Common use of Investment Responsibilities Clause in Contracts

Investment Responsibilities. The Account Owner will control and manage the investment of the Custodial Account except insofar as the Account Owner delegates investment authority over part or all of the Custodial Account assets to one or more investment managers or other Authorized Agents. Account Owner grants to the Custodian all powers reasonably necessary to carry out its investment and other duties under this Agreement, and Account Owner agrees to furnish the Custodian with such information and Instructions as may be necessary to carry out the provisions of this Agreement and to enable the Custodian to fulfill all legal and regulatory reporting requirements. The investment options available within the Custodial Account will be permissible investments under the applicable laws and Regulations. The available investment options may change from time to time and the Account Owner may move his or her monies in the Custodial Account to different investment options available under the Custodial Account. Any investment changes within the Custodial Account are subject to the terms and conditions of the investments, including but not limited to minimum deposit requirements and early redemption penalties. Account Owner acknowledges that a wide array of investment options is made available for the investment of funds held in the HSA. Account Owner understands and agrees that the Custodian is not providing any investment advice to Account Owner or any Authorized Agent and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing and administrative services or other “revenue sharing” fees, including but not limited to so-called “12b-1” fees, to the Custodian in connection with an investment in such funds. No investment transaction for the Custodial Account that is to be processed by the Custodian at the direction of the Account Owner or an Authorized Agent will be processed until the Custodian receives the Instruction in proper form. Investment transactions will be processed either as soon as administratively practicable thereafter or, if later, on the scheduled date for processing. The Custodian may rely conclusively on all Instructions given by the Account Owner or Authorized Agent which the Custodian believes to be genuine. The Custodian’s records of a transaction will be conclusive as the content of any Instructions. Upon application by the Account Owner, on a form acceptable to the Custodian and upon approval by the Custodian, the Custodian will accept non-written Instructions from the Account Owner or Authorized Agent subject to immediate confirmation of such Instructions by email or in writing by the Authorized Agent. The Custodian will have no responsibility to see that any investment directions comply with the law and Regulations applicable to an HSA. However, if the Custodian receives any direction from the Account Owner or an Authorized Agent that appears to the Custodian in its sole judgment to be incomplete or unclear, the Custodian will not be required to act on such directions and may hold uninvested any asset without liability until proper directions are received from the Account Owner or the Authorized Agent. If investment directions are incomplete or unclear, the Custodian will notify the Account Owner or the Authorized Agent within a reasonable period of time. In the absence of proper investment directions, the Custodian will not be liable for interest or market gains or losses on any cash balances maintained in the Custodial Account. Any non-deposit investment product that Account Owner purchases using funds in his or her HSA, including mutual funds, stocks, and bonds, is not FDIC-insured, is not a deposit or other obligation of the Custodian, is not guaranteed by FPS Trust or any of its affiliates, is not insured by any federal government agency, and is subject to investment risk, including the possible loss of the principal amount invested. Mutual Fund E-Consent: Account Owner consents to receive electronically the fact sheets, prospectuses, prospectus supplements, and shareholder reports for any of the available mutual funds in which Account Owner chooses to invest, and to read the prospectuses, including any supplements, and to agree to their terms before investing. Account Owner also consents to review trade confirmations online and in paper or electronic quarterly statements. The fact sheets, prospectuses, prospectus supplements, shareholder reports and account information, including trade confirmations, can be accessed through the HSA Administrator’s website in hypertext markup language (HTML) and/or Adobe Acrobat Portable Document Format (PDF). Account Owner may access a document in HTML with appropriate browser software, such as Microsoft Internet Explorer or equivalent. To access a document in PDF, Account Owner must have installed Adobe Acrobat Reader on his or her computer, which may be obtained free of charge at xxx.xxxxx.xxx. Account Owner acknowledges and agrees that he or she has communications access to the Internet and is able to access documents in HTML and PDF without additional hardware and software. Account Owner understands that these documents can be printed if Account Owner has access to a printer, using the button on the browser. Account Owner further understands that electronic delivery is provided free of charge, although other online service provider charges may apply, and that Account Owner may request paper copies of these documents by calling the HSA Administrator. Account Owner acknowledges and agrees that a prospectus has been made Rev. 05/2016 PAGE | 6 available to Account Owner electronically prior to and following the purchase of any available mutual funds. To the extent that Account Owner directs investment of his or her Account in mutual funds, balances invested in those mutual funds are subject to investment fees and other charges and expenses as described by the applicable prospectuses. Some mutual funds may charge a redemption fee. Redemption fees, if any, will be charged to the assets held in the HSA. Account Owner cannot reimburse his or her HSA for redemption fees. For further information on redemption fees, please see the mutual fund prospectus.

Investment Responsibilities. The Account Owner will control and manage the investment of the Custodial Account except insofar as the Account Owner delegates investment authority over part or all of the Custodial Account assets to one or more investment managers or other Authorized Agents. Account Owner grants to the Custodian all powers reasonably necessary to carry out its investment and other duties under this Agreement, and Account Owner agrees to furnish the Custodian with such information and Instructions as may be necessary to carry out the provisions of this Agreement and to enable the Custodian to fulfill all legal and regulatory reporting requirements. The investment options available within the Custodial Account will be permissible investments under the applicable laws and Regulations. The available investment options may change from time to time and the Account Owner may move his or her monies in the Custodial Account to different investment options available under the Custodial Account. Any investment changes within the Custodial Account are subject to the terms and conditions of the investments, including but not limited to minimum deposit requirements and early redemption penalties. Account Owner acknowledges that a wide array of investment options is made available for the investment of funds held in the HSA. Account Owner understands and agrees that the Custodian is not providing any investment advice to Account Owner or any Authorized Agent and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing and administrative services or other “revenue sharing” fees, including but not limited to so-called “12b-1” fees, to the Custodian in connection with an investment in such funds. No investment transaction for the Custodial Account that is to be processed by the Custodian at the direction of the Account Owner or an Authorized Agent will be processed until the Custodian receives the Instruction in proper form. Investment transactions will be processed either as soon as administratively practicable thereafter or, if later, on the scheduled date for processing. The Custodian may rely conclusively on all Instructions given by the Account Owner or Authorized Agent which the Custodian believes to be genuine. The Custodian’s records of a transaction will be conclusive as the content of any Instructions. Upon application by the Account Owner, on a form acceptable to the Custodian and upon approval by the Custodian, the Custodian will accept non-written Instructions from the Account Owner or Authorized Agent subject to immediate confirmation of such Instructions by email or in writing by the Authorized Agent. The Custodian will have no responsibility to see that any investment directions comply with the law and Regulations applicable to an HSA. However, if the Custodian receives any direction from the Account Owner or an Authorized Agent that appears to the Custodian in its sole judgment to be incomplete or unclear, the Custodian will not be required to act on such directions and may hold uninvested any asset without liability until proper directions are received from the Account Owner or the Authorized Agent. If investment directions are incomplete or unclear, the Custodian will notify the Account Owner or the Authorized Agent within a reasonable period of time. In the absence of proper investment directions, the Custodian will not be liable for interest or market gains or losses on any cash balances maintained in the Custodial Account. Any non-deposit nondeposit investment product that Account Owner purchases using funds in his or her HSA, including mutual funds, stocks, and bonds, is not FDIC-insured, is not a deposit or other obligation of the Custodian, is not guaranteed by FPS Trust or any of its affiliates, is not insured by any federal government agency, and is subject to investment risk, including the possible loss of the principal amount invested. Mutual Fund E-Consent: Account Owner consents to receive electronically the fact sheets, prospectuses, prospectus supplements, and shareholder reports for any of the available mutual funds in which Account Owner chooses to invest, and to read the prospectuses, including any supplements, and to agree to their terms before investing. Account Owner also consents to review trade confirmations online and in paper or electronic quarterly statements. The fact sheets, prospectuses, prospectus supplements, shareholder reports and account information, including trade confirmations, can be accessed through the HSA Administrator’s website in hypertext markup language (HTML) and/or Adobe Acrobat Portable Document Format (PDF). Account Owner may access a document in HTML with appropriate browser software, such as Microsoft Internet Explorer or equivalent. To access a document in PDF, Account Owner must have installed Adobe Acrobat Reader on his or her computer, which may be obtained free of charge at xxx.xxxxx.xxx. Account Owner acknowledges and agrees that he or she has communications access to the Internet and is able to access documents in HTML and PDF without additional hardware and software. Account Owner understands that these documents can be printed if Account Owner has access to a printer, using the button on the browser. Account Owner further understands that electronic delivery is provided free of charge, although other online service provider charges may apply, and that Account Owner may request paper copies of these documents by calling the HSA Administrator. Account Owner acknowledges and agrees that a prospectus has been made Rev. 05/2016 PAGE | 6 available to Account Owner electronically prior to and following the purchase of any available mutual funds. To the extent that Account Owner directs investment of his or her Account in mutual funds, balances invested in those mutual funds are subject to investment fees and other charges and expenses as described by Rev. 11/2015 PAGE | 6 the applicable prospectuses. Some mutual funds may charge a redemption fee. Redemption fees, if any, will be charged to the assets held in the HSA. Account Owner cannot reimburse his or her HSA for redemption fees. For further information on redemption fees, please see the mutual fund prospectus.

