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Page 3 of 64. Add a Trusted Contact Person (Optional) (Continued)Person 1 (Continued)Please provide at least one method of contact for each Trusted Contact listed.Mailing Address (No P.O. Boxes)CityState or ProvinceCountryPostal or Zip CodeHome PhoneMobile PhoneEmail AddressPerson 2If you have no changes to your existing Trusted Contact, please skip this section.Name (Title, First)(Middle Name)(Last Name, Suffix)Relationship (Please select only ase provide at least one method of contact for each Trusted Contact listed.Mailing Address (No P.O. Boxes)CityState or ProvinceCountryPostal or Zip CodeHome PhoneMobile PhoneEmail Address5. AgreementBy signing this form, you (“Participant”) andCharles Schwab & Co., Inc. (“Schwab”) agreethat the authority conferred on Participant bythe Plan Sponsor, Plan Trustees (“Trustees”) orthe Recordkeeper for the Plan, as the case maybe, in accordance with the Schwab PersonalChoice Retirement Account (PCRA) LimitedPower of Attorney (LPOA) Form for a Participant,shall be exercised according to the followingterms and conditions. If you are the beneficiaryof a deceased Participant, you will be considered the “Participant” for purposes of this form.Worthless and Non-Transferable Securities.Schwab reserves the right to remove from yourAccount any security that is deemed to havebeen cancelled or otherwise invalidated. Indetermining that a security has been cancelledor invalidated, you agree that we have derivedinformation on such assets from you or fromthird parties and we are not responsible for theaccuracy or reliability of any informationregarding these assets. Cancelled or invalidsecurities may include, but are not limited to,bankruptcy or charter or registration revocation.Schwab will notify you if it has removed acancelled or otherwise invalid security from yourAccount. Unless you provide Schwab withevidence of the validity of the security withinsixty (60) days of the notice of removal, youagree to waive any claim to any future distribution from the security and agree to indemnifyand hold Schwab harmless from any claims,liability, or damages resulting from the removalof such security. If you provide Schwab withevidence of the validity of the security from anindependent third party within 60 days ofreceiving the notice of removal, Schwab willreinstate your position.In addition, Schwab reserves the right to chargean additional servicing fee for securities forwhich Schwab cannot identify a transfer agent (a“Non-Transferable Security”). The existence of aNon-Transferable Security in your Account maybe noted with a notation of “N/A” for the valueof that position on your account statements.Unclaimed Property. To the extent applicable toyour account, the unclaimed property lawrequires us to turn over to the state of your lastknown address (as shown in our records)personal property which is unclaimed by itsowner for a set period of time. Personal propertyincludes assets in customer accounts (includingyour Schwab One Account) as well as uncasheddividend checks and other Schwab checkspayable to customers. In general, personalproperty is considered unclaimed if you have notperformed at least one of the following activitieswithin the period of time set by the state: Made a deposit, trade or withdrawal in youraccount. Written to or otherwise contacted us aboutyour account. Otherwise shown an interest in your account.Before we turn over the assets in your account(if any), we will, as required by law, send a noticeto the address we currently show on youraccount statement.You may recover unclaimed property turned overto a state by contacting that state.ST 2019 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.CC3732687 (1219-927C) APP12215-23 (12/19)Removal of Non-Publicly Traded SecuritiesFrom Your Account. Schwab may ask you toremove any Non-Publicly Traded Security fromyour Account at any time and for any reason. Inthe event that Schwab asks you to remove aNon-Publicly Traded Security from your Account,and you do not request a distribution of theNon-Publicly Traded Security from your Account,remove it from your Account, or transfer it toanother custodian within sixty (60) days afterSchwab provides you written notice that it willno longer hold the Non-Publicly Traded Security,you authorize and direct Schwab to distribute ortransfer the Non-Publicly Traded Security directlyto you. If the Non-Publicly Traded Security isrepresented by a physical certificate in Schwab’spossession, Schwab