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.) any IRA established as a Managed account or 3.) any IRA established as an Advisory Choice account (as long as they meet the minimum fee requirements).
2. The $40 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 in the Cash Management Program and eBill Management services 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 rate of interest charged on outstanding net debit balances is equal to the “Base Rate” (as defined below) plus or minus a “Specified Percentage” (as defined below). The “Base Rate” will be determined by Baird by reference to a number of factors, which may include commonly recognized interest rates (such as the broker call rate, the prime rate, the Federal funds rate and/or LIBOR), Baird’s cost of capital, industry conditions relating to extension of margin credit, and general market and competitive considerations. Baird may change the Base Rate at any time. The current Base Rate is posted on Baird’s website at www.rwbaird.com/loanrates. The “Specified Percentage” applied to adjust the Base Rate to determine the rate of interest is based on the outstanding net debit balance. This rate is subject to change without notice.
5. Baird charges a $100 annual account service fee for select accounts in statement households with less than $100,000 in total assets (Baird & networked) as of the cutoff date, which is 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 Cash Management Standard 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) and accounts within households which opt for electronic delivery of client statements and trade confirmations. For information regarding Baird’s account fees and service charges, please visit our website at www.rwbaird.com or contact your Financial Advisor. Baird reserves the right to change a fee upon notice and may, in its sole discretion, waive fees based upon a variety of factors. Other fees may apply.
6. If more than four beneficiaries, $25.00 for each additional beneficiary (to open a TOD account).
7. DTC and Agent Fees represent an additional $265. Effective July 1, 2009, DTC and Agent Fees will increase to $500.
8. The physical exchange of one certificate for another as part of a reorganization activity. Applies to customer name certificates only.
9. 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.