Investment Responsibilities. The Account Owner will control and manage All investment decisions are the investment sole responsibility of the Custodial Account except insofar as Depositor and the Account Owner delegates investment authority over part or all of Depositor is responsible to direct the Custodial Account assets to one or more investment managers Custodian in writing, or other Authorized Agents. Account Owner grants acceptable form and manner authorized by the Custodian, regarding how all amounts are to the Custodian all powers reasonably necessary to carry out its investment and other duties under this Agreement, and Account Owner agrees to furnish the Custodian with such information and Instructions as may be necessary to carry out the provisions of this Agreement and to enable the Custodian to fulfill all legal and regulatory reporting requirementsinvested. The investment options Custodian will determine the investments available within the Custodial Account Account. These investments will be permissible investments under the applicable laws and Regulations. The available Custodian may change its investment options may change from time to time and the Account Owner Depositor may move his or her monies in the Custodial Account to different investment options available under the Custodial Accountinvestments. Any investment changes within the Custodial Account are subject to the terms and conditions of the investments, including but not limited to minimum deposit requirements and early redemption penalties. Account Owner acknowledges that a wide array of The Custodian will not provide any investment options is made available for direction, suitability recommendations, tax advice, or any other investment guidance. Further, the Custodian has no duty to question the investment directions provided by the Depositor or any issues relating to the management of funds held in the HSACustodial Account. Account Owner understands The Depositor will indemnify and agrees that hold the Custodian is not providing any investment advice to Account Owner or any Authorized Agent harmless from and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing against all costs and administrative services or other “revenue sharing” expenses (including attorney's fees, including but not limited to so-called “12b-1” fees, to ) incurred by the Custodian in connection with an investment in such funds. No investment transaction for any litigation regarding the investments within the Custodial Account that is to be processed by where the Custodian at the direction of the Account Owner or an Authorized Agent will be processed until the Custodian receives the Instruction in proper form. Investment transactions will be processed either is named as soon as administratively practicable thereafter or, if later, on the scheduled date for processing. The Custodian may rely conclusively on all Instructions given by the Account Owner or Authorized Agent which the Custodian believes to be genuine. The Custodian’s records of a transaction will be conclusive as the content of any Instructions. Upon application by the Account Owner, on a form acceptable to the Custodian and upon approval by the Custodian, the Custodian will accept non-written Instructions from the Account Owner or Authorized Agent subject to immediate confirmation of such Instructions by email or in writing by the Authorized Agentnecessary party. The Custodian will have no responsibility to see that any promptly execute investment directions comply with instructions received from the law and Regulations applicable to an HSA. However, Depositor if the instructions are in a form and manner acceptable to the Custodian. If the Custodian receives any direction determines the instructions from the Account Owner Depositor are unclear or an Authorized Agent that appears to the Custodian in its sole judgment to be incomplete or unclearincomplete, the Custodian will not be required to act on such directions and may hold uninvested any asset without liability until proper directions request additional instructions. Until clear instructions are received from the Account Owner or the Authorized Agent. If investment directions are incomplete or unclearreceived, the Custodian will notify reserves the Account Owner right, in good faith, to leave the contribution uninvested, place the contribution in a holding account (e.g., a money market account), or return the Authorized Agent within a reasonable period of timecontribution to the Depositor. In the absence of proper investment directions, the The Custodian will not be liable for interest or market gains any investment losses due to such delays in receiving clear investment instructions. Further, the Depositor will indemnify and hold the Custodian harmless for any adverse consequences or losses incurred from the Custodian's actions or inactions relating to the investment directions received from the Depositor or Authorized Agent. The Custodian shall have no duty other than to follow the written investment directions of the Depositor, and shall be under no duty to question said instructions and shall not be liable for any investment losses sustained by the Depositor. To the extent the Depositor has not directed other investments, the Custodian may maintain the cash as it may deem advisable or expedient (with no requirement to pay interest neither on any such cash balances maintained nor on cash in its hands pending investment). All investment direction, investment management and investment advisory agreements provided by the IRA Depositor or beneficiary will continue until revoked by the IRA Depositor or beneficiary, even after the death of the IRA Depositor or beneficiary. The Custodian shall have no duty to bring any claim, suit or other action in connection with any investment in the Custodial Account. Any non-deposit investment product that Account Owner purchases using funds The Depositor agrees to indemnify and hold the Custodian harmless from and against all costs and expenses (including attorney’s fees) incurred by the Custodian in his or her HSAconnection with any litigation, including mutual funds, stocks, and bonds, is not FDIC-insured, is not a deposit claim or other obligation action involving any investment in the Custodial Account in which the Custodian is named as a necessary party or at the request of the Custodian, is not guaranteed by FPS Trust or any of its affiliates, is not insured by any federal government agency, and is subject to investment risk, including the possible loss of the principal amount invested. Mutual Fund E-Consent: Account Owner consents to receive electronically the fact sheets, prospectuses, prospectus supplements, and shareholder reports for any of the available mutual funds in which Account Owner chooses to invest, and to read the prospectuses, including any supplements, and to agree to their terms before investing. Account Owner also consents to review trade confirmations online and in paper or electronic quarterly statementsDepositor. The fact sheetsDepositor will not engage in transactions not permitted under the Agreement, prospectusesincluding, prospectus supplementsbut not limited to, shareholder reports and account informationthe investment in collectibles or life insurance contracts, including trade confirmations, can be accessed through the HSA Administrator’s website or engage in hypertext markup language (HTML) and/or Adobe Acrobat Portable Document Format (PDF). Account Owner may access a document in HTML with appropriate browser software, such as Microsoft Internet Explorer or equivalent. To access a document in PDF, Account Owner must have installed Adobe Acrobat Reader on his or her computer, which may be obtained free of charge at xxx.xxxxx.xxx. Account Owner acknowledges and agrees that he or she has communications access to the Internet and is able to access documents in HTML and PDF without additional hardware and software. Account Owner understands that these documents can be printed if Account Owner has access to a printer, using the button on the browser. Account Owner further understands that electronic delivery is provided free of charge, although other online service provider charges may apply, and that Account Owner may request paper copies of these documents by calling the HSA Administrator. Account Owner acknowledges and agrees that a prospectus has been made Rev. 05/2016 PAGE | 6 available to Account Owner electronically prior to and following the purchase of any available mutual funds. To the extent that Account Owner directs investment of his or her Account in mutual funds, balances invested in those mutual funds are subject to investment fees and other charges and expenses as described by the applicable prospectuses. Some mutual funds may charge a redemption fee. Redemption fees, if any, will be charged to the assets held in the HSA. Account Owner cannot reimburse his or her HSA for redemption fees. For further information on redemption fees, please see the mutual fund prospectusprohibited transaction under Code section 4975.

Investment Responsibilities. The Account Owner will control and manage All investment decisions are the investment sole responsibility of the Custodial Account except insofar as Depositor and the Account Owner delegates investment authority over part or all of Depositor is responsible for directing the Custodial Account assets to one or more investment managers Custodian in writing, or other Authorized Agents. Account Owner grants acceptable form and manner authorized by the Custodian, regarding how all amounts are to the Custodian all powers reasonably necessary to carry out its investment and other duties under this Agreement, and Account Owner agrees to furnish the Custodian with such information and Instructions as may be necessary to carry out the provisions of this Agreement and to enable the Custodian to fulfill all legal and regulatory reporting requirementsinvested. The investment options Custodian will determine the investments available within the Custodial Account Account. These investments will be permissible investments under the applicable laws and Regulations. The available Custodian may change its investment options may change from time to time and the Account Owner Depositor may move his or her monies in the Custodial Account to different investment options available under the Custodial Accountinvestments. Any investment changes within the Custodial Account are subject to the terms and conditions of the investments, including but not limited to minimum deposit requirements and early redemption penalties. Account Owner acknowledges that a wide array of The Custodian will not provide any investment options is made available for direction, suitability recommendations, tax advice, or any other investment guidance. Further, the Custodian has no duty to question the investment directions provided by the Depositor or any issues relating to the management of funds held in the HSACustodial Account. Account Owner understands The Depositor will indemnify and agrees that hold the Custodian is not providing any investment advice to Account Owner or any Authorized Agent harmless from and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing against all costs and administrative services or other “revenue sharing” expenses (including attorney's fees, including but not limited to so-called “12b-1” fees, to ) incurred by the Custodian in connection with an investment in such funds. No investment transaction for any litigation regarding the investments within the Custodial Account that is to be processed by where the Custodian at the direction of the Account Owner or an Authorized Agent will be processed until the Custodian receives the Instruction in proper form. Investment transactions will be processed either is named as soon as administratively practicable thereafter or, if later, on the scheduled date for processing. The Custodian may rely conclusively on all Instructions given by the Account Owner or Authorized Agent which the Custodian believes to be genuine. The Custodian’s records of a transaction will be conclusive as the content of any Instructions. Upon application by the Account Owner, on a form acceptable to the Custodian and upon approval by the Custodian, the Custodian will accept non-written Instructions from the Account Owner or Authorized Agent subject to immediate confirmation of such Instructions by email or in writing by the Authorized Agentnecessary party. The Custodian will have no responsibility to see that any promptly execute investment directions comply with instructions received from the law and Regulations applicable to an HSA. However, Depositor if the instructions are in a form and manner acceptable to the Custodian. If the Custodian receives any direction determines the instructions from the Account Owner Depositor are unclear or an Authorized Agent that appears to the Custodian in its sole judgment to be incomplete or unclearincomplete, the Custodian will not be required to act on such directions and may hold uninvested any asset without liability until proper directions request additional instructions. Until clear instructions are received from the Account Owner or the Authorized Agent. If investment directions are incomplete or unclearreceived, the Custodian will notify reserves the Account Owner right, in good faith, to leave the contribution uninvested, place the contribution in a holding account (e.g., a money market account), or return the Authorized Agent within a reasonable period of timecontribution to the Depositor. In the absence of proper investment directions, the The Custodian will not be liable for interest or market gains any investment losses due to such delays in receiving clear investment instructions. Further, the Depositor will indemnify and hold the Custodian harmless for any adverse consequences or losses incurred from the Custodian's actions or inactions relating to the investment directions received from the Depositor or Authorized Agent. The Custodian shall have no duty other than to follow the written investment directions of the Depositor, and shall be under no duty to question said instructions and shall not be liable for any investment losses sustained by the Depositor. To the extent the Depositor has not directed other investments, the Custodian may maintain the cash as it may deem advisable or expedient (with no requirement to pay interest either on any such cash balances maintained or on cash [on hand] [in its hands] pending investment). All investment direction, investment management and investment advisory agreements provided by the IRA Depositor or beneficiary will continue until revoked by the IRA Depositor or beneficiary, even after the death of the IRA Depositor or beneficiary. The Custodian shall have no duty to bring any claim, suit or other action in connection with any investment in the Custodial Account. Any non-deposit investment product that Account Owner purchases using funds The Depositor agrees to indemnify and hold the Custodian harmless from and against all costs and expenses (including attorney’s fees) incurred by the Custodian in his or her HSAconnection with any litigation, including mutual funds, stocks, and bonds, is not FDIC-insured, is not a deposit claim or other obligation action involving any investment in the Custodial Account in which the Custodian is named as a necessary party or at the request of the Custodian, is not guaranteed by FPS Trust or any of its affiliates, is not insured by any federal government agency, and is subject to investment risk, including the possible loss of the principal amount invested. Mutual Fund E-Consent: Account Owner consents to receive electronically the fact sheets, prospectuses, prospectus supplements, and shareholder reports for any of the available mutual funds in which Account Owner chooses to invest, and to read the prospectuses, including any supplements, and to agree to their terms before investing. Account Owner also consents to review trade confirmations online and in paper or electronic quarterly statementsDepositor. The fact sheetsDepositor will not engage in transactions not permitted under the Agreement, prospectusesincluding, prospectus supplementsbut not limited to, shareholder reports and account informationinvestment in collectibles or life insurance contracts, including trade confirmations, can be accessed through the HSA Administrator’s website or engage in hypertext markup language (HTML) and/or Adobe Acrobat Portable Document Format (PDF). Account Owner may access a document in HTML with appropriate browser software, such as Microsoft Internet Explorer or equivalent. To access a document in PDF, Account Owner must have installed Adobe Acrobat Reader on his or her computer, which may be obtained free of charge at xxx.xxxxx.xxx. Account Owner acknowledges and agrees that he or she has communications access to the Internet and is able to access documents in HTML and PDF without additional hardware and software. Account Owner understands that these documents can be printed if Account Owner has access to a printer, using the button on the browser. Account Owner further understands that electronic delivery is provided free of charge, although other online service provider charges may apply, and that Account Owner may request paper copies of these documents by calling the HSA Administrator. Account Owner acknowledges and agrees that a prospectus has been made Rev. 05/2016 PAGE | 6 available to Account Owner electronically prior to and following the purchase of any available mutual funds. To the extent that Account Owner directs investment of his or her Account in mutual funds, balances invested in those mutual funds are subject to investment fees and other charges and expenses as described by the applicable prospectuses. Some mutual funds may charge a redemption fee. Redemption fees, if any, will be charged to the assets held in the HSA. Account Owner cannot reimburse his or her HSA for redemption fees. For further information on redemption fees, please see the mutual fund prospectusprohibited transaction under Code section 4975.

