• If your Authorized agent(s)/Advisor(s) has identified a proxy-related third-party administrator on this form, you represent that you have separately authorized your Authorized agent(s)/Advisor(s) to use such an administrator, your Authorized agent(s)/Advisor(s) may not delegate to the proxy administrator the right to determine your proxy vote, and Fidelity may honor instructions from your Authorized agent(s)/Advisor(s) to forward proxy materials to the administrator and may accept your Authorized agent’s(s’)/Advisor’s(s’) proxy voting decisions when communicated to Fidelity by the administrator.

• You confirm that any and all Authorized agents/Advisors you have designated and authorized are either state or SEC-registered investment advisors, and have discretion over your account pursuant to a separate written advisory contract.

Instructions, Terms and Conditions applicable toPremiere Select® Retirement Accounts and Fidelity SIMPLE IRAsThe attached form should be used to authorize your Authorized agent/Advisor to initiate certain types of distributions and Roth conversions (collectively “distributions”) from your Premiere Select Traditional IRA, Roth IRA, Rollover IRA, SEP-IRA, IRA Beneficiary Distribution Account, Roth IRA Beneficiary Distribution Account or Fidelity SIMPLE IRA (“IRAs”) on your behalf, or to change/delete existing authorization. Note that distribution instructions (or any Asset Movement Authorizations) do not apply to Fidelity Retirement Plan accounts, including Self-Employed 401(k) accounts.

Important: This form cannot be used to request certain types of distributions, including a periodic distribution plan. To establish a periodic distribution plan, you must complete a Premiere Select IRA Periodic Distribution Request form which can be obtained from your Authorized agent/Advisor.

Read these Instructions, Terms and Conditions carefully before completing the attached form. You, and not your Authorized agent/Advisor, are responsible for complying with IRS rules governing IRA distributions, including required minimum distributions and substantially equal periodic payments. If you fail to meet any IRS requirements regulating IRA distributions, you may be subject to tax penalties. If you have any questions regarding your specific situation, consult with your tax advisor. Actions taken by your Authorized agent/Advisor on your account are binding and subject to the same rules as if you had directly instructed Fidelity. Distributions and tax withholding generally cannot be reversed once completed. Any corrections to an error on your part or that of your Authorized agent/Advisor will generally have to follow applicable IRS rules and regulations.

Distributions made in cash will be paid from the balance of your core account investment vehicle (“core account”). It is you and your Authorized agent’s/Advisor’s responsibility to ensure there are sufficient funds available in the core account to process the distribution.

For full distributions, a $75 liquidation/termination fee, if applicable, as described in your Premiere Select IRA Application or in some other manner acceptable to the Custodian, will be collected from the final distribution amount.

If you have any questions, consult your Authorized agent/Advisor.

Designation of Authorization

By completing and signing the attached form, you are authorizing your Authorized agent/Advisor, as your agent, to provide direction to Fidelity to make distributions from your Premiere Select IRA or Fidelity SIMPLE IRA. Your Authorized agent/Advisor will be authorized to direct Fidelity to pay an IRA distribution regardless of the tax consequences of such distribution. If a distribution is made by check, it may only be sent to your address of record. Your Authorized agent/Advisor will be authorized to direct Fidelity regarding the following:

Timing and amount – Your Authorized agent/Advisor will direct Fidelity with respect to the timing and specific amount of distributions to be made in cash or in kind.

Note: In-kind transactions with tax withholding may only be requested by submitting a Premiere Select IRA One-Time Distribution Request form.

Reason for distribution – Your Authorized agent/Advisor will direct Fidelity with respect to the reason for the distribution. The following reasons may apply:

• Normal – if you are at least age 59½.

• Premature – if you are under the age of 59½ (includes qualified first- time home purchases, distributions for qualified higher education expenses, and Substantially Equal Periodic Payments (SEPPs)).

• Roth Conversion (refer to Roth Conversion section below).

• Return of Excess Contribution.

• Death Distribution.

Page 3 of 5

Note:

• Transfers between like registered accounts will be treated as trustee to trustee transfers and not reported for tax reporting purposes. If you are transferring to a like registered IRA outside of Fidelity, the amount will be reported unless you provide documentation from the successor IRA custodian that shows that firm’s acceptance as successor IRA custodian.

