Common use of Separate Fees Clause in Contracts

Separate Fees. FPT or FMTC will serve as trustee of an Irrevocable Life Insurance Trust for a client who also has a Managed Trust or Investment Management Account already established with Fidelity Private Portfolio Service. This is a separate fee that applies when the Life Insurance Trust holds a life insurance policy as a trust asset. For this service, there is a one-time setup fee of $1,000 and an annual fee of $500. The annual fee includes payment of life insurance premiums and mailing of beneficiary notification letters when required under the trust instrument for two policies. For each additional policy, a fee of $250 will apply. Any actively managed assets in the trust in addition to a life insurance policy, including any insurance proceeds upon the death of the insured, will be subject to the Fidelity Private Portfolio Service fee schedule. • Fees charged by co-trustees are in addition to those listed in the schedules above and are paid separately from trust assets. • For irrevocable trusts for which FPT or FMTC is serving as trustee, fiduciary income tax return preparation is provided for a fee. This fee is charged directly to the Account. • There are no current fees charged when you name FPT or FMTC as successor trustee to serve at some time in the future. Fees will be charged only when FPT begins to serve as trustee. • The first three xxxx payments per month are free of charge. Quotes for additional bills will be furnished upon request. • Fees for additional services will be determined upon request and assessed upon delivery of the services. Fidelity Portfolio Advisory Service® is a service of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. Fidelity Private Portfolio Service® may be offered through the following Fidelity Investments companies: Strategic Advisers, Inc., a registered investment adviser; Fidelity Personal Trust Company, FSB (FPT), a federal savings bank; or Fidelity Management Trust Com- pany (FMTC). Nondeposit investment products and trust services offered through FPT and FMTC and their affiliates are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency, are not obligations of any bank, and are subject to risk including possible loss of principal. These services provide discretionary money management for a fee. Strategic Advisers, Inc. (SAI), applies tax-sensitive investment management techniques in PPS and PTS (including “tax-loss harvesting”) on a limited basis, at its discretion, primarily with respect to determining when assets in a client’s Account should be bought or sold. As a discretionary investment manager, SAI may elect to sell assets in an Account at any time. A client may have a gain or loss when assets are sold. SAI does not currently invest in tax-deferred products, such as variable insurance products, or tax-managed funds in PPS and PTS but may do so in the future if it deems such to be appropriate for a client. SAI does not actively manage for alternative minimum taxes; state or local taxes; foreign taxes on non-U.S. investments; or estate, gift, or generation-skipping transfer taxes. SAI relies on information provided by clients in an effort to provide tax-sensitive investment management, and does not offer tax advice. SAI can make no guarantees as to the effectiveness of the tax-sensitive investment management techniques applied in serving to reduce or minimize a client’s overall tax liabilities or as to the tax results that may be generated by a given transaction. Except where FPT is serving as trustee, PPS and PTS clients are responsible for all tax liabilities arising from transactions in their Accounts, for the adequacy and accuracy of any positions taken on tax returns, for the actual filing of tax returns, and for the remittance of tax payments to taxing authorities. Brokerage services provided by Fidelity Brokerage Services LLC, 000 Xxxxxxx Xxx, Xxxxxxxxxxx, XX 00000, a Fidelity Investments company and a Member of NYSE and SIPC. Custody and other services provided by National Financial Services LLC, a Fidelity Investments company and a Member of NYSE and SIPC. 418880.8.0 PAS-CLIAGL-0110

Separate Fees. FPT or FMTC will serve as trustee of an Irrevocable Life Insurance Trust for a client who also has a Managed Trust or Investment Management Account already established with Fidelity Private Portfolio Service. This is a separate fee that applies when the Life Insurance Trust holds a life insurance policy as a trust asset. For this service, there is a one-time setup fee of $1,000 and an annual fee of $500. The annual fee includes payment of life insurance premiums and mailing of beneficiary notification letters when required under the trust instrument for two policies. For each additional policy, a fee of $250 will apply. Any actively managed assets in the trust in addition to a life insurance policy, including any insurance proceeds upon the death of the insured, will be subject to the Fidelity Private Portfolio Service fee schedule. • Fees charged by co-trustees are in addition to those listed in the schedules above and are paid separately from trust assets. • For irrevocable trusts for which FPT or FMTC is serving as trustee, fiduciary income tax return preparation is provided for a fee. This fee is charged directly to the