will return the physicalcertificate to you. If the Account is a retirementplan brokerage custodial account (including aCompany Retirement Account [CRA] or PersonalChoice Retirement Account [PCRA]) subject tothe terms of this Agreement, the Non-PubliclyTraded Security may be distributed upondirection of the Trustee or other applicablefiduciary or agent of the plan to the participantin whose Account the Non-Publicly TradedSecurity is invested, or to the extent notpracticable, transferred to the Trustee or otherapplicable fiduciary or agent to hold theNon-Publicly Traded Security on behalf of theplan. If the Non-Publicly Traded Security isrepresented by a physical certificate in Schwab’spossession, Schwab will transfer the physicalcertificate to the participant (if so directed bythe Trustee or other applicable fiduciary or agentfor the plan) or to the Trustee or other applicable*APP12215-23 03*

Page 4 of 65. Agreement (Continued)fiduciary or agent of the plan, as applicable. Ifthe Non-Publicly Traded Security is not certificated, you agree that Schwab may remove thesecurity from the Account by notifying the issuerto re-register the position in your name, or in thecase of a retirement plan brokerage custodialaccount, in the name of the Trustee or otherapplicable plan fiduciary for benefit of the planand remove Schwab as custodian. You agree toindemnify and hold Schwab harmless for yourfailure to remove or transfer a Non-PubliclyTraded Security after Schwab has notified youthat Schwab is no longer willing to hold thesecurity in the Account. You agree that you arealso solely responsible for any tax consequences associated with the removal of the NonPublicly Traded Security from your Account.PCRA Fees. The Retirement Plan ServiceProvider, Trustee or Recordkeeper may chargeadditional fees for opening and maintainingParticipant’s PCRA. Find transaction fees andcommissions for trades placed in your PCRA inthe Charles Schwab Pricing Guide for RetirementPlan and Health Savings Accounts.Understanding Our Agreement. Participantagrees to: Agree and be bound by the Schwab One Account Agreement; Read other agreements relating to Participant’s PCRA; Read amendments to the agreements; Contact a Schwab representative if Participantdoes not receive or understand the agreements or amendments; and Be bound by the terms of these agreementsand all amendments.If features are added to Participant’s PCRA afterit is opened, Participant agrees to be bound bythe terms in the agreements relating to thesefeatures.Electronic Services. Participant authorizesSchwab to act on Participant’s instructions,whether written, oral or provided by Participantthrough any of Schwab’s Electronic Services.Role of Charles Schwab & Co., Inc.Participant acknowledges that: Participant, and not Schwab, is responsiblefor determining the nature, potential value andsuitability of any particular security, transaction or investment strategy; Schwab will not give legal or tax advice; Schwab is in no way responsible for supervising or monitoring trading in Participant’s PCRA; Participant understands that no investmentswill be made with respect to Participant’sPCRA except as Participant specificallyinstructs Schwab; and Purchases and sales of securities in Participant’s PCRA are subject to commissions andtransaction fees.Schwab agrees that it is responsible for determining the nature, potential value and suitabilityof any particular security, transaction or investment strategy for Participant only (1) if requiredby applicable law, or (2) if: A Schwab representative gives advice directlyto Participant; and The advice is clearly identified as a Schwabrecommendation for Participant to enter into aparticular transaction or to buy or sell aparticular security.Credit Verification. Participant authorizesSchwab to inquire from any source, including aconsumer reporting agency, as to Participant’screditworthiness and ongoing eligibility for theaccount at any time throughout the life of theaccount, and thereafter for debt collection orinvestigative purposes.Authorization to Trade for PCRA. Participantmay place trading orders for Participant’s PCRApursuant to the LPOA. The Plan Sponsor,Trustees or Recordkeeper may revoke the LPOAat any time by giving written notice to Schwab.Participant agrees not to take any actions thatexceed Participant’s authority under the LPOA orany other agreement between Participant andthe Trustees or Independent Recordkeeper orPlan Sponsor with respect to which the PCRA