• If you are taking a qualified Roth IRA distribution, your account must meet the IRS requirement of the 5-taxable-year period, which begins on the first day of your taxable year for which the first regular contribution is made to any Roth IRA owned by you or, if earlier, the first day of your taxable year in which the first conversion contribution is made to any Roth IRA owned by you.

• If you are under age 59½ and are taking distributions from your SIMPLE IRA before the expiration of the two-year period beginning on the date your employer makes the first contribution to your SIMPLE IRA, you may be subject to a 25% penalty.

Payment method – Your Authorized agent/Advisor will direct Fidelity to pay distributions from your Premiere Select IRA to you or a third party based on the Asset Movement Authorization levels.

Tax withholding – Your Authorized agent/Advisor will direct Fidelity with respect to the federal and state tax withholding elections for the distribution. Note: By signing this form, you assume the responsibilities associated with any distribution initiated by you or your Authorized agent/Advisor.

Important: You must complete a Premiere Select IRA One-Time Distribution Request form and submit it to your Authorized agent/Advisor for the following requests:

• A distribution due to death or disability.

• A distribution to correct an excess contribution.

• A rollover to an employer-sponsored retirement plan.

Standing Instructions

You must establish standing instructions to permit your Authorized agent/Advisor to disburse funds electronically or via check disbursement (including via Bank Wire, EFT, ACH and any other means available) or to a Fidelity nonretirement account that you do not own individually or to permit your Authorized agent/Advisor to make checks payable to an alternate payee or sent to an alternate address. Note: For Inherited IRAs and Roth Inherited IRAs owned by an entity such as a trust or an estate, standing instructions would be required to disburse funds electronically unless funds are moving to identically registered Inherited IRAs and Roth Inherited IRAs.

Roth Conversions

Your Authorized agent/Advisor will have the authority to convert IRA assets in your account to a Roth IRA. Read the following Roth conversion rules carefully:

• The taxable converted amount will be subject to federal income taxes in the year in which the conversion occurs, but not subject to the early withdrawal penalty.

• If you are required to take a required minimum distribution from your IRA, you must do so prior to converting to a Roth IRA.

• SIMPLE IRA assets may be converted to a Roth IRA only after the expiration of the two-year period beginning on the date your employer first made contributions to your SIMPLE IRA.

• If you are opening a new Premiere Select Roth IRA, you must complete a Premiere Select IRA Application, selecting a Roth IRA registration, and submit it to Fidelity prior to requesting a Roth conversion.

Notice of Withholding

Read carefully before completing the Tax Withholding Elections section of the form.

An IRA distribution (other than Roth IRA distributions and Direct Rollovers) is subject to federal (and, in some cases, state) income tax withholding unless you elect not to have withholding apply. Withholding will apply to the gross amount of each distribution, even if the IRA owner has made nondeductible contributions. Moreover, failure to provide a U.S. residential address will result in 10% federal income tax withholding on the distribution proceeds even if you have elected not to have tax withheld (an IRS requirement as applicable). A Post Office Box does not qualify as a residential address.

If you elect to have withholding apply (by indicating so on the distribution request form, by making no choice, or by not providing a U.S. residential address), federal income tax will be withheld from the IRA owner’s distribution(s) (excluding Roth IRA distributions and Direct Rollovers) at a rate of at least ten percent (10%). Federal income tax will not be withheld from distributions from a Roth IRA unless you elect to have such tax withheld.

The IRA distribution may also be subject to state income tax withholding. See below for IRA owner’s state’s withholding rules. The IRA owner’s state of residence will determine his or her state income tax withholding requirements, if any. The IRA owner’s state of residence is determined by his or her legal address of record provided for the IRA.

Whether or not you elect to have federal and, if applicable, state income tax withheld, the IRA owner is still responsible for the full payment of federal income tax, any state tax or local taxes, and any penalties that may apply to this distribution(s). Whether or not you elect to have withholding apply (by indicating so on the distribution form), the IRA owner may be responsible for payment of estimated taxes. The IRA owner may incur penalties under the IRS and applicable state tax rules if the IRA owner’s estimated tax payments are not sufficient.