Investment Responsibilities. The Account Owner will control and manage the investment of the Custodial Account except insofar as the Account Owner delegates investment authority over part or all of the Custodial Account assets to one or more investment managers or other Authorized Agents. Account Owner grants to the Custodian all powers reasonably necessary to carry out its investment and other duties under this Agreement, and Account Owner agrees to furnish the Custodian with such information and Instructions as may be necessary to carry out the provisions of this Agreement and to enable the Custodian to fulfill all legal and regulatory reporting requirements. The investment options available within the Custodial Account will be permissible investments under the applicable laws and Regulations. The available investment options may change from time to time and the Account Owner may move his or her monies in the Custodial Account to different investment options available under the Custodial Account. Any investment changes within the Custodial Account are subject to the terms and conditions of the investments, including but not limited to minimum deposit requirements and early redemption penalties. Account Owner acknowledges that a wide array of investment options is made available for the investment of funds held in the HSA. Account Owner understands and agrees that the Custodian is not providing any investment advice to Account Owner or any Authorized Agent and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing and administrative services or other “revenue sharing” fees, including but not limited to so-called “12b-1” fees, to the Custodian in connection with an investment in such funds. No investment transaction for the Custodial Account that is to be processed by the Custodian at the direction of the Account Owner or an Authorized Agent will be processed until the Custodian receives the Instruction in proper form. Investment transactions will be processed either as soon as administratively practicable thereafter or, if later, on the scheduled date for processing. The Custodian may rely conclusively on all Instructions given by the Account Owner or Authorized Agent which the Custodian believes to be genuine. The Custodian’s records of a transaction will be conclusive as the content of any Instructions. Upon application by the Account Owner, on a form acceptable to the Custodian and upon approval by the Custodian, the Custodian will accept non-written Instructions from the Account Owner or Authorized Agent subject to immediate confirmation of such Instructions by email or in writing by the Authorized Agent. The Custodian will have no responsibility to see that any investment directions comply with the law and Regulations applicable to an HSA. However, if the Custodian receives any direction from the Account Owner or an Authorized Agent that appears to the Custodian in its sole judgment to be incomplete or unclear, the Custodian will not be required to act on such directions and may hold uninvested any asset without liability until proper directions are received from the Account Owner or the Authorized Agent. If investment directions are incomplete or unclear, the Custodian will notify the Account Owner or the Authorized Agent within a reasonable period of time. In the absence of proper investment directions, the Custodian will not be liable for interest or market gains or losses on any cash balances maintained in the Custodial Account. Any non-deposit investment product that Account Owner purchases using funds in his or her HSA, including mutual funds, stocks, and bonds, is not FDIC-insured, is not a deposit or other obligation of the Custodian, is not guaranteed by FPS Trust or any of its affiliates, is not insured by any federal government agency, and is subject to investment risk, including the possible loss of the principal amount invested. Mutual Fund E-Consent: Account Owner consents to receive electronically the fact sheets, prospectuses, prospectus supplements, and shareholder reports for any of the available mutual funds in which Account Owner chooses to invest, and to read the prospectuses, including any supplements, and to agree to their terms before investing. Account Owner also consents to review trade confirmations online and in paper or electronic quarterly statements. The fact sheets, prospectuses, prospectus supplements, shareholder reports and account information, including trade confirmations, can be accessed through the HSA Administrator’s website in hypertext markup language (HTML) and/or Adobe Acrobat Portable Document Format (PDF). Account Owner may access a document in HTML with appropriate browser software, such as Microsoft Internet Explorer or equivalent. To access a document in PDF, Account Owner must have installed Adobe Acrobat Reader on his or her computer, which may be obtained free of charge at xxx.xxxxx.xxx. Account Owner acknowledges and agrees that he or she has communications access to the Internet and is able to access documents in HTML and PDF without additional hardware and software. Account Owner understands that these documents can be printed if Account Owner has access to a printer, using the button on the browser. Account Owner further understands that electronic delivery is provided free of charge, although other online service provider charges may apply, and that Account Owner may request paper copies of these documents by calling the HSA Administrator. Account Owner acknowledges and agrees that a prospectus has been made Rev. 05/2016 PAGE | 6 available to Account Owner electronically prior to and following the purchase of any available mutual funds. To the extent that Account Owner directs investment of his or her Account in mutual funds, balances invested in those mutual funds are subject to investment fees and other charges and expenses as described by the applicable prospectuses. Some mutual funds may charge a redemption fee. Redemption fees, if any, will be charged to the assets held in the HSA. Account Owner cannot reimburse his or her HSA for redemption fees. For further information on redemption fees, please see the mutual fund prospectus.

Investment Responsibilities. The Account Owner will control and manage All investment decisions are the investment sole responsibility of the Custodial Account except insofar as Depositor and the Account Owner delegates investment authority over part or all of Depositor is responsible to direct the Custodial Account assets to one or more investment managers Custodian in writing, or other Authorized Agents. Account Owner grants acceptable form and manner authorized by the Custodian, regarding how all amounts are to the Custodian all powers reasonably necessary to carry out its investment and other duties under this Agreement, and Account Owner agrees to furnish the Custodian with such information and Instructions as may be necessary to carry out the provisions of this Agreement and to enable the Custodian to fulfill all legal and regulatory reporting requirementsinvested. The investment options Custodian will determine the investments available within the Custodial Account Account. These investments will be permissible investments under the applicable laws and Regulations. The available Custodian may change its investment options may change from time to time and the Account Owner Depositor may move his or her monies in the Custodial Account to different investment options available under the Custodial Accountinvestments. Any investment changes within the Custodial Account are subject to the terms and conditions of the investments, including but not limited to minimum deposit requirements and early redemption penalties. Account Owner acknowledges that a wide array of The Custodian will not provide any investment options is made available for direction, suitability recommendations, tax advice, or any other investment guidance. Further, the Custodian has no duty to question the investment directions provided by the Depositor or any issues relating to the management of funds held in the HSACustodial Account. Account Owner understands The Depositor will indemnify and agrees that hold the Custodian is not providing any investment advice to Account Owner or any Authorized Agent harmless from and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing against all costs and administrative services or other “revenue sharing” expenses (including attorney's fees, including but not limited to so-called “12b-1” fees, to ) incurred by the Custodian in connection with an investment in such funds. No investment transaction for any litigation regarding the investments within the Custodial Account that is to be processed by where the Custodian at the direction of the Account Owner or an Authorized Agent will be processed until the Custodian receives the Instruction in proper form. Investment transactions will be processed either is named as soon as administratively practicable thereafter or, if later, on the scheduled date for processing. The Custodian may rely conclusively on all Instructions given by the Account Owner or Authorized Agent which the Custodian believes to be genuine. The Custodian’s records of a transaction will be conclusive as the content of any Instructions. Upon application by the Account Owner, on a form acceptable to the Custodian and upon approval by the Custodian, the Custodian will accept non-written Instructions from the Account Owner or Authorized Agent subject to immediate confirmation of such Instructions by email or in writing by the Authorized Agentnecessary party. The Custodian will have no responsibility to see that any promptly execute investment directions comply with instructions received from the law and Regulations applicable to an HSA. However, Depositor if the instructions are in a form and manner acceptable to the Custodian. If the Custodian receives any direction determines the instructions from the Account Owner Depositor are unclear or an Authorized Agent that appears to the Custodian in its sole judgment to be incomplete or unclearincomplete, the Custodian will not be required to act on such directions and may hold uninvested any asset without liability until proper directions request additional instructions. Until clear instructions are received from the Account Owner or the Authorized Agent. If investment directions are incomplete or unclearreceived, the Custodian will notify reserves the Account Owner right, in good faith, to leave the contribution uninvested, place the contribution in a holding account (e.g., a money market account), or return the Authorized Agent within a reasonable period of timecontribution to the Depositor. In the absence of proper investment directions, the The Custodian will not be liable for interest or market gains any investment losses due to such delays in receiving clear investment instructions. Further, the Depositor will indemnify and hold the Custodian harmless for any adverse consequences or losses incurred from the Custodian's actions or inactions relating to the investment directions received from the Depositor or Authorized Agent. The Custodian shall have no duty other than to follow the written investment directions of the Depositor, and shall be under no duty to question said instructions and shall not be liable for any investment losses sustained by the Depositor. To the extent the Depositor has not directed other investments, the Custodian may maintain the cash as it may deem advisable or expedient (with no requirement to pay interest neither on any such cash balances maintained nor on cash in its hands pending investment). All investment direction, investment management and investment advisory agreements provided by the XXX Depositor or beneficiary will continue until revoked by the XXX Depositor or beneficiary, even after the death of the XXX Depositor or beneficiary. The Custodian shall have no duty to bring any claim, suit or other action in connection with any investment in the Custodial Account. Any non-deposit investment product that Account Owner purchases using funds The Depositor agrees to indemnify and hold the Custodian harmless from and against all costs and expenses (including attorney’s fees) incurred by the Custodian in his or her HSAconnection with any litigation, including mutual funds, stocks, and bonds, is not FDIC-insured, is not a deposit claim or other obligation action involving any investment in the Custodial Account in which the Custodian is named as a necessary party or at the request of the Custodian, is not guaranteed by FPS Trust or any of its affiliates, is not insured by any federal government agency, and is subject to investment risk, including the possible loss of the principal amount invested. Mutual Fund E-Consent: Account Owner consents to receive electronically the fact sheets, prospectuses, prospectus supplements, and shareholder reports for any of the available mutual funds in which Account Owner chooses to invest, and to read the prospectuses, including any supplements, and to agree to their terms before investing. Account Owner also consents to review trade confirmations online and in paper or electronic quarterly statementsDepositor. The fact sheetsDepositor will not engage in transactions not permitted under the Agreement, prospectusesincluding, prospectus supplementsbut not limited to, shareholder reports and account informationthe investment in collectibles or life insurance contracts, including trade confirmations, can be accessed through the HSA Administrator’s website or engage in hypertext markup language (HTML) and/or Adobe Acrobat Portable Document Format (PDF). Account Owner may access a document in HTML with appropriate browser software, such as Microsoft Internet Explorer or equivalent. To access a document in PDF, Account Owner must have installed Adobe Acrobat Reader on his or her computer, which may be obtained free of charge at xxx.xxxxx.xxx. Account Owner acknowledges and agrees that he or she has communications access to the Internet and is able to access documents in HTML and PDF without additional hardware and software. Account Owner understands that these documents can be printed if Account Owner has access to a printer, using the button on the browser. Account Owner further understands that electronic delivery is provided free of charge, although other online service provider charges may apply, and that Account Owner may request paper copies of these documents by calling the HSA Administrator. Account Owner acknowledges and agrees that a prospectus has been made Rev. 05/2016 PAGE | 6 available to Account Owner electronically prior to and following the purchase of any available mutual funds. To the extent that Account Owner directs investment of his or her Account in mutual funds, balances invested in those mutual funds are subject to investment fees and other charges and expenses as described by the applicable prospectuses. Some mutual funds may charge a redemption fee. Redemption fees, if any, will be charged to the assets held in the HSA. Account Owner cannot reimburse his or her HSA for redemption fees. For further information on redemption fees, please see the mutual fund prospectusprohibited transaction under Code section 4975.