isopened.Appointment of Limited Power of Attorney forThird Party. By execution of a Schwab PersonalChoice Retirement Account Limited Power ofAttorney Form to Authorize a Third Party,including a Schwab Personal Choice RetirementAccount Limited Power of Attorney Form toAuthorize an Investment Advisor, Participantmay grant authority to an Attorney-In-Fact totrade in Participant’s PCRA but not to make withdrawals. The ability to work with a third party,including a professional money manager, variesby retirement plan.Mutual Fund Minimum Investments. Participantacknowledges that mutual funds require aspecified minimum investment, and that untilsufficient amounts have been deposited intoParticipant’s PCRA, it will not be possible toinvest in such mutual funds.Uninvested Funds. All uninvested funds heldwithin Participant’s PCRA will be automaticallyinvested (swept) into the sweep vehicle that yourPlan Sponsor has selected. It is the responsibility of Participant to allocate funds to otherinvestments, if so desired, once funds havebeen invested (swept) into the sweep vehicle.Trading Restrictions. PCRA may not includetrading on collectibles, currencies, preciousmetals, real estate, futures, commodities,private placements, margin accounts or shortsales. This list does not apply to shares ofmutual funds, exchange-traded funds, or otherinvestment vehicles that may be authorizedunder the Plan and may offer exposure tofutures, commodity markets, or make investments in the types of assets listed above. Ifspecifically allowed by Participant’s retirementplan, Participant may be able to write coveredcalls, buy protective puts, and write cashsecured equity puts. Participant must completea Schwab Options Application to be approved totrade options. Participant’s retirement plan mayhave other trading restrictions that limitParticipant’s investment options.ST 2019 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.CC3732687 (1219-927C) APP12215-23 (12/19)Compliance With Applicable Law. Participantwill comply with all applicable state and federalsecurities laws.Information. Participant will provide promptlyany information reasonably requested bySchwab concerning the management ofParticipant’s PCRA or compliance with thisAgreement. If questions arise concerningcompliance with any law, Participant will takeany action believed by Schwab to be necessaryand proper to ensure compliance with applicablelaw. Schwab has no duty to supervise or monitorParticipant’s management of Participant’s PCRAor compliance with applicable laws. Schwab maydisclose Participant’s name, address and shareposition upon request to companies whosesecurities are held in Participant’s PCRA, unlessParticipant notifies Schwab in writing not todisclose this information.Indemnification. Participant will indemnify andhold harmless Schwab, its affiliates and theirdirectors, officers and employees from andagainst all claims, actions, costs and liabilities,including attorneys’ fees, arising out of orrelating to: Any breach by Participant of any provision ofthis Agreement; Any dispute between Participant and PlanSponsor; and Any dispute between Participant and theTrustee(s) (or Recordkeeper [if applicable])except when Charles Schwab Trust Bank, orany of its affiliates, acts as the Trustee(s) (orRecordkeeper [if applicable]) for Participant’splan assets.Trade Confirmations and Account S tatements.Unless the Plan Sponsor, Trustee(s) or Institutiondirect otherwise, Schwab will send tradeconfirmations and account statements toParticipant and, if requested by the PlanSponsor, Trustee(s) or Institution, to the PlanSponsor, Trustee(s) or Institution and otherparties as directed.Your Participation and Consent to Enroll inSchwab’s Cash Features Program. The CashFeatures Program is a service that offers certaincash features (each a “Cash Feature”) to permituninvested cash (the “Free Credit Balance”) inyour Participant brokerage accounts under thePlan to earn income while you decide how thosefunds should be invested longer term.All uninvested funds held within your Accountwill be automatically invested (swept) into theCash Feature selected by your Plan Sponsor orTrustee. If you have questions about your Plan’sCash Feature selection, please contact yourPlan Sponsor or Trustee.You understand that the terms and conditions ofthe Cash Features Program and of each CashFeature are set forth in the Cash FeaturesDisclosure Statement.You understand that your Plan Sponsor hasinstructed and directed Schwab to include theFree Credit Balance under the Plan in the CashFeatures Program, as described in the CashFeatures Disclosure Statement, and that by youruse of the Account you are consenting to the*APP12215-23 04*