If the IRA owner is not a U.S. person (including a U.S. resident alien), you must submit IRS Form W-8BEN, Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding, prior to submitting the distribution request form to claim tax treaty benefits, if applicable. A distribution will be subject to applicable non-treaty tax withholding rates if the IRA owner fails to provide Form W-8BEN. To obtain Form W-8BEN, consult a tax advisor or go to the IRS website at http://www.irs.gov.

Withholding Options

State of residence State tax withholding options

AK, FL, HI, NH, NV, SD,TN, TX, WA, WY

• No state tax withholding is available (even if your state has income tax).

AR, IA, KS, MA, ME, OK, VT

• If you choose federal withholding, you will also get state withholding at your state’s minimum withholding rate or an amount greater as specified by you.

• If you do NOT choose federal withholding, state withholding is voluntary.

• If you have state withholding, you can request a higher rate than your state’s minimum but not a lower rate, except on Roth IRA distributions.

CA, DE, NC, OR • If you choose federal withholding, you will also get state withholding at your state’s minimum withholding rate unless you request otherwise.

• If you do NOT choose federal withholding, state withholding is voluntary.

• If you have state withholding, you can request a higher rate than your state’s minimum but not a lower rate, except on Roth IRA distributions.

DC Only applicable if taking a full distribution of entire account balance.

• If you are taking distribution of your entire account balance and not directly rolling that amount over to another eligible retirement account, DC requires that a minimum amount be withheld from the taxable portion of the distribution, whether or not federal income tax is withheld. In that case, you must elect to have the minimum DC income tax amount withheld by completing the Tax Withholding section.

• If your entire distribution amount has already been taxed (for instance only after-tax or nondeductible contributions were made and you have no pre-tax earnings), you may be eligible to elect any of the withholding options.

• If you wish to take a distribution of both taxable and nontaxable amounts, you must complete a separate distribution request form for each and complete the Tax Withholding section of the forms, as appropriate.

continued on next page

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Signatures and Dates

Before signing this form, carefully read the Premiere Select IRA Custodial Agreement and Disclosure Statement or Premiere Select Roth IRA Custodial Agreement and Disclosure Statement or Fidelity SIMPLE IRA Custodial Agreement and Disclosure Statement, as applicable, as well as all sections in the Instructions, Terms and Conditions above. This form is part of a legal agreement between you and Fidelity, and by signing, you are agreeing to be bound by the terms and conditions contained in the above-mentioned documents. Neatly print the current date in block letters in the space provided next to your signature.

Borrowing on Margin

Margin is not available for retirement accounts.

Margin Costs

Understanding how margin charges are calculated is essential for any investor considering or using margin. The information below, provided in conformity with federal securities regulations, is designed to help you understand the terms, conditions, and methods associated with our margin interest charges.

For all margin borrowing—regardless of what you use it for—we charge interest at an annual rate that is based on two factors: the Fidelity Advisor Base Lending Rate (“base rate”), and your average debit balance. We set our base rate with reference to commercially recognized interest rates, industry conditions regarding margin credit, and general credit conditions. The table below shows the premiums we apply to our base rate depending on the average debit balance:

Average Debit BalanceInterest to Be Charged Above Base Rate

$0–$9,999.99 +2.00%

$10,000–$24,999.99 +1.50%

$25,000–$49,999.99 +1.00%

$50,000–$249,999.99 +0.75%

$250,000–$999,999.99 +0.50%

$1,000,000–$4,999,999.99 +0.25%

$5,000,000+ +0.20%

In determining your debit balance and interest rate, we combine (by computer) the margin balances in all of your accounts except short accounts and income accounts. We then compute interest for each account based on the rate resulting from averaging the daily debit balances during the interest period.

Your rate of interest will change without notice based on changes in the base rate and in your average debit balance. When your interest rate is increased for any other reason, we will give you at least 30 days’ written notice. If the base rate is stated as a range, we may apply the high end of the range.

For any month where your monthly margin charges are $1 or more, your monthly statement will show both the dollar amount and the rate of your interest charges.

