Common use of Allocation of Responsibilities Clause in Contracts

Allocation of Responsibilities. The purpose of this Allocation of Responsibilities is to set forth the division of responsibilities and the duties of HTS and your Financial Professional and/or your independent brokerage firm (“Financial Professional”). However, it is not meant as a complete listing of every possible circumstance, but only as a general disclosure. You have a direct relationship with your Financial Professional and nothing in the clearing and operational services provided by HTS to your Financial Professional alters that relationship. With respect to your account being carried on HTS’ books by arrangement with your Financial Professional, HTS is responsible for: • Maintaining books and records detailing transactions in your account, and preparing confirmations and statements showing purchases and sales of securities and related activity, including receipt and delivery of securities and monies, and the collection and distribution of dividends. • Money market fund and Bank Insured Bank Deposit Program sweep activity will be reflected on your monthly or quarterly statements. Individual trade confirmations for sweep transactions and dividend reinvestments will not be provided. • Providing margin credit, reviewing requests for extension of payment, the filing of various regulatory reports and observance of applicable industry rules and practices in the extension of credit, which includes compliance with Regulation T of the Federal Reserve Board, the regulations of the FINRA and the application of HTS’ own house margin maintenance requirements. HTS or your Financial Professional sets the rates of interest to be charged to your account. • Safeguarding your funds and securities, while in the possession of HTS, in accordance with Federal Regulations pertaining thereto. HTS is a member of the Securities Investor Protection Corporation (“SIPC”), which provides customers with insurance protection. • HTS is a member of SIPC, which protects the securities customers of its members up to $500,000 (including $250,000 for claims for cash). In addition, HTS has purchased Excess SIPC Insurance which covers the net equity of customers’ accounts up to an aggregate of $200 million from underwriting syndicates at Lloyd’s of London. This coverage is offered over and above the coverage provided by SIPC. SIPC and Excess SIPC covers accounts of the member firm in the event of a member’s bankruptcy or insolvency. SIPC and Excess SIPC Insurance Coverage do not protect against losses due to market fluctuation or any decline in market value of your securities. An explanatory brochure is available at xxx.xxxx.xxx or by calling (000) 000-0000. • Providing you with year-end tax information as required by the Internal Revenue Service. HTS will furnish you with applicable tax documents for the transactions conducted through HTS. • Disseminating materials concerning proxies, tender offers, and similar shareholder information received by HTS and providing various records for you as required by applicable laws and regulations. • HTS will accept from your Financial Professional, without any inquiry or investigation by us, orders and instructions regarding your account. More- over, until receipt by HTS of your written instructions to the contrary, HTS may carry out all instructions from your Financial Professional and for your account(s) and hold you responsible for such transactions. • HTS will not be responsible for any investment recommendation made by your Financial Professional. Furthermore, HTS does not audit, supervise, control or verify information provided by your Financial Professional in connection with your account, except as required for compliance with the USA PATRIOT Act of 2001. To comply with the USA PATRIOT Act of 2001, HTS or your Financial Professional may conduct a background check and/or utilize an independent third party to verify all information including information used to verify a customer’s I.D. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. If you have an account, you will be asked for your name, address, date of birth and other information that will allow us to identify you. You may also be asked to provide your driver’s license and/or other documents for identification. If you fail to provide the requested information, or your identity cannot be verified, your Financial Professional may not be able to open an account for you. If an account has already been opened, it may be subject to closure. Your Financial Professional will be responsible for the following with respect to your account(s): • Opening, approving and monitoring your account(s), including obtaining and verifying new account information and providing HTS with such documents as may be necessary from time to time. This includes obtaining information about your financial condition and investment objectives. • Setting the fees to be charged to your account; therefore, those fees may differ from the fees charged by HTS, the clearing firm. • Advising HTS of the proper title in which your account should be carried. • Staffing and maintaining a Compliance Department and the establishment of written procedures for supervising the conduct of your account(s) and enforcing federal, state and industry regulations designed to detect and deter violations of the xxxxxxx xxxxxxx laws. Your Financial Professional will be responsible for: (a) assuring that transactions in your account are in compliance with applicable laws and regulations, (b) determining the suitability and legality of transactions in your account, (c) determining the propriety of the trading activity conducted in your account, including the frequency of trading, and (d) determining if your account involves discretionary transactions and properly supervising the exercise of such discretion. • Advising HTS of any reduced sales charge due to break points when purchasing a mutual fund. • Prompt transmission to HTS of your designated securities and cash equivalents for your respective account. Prompt communications of instructions to HTS involving your account, such as the transfer and delivery of securities, the disbursement of funds from your account, and your intentions regarding tender or exchange offers involving securities in your account. • Responding to any inquiries or complaints that you may have concerning your account and promptly informing HTS, in writing, of any complaints or inquiries that pertain to HTS. You will remain a customer of your Financial Professional and any general questions you may have with respect to your account should be directed to your Financial Professional with whom you opened your account. Your Financial Professional is provided copies of confirmations and statements in order to facilitate answering any questions you may have. HTS carries your account and acts as your custodian for funds and securities deposited with us directly by you, through your Financial Professional, or as a result of transactions we processed on your behalf. All inquiries concerning the positions and balances in your account should be made to your Financial Professional. Should information in addition to that provided by your Financial Professional be necessary, you may contact the HTS Client Services Department at 000-000-0000.

