Schedule of Fees and Service Charges

1. Annual IRA Fees are waived for: 1.) all IRAs in statement households having greater than $250,000 in total assets (Baird & networked), 2.) the first IRA in statement households having between $100,000 and $250,000 in total assets (Baird & networked), 3.) the first IRA in statement households paying the VIP Gold annual fee, 4.) any IRA established as a Managed account or 5.) any IRA established as a Fee in Lieu account (as long as they meet the minimum fee requirements).
2. The $30 annual fee for each additional Traditional or Roth IRA will be waived for statement households having between $100,000 and $250,000 in total assets (Baird & networked) provided the account is “fully funded” by December 31 each year ($4,000 in 2005-2007, $5,000 in 2008).
3. Statement households maintaining a minimum of $250,000 in total assets (Baird & networked) qualify to enroll one account in the VIP Gold and E-Bill Management service packages at no charge.
4. In the event sufficient funds or securities are not received for a trade by Settlement Date or funds are requested prior to Settlement Date of a liquidation, Baird reserves the right to charge interest to the Account in accordance with Baird’s established custom. Interest charges will accrue from Settlement Date for the transaction until full and final payment is made or from the day funds are paid out of the account until Settlement Date of the liquidation. The account will be charged at a rate equal to the broker’s call rate (as published in the Midwest Edition of the Wall Street Journal) +2. This rate is subject to change without notice.
5. Applies to select accounts in statement households with less than $100,000 in total assets (Baird & networked) as of the last business day of November. Each eligible account within these households will be charged the annual account service fee in December. Accounts outside of statement households will be considered independent households for the assessment of the fee, subject to the $100,000 minimum in total assets. Account types exempt from the annual account service fee include: Individual Retirement Accounts, Coverdell Education Savings Accounts, 529 College Savings Plans, Health Savings Accounts, Uniform Transfer to Minor Act and Uniform Gift to Minor Act (UTMA/UGMA) accounts, Delivery Versus Payment (DVP) accounts, charitable accounts, Employee Stock Option and Stock Purchase Plan accounts that are part of a negotiated corporate relationship, accounts paying the annual VIP Gold fee, accounts that are part of households which were opened before June 1st of the immediately prior year, accounts that are part of a statement household that paid an average of $150 or more in commission per account over the 18 months immediately prior to the cutoff date, accounts holding only networked annuities, accounts that maintain margin balances, zero balance accounts (within fee eligible households), Baird Associate accounts and accounts within households which opt for electronic delivery of client statements and trade confirmations.
6. If more than four beneficiaries, $25.00 for each additional beneficiary (to open a TOD account)
7. The physical exchange of one certificate for another as part of a reorganization activity. Applies to customer name certificates only.
8. The closing fee is waived for Coverdell Education Savings Accounts that are closed as a result of the assets having been withdrawn according to the account’s intended purpose.