If your interest rate changed during the month, separate charges will be shown for each rate. Each interest cycle begins the first business day following the 20th of each month.

Other Charges

You may be assessed separate interest charges, at the base rate plus 2%, in connection with any of the following:

• Payments of the proceeds of a security sale in advance of the regular settlement date (such prepayments must be approved in advance).

• When the market price of a “when-issued” security falls below your contract price by more than the amount of your cash deposit.

• When payments for securities purchased are received after the settlement date.

How Interest is Computed

Interest on debit balances is computed by multiplying the average daily debit balance of the account by the applicable interest rate in effect and dividing by 360, times the number of days a daily debit balance was maintained during the interest period.

Marking to Market

The credit balance in the short account will be decreased or increased in accordance with the corresponding market values of all short positions. Corresponding debits or credits will be posted to the margin account. These entries in the margin account will, of course, affect the balance on which interest is computed. Credits in your short account, other than marking to market, will not be used to offset your margin account balance for interest computation.

Fidelity Brokerage Services LLC, Member NYSE, SIPC 1.848179.104 - 463771.7.0 (05/16)

Withholding Options continued

State of residence State tax withholding options

MI • MI generally requires state income tax of at least your state’s minimum requirements regardless of whether or not federal income tax is withheld.

• Tax withholding is not required if you meet certain MI requirements governing pension and retirement benefits. Reference the MI W-4P Form for additional information about calculating the amount to withhold from your distribution.

• If you are subject to MI state tax withholding, you must elect state tax withholding of at least your state’s minimum by completing the Tax Withholding section.

• Contact your tax advisor or investment representative for additional information about MI requirements.

MS • If you choose federal withholding, you will also get state withholding at your state’s minimum withholding rate unless you request otherwise.

• If you do NOT choose federal withholding, state withholding will occur unless you request otherwise.

• If you have state withholding, you can request a higher rate than your state’s minimum but not a lower rate, except on Roth IRA distributions.

OH • State tax withholding is voluntary. If you choose state withholding, you can choose a higher rate than your state’s minimum but not a lower rate, except on Roth IRA distributions.

SC • SC requires state withholding if you have not provided a Tax ID or if you have been notified of a name/Tax ID mismatch and have not resolved the issue. Otherwise, state tax withholding is voluntary and you can choose the rate you want (any whole number between 1% and 99%).

All other states (and DC if not taking a full distribution)

• State tax withholding is voluntary and you can choose the rate you want (any whole number between 1% and 99%).

Important: State tax withholding rules can change, and the rules cited above may not reflect the current ruling of the IRA owner’s state. Consult with a tax advisor or state taxing authority to obtain the most up-to-date information pertaining to the IRA owner’s state.

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Asset-Based Pricing Supplement This supplement sets forth the terms and conditions for Asset-Based Pricing. Contact your Authorized agent(s)/Advisor(s) to determine if this supplement applies to your account.

1.868856.102 Page 1 of 3

This Fidelity Asset-Based Pricing Supplement (“Supplement”) is part of my Client Account Agreement. Unless otherwise defined in this Supplement, defined terms have the same meaning as in my Client Account Agreement. In the event any provision in this Supplement conflicts or is inconsistent with any provision of my applicable Client Account Agreement, the provisions of this Supplement will control for matters related to my or my Authorized agent(s)/Advisor(s) having chosen Asset-Based Pricing for my Account(s). In the event that any provisions in this Supplement or my Client Account Agreement conflicts or is inconsistent with any provision of the Premiere Select IRA Custodial Agreement and Disclosure Statement, or Premiere Select Roth IRA Custodial Agreement and Disclosure Statement, as applicable, the provisions of the Premiere Select IRA (or Roth IRA) Custodial Agreement and Disclosure Statement will control. As noted in the Client Account Agreement, I have authorized my Authorized agent(s)/Advisor(s) to enter into such schedule of interest rates, commission rates and any other fee schedules for my accounts. More specifically, my Authorized/agent(s)/Advisor(s) have entered into an Asset-Based Pricing relationship for my account(s) established at Fidelity. Account(s) chosen for Asset-Based Pricing (“ABP Account(s)”) will, subject to certain restrictions, receive Fidelity’s customary securities brokerage and execution services for an asset-based fee (“Asset-Based Fee” or “ABF”) based on the value of certain assets in ABP Accounts, generally in lieu of paying commissions and similar costs at the time of each transaction. I understand that the ABF for each account is calculated and charged based only on the assets held in that account and does not take into consideration any other accounts or assets held at Fidelity.