Investment Responsibilities. The Account Owner will control and manage the investment of the Custodial Account except insofar as the Account Owner delegates investment authority over part or all of the Custodial Account assets to one or more investment managers or other Authorized Agents. Account Owner grants to the Custodian all powers reasonably necessary to carry out its investment and other duties under this Agreement, and Account Owner agrees to furnish the Custodian with such information and Instructions as may be necessary to carry out the provisions of this Agreement and to enable the Custodian to fulfill all legal and regulatory reporting requirements. The investment options available within the Custodial Account will be permissible investments under the applicable laws and Regulations. The available investment options may change from time to time and the Account Owner may move his or her monies in the Custodial Account to different investment options available under the Custodial Account. Any investment changes within the Custodial Account are subject to the terms and conditions of the investments, including but not limited to minimum deposit requirements and early redemption penalties. Account Owner acknowledges that a wide array of investment options is made available for the investment of funds held in the HSA. Account Owner understands and agrees that the Custodian is not providing any investment advice to Account Owner or any Authorized Agent and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing and administrative services or other “revenue sharing” fees, including but not limited to so-called “12b-1” fees, to the Custodian in connection with an investment in such funds. No investment transaction for the Custodial Account that is to be processed by the Custodian at the direction of the Account Owner or an Authorized Agent will be processed until the Custodian receives the Instruction in proper form. Investment transactions will be processed either as soon as administratively practicable thereafter or, if later, on the scheduled date for processing. The Custodian may rely conclusively on all Instructions given by the Account Owner or Authorized Agent which the Custodian believes to be genuine. The Custodian’s records of a transaction will be conclusive as the content of any Instructions. Upon application by the Account Owner, on a form acceptable to the Custodian and upon approval by the Custodian, the Custodian will accept non-written Instructions from the Account Owner or Authorized Agent subject to immediate confirmation of such Instructions by email or in writing by the Authorized Agent. The Custodian will have no responsibility to see that any investment directions comply with the law and Regulations applicable to an HSA. However, if the Custodian receives any direction from the Account Owner or an Authorized Agent that appears to the Custodian in its sole judgment to be incomplete or unclear, the Custodian will not be required to act on such directions and may hold uninvested any asset without liability until proper directions are received from the Account Owner or the Authorized Agent. If investment directions are incomplete or unclear, the Custodian will notify the Account Owner or the Authorized Agent within a reasonable period of time. In the absence of proper investment directions, the Custodian will not be liable for interest or market gains or losses on any cash balances maintained in the Custodial Account. Any non-deposit nondeposit investment product that Account Owner purchases using funds in his or her HSA, including mutual funds, stocks, and bonds, is not FDIC-insured, is not a deposit or other obligation of the Custodian, is not guaranteed by FPS Trust or any of its affiliates, is not insured by any federal government agency, and is subject to investment risk, including the possible loss of the principal amount invested. Mutual Fund E-Consent: Account Owner consents to receive electronically the fact sheets, prospectuses, prospectus supplements, and shareholder reports for any of the available mutual funds in which Account Owner chooses to invest, and to read the prospectuses, including any supplements, and to agree to their terms before investing. Rev. 11/2015 PAGE | 8 Account Owner also consents to review trade confirmations online and in paper or electronic quarterly statements. The fact sheets, prospectuses, prospectus supplements, shareholder reports and account information, including trade confirmations, can be accessed through the HSA Administrator’s website in hypertext markup language (HTML) and/or Adobe Acrobat Portable Document Format (PDF). Account Owner may access a document in HTML with appropriate browser software, such as Microsoft Internet Explorer or equivalent. To access a document in PDF, Account Owner must have installed Adobe Acrobat Reader on his or her computer, which may be obtained free of charge at xxx.xxxxx.xxx. Account Owner acknowledges and agrees that he or she has communications access to the Internet and is able to access documents in HTML and PDF without additional hardware and software. Account Owner understands that these documents can be printed if Account Owner has access to a printer, using the button on the browser. Account Owner further understands that electronic delivery is provided free of charge, although other online service provider charges may apply, and that Account Owner may request paper copies of these documents by calling the HSA Administrator. Account Owner acknowledges and agrees that a prospectus has been made Rev. 05/2016 PAGE | 6 available to Account Owner electronically prior to and following the purchase of any available mutual funds. To the extent that Account Owner directs investment of his or her Account in mutual funds, balances invested in those mutual funds are subject to investment fees and other charges and expenses as described by the applicable prospectuses. Some mutual funds may charge a redemption fee. Redemption fees, if any, will be charged to the assets held in the HSA. Account Owner cannot reimburse his or her HSA for redemption fees. For further information on redemption fees, please see the mutual fund prospectus.

Investment Responsibilities. The Account Owner will control and manage the investment of the Custodial Account except insofar as the Account Owner delegates investment authority over part or all of the Custodial Account assets to one or more investment managers or other Authorized Agents. Account Owner grants to the Custodian all powers reasonably necessary to carry out its investment and other duties under this Agreement, and Account Owner agrees to furnish the Custodian with such information and Instructions as may be necessary to carry out the provisions of this Agreement and to enable the Custodian to fulfill all legal and regulatory reporting requirements. The investment options available within the Custodial Account will be permissible investments under the applicable laws and Regulations. The available investment options may change from time to time and the Account Owner may move his or her monies in the Custodial Account to different investment options available under the Custodial Account. Any investment changes within the Custodial Account are subject to the terms and conditions of the investments, including but not limited to minimum deposit requirements and early redemption penalties. Account Owner acknowledges that a wide array of investment options is made available for the investment of funds held in the HSA. Account Owner understands and agrees that the Custodian is not providing any investment advice to Account Owner or any Authorized Agent and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing and administrative services or other “revenue sharing” fees, including but not limited to so-called “12b-1” fees, to the Custodian in connection with an investment in such funds. No investment transaction for the Custodial Account that is to be processed by the Custodian at the direction of the Account Owner or an Authorized Agent will be processed until the Custodian receives the Instruction in proper form. Investment transactions will be processed either as soon as administratively practicable thereafter or, if later, on the scheduled date for processing. The Custodian may rely conclusively on all Instructions given by the Account Owner or Authorized Agent which the Custodian believes to be genuine. The Custodian’s records of a transaction will be conclusive as the content of any Instructions. Upon application by the Account Owner, on a form acceptable to the Custodian and upon approval by the Custodian, the Custodian will accept non-written Instructions from the Account Owner or Authorized Agent subject to immediate confirmation of such Instructions by email or in writing by the Authorized Agent. The Custodian will have no responsibility to see that any investment directions comply with the law and Regulations applicable to an HSA. However, if the Custodian receives any direction from the Account Owner or an Authorized Agent that appears to the Custodian in its sole judgment to be incomplete or unclear, the Custodian will not be required to act on such directions and may hold uninvested any asset without liability until proper directions are received from the Account Owner or the Authorized Agent. If investment directions are incomplete or unclear, the Custodian will notify the Account Owner or the Authorized Agent within a reasonable period of time. In the absence of proper investment directions, the Custodian will not be liable for interest or market gains or losses on any cash balances maintained in the Custodial Account. Any non-deposit nondeposit investment product that Account Owner purchases using funds in his or her HSA, including mutual funds, stocks, and bonds, is not FDIC-insured, is not a deposit or other obligation of the Custodian, is not guaranteed by FPS Trust or any of its affiliates, is not insured by any federal government agency, and is subject to investment risk, including the possible loss of the principal amount invested. Mutual Fund E-Consent: Account Owner consents to receive electronically the fact sheets, prospectuses, prospectus supplements, and shareholder reports for any of the available mutual funds in which Account Owner chooses to invest, and to read the prospectuses, including any supplements, and to agree to their terms before investing. Rev. 11/2015 PAGE | 9 Account Owner also consents to review trade confirmations online and in paper or electronic quarterly statements. The fact sheets, prospectuses, prospectus supplements, shareholder reports and account information, including trade confirmations, can be accessed through the HSA Administrator’s website in hypertext markup language (HTML) and/or Adobe Acrobat Portable Document Format (PDF). Account Owner may access a document in HTML with appropriate browser software, such as Microsoft Internet Explorer or equivalent. To access a document in PDF, Account Owner must have installed Adobe Acrobat Reader on his or her computer, which may be obtained free of charge at xxx.xxxxx.xxx. Account Owner acknowledges and agrees that he or she has communications access to the Internet and is able to access documents in HTML and PDF without additional hardware and software. Account Owner understands that these documents can be printed if Account Owner has access to a printer, using the button on the browser. Account Owner further understands that electronic delivery is provided free of charge, although other online service provider charges may apply, and that Account Owner may request paper copies of these documents by calling the HSA Administrator. Account Owner acknowledges and agrees that a prospectus has been made Rev. 05/2016 PAGE | 6 available to Account Owner electronically prior to and following the purchase of any available mutual funds. To the extent that Account Owner directs investment of his or her Account in mutual funds, balances invested in those mutual funds are subject to investment fees and other charges and expenses as described by the applicable prospectuses. Some mutual funds may charge a redemption fee. Redemption fees, if any, will be charged to the assets held in the HSA. Account Owner cannot reimburse his or her HSA for redemption fees. For further information on redemption fees, please see the mutual fund prospectus.

Investment Responsibilities. The Account Owner will control and manage All investment decisions are the investment sole responsibility of the Custodial Account except insofar as Depositor and the Account Owner delegates investment authority over part or all of Depositor is responsible for directing the Custodial Account assets to one or more investment managers Custodian in writing, or other Authorized Agents. Account Owner grants acceptable form and manner authorized by the Custodian, regarding how all amounts are to the Custodian all powers reasonably necessary to carry out its investment and other duties under this Agreement, and Account Owner agrees to furnish the Custodian with such information and Instructions as may be necessary to carry out the provisions of this Agreement and to enable the Custodian to fulfill all legal and regulatory reporting requirementsinvested. The investment options Custodian will determine the investments available within the Custodial Account Account. These investments will be permissible investments under the applicable laws and Regulations. The available Custodian may change its investment options may change from time to time and the Account Owner Depositor may move his or her monies in the Custodial Account to different investment options available under the Custodial Accountinvestments. Any investment changes within the Custodial Account are subject to the terms and conditions of the investments, including but not limited to minimum deposit requirements and early redemption penalties. Account Owner acknowledges that a wide array of The Custodian, underlying investment options is made available for vehicles, and their service providers have not and will not provide any investment advice, investment recommendations or suggestions, direction, suitability recommendations, tax advice, or any other investment guidance to the Depositor. Further, the Custodian, underlying investment vehicles, and their service providers have no duty to question the investment directions provided by the Depositor or any issues relating to the management of funds held in the HSACustodial Account. Account Owner understands The Depositor will indemnify and agrees that hold the Custodian is not providing any investment advice to Account Owner or any Authorized Agent harmless from and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing against all costs and administrative services or other “revenue sharing” expenses (including attorney’s fees, including but not limited to so-called “12b-1” fees, to ) incurred by the Custodian in connection with an investment in such funds. No investment transaction for any litigation regarding the investments within the Custodial Account that is to be processed by where the Custodian at the direction of the Account Owner or an Authorized Agent will be processed until the Custodian receives the Instruction in proper form. Investment transactions will be processed either is named as soon as administratively practicable thereafter or, if later, on the scheduled date for processing. The Custodian may rely conclusively on all Instructions given by the Account Owner or Authorized Agent which the Custodian believes to be genuine. The Custodian’s records of a transaction will be conclusive as the content of any Instructions. Upon application by the Account Owner, on a form acceptable to the Custodian and upon approval by the Custodian, the Custodian will accept non-written Instructions from the Account Owner or Authorized Agent subject to immediate confirmation of such Instructions by email or in writing by the Authorized Agentnecessary party. The Custodian will have no responsibility to see that any promptly execute investment directions comply with instructions received from the law and Regulations applicable to an HSA. However, Depositor if the instructions are in a form and manner acceptable to the Custodian. If the Custodian receives any direction determines the instructions from the Account Owner Depositor are unclear or an Authorized Agent that appears to the Custodian in its sole judgment to be incomplete or unclearincomplete, the Custodian will not be required to act on such directions and may hold uninvested any asset without liability until proper directions request additional instructions. Until clear instructions are received from the Account Owner or the Authorized Agent. If investment directions are incomplete or unclearreceived, the Custodian will notify reserves the Account Owner right, in good faith, to leave the contribution uninvested, place the contribution in a holding account (e.g., a money market account), or return the Authorized Agent within a reasonable period of timecontribution to the Depositor. In the absence of proper investment directions, the The Custodian will not be liable for interest or market gains any investment losses due to such delays in receiving clear investment instructions. Further, the Depositor will indemnify and hold the Custodian harmless for any adverse consequences or losses incurred from the Custodian’s actions or inactions relating to the investment directions received from the Depositor or Authorized Agent. The Custodian shall have no duty other than to follow the written investment directions of the Depositor, and shall be under no duty to question said instructions and shall not be liable for any investment losses sustained by the Depositor. To the extent the Depositor has not directed other investments, the Custodian may maintain the cash as it may deem advisable or expedient (with no requirement to pay interest either on any such cash balances maintained or on cash on hand pending investment). All investment direction, investment management and investment advisory agreements provided by the IRA Depositor or beneficiary will continue until revoked by the IRA Depositor or beneficiary, even after the death of the IRA Depositor or beneficiary. The Custodian shall have no duty to bring any claim, suit or other action in connection with any investment in the Custodial Account. Any non-deposit The Depositor agrees to indemnify and hold the Custodian harmless from and against all costs and expenses (including attorney’s fees) incurred by the Custodian in connection with any litigation, claim or other action involving any investment product that in the Custodial Account Owner purchases using funds in his which the Custodian is named as a necessary party or her HSAat the request of the Depositor The Depositor will not engage in transactions not permitted under the Agreement, including mutual fundsincluding, stocksbut not limited to, investment in collectibles, except as otherwise permitted by section 408(m)(3), which provides an exception for certain gold, silver, and bondsplatinum coins, is not FDIC-insured, is not a deposit or other obligation coins issued under the laws of the Custodian, is not guaranteed by FPS Trust or any of its affiliates, is not insured by any federal government agencystate, and is subject to investment riskcertain bullion, including the possible loss of the principal amount invested. Mutual Fund E-Consent: Account Owner consents to receive electronically the fact sheetsor life insurance contracts, prospectuses, prospectus supplements, and shareholder reports for any of the available mutual funds or engage in which Account Owner chooses to invest, and to read the prospectuses, including any supplements, and to agree to their terms before investing. Account Owner also consents to review trade confirmations online and in paper or electronic quarterly statements. The fact sheets, prospectuses, prospectus supplements, shareholder reports and account information, including trade confirmations, can be accessed through the HSA Administrator’s website in hypertext markup language (HTML) and/or Adobe Acrobat Portable Document Format (PDF). Account Owner may access a document in HTML with appropriate browser software, such as Microsoft Internet Explorer or equivalent. To access a document in PDF, Account Owner must have installed Adobe Acrobat Reader on his or her computer, which may be obtained free of charge at xxx.xxxxx.xxx. Account Owner acknowledges and agrees that he or she has communications access to the Internet and is able to access documents in HTML and PDF without additional hardware and software. Account Owner understands that these documents can be printed if Account Owner has access to a printer, using the button on the browser. Account Owner further understands that electronic delivery is provided free of charge, although other online service provider charges may apply, and that Account Owner may request paper copies of these documents by calling the HSA Administrator. Account Owner acknowledges and agrees that a prospectus has been made Rev. 05/2016 PAGE | 6 available to Account Owner electronically prior to and following the purchase of any available mutual funds. To the extent that Account Owner directs investment of his or her Account in mutual funds, balances invested in those mutual funds are subject to investment fees and other charges and expenses as described by the applicable prospectuses. Some mutual funds may charge a redemption fee. Redemption fees, if any, will be charged to the assets held in the HSA. Account Owner cannot reimburse his or her HSA for redemption fees. For further information on redemption fees, please see the mutual fund prospectusprohibited transaction under Code section 4975.

