USAA Investment Trust/Estate Account Application

P.O. Box 659453 San Antonio, Texas 78265-9009

STEP 1: Verify and complete all applicable sections of the application. Make changes to incorrect information directly on this application. STEP 2: Return completed, signed and dated application in its entirety and required documents (if applicable) to USAA Investment Management Company (IMCO).

Account Type (Select One) M Trust

A Certificate/memorandum of Trust is NOT acceptable for new Trust accounts in lieu of trust document pages. Provide a copy of ONLY the following trust document pages containing the following: (1) Name/date of trust (2) Names of current trustees, trustors, and successor trustees (3) Signature pages NOTE: If Trust has its own tax identification number (EIN), provide a copy of the IRS EIN Issuance Confirmation Letter (CP-575 Notice) or Replacement Confirmation Letter (Letter 147c). Additional information may be requested.

M Estate

Provide copies of only the following estate documents: (1) Copy of death certificate  (2) Administrator papers, or letters of testamentary NOTE: If Estate has its own tax identification number (EIN), provide a copy of the IRS EIN Issuance Confirmation Letter (CP-575 Notice) or Replacement Confirmation Letter (Letter 147c). Additional information may be requested.

Personal Information (Required) 1. Trust/Estate Information Name of Trust/Estate

Trust/Estate Creation Date (mm/dd/yyyy)

Physical Address (If different from person listed in Section 2, P.O. Box cannot be accepted.)

City

State

Zip Code

Mailing Address (if different)

City

State

Zip Code

Tax ID Number or Social Security Number (required)  

Is this trust/estate organized under U.S. state or federal law?    Yes    No If yes, please specify state

If no, please specify country of organization

Estates are not required to answer the following; skip to Section  2  Trustee/Executor  Yes   No

Is the trust a business trust?

 Yes   No

Is the trust a broker/dealer?



If yes, are you a



 U.S. broker/dealer

 Foreign broker/dealer (A broker/dealer organized under foreign law or an agency, branch or office located outside the United States of a U.S. broker/dealer.)  Yes   No

Is the trust a bank?



If yes, are you a



 U.S. bank

 Foreign bank (A bank organized under foreign law or an agency, branch or office located outside the United States. This doesn’t include an agent, agency, branch or office within the United States of a bank organized under foreign law.)   Yes    No

Is the trust a foreign branch of a U.S. financial institution?

USAA Financial Advisors, Inc. 

m 

800-531-USAA (8722)  Page 1 of 8

m 

Fax 800-292-8177 

m usaa.com

98095-0518

  Yes    No

Is the trust a business organized under a foreign law that, if it were located in the U.S., would be a securities, broker/dealer, futures commission merchant, introducing broker in commodities, or a mutual fund?

  Yes    No

Is the trust a money transmitter or currency exchanger organized under foreign law? 

  Yes    No

Does the trust offer correspondent accounts to other financial institutions?  (A correspondent account is an account established to receive deposits from or make payments on behalf of a financial institution, or handle other financial transactions related to such institution.) 



If so, select the type of financial institution.



 Domestic (U.S.)



If the trust provides correspondent accounts to foreign financial institutions, does the trust perform trades in its USAA investment and/or mutual fund account(s) on behalf of any or its foreign financial institution correspondent customers? 



If yes, please provide us with a list of the investment and/or mutual fund account(s) numbers in which trades are performed for the benefit of your foreign financial institution correspondent customers.

 Foreign

 Both

  Yes    No

Is the trust a financial institution that is not described above? 



If yes, please describe the type of financial institution.

  Yes    No

Does the trust maintain a physical presence and perform business functions at the address listed above?

  Yes    No

Does the trust employ individuals on a full-time basis?

  Yes    No

Does the trust maintain operating records related to its business activities? 

2. Trustee/Executor USAA Number

Social Security Number (required)

Date of Birth (mm/dd/yyyy)

First Name

MI

Last Name

Suffix

Physical Address (P.O. Box cannot be accepted.)

City

State

Zip Code

Mailing Address (if different)

City

State

Zip Code

Residence Phone Number (include area code)

Business Phone Number (include area code)

E-mail Address

Employment Status  Employed

 Retired

 Not Employed

If you selected Retired or Not Employed above, please select a primary source of income:  401K

 Social Security

 Pension

 TSP

 Savings/Investments

 Inheritance

If you selected Employed above, please provide your employer name and address: Employer’s Name

Occupation

Employer’s Address

City

State

Page 2 of 8

Zip Code

 Other

Are you a senior foreign political figure or family member or associate of a senior foreign political figure?    Yes    No If yes, senior foreign political figure’s name Are you a U.S. citizen?    Yes    No If non-U.S. Citizen, indicate Residence Status:

  Resident Alien

  Non-resident Alien If non-resident alien, please call 1-800-531-8722.

If Resident Alien, please specify country of citizenship

AND provide the following:

U.S. Permanent Resident Card Number (Required)

Expiration Date

Passport number issued by country of citizenship (Optional)

 

Expiration Date

Company Affiliations Are you associated with or employed by a stock exchange, municipal securities dealer, securities broker or dealer (other than the USAA Investment Management Company (IMCO) or USAA Financial Advisors, Inc. (FAI)), or by the Financial Industry Regulatory Authority (FINRA)? If you are associated with a FINRA member firm other than IMCO or FAI, you must obtain the prior written consent of that firm before you can open or otherwise establish with FAI any account in which securities transactions can be effected and in which you have a beneficial interest.   Yes     No   If yes, firm name: Are you, your spouse, or any member of the household affiliated with a publicly traded company under SEC Rule 144 as a:   Director     Policy Maker     10% or greater Shareholder If yes, Company Name:

Company Symbol/CUSIP:

3. Co-Trustee/Co-Executor If more than two trustees/executors, attach additional names and include information requested in this section.

USAA Number

Social Security Number (required)

Date of Birth (mm/dd/yyyy)

First Name

MI

Last Name

Suffix

Physical Address (P.O. Box cannot be accepted.)

City

State

Zip Code

Mailing Address (if different)

City

State

Zip Code

Residence Phone Number (include area code)

Business Phone Number (include area code)

E-mail Address

Employment Status  Employed

 Retired

 Not Employed

If you selected Retired or Not Employed above, please select a primary source of income:  401K

 Social Security

 Pension

 TSP

 Savings/Investments

 Inheritance

If you selected Employed above, please provide your employer name and address: Employer’s Name

Occupation

Employer’s Address

City

State

Page 3 of 8

Zip Code

 Other

Are you a senior foreign political figure or family member or associate of a senior foreign political figure?    Yes    No If yes, senior foreign political figure’s name Are you a U.S. citizen?    Yes    No If non-U.S. Citizen, indicate Residence Status:

  Resident Alien

  Non-resident Alien If non-resident alien, please call 1-800-531-8722.

If Resident Alien, please specify country of citizenship

AND provide the following:

U.S. Permanent Resident Card Number (Required)

Expiration Date

Passport number issued by country of citizenship (Optional)

 

Expiration Date

Company Affiliations Are you associated with or employed by a stock exchange, municipal securities dealer, securities broker or dealer (other than the USAA Investment Management Company (IMCO) or USAA Financial Advisors, Inc. (FAI)), or by the Financial Industry Regulatory Authority (FINRA)? If you are associated with a FINRA member firm other than IMCO or FAI, you must obtain the prior written consent of that firm before you can open or otherwise establish with FAI any account in which securities transactions can be effected and in which you have a beneficial interest.   Yes     No   If yes, firm name: Are you, your spouse, or any member of the household affiliated with a publicly traded company under SEC Rule 144 as a:   Director     Policy Maker     10% or greater Shareholder If yes, Company Name:

Company Symbol/CUSIP:

4. Financial Information (All the information below is required by industry regulations.) Annual Income 

Net Worth

Liquid Assets

Tax Bracket

Primary Investment Objective (Select One)

  $0 - $24,999    $25,000 - $49,999   $50,000 - $99,999   Over $100,000

  $0 - $34,999    $35,000 - $49,999   $50,000 - $249,999   $250,000 and over

  $0 - $9,999    $10,000 - $19,999   $20,000 - $99,999   $100,000 and over

  Capital Preservation 

$ (combined for joint owners)

$ Approximate Net Worth excluding primary residence (combined for joint owners)

$ Total assets that are cash or are easily converted to cash for all account owners.

 10%   12%  22%  24%  32%  35%  37%

 Growth  Income

 

Account Servicing Instructions 5. Uninvested Cash/Core Account Your core account is used for processing cash transactions and for holding cash awaiting reinvestment or withdrawal. The USAA Treasury Money Market Trust will be your core account investment vehicle. Please refer to the Customer Account Agreement for more information regarding uninvested cash and your core account.

6. Dividends Select one of the following options to handle dividends from all eligible securities. NOTE: If you make no selection, dividends will be held as cash.   Hold as uninvested cash, in the core account selected in Section 5, Uninvested Cash/Core Account.   Reinvest dividends of all eligible securities.

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7. Banking Information Provide banking information to allow for Electronic Funds Transfer (EFT) services through a standing instruction. (Select One)  Checking   Savings  Name of Financial Institution

Name of Account Owner(s)

Type of Account

Transit Routing Number (The nine-digit number in lower left corner of check)



Account Number

NOTE: Bank Account Owner name(s) and this investment account owner name(s) should be identical. You will need to attach a voided check, deposit slip, or financial institution statement with the account number and all owner names preprinted on it.

Account number and all owner names must be preprinted and unaltered.

REQUIRED Tape your voided check or preprinted deposit slip here.

8. Account Funding - Minimum initial investment is $3,000. $ Initial Investment/Transfer Amount

M Electronic Funds Transfer (EFT) from the account listed in Section 7, Banking Information. M Check $

NOTE: Make checks payable to USAA Investment Management Company (IMCO).

M Transfer entire account from an existing USAA non-retirement investment account number NOTE: All cash and securities will be transferred.

.

M Transfer partial account from an existing USAA non-retirement investment account number List the cash amount and each security and share amount you want to transfer in-kind. Cash    Total Cash or Partial Cash: $

.

Securities Stock ticker symbol (i.e. XYZ Stocks)

Shares

Stock ticker symbol (i.e. XYZ Stocks)

Shares

Stock ticker symbol (i.e. XYZ Stocks)

Shares

or

M  All Shares

or

M  All Shares

or

M  All Shares

NOTE: If you want to transfer additional securities please include a separate letter of instruction signed by all account owners on the sending account. M Transfer from another financial institution. After your account is established, you may initiate your transfer on usaa.com on the Investments/Transfer Non-USAA Investment Account section or you may contact us for assistance.

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9. Trusted Contact By choosing to provide information about a Trusted Contact person, you authorize us to contact the Trusted Contact person listed below and disclose information about your products and services at USAA (including, but not limited to, securities, insurance, banking, financial planning, or any financial information you have provided to USAA) to that person in the following circumstances: to address possible financial exploitation; to confirm the specifics of your current contact information, health status, or the identity of any legal guardian, executor, trustee or holder of a power of attorney; to help prevent your account from being declared abandoned or unclaimed if USAA is unable to locate you; or as otherwise permitted by FINRA Rule 2165 (Financial Exploitation of Specified Adults). Completing this application does not in and of itself give the Trusted Contact the ability to transact on any account or policy that you may have with USAA. Consider choosing a Trusted Contact who does not already have the ability to be contacted about the products and services you have with USAA. Note that you should not name an existing power of attorney as a Trusted Contact. Your Trusted Contact selection here applies to all of your accounts and policies held at USAA. Accordingly, selecting “No” on this form will remove an existing Trusted Contact for all of your accounts and policies with USAA. Trustee/Executor - I would like to add a Trusted Contact person age 18 or older?   Yes

First Name

MI

Mailing Address

City

Phone Number (include area code)

   No

Last Name

Suffix

State

Zip Code

Country

E-mail Address

Relationship to Trustee/Executor in Section 2.

