Common use of HOUR AUTOMATED VOICE RESPONSE Clause in Contracts

HOUR AUTOMATED VOICE RESPONSE. Initial set-up (one-time) charge per portfolio - $750.00 Monthly maintenance charge per portfolio - $50.00 On each annual anniversary date of this Agreement, the fees enumerated above may be increased by the change in the Consumer Price Index for the Northeast region (CPI) for the twelve month period ending with the month preceding such annual anniversary date. Any CPI increases not charged in any given year may be included in prospective CPI fee increases in future years. XXX PLAN FEES The following fees will be charged directly to the shareholder account: Annual maintenance fee .............................................. $15.00 /account * Incoming transfer from prior custodian ........................ $12.00 Distribution to a participant ......................................... $15.00 Refund of excess contribution ...................................... $15.00 Transfer to successor custodian ................................... $15.00 Automatic periodic distributions ................................ $15.00/year per account * Includes Bank Custody Fee.

HOUR AUTOMATED VOICE RESPONSE. Initial set-up (one-time) charge per portfolio - $750.00 $ ____ Monthly maintenance charge per portfolio - $50.00 $ ____ On each annual anniversary date of this Agreement, the fees enumerated above may be increased by the change in the Consumer Price Index for the Northeast region (CPI) for the twelve month period ending with the month preceding such annual anniversary date. Any CPI increases not charged in any given year may be included in prospective CPI fee increases in future years. XXX IRA PLAN FEES XXES The following fees will be charged directly to the shareholder account: Annual maintenance fee .............................................. $15.00 $ ____ /account * Incoming transfer from prior custodian ........................ $12.00 $ ____ Distribution to a participant ......................................... $15.00 $ ____ Refund of excess contribution ...................................... $15.00 $ ____ Transfer to successor custodian ................................... $15.00 $ ____ Automatic periodic distributions ................................ $15.00/year $ ____/year per account * Includes Bank Custody Fee.

HOUR AUTOMATED VOICE RESPONSE. Initial set-up (one-time) charge per portfolio - $750.00 Monthly maintenance charge per portfolio - $50.00 On each annual anniversary date of this Agreement, the fees enumerated above may be increased by the change in the Consumer Price Index for the Northeast region (CPI) for the twelve month period ending with the month preceding such annual anniversary date. Any CPI increases not charged in any given year may be included in prospective CPI fee increases in future years. XXX IRA PLAN FEES XXES The following fees will be charged directly to the shareholder account: Annual maintenance fee .............................................. $15.00 /account * Incoming transfer from prior custodian ........................ $12.00 Distribution to a participant ......................................... $15.00 Refund of excess contribution ...................................... $15.00 Transfer to successor custodian ................................... $15.00 Automatic periodic distributions ................................ $15.00/year per account * Includes Bank Custody Fee.

HOUR AUTOMATED VOICE RESPONSE. Initial set-up (one-time) charge per portfolio - $750.00 Monthly maintenance charge per portfolio - $50.00 On each annual anniversary date of this Agreement, the fees enumerated above may be increased by the change in the Consumer Price Index for the Northeast region (CPI) for the twelve month period ending with the month preceding such annual anniversary date. Any CPI increases not charged in any given year may be included in prospective CPI fee increases in future years. XXX For the first year of this Agreement, fees will be adjusted to include CPI increases for the following years: 2000, 2001, 2002, and 2003. IRA PLAN FEES XXES The following fees will be charged directly to the shareholder account: Annual maintenance fee .............................................. $15.00 /account * Incoming transfer from prior custodian ........................ $12.00 Distribution to a participant ......................................... $15.00 Refund of excess contribution ...................................... $15.00 Transfer to successor custodian ................................... $15.00 Automatic periodic distributions ................................ $15.00/year per account * Includes Bank Custody Fee.

HOUR AUTOMATED VOICE RESPONSE. Initial set-up (one-time) charge per portfolio - $750.00 Monthly maintenance charge per portfolio - $50.00 On each annual anniversary date of this Agreement, the fees enumerated above may be increased by the change in the Consumer Price Index for the Northeast region (CPI) for the twelve month period ending with the month preceding such annual anniversary date. Any CPI increases not charged in any given year may be included in prospective CPI fee increases in future years. For the first year of this Agreement, fees will be adjusted to include CPI increases for the following years: 2000, 2001, 2002, and 2003. XXX PLAN FEES The following fees will be charged directly to the shareholder account: Annual maintenance fee .............................................. $15.00 /account * Incoming transfer from prior custodian ........................ $12.00 Distribution to a participant ......................................... $15.00 Refund of excess contribution ...................................... $15.00 Transfer to successor custodian ................................... $15.00 Automatic periodic distributions ................................ $15.00/year per account * Includes Bank Custody Fee.