Investment Responsibilities. The Account Owner will control and manage the investment of the Custodial Account except insofar as the Account Owner delegates investment authority over part or all of the Custodial Account assets to one or more investment managers or other Authorized Agents. Account Owner grants to the Custodian all powers reasonably necessary to carry out its investment and other duties under this Agreement, and Account Owner agrees to furnish the Custodian with such information and Instructions as may be necessary to carry out the provisions of this Agreement and to enable the Custodian to fulfill all legal and regulatory reporting requirements. The Custodian will determine the investment options available within the Custodial Account Account. These investments will be permissible investments under the applicable laws and Regulations. The available Custodian may change its investment options may change from time to time and the Account Owner may move his or her monies in the Custodial Account to different investment options available under the Custodial Accountinvestments. Any investment changes within the Custodial Account are subject to the terms and conditions of the investments, including but not limited to minimum deposit requirements and early redemption penalties. Account Owner acknowledges that a wide array of investment options is made available for the investment of funds held in the HSA. Account Owner understands and agrees that the Custodian is not providing any investment advice to Account Owner or any Authorized Agent and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing and administrative services or other “revenue sharing” fees, including but not limited to so-called “12b-1” fees, to the Custodian in connection with an investment in such funds. No investment transaction for the Custodial Account that is to be processed by the Custodian at the direction of the Account Owner or an Authorized Agent will be processed until the Custodian receives the Instruction in proper form. Investment transactions will be processed either as soon as administratively practicable thereafter or, if later, on the scheduled date for processing. The Custodian may rely conclusively on all Instructions given by the Account Owner or Authorized Agent which the Custodian believes to be genuine. The Custodian’s records of a transaction will be conclusive as the content of any Instructions. Upon application by the Account Owner, on a form acceptable to the Custodian and upon approval by the Custodian, the Custodian will accept non-written Instructions from the Account Owner or Authorized Agent subject to immediate confirmation of such Instructions by email or in writing by the Authorized Agent. The Custodian will have no responsibility to see that any investment directions comply with the law and Regulations applicable to an HSA. However, if the Custodian receives any direction from the Account Owner or an Authorized Agent that appears to the Custodian in its sole judgment to be incomplete or unclear, the Custodian will not be required to act on such directions and may hold uninvested any asset without liability until proper directions are received from the Account Owner or the Authorized Agent. If investment directions are incomplete or unclear, the Custodian will notify the Account Owner or the Authorized Agent within a reasonable period of time. In the absence of proper investment directions, the Custodian will not be liable for interest or market gains or losses on any cash balances maintained in the Custodial Account. Any non-deposit nondeposit investment product that Account Owner purchases using funds in his or her HSA, including mutual funds, stocks, and bonds, is not FDIC-insured, is not a deposit or other obligation of the Custodian, is not guaranteed by FPS Trust or any of its affiliates, is not insured by any federal government agency, and is subject to investment risk, including the possible loss of the principal amount invested. Mutual Fund E-Consent: Account Owner consents to receive electronically the fact sheets, prospectuses, prospectus supplements, and shareholder reports for any of the available mutual funds in which Account Owner chooses to invest, and to read the prospectuses, Rev. 08/2015 PAGE | 9 including any supplements, and to agree to their terms before investing. Account Owner also consents to review trade confirmations online and in paper or electronic quarterly statements. The fact sheets, prospectuses, prospectus supplements, shareholder reports and account information, including trade confirmations, can be accessed through the HSA Administrator’s website in hypertext markup language (HTML) and/or Adobe Acrobat Portable Document Format (PDF). Account Owner may access a document in HTML with appropriate browser software, such as Microsoft Internet Explorer or equivalent. To access a document in PDF, Account Owner must have installed Adobe Acrobat Reader on his or her computer, which may be obtained free of charge at xxx.xxxxx.xxx. Account Owner acknowledges and agrees that he or she has communications access to the Internet and is able to access documents in HTML and PDF without additional hardware and software. Account Owner understands that these documents can be printed if Account Owner has access to a printer, using the button on the browser. Account Owner further understands that electronic delivery is provided free of charge, although other online service provider charges may apply, and that Account Owner may request paper copies of these documents by calling the HSA Administrator. Account Owner acknowledges and agrees that a prospectus has been made Rev. 05/2016 PAGE | 6 available to Account Owner electronically prior to and following the purchase of any available mutual funds. To the extent that Account Owner directs investment of his or her Account in mutual funds, balances invested in those mutual funds are subject to investment fees and other charges and expenses as described by the applicable prospectuses. Some mutual funds may charge a redemption fee. Redemption fees, if any, will be charged to the assets held in the HSA. Account Owner cannot reimburse his or her HSA for redemption fees. For further information on redemption fees, please see the mutual fund prospectus.

Investment Responsibilities. The Account Owner will control and manage the investment of the Custodial Account except insofar as the Account Owner delegates investment authority over part or all of the Custodial Account assets to one or more investment managers or other Authorized Agents. Account Owner grants to the Custodian all powers reasonably necessary to carry out its investment and other duties under this Agreement, and Account Owner agrees to furnish the Custodian with such information and Instructions as may be necessary to carry out the provisions of this Agreement and to enable the Custodian to fulfill all legal and regulatory reporting requirements. The Custodian will determine the investment options available within the Custodial Account Account. These investments will be permissible investments under the applicable laws and Regulations. The available Custodian may change its investment options may change from time to time and the Account Owner may move his or her monies in the Custodial Account to different investment options available under the Custodial Accountinvestments. Any investment changes within the Custodial Account are subject to the terms and conditions of the investments, including but not limited to minimum deposit requirements and early redemption penalties. Account Owner acknowledges that a wide array of investment options is made available for the investment of funds held in the HSA. Account Owner understands and agrees that the Custodian is not providing any investment advice to Account Owner or any Authorized Agent and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing and administrative services or other “revenue sharing” fees, including but not limited to so-called “12b-1” fees, to the Custodian in connection with an investment in such funds. No investment transaction for the Custodial Account that is to be processed by the Custodian at the direction of the Account Owner or an Authorized Agent will be processed until the Custodian receives the Instruction in proper form. Investment transactions will be processed either as soon as administratively practicable thereafter or, if later, on the scheduled date for processing. The Custodian may rely conclusively on all Instructions given by the Account Owner or Authorized Agent which the Custodian believes to be genuine. The Custodian’s records of a transaction will be conclusive as the content of any Instructions. Upon application by the Account Owner, on a form acceptable to the Custodian and upon approval by the Custodian, the Custodian will accept non-written Instructions from the Account Owner or Authorized Agent subject to immediate confirmation of such Instructions by email or in writing by the Authorized Agent. The Custodian will have no responsibility to see that any investment directions comply with the law and Regulations applicable to an HSA. However, if the Custodian receives any direction from the Account Owner or an Authorized Agent that appears to the Custodian in its sole judgment to be incomplete or unclear, the Custodian will not be required to act on such directions and may hold uninvested any asset without liability until proper directions are received from the Account Owner or the Authorized Agent. If investment directions are incomplete or unclear, the Custodian will notify the Account Owner or the Authorized Agent within a reasonable period of time. In the absence of proper investment directions, the Custodian will not be liable for interest or market gains or losses on any cash balances maintained in the Custodial Account. Any non-deposit nondeposit investment product that Account Owner purchases using funds in his or her HSA, including mutual funds, stocks, and bonds, is not FDIC-insured, is not a deposit or other obligation of the Custodian, is not guaranteed by FPS Trust or any of its affiliates, is not insured by any federal government agency, and is subject to investment risk, including the possible loss of the principal amount invested. Mutual Fund E-Consent: Account Owner consents to receive electronically the fact sheets, prospectuses, prospectus supplements, and shareholder reports for any of the available mutual funds in which Account Owner chooses to invest, and to read the prospectuses, Rev. 07/2015 PAGE | 9 including any supplements, and to agree to their terms before investing. Account Owner also consents to review trade confirmations online and in paper or electronic quarterly statements. The fact sheets, prospectuses, prospectus supplements, shareholder reports and account information, including trade confirmations, can be accessed through the HSA Administrator’s website in hypertext markup language (HTML) and/or Adobe Acrobat Portable Document Format (PDF). Account Owner may access a document in HTML with appropriate browser software, such as Microsoft Internet Explorer or equivalent. To access a document in PDF, Account Owner must have installed Adobe Acrobat Reader on his or her computer, which may be obtained free of charge at xxx.xxxxx.xxx. Account Owner acknowledges and agrees that he or she has communications access to the Internet and is able to access documents in HTML and PDF without additional hardware and software. Account Owner understands that these documents can be printed if Account Owner has access to a printer, using the button on the browser. Account Owner further understands that electronic delivery is provided free of charge, although other online service provider charges may apply, and that Account Owner may request paper copies of these documents by calling the HSA Administrator. Account Owner acknowledges and agrees that a prospectus has been made Rev. 05/2016 PAGE | 6 available to Account Owner electronically prior to and following the purchase of any available mutual funds. To the extent that Account Owner directs investment of his or her Account in mutual funds, balances invested in those mutual funds are subject to investment fees and other charges and expenses as described by the applicable prospectuses. Some mutual funds may charge a redemption fee. Redemption fees, if any, will be charged to the assets held in the HSA. Account Owner cannot reimburse his or her HSA for redemption fees. For further information on redemption fees, please see the mutual fund prospectus.