Page 5 of 65. Agreement (Continued)terms related to the Cash Feature selected onbehalf of the Plan.You understand and agree that Schwab may(1) make changes to the terms and conditions ofthe Cash Features Program; (2) make changesto the terms and conditions of any CashFeature; (3) change, add, or discontinue anyCash Feature; (4) change the Plan’s and/or anyParticipant’s investment from one Cash Featureto another if the Plan and/or any Participant, asapplicable, becomes ineligible for the currentCash Feature or the current Cash Feature isdiscontinued; and (5) make any other changesto the Cash Features Program or Cash Featureas allowed by law. Schwab will notify you inwriting of changes to the terms of the CashFeatures, changes to the Cash Features wemake available, or changes to the CashFeatures Program prior to the effective date ofthe proposed change.Liquidation. If for any reason Participant’s PCRAhas insufficient funds to cover the purchaseprice of any trade or a fee, Schwab may takeappropriate steps in its discretion to complete,cancel or liquidate one or more transactions orinvestments. Additionally, Schwab may, ondirection from an authorized party, which mayinclude the Plan Sponsor, Trustee(s) orInstitution, liquidate one or more transactions orinvestments in order to address correctionswhich may be required pursuant to the provisions of the plan document, the EmployeeRetirement Income Security Act of 1974, asamended (ERISA), or the Internal Revenue Codeof 1986, as amended (IRC), including, but notlimited to, the correction of excess annualadditions pursuant to IRC 415, of excesscontributions p ursuant to IRC 401(k), of excessaggregate contributions pursuant to IRC 401(m)and of excess deferrals pursuant to IRC 402(g),to the extent that Schwab has either beeninformed by the authorized party that suchcorrection is required or has the responsibilityfor the determination of the need for suchcorrection pursuant to the terms of the SchwabOne Account Agreement and any otherapplicable agreements between Schwab and theauthorized party.Entire Agreement. This Agreement contains allof the agreements, representations andunderstandings made between Participant andSchwab.Waivers. The failure of either party at any timeto require performance by the other party of anyprovision of this Agreement will not affect in anyway the right to require such performance at anytime thereafter. The waiver by either party of abreach of any provisions hereof will not be takenor held to be a waiver of the provision itself.Governing Law. This Agreement, and all futureagreements you shall enter into with Schwab,unless otherwise indicated on such otheragreement, shall be governed by the law (butnot the choice or law doctrines) of the state ofCalifornia. This is the case regardless ofwhether you reside or transact business withSchwab in California or elsewhere, except thatthe section entitled “Arbitration” shall begoverned by the Federal Arbitration Act.Impartial Lottery for Securities Subject to PartialCall or Partial Redemption. If Schwab holdssecurities for you in street name, in Schwab’sname, or in bearer form that are subject topartial call or partial redemption, then in thecase of a partial call or partial redemption,Schwab will use an impartial lottery system toselect the securities to be called or redeemedfrom among accounts holding those securities.For a description of Schwab’s lottery system,please visit www.schwab.com/PartialCalls. Ifyou would like a printed description of Schwab’slottery system mailed to you, please contact aSchwab representative at 1-888-393-7272.Notice to Canadian Residents. Schwab is notregistered as a broker-dealer in Canada; we arerelying upon an exemption from the broker- dealer registration requirement to act as abroker-dealer. Therefore, Schwab and its agentsare not subject to the full regulatory requirements otherwise applicable under Canadiansecurities legislation.6. Required Arbitration DisclosuresRegulatory authorities require that any brokerageagreement containing a predispute arbitrationagreement must disclose that this agreementcontains a predispute arbitration clause. ThisAgreement contains a predispute arbitrationclause. By signing an arbitration agreement, theparties agree as follows: All parties to this Agreement are giving up theright to sue each