Account. • There are no current fees charged when you name FPT or FMTC as successor trustee to serve at some time in the future. Fees will be charged only when FPT begins to serve as trustee. • The first three xxxx bill payments per month are free of charge. Quotes for additional bills will be furnished upon request. • Fees for additional services will be determined upon request and assessed upon delivery of the services. Fidelity Portfolio Advisory Service® is a service of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. Fidelity Private Portfolio Service® may be offered through the following Fidelity Investments companies: Strategic Advisers, Inc., a registered investment adviser; Fidelity Personal Trust Company, FSB (FPT), a federal savings bank; or Fidelity Management Trust Com- pany (FMTC). Nondeposit investment products and trust services offered through FPT and FMTC and their affiliates are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency, are not obligations of any bank, and are subject to risk including possible loss of principal. These services provide discretionary money management for a fee. Strategic Advisers, Inc. (SAI), applies tax-sensitive investment management techniques in PPS and PTS (including “tax-loss harvesting”) on a limited basis, at its discretion, primarily with respect to determining when assets in a client’s Account should be bought or sold. As a discretionary investment manager, SAI may elect to sell assets in an Account at any time. A client may have a gain or loss when assets are sold. SAI does not currently invest in tax-deferred products, such as variable insurance products, or tax-managed funds in PPS and PTS but may do so in the future if it deems such to be appropriate for a client. SAI does not actively manage for alternative minimum taxes; state or local taxes; foreign taxes on non-U.S. investments; or estate, gift, or generation-skipping transfer taxes. SAI XXX relies on information provided by clients in an effort to provide tax-sensitive investment management, and does not offer tax advice. SAI can make no guarantees as to the effectiveness of the tax-sensitive investment management techniques applied in serving to reduce or minimize a client’s overall tax liabilities or as to the tax results that may be generated by a given transaction. Except where FPT is serving as trustee, PPS and PTS clients are responsible for all tax liabilities arising from transactions in their Accounts, for the adequacy and accuracy of any positions taken on tax returns, for the actual filing of tax returns, and for the remittance of tax payments to taxing authorities. Brokerage services provided by Fidelity Brokerage Services LLC, 000 Xxxxxxx Xxx, Xxxxxxxxxxx, XX 00000, a Fidelity Investments company and a Member of NYSE and SIPC. Custody and other services provided by National Financial Services LLC, a Fidelity Investments company and a Member of NYSE and SIPC. 418880.8.0 PAS-CLIAGL-0110

Separate Fees. FPT or FMTC will serve as trustee of an Irrevocable Life Insurance Trust for a client who also has a Managed Trust or Investment Management Account already established with Fidelity Private Portfolio Service. This There is a separate fee that applies when the Life Insurance Trust holds a life insurance policy as a trust asset. For this service, there is a one-time setup fee of $1,000 and an annual fee of $500. The Service’s annual fee includes covers the payment of life insurance premiums and mailing of beneficiary notification notifica- tion letters when required under the trust instrument for two policies. For each additional policy, a fee of $250 will apply. Any actively managed assets in the trust in addition to a life insurance policy, including any insurance proceeds upon the death of the insured, will be subject to the Fidelity Private Portfolio Service fee schedule. • Fees charged by co-trustees are in addition to those listed in the schedules above and are paid separately from trust assets. • For irrevocable trusts for which where FPT or FMTC is serving as trustee, fiduciary income tax return preparation is provided for a fee. This fee is charged directly to the PPS Account. 4Underlying mutual fund expenses that you bear as a shareholder in each mutual fund still apply. *Average daily assets of Portfolio Advisory Services accounts are determined on the last business day of the quarter. Certain Portfolio Advisory Services account balances may be aggregated with certain other Portfolio Advisory Services account balances in order to arrive at the reduced fee rates applicable to various marginal balances. Contact your Portfolio Advisory Services representative for details of the account aggregation policy. • There are no current fees charged when you name FPT or FMTC as successor trustee to serve at some time in the future. Fees will be charged only when FPT or FMTC begins to serve as trustee. • The first three xxxx bill payments per month are free of charge. Quotes Quote for additional bills will be furnished upon request. • Fees for additional services will be determined upon request and assessed upon delivery of the services. Fidelity Portfolio Advisory Service® is a service of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. Fidelity Private Portfolio Service® may be offered through the