Co-Trustee/Co-Executor - I would like to add a Trusted Contact person age 18 or older?

First Name

MI

Mailing Address

City

Phone Number (include area code)

  Yes

   No

Last Name State

Suffix Zip Code

Country

E-mail Address

Relationship to Co-Trustee/Co-Executor in Section 3.

Read and Sign In the section below, “NFS,” “us,” and “we” refer to National Financial Services LLC and its officers, directors, employees, agents, affiliates, shareholders, successors, assignees, and representatives as the context may require; “you” refers to the account owner(s) indicated on the account form and any authorized individuals; “you” refers to all account owner(s) collectively and individually; “Broker/Dealer” refers to the correspondent servicing your account. USA PATRIOT Act Notice: To help the government fight the funding of terrorism and money laundering, federal law and contractual obligations between your Broker/Dealer and us require us to obtain your name, date of birth, address and a government-issued id number before opening your account, and to verify the information. In certain circumstances, we may obtain and verify comparable information for any person authorized to make transactions in an account or beneficial owners of certain entities. Additional documentation is required for certain business entity accounts and other organizations. Your account may be restricted if we or your Broker/Dealer cannot obtain and verify this information. We or your Broker/Dealer will not be responsible for any losses or damages (including, but not limited to, lost opportunities) that may result if your account is restricted or closed. Trusted Contact Disclosure: A “Trusted Contact,” as used herein, is a person, aged 18 or older, whom you designate USAA to contact in the event that USAA has certain questions about you, as described below. By designating a Trusted Contact above, you expressly authorize USAA to contact the Trusted Contact person and disclose information about your products and services at USAA (including, but not limited to, securities, insurance, banking, financial planning, or any financial information you have provided to USAA) to that person in the following circumstances: to address possible financial exploitation; to confirm the specifics of your current contact information, health status, or identity of any legal guardian, executor, trustee or holder of a power of attorney; to help prevent your account from being declared abandoned or unclaimed if USAA is unable to locate you; or as otherwise permitted by FINRA Rule 2165 (Financial Exploitation of Specified Adults). Please note that USAA is limited in its ability to detect whether one or more of the life events listed above has occurred for you. Interactions between USAA and its clients are limited in duration and generally occur telephonically or online. You may either amend your Trusted Contact designation or terminate USAA’s ability to contact a Trusted Contact person at any time by completing the Trusted Contact Authorization Form. By designating a Trusted Contact you acknowledge that it is your responsibility to update Trusted Contact information as necessary, should the Trusted Contact person’s contact information change.

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By signing below, you: • Affirm that you are at least 18 years of age and are of full legal age in the state in which you reside, and you are authorized to enter into this agreement. • Affirm that the Trust has not been revoked, modified, or amended in any manner that would cause the statements contained in this Trust certification to be incorrect. • Affirm that the Trust exists under all applicable laws. • Affirm that you have the authority under the Trust and applicable law to enter into transactions, delegate trading authorization to the other authorized individuals, issue instructions on this account for, and at the risk of, the Trust, and agree that any transactions and instructions will be in full compliance with the Trust. If allowed for by the provisions of the Trust, one or more of the Trustees listed on this form may in fact be a Power of Attorney (POA). The POA will be referred to as a Trustee throughout this document and will be subject to the same terms and conditions contained herein. • Authorize your Broker/Dealer to accept orders and other instructions for this account from any Trustee and/or any other authorized individual or entity. This includes the authority to deliver any or all assets in the account to any Trustee (personally or otherwise), or according to any Trustee’s instructions We or your Broker/Dealer, at our option and for our protection, may require approval of other Trustees before acting on any such order or instruction. • Affirm that you have received, read, understand, and agree to the current terms of Customer Account Agreement and the account features you selected and agree to future amendments to these terms and request that you accept one or more accounts in my name. • Understand that unless you provide written notice to the contrary, your Broker/Dealer may supply your name to issuers of securities held in your account so you can receive important information regarding such securities. M Do not disclose. • Represent and warrant that if you have not checked the boxes for Company Affiliations, you are not affiliated with or employed by a stock exchange, the Financial Industry Regulatory Authority, or a Broker/Dealer and you are not a control person or affiliate of a public company under SEC Rule 144 (such as a director, 10% shareholder, or a policymaking officer), or an immediate family or household member of such a person. You further represent that you are not a designated large trader pursuant to SEC Rule 13h-1. In the event that any of the foregoing representations is inaccurate or becomes inaccurate, you agree to promptly notify your Broker/Dealer. • Affirm that you have also read, understand, and agree to the terms of the applicable prospectus for any mutual fund that you purchase or exchange and into which you have funds transferred or invest, including any mutual fund that serves as your core account investment vehicle, and that you agree to future amendments to these terms. • Have instructed your Broker/Dealer to establish, as your agent, an account with us. You have appointed your Broker/Dealer as your exclusive agent to act for and on your behalf with respect to all matters regarding your account with us, including the placing of securities purchase and sale orders; to act in all respects in connection with your core account investment vehicle; and, provided margin and/or options trading have/has been approved, delivery of margin and option instructions for your account. No fiduciary relationship exists with us. Understand that we will look solely to your Broker/Dealer and not you with respect to such orders or instructions, and we are instructed to deliver confirmations, statements, and all other notices, including margin maintenance calls, if applicable, to your Broker/Dealer. Any such communications delivered to your Broker/ Dealer shall be deemed to have been delivered to you. You agree to hold us harmless from and against any losses, costs, or expenses arising in connection with the delivery or receipt of any such communication(s), provided we have acted in accordance with the above. The foregoing shall be effective until written revocation is received by us and your Broker/Dealer. • Authorize us and your Broker/Dealer to initiate electronic transactions to, from, or between the financial institution accounts as set forth above, including transactions that may be necessary to correct any errors. You understand that this account information will be stored and will be available for future transactions, including transactions you request by phone or through usaa.com. You understand that EFT services are automatically included when you sign up for an Automatic Investment Plan. • Authorize us and your Broker/Dealer to debit your account at the financial institution as set forth above. If the amount set forth above is between $20 and $500, you authorize your Broker/Dealer to accept your instructions, whether in writing, by telephone, or on usaa.com, to change the amount, frequency, and date of the recurring debit, including debits that may be necessary to correct any errors. If the amount of the debit exceeds $500, your Broker/Dealer will provide a written confirmation of the change to the recurring debit at least 10 days before the effective date of the changed debit amount, date of the recurring debit, or frequency. You agree that automated credit entries to your account and debits from your account at the financial institution named above will constitute receipt and acceptance of the transaction. If you instruct your Broker/Dealer to change the amount, frequency or date of the electronic debit, you waive the right to receive notice of the change if the amount of the debit is no less than $20 and no more than $500. • For your protection, Broker/Dealer or NFS may require additional verification of your identity and/or your instructions before acting on your request. You understand that verification or any other review conducted by Broker/Dealer or NFS may delay or prevent carrying out your request, including but not limited to the execution of your order, and you may receive an execution price that is different from the execution price when you submitted the order while awaiting the completion of verification and/or review. [If we are unable to reach you to verify your transaction within five days, we may cancel your transaction.] Neither Broker/Dealer nor NFS is liable for any delayed executions, canceled orders, or requests not acted upon as a result of a review or verification. • Understand that the EFT authority provided in this document will remain in effect until you notify your Broker/Dealer to terminate the authority and give your Broker/Dealer reasonable opportunity to act on the notice of termination. You acknowledge that the origination of ACH transactions to your account must comply with U.S. law. • Understand that the securities purchased or sold in your account are not deposits in, or obligations of or guaranteed by, USAA Federal Savings Bank or any other bank; are not insured or guaranteed by the FDIC or any other government agency; and are subject to investment risks, including possible loss of the principal invested. Important Information Regarding Escheatment. The property within your account, including mutual fund shares, cash, securities or other assets may be transferred to the appropriate state if no activity occurs or if statements and confirmations of your account activity prove undeliverable, within time periods specified by state law. Authorize USAA and its affiliates to share information about my accounts and policies held at USAA with the named Trusted Contact identified above. I understand that this Trusted Contact authorization supersedes any prior Trusted Contact authorization I have submitted. I understand that there is no requirement that USAA reach out to my Trusted Contact and that USAA will reach out to my Trusted Contact at USAA’s sole discretion, unless otherwise required by law or regulation. I may withdraw this Trusted Contact Authorization at any time by notifying USAA in writing at the address shown on my account or policy statement. By signing below, I and my heirs release USAA from any liability and hold USAA harmless for contacting a Trusted Contact, failing to contact a Trusted Contact, or any actions relating to contact with a Trusted Contact, without limitation.

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Applications without a signature and date, and/or Social Security Number or Tax Identification Number will not be accepted until the signature or other required information is provided.

Taxpayer Identification Number/Backup Withholding Certification (Selection May be Required) Under penalties of perjury, I certify that: 1. The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me); and 2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding; and 3. I am a U.S. citizen or other U.S. person; and 4. The Foreign Account Tax Compliance Act (FATCA) code(s) entered on this form (if any) indicating that I am exempt from FATCA reporting is correct (not applicable) Certification instructions. You must check this box M if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest and dividends on your tax return. For real estate transactions, item 2 does not apply. For mortgage interest paid, acquisition or abandonment of secured property, cancellation of debt, contributions to an individual retirement arrangement (IRA), and generally, payments other than interest and dividends, you are not required to sign the certification, but you must provide your correct TIN. For instructions, see page 3 of IRS Form W-9. This account is governed by a predispute arbitration clause which is located in Appendix A, page A-1 of the Customer Account Agreement. You acknowledge that you have read, understood and agreed to the terms of the predispute arbitration clause.

The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.

x

x

Date (mm/dd/yyyy)

Date (mm/dd/yyyy)

Printed Name of Trustee/Executor

Printed Name of Co-Trustee/Co-Executor

Signature of Trustee/Executor

Signature of Co-Trustee/Co-Executor

Brokerage accounts are introduced and brokerage services provided by USAA Financial Advisors, Inc. (FAI) and USAA Investment Management Company (IMCO), both registered broker-dealers, Members SIPC. Clearing, custody and other services provided by National Financial Services LLC (NFS), Member NYSE, SIPC. Page 8 of 8

USAA Investment Management Company USAA Financial Advisors, Inc. USAA Financial Planning Services Insurance Agency, Inc. USAA Federal Savings Bank Updated ERISA Section 408(b)(2) Disclosure (for ERISA plans other than 403(b) and 403(b)(7) plans) dated April 2017 This is an updated version of the information which we are required to provide to you, if you are a fiduciary for an employee benefit plan (“Plan”) that is subject to the Employee Retirement Income Security Act of 1974 (“ERISA”) who is responsible for your Plan’s overall arrangement with USAA Investment Management Company, USAA Financial Advisors, Inc., USAA Financial Planning Services Insurance Agency, Inc., and/or USAA Federal Savings Bank (collectively, the “USAA Service Providers”), as applicable. The USAA Service Providers are affiliates. Under the U.S. Department of Labor (“DOL”) regulation on reasonable contracts or arrangements under ERISA Section 408(b)(2) (“408(b)(2) regulation”), covered service providers are required to provide a responsible Plan fiduciary with certain information about the services they provide to the Plan and related compensation, including direct and indirect compensation they receive for such services. One or more of the USAA Service Providers may be a covered service provider with respect to your Plan. If you are not a responsible Plan fiduciary, this document nevertheless provides information that may be helpful to you. This document describes information about fees and other compensation the USAA Service Providers reasonably expect to receive in connection with services provided to your Plan and is intended to comply with the 408(b)(2) regulation. You may obtain additional information by calling 800-531-USAA (8722). I. SERVICES UNDER CONTRACT OR ARRANGEMENT WITH PLAN AND STATUS USAA Investment Management Company (“IMCO”) Brokerage Services – IMCO acts as an introducing broker-dealer to Plan clients. More information about IMCO’s brokerage services is contained in your brokerage agreement. Investment Advisory Services – IMCO also provides investment advisory services to individuals and other entities through its USAA Managed Portfolios - UMP™ (“UMP” or the “Wrap Program”). IMCO may choose USAA Asset Management Company (“AMCO”) or one or more third-party investment advisers to provide certain sub-advisory services in connection with UMP. More information about UMP is contained in your UMP Investment Advisory Agreement and Brochure (Form ADV). IMCO provides its advisory services in its capacity as an investment adviser registered under the Investment Advisers Act of 1940 (“Advisers Act”) and as an ERISA fiduciary. USAA Financial Advisors, Inc. (“FAI”) Brokerage Services – FAI acts as an introducing broker-dealer to Plan clients. More information about FAI’s brokerage services is contained in your brokerage agreement and can also be obtained by calling 800-531-USAA (8722). USAA Financial Planning Services Insurance Agency, Inc. (“FPS”) Investment Advisory Services – FPS provides financial planning and related account review services to clients, who may be Plan participants with respect to assets that include assets in the participants’ Plan accounts. More information about FPS’ services is contained in FPS’s general disclosure Brochure (Form ADV). FPS provides its financial planning and related services in its capacity as an investment adviser registered under the Advisers Act. In providing these services, FPS is not acting as a fiduciary as that term is defined under current DOL regulations.