Investment Responsibilities. The Account Owner will control and manage the investment of the Custodial Account except insofar as the Account Owner delegates investment authority over part or all of the Custodial Account assets to one or more investment managers or other Authorized Agents. Account Owner grants to the Custodian all powers reasonably necessary to carry out its investment and other duties under this Agreement, and Account Owner agrees to furnish the Custodian with such information and Instructions as may be necessary to carry out the provisions provi- sions of this Agreement and to enable the Custodian to fulfill all legal and regulatory reporting requirements. The Custodian will determine the investment options available within the Custodial Account Account. These investments will be permissible investments under the applicable laws and Regulations. The available Custodian may change its investment options may change from time to time and the Account Owner may move his or her monies in the Custodial Account to different investment options available under the Custodial Accountinvestments. Any investment changes within the Custodial Account are subject to the terms and conditions of the investments, including but not limited to minimum deposit requirements and early redemption penalties. Account Owner acknowledges that a wide array of investment options is made available avail- able for the investment of funds held in the HSA. Account Owner understands and agrees that the Custodian is not providing any investment advice to Account Owner or any Authorized Agent and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing and administrative services or other “revenue sharing” fees, including but not limited to so-called “12b-1” fees, to the Custodian in connection connec- tion with an investment in such funds. No investment transaction for the Custodial Account that is to be processed by the Custodian at the direction of the Account Owner or an Authorized Agent will be processed pro- cessed until the Custodian receives the Instruction in proper form. Investment transactions trans- actions will be processed either as soon as administratively practicable thereafter or, if later, on the scheduled date for processing. The Custodian may rely conclusively on all Instructions given by the Account Owner or Authorized Agent which the Custodian Custo- dian believes to be genuine. The Custodian’s records of a transaction will be conclusive conclu- sive as the content of any Instructions. Upon application by the Account Owner, on a form acceptable to the Custodian and upon approval by the Custodian, the Custodian will accept non-written Instructions from the Account Owner or Authorized Agent subject to immediate confirmation of such Instructions by email or in writing by the Authorized Agent. The Custodian will have no responsibility to see that any investment directions comply com- ply with the law and Regulations applicable to an HSA. However, if the Custodian receives any direction from the Account Owner or an Authorized Agent that appears to the Custodian in its sole judgment to be incomplete or unclear, the Custodian will not be required to act on such directions and may hold uninvested any asset without liability until proper directions are received from the Account Owner or the Authorized Agent. If investment directions are incomplete or unclear, the Custodian will notify the Account Owner or the Authorized Agent within a reasonable period of time. In the absence of proper investment directions, the Custodian will not be liable for interest or market gains or losses on any cash balances maintained in the Custodial Account. Any non-deposit nondeposit investment product that Account Owner purchases using funds in his or her HSA, including mutual funds, stocks, and bonds, is not FDIC-insured, is not a deposit or other obligation of the Custodian, ,. is not guaranteed by FPS Trust or any of its affiliates, is not insured by any federal government agency, and is subject to investment risk, including the possible loss of the principal amount invested. Mutual Fund E-Consent: Account Owner consents to receive electronically the fact sheets, prospectuses, prospectus supplements, and shareholder reports for any of the available mutual funds in which Account Owner chooses to invest, and to read the prospectuses, including any supplements, and to agree to their terms before investing. Account Owner also consents to review trade confirmations online and in paper or electronic quarterly statements. The fact sheets, prospectuses, prospectus supplements, shareholder reports and account information, including trade confirmations, can be accessed through the HSA Administrator’s website in hypertext markup language (HTML) and/or Adobe Acrobat Portable Document Format (PDF). Account Owner may access a document in HTML with appropriate browser software, such as Microsoft Internet Explorer or equivalent. To access a document in PDF, Account Owner must have installed Adobe Acrobat Reader on his or her computer, which may be obtained free of charge at xxx.xxxxx.xxx. Account Owner acknowledges and agrees that he or she has communications access to the Internet and is able to access documents in HTML and PDF without additional hardware and software. Account Owner understands that these documents can be printed if Account Owner has access to a printer, using the button on the browser. Account Owner further understands that electronic delivery is provided free of charge, although other online service provider charges may apply, and that Account Owner may request paper copies of these documents by calling the HSA Administrator. Account Owner acknowledges and agrees that a prospectus has been made Rev. 05/2016 PAGE | 6 available availa- ble to Account Owner electronically prior to and following the purchase of any available availa- ble mutual funds. To the extent that Account Owner directs investment of his or her Account in mutual funds, balances invested in those mutual funds are subject to investment fees and other charges and expenses as described by the applicable prospectuses. Some mutual funds may charge a redemption fee. Redemption fees, if any, will be charged to the assets held in the HSA. Account Owner cannot reimburse his or her HSA for redemption fees. For further information on redemption fees, please see the mutual fund prospectus.

Investment Responsibilities. The Account Owner will control and manage the investment of the Custodial Account except insofar as the Account Owner delegates investment authority over part or all of the Custodial Account assets to one or more investment managers or other Authorized Agents. Account Owner grants to the Custodian all powers reasonably necessary to carry out its investment and other duties under this Agreement, and Account Owner agrees to furnish the Custodian with such information and Instructions as may be necessary to carry out the provisions of this Agreement and to enable the Custodian to fulfill all legal and regulatory reporting requirements. The investment options available within the Custodial Account will be permissible investments under the applicable laws and Regulations. The available investment options may change from time to time and the Account Owner may move his or her monies in the Custodial Account to different investment options available under the Custodial Account. Any investment changes within the Custodial Account are subject to the terms and conditions of the investments, including but not limited to minimum deposit requirements and early redemption penalties. Account Owner acknowledges that a wide array of investment options is made available for the investment of funds held in the HSA. Account Owner understands and agrees that the Custodian is not providing any investment advice to Account Owner or any Authorized Agent and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing and administrative services or other “revenue sharing” fees, including but not limited to so-called “12b-1” fees, to the Custodian in connection with an investment in such funds. No investment transaction for the Custodial Account that is to be processed by the Custodian at the direction of the Account Owner or an Authorized Agent will be processed until the Custodian receives the Instruction in proper form. Investment transactions will be processed either as soon as administratively practicable thereafter or, if later, on the scheduled date for processing. The Custodian may rely conclusively on all Instructions given by the Account Owner or Authorized Agent which the Custodian believes to be genuine. The Custodian’s records of a transaction will be conclusive as the content of any Instructions. Upon application by the Account Owner, on a form acceptable to the Custodian and upon approval by the Custodian, the Custodian will accept non-written Instructions from the Account Owner or Authorized Agent subject to immediate confirmation of such Instructions by email or in writing by the Authorized Agent. The Custodian will have no responsibility to see that any investment directions comply with the law and Regulations applicable to an HSA. However, if the Custodian receives any direction from the Account Owner or an Authorized Agent that appears to the Custodian in its sole judgment to be incomplete or unclear, the Custodian will not be required to act on such directions and may hold uninvested any asset without liability until proper directions are received from the Account Owner or the Authorized Agent. If investment directions are incomplete or unclear, the Custodian will notify the Account Owner or the Authorized Agent within a reasonable period of time. In the absence of proper investment directions, the Custodian will not be liable for interest or market gains or losses on any cash balances maintained in the Custodial Account. Any non-deposit nondeposit investment product that Account Owner purchases using funds in his or her HSA, including mutual funds, stocks, and bonds, is not FDIC-insured, is not a deposit or other obligation of the Custodian, is not guaranteed by FPS Trust or any of its affiliates, is not insured by any federal government agency, and is subject to investment risk, including the possible loss of the principal amount invested. Mutual Fund E-Consent: Account Owner consents to receive electronically the fact sheets, prospectuses, prospectus supplements, and shareholder reports for any of the available mutual funds in which Account Owner chooses to invest, and to read the prospectuses, including any supplements, and to agree to their terms before investing. Account Owner also consents to review trade confirmations online and in paper or electronic quarterly statements. The fact sheets, prospectuses, prospectus supplements, shareholder reports and account information, including trade confirmations, can be accessed through the HSA Administrator’s website in hypertext markup language (HTML) and/or Adobe Acrobat Portable Document Format (PDF). Account Owner may access a document in HTML with appropriate browser software, such as Microsoft Internet Explorer or equivalent. To access a document in PDF, Account Owner must have installed Adobe Acrobat Reader on his or her computer, which may be obtained free of charge at xxx.xxxxx.xxx. Account Owner acknowledges and agrees that he or she has communications access to the Internet and is able to access documents in HTML and PDF without additional hardware and software. Account Owner understands that these documents can be printed if Account Owner has access to a printer, using the button on the browser. Account Owner further understands that electronic delivery is provided free of charge, although other online service provider charges may apply, and that Account Owner may request paper copies of these documents by calling the HSA Administrator. Account Owner acknowledges and agrees that a prospectus has been made Rev. 05/2016 PAGE | 6 available to Account Owner electronically prior to and following the purchase of any available mutual funds. To the extent that Account Owner directs investment of his or her Account in mutual funds, balances invested in those mutual funds are subject to investment fees and other charges and expenses as described by Rev. 10/2015 PAGE | 3 the applicable prospectuses. Some mutual funds may charge a redemption fee. Redemption fees, if any, will be charged to the assets held in the HSA. Account Owner cannot reimburse his or her HSA for redemption fees. For further information on redemption fees, please see the mutual fund prospectus.