following Fidelity Investments companies: Strategic Advisers, Inc., a registered investment adviser; Fidelity Personal Trust Company, FSB (FPT), a federal savings bank; or Fidelity Management Trust Com- pany (FMTC). Nondeposit investment products and trust services offered through FPT and FMTC and their affiliates are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency, are not obligations of any bank, and are subject to risk including possible loss of principal. These services provide discretionary money management for a fee. Strategic Advisers, Inc. (SAI), applies tax-sensitive investment management techniques in PPS and PTS (including “tax-loss harvesting”) on a limited basis, at its discretion, primarily with respect to determining when assets in a client’s Account should be bought or sold. As a discretionary investment manager, SAI may elect to sell assets in an Account at any time. A client may have a gain or loss when assets are sold. SAI does not currently invest in tax-deferred products, such as variable insurance products, or tax-managed funds in PPS and PTS but may do so in the future if it deems such to be appropriate for a client. SAI does not actively manage for alternative minimum taxes; state or local taxes; foreign taxes on non-U.S. investments; or estate, gift, or generation-skipping transfer taxes. SAI relies on information provided by clients in an effort to provide tax-sensitive investment management, and does not offer tax advice. SAI can make no guarantees as to the effectiveness of the tax-sensitive investment management techniques applied in serving to reduce or minimize a client’s overall tax liabilities or as to the tax results that may be generated by a given transaction. Except where FPT is serving as trustee, PPS and PTS clients are responsible for all tax liabilities arising from transactions in their Accounts, for the adequacy and accuracy of any positions taken on tax returns, for the actual filing of tax returns, and for the remittance of tax payments to taxing authorities. Brokerage services provided by Fidelity Brokerage Services LLC, 000 Xxxxxxx Xxx, Xxxxxxxxxxx, XX 00000, a Fidelity Investments company and a Member of NYSE and SIPC. Custody and other services provided by National Financial Services LLC, a Fidelity Investments company and a Member of NYSE and SIPC. 418880.8.0 PAS-CLIAGL-0110.

Separate Fees. FPT or FMTC will serve as trustee of an Irrevocable Life Insurance Trust for a client who also has a Managed Trust or Investment Management Account already established with Fidelity Private Portfolio Service. This is a separate fee that applies when the Life Insurance Trust holds a life insurance policy as a trust asset. For this service, there is a one-time setup fee of $1,000 and an annual fee of $500. The annual fee includes payment of life insurance premiums and mailing of beneficiary notification letters when required under the trust instrument for two policies. For each additional policy, a fee of $250 will apply. Any actively managed assets in the trust in addition to a life insurance policy, including any insurance proceeds upon the death of the insured, will be subject to the Fidelity Private Portfolio Service fee schedule. • Fees charged by co-trustees are in addition to those listed in the schedules above and are paid separately from trust assets. • For irrevocable trusts for which FPT or FMTC is serving as trustee, fiduciary income tax return preparation is provided for a fee. This fee is charged directly to the Account. • There are no current fees charged when you name FPT or FMTC as successor trustee to serve at some time in the future. Fees will be charged only when FPT begins to serve as trustee. • The first three xxxx bill payments per month are free of charge. Quotes for additional bills will be furnished upon request. • Fees for additional services will be determined upon request and assessed upon delivery of the services. Fidelity Portfolio Advisory Service® is a service of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. Fidelity Private Portfolio Service® may be offered through the following Fidelity Investments companies: Strategic Advisers, Inc., a registered investment adviser; Fidelity Personal Trust Company, FSB (FPT), a federal savings bank; or Fidelity Management Trust Com- pany (FMTC). Nondeposit investment products and trust services offered through FPT and FMTC and their affiliates are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency, are not obligations of any bank, and are subject to risk including possible loss of principal. These services provide discretionary money management for a fee. Strategic Advisers, Inc. (SAI), applies tax-sensitive investment management techniques in PPS and PTS (including “tax-loss harvesting”) on a limited basis, at its discretion, primarily with respect to determining when assets in a client’s Account should be bought or sold. As a discretionary investment manager, SAI may elect to sell assets in an Account at any time. A client may have a gain or loss when assets are sold. SAI does not currently invest in tax-deferred products, such as variable insurance products, or tax-managed funds in PPS and PTS but may do so in the future if it deems such to be appropriate for a client. SAI does not actively manage for alternative