1

97535-0417

USAA Federal Savings Bank (“FSB”)

Sweep and Related Account Services – FSB provides certain services in connection with brokerage services provided by IMCO and National Financial Services LLC (“NFS”). Uninvested cash in the Plan’s brokerage account may be swept into a deposit product offered by FSB, and FSB provides related administrative services for the Plan.

National Financial Services LLC (“NFS”)

NFS is not affiliated with the USAA Service Providers. IMCO and FAI have entered into clearing agreements with NFS pursuant to which NFS, as an unaffiliated subcontractor, provides clearing brokerage services to Plan brokerage clients for which IMCO or FAI serve as the introducing broker and to Plan clients in certain of IMCO’s Wrap Programs, which are described herein. As clearing broker, NFS provides brokerage execution and related settlement, transaction processing, and custodial services as well as sweep services for uninvested cash in your Plan’s brokerage account(s). More information about NFS’ brokerage services is contained in your brokerage agreement.

None of the USAA Service Providers or NFS provides recordkeeping services to Plans. II. DIRECT COMPENSATION IMCO

For its advisory services under a Wrap Program, IMCO receives an advisory fee paid from the Plan account. Detailed information about the standard advisory fees IMCO receives is available in the Brochure for the Wrap Program. If you have converted to UMP from a program that USAA has consolidated into UMP, or if you have negotiated non-standard fees, your advisory fee is described in the fee schedule that we provided you when you initially participated in UMP or such consolidated program, as applicable. You may obtain another copy of your fee schedule by calling a USAA representative at 877-314-2255.

FAI FAI receives no compensation directly from the Plan in connection with its brokerage services described above. FPS FPS receives no compensation directly from the Plan for its financial planning services described above. NFS

For its brokerage services described above, NFS receives compensation directly from the Plan’s accounts in the form of commissions and service-specific fees that may vary depending upon the particular investment or service. See the commission schedule, Customer Account Agreement, margin agreement, certificate of deposit disclosure, FSB deposit account disclosure for a schedule of rates and fees. However, Wrap Program accounts are not charged a separate or additional commission on transactions in addition to the Wrap Program advisory fee described above.

NFS may act as principal on certain transactions. When acting as principal, it will add a mark-up to any purchase and subtract a mark-down from every sale. This markup or markdown will be included in the price quoted to you. Further information is available upon request. III. INDIRECT COMPENSATION, PAYMENTS BETWEEN AFFILIATES, AND PAYMENTS TO SUBCONTRACTORS Indirect Compensation With respect to NFS’ brokerage services described above:

Please see the attached “Supplemental Fees and Compensation Schedule” for information on indirect compensation received by NFS. As an unaffiliated subcontractor, NFS may have arrangements with funds and fund affiliates or other securities investment providers that are outside the knowledge or control of the USAA Service Providers.

2

In addition, for indirect compensation received in connection with mutual funds, more detailed information may be provided in the relevant mutual fund’s prospectus, statement of additional information, and annual report.

Bank Deposit Revenue: If a Plan acquires a certificate of deposit (“CD”) issued by FSB or USAA Savings Bank (“USB”) for its IMCO brokerage account, IMCO will receive a fee from FSB or USB, as applicable, for IMCO’s marketing and administrative services with respect to the CD. The amount of fee which IMCO expects to receive is typically based on the term of the CD and the amount of the CD, ranging from $0.10 per $1,000 of CD value for a 3-month term to $9.00 per $1,000 of CD value for a 7-year term. For accounts that select to sweep their uninvested cash into an FDIC insured deposit account offered by FSB, IMCO will receive $25.50 per account per year from FSB for recordkeeping and other administrative services.

With respect to IMCO’s investment advisory services described above:

Soft Dollars: In connection with selecting broker-dealers to effect security transactions in Wrap Program accounts, IMCO may receive proprietary and third-party research and brokerage services within the meaning of Section 28(e) of the Securities Exchange Act of 1934, as amended, from certain broker-dealers that execute securities trades for the accounts. Proprietary research generally includes access to conferences, analysis, forecasts, and in-house research. Brokerage and research services furnished by broker-dealers may be used in servicing all accounts, not all these services may be used in connection with the account that paid the commissions generating the services, and the level of trading activity for an account will vary over time.



Accordingly, IMCO is unable to specify or calculate in advance the amount of indirect compensation it will receive in connection with the management of your Plan’s account. See Attachment A for a list of brokers that provide IMCO soft dollar research and/or brokerage services. Additional information about IMCO’s soft dollar practices can be found in the Brochure for the Wrap Program.

Mutual Fund Revenue: To the extent that IMCO receives revenue from mutual funds with respect to a Plan account for which it provides advisory services, IMCO will rebate the amount of such Revenue to the Plan account or otherwise apply that amount for the benefit of the Plan account, as directed by the Plan. FPS: FPS may receive fees from a Plan participant from non-Plan assets with respect to its financial planning services described above. More information about FPS’ fees is contained in FPS’ general disclosure Brochure (Form ADV).

Gifts and Gratuities. The USAA Service Providers have adopted gift and entertainment policies in accordance with applicable regulatory guidelines that are intended to manage the potential conflicts of interest or the appearance of such conflicts and to help employees make appropriate decisions that are consistent with the best interests of the USAA Service Providers’ clients. There is no agreement or arrangement between the USAA Service Providers and third parties regarding the provision of gifts, meals, or gratuities to the USAA Service Providers’ employees that is based on the USAA Service Providers’ service agreements or arrangements with any particular client, and any such gifts, meals, and gratuities are not received by the USAA Service Providers’ employees by reason of their services to any particular client. In the case that such gifts, meals, and/or gratuities could be allocated to a Plan, under any reasonable method of allocation the value of such items received by USAA Service Provider employees likely would be of insubstantial value.

Payments Between Affiliates Under its agreement with FSB, IMCO receives fees from FSB for IMCO’s recordkeeping and other administrative services. These fees are described above under Bank Deposit Revenue.

Under its agreements with AMCO and USAA Transfer Agency Company (“SAS”), IMCO receives fees from each of AMCO and SAS with respect to IMCO brokerage accounts that hold shares of USAA mutual funds. The fees IMCO receives from AMCO for its distribution and servicing with respect to its brokerage accounts that hold shares of USAA mutual funds are 0.15% of the average net assets of the USAA mutual fund shares in such accounts. The fees IMCO receives from SAS for its sub-transfer agency and related services are $20.00 to $25.50 per year for each non-money market Retail Class account and, for the money market accounts and Institutional Class, an amount not to exceed 0.25%, on an annual basis, of the value of the USAA

3



mutual fund shares in such accounts.



IMCO does not directly pay any individual person, including employees of its affiliates, for referrals to IMCO or recommendations with respect to investment products, such as Wrap Programs, offered by IMCO. However, as part of the overall performance evaluation of certain employees of FPS, all of whom are salaried, referrals to IMCO for advisory services is taken into account and can affect the member service representative’s or financial planner’s salary and/or company bonus. Specifically, with respect to FPS employees who are in the Wealth Management Division, the number of accounts opened by IMCO as a result of the FPS employee’s referral is taken into account when determining that individual’s overall performance rating which can impact their total compensation. As described above, IMCO may choose AMCO to provide certain sub-advisory services in connection with UMP. IMCO pays AMCO a fee that ranges from 0.05% to 0.26% on an annual basis of average advisory account assets managed by AMCO as sub-adviser.

Payments to and from Subcontractors

As described above, IMCO may choose one or more third-party investment advisers to provide certain sub- advisory services in connection with UMP. These sub-advisers are: Atlanta Capital Management, Cambiar Investors, Luther King Capital Management and Robeco Investment Management. Depending on its agreement with the particular sub-adviser, IMCO pays the sub-adviser a fee that ranges from 0.30% to 0.35% on an annual basis of average advisory account assets managed by the sub-adviser.



As described above, IMCO and FAI have entered into clearing agreements with NFS pursuant to which NFS, as an unaffiliated subcontractor, provides clearing brokerage services to Plan brokerage clients for which IMCO or FAI serve as the introducing broker. Pursuant to such agreements, NFS will charge IMCO certain fees and expenses and will net these charges against the compensation it receives directly from Plans, as described above. IMCO has established a settlement account at NFS through which NFS will credit the net surplus or require IMCO to deposit additional amounts to discharge the net amount due to NFS, on at least a monthly basis. NFS will charge IMCO clearing charges per trade that range from $0 to $45, settlement fees for international transactions that vary depending upon the country and principal value and generally range from $25 to $300, execution and conversion fees for certain international transactions that range from $15 to $40, and may pass through additional expenses charged by third party providers. Listed and OTC Equity orders directed by IMCO or FAI to a specific destination (as opposed to following NFS’ standard best execution logic) will be charged $.0004 per share routing fee (inclusive of third market orders). The minimum monthly clearing and execution charge is $200,000. NFS will credit IMCO with the interest from margin loans in US dollars in excess of the broker’s call rate, as published in the Wall Street Journal, minus 25 basis points. NFS will debit IMCO for the margin interest income below the broker’s call rate, minus 25 basis points.

NFS will charge IMCO with all interest on US dollar cash debits in customer accounts at the broker’s call rate plus 150 basis points.

Pursuant to its clearing agreement with IMCO, NFS shares certain revenue it receives from mutual funds with IMCO. For additional information on compensation NFS receives from mutual funds, see the attached “Supplemental Fees and Compensation Schedule.” NFS will bill IMCO directly for certain transactions as described below:



Full Transfer of Accounts $20.00 per event Delivery (ACAT Exit Fee)



Legal Transfer (a transfer of $90.00 per event physical securities that requires supporting documentation)

4



Transfer & Ship (DRS Eligible)

$10.00 per event



Transfer & Ship (Non-DRS Eligible)

$220.00 per event



Trade & Margin Extension

$12.00 per even



Physical Reorganization

$35.00 per event

Legal Return of physical $60.00 per event certificate

Bounced Checks

$15.00 per event



Stop Payments

$15.00 per event

NFS will also charge IMCO for certain transactions related to customer mailings, notifications, account verification and insurance, market errors and related fees, as follows: Customer Mailings:

Monthly/Quarterly Statement - Each Standard and Basic Cost Basis

$0.25



Monthly/Quarterly Statement - Detail Cost Basis

Each

$0.35



Suppressed DVP Statement

Each

No additional charges



IMCO-requested Insert Processing

Each

$0.10



Annual Summary Statement

Each

$1.25



Annual Detail Statement

Each

$1.50



Large Print & Braille Statements

Each

$35.00



Trade Confirms – Customer & Each Interested Party Only

$0.50



Quarterly Trade Confirms

$0.50

Incremental Postage over 1oz

Each As billed by vendor

Prospectus/ Disclosure Document Each Delivery

$1.50



Dividend Checks

$0.50



Tax Forms

Each

  IRS Form 1099

Each

$0.75

  IRS Forms 5498 & 1099-R

Each

$0.75

  All Other IRS Forms

Each

$0.75

Fixed Income Redemption Each Notifications

$0.60

Customer eNotification: Monthly/Quarterly Statement – Each eNotification

No additional charges



Annual Summary Statement/Annual Detail Statement – eNotification

Each

$0.75



Insert Processing (Online Display) including storage for not longer than 120 months

Per Stored Insert

$500.00



Trade Confirms – eNotification

Each

No additional charges

5



Email Delivery Failure Letter

Each

$0.25



Change of Email Address Letter

Each

$0.25



RAP eNotification Letters

Each

$0.20



Additional eNotification Letters

Each

$0.20



Available Electronic Confirming Prospectus

Each

$0.50



Tax Forms – eNotification

Each

$0.50

Account Verification and Insurance:

Patriot Act

Per inquiry

$0.38



Information Inquiries

Per inquiry

$0.38



Revised Account Profile (RAP) and New Account Profile (NAP)

Per letter

$0.25

Market Errors and Other Fees:

Unauthorized Short Sales

Each

$200.00



Restricted Stock Transactions (Full Service)

Each

$150.00



Restricted Stock Transactions (Sell without Approval)

Each

$40.00



Errors (market action required in NFS acct.)