Allocation of Responsibilities. The purpose of this Allocation of Responsibilities is to set forth the division of responsibilities and the duties of HTS and your Financial Professional Broker and/or your independent brokerage firm (“Financial ProfessionalBroker”). However, it is not meant as a complete listing of every possible circumstance, but only as a general disclosure. You have a direct relationship with your Financial Professional Broker and nothing in the clearing and operational services provided by HTS to your Financial Professional Broker alters that relationship. With respect to your account being carried on HTS’ books by arrangement with your Financial ProfessionalBroker, HTS is responsible for: • Maintaining books and records detailing transactions in your account, and preparing confirmations and statements showing purchases and sales of securities and related activity, including receipt and delivery of securities and monies, and the collection and distribution of dividends. • Money market fund and Bank Insured Bank Deposit Program sweep activity will be reflected on your monthly or quarterly statements. Individual trade confirmations for sweep transactions and dividend reinvestments will not be providedbeprovided. • Providing margin credit, reviewing requests for extension of payment, the filing of various regulatory reports and observance of applicable industry rules and practices in the extension of credit, which includes compliance with Regulation T of the Federal Reserve Board, the regulations of the FINRA and the application of HTS’ own house margin maintenance requirements. HTS or your Financial Professional Broker sets the rates of interest to be charged to your account. • Safeguarding your funds and securities, while in the possession of HTS, in accordance with Federal Regulations pertaining thereto. HTS is a member of the Securities Investor Protection Corporation (“SIPC”), which provides customers with insurance protectioninsuranceprotection. • HTS is a member of SIPC, which protects the securities customers of its members up to $500,000 (including $250,000 for claims for cash). In addition, HTS has purchased Excess SIPC Insurance which covers the net equity of customers’ accounts up to an aggregate of $200 million from underwriting syndicates at Lloyd’s of London. This coverage is offered over and above the coverage provided by SIPC. SIPC and Excess SIPC covers accounts of the member firm in the event of a member’s bankruptcy or insolvency. SIPC and Excess SIPC Insurance Coverage do not protect against losses due to market fluctuation or any decline in market value of your securities. An explanatory brochure is available at xxx.xxxx.xxx or by calling (000) 000-0000. • Providing you with year-end tax information as required by the Internal Revenue Service. HTS will furnish you with applicable tax documents for the transactions conducted through HTS. • Disseminating materials concerning proxies, tender offers, and similar shareholder information received by HTS and providing various records for you as required by applicable laws and regulations. • HTS will accept from your Financial ProfessionalBroker, without any inquiry or investigation by us, orders and instructions regarding your account. More- over, until receipt by HTS of your written instructions to the contrary, HTS may carry out all instructions from your Financial Professional Broker and for your account(s) and hold you responsible for such transactions. • HTS will not be responsible for any investment recommendation made by your Financial ProfessionalBroker. Furthermore, HTS does not audit, supervise, control or verify information provided by your Financial Professional Broker in connection with your account, except as required for compliance with the USA PATRIOT Act of 2001. To comply with the USA PATRIOT Act of 2001, HTS or your Financial Professional Broker may conduct a background check and/or utilize an independent third party to verify all information including information used to verify a customer’s I.D. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. If you have an account, you will be asked for your name, address, date of birth and other information that will allow us to identify you. You may also be asked to provide your driver’s license and/or other documents for identification. If you fail to provide the requested information, or your identity cannot be verified, your Financial Professional Broker may not be able to open an account for you. If an account has already been opened, it may be subject to closure. Your Financial Professional Broker will be responsible for the following with respect to your account(s): • Opening, approving and monitoring your account(s), including obtaining and verifying new account information and providing HTS with such documents as may be necessary from time to time. This includes obtaining information about your financial condition and investment objectives. • Setting the fees to be charged to your account; therefore, those fees may differ from the fees charged by HTS, the clearing firm. • Advising HTS of the proper title in which your account should be carried. • Staffing and maintaining a Compliance Department and the establishment of written procedures for supervising the conduct of your account(s) and enforcing federal, state and industry regulations designed to detect and deter violations of the xxxxxxx xxxxxxx laws. Your Financial Professional Broker will be responsible for: (a) assuring that transactions in your account are in compliance with applicable laws and regulations, (b) determining the suitability and legality of transactions in your account, (c) determining the propriety of the trading activity conducted in your account, including the frequency of trading, and (d) determining if your account involves discretionary transactions and properly supervising the exercise of such discretion. • Advising HTS of any reduced sales charge due to break points when purchasing a mutual fund. • Prompt transmission to HTS of your designated securities and cash equivalents for your respective account. Prompt communications of instructions to HTS involving your account, such as the transfer and delivery of securities, the disbursement of funds from your account, and your intentions regarding tender or exchange offers involving securities in your accountyouraccount. • Responding to any inquiries or complaints that you may have concerning your account and promptly informing HTS, in writing, of any complaints or inquiries that pertain to HTS. You will remain a customer of your Financial Professional Broker and any general questions you may have with respect to your account should be directed to your Financial Professional Broker with whom you opened your account. Your Financial Professional Broker is provided copies of confirmations and statements in order to facilitate answering any questions you may have. HTS carries your account and acts as your custodian for funds and securities deposited with us directly by you, through your Financial ProfessionalBroker, or as a result of transactions we processed on your behalf. All inquiries concerning the positions and balances in your account should be made to your Financial ProfessionalBroker. Should information in addition to that provided by your Financial Professional Broker be necessary, you may contact the HTS Client Services Department at 000-000-0000.