1. Chargeable Assets. As used in this Supplement, “Chargeable Assets” mean:

•   all assets in the account excluding the following assets which are defined as non-chargeable: cash, cash equivalents, alternative investments, no transaction fee mutual funds, mutual funds with a load or sales charge, Fidelity Mutual Funds, same day settlement Money Market Funds, Unit Investment Trusts (UITs), and international securities that settle and are held in local currency. Note that an international security that is held in USD will be charged an asset-based fee.

Fidelity may change the definition of Chargeable Assets anytime, and any change will be effective in the following billing cycle with notice to me and my Authorized agent(s)/Advisor(s). Changes in these definitions may affect the ABF rate I am charged. In the event an Asset is deemed at any time to be non-chargeable, I understand transaction fees shall apply.

2. Asset-Based Fee. I agree to pay Fidelity an ABF calculated by applying the ABF as it has been communicated to me by my Authorized agent(s)/Advisor(s) to the average daily balance of Chargeable Assets held in each ABP Account. I understand that I may be subject to a minimum fee per billing cycle. The fees shall be communicated to me by my Authorized agent(s)/Advisor(s). I authorize Fidelity to provide notice of my fees or any changes in my fees to my Authorized agent(s)/Advisor(s) and I will be bound by such notice. It is my responsibility to determine from my Authorized agent(s)/Advisor(s) the fees being charged. A copy of my fee schedule can be obtained from Fidelity upon request.

For each ABP account, the ABF is calculated by applying the Annual Percentage Rate (measured by “basis points” or “BPS”) to the average daily balance of the Chargeable Assets in each ABP Account (schedule may be dependant on turnover classification of my account). The ABF shall be charged in arrears based on the average daily balance of Chargeable Assets in the ABP account for the billing period. Fidelity will calculate the ABF for each Billing Period by multiplying the average daily balance of Chargeable Assets for each month by the corresponding BPS (adjusted to a monthly amount by multiplying the annual percentage rate by the number of days in the month divided by 365 days (or, 366 days in the case of a leap year) of the applicable tiers of the schedule of my Authorized agent/Advisor. The ABF for the Billing Period will be the sum of the monthly amounts for said Billing Period. This shall be the ABF

fee billed for said billing period unless the sum is less than the period’s applicable minimum Account fee (“Minimum Fee”) described below. The ABF shall be charged to an account on or about the seventh day of the second month following the end of each billing period.

Accounts may be subject to a Minimum Fee to be billed on the same day as the ABF. The Minimum Fee does not apply when the ABP Account’s ABF for the billing period exceeds the applicable Minimum Fee. The amount charged, if applicable, will be shown on my account statement. The Minimum Fee charged will be reduced by the amount of the ABF charged to the ABP Account. Accounts may also be subject to an annual trade cap and excess trade fee applied to all trades in excess of the trade cap. The trade cap is based on the number of trades executed on all asset types and is calculated on an annual basis at the anniversary of the funding of the account or the establishment of the ABP on the account (“Anniversary Date”). Trade counting is done on a 12-month basis from the account’s Anniversary Date. Certain assets may be excluded from the trade cap. For further details, contact your Authorized agent(s)/Advisor(s).

The ABF, Minimum Fee and Trade Cap Fee may be changed by Fidelity in its discretion. I authorize Fidelity to provide notice of my fees or any changes in my fees to my Authorized agent(s)/Advisor(s) and I will be bound by such notice. It is my responsibility to determine from my Authorized agent(s)/Advisor(s) the fees being charged.