Each

$15.00

Other

Postage & Handling (All Statement As billed by vendor Types, Tax Forms, RAP/NAP, eNotification letters)



Exchange or Other Clearing As billed by vendor Corporation Fees



Manual One-Time Retirement (OTR) Distribution

Each

$20.00

Pursuant to the Technology Products and Services Agreement between IMCO and NFS, NFS will charge IMCO the following transaction fees: Market Data Real-Time Static Quotes - U.S.

$0.01 charge per quote for each U.S. real-time quote requested over 2,200 quotes per month

Real-Time Static Quotes - Global

$0.05 charge per quote for each Global real-time quote requested over 2,200 quotes per month

6

AT&T Communication Costs Domestic Charges: The domestic AT&T communication charge is the current AT&T tariff and it is subject to change by AT&T. The charge is: $0.041/min for inbound megacom rate and $0.085/min for readyline rate. Transferred Call Costs: $0.20 for every transferred call.

Data File Transmissions



Transmission -- Request for Prior File

$60 per file per request



Transmission -- Base File Transmission

$180 per file per request

Trading Interface: $1.50-$1.75 each ticket charge lV. COMPENSATION FOR TERMINATION OF CONTRACT OR ARRANGEMENT None of the USAA Service Providers receives any compensation in connection with the termination of its services to your Plan. V. INVESTMENT-RELATED INFORMATION

If the Plan is an individual account plan that permits participants or beneficiaries to direct the investment(s) in their accounts, and if one or more designated investment alternatives (“DIAs”) are made available in connection with IMCO’s or FAI’s brokerage services, the following information for each DIA may be found in the current prospectus or other disclosure materials of the issuer of the DIA (copies of which have been provided to you): (i) the total annual operating expenses, (ii) the DIA’s name, (iii) the type or category of the investment, (iv) performance data, (v) the applicable benchmark for the DIA, (vi) fee and expense information, (vii) the name of the DIA’s issuer, (viii) the objectives or goals of the investment, (ix) principal strategies and risks, and (x) portfolio turnover rate.

7

Attachment A Soft Dollar Arrangements With respect to the Wrap Programs, IMCO has soft dollar arrangements with the following brokers: AllianceBernstein L.P. Deutsche Bank Securities Inc. J.P. Morgan Securities, Inc. Strategas Securities LLC and Strategas Research Services UBS Securities, LLC

8

Supplemental Fees and Compensation Schedule National Financial Services LLC (NFS) provides clearing and other related services to your broker/dealer. The fees and compensation earned by NFS and as described herein are provided as additional information to help satisfy the Department of Labor service provider fee disclosure requirements. The disclosure requirements apply to qualified plans that are subject to Title 1 of ERISA. Note that if the qualified retirement plan covers “owner only,” where you and/or your spouse are the only participant(s), your plan is not subject to Title 1 of ERISA. Qualified retirement plans are typically held at NFS in a Non-Prototype Retirement Account or a Premiere Select® Profit Sharing or Money Purchase Pension Plan account. The following information is current as of 12/31/2013 and may be subject to change. For more information about fees and compensation or specific rates and values, contact your broker/dealer.

Stocks

Bonds and Certificates of Deposit (CDs)

NFS receives remuneration, compensation, or consideration for directing orders in equity securities to particular broker/dealers or market centers for execution. The payer, source and nature of any compensation received in connection with your particular transaction will vary based on the venue that a trade has been routed to for execution. Review NFS’s annual disclosure on payment for order flow policies and order routing policies. If you require further information in advance of a transaction, contact your broker/dealer.

New issues, primary purchases (all other fixed-income securities except U.S. Treasury)

NFS makes certain new issue products available without a separate transaction fee. NFS may receive compensation from issuers for participating in the offering as a selling group member and/or underwriter. The compensation NFS receives from issuers when acting as both underwriter and selling group member is reflected in the “Range of Fees from Underwriting” column. When NFS acts as underwriter but securities are sold through other selling group members, NFS receives the Underwriting Fees minus the Selling Group fees.

NFS makes certain new issue products available without a separate transaction fee. NFS may receive compensation from issuers for participating in the offering as a selling group member and/or underwriter. The compensation NFS receives from issuers when acting as both underwriter and selling group member is reflected in the “Range of Fees from Underwriting” column. When NFS acts as underwriter but securities are sold through other selling group members, NFS receives the Underwriting Fees minus the Selling Group fees. BONDS

Securities

Range of Fees from participating in Selling Group

Agency/GSE

N/A

0.05% to 1% of the investment amount

Range of Fees from Underwriting

Range of Fees from participating in Selling Group

Range of Fees from Underwriting

Corporate Notes

0.01% to 2.5% of the investment amount

0.01% to 3% of the investment amount

IPOs

3% to 4.2% of the investment amount

5% to 7% of the investment amount

Corporate Bonds

0.01% to 2.5% of the investment amount

0.05% to 3% of the investment amount

Follow-ons*

1.8% to 2.4% of the investment amount

3% to 4% of the investment amount

Municipal Bonds and Taxable Municipal Bonds

0.1% to 2% of the investment amount

0.1% to 2.5% of the investment amount

Structured Products

0.05% to 5% of the investment amount

N/A

Fixed Rate Capital

2% of the investment amount

3% of the investment amount

Securities

* A follow-on is an issuance of stock subsequent to the company’s initial public offering.

Refer to the applicable pricing supplement or other offering document for the exact percentage sales concession or underwriting discount.

Refer to the applicable pricing supplement or other offering document for the exact percentage sales concession or underwriting discount. CDs

Securities

Range of Fees from participating in Selling Group

Range of Fees from Underwriting

CDs, including CDIPs (inflation protected)

0.1% to 2% of the investment amount

0.1% to 2.5% of the investment amount

Structured Products

0.05% to 5% of the investment amount

N/A

Secondary Market Bond Transactions The offering broker, which may be NFS, may separately mark up or mark down the price of the security and may realize a trading profit or loss on the transaction. Compensation may be used to offset expenses incurred in trade processing and may not result in a profit to the firm. If NFS is not the offering broker, NFS compensation is limited to the prices above.

Page 1 of 2

Mutual Funds and Alternative Investment Funds NFS has contracted with certain mutual funds and alternative investment funds and their investment advisors or their affiliates to receive other compensation in connection with the purchase and/ or the ongoing maintenance of positions in mutual fund shares and alternative investment funds in your brokerage account. This additional annual compensation may be paid with respect to a mutual fund by the mutual fund, its investment advisor or one of its affiliates; and with respect to an alternative investment fund by the alternative investment fund sponsor or issuer. No Transaction Fee (NTF) Funds For funds participating in the NTF program, NFS typically receives compensation that can range from 0 to 50 basis points based on average daily assets. As of 12/31/2013, 91% of the mutual funds currently in the NTF program are in the 35 to 40 basis point range. All or a portion of NTF compensation may be funded with 12b-1 or shareholder service fees as described in the fund’s prospectus. Transaction Fee (TF) Funds For funds participating in the TF program, NFS receives compensation based on: (1) per-position fees that typically range from $3 to $19 per brokerage account or (2) administrative fees of 1 to 15 basis points based on average daily assets. As of 12/31/2013, 95% of the mutual funds participating in the TF program are in the $10–$19 per-position fee range. TF compensation is in addition to 12b-1 or shareholder service fees as described in the fund’s prospectus. Sales loads described in a mutual fund’s prospectus are paid to your broker/dealer and all or a portion of the other described mutual fund compensation described above may be paid to your broker/dealer. If you would like more information, call your broker/dealer.

Other Investments Unit Investment Trusts NFS makes certain new issue products available without a separate transaction fee. NFS may receive compensation from the issuer for participating in the offering as a selling group member. Fees from participating in the selling group range from 1% to 4% of the public offering price. NFS may also receive compensation for reaching certain sales levels, which range from 0.001%–0.0025% of the monthly volume sold.

Other Fees and Compensation Use of Funds Held Overnight NFS provides clearing and other related services to your introducing broker/dealer on brokerage account(s) held by your retirement plan (“accounts”). As compensation for services provided with respect to accounts, NFS receives use of: amounts from the sale of securities prior to settlement; amounts that are deposited in the accounts before investment; and disbursement amounts made by check prior to the check being cleared by the bank on which it was drawn. Any above amounts will first be netted against outstanding account obligations. The use of such amounts may generate earnings (or “float”) for NFS or instead may be used by NFS to offset its other operational obligations. Information concerning the time frames during which NFS may have use of such amounts and rates at which float earnings are expected to accrue is provided as follows:

(1) Receipts. Amounts that settle from the sale of securities or that are deposited into an account (by wire, check, ACH (Automated Clearing House) or other means) will generally be invested in the account’s core account investment vehicle (core account) by close of business on the business day following NFS’s receipt of such funds. NFS gets the use of such amounts from the time it receives funds until the core account purchase settles on the next business day. Note that amounts disbursed from an Account (other than as referenced in Number 2 below) or purchases made in an account will result in a corresponding “cost” to NFS. This occurs because NFS provides funding for these disbursements or purchases one day prior to the receipt of funds from the core account. These “costs” may reduce or eliminate any benefit that NFS derived from the receipts described previously. (2) Disbursements. NFS gets the use of amounts disbursed by check from Accounts from the date the check is issued by NFS until the check is presented and paid. (3) Float Earnings. To the extent that such amounts generate float earnings, such earnings will generally be realized by NFS at rates approximating the Target Federal Funds Rate. Bank Deposit Sweep Program The Bank Deposit Sweep Program may create financial benefits for NFS, the program administrator, and your broker/dealer, who may also share fees with your investment representative. NFS fees are attributable to recordkeeping, transaction processing, settlement, reporting, bank management and other services in support of the bank sweep program. Fees are either calculated against average program balances or as a monthly, per account fee, which may be up to $4.25 per month. Fees calculated based on average balance may vary but will not typically exceed 75 bps. The program administrator performs certain recordkeeping, compliance and administrative services in support of the bank sweep program. The program administrator fee is calculated against average program balances. Your broker/dealer may receive a fee which is either calculated against average program balances or is a flat, per account fee. Due to the variability of interest rates, specific fees and revenues fluctuate. You may contact your investment representative or broker/ dealer for details on the rates associated with the Bank Deposit Sweep Program and your plan. Annuity Purchase Processing NFS has contracted with certain insurance companies, their investment advisors or their affiliates to receive other compensation in connection with processing annuity purchases and/or the ongoing valuation reporting of annuity contracts purchased through your brokerage account. The additional compensation may be paid by the insurance company, its investment advisor, or one of its affiliates. NFS receives $4.50–$25.00 per purchase and/or annual basis points fees based on the accumulated annuity account contract value provided to NFS that typically range from 0 to 4 basis points. Contact your broker/dealer for more information. Note: Annuity purchases are not available in Premiere Select Profit Sharing or Money Purchase Pension Plan accounts. Premiere Select® Profit Sharing or Money Purchase Pension Plan account A $35 annual maintenance fee may be paid separately or collected from the balances in Premiere Select Profit Sharing and Money Purchase Plan accounts and a $95 NFS termination fee may be charged if an account is fully distributed.