minimum taxes; state or local taxes; foreign taxes on non-U.S. investments; or estate, gift, or generation-skipping transfer taxes. SAI relies on information provided by clients in an effort to provide tax-sensitive investment management, and does not offer tax advice. SAI can make no guarantees as to the effectiveness of the tax-sensitive investment management techniques applied in serving to reduce or minimize a client’s overall tax liabilities or as to the tax results that may be generated by a given transaction. Except where FPT is serving as trustee, PPS and PTS clients are responsible for all tax liabilities arising from transactions in their Accounts, for the adequacy and accuracy of any positions taken on tax returns, for the actual filing of tax returns, and for the remittance of tax payments to taxing authorities. Brokerage services provided by Fidelity Brokerage Services LLC, 000 Xxxxxxx Xxx, Xxxxxxxxxxx, XX 00000, a Fidelity Investments company and a Member of NYSE and SIPC. Custody and other services provided by National Financial Services LLC, a Fidelity Investments company and a Member of NYSE and SIPC. 418880.8.0 418880.7.0 PAS-CLIAGL-0110CLIAGL-1009

Separate Fees. FPT or FMTC will serve as trustee of an Irrevocable Life Insurance Trust for a client who also has a Managed Trust or Investment Management Account already established with Fidelity Private Portfolio Service. This is a separate fee that applies when the Life Insurance Trust holds a life insurance policy as a trust asset. For this service, there is a one-time setup fee of $1,000 and an annual fee of $500. The annual fee includes payment of life insurance premiums and mailing of beneficiary notification letters when required under the trust instrument for two policies. For each additional policy, a fee of $250 will apply. Any actively managed assets in the trust in addition to a life insurance policy, including any insurance proceeds upon the death of the insured, will be subject to the Fidelity Private Portfolio Service fee schedule. • Fees charged by co-trustees are in addition to those listed in the schedules above and are paid separately from trust assets. • For irrevocable trusts for which FPT or FMTC is serving as trustee, fiduciary income tax return preparation is provided for a fee. This fee is charged directly to the Account. • There are no current fees charged when you name FPT or FMTC as successor trustee to serve at some time in the future. Fees will be charged only when FPT begins to serve as trustee. • The first three xxxx payments per month are free of charge. Quotes for additional bills will be furnished upon request. • Fees for additional services will be determined upon request and assessed upon delivery of the services. Fidelity Portfolio Advisory Service® is a service of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. Fidelity Private Portfolio Service® may be offered through the following Fidelity Investments companies: Strategic Advisers, Inc., a registered investment adviser; Fidelity Personal Trust Company, FSB (FPT), a federal savings bank; or Fidelity Management Trust Com- pany (FMTC). Nondeposit investment products and trust services offered through FPT and FMTC and their affiliates are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency, are not obligations of any bank, and are subject to risk including possible loss of principal. These services provide discretionary money management for a fee. Strategic Advisers, Inc. (SAI), applies tax-sensitive investment management techniques in PPS and PTS (including “tax-loss harvesting”) on a limited basis, at its discretion, primarily with respect to determining when assets in a client’s Account should be bought or sold. As a discretionary investment manager, SAI may elect to sell assets in an Account at any time. A client may have a gain or loss when assets are sold. SAI does not currently invest in tax-deferred products, such as variable insurance products, or tax-managed funds in PPS and PTS but may do so in the future if it deems such to be appropriate for a client. SAI does not actively manage for alternative minimum taxes; state or local taxes; foreign taxes on non-U.S. investments; or estate, gift, or generation-skipping transfer taxes. SAI relies on information provided by clients in an effort to provide tax-sensitive investment management, and does not offer tax advice. SAI can make no guarantees as to the effectiveness of the tax-sensitive investment management techniques applied in serving to reduce or minimize a client’s overall tax liabilities or as to the tax results that may be generated by a given transaction. Except where FPT is serving as trustee, PPS and PTS clients are responsible for all tax liabilities arising from transactions in their Accounts, for the adequacy and accuracy of any positions taken on tax returns, for the actual filing of tax returns, and for the remittance of tax payments to taxing authorities. Brokerage services provided by Fidelity Brokerage Services LLC, 000 Xxxxxxx Xxx, Xxxxxxxxxxx, XX 00000, a Fidelity Investments company and a Member of NYSE and SIPC. Custody and other services provided by National Financial Services LLC, a Fidelity Investments company and a Member of NYSE and SIPC. 418880.8.0 418880.7.0 PAS-CLIAGL-0110CLIAGL-1009