I authorize my Authorized agent/Advisor to determine which securities and other property are to be sold and to liquidate or withdraw the securities and other property in each ABP Account, without notice to me, to pay the ABF and any other fees due to Fidelity under this Supplement. Payment of the ABF generally will be made first from free credit balances (from my core money market mutual fund, in the case of IRAs), next from the liquidation of shares of money market funds, and finally from the liquidation of any remaining securities or other property. Transfers into the ABP Account(s) of Chargeable Assets will be subject to the ABF or Minimum Fee, if applicable.

3. Other Fees and Charges. The ABF does not cover all fees and charges that apply to my ABP Accounts. The ABF does not cover brokerage and execution costs associated with Non-Chargeable Assets held in my ABP Accounts or with securities and other property held outside my ABP Accounts. The ABF does not cover certain charges including but not limited to transfer taxes, regulatory and exchange fees electronic fund and wire transfer fees, storage, fabrication and delivery fees for precious metals, auction fees, debit balances, margin interest, certain odd-lot differentials, other charges imposed by law, charges imposed by custodians other than Fidelity, fees in connection with custodial, trustee and other services rendered by a Fidelity affiliate, certain fees in connection with trust accounting, or the establishment, administration, or termination of retirement or profit sharing plans, and fees for other products and services that Fidelity or its affiliates may offer. Customary brokerage and execution costs will apply to purchases and sales of Non-Chargeable Assets in my ABP Account, and these charges may be applied on a per-trade basis. My ABP Account also may be subject to Supplemental Charges and Closing Fees (defined below).

a. Closing Fee. Fidelity may charge a fee (“Closing Fee”) at the time of the termination of this Supplement or the closing of an ABP Account. This fee is in addition to any IRA termination/liquidation fees that may be applied.

b. Agency and Principal Trades. For agency transactions, I will pay the ABF in lieu of the commission, if any, that otherwise would be charged on a per-trade basis. However, I understand that principal transactions will be effected at a net price reasonably related to the prevailing market price and will include a dealer spread (normally the difference between the bid and the offer price). The dealer spread will vary based on a number of factors such as the nature and liquidity of the security. I further understand that Fidelity’s affiliate, National Financial Services LLC (“NFS”), generally will receive additional compensation or other benefits

1.868856.102 Page 2 of 3

from principal trades because of the dealer spread or because of any gains resulting from changes in the prices of securities and other property held for NFS’s own account before sale to, or after purchase from, me. Fidelity will not receive any additional compensation.

c. Underwritten Offerings. ABP Fees will be applied to underwritten offerings of eligible individual equities and fixed income securities purchased or held in my ABP Accounts. Underwritten offerings generally will be purchased only at the public offering price, which includes sales compensation. Fidelity’s affiliate, NFS, may receive a selling concession or other compensation which is part of the underwriting commission that is described generally in the relevant offering documents. Fidelity will not receive any additional compensation.

d. Commissions and Other Charges of other Broker-Dealers. The ABF does not cover commissions, commission equivalents, or other charges on transactions my Authorized agent(s)/Advisor(s) place with broker-dealers other than Fidelity that settle into or from my ABP Account. Any such charges will be separately charged to my ABP Account. ABP Fees will be applied to Chargeable Assets in my ABP Account that are purchased or sold through other broker-dealers but custodied at Fidelity. I understand that my Authorized agent(s)’/Advisor(s)’ use of Fidelity’s Prime Brokerage Services or other trade away programs will involve execution of transactions for my ABP Account by broker-dealers other than Fidelity, and that such transactions will be subject to additional fees charged by Fidelity for its Prime Brokerage Services or other trade-away program. Because I will be charged commissions, commission equivalents, dealer markups, markdowns, or other charges on transactions my Authorized agent(s)/Advisor(s) place with broker-dealers other than Fidelity – which will be in addition to the ABF I pay Fidelity under this Supplement – I recognize that my Authorized agent(s)/Advisor(s) may have an incentive to execute most transactions for settlement into my ABP Account through Fidelity. This incentive could, in some circumstances, conflict with my Authorized agent(s)’/Advisor(s)’ duties to obtain best execution of transactions for my ABP Account.