National Financial Services LLC, Member NYSE, SIPC

1.940135.105 - 596692.6.0 (12/13)

Page 2 of 2

Instructions to Complete Your Margin Application

STEP 1:

Complete ALL sections of the enclosed Margin Account Privileges Supplemental Application and Disclosure of Credit Terms (NFS Copy). Incomplete or missing information may cause a delay in processing your application. NOTE: Each Power of Attorney (POA) must also complete and return a Margin Account Privileges Supplemental Application, Disclosure of Credit Terms and the Durable Power of Attorney Affidavit and Indemnification

STEP 2:

Sign and Return pages 1 through 6 [Margin Account Privileges Supplemental Application, Disclosure of Credit Terms (NFS Copy), and Margin Account Agreement (NFS Copy)].

STEP 3:

If your existing account has one of the following registration types, please complete and enclose the additional appropriate supplement: Registration

Supplement Needed

Trust Account

Trustee Certification of Investment Powers

Corporate Account

Corporate and Unincorporated Organization Resolution and Certification of Beneficial Owners(s) and Control Person for Existing Investment Corporation/Partnership/ Limited Liability Company Accounts Form

Partnership

Partnership Agreement and Certification of Beneficial Owners(s) and Control Person for Existing Investment Corporation/Partnership/ Limited Liability Company Accounts Form

Limited Liability Company

Limited Liability Company Agreement and Certification of Beneficial Owners(s) and Control Person for Existing Investment Corporation/Partnership/ Limited Liability Company Accounts Form

STEP 4:

Please keep the Margin Account Agreement and the Disclosure of Credit Terms (Customer Copy), pages 7-11.

If you have questions, please call us at 210-531-USAA (8722), our mobile shortcut #8722 or 800-531-8722.

98070-0617

Margin Account Privileges

PO Box 659453 San Antonio, Texas 78265-9825

Supplemental Application

Use this form to apply for margin trading on a new or existing brokerage account. Complete all pages of this form and sign the Disclosure of Credit Terms. In order for your application to be considered, you must return the Disclosure of Credit Terms marked NFS copy and keep the customer copy. Print out and fill in using CAPITAL letters and black ink. If you need more room for information or signatures, use a copy of the relevant page or a blank sheet.

Account Number   New brokerage account

(To be completed by USAA Investment Management Company)

Brokerage Account Number

  Existing brokerage account

(To be completed by you)

Brokerage Account Number

Personal Information A. Account Owner/Trustee USAA Number

First Name

MI

Last Name

Suffix

Last Name

Suffix

Last Name

Suffix

B. Additional Owner/Co-Trustee/Authorized Individual USAA Number

First Name

MI

C. Additional Owner/Co-Trustee/Authorized Individual USAA Number

First Name

MI

D. Trust/Corporation/Partnership/LLC Name USAA Number

Name of Entity

Company Affiliations Check the appropiate box if any of these scenarios apply to you. You are registered with or employed by a Financial Industry Regulatory Authority (“FINRA”) member firm (“associated person”), you are the spouse of an associated person, you are a child who resides in the same household or is financially dependent on the associated person, you are related to an associated person who has control over your account or an associated person materially contributes financial support to you and has control over your account, or you are affiliated with or employed by FINRA, any other self-regulatory organization (“SRO”) or a municipal securities dealer. Firm Name:

   A.  Account Owner/Trustee

Firm Address

City

State

  B.  Additional Owner/Co-Trustee/Authorized Individual

Firm Address

State

Firm Address

Firm Address

Zip Code

Firm Name:

City

State

  D.  Additional Owner/Co-Trustee/Authorized Individual

Firm Name:

City

  C.  Additional Owner/Co-Trustee/Authorized Individual

Zip Code

Zip Code

Firm Name:

City

State

Zip Code

Margin credit is extended by National Financial Services LLC, Member NYSE, SIPC

1-800-531-USAA (8722) 

m 

Fax 1-800-292-8177 

m usaa.com

1.903621.105 [BEM 03/18] - 534803.6.0 (03/17)

1.903621.105     [BEM]

Page 1 of 11

98063-0318

022910301

Acknowledgements Check all that apply if you are a control person or affiliate or an immediate family/household member of a control person or affiliate of a publicly traded company under SEC Rule 144 (this would include, but is not limited to, a director, 10% shareholder, policymaking officer, and members of the board of directors). A.  Account Owner/Trustee

 Director     Policy Maker     10% Shareholder



Company Name:

Company CUSIP or Symbol:

B.  Additional Owner/Co-Trustee/Authorized Individual

 Director     Policy Maker     10% Shareholder



Company Name:

Company CUSIP or Symbol:

C.  Additional Owner/Co-Trustee/Authorized Individual

 Director     Policy Maker     10% Shareholder



Company Name:

Company CUSIP or Symbol:



Company CUSIP or Symbol:



D.  Additional Owner/Co-Trustee/Authorized Individual

 Director     Policy Maker     10% Shareholder



Company Name:

Financial Information Required by industry regulations to obtain this information. Annual Income 

Net Worth

Liquid Assets

Tax Bracket

Primary Investment Objective (select one)

  $0 - $24,999   $25,000 - $49,999   $50,000 - $99,999   Over $100,000

  $0 - $34,999   $35,000 - $49,999   $50,000 - $249,999   $250,000 and over

  $0 - $9,999   $10,000 - $19,999   $20,000 - $99,999   $100,000 and over

  Capital Preservation 

$ (combined for joint owners)

$ Approximate Net Worth excluding primary residence (combined for joint owners)

$ Total assets that are cash or are easily converted to cash for all account owners.

 10%   12%  22%  24%  32%  35%  37%

 Growth  Income

 

Note: Return pages 1- 6 including the signed Disclosure of Credit Terms and Margin Account Agreement marked “NFS Copy”.

Page 2 of 11

98063-0318

Disclosure of Credit Terms on Transactions NFS Copy Dear Customer: Securities and Exchange Commission Rule 10b-16 requires a broker who extends credit to a customer in connection with any security transaction to furnish the customer specified information describing the terms, conditions and methods pursuant to which interest charges are made to customers’ accounts. This statement is sent to you in conformity with that rule. Interest will be charged on all accounts for any credit extended to or maintained for customers by the firm for the purpose of purchasing, carrying or trading in securities or otherwise. The annual rate of interest you will be charged may vary from a minimum of 3.25% to a maximum of 6.5% above the brokers’ call money rate, depending upon the amount of your average debit balance. Current rates are as follows: Average Debit Balance  $0 — $49,999.99  $50,000 — $249,999.99  $250,000 — $999,999.99  $1,000,000 and over

Interest to be Charged Above Brokers’ Call Money Rate 6.50% 5.40% 4.50% 3.25%

USAA Number

If there is a decline in the market value of the securities or other assets which are collateral for your debits, it may be necessary for us to request additional margin. Ordinarily, a request for additional margin will be made when the equity in the margin account (the market value of the securities in the account in excess of the debit balances) falls below our margin maintenance requirements, which may change from time to time without notice. We retain the right to require additional margin any time we deem it desirable. Margin calls can be met by delivery of cash or additional securities. Other Charges. Separate charges at an annual rate of 6.50% above brokers’ call money rate may be made in the Type 1-Cash Account in connection with: a)

 repayments (by approval only) — payments to a customer of the proceeds P of a security sale before the regular settlement date.

b) “  When-Issued” transactions — when the market price of the “when-issued” security deteriorates from the customer’s contract price by an amount that exceeds the customer’s cash deposit, interest may be charged on such excess. c)

The Servicemembers Civil Relief Act (the “Act”) grants servicemembers a maximum margin interest rate of 6% during their period of military service (as defined in the Act). You must notify USAA Financial Advisors Inc. of your period of military service to obtain this benefit. Please note that, outside of your period of military service, interest rates will be as otherwise described herein.

L ate payments — payments for securities purchased which are received past settlement date. Interest Computation. Interest on debit balances is computed by multiplying the average daily debit balance of the account by the applicable interest rate in effect and dividing by 360, times the number of days a daily debit balance was maintained during the interest period. Interest charged during the interest period is the total of such daily computations. The daily debit balance of the account is the aggregate daily debit balance for all accounts other than your Type 3-Short and Type 9-Income Accounts. Example: Brokers’ Call Money Rate of 5.00% — Applicable Interest Rate 11.5% Date June 17 June 18 June 19 June 20

In determining the daily debit balance and the resulting rate of interest we will combine the margin account balances in all accounts, except Type 3-Short Accounts and Type 9-Income Accounts. Interest is then computed for each account based on the rate resulting from averaging the daily debit balances during the interest period. Your rate of interest will be changed without notice in accordance with changes in the brokers’ call money rate and in your average debit balance. When your interest rate is to be increased for any other reason, you will be given at least 30 days’ written notice. If brokers’ call is expressed as a range, NFS may apply the highest end of the range. Your monthly statement will show the dollar amount of interest and the interest rate charged to your account. There will be no interest charge reflected on your statement if your monthly charge is less than $1.00. An interest cycle will cover the period beginning with the first business day following the 20th of each month. All securities or other property held by us in any of your accounts are collateral for any debit balances. A lien is created by those debits to secure the amount of money owed to us. This means securities or other assets in any of your accounts can be sold, withdrawn, transferred or converted to reduce or liquidate entirely any debit balances in your accounts, as authorized in your Margin Account Agreement.

Daily Debit Balance $ 0 5,000 10,500 8,000

Total of 3 Days $23,500 $23,500 divided by 3 equals 7,833 (daily average balance), times 11.5% (applicable rate) divided by 360 equals $2.50 (the daily interest charge), times 3 (the number of days account had a net debit balance during the interest period) equals an interest charge of $7.51. Marking to Market. The credit balance in the Type 3-Short Account will be decreased or increased in accordance with the corresponding market values of all short positions. Corresponding debits or credits will be posted to the Type 2-Margin Account. These entries in the Type 2-Margin Account will, of course, affect the balance on which interest is computed. Credits in your Type 3-Short Account, other than Marking to Market, will not be utilized to offset your Type 2-Margin Account balance for interest computation.

Notice to Customers Financial Industry Regulatory Authority, Inc. rule 4311 requires that your Broker/Dealer and NFS allocate between them certain functions regarding the administration of your brokerage account. The following is a summary of the allocation services performed by your Broker/Dealer and NFS. A more complete description is available upon request. Your Broker/Dealer is responsible for: (1) obtaining and verifying brokerage account information and documentation, (2) opening, approving and monitoring your brokerage account, (3) transmitting timely and accurate instructions to NFS with respect to your brokerage account, (4) determining the suitability of investment recommendations and advice, (5) operating and supervising your brokerage account and its own activities in compliance with applicable laws and regulations, including compliance with margin rules pertaining to your margin account, and (6) maintaining of required books and records for the services it performs. NFS shall, at the direction of your Broker/Dealer: (1) execute, clear and settle transactions processed through NFS by your Broker/Dealer, (2) prepare and send transaction confirmations and periodic statements of your brokerage account (unless your Broker/Dealer has undertaken to do so). Certain pricing and other information may be provided by your Broker/Dealer or obtained from third parties, which has not been verified by NFS, (3) act as custodian for funds and securities received by NFS on your behalf, (4) follow the instructions of your Broker/Dealer with respect to transactions and the receipt and delivery of funds and securities for your brokerage account, and (5) extend margin credit for purchasing or carrying securities on margin. Your Broker/Dealer is responsible for ensuring that your brokerage account is in compliance with federal, industry and NFS margin rules, and for advising you of margin requirements. NFS shall maintain the required books and records for the services it performs. BY SIGNING THIS APPLICATION I ACKNOWLEDGE THAT MY SECURITIES MAY BE LOANED TO YOU OR OTHERS AND THAT I HAVE READ AND RETAINED A COPY OF THE MARGIN DISCLOSURE STATEMENT AND MARGIN AGREEMENT. I understand that this account is governed by a pre-dispute arbitration agreement which appears on the last page of the Margin Account Agreement.