Allocation of Responsibilities. The purpose of this Allocation of Responsibilities is to set forth the division of responsibilities and the duties of HTS and your Financial Professional and/or your independent brokerage firm (“Financial Professional”). However, it is not meant as a complete listing of every possible circumstance, but only as a general disclosure. You have a direct relationship with your Financial Professional and nothing in the clearing and operational services provided by HTS to your Financial Professional alters that relationship. With respect to your account being carried on HTS’ books by arrangement with your Financial Professional, HTS is responsible for: • Maintaining books and records detailing transactions in your account, and preparing confirmations and statements statemen ts showing purchases and sales of securities and related activity, including receipt and delivery of securities and monies, and the collection and distribution of dividends. • Money market fund and Bank Insured Bank Deposit Program sweep activity will be reflected on your monthly or quarterly statements. Individual trade confirmations for sweep transactions and dividend reinvestments will not be provided. • Providing margin credit, reviewing requests for extension of payment, the filing of various regulatory reports and observance of applicable industry rules and practices in the extension of credit, which includes compliance with Regulation T of the Federal Reserve Board, the regulations of the FINRA and the application of HTS’ own house margin maintenance requirements. HTS or your Financial Professional sets the rates of interest to be charged to your account. • Safeguarding your funds and securities, while in the possession of HTS, in accordance with Federal Regulations pertaining theretothe reto. HTS is a member of the Securities Investor Protection Corporation (“SIPC”), which provides customers with insurance protection. • HTS is a member of SIPC, which protects the securities customers of its members up to $500,000 (including $250,000 for claims for cash). In addition, HTS has purchased Excess SIPC Insurance which covers the net equity of customers’ accounts up to an aggregate of $200 million from underwriting syndicates at Lloyd’s of London. This coverage is offered over and above the coverage provided by SIPC. SIPC and Excess SIPC covers accounts of the member firm in the event of a member’s bankruptcy or insolvency. SIPC and Excess SIPC Insurance Coverage do not protect against losses due to market fluctuation or any decline in market value of your securities. An explanatory brochure is available at xxx.xxxx.xxx or by calling (000202) 000-0000371 -8300. • Providing you with year-end tax information as required by the Internal Revenue Service. HTS will furnish you with applicable tax documents for the transactions t ransactions conducted through HTS. • Disseminating materials concerning proxies, tender offers, and similar shareholder information received by HTS and providing providi ng various records for you as required by applicable laws and regulations. • HTS will accept from your Financial Professional, without any inquiry or investigation by us, orders and instructions regarding your account. More- More - over, until receipt by HTS of your written instructions to the contrary, HTS may carry out all instructions from your Financial Professional and for your account(s) and hold you responsible for such transactions. • HTS will not be responsible for any investment recommendation made by your Financial Professional. Furthermore, HTS does not audit, supervise, control or verify information provided by your Financial Professional in connection with your account, except as required for compliance with the USA PATRIOT Act of 2001. To comply with the USA PATRIOT Act of 2001, HTS or your Financial Professional may conduct a background check and/or utilize an independent third party to verify all information including information used to verify a customer’s I.D. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions ins titutions to obtain, verify, and record information that identifies each person who opens an account. If you have an account, you will be asked for your name, address, date of birth and other information that will allow us to identify you. You may also be asked to provide your driver’s license and/or other documents for identification. If you fail to provide the requested information, or your identity cannot be verified, your Financial Professional may not be able to open an account for you. If an account has already been opened, it may be subject to closure. Your Financial Professional will be responsible for the following with respect to your account(s): • Opening, approving and monitoring your account(s), including obtaining and verifying new account information and providing HTS with such documents as may be necessary from time to time. This includes obtaining information about your financial condition and investment objectives. • Setting the fees to be charged to your account; therefore, those fees may differ from the fees charged by HTS, the clearing clearin g firm. • Advising HTS of the proper title in which your account should be carried. • Staffing and maintaining a Compliance Department and the establishment of written procedures for supervising the conduct of o f your account(s) and enforcing federal, state and industry regulations designed to detect and deter violations of the xxxxxxx xxxxxxx laws. Your Financial Professional will be responsible for: (a) assuring that transactions in your account are in compliance with applicable laws and regulations, (b) determining the suitability and legality of transactions in your account, (c) determining dete rmining the propriety of the trading activity conducted in your account, including the frequency of trading, and (d) determining if your account involves discretionary transactions and properly supervising supe rvising the exercise of such discretion. • Advising HTS of any reduced sales charge due to break points when purchasing a mutual fund. • Prompt transmission to HTS of your designated securities and cash equivalents for your respective account. Prompt communications communic ations of instructions to HTS involving your account, such as the transfer and delivery of securities, the disbursement of funds from your account, and your intentions regarding tender or exchange exc hange offers involving securities in your account. • Responding to any inquiries or complaints that you may have concerning your account and promptly informing HTS, in writing, of any complaints or inquiries that pertain to HTS. You will remain a customer of your Financial Professional and any general questions you may have with respect to your account should be directed directe d to your Financial Professional with whom you opened your account. Your Financial Professional is provided copies of confirmations and statements in order to facilitate answering any questions you may have. HTS carries your y our account and acts as your custodian for funds and securities deposited with us directly by you, through your Financial Professional, or as a result of transactions we processed on your behalf. All inquiries concerning the positions and balances in your account should be made to your Financial Professional. Should information in addition to that provided by your Financial Professional be necessary, you may contact the HTS Client Services Department at 000877 -797-000-00006613.