4. Valuation of Chargeable Assets. For purposes of determining the market value of the Chargeable Assets in my ABP Accounts, securities listed on a national securities exchange will be valued, as of the valuation date, at the closing price on the principal exchange on which they are traded. Securities and other property in my ABP Account will be valued in a manner determined by Fidelity in good faith to reflect their estimated fair market value. Fidelity may use prices obtained from third-party vendors. While Fidelity believes these sources to be reliable, Fidelity’s valuation of Chargeable Assets for purposes of this Supplement should not be considered a guarantee of any kind whatsoever of the value of any assets in my ABP Accounts. The actual prices at which securities may be bought and sold may be different from those used for purposes of this Supplement. The ABF and other ABP Fees will apply to short market positions in Chargeable Assets. Chargeable Assets purchased on margin are subject to the ABF and the market value of the Chargeable Assets will not be reduced by the amount of any margin indebtedness or increased by the amount of any credits. I understand that margin is not available on my Premiere Select IRAs (or Premiere Select Roth IRAs).

5. Acknowledgements. I understand and agree that:

a. Special Considerations. I have determined in consultation with my Authorized agent(s)/Advisor(s) that participation in this ABP arrangement (“ABP Arrangement”) is suitable and appropriate for me. ABP Arrangements are not right for everyone. In deciding whether this arrangement is appropriate, I have carefully considered, in consultation with my Authorized agent(s)/Advisor(s), all relevant factors, including my past and anticipated trading practices and holdings of Chargeable Assets, my Authorized agent(s)’/Advisor(s)’ investment strategies and trading patterns (including the frequency of trading and the number and size of the transactions that my Authorized agent(s)/Advisor(s) order for my ABP Accounts), the costs and potential benefits of this arrangement as compared to paying commissions on a per-trade basis, and my investment objectives and goals. I understand that, depending on

the circumstances, the brokerage and execution services offered through this arrangement would be available for less money if I paid commissions and execution costs on a per-trade basis. I have also considered whether this arrangement is appropriate if I primarily intend to hold the types of Chargeable Assets or engage in the trading strategies described below:

•   “Buy and Hold” Investors. This arrangement is designed for investors who trade with some regularity and may not be appropriate if I do not intend to trade or intend to make only a small number of trades. It may not be appropriate for me to include in my ABP Account existing securities or other property that I intend to hold for a long time.

•   Short-Term Trading Activity. ABP Accounts are not intended for day trading (i.e., the practice of purchasing and selling or selling and purchasing the same positions in one trading day) or other short-term or excessive trading activity, including excessive options trading. If I engage in trading activities Fidelity views as excessive, I may be subject to additional charges and/or Fidelity may restrict my ABP Account and/or convert it to a transaction based account which shall effectively terminate this Supplement.

•   Prior Commission Payments. I may transfer Chargeable Assets on which I have previously paid a commission or similar fee on a per-trade basis into my ABP Account. The ABF will be applied to these transferred securities even though a commission or other similar fee has previously been charged, and I will consider whether it is appropriate to transfer such securities and other property into my ABP Account.

b. Arrangement Is Appropriate for Me. I have determined, in consultation with my Authorized agent(s)/Advisor(s) that participation in this ABP Arrangement is suitable and appropriate for me. Accordingly, I have carefully considered all relevant factors, including the factors described in this Supplement. I acknowledge that Fidelity has not recommended participation in this ABP Arrangement. I agree that Fidelity is not responsible for determining whether participation in this ABP Arrangement remains suitable or appropriate for me. Rather, such determination is solely mine and my Authorized agent(s)’/Advisor(s)’ responsibility. Because the relevant factors bearing on the appropriateness of my participation in this ABP Arrangement may change over time, I will periodically reevaluate, in consultation with my Authorized agent(s)/Advisor(s), whether continued enrollment in this ABP Arrangement remains suitable and appropriate for me. I acknowledge that I have been given notice of all fees and other charges related to my having chosen Asset-Based Pricing for my managed accounts. I further represent that all such fees are reasonable in light of the services being provided to me.