X X

1. ACCOUNT HOLDER/TRUSTEEDATE mm/dd/yyyy

2. J OINT ACCOUNT HOLDER/CO-TRUSTEE/AUTHORIZED INDIVIDUAL SIGNATURE (IF ANY)

DATE mm/dd/yyyy

X X

3. J OINT ACCOUNT HOLDER/CO-TRUSTEE/AUTHORIZED INDIVIDUAL SIGNATURE (IF ANY)

DATE mm/dd/yyyy

4. J OINT ACCOUNT HOLDER/CO-TRUSTEE/AUTHORIZED INDIVIDUAL SIGNATURE (IF ANY)

DATE mm/dd/yyyy

National Financial Services LLC, Member NYSE, SIPC

1.815879.105 [BEM 06/17] - 403313.6.0 (08/11) Page 3 of 11

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022930201

Margin Account Agreement To: Introducing Broker/Dealer: (My “Broker/Dealer”) and National Financial Services LLC (“NFS” or “you”) Broker/Dealer

USAA Financial Advisors Inc. Through the courtesy of: USAA Investment Management Company.

NFS Copy

USAA Number

following a purchase made in that brokerage account, excess funds available in any of my brokerage accounts, including, but not limited to, any free balances in any margin account, sufficient to make full payment of this cash purchase. I agree that any debit occurring in any of my brokerage accounts may be transferred by you at your option to my margin account. In return for your extension or maintenance of credit in connection with my account, I acknowledge that the securities in my margin account, together with all attendant rights of ownership, may be lent to you or lent by you to others. In connection with such loans and in connection with securities loans made to me to facilitate short sales, you may receive and retain certain benefits to which I will not be entitled. Such loans may limit, in whole or in part, my ability to exercise voting rights and/or my entitlement to interest, dividends, and/or other distributions with respect to the securities lent. I understand that, while a security in my account is lent to you or to others, the borrower or the party to whom the borrower has sold the security may be entitled to interest, dividends, and/or other distributions and I may be allocated and receive substitute payments in lieu of such interest, dividends, and/or other distributions. I understand that substitute payments may not be afforded the same tax treatment as actual interest, dividends, and/or other distributions, and that I may incur additional tax liability for substitute payments that I receive. NFS may allocate substitute payments in any manner permitted by law, rule, or regulation, including, but not limited to, by means of a lottery allocation method. I acknowledge that I am not entitled to any compensation in connection with securities lent from my account or for additional taxes I may be required to pay as a result of any tax treatment differential between substitute payments and actual interest, dividends, and/ or other distributions. With the risk of loss being unlimited with short sales, I am aware of any and all risks associated with short sales. I also understand that my Broker/Dealer reserves the right to pass along any fees associated with short sale transactions and interest related to borrowing of securities to cover short sales to me.

1. I agree as follows with respect to all of my brokerage accounts, in which I have an interest alone or with others, which I have opened or will open in the future, with you through my Broker/Dealer for the purchase and sale of securities. I hereby acknowledge that I have read, understand and agree to the terms set forth below. Upon acceptance of my application(s); I understand my Broker/Dealer will maintain an account for me at NFS, and my Broker/Dealer may buy or sell securities or other products according to my instructions. All decisions relating to my investment or trading activity shall be made by me, my Broker/Dealer or my duly authorized representative. Any information provided in this brokerage account application and agreement will be subject to verification, and I authorize you or my Broker/Dealer to obtain a credit report about me at any time. Upon written request, NFS or my Broker/Dealer will provide the name and address of the credit reporting agency used. I authorize NFS and my Broker/Dealer to exchange credit information about me. My Broker/ Dealer and you also may tape record conversations with me in order to verify data concerning any transactions I request, and I consent to such recording. I also understand that my brokerage account(s) is carried by NFS, and that all terms of this Agreement also apply between me and NFS. I have carefully examined my financial resources, investment objectives, tolerance for risk along with the terms of the margin agreement and have determined that margin financing is appropriate for me. I understand that investing on margin involves the extension of credit to me and that my financial exposure could exceed the value of securities in my account. I agree to notify my Broker/Dealer in writing of any material changes in my financial circumstances or 5. I will maintain such margins as you require in your discretion at any investment objectives. NFS may use certain securities in my account time and will pay on demand any debit balance owing on any of in connection with short sales and may receive compensation in my brokerage accounts. If any brokerage account is liquidated in connection therewith. For the purposes of this Agreement, assets in whole or in part by you or me to satisfy the debt, I will be liable to any FDIC-Insured Bank Deposit Sweep Program are deemed to be you for any deficiency and shall make payment of such deficiency part of your brokerage account and are treated as cash deposits. on demand. Whenever in your discretion you deem it desirable for 2. I am of legal age in the state in which I reside and represent that, your protection (and without the necessity of a margin call), including except as otherwise disclosed to you in writing, I am not an employee but not limited to extreme market volatility or trading volumes, an of any Exchange or of a Member Firm of any Exchange or the Financial instance where a petition in bankruptcy or for the appointment of a Industry Regulatory Authority (FINRA) and that I will promptly notify receiver is filed by or against me, or an attachment is levied against you if I become so employed. I am not employed as a director, 10% my brokerage account, or in the event of notice of my death or incashareholder, or policy making executive officer of a publicly traded pacity, or in compliance with the orders of the Exchange, you may, company and I will promptly notify you if I become so employed. without prior demand, tender, and without any notice of the time or place of sale, all of which are expressly waived, sell any or all of 3. All transactions are subject to the constitution, rules, regulations, cussecurities or related contracts that may be in your possession, at your toms, and usages of the exchange, market or clearinghouse where selection, or which you may be carrying for me, or buy any securities, executed, as well as to any applicable federal or state laws, rules and or related contracts relating thereto of which my brokerage account regulations. or brokerage accounts may be short, in order to close out in whole or 4. Any credit balances, including, but not limited to, any funds held at any in part any commitment in my behalf. You may also place stop orders Bank pursuant to any FDIC-Insured Bank Deposit Sweep Program, as with respect of such securities and such sale or purchase be made at described in the Customer Account Agreement, or any amendment your discretion on any exchange including before or after hours marthereto, securities, assets or related contracts, and all other property kets or other markets where such business is then transacted, or at in which I may have an interest held by you or carried for my brokerpublic auction or private sale, with or without advertising, and neither age accounts shall be subject to a general lien for the discharge of my any demands, calls, tenders or notices which you may make or give obligations to you (including unmatured and contingent obligations) in any one or more instances nor any prior course of conduct or dealand you may sell, transfer, convert, withdraw, or assign such assets or ings between us shall invalidate the aforesaid waivers on my part. You property to satisfy a margin deficiency or other obligation whether or shall have the right to purchase for your own account any or all of the not you have made advances with respect to such property. Without aforesaid property at such sale, discharged of any right of redempnotice to me, such property may be carried in your general loans, and tion which is hereby waived. all your securities may be pledged, repledged, hypothecated or rehypothecated, separately or in common with other securities or any other 6. In the absence of a specific demand, all transactions in any of my brokerage accounts are to be paid for, securities delivered or property for the sum due to you or for a greater sum, and without required margin deposited, no later than 2 p.m. Eastern Time on retaining in your possession and control for delivery a like amount of the settlement date, and I agree to deliver my securities I have in similar securities or other property. At any time in your discretion, you my possession in sufficient time to be received by my Broker/Dealer may, without notice to me, apply and/or transfer any securities, related one day before settlement date. My Broker/Dealer and NFS reserve contracts, cash or any other property, interchangeably between my the right to cancel or liquidate at my risk any transaction not timely brokerage accounts, including, but not limited to, any funds held at settled. Margin calls are due on the date indicated regardless of the any Bank pursuant to any FDIC-Insured Bank Deposit Sweep Program, settlement date of the transaction. For most stocks and bonds, the as described in the Customer Account Agreement, and any amendsettlement date is the second business day following the trade date. ment thereto, whether individual or joint, from any of my brokerage Settlement dates for U.S. government issues vary. Options settle on accounts to any brokerage account guaranteed by me. You are specifithe next business day. Interest will be charged on any debit balance cally authorized to transfer to my cash account, on the settlement day Page 4 of 11

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which remains in my brokerage account past the settlement date as representation on my part that I own the security and that I have explained in the Disclosure of Credit Terms on Transactions section of delivered or will deliver by settlement date such security to you. this Agreement. 10. Communications by mail, telegraph, messenger or otherwise sent 7. My Broker/Dealer or NFS transmits customer orders for executo me at the address of record listed on the application or any other tion to various exchanges or market centers based on a number of address I may give my Broker/Dealer in writing, are presumed to be factors. These include: size of order, trading characteristics of the delivered and received by me, whether actually received or not. A security, favorable execution prices (including the opportunity for statement of all transactions will be mailed to the address of record, price improvement), access to reliable market data, availability of monthly or quarterly, depending on activity. I understand that I should efficient automated transaction processing and reduced execution promptly and carefully review the transaction confirmations and pericosts through price concessions for the market centers. Certain of the odic brokerage account statements and notify my Broker/Dealer of market centers may execute orders at prices superior to the publicly any errors. Information contained on transaction confirmations and quoted market in accordance with their rules or practices. While periodic brokerage account statements is conclusive unless I object in a customer may specify that an order be directed to a particular writing within five and ten days respectively, after transmitting to me. market center for execution*, the order-routing policies, taking into 11. I am liable for payment upon demand of any debit balance or other consideration all of the factors listed above, are designed to result in obligation owed in any of my accounts or any deficiencies followfavorable transaction processing for customers. ing a whole or partial liquidation, and I agree to satisfy any such My Broker/Dealer and NFS receive remuneration, compensation or other consideration for directing customer orders for equity securities to particular broker/dealers or market centers for execution. Such consideration, if any, takes the form of financial credits, monetary payments, or reciprocal business.