Allocation of Responsibilities. The purpose of this Allocation of Responsibilities is to set forth the division of responsibilities and the duties of HTS and your Financial Professional Advisor and/or your independent brokerage firm (“Financial ProfessionalAdvisor”). However, it is not meant as a complete listing of every possible circumstance, but only as a general disclosure. You have a direct relationship with your Financial Professional Advisor and nothing in the clearing and operational services provided by HTS to your Financial Professional Advisor alters that relationship. With respect to your account being carried on HTS’ books by arrangement with your Financial ProfessionalAdvisor, HTS is responsible for: • Maintaining books and records detailing transactions in your account, and preparing confirmations and statements showing purchases and sales of securities and related activity, including receipt and delivery of securities and monies, and the collection and distribution of dividends. • Money market fund and Bank Insured Bank Deposit Program sweep activity will be reflected on your monthly or quarterly statements. Individual trade confirmations for sweep transactions and dividend reinvestments will not be providedbeprovided. • Providing margin credit, reviewing requests for extension of payment, the filing of various regulatory reports and observance of applicable industry rules and practices in the extension of credit, which includes compliance with Regulation T of the Federal Reserve Board, the regulations of the FINRA and the application of HTS’ own house margin maintenance requirements. HTS or your Financial Professional Advisor sets the rates of interest to be charged to your account. • Safeguarding your funds and securities, while in the possession of HTS, in accordance with Federal Regulations pertaining thereto. HTS is a member of the Securities Investor Protection Corporation (“SIPC”), which provides customers with insurance protectioninsuranceprotection. • HTS is a member of SIPC, which protects the securities customers of its members up to $500,000 (including $250,000 for claims for cash). In addition, HTS has purchased Excess SIPC Insurance which covers the net equity of customers’ accounts up to an aggregate of $200 million from underwriting syndicates at Lloyd’s of London. This coverage is offered over and above the coverage provided by SIPC. SIPC and Excess SIPC covers accounts of the member firm in the event of a member’s bankruptcy or insolvency. SIPC and Excess SIPC Insurance Coverage do not protect against losses due to market fluctuation or any decline in market value of your securities. An explanatory brochure is available at xxx.xxxx.xxx or by calling (000) 000-0000. • Providing you with year-end tax information as required by the Internal Revenue Service. HTS will furnish you with applicable tax documents for the transactions conducted through HTS. • Disseminating materials concerning proxies, tender offers, and similar shareholder information received by HTS and providing various records for you as required by applicable laws and regulations. • HTS will accept from your Financial ProfessionalAdvisor, without any inquiry or investigation by us, orders and instructions regarding your account. More- over, until receipt by HTS of your written instructions to the contrary, HTS may carry out all instructions from your Financial Professional Advisor and for your account(s) and hold you responsible for such transactions. • HTS will not be responsible for any investment recommendation made by your Financial ProfessionalAdvisor. Furthermore, HTS does not audit, supervise, control or verify information provided by your Financial Professional Advisor in connection with your account, except as required for compliance with the USA PATRIOT Act of 2001. To comply with the USA PATRIOT Act of 2001, HTS or your Financial Professional Advisor may conduct a background check and/or utilize an independent third party to verify all information including information used to verify a customer’s I.D. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. If you have an account, you will be asked for your name, address, date of birth and other information that will allow us to identify you. You may also be asked to provide your driver’s license and/or other documents for identification. If you fail to provide the requested information, or your identity cannot be verified, your Financial Professional Advisor may not be able to open an account for you. If an account has already been opened, it may be subject to closure. Your Financial Professional Advisor will be responsible for the following with respect to your account(s): • Opening, approving and monitoring your account(s), including obtaining and verifying new account information and providing HTS with such documents as may be necessary from time to time. This includes obtaining information about your financial condition and investment objectives. • Setting the fees to be charged to your account; therefore, those fees may differ from the fees charged by HTS, the clearing firm. • Advising HTS of the proper title in which your account should be carried. • Staffing and maintaining a Compliance Department and the establishment of written procedures for supervising the conduct of your account(s) and enforcing federal, state and industry regulations designed to detect and deter violations of the xxxxxxx xxxxxxx laws. Your Financial Professional Advisor will be responsible for: (a) assuring that transactions in your account are in compliance with applicable laws and regulations, (b) determining the suitability and legality of transactions in your account, (c) determining the propriety of the trading activity conducted in your account, including the frequency of trading, and (d) determining if your account involves discretionary transactions and properly supervising the exercise of such discretion. • Advising HTS of any reduced sales charge due to break points when purchasing a mutual fund. • Prompt transmission to HTS of your designated securities and cash equivalents for your respective account. Prompt communications of instructions to HTS involving your account, such as the transfer and delivery of securities, the disbursement of funds from your account, and your intentions regarding tender or exchange offers involving securities in your account. • Responding to any inquiries or complaints that you may have concerning your account and promptly informing HTS, in writing, of any complaints or inquiries that pertain to HTS. You will remain a customer of your Financial Professional Advisor and any general questions you may have with respect to your account should be directed to your Financial Professional Advisor with whom you opened your account. Your Financial Professional Advisor is provided copies of confirmations and statements in order to facilitate answering any questions you may have. HTS carries your account and acts as your custodian for funds and securities deposited with us directly by you, through your Financial ProfessionalAdvisor, or as a result of transactions we processed on your behalf. All inquiries concerning the positions and balances in your account should be made to your Financial ProfessionalAdvisor. Should information in addition to that provided by your Financial Professional Advisor be necessary, you may contact the HTS Client Services Department at 000-000-0000.