c. No Investment Advice. This ABP Arrangement is a pricing alternative, not an investment advisory service. My ABP Account is a brokerage account in which, subject to certain restrictions, Fidelity provides securities brokerage and execution services on a non-discretionary basis for an ABF. Any information or assistance Fidelity provides to me in this ABP Arrangement is solely incidental to Fidelity’s business as a broker-dealer and is customarily provided or available without charge where brokerage and execution charges are paid on a per-trade basis. Neither Fidelity nor any of its affiliates or employees is acting or will act as an “investment adviser” as defined in the Investment Advisers Act of 1940 (“Advisers Act”) with respect to my ABP Account. The Advisers Act will not apply to the relationship between me and Fidelity (including its affiliates and employees) with respect to my ABP Account. Fidelity is not an “investment manager” and does not provide investment advice within the meaning of the Employee Retirement Income Security Act of 1974 as a result of the services provided under this Supplement, and Fidelity does not, nor will it, render advice or any other services.

d. Payments to Affiliates; Multiple Layers of Fees. Fidelity, its affiliates and employees may receive additional compensation in connection with specific types of Chargeable Assets as described in the Supplement. These Chargeable Assets will also be included for purposes of calculating the ABP Fees. This may result in me paying multiple layers of fees on certain Chargeable Assets.

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e. Limitation of Liability; Risk Acknowledgement. All investments involve risk, and certain types of investments involve substantially more risk than others. I (or my Authorized agent(s)/Advisor(s) will select investments for my ABP Account, and neither Fidelity nor any of its affiliates or employees will have any discretionary authority or control over my ABP Account. Fidelity, its affiliates and employees will execute transactions for my ABP Account only as specifically instructed by me or my Authorized agent/Advisor or other authorized representative. I am responsible for any trades placed in my ABP Account and for all losses arising from or related to my ABP Account.

f. Tax Considerations. The ABF paid in connection with my ABP Account may be considered by the Internal Revenue Service as an investment expense, rather than a transaction charge, which may result in less favorable tax treatment for me. If I sell or redeem Chargeable Assets, including as part of a transfer described in paragraph 5, that sale or redemption of Chargeable Assets may result in adverse tax consequences. Notwithstanding anything herein to the contrary, I understand that distributions from IRAs are subject to ordinary income tax and a possible 10% penalty if I am under age 59½. I understand that Fidelity does not, and will not, offer tax advice and I am encouraged to consult a tax advisor or other qualified professional.

6. Duration and Termination. I agree that, even though I have signed the Client Account Agreement and agreed to this Supplement, Fidelity may refrain from providing the services described in this

Supplement until all of Fidelity’s internal procedures for establishing ABP Accounts have been completed and any necessary internal approvals have been obtained. This Supplement will become effective when accepted by Fidelity. Either party may terminate the Supplement. Fidelity will accept verbal termination instructions from me directly or my Authorized agent(s)/Advisor(s). In the event of the termination of an ABP Account, this Supplement will terminate with respect to such account, but will remain in full force and effect as to any remaining ABP Accounts. Termination of this Supplement will not result in termination of the Client Account Agreement, the terms and conditions of which will continue to remain in full force and effect and the Client Account will be subject to transaction based pricing which shall be communicated to me by my Authorized agent(s)/Advisor(s). In the case of any termination by me, the “Termination Date” is the last business day of the quarter in which my notice is received by Fidelity. In the case of any termination by Fidelity, the “Termination Date” is the date on which any such notice is sent by Fidelity to me. Termination of this Supplement or any particular ABP Account will not affect or preclude the consummation of any trade initiated, or any liability or obligation arising before the Termination Date, including payment of any outstanding fees.

7. Amendments. Fidelity may amend this Supplement on written notice to my Authorized agent(s)/Advisor(s) or me and any amendment will be effective as of the date specified by Fidelity.

Fidelity Brokerage Services LLC, Member NYSE, SIPC 1.868856.102 - 495074.3.0 (12/13)

This section applies only to accounts established in the Managed Account Solutions (formerly Managed Account Resources Platform (“MAS Platform”): Be advised that the billing cycle and householding features are unique for this platform. The MAS Platform will bill your ABP Fees at the beginning of the quarter on our about the fifteenth day of the quarter. The ABP Fees will be determined by applying the BPS to your Account(s) previous quarter ending account balance. Within the MAS Platform, any Accounts in each of the MAS Programs will be householded for purposes of calculating and billing the ABF.