*Note: Orders placed through any telephone, electronic or on-line trading systems cannot specify a particular market center for execution. 8. I agree to be charged interest on any credit you extend to or maintain for me for purchasing, carrying or trading securities. The calculation methodology for the annual rate of interest I will be charged is described in the attached Disclosure of Credit Terms. Interest on U.S. Dollar balances is calculated monthly according to my average debit balance for the month, and a base rate, set at the discretion of my Broker/Dealer with references to commercially recognizable interest rates, industry conditions regarding the extension of margin credit and general credit conditions. Interest rates will vary according to changes to my average debit balance and my base rate, and therefore may change without notice to me. If rates change during the month, separate charges will be shown for each interest period under the different rate. Interest on International balances is calculated daily according to actual daily debit balances during the month and the interest rate applicable to each currency in the account. Interest rates will vary according to actual daily debit balances and applicable international interest rates, and therefore may change without notice to me. Separate charges will be shown for each currency in the account at the end of the month. Calculated by computer, the interest on combined balances from all cash and margin accounts (except Type 3 Short and Type 9 Income accounts) is arrived at by multiplying the average debit balance for U.S. dollar balances by the effective rate of interest, dividing by 360, and multiplying by the number of days a daily debit balance was maintained during the interest period. Interest from International balances are calculated by multiplying the daily debit of International balances by the effective rate of interest, dividing by 360 and summing for each day a daily debit balance was maintained. You may request additional collateral in the form of marginable securities or cash whenever you deem it necessary or advisable in your sole discretion, or if there is a decline in the market value of securities in the margin account. All assets in any of my brokerage accounts, including, but not limited to, any funds held at any Bank pursuant to any FDICInsured Bank Deposit Sweep Program, as described in the Customer Account Agreement, or any amendments thereto, are collateral for debit balances in this brokerage account, and a lien is created by these debits to secure the amount owed you. This means assets in these brokerage accounts can be sold, withdrawn, transferred, or converted by you to redeem or liquidate any debit balances in this brokerage account. You reserve the right to increase maintenance requirements and to request additional collateral at any time at your discretion. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from a public assistance program, or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is: Securities and Exchange Commission, 100 F Street, NE, Washington, DC 20549. 9. I agree that, in giving orders to sell, all “short” sale orders will be designated as “short” and all “long” sale orders will be designated as “long” and that the designation of a sell order as “long” is a

demand or obligation. Interest will accrue on any such deficiency at prevailing margin rates until paid. I agree to reimburse my Broker/ Dealer and NFS for all reasonable costs and expenses incurred in the collection of any debit balance or unpaid defi ciency in any of my brokerage accounts, including, but not limited to, attorneys’ fees. By signing this Agreement, I hereby grant to NFS and its affiliates, to secure the payment and performance in full of all of the Obligations (as hereinafter defined), a security interest in and pledge and assign to NFS and its affiliates the following properties, assets and rights, whether now owned or hereafter acquired or arising, whether individually or jointly owned and/or held by me with others, and all proceeds and products thereof (all of the same being hereinafter called the “Property”): any and all securities other investment properties (including investment company securities and securities accounts), monies, credit balances, assets or related contracts and deposit accounts, including, but not limited to, any funds held at any Bank pursuant to any FDIC-Insured Bank Deposit Sweep Program, as described in the Customer Account Agreement, and any amendment thereto, to the extent any of the foregoing may now or hereafter be (i) held, carried and/or maintained by NFS and/or any of its affiliates, (ii) held, carried or maintained by NFS and/or any of its affiliates through any correspondent broker/dealer of NFS (“broker/dealer”), (iii) in the possession or control of NFS or any of its affiliates for any purpose, including for safekeeping, or (iv) held, carried or maintained or in the possession or control of the Fidelity Group of Funds Fidelity Service Company, Inc., as a transfer agent for the Fidelity Group of Funds or any sub transfer agent of the Fidelity Group of Funds. All terms defined in the Uniform Commercial Code of the Commonwealth of Massachusetts and used herein shall have the same definitions herein as specified therein; however, if a term is defi ned in Article 9 of the Uniform Commercial Code of the Commonwealth of Massachusetts differently than in another Article of the Uniform Commercial Code of the Commonwealth of Massachusetts, the term has the meaning specified in Article 9. For purposes hereof, the term “Obligations” shall mean any and all indebtedness, liabilities or other obligations (including unmatured and contingent obligations) now or hereafter owed by me to NFS, any of NFS’s affiliates or any broker/dealer, including, but not limited to, any such indebtedness liabilities or other obligations arising under this Agreement. If a default shall have occurred and be continuing, NFS and its affiliates, without any other notice to or demand upon me, shall have in any jurisdiction in which enforcement hereof is sought, in addition to all other rights and remedies, the rights and remedies of a secured party under Article 9 of the Uniform Commercial Code of the Commonwealth of Massachusetts and any additional rights and remedies as may be provided to a secured party in any jurisdiction in which Property is located, including, without limitation the right to take possession of the Property. Without limiting the foregoing, I understand that in the event any Obligation remains unpaid after payment is requested of me, NFS shall have the right to sell, liquidate, transfer, withdraw, convert or assign such Property to satisfy any such Obligation whether or not NFS has made advances with respect to such Property. No further demand or notice shall be required prior to taking such an action. NFS shall have the discretion to determine which Property is to be sold, liquidated, transferred, withdrawn, converted, or assigned. Neither NFS nor any of its affiliates shall be required to marshal any present or future collateral security (including but not limited to the Property) for, or other assurances of payment of, the Obligations or any of them or resort to such collateral security or other assurances of payment in any particular order.

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I agree to cooperate with NFS and its affiliates and to execute such further instruments and documents as NFS or its affiliates shall reasonably request to carry out to their satisfaction the transactions contemplated by this Agreement. 12. My Broker/Dealer and NFS are not liable for any losses caused directly or indirectly by government restrictions, exchange or market rulings, suspension of trading, war, strikes or other conditions beyond their control, including, but not limited to, extreme market volatility or trading volumes. 13. No waiver of any provision of this Agreement shall be deemed a waiver of any other provision, nor a continuing waiver to the provision or provisions so waived. 14. No provision of this Agreement can be amended or waived except in writing signed by an officer of NFS. This Agreement will remain in effect until its termination by me is acknowledged in writing by an authorized representative of NFS; or until written notice of termination by you shall have been mailed to me at my address last given to you. I will remain responsible for all charges, debit items, or other transactions initiated or authorized by me, whether arising before or after termination. 15. This Agreement and its enforcement shall be governed by the laws of the Commonwealth of Massachusetts; shall cover individually and collectively all brokerage accounts that I may maintain with NFS; shall inure to the benefit of my Broker/Dealer’s or your successors and assigns whether by merger, consolidation or otherwise and my Broker/Dealer and you may transfer my account to my Broker/Dealer’s or your successors and assigns; and shall be binding on my heirs, executors, administrators, successors, and assigns.

has been submitted by all parties to the panel at least 20 days prior to the first scheduled hearing date. (E) T  he panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with the securities industry. (F) T  he rules of some arbitration forums may impose time limits for bringing a claim in arbitration. In some cases, a claim that is ineligible for arbitration may be brought in court. (G) T  he rules of the arbitration forum in which the claim is filed, and any amendments thereto, shall be incorporated into this agreement. All controversies that may arise between me, my Broker/Dealer and NFS concerning any subject matter, issue or circumstance whatsoever (including, but not limited to, controversies concerning any account, order or transaction, or the continuation, performance, interpretation or breach of this or any other agreement between me, my Broker/Dealer and NFS whether entered into or arising before, on or after the date this account is opened) shall be determined by arbitration in accordance with the rules then prevailing of the Financial Industry Regulatory Authority (FINRA) or any United States securities self-regulatory organization or United States securities exchange of which the person, entity or entities against whom the claim is made is a member, as I may designate. If I designate the rules of a United States self-regulatory organization or United States securities exchange and those rules fail to be applied for any reason, then I shall designate the prevailing rules of any other United States securities self-regulatory organization or United States securities exchange of which the person, entity or entities against whom the claim is made is a member. If I do not notify you and/or my Broker/Dealer in writing of my designation within five (5) days after such failure or after I receive from you a written demand for arbitration, then I authorize my Broker/Dealer and/or NFS to make such designation on my behalf. The designation of the rules of a United States self-regulatory organization or United States securities exchange is not integral to the underlying agreement to arbitrate. I understand that judgment upon any arbitration award may be entered in any court of competent jurisdiction.

16. If any provision of this Agreement is or at any time should become inconsistent with any present or future law, rule or regulation of any entity having regulatory jurisdiction over it, that provision will be superseded or amended to conform with such law, rule or regulation, but the remainder of this Agreement shall continue and remain in full force and effect notwithstanding any other provisions contained in this Agreement. No provision of this Agreement concerning liens or security interests shall apply to the extent the application would be in conflict No person shall bring a putative or certified class action to arbitrawith any provisions of ERISA or the Internal Revenue Code or any tion, nor seek to enforce any predispute arbitration agreement related rules, regulations, or guidance. against any person who has initiated in court a putative class action; 17. If the undersigned shall consist of more than one brokerage account or who is a member of a putative class who has not opted out of holder, their obligations and liabilities under this Agreement shall be the class with respect to any claims encompassed by the putative joint and several and may be enforced by my Broker/Dealer or NFS class action until: (i) the class certification is denied; or (ii) the class is decertified; or (iii) the customer is excluded from the class by the against any or all brokerage account holders. court. Such forbearance to enforce an agreement to arbitrate shall 18. I understand that you may deliver margin calls and other notices to not constitute a waiver of any rights under this agreement except to my Broker/Dealer for the sole purpose of collection of my obligathe extent stated herein. tions under this Agreement. I agree to the foregoing and further You are hereby authorized to lend, hypothecate or re-hypothecate understand that my Broker/Dealer may act on your behalf with separately or with the property of others, either to yourselves or to othrespect to margin calls in your discretion. ers, any property you may be carrying for me on margin. NFS may use 19. I represent that I have read and understand the Disclosure of certain securities in my account in connection with short sales and may Credit Terms on Transactions. I further understand that they may be receive compensation in connection therewith. This authorization shall amended from time to time. apply to all my brokerage accounts you carry and shall remain in full force until you receive from my Broker/Dealer written notice of my revo20. Pre-Dispute Arbitration Agreement cation at your principal offices. This agreement contains a pre-dispute arbitration clause. By signing I represent that I have read the terms and conditions concerning an arbitration agreement, the parties agree as follows: this account and agree to be bound by such terms and conditions (A) All parties to this agreement are giving up the right to sue each as currently in effect and as may be amended from time to time. other in court, including the right to a trial by jury, except as proThis account is governed by a Pre-Dispute Arbitration Clause which vided by the rules of the arbitration forum in which a claim is filed. appears in paragraph 20 on pages 6 and 9 of this Agreement. (B) A  rbitration awards are generally fi nal and binding; a party’s ability to I acknowledge receipt of the Pre-Dispute Arbitration Clause, the Disclosure of Credit Terms on transactions, and Margin Disclosure have a court reverse or modify an arbitration award is very limited. Statement. (C) T  he ability of the parties to obtain documents, witness statements and other discovery is generally more limited in arbitration than in court proceedings. (D) The arbitrators do not have to explain the reason(s) for their award unless, in an eligible case, a joint request for an explained decision Margin credit extended by National Financial Services LLC, Member NYSE, SIPC

National Financial Services LLC, Member NYSE, SIPC 

1.903621.105 [BEM 09/17] - 534803.6.0 (03/17) Page 6 of 11

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Margin Account Agreement Customer Copy To: My Broker/Dealer and National Financial Services LLC (“NFS” or “you”) Introducing Broker/Dealer Broker/Dealer

USAA Financial Advisors Inc. Through the courtesy of: USAA Investment Management Company.

my brokerage accounts to any brokerage account guaranteed by me. You are specifically authorized to transfer to my cash account, on the settlement day following a purchase made in that brokerage account, excess funds available in any of my brokerage accounts, including, but not limited to, any free balances in any margin account, sufficient to make full payment of this cash purchase. I agree that any debit occurring in any of my brokerage accounts may be transferred by you at your option to my margin account. In return for your extension or maintenance of credit in connection with my account, I acknowledge that the securities in my margin account, together with all attendant rights of ownership, may be lent to you or lent by you to others. In connection with such loans and in connection with securities loans made to me to facilitate short sales, you may receive and retain certain benefi ts to which I will not be entitled. Such loans may limit, in whole or in part, my ability to exercise voting rights and/or my entitlement to interest, dividends, and/or other distributions with respect to the securities lent. I understand that, while a security in my account is lent to you or to others, the borrower or the party to whom the borrower has sold the security may be entitled to interest, dividends, and/or other distributions and I may be allocated and receive substitute payments in lieu of such interest, dividends, and/or other distributions. I understand that substitute payments may not be afforded the same tax treatment as actual interest, dividends, and/or other distributions, and that I may incur additional tax liability for substitute payments that I receive. NFS may allocate substitute payments in any manner permitted by law, rule, or regulation, including, but not limited to, by means of a lottery allocation method. I acknowledge that I am not entitled to any compensation in connection with securities lent from my account or for additional taxes I may be required to pay as a result of any tax treatment differential between substitute payments and actual interest, dividends, and/or other distributions. With the risk of loss being unlimited with short sales, I am aware of any and all risks associated with short sales. I also understand that my Broker/Dealer reserves the right to pass along any fees associated with short sale transactions and interest related to borrowing of securities to cover short sales to me.