Allocation of Responsibilities. The purpose of this Allocation of Responsibilities is to set forth the division of responsibilities and the duties of HTS and your Financial Professional Broker and/or your independent brokerage firm (“Financial ProfessionalBroker”). However, it is not meant as a complete listing of every possible circumstance, but only as a general disclosure. You have a direct relationship with your Financial Professional Broker and nothing in the clearing and operational services provided by HTS to your Financial Professional Broker alters that relationship. With respect to your account being carried on HTS’ books by arrangement with your Financial ProfessionalBroker, HTS is responsible forresponsiblefor: • Maintaining books and records detailing transactions in your account, and preparing confirmations and statements showing purchases and sales of securities and related activity, including receipt and delivery of securities and monies, and the collection and distribution of dividends. • Money market fund and Bank Insured Bank Deposit Program sweep activity will be reflected on your monthly or quarterly statements. Individual trade confirmations for sweep transactions and dividend reinvestments will not be provided. • Providing margin credit, reviewing requests for extension of payment, the filing of various regulatory reports and observance of applicable industry rules and practices in the extension of credit, which includes compliance with Regulation T of the Federal Reserve Board, the regulations of the FINRA and the application of HTS’ own house margin maintenance requirements. HTS or your Financial Professional Broker sets the rates of interest to be charged to your account. • Safeguarding your funds and securities, while in the possession of HTS, in accordance with Federal Regulations pertaining thereto. HTS is a member of the Securities Investor Protection Corporation (“SIPC”), which provides customers with insurance protection. • HTS is a member of SIPC, which protects the securities customers of its members up to $500,000 (including $250,000 for claims for cash). In addition, HTS has purchased Excess SIPC Insurance which covers the net equity of customers’ accounts up to an aggregate of $200 million from underwriting syndicates at Lloyd’s of London. This coverage is offered over and above the coverage provided by SIPC. SIPC and Excess SIPC covers accounts of the member firm in the event of a member’s bankruptcy or insolvency. SIPC and Excess SIPC Insurance Coverage do not protect against losses due to market fluctuation or any decline in market value of your securities. An explanatory brochure is available at xxx.xxxx.xxx or by calling (000) 000-0000. • Providing you with year-end tax information as required by the Internal Revenue Service. HTS will furnish you with applicable tax documents for the transactions conducted through HTS. • Disseminating materials concerning proxies, tender offers, and similar shareholder information received by HTS and providing various records for you as required by applicable laws and regulations. • HTS will accept from your Financial ProfessionalBroker, without any inquiry or investigation by us, orders and instructions regarding your account. More- over, until receipt by HTS of your written instructions to the contrary, HTS may carry out all instructions from your Financial Professional Broker and for your account(s) and hold you responsible for such transactions. • HTS will not be responsible for any investment recommendation made by your Financial ProfessionalBroker. Furthermore, HTS does not audit, supervise, control or verify information provided by your Financial Professional Broker in connection with your account, except as required for compliance with the USA PATRIOT Act of 2001. To comply with the USA PATRIOT Act of 2001, HTS or your Financial Professional Broker may conduct a background check and/or utilize an independent third party to verify all information including information used to verify a customer’s I.D. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. If you have an account, you will be asked for your name, address, date of birth and other information that will allow us to identify you. You may also be asked to provide your driver’s license and/or other documents for identification. If you fail to provide the requested information, or your identity cannot be verified, your Financial Professional Broker may not be able to open an account for you. If an account has already been opened, it may be subject to closure. Your Financial Professional Broker will be responsible for the following with respect to your account(s): • Opening, approving and monitoring your account(s), including obtaining and verifying new account information and providing HTS with such documents as may be necessary from time to time. This includes obtaining information about your financial condition and investment objectives. • Setting the fees to be charged to your account; therefore, those fees may differ from the fees charged by HTS, the clearing firmclearingfirm. • Advising HTS of the proper title in which your account should be carried. • Staffing and maintaining a Compliance Department and the establishment of written procedures for supervising the conduct of your account(s) and enforcing federal, state and industry regulations designed to detect and deter violations of the xxxxxxx xxxxxxx laws. Your Financial Professional Broker will be responsible for: (a) assuring that transactions in your account are in compliance with applicable laws and regulations, (b) determining the suitability and legality of transactions in your account, (c) determining the propriety of the trading activity conducted in your account, including the frequency of trading, and (d) determining if your account involves discretionary transactions and properly supervising the exercise of such discretion. • Advising HTS of any reduced sales charge due to break points when purchasing a mutual fund. • Prompt transmission to HTS of your designated securities and cash equivalents for your respective account. Prompt communications of instructions to HTS involving your account, such as the transfer and delivery of securities, the disbursement of funds from your account, and your intentions regarding tender or exchange offers involving securities in your account. • Responding to any inquiries or complaints that you may have concerning your account and promptly informing HTS, in writing, of any complaints or inquiries that pertain to HTS. You will remain a customer of your Financial Professional Broker and any general questions you may have with respect to your account should be directed to your Financial Professional Broker with whom you opened your account. Your Financial Professional Broker is provided copies of confirmations and statements in order to facilitate answering any questions you may have. HTS carries your account and acts as your custodian for funds and securities deposited with us directly by you, through your Financial ProfessionalBroker, or as a result of transactions we processed on your behalf. All inquiries concerning the positions and balances in your account should be made to your Financial ProfessionalBroker. Should information in addition to that provided by your Financial Professional Broker be necessary, you may contact the HTS Client Services Department at 000-000-0000.

