Common use of Disaster Related Relief Clause in Contracts

Disaster Related Relief. If you qualify (for example, you sustained an economic loss due to, or are otherwise considered affected by, certain IRS designated disasters), you may be eligible for favorable tax treatment on distributions, rollovers, and other transactions involving your Xxxx XXX. Qualified disaster relief may include penalty-tax free early distributions made during specified timeframes for each disaster, the ability to include distributions in your gross income ratably over multiple years, the ability to roll over distributions to an eligible retirement plan without regard to the 60-day rollover rule, and more. For additional information on specific disasters, including a complete listing of disaster areas, qualification requirements for relief, and allowable disaster- related Xxxx XXX transactions, please see IRS Publication 590-B, Distributions from Individual Retirement Arrangements (IRAs), or refer to the IRS website at xxx.xxx.xxx. Rev. September 11, 2012 - NAF FACTS WHAT DOES BNY MELLON INVESTMENT SERVICING TRUST COMPANY DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number • Account balances • Transaction history • Account transactions • Retirement assets When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons BNY Mellon Investment Servicing Trust Company chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does BNY Mellon Investment Servicing Trust Company share? Can you limit this sharing? For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes— to offer our products and services to you No No For joint marketing with other financial companies No No For our affiliates’ everyday business purposes— information about your transactions and experiences Yes No For our affiliates’ everyday business purposes— information about your creditworthiness No No For our affiliates to market to you No No For nonaffiliates to market to you No No Questions? Call 000-000-0000 Who we are Who is providing this notice? BNY Mellon Investment Servicing Trust Company, custodian for self- directed savings and retirement accounts, such as Individual Retirement Accounts, Qualified Plans and 403(b)(7) Plans, and for mutual fund Wrap Product and Global Cash Portal accounts What we do How does BNY Mellon Investment Servicing Trust Company protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does BNY Mellon Investment Servicing Trust Company collect my personal information? We collect your personal information, for example, when you • Open an account or deposit funds • Make deposits or withdrawals from your account • Provide account information • Give us your contact information • Show your government-issued ID We also collect your personal information from affiliates or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only • Sharing for affiliates’ everyday business purposes— information about your creditworthiness • Affiliates from using your information to market to you • Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • BNY Mellon Investment Servicing Trust Company does not share information with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • BNY Mellon Investment Servicing Trust Company doesn’t jointly market. Other important information

Disaster Related Relief. If you qualify (for example, you sustained an economic loss due to, or are otherwise considered affected by, certain IRS designated disasters), you may be eligible for favorable tax treatment on distributions, rollovers, and other transactions involving your Xxxx XXX. Qualified disaster relief may include penalty-tax free early distributions made during specified timeframes for each disaster, the ability to include distributions in your gross income ratably over multiple years, the ability to roll over distributions to an eligible retirement plan without regard to the 60-day rollover rule, and more. For additional information on specific disasters, including a complete listing of disaster areas, qualification requirements for relief, and allowable disaster- related Xxxx XXX transactions, please see IRS Publication 590-B, Distributions from Individual Retirement Arrangements (IRAs), or refer to the IRS website at xxx.xxx.xxx. Rev. September 11, 2012 - NAF FACTS WHAT DOES BNY MELLON INVESTMENT SERVICING TRUST COMPANY DO WITH YOUR PERSONAL INFORMATION? Why? FACTS Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. WhatWhy? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number • Account balances • Transaction history • Account transactions • Retirement assets When you are no longer our customer, we continue to share your information as described in this notice. HowWhat? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons BNY Mellon Investment Servicing Trust Company chooses to share; and whether you can limit this sharing. How? Reasons we can share your personal information Does BNY Mellon Investment Servicing Trust Company share? Can you limit this sharing? For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes— to offer our products and services to you No No For joint marketing with other financial companies No No For our affiliates’ everyday business purposes— information about your transactions and experiences Yes No For our affiliates’ everyday business purposes— information about your creditworthiness No No For our affiliates to market to you No No For nonaffiliates to market to you No No Questions? Call 000-000-0000 Who we are Who is providing this notice? BNY Mellon Investment Servicing Trust Company, custodian for self- directed savings and retirement accounts, such as Individual Retirement Accounts, Qualified Plans and 403(b)(7) Plans, and for mutual fund Wrap Product and Global Cash Portal accounts What we do How does BNY Mellon Investment Servicing Trust Company protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does BNY Mellon Investment Servicing Trust Company collect my personal information? We collect your personal information, for example, when you • Open an account or deposit funds • Make deposits or withdrawals from your account • Provide account information • Give us your contact information • Show your government-issued ID We also collect your personal information from affiliates or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only • Sharing for affiliates’ everyday business purposes— information about your creditworthiness • Affiliates from using your information to market to you • Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • BNY Mellon Investment Servicing Trust Company does not share information with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • BNY Mellon Investment Servicing Trust Company doesn’t jointly market. Other important informationThis notice applies to individual consumers who are customers or former customers. This notice replaces all previous notices of our consumer privacy policy and may be amended at any time. We will keep you informed of changes or amendments as required by law.