other in court, including the rightto a trial by jury, except as provided by the rules ofthe arbitration forum in which a claim is filed. Arbitration awards are generally final andbinding; a party’s ability to have a court reverseor modify an arbitration award is very limited. The ability of the parties to obtain documents,witness statements and other discovery isgenerally more limited in arbitration than incourt proceedings. The arbitrators do not have to explain thereason(s) for their award unless, in an eligiblecase, a joint request for an explained decision hasbeen submitted by all parties to the panel at least20 days prior to the first scheduled hearing date. The panel of arbitrators will typically includea minority of arbitrators who were or areaffiliated with the securities industry. The rules of some arbitration forums mayimpose time limits for bringing a claim inarbitration. In some cases, a claim that isineligible for arbitration may be brought in court. The rules of the arbitration forum in which theclaim is filed, and any amendments thereto,shall be incorporated into this Agreement.No person shall bring a putative or certifiedclass action to arbitration, nor seek to enforceany predispute arbitration agreement againstany person who has initiated in court a putativeclass action; or who is a member of a putativeclass who has not opted out of the class withrespect to any claims encompassed by theputative class action until:1. the class certification is denied;2. the class is decertified; orST 2019 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.CC3732687 (1219-927C) APP12215-23 (12/19)3. the customer is excluded from the classby the court.Such forbearance to enforce an agreement toarbitrate shall not constitute a waiver of anyrights under this Agreement except to the extentstated herein.Arbitration Agreement. Any controversy or claimarising out of or relating to (i) this Agreement, anyother agreement with Schwab, an instruction orauthorization provided to Schwab or the breach ofany such agreements, instructions, or authorizations; (ii) the Account, any other Schwab accountor Services; (iii) transactions in the Account orany other Schwab account; (iv) or in any wayarising from the relationship with Schwab, itsparent, subsidiaries, affiliates, officers, directors,employees, agents or service providers (“RelatedThird Parties”), including any controversy over thearbitrability of a dispute, will be settled byarbitration.This arbitration agreement will be binding uponand inure to the benefit of the parties heretoand their respective representatives, attorneysin-fact, heirs, successors, assigns and any otherpersons having or claiming to have a legal orbeneficial interest in the Account, includingcourt-appointed trustees and receivers. Thisarbitration agreement will also inure to thebenefit of third-party service providers thatassist Schwab in providing Services (“Third-PartyService Providers”) and such Third-Party ServiceProviders are deemed to be third-partybeneficiaries of this arbitration agreement.The parties agree that this arbitration agreementwill apply even if the application to open theAccount is denied and will survive the closure ofyour Account and/or the termination of servicesrendered under this Agreement.Such arbitration will be conducted by, andaccording to the securities arbitration rulesand regulations then in effect of, the FinancialIndustry Regulatory Authority (FINRA) or anynational securities exchange that provides aforum for the arbitration of disputes, providedthat Schwab is a member of such nationalsecurities exchange at the time the arbitrationis initiated. Any party may initiate arbitration byfiling a written claim with FINRA or such eligiblenational securities exchange. If arbitration beforeFINRA or an eligible national securities exchangeis unavailable or impossible for any reason,then such arbitration will be conducted by, andaccording to the rules and regulations then ineffect of, the American Arbitration Association(AAA). If arbitration before the AAA is unavailable or impossible for any reason, the partiesagree to have a court of competent jurisdictionappoint three (3) arbitrators to resolve

Schwab Personal Choice Retirement Account (PCRA) Limited Power of Attorney (LPOA) Form For a Participant Page 1 of 6 www.schwab.com 1-888-393-7272 1. Introduction This form is necessary in order to give you the authority to place trade orders in your Schwab PCRA. Please complete all sections of this form. This form