Allocation of Responsibilities. The purpose of this Allocation of Responsibilities is to set forth the division of responsibilities and the duties of HTS and your Financial Professional and/or your independent brokerage firm (“Financial Professional”). However, it is not meant as a complete listing of every possible circumstance, but only as a general disclosure. You have a direct relationship with your Financial Professional and nothing in the clearing and operational services provided by HTS to your Financial Professional alters that relationship. With respect to your account being carried on HTS’ books by arrangement with your Financial Professional, HTS is responsible for: • Maintaining books and records detailing transactions in your account, and preparing confirmations and statements showing purchases and sales of securities and related activity, including receipt and delivery of securities and monies, and the collection and distribution of dividends. • Money market fund and Bank Insured Bank Deposit Program sweep activity will be reflected on your monthly or quarterly statements. Individual trade confirmations for sweep transactions and dividend reinvestments will not be provided. • Providing margin credit, reviewing requests for extension of payment, the filing of various regulatory reports and observance of applicable industry rules and practices in the extension of credit, which includes compliance with Regulation T of the Federal Reserve Board, the regulations of the FINRA and the application of HTS’ own house margin maintenance requirements. HTS or your Financial Professional sets the rates of interest to be charged to your account. • Safeguarding your funds and securities, while in the possession of HTS, in accordance with Federal Regulations pertaining theretothe reto. HTS is a member of the Securities Investor Protection Corporation (“SIPC”), which provides customers with insurance protection. • HTS is a member of SIPC, which protects the securities customers of its members up to $500,000 (including $250,000 for claims for cash). In addition, HTS has purchased Excess SIPC Insurance which covers the net equity of customers’ accounts up to an aggregate aggre gate of $200 million from underwriting syndicates at Lloyd’s of London. This coverage is offered over and above the coverage provided provid ed by SIPC. SIPC and Excess SIPC covers accounts of the member firm in the event of a member’s bankruptcy or insolvency. SIPC and Excess SIPC Insurance Coverage do not protect against losses due to market fluctuation or any decline in market value of your securities. An explanatory brochure is available at xxx.xxxx.xxx or by calling (000202) 000-0000371 -8300. • Providing you with year-end tax information as required by the Internal Revenue Service. HTS will furnish you with applicable tax documents for the transactions t ransactions conducted through HTS. • Disseminating materials concerning proxies, tender offers, and similar shareholder information received by HTS and providing providi ng various records for you as required by applicable laws and regulations. • HTS will accept from your Financial Professional, without any inquiry or investigation by us, orders and instructions regarding your account. More- More - over, until receipt by HTS of your written instructions to the contrary, HTS may carry out all instructions from your Financial Professional and for your account(s) and hold you responsible for such transactions. • HTS will not be responsible for any investment recommendation made by your Financial Professional. Furthermore, HTS does not audit, supervise, control or verify information provided by your Financial Professional in connection with your account, except as required for compliance with the USA PATRIOT Act of 2001. To comply with the USA PATRIOT Act of 2001, HTS or your Financial Professional may conduct a background check and/or and/ or utilize an independent third party to verify all information including information used to verify a customer’s I.D. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions ins titutions to obtain, verify, and record information that identifies each person who opens an account. If you have an account, you will be asked for your name, address, date of birth and other information that will allow us to identify you. You may also be asked to provide your driver’s license and/or other documents for identification. If you fail to provide the requested information, or your yo ur identity cannot be verified, your Financial Professional may not be able to open an account for you. If an account has already been opened, it may be subject to closure. Your Financial Professional will be responsible for the following with respect to your account(s): • Opening, approving and monitoring your account(s), including obtaining and verifying new account information and providing HTS with such documents as may be necessary from time to time. This includes obtaining information about your financial condition and investment objectives. • Setting the fees to be charged to your account; therefore, those fees may differ from the fees charged by HTS, the clearing firm. • Advising HTS of the proper title in which your account should be carried. • Staffing and maintaining a Compliance Department and the establishment of written procedures for supervising the conduct co nduct of your account(s) and enforcing federal, state and industry regulations designed to detect and deter violations of the xxxxxxx xxxxxxx laws. Your Financial Professional will be responsible for: (a) assuring that transactions in your account are in compliance with applicable laws and regulations, (b) determining the suitability and legality of transactions in your account, (c) determining the propriety of the trading activity conducted in your account, including the frequency of trading, and (d) determining if your account involves discretionary transactions and properly supervising the exercise of such discretion. • Advising HTS of any reduced sales charge due to break points when purchasing a mutual fund. • Prompt transmission to HTS of your designated securities and cash equivalents for your respective account. Prompt communications of instructions to HTS involving your you r account, such as the transfer and delivery of securities, the disbursement of funds from your account, and your intentions regarding regard ing tender or exchange offers involving securities in your account. • Responding to any inquiries or complaints that you may have concerning your account and promptly informing HTS, in writing, of any complaints or inquiries that pertain to HTS. You will remain a customer of your Financial Professional and any general questions you may have with respect to your account should be directed to your Financial Professional with whom you opened your account. Your Financial Professional is provided copies of confirmations and statements in order to facilitate answering any questions you may have. HTS carries your account and acts as your custodian for funds and securities deposited with us directly by you, through your Financial Professional, or as a result of transactions we processed on your behalf. All inquiries concerning the positions and balances in your account should be made to your Financial Professional. Should information in addition to that provided by your Financial Professional be necessary, you may contact the HTS Client Services Department at 000877 -797-000-00006613.