Disaster Related Relief. If you qualify (for example, you sustained an economic loss due to, or are otherwise considered affected by, certain IRS designated disasters), you may be eligible for favorable tax treatment on distributions, rollovers, and other transactions involving your Xxxx XXX. Qualified disaster relief may include penalty-tax free early distributions made during specified timeframes for each disaster, the ability to include distributions in your gross income ratably over multiple years, the ability to roll over distributions to an eligible retirement plan without regard to the 60-day rollover rule, and more. For additional information on specific disasters, including a complete listing of disaster areasareas , qualification requirements for relief, and allowable disaster- related Xxxx XXX transactions, please see IRS Publication 590-B, Distributions from Individual Retirement Arrangements (IRAs), or refer to the IRS website at xxx.xxx.xxx. Rev. September 11, 2012 - NAF FACTS WHAT DOES BNY MELLON INVESTMENT SERVICING TRUST COMPANY DO WITH YOUR PERSONAL INFORMATION? FACTS Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number • Account balances • Transaction history • Account transactions • Retirement assets When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons BNY Mellon Investment Servicing Trust Company chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does BNY Mellon Investment Servicing Trust Company share? Can you limit this sharing? For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes— to offer our products and services to you No No For joint marketing with other financial companies No No For our affiliates’ everyday business purposes— information about your transactions and experiences Yes No For our affiliates’ everyday business purposes— information about your creditworthiness No No For our affiliates to market to you No No For nonaffiliates to market to you No No Questions? Call 000-000-0000 Who we are Who is providing this notice? BNY Mellon Investment Servicing Trust Company, custodian for self- directed savings directedsavings and retirement accounts, such as suchas Individual Retirement Accounts, Qualified Plans and 403(b)(7) Plans, and for mutual fund Wrap Product and Global Cash Portal accounts What we do How does BNY Mellon Investment Servicing Trust Company protect my personal information? To protect your personal information from unauthorized access unauthorizedaccess and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does BNY Mellon Investment Servicing Trust Company collect my personal informationpersonalinformation? We collect your personal information, for example, when you • Open an account or deposit funds • Make deposits or withdrawals from your account • Provide account information • Give us your contact information • Show your government-issued ID We also collect your personal information from affiliates or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only • Sharing for affiliates’ everyday business purposesbusinesspurposes— information about your creditworthiness • Affiliates from using your information to market to you • Sharing for nonaffiliates to market to you State laws and individual companies may give you additional youadditional rights to limit sharing. Definitions Affiliates Companies related by common ownership commonownership or control. They can Theycan be financial and nonfinancial companies. Nonaffiliates Companies not related by common ownership or control. They can be canbe financial and nonfinancial companies. • BNY Mellon Investment Servicing Trust Company does not share information with nonaffiliates so they can theycan market to you. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • BNY Mellon Investment Servicing Trust Company doesn’t jointly market. Other important information

Disaster Related Relief. If you qualify (for example, you sustained an economic loss due to, or are otherwise considered affected by, certain IRS designated desi gnated disasters), you may be eligible for favorable tax treatment on distributions, rollovers, and other transactions involving your Xxxx XXX. Qualified disaster relief may include penalty-tax free early distributions made during specified timeframes for each disaster, the ability to include distributions in your gross income ratably over multiple years, the ability to roll over distributions to an eligible retirement plan without regard to the 60-day rollover rule, and more. For additional information on specific disasters, including a complete listing of disaster areasareas , qualification requirements for relief, and allowable disaster- related Xxxx XXX transactions, please see IRS Publication 590-B, Distributions from Individual Retirement Arrangements (IRAs), or refer to the IRS website at xxx.xxx.xxx. Rev. September 11, 2012 - NAF FACTS WHAT DOES BNY MELLON INVESTMENT SERVICING TRUST COMPANY DO WITH YOUR PERSONAL INFORMATION? FACTS Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number • Account balances • Transaction history • Account transactions • Retirement assets When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons BNY Mellon Investment Servicing Trust Company chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does BNY Mellon Investment Servicing Trust Company share? Can you limit this sharing? For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes— to offer our products and services to you No No For joint marketing with other financial companies No No For our affiliates’ everyday business purposes— information about your transactions and experiences Yes No For our affiliates’ everyday business purposes— information about your creditworthiness No No For our affiliates to market to you No No For nonaffiliates to market to you No No Questions? Call 000-000-0000 Who we are Who is providing this notice? BNY Mellon Investment Servicing Trust Company, custodian for self- directed savings directedsavings and retirement accounts, such as suchas Individual Retirement Accounts, Qualified Plans and 403(b)(7) Plans, and for mutual fund Wrap Product and Global Cash Portal accounts What we do How does BNY Mellon Investment Servicing Trust Company protect my personal information? To protect your personal information from unauthorized access unauthorizedaccess and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does BNY Mellon Investment Servicing Trust Company collect my personal informationpersonalinformation? We collect your personal information, for example, when you • Open an account or deposit funds • Make deposits or withdrawals from your account • Provide account information • Give us your contact information • Show your government-issued ID We also collect your personal information from affiliates or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only • Sharing for affiliates’ everyday business purposesbusinesspurposes— information about your creditworthiness • Affiliates from using your information to market to you • Sharing for nonaffiliates to market to you State laws and individual companies may give you additional youadditional rights to limit sharing. Definitions Affiliates Companies related by common ownership commonownership or control. They can Theycan be financial and nonfinancial companies. Nonaffiliates Companies not related by common ownership or control. They can be canbe financial and nonfinancial companies. • BNY Mellon Investment Servicing Trust Company does not share information with nonaffiliates so they can theycan market to you. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • BNY Mellon Investment Servicing Trust Company doesn’t jointly market. Other important information