Investment Responsibilities. The Account Owner will control and manage All investment decisions are the investment sole responsibility of the Custodial Account except insofar as Depositor and the Account Owner delegates investment authority over part or all of Depositor is responsible for directing the Custodial Account assets to one or more investment managers Custodian in writing, or other Authorized Agents. Account Owner grants acceptable form and manner authorized by the Custodian, regarding how all amounts are to the Custodian all powers reasonably necessary to carry out its investment and other duties under this Agreement, and Account Owner agrees to furnish the Custodian with such information and Instructions as may be necessary to carry out the provisions of this Agreement and to enable the Custodian to fulfill all legal and regulatory reporting requirementsinvested. The investment options Custodian will determine the investments available within the Custodial Account Account. These investments will be permissible investments under the applicable laws and Regulations. The available Custodian may change its investment options may change from time to time and the Account Owner Depositor may move his or her monies in the Custodial Account to different investment options available under the Custodial Accountinvestments. Any investment changes within the Custodial Account are subject to the terms and conditions of the investments, including but not limited to minimum deposit requirements and early redemption penalties. Account Owner acknowledges that a wide array of The Custodian, underlying investment options is made available for vehicles, and their service providers have not and will not provide any investment advice, investment recommendations or suggestions, direction, suitability recommendations, tax advice, or any other investment guidance to the Depositor. Further, the Custodian, underlying investment vehicles, and their service providers have no duty to question the investment of funds held in directions provided by the HSA. Account Owner understands and agrees that the Custodian is not providing any investment advice to Account Owner or any Authorized Agent and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing and administrative services or other “revenue sharing” fees, including but not limited to so-called “12b-1” fees, to the Depositor oranyissuesrelatingtothemanagementoftheCustodialAccount.TheDepositorwillindemnifyandholdtheCustodianharmlessfromandagainstallcostsandexpenses(includingattorney’sfees)incurredbythe Custodian in connection with an investment in such funds. No investment transaction for any litigation regarding the investments within the Custodial Account that is to be processed by where the Custodian at the direction of the Account Owner or an Authorized Agent will be processed until the Custodian receives the Instruction in proper form. Investment transactions will be processed either is named as soon as administratively practicable thereafter or, if later, on the scheduled date for processinga necessary party. The Custodian may rely conclusively on all Instructions given by will promptly execute investment instructions received from the Account Owner or Authorized Agent which Depositor if the Custodian believes to be genuine. The Custodian’s records of a transaction will be conclusive as the content of any Instructions. Upon application by the Account Owner, on instructions are in a form and manner acceptable to the Custodian. If the Custodian and upon approval by determines the Custodianinstructions from the Depositor are unclear or incomplete, the Custodian will accept non-written Instructions may request additional instructions. Until clear instructions are received, the Custodian reserves the right, in good faith, to leave the contribution uninvested, place the contributioninaholdingaccount(e.g.,amoneymarketaccount),orreturnthecontributiontotheDepositor.TheCustodianwillnotbeliableforanyinvestmentlossesdueto suchdelaysinreceivingclearinvestment instructions.Further,theDepositorwillindemnifyandholdtheCustodianharmlessforanyadverseconsequencesorlossesincurredfromtheCustodian’sactionsor inactionsrelatingtotheinvestmentdirections received from the Account Owner Depositor or Authorized Agent subject to immediate confirmation of such Instructions by email or in writing by the Authorized Agent. The Custodian will shall have no responsibility duty other than to see that any follow the written investment directions comply with of the law Depositor, and Regulations applicable shall be under no duty to an HSA. However, if the Custodian receives any direction from the Account Owner or an Authorized Agent that appears to the Custodian in its sole judgment to be incomplete or unclear, the Custodian will not be required to act on such directions question said instructions and may hold uninvested any asset without liability until proper directions are received from the Account Owner or the Authorized Agent. If investment directions are incomplete or unclear, the Custodian will notify the Account Owner or the Authorized Agent within a reasonable period of time. In the absence of proper investment directions, the Custodian will shall not be liable for interest or market gains or any investment losses on any cash balances maintained in sustained by the Custodial Account. Any non-deposit investment product that Account Owner purchases using funds in his or her HSA, including mutual funds, stocks, and bonds, is not FDIC-insured, is not a deposit or other obligation of the Custodian, is not guaranteed by FPS Trust or any of its affiliates, is not insured by any federal government agency, and is subject to investment risk, including the possible loss of the principal amount invested. Mutual Fund E-Consent: Account Owner consents to receive electronically the fact sheets, prospectuses, prospectus supplements, and shareholder reports for any of the available mutual funds in which Account Owner chooses to invest, and to read the prospectuses, including any supplements, and to agree to their terms before investing. Account Owner also consents to review trade confirmations online and in paper or electronic quarterly statements. The fact sheets, prospectuses, prospectus supplements, shareholder reports and account information, including trade confirmations, can be accessed through the HSA Administrator’s website in hypertext markup language (HTML) and/or Adobe Acrobat Portable Document Format (PDF). Account Owner may access a document in HTML with appropriate browser software, such as Microsoft Internet Explorer or equivalent. To access a document in PDF, Account Owner must have installed Adobe Acrobat Reader on his or her computer, which may be obtained free of charge at xxx.xxxxx.xxx. Account Owner acknowledges and agrees that he or she has communications access to the Internet and is able to access documents in HTML and PDF without additional hardware and software. Account Owner understands that these documents can be printed if Account Owner has access to a printer, using the button on the browser. Account Owner further understands that electronic delivery is provided free of charge, although other online service provider charges may apply, and that Account Owner may request paper copies of these documents by calling the HSA Administrator. Account Owner acknowledges and agrees that a prospectus has been made Rev. 05/2016 PAGE | 6 available to Account Owner electronically prior to and following the purchase of any available mutual fundsDepositor. To the extent that Account Owner directs the Depositor has not directed other investments, the Custodian may maintain the cash as it may deem advisable or expedient (with no requirement to pay interest either on such cash balances or on cash on hand pending investment). All investment direction, investment management and investment advisory agreements provided by the IRA Depositor or beneficiary will continue until revoked by the IRA Depositor or beneficiary, even after the death of his the IRA Depositor or her beneficiary. The Custodian shall have no duty to bring any claim, suit or other action in connection withanyinvestmentintheCustodialAccount.TheDepositoragreesto indemnifyandholdtheCustodianharmlessfromandagainstallcostsandexpenses(includingattorney’sfees)incurredbytheCustodianin connection with any litigation, claim or other action involving any investment in the Custodial Account in mutual fundswhich the Custodian is named as a necessary party or at the request of the Depositor. The Depositor will not engage in transactions not permitted under the Agreement, balances invested including, but not limited to, investment in those mutual funds are subject to investment fees collectibles, except as otherwise permitted by section 408(m)(3), which provides an exception for certain gold, silver, and other charges platinum coins, coins issued under the laws of any state, and expenses as described by the applicable prospectuses. Some mutual funds may charge certain bullion, or life insurance contracts, or engage in a redemption fee. Redemption fees, if any, will be charged to the assets held in the HSA. Account Owner cannot reimburse his or her HSA for redemption fees. For further information on redemption fees, please see the mutual fund prospectusprohibited transaction under Code section 4975.

Investment Responsibilities. The Account Owner will control and manage All investment decisions are the investment sole responsibility of the Custodial Account except insofar as Depositor and the Account Owner delegates investment authority over part or all of Depositor is responsible to direct the Custodial Account assets to one or more investment managers Custodian in writing, or other Authorized Agents. Account Owner grants acceptable form and manner authorized by the Custodian, regarding how all amounts are to the Custodian all powers reasonably necessary to carry out its investment and other duties under this Agreement, and Account Owner agrees to furnish the Custodian with such information and Instructions as may be necessary to carry out the provisions of this Agreement and to enable the Custodian to fulfill all legal and regulatory reporting requirementsinvested. The investment options Custodian will determine the investments available within the Custodial Account Account. These investments will be permissible investments under the applicable laws and Regulations. The available Custodian may change its investment options may change from time to time and the Account Owner Depositor may move his or her monies in the Custodial Account to different investment options available under the Custodial Accountinvestments. Any investment changes within the Custodial Account are subject to the terms and conditions of the investments, including but not limited to minimum deposit requirements and early redemption penalties. Account Owner acknowledges that a wide array of The Custodian will not provide any investment options is made available for direction, suitability recommendations, tax advice, or any other investment guidance. Further, the Custodian has no duty to question the investment directions provided by the Depositor or any issues relating to the management of funds held in the HSACustodial Account. Account Owner understands The Depositor will indemnify and agrees that hold the Custodian is not providing any investment advice to Account Owner or any Authorized Agent harmless from and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing against all costs and administrative services or other “revenue sharing” expenses (including attorney's fees, including but not limited to so-called “12b-1” fees, to ) incurred by the Custodian in connection with an investment in such funds. No investment transaction for any litigation regarding the investments within the Custodial Account that is to be processed by where the Custodian at the direction of the Account Owner or an Authorized Agent will be processed until the Custodian receives the Instruction in proper form. Investment transactions will be processed either is named as soon as administratively practicable thereafter or, if later, on the scheduled date for processing. The Custodian may rely conclusively on all Instructions given by the Account Owner or Authorized Agent which the Custodian believes to be genuine. The Custodian’s records of a transaction will be conclusive as the content of any Instructions. Upon application by the Account Owner, on a form acceptable to the Custodian and upon approval by the Custodian, the Custodian will accept non-written Instructions from the Account Owner or Authorized Agent subject to immediate confirmation of such Instructions by email or in writing by the Authorized Agentnecessary party. The Custodian will have no responsibility to see that any promptly execute investment directions comply with instructions received from the law and Regulations applicable to an HSA. However, Depositor if the instructions are in a form and manner acceptable to the Custodian. If the Custodian receives any direction determines the instructions from the Account Owner Depositor are unclear or an Authorized Agent that appears to the Custodian in its sole judgment to be incomplete or unclearincomplete, the Custodian will not be required to act on such directions and may hold uninvested any asset without liability until proper directions request additional instructions. Until clear instructions are received from the Account Owner or the Authorized Agent. If investment directions are incomplete or unclearreceived, the Custodian will notify reserves the Account Owner right, in good faith, to leave the contribution uninvested, place the contribution in a holding account (e.g., a money market account), or return the Authorized Agent within a reasonable period of timecontribution to the Depositor. In the absence of proper investment directions, the The Custodian will not be liable for interest or market gains any investment losses due to such delays in receiving clear investment instructions. Further, the Depositor will indemnify and hold the Custodian harmless for any adverse consequences or losses incurred from the Custodian's actions or inactions relating to the investment directions received from the Depositor or Authorized Agent. The Custodian shall have no duty other than to follow the written investment directions of the Depositor, and shall be under no duty to question said instructions and shall not be liable for any investment losses sustained by the Depositor. To the extent the Depositor has not directed other investments, the Custodian may maintain the cash as it may deem advisable or expedient (with no requirement to pay interest neither on any such cash balances maintained nor on cash in its hands pending investment). All investment direction, investment management and investment advisory agreements provided by the IRA Depositor or beneficiary will continue until revoked by the IRA Depositor or beneficiary, even after the death of the IRA Depositor or beneficiary. The Custodian shall have no duty to bring any claim, suit or other action in connection with any investment in the Custodial Account. Any non-deposit investment product that Account Owner purchases using funds The Depositor agrees to indemnify and hold the Custodian harmless from and against all costs and expenses (including attorney‟s fees) incurred by the Custodian in his or her HSAconnection with any litigation, including mutual funds, stocks, and bonds, is not FDIC-insured, is not a deposit claim or other obligation action involving any investment in the Custodial Account in which the Custodian is named as a necessary party or at the request of the Custodian, is not guaranteed by FPS Trust or any of its affiliates, is not insured by any federal government agency, and is subject to investment risk, including the possible loss of the principal amount invested. Mutual Fund E-Consent: Account Owner consents to receive electronically the fact sheets, prospectuses, prospectus supplements, and shareholder reports for any of the available mutual funds in which Account Owner chooses to invest, and to read the prospectuses, including any supplements, and to agree to their terms before investing. Account Owner also consents to review trade confirmations online and in paper or electronic quarterly statementsDepositor. The fact sheetsDepositor will not engage in transactions not permitted under the Agreement, prospectusesincluding, prospectus supplementsbut not limited to, shareholder reports and account informationthe investment in collectibles or life insurance contracts, including trade confirmations, can be accessed through the HSA Administrator’s website or engage in hypertext markup language (HTML) and/or Adobe Acrobat Portable Document Format (PDF). Account Owner may access a document in HTML with appropriate browser software, such as Microsoft Internet Explorer or equivalent. To access a document in PDF, Account Owner must have installed Adobe Acrobat Reader on his or her computer, which may be obtained free of charge at xxx.xxxxx.xxx. Account Owner acknowledges and agrees that he or she has communications access to the Internet and is able to access documents in HTML and PDF without additional hardware and software. Account Owner understands that these documents can be printed if Account Owner has access to a printer, using the button on the browser. Account Owner further understands that electronic delivery is provided free of charge, although other online service provider charges may apply, and that Account Owner may request paper copies of these documents by calling the HSA Administrator. Account Owner acknowledges and agrees that a prospectus has been made Rev. 05/2016 PAGE | 6 available to Account Owner electronically prior to and following the purchase of any available mutual funds. To the extent that Account Owner directs investment of his or her Account in mutual funds, balances invested in those mutual funds are subject to investment fees and other charges and expenses as described by the applicable prospectuses. Some mutual funds may charge a redemption fee. Redemption fees, if any, will be charged to the assets held in the HSA. Account Owner cannot reimburse his or her HSA for redemption fees. For further information on redemption fees, please see the mutual fund prospectusprohibited transaction under Code section 4975.