Allocation of Responsibilities. The purpose of this Allocation of Responsibilities is to set forth the division of responsibilities and the duties of HTS and your Financial Professional Broker and/or your independent brokerage firm (“Financial ProfessionalBroker”). However, it is not meant as a complete listing of every possible circumstance, but only as a general disclosure. You have a direct relationship with your Financial Professional Broker and nothing in the clearing and operational services provided by HTS to your Financial Professional Broker alters that relationship. With respect to your account being carried on HTS’ books by arrangement with your Financial ProfessionalBroker, HTS is responsible for: • Maintaining books and records detailing transactions in your account, and preparing confirmations and statements showing purchases and sales of securities and related activity, including receipt and delivery of securities and monies, and the collection and distribution of dividends. • Money market fund and Bank Insured Bank Deposit Program sweep activity will be reflected on your monthly or quarterly statements. Individual trade confirmations for sweep transactions and dividend reinvestments will not be provided. • Providing margin credit, reviewing requests for extension of payment, the filing of various regulatory reports and observance of applicable industry rules and practices in the extension of credit, which includes compliance with Regulation T of the Federal Reserve Board, the regulations of the FINRA and the application of HTS’ own house margin maintenance requirements. HTS or your Financial Professional Broker sets the rates of interest to be charged to your account. • Safeguarding your funds and securities, while in the possession of HTS, in accordance with Federal Regulations pertaining thereto. HTS is a member of the Securities Investor Protection Corporation (“SIPC”), which provides customers with insurance protection. • HTS is a member of SIPC, which protects the securities customers of its members up to $500,000 (including $250,000 for claims for cash). In addition, HTS has purchased Excess SIPC Insurance which covers the net equity of customers’ accounts up to an aggregate of $200 million from underwriting syndicates at Lloyd’s of London. This coverage is offered over and above the coverage provided by SIPC. SIPC and Excess SIPC covers accounts of the member firm in the event of a member’s bankruptcy or insolvency. SIPC and Excess SIPC Insurance Coverage do not protect against losses due to market fluctuation or any decline in market value of your securities. An explanatory brochure is available at xxx.xxxx.xxx or by calling (000) 000-0000. • Providing you with year-end tax information as required by the Internal Revenue Service. HTS will furnish you with applicable tax documents for the transactions conducted through HTS. • Disseminating materials concerning proxies, tender offers, and similar shareholder information received by HTS and providing various records for you as required by applicable laws and regulations. • HTS will accept from your Financial ProfessionalBroker, without any inquiry or investigation by us, orders and instructions regarding your account. More- over, until receipt by HTS of your written instructions to the contrary, HTS may carry out all instructions from your Financial Professional Broker and for your account(s) and hold you responsible for such transactions. • HTS will not be responsible for any investment recommendation made by your Financial ProfessionalBroker. Furthermore, HTS does not audit, supervise, control or verify information provided by your Financial Professional Broker in connection with your account, except as required for compliance with the USA PATRIOT Act of 2001. To comply with the USA PATRIOT Act of 2001, HTS or your Financial Professional Broker may conduct a background check and/or utilize an independent third party to verify all information including information used to verify a customer’s I.D. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. If you have an account, you will be asked for your name, address, date of birth and other information that will allow us to identify you. You may also be asked to provide your driver’s license and/or other documents for identification. If you fail to provide the requested information, or your identity cannot be verified, your Financial Professional Broker may not be able to open an account for you. If an account has already been opened, it may be subject to closure. Your Financial Professional Broker will be responsible for the following with respect to your account(s): • Opening, approving and monitoring your account(s), including obtaining and verifying new account information and providing HTS with such documents as may be necessary from time to time. This includes obtaining information about your financial condition and investment objectives. • Setting the fees to be charged to your account; therefore, those fees may differ from the fees charged by HTS, the clearing firm. • Advising HTS of the proper title in which your account should be carried. • Staffing and maintaining a Compliance Department and the establishment of written procedures for supervising the conduct of your account(s) and enforcing federal, state and industry regulations designed to detect and deter violations of the xxxxxxx xxxxxxx laws. Your Financial Professional Broker will be responsible for: (a) assuring that transactions in your account are in compliance with applicable laws and regulations, (b) determining the suitability and legality of transactions in your account, (c) determining the propriety of the trading activity conducted in your account, including the frequency of trading, and (d) determining if your account involves discretionary transactions and properly supervising the exercise of such discretion. • Advising HTS of any reduced sales charge due to break points when purchasing a mutual fund. • Prompt transmission to HTS of your designated securities and cash equivalents for your respective account. Prompt communications of instructions to HTS involving your account, such as the transfer and delivery of securities, the disbursement of funds from your account, and your intentions regarding tender or exchange offers involving securities in your account. • Responding to any inquiries or complaints that you may have concerning your account and promptly informing HTS, in writing, of any complaints or inquiries that pertain to HTS. You will remain a customer of your Financial Professional Broker and any general questions you may have with respect to your account should be directed to your Financial Professional Broker with whom you opened your account. Your Financial Professional Broker is provided copies of confirmations and statements in order to facilitate answering any questions you may have. HTS carries your account and acts as your custodian for funds and securities deposited with us directly by you, through your Financial ProfessionalBroker, or as a result of transactions we processed on your behalf. All inquiries concerning the positions and balances in your account should be made to your Financial ProfessionalBroker. Should information in addition to that provided by your Financial Professional Broker be necessary, you may contact the HTS Client Services Department at 000-000-0000.

Allocation of Responsibilities. The purpose of this Allocation of Responsibilities is to set forth the division of responsibilities and the duties of HTS and your Financial Professional Advisor and/or your independent brokerage firm (“Financial ProfessionalAdvisor”). However, it is not meant as a complete listing of every possible circumstance, but only as a general disclosure. You have a direct relationship with your Financial Professional Advisor and nothing in the clearing and operational services provided by HTS to your Financial Professional Advisor alters that relationship. With respect to your account being carried on HTS’ books by arrangement with your Financial ProfessionalAdvisor, HTS is responsible for: • Maintaining books and records detailing transactions in your account, and preparing confirmations and statements showing purchases and sales of securities and related activity, including receipt and delivery of securities and monies, and the collection and distribution of dividends. • Money market fund and Bank Insured Bank Deposit Program sweep activity will be reflected on your monthly or quarterly statements. Individual trade confirmations for sweep transactions and dividend reinvestments will not be provided. • Providing margin credit, reviewing requests for extension of payment, the filing of various regulatory reports and observance of applicable industry rules and practices in the extension of credit, which includes compliance with Regulation T of the Federal Reserve Board, the regulations of the FINRA and the application of HTS’ own house margin maintenance requirements. HTS or your Financial Professional Advisor sets the rates of interest to be charged to your account. • Safeguarding your funds and securities, while in the possession of HTS, in accordance with Federal Regulations pertaining thereto. HTS is a member of the Securities Investor Protection Corporation (“SIPC”), which provides customers with insurance protection. • HTS is a member of SIPC, which protects the securities customers of its members up to $500,000 (including $250,000 for claims for cash). In addition, HTS has purchased Excess SIPC Insurance which covers the net equity of customers’ accounts up to an aggregate of $200 million from underwriting syndicates at Lloyd’s of London. This coverage is offered over and above the coverage provided by SIPC. SIPC and Excess SIPC covers accounts of the member firm in the event of a member’s bankruptcy or insolvency. SIPC and Excess SIPC Insurance Coverage do not protect against losses due to market fluctuation or any decline in market value of your securities. An explanatory brochure is available at xxx.xxxx.xxx or by calling (000) 000-0000. • Providing you with year-end tax information as required by the Internal Revenue Service. HTS will furnish you with applicable tax documents for the transactions conducted through HTS. • Disseminating materials concerning proxies, tender offers, and similar shareholder information received by HTS and providing various records for you as required by applicable laws and regulations. • HTS will accept from your Financial ProfessionalAdvisor, without any inquiry or investigation by us, orders and instructions regarding your account. More- over, until receipt by HTS of your written instructions to the contrary, HTS may carry out all instructions from your Financial Professional Advisor and for your account(s) and hold you responsible for such transactions. • HTS will not be responsible for any investment recommendation made by your Financial ProfessionalAdvisor. Furthermore, HTS does not audit, supervise, control or verify information provided by your Financial Professional Advisor in connection with your account, except as required for compliance with the USA PATRIOT Act of 2001. To comply with the USA PATRIOT Act of 2001, HTS or your Financial Professional Advisor may conduct a background check and/or utilize an independent third party to verify all information including information used to verify a customer’s I.D. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. If you have an account, you will be asked for your name, address, date of birth and other information that will allow us to identify you. You may also be asked to provide your driver’s license and/or other documents for identification. If you fail to provide the requested information, or your identity cannot be verified, your Financial Professional Advisor may not be able to open an account for you. If an account has already been opened, it may be subject to closure. Your Financial Professional Advisor will be responsible for the following with respect to your account(s): • Opening, approving and monitoring your account(s), including obtaining and verifying new account information and providing HTS with such documents as may be necessary from time to time. This includes obtaining information about your financial condition and investment objectives. • Setting the fees to be charged to your account; therefore, those fees may differ from the fees charged by HTS, the clearing firm. • Advising HTS of the proper title in which your account should be carried. • Staffing and maintaining a Compliance Department and the establishment of written procedures for supervising the conduct of your account(s) and enforcing federal, state and industry regulations designed to detect and deter violations of the xxxxxxx xxxxxxx laws. Your Financial Professional Advisor will be responsible for: (a) assuring that transactions in your account are in compliance with applicable laws and regulations, (b) determining the suitability and legality of transactions in your account, (c) determining the propriety of the trading activity conducted in your account, including the frequency of trading, and (d) determining if your account involves discretionary transactions and properly supervising the exercise of such discretion. • Advising HTS of any reduced sales charge due to break points when purchasing a mutual fund. • Prompt transmission to HTS of your designated securities and cash equivalents for your respective account. Prompt communications of instructions to HTS involving your account, such as the transfer and delivery of securities, the disbursement of funds from your account, and your intentions regarding tender or exchange offers involving securities in your account. • Responding to any inquiries or complaints that you may have concerning your account and promptly informing HTS, in writing, of any complaints or inquiries that pertain to HTS. You will remain a customer of your Financial Professional Advisor and any general questions you may have with respect to your account should be directed to your Financial Professional Advisor with whom you opened your account. Your Financial Professional Advisor is provided copies of confirmations and statements in order to facilitate answering any questions you may have. HTS carries your account and acts as your custodian for funds and securities deposited with us directly by you, through your Financial ProfessionalAdvisor, or as a result of transactions we processed on your behalf. All inquiries concerning the positions and balances in your account should be made to your Financial ProfessionalAdvisor. Should information in addition to that provided by your Financial Professional Advisor be necessary, you may contact the HTS Client Services Department at 000-000-0000.