Investment Responsibilities. The Account Owner will control and manage All investment decisions are the investment sole responsibility of the Custodial Account except insofar as Depositor and the Account Owner delegates investment authority over part or all of Depositor is responsible for directing the Custodial Account assets to one or more investment managers Custodian in writing, or other Authorized Agents. Account Owner grants acceptable form and manner authorized by the Custodian, regarding how all amounts are to the Custodian all powers reasonably necessary to carry out its investment and other duties under this Agreement, and Account Owner agrees to furnish the Custodian with such information and Instructions as may be necessary to carry out the provisions of this Agreement and to enable the Custodian to fulfill all legal and regulatory reporting requirementsinvested. The investment options Custodian will determine the investments available within the Custodial Account Account. These investments will be permissible investments under the applicable laws and Regulations. The available Custodian may change its investment options may change from time to time and the Account Owner Depositor may move his or her monies in the Custodial Account to different investment options available under the Custodial Accountinvestments. Any investment changes within the Custodial Account are subject to the terms and conditions of the investments, including but not limited to minimum deposit requirements and early redemption penalties. Account Owner acknowledges that a wide array of The Custodian will not provide any investment options is made available for direction, suitability recommendations, tax advice, or any other investment guidance. Further, the Custodian has no duty to question the investment directions provided by the Depositor or any issues relating to the management of funds held in the HSACustodial Account. Account Owner understands The Depositor will indemnify and agrees that hold the Custodian is not providing any investment advice to Account Owner or any Authorized Agent harmless from and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing against all costs and administrative services or other “revenue sharing” expenses (including attorney's fees, including but not limited to so-called “12b-1” fees, to ) incurred by the Custodian in connection with an investment in such funds. No investment transaction for any litigation regarding the investments within the Custodial Account that is to be processed by where the Custodian at the direction of the Account Owner or an Authorized Agent will be processed until the Custodian receives the Instruction in proper form. Investment transactions will be processed either is named as soon as administratively practicable thereafter or, if later, on the scheduled date for processing. The Custodian may rely conclusively on all Instructions given by the Account Owner or Authorized Agent which the Custodian believes to be genuine. The Custodian’s records of a transaction will be conclusive as the content of any Instructions. Upon application by the Account Owner, on a form acceptable to the Custodian and upon approval by the Custodian, the Custodian will accept non-written Instructions from the Account Owner or Authorized Agent subject to immediate confirmation of such Instructions by email or in writing by the Authorized Agentnecessary party. The Custodian will have no responsibility to see that any promptly execute investment directions comply with instructions received from the law and Regulations applicable to an HSA. However, Depositor if the instructions are in a form and manner acceptable to the Custodian. If the Custodian receives any direction determines the instructions from the Account Owner Depositor are unclear or an Authorized Agent that appears to the Custodian in its sole judgment to be incomplete or unclearincomplete, the Custodian will not be required to act on such directions and may hold uninvested any asset without liability until proper directions request additional instructions. Until clear instructions are received from the Account Owner or the Authorized Agent. If investment directions are incomplete or unclearreceived, the Custodian will notify reserves the Account Owner right, in good faith, to leave the contribution uninvested, place the contribution in a holding account (e.g., a money market account), or return the Authorized Agent within a reasonable period of timecontribution to the Depositor. In the absence of proper investment directions, the The Custodian will not be liable for interest or market gains any investment losses due to such delays in receiving clear investment instructions. Further, the Depositor will indemnify and hold the Custodian harmless for any adverse consequences or losses incurred from the Custodian's actions or inactions relating to the investment directions received from the Depositor or Authorized Agent. The Custodian shall have no duty other than to follow the written investment directions of the Depositor, and shall be under no duty to question said instructions and shall not be liable for any investment losses sustained by the Depositor. To the extent the Depositor has not directed other investments, the Custodian may maintain the cash as it may deem advisable or expedient (with no requirement to pay interest either on any such cash balances maintained or on cash on hand pending investment). All investment direction, investment management and investment advisory agreements provided by the IRA Depositor or beneficiary will continue until revoked by the IRA Depositor or beneficiary, even after the death of the IRA Depositor or beneficiary. The Custodian shall have no duty to bring any claim, suit or other action in connection with any investment in the Custodial Account. Any non-deposit The Depositor agrees to indemnify and hold the Custodian harmless from and against all costs and expenses (including attorney’s fees) incurred by the Custodian in connection with any litigation, claim or other action involving any investment product that in the Custodial Account Owner purchases using funds in his which the Custodian is named as a necessary party or her HSAat the request of the Depositor. The Depositor will not engage in transactions not permitted under the Agreement, including mutual fundsincluding, stocksbut not limited to, investment in collectibles, except as otherwise permitted by section 408(m)(3), which provides an exception for certain gold, silver, and bondsplatinum coins, is not FDIC-insured, is not a deposit or other obligation coins issued under the laws of the Custodian, is not guaranteed by FPS Trust or any of its affiliates, is not insured by any federal government agencystate, and is subject to investment riskcertain bullion, including the possible loss of the principal amount invested. Mutual Fund E-Consent: Account Owner consents to receive electronically the fact sheetsor life insurance contracts, prospectuses, prospectus supplements, and shareholder reports for any of the available mutual funds or engage in which Account Owner chooses to invest, and to read the prospectuses, including any supplements, and to agree to their terms before investing. Account Owner also consents to review trade confirmations online and in paper or electronic quarterly statements. The fact sheets, prospectuses, prospectus supplements, shareholder reports and account information, including trade confirmations, can be accessed through the HSA Administrator’s website in hypertext markup language (HTML) and/or Adobe Acrobat Portable Document Format (PDF). Account Owner may access a document in HTML with appropriate browser software, such as Microsoft Internet Explorer or equivalent. To access a document in PDF, Account Owner must have installed Adobe Acrobat Reader on his or her computer, which may be obtained free of charge at xxx.xxxxx.xxx. Account Owner acknowledges and agrees that he or she has communications access to the Internet and is able to access documents in HTML and PDF without additional hardware and software. Account Owner understands that these documents can be printed if Account Owner has access to a printer, using the button on the browser. Account Owner further understands that electronic delivery is provided free of charge, although other online service provider charges may apply, and that Account Owner may request paper copies of these documents by calling the HSA Administrator. Account Owner acknowledges and agrees that a prospectus has been made Rev. 05/2016 PAGE | 6 available to Account Owner electronically prior to and following the purchase of any available mutual funds. To the extent that Account Owner directs investment of his or her Account in mutual funds, balances invested in those mutual funds are subject to investment fees and other charges and expenses as described by the applicable prospectuses. Some mutual funds may charge a redemption fee. Redemption fees, if any, will be charged to the assets held in the HSA. Account Owner cannot reimburse his or her HSA for redemption fees. For further information on redemption fees, please see the mutual fund prospectusprohibited transaction under Code section 4975.

Investment Responsibilities. The Account Owner will control and manage All investment decisions are the investment sole responsibility of the Custodial Account except insofar as Depositor and the Account Owner delegates investment authority over part or all of Depositor is responsible for directing the Custodial Account assets to one or more investment managers Custodian in writing, or other Authorized Agents. Account Owner grants acceptable form and manner authorized by the Custodian, regarding how all amounts are to the Custodian all powers reasonably necessary to carry out its investment and other duties under this Agreement, and Account Owner agrees to furnish the Custodian with such information and Instructions as may be necessary to carry out the provisions of this Agreement and to enable the Custodian to fulfill all legal and regulatory reporting requirementsinvested. The investment options Custodian will determine the investments available within the Custodial Account Account. These investments will be permissible investments under the applicable laws and Regulations. The available Custodian may change its investment options may change from time to time and the Account Owner Depositor may move his or her monies in the Custodial Account to different investment options available under the Custodial Accountinvestments. Any investment changes within the Custodial Account are subject to the terms and conditions of the investments, including but not limited to minimum deposit requirements and early redemption penalties. Account Owner acknowledges that a wide array of The Custodian will not provide any investment options is made available for direction, suitability recommendations, tax advice, or any other investment guidance. Further, the Custodian has no duty to question the investment directions provided by the Depositor or any issues relating to the management of funds held in the HSACustodial Account. Account Owner understands The Depositor will indemnify and agrees that hold the Custodian is not providing any investment advice to Account Owner or any Authorized Agent harmless from and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing against all costs and administrative services or other “revenue sharing” expenses (including attorney's fees, including but not limited to so-called “12b-1” fees, to ) incurred by the Custodian in connection with an investment in such funds. No investment transaction for any litigation regarding the investments within the Custodial Account that is to be processed by where the Custodian at the direction of the Account Owner or an Authorized Agent will be processed until the Custodian receives the Instruction in proper form. Investment transactions will be processed either is named as soon as administratively practicable thereafter or, if later, on the scheduled date for processing. The Custodian may rely conclusively on all Instructions given by the Account Owner or Authorized Agent which the Custodian believes to be genuine. The Custodian’s records of a transaction will be conclusive as the content of any Instructions. Upon application by the Account Owner, on a form acceptable to the Custodian and upon approval by the Custodian, the Custodian will accept non-written Instructions from the Account Owner or Authorized Agent subject to immediate confirmation of such Instructions by email or in writing by the Authorized Agentnecessary party. The Custodian will have no responsibility to see that any promptly execute investment directions comply with instructions received from the law and Regulations applicable to an HSA. However, Depositor if the instructions are in a form and manner acceptable to the Custodian. If the Custodian receives any direction determines the instructions from the Account Owner Depositor are unclear or an Authorized Agent that appears to the Custodian in its sole judgment to be incomplete or unclearincomplete, the Custodian will not be required to act on such directions and may hold uninvested any asset without liability until proper directions request additional instructions. Until clear instructions are received from the Account Owner or the Authorized Agent. If investment directions are incomplete or unclearreceived, the Custodian will notify reserves the Account Owner right, in good faith, to leave the contribution uninvested, place the contribution in a holding account (e.g., a money market account), or return the Authorized Agent within a reasonable period of timecontribution to the Depositor. In the absence of proper investment directions, the The Custodian will not be liable for interest or market gains any investment losses due to such delays in receiving clear investment instructions. Further, the Depositor will indemnify and hold the Custodian harmless for any adverse consequences or losses incurred from the Custodian's actions or inactions relating to the investment directions received from the Depositor or Authorized Agent. The Custodian shall have no duty other than to follow the written investment directions of the Depositor, and shall be under no duty to question said instructions and shall not be liable for any investment losses sustained by the Depositor. To the extent the Depositor has not directed other investments, the Custodian may maintain the cash as it may deem advisable or expedient (with no requirement to pay interest either on any such cash balances maintained or on cash [on hand] [in its hands] pending investment). All investment direction, investment management and investment advisory agreements provided by the IRA Depositor or beneficiary will continue until revoked by the IRA Depositor or beneficiary, even after the death of the IRA Depositor or beneficiary. The Custodian shall have no duty to bring any claim, suit or other action in connection with any investment in the Custodial Account. Any non-deposit The Depositor agrees to indemnify and hold the Custodian harmless from and against all costs and expenses (including attorney’s fees) incurred by the Custodian in connection with any litigation, claim or other action involving any investment product that in the Custodial Account Owner purchases using funds in his which the Custodian is named as a necessary party or her HSAat the request of the Depositor. The Depositor will not engage in transactions not permitted under the Agreement, including mutual fundsincluding, stocksbut not limited to, investment in collectibles, except as otherwise permitted by section 408(m)(3), which provides an exception for certain gold, silver, and bondsplatinum coins, is not FDIC-insured, is not a deposit or other obligation coins issued under the laws of the Custodian, is not guaranteed by FPS Trust or any of its affiliates, is not insured by any federal government agencystate, and is subject to investment riskcertain bullion, including the possible loss of the principal amount invested. Mutual Fund E-Consent: Account Owner consents to receive electronically the fact sheetsor life insurance contracts, prospectuses, prospectus supplements, and shareholder reports for any of the available mutual funds or engage in which Account Owner chooses to invest, and to read the prospectuses, including any supplements, and to agree to their terms before investing. Account Owner also consents to review trade confirmations online and in paper or electronic quarterly statements. The fact sheets, prospectuses, prospectus supplements, shareholder reports and account information, including trade confirmations, can be accessed through the HSA Administrator’s website in hypertext markup language (HTML) and/or Adobe Acrobat Portable Document Format (PDF). Account Owner may access a document in HTML with appropriate browser software, such as Microsoft Internet Explorer or equivalent. To access a document in PDF, Account Owner must have installed Adobe Acrobat Reader on his or her computer, which may be obtained free of charge at xxx.xxxxx.xxx. Account Owner acknowledges and agrees that he or she has communications access to the Internet and is able to access documents in HTML and PDF without additional hardware and software. Account Owner understands that these documents can be printed if Account Owner has access to a printer, using the button on the browser. Account Owner further understands that electronic delivery is provided free of charge, although other online service provider charges may apply, and that Account Owner may request paper copies of these documents by calling the HSA Administrator. Account Owner acknowledges and agrees that a prospectus has been made Rev. 05/2016 PAGE | 6 available to Account Owner electronically prior to and following the purchase of any available mutual funds. To the extent that Account Owner directs investment of his or her Account in mutual funds, balances invested in those mutual funds are subject to investment fees and other charges and expenses as described by the applicable prospectuses. Some mutual funds may charge a redemption fee. Redemption fees, if any, will be charged to the assets held in the HSA. Account Owner cannot reimburse his or her HSA for redemption fees. For further information on redemption fees, please see the mutual fund prospectusprohibited transaction under Code section 4975.