1. I agree as follows with respect to all of my brokerage accounts, in which I have an interest alone or with others, which I have opened or will open in the future, with you through my Broker/Dealer for the purchase and sale of securities. I hereby acknowledge that I have read, understand and agree to the terms set forth below. Upon acceptance of my application(s); I understand my Broker/Dealer will maintain an account for me at NFS, and my Broker/Dealer may buy or sell securities or other products according to my instructions. All decisions relating to my investment or trading activity shall be made by me, my Broker/Dealer or my duly authorized representative. Any information provided in this brokerage account application and agreement will be subject to verification, and I authorize you or my Broker/Dealer to obtain a credit report about me at any time. Upon written request, NFS or my Broker/Dealer will provide the name and address of the credit reporting agency used. I authorize NFS and my Broker/Dealer to exchange credit information about me. My Broker/Dealer and you also may tape record conversations with me in order to verify data concerning any transactions I request, and I consent to such recording. I also understand that my brokerage account(s) is carried by NFS, and that all terms of this Agreement also apply between me and NFS. I have carefully examined my financial resources, investment objectives, tolerance for risk along with the terms of the margin agreement and have determined that margin financing is appropriate for me. I understand that investing on margin involves the extension of credit to me and that my financial exposure could exceed the value of securities in my account. I agree to notify my Broker/Dealer in writing of any material changes in my financial circumstances or investment objectives. NFS may use certain securities in your account in connection with short sales and may receive compensation in connection therewith. 5. I will maintain such margins as you require in your discretion at any For the purposes of this Agreement, assets in any FDIC-Insured Bank time and will pay on demand any debit balance owing on any of Deposit Sweep Program are deemed to be part of your brokerage my brokerage accounts. If any brokerage account is liquidated in account and are treated as cash deposits. whole or in part by you or me to satisfy the debt, I will be liable to you for any deficiency and shall make payment of such deficiency 2. I am of legal age in the state in which I reside and represent that, on demand. Whenever in your discretion you deem it desirable for except as otherwise disclosed to you in writing, I am not an employee your protection (and without the necessity of a margin call), including of any Exchange or of a Member Firm of any Exchange or the Financial but not limited to extreme market volatility or trading volumes, an Industry Regulatory Authority (FINRA) and that I will promptly notify instance where a petition in bankruptcy or for the appointment of a you if I become so employed. I am not employed as a director, 10% receiver is filed by or against me, or an attachment is levied against shareholder, or policy making executive officer of a publicly traded my brokerage account, or in the event of notice of my death or incacompany and I will promptly notify you if I become so employed. pacity, or in compliance with the orders of the Exchange, you may, 3. All transactions are subject to the constitution, rules, regulations, cuswithout prior demand, tender, and without any notice of the time toms, and usages of the exchange, market or clearinghouse where or place of sale, all of which are expressly waived, sell any or all of executed, as well as to any applicable federal or state laws, rules and securities or related contracts that may be in your possession, at your regulations. selection, or which you may be carrying for me, or buy any securities, or related contracts relating thereto of which my brokerage account 4. Any credit balances, including, but not limited to, any funds held at or brokerage accounts may be short, in order to close out in whole or any Bank pursuant to any FDIC-Insured Bank Deposit Sweep Program, in part any commitment in my behalf. You may also place stop orders as described in the Customer Account Agreement, or any amendment with respect of such securities and such sale or purchase be made at thereto, securities, assets or related contracts, and all other property your discretion on any exchange including before or after hours marin which I may have an interest held by you or carried for my brokerkets or other markets where such business is then transacted, or at age accounts shall be subject to a general lien for the discharge of my public auction or private sale, with or without advertising, and neither obligations to you (including unmatured and contingent obligations) any demands, calls, tenders or notices which you may make or give and you may sell, transfer, convert, withdraw, or assign such assets or in any one or more instances nor any prior course of conduct or dealproperty to satisfy a margin deficiency or other obligation whether or ings between us shall invalidate the aforesaid waivers on my part. You not you have made advances with respect to such property. Without shall have the right to purchase for your own account any or all of the notice to me, such property may be carried in your general loans, aforesaid property at such sale, discharged of any right of redempand all your securities may be pledged, repledged, hypothecated or tion which is hereby waived. rehypothecated, separately or in common with other securities or any other property for the sum due to you or for a greater sum, and with- 6. In the absence of a specific demand, all transactions in any of my brokerage accounts are to be paid for, securities delivered or out retaining in your possession and control for delivery a like amount required margin deposited, no later than 2 p.m. Eastern Time on of similar securities or other property. At any time in your discretion, the settlement date, and I agree to deliver my securities I have in you may, without notice to me, apply and/or transfer any securimy possession in sufficient time to be received by my Broker/Dealer ties, related contracts, cash or any other property, interchangeably one day before settlement date. My Broker/Dealer and NFS reserve between my brokerage accounts, including, but not limited to, any the right to cancel or liquidate at my risk any transaction not timely funds held at any Bank pursuant to any FDIC-Insured Bank Deposit settled. Margin calls are due on the date indicated regardless of the Sweep Program, as described in the Customer Account Agreement, settlement date of the transaction. For most stocks and bonds, the and any amendment thereto, whether individual or joint, from any of Page 7 of 11

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settlement date is the second business day following the trade date. 9. I agree that, in giving orders to sell, all “short” sale orders will be Settlement dates for U.S. government issues vary. Options settle on designated as “short” and all “long” sale orders will be designated the next business day. Interest will be charged on any debit balance as “long” and that the designation of a sell order as “long” is a which remains in my brokerage account past the settlement date as representation on my part that I own the security and that I have explained in the Disclosure of Credit Terms on Transactions section of delivered or will deliver by settlement date such security to you. this Agreement. 10. Communications by mail, telegraph, messenger or otherwise sent 7. My Broker/Dealer or NFS transmits customer orders for executo me at the address of record listed on the application or any other tion to various exchanges or market centers based on a number of address I may give my Broker/Dealer in writing, are presumed to be factors. These include: size of order, trading characteristics of the delivered and received by me, whether actually received or not. A security, favorable execution prices (including the opportunity for statement of all transactions will be mailed to the address of record, price improvement), access to reliable market data, availability of monthly or quarterly, depending on activity. I understand that I efficient automated transaction processing and reduced execution should promptly and carefully review the transaction confirmations costs through price concessions for the market centers. Certain of the and periodic brokerage account statements and notify my Broker/ market centers may execute orders at prices superior to the publicly Dealer of any errors. Information contained on transaction confirquoted market in accordance with their rules or practices. While a mations and periodic brokerage account statements is conclusive customer may specify that an order be directed to a particular market unless I object in writing within five and ten days respectively, after center for execution*, the order-routing policies, taking into considertransmitting to me. ation all of the factors listed above, are designed to result in favorable 11. I am liable for payment upon demand of any debit balance or other transaction processing for customers. My Broker/Dealer and NFS obligation owed in any of my accounts or any deficiencies followreceive remuneration, compensation or other consideration for directing a whole or partial liquidation, and I agree to satisfy any such ing customer orders for equity securities to particular broker/dealers demand or obligation. Interest will accrue on any such deficiency at or market centers for execution. Such consideration, if any, takes the prevailing margin rates until paid. I agree to reimburse my Broker/ form of financial credits, monetary payments, or reciprocal business. Dealer and NFS for all reasonable costs and expenses incurred in *N  ote: Orders placed through any telephone, electronic or on-line trading systems cannot specify a particular market center for execution. 8. I agree to be charged interest on any credit you extend to or maintain for me for purchasing, carrying or trading securities. The calculation methodology for the annual rate of interest I will be charged is described in the attached Disclosure of Credit Terms.Interest on U.S. Dollar balances is calculated monthly according to my average debit balance for the month, and a base rate, set at the discretion of my Broker/Dealer with references to commercially recognizable interest rates, industry conditions regarding the extension of margin credit and general credit conditions. Interest rates will vary according to changes to my average debit balance and my base rate, and therefore may change without notice to me. If rates change during the month, separate charges will be shown for each interest period under the different rate. Interest on International balances is calculated daily according to actual daily debit balances during the month and the interest rate applicable to each currency in the account. Interest rates will vary according to actual daily debit balances and applicable international interest rates, and therefore may change without notice to me. Separate charges will be shown for each currency in the account at the end of the month. Calculated by computer, the interest on combined balances from all cash and margin accounts (except Type 3 Short and Type 9 Income accounts) is arrived at by multiplying the average debit balance for U.S. dollar balances by the effective rate of interest, dividing by 360, and multiplying by the number of days a daily debit balance was maintained during the interest period. Interest from International balances are calculated by multiplying the daily debit of International balances by the effective rate of interest, dividing by 360 and summing for each day a daily debit balance was maintained. You may request additional collateral in the form of marginable securities or cash whenever you deem it necessary or advisable in your sole discretion, or if there is a decline in the market value of securities in the margin account. All assets in any of my brokerage accounts, including, but not limited to, any funds held at any Bank pursuant to any FDIC-Insured Bank Deposit Sweep Program, as described in the Customer Account Agreement, or any amendments thereto, are collateral for debit balances in this brokerage account, and a lien is created by these debits to secure the amount owed you. This means assets in these brokerage accounts can be sold, withdrawn, transferred, or converted by you to redeem or liquidate any debit balances in this brokerage account. You reserve the right to increase maintenance requirements and to request additional collateral at any time at your discretion. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from a public assistance program, or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is: Securities and Exchange Commission, 100 F Street, NE, Washington, DC 20549

the collection of any debit balance or unpaid defi ciency in any of my brokerage accounts, including, but not limited to, attorneys’ fees. By signing this Agreement, I hereby grant to NFS and its affiliates, to secure the payment and performance in full of all of the Obligations (as hereinafter defined), a security interest in and pledge and assign to NFS and its affiliates the following properties, assets and rights, whether now owned or hereafter acquired or arising, whether individually or jointly owned and/or held by me with others, and all proceeds and products thereof (all of the same being hereinafter called the “Property”): any and all securities other investment properties (including investment company securities and securities accounts), monies, credit balances, assets or related contracts and deposit accounts, including, but not limited to, any funds held at any Bank pursuant to any FDIC-Insured Bank Deposit Sweep Program, as described in the Customer Account Agreement, and any amendment thereto, to the extent any of the foregoing may now or hereafter be (i) held, carried and/or maintained by NFS and/or any of its affiliates, (ii) held, carried or maintained by NFS and/or any of its affiliates through any correspondent broker/dealer of NFS (“broker/dealer”), (iii) in the possession or control of NFS or any of its affi liates for any purpose, including for safekeeping, or (iv) held, carried or maintained or in the possession or control of the Fidelity Group of Funds Fidelity Service Company, Inc., as a transfer agent for the Fidelity Group of Funds or any sub transfer agent of the Fidelity Group of Funds. All terms defined in the Uniform Commercial Code of the Commonwealth of Massachusetts and used herein shall have the same definitions herein as specified therein; however, if a term is defined in Article 9 of the Uniform Commercial Code of the Commonwealth of Massachusetts differently than in another Article of the Uniform Commercial Code of the Commonwealth of Massachusetts, the term has the meaning specified in Article 9. For purposes hereof, the term “Obligations” shall mean any and all indebtedness, liabilities or other obligations (including unmatured and contingent obligations) now or hereafter owed by me to NFS, any of NFS’s affiliates or any broker/dealer, including, but not limited to, any such indebtedness liabilities or other obligations arising under this Agreement. If a default shall have occurred and be continuing, NFS and its affiliates, without any other notice to or demand upon me, shall have in any jurisdiction in which enforcement hereof is sought, in addition to all other rights and remedies, the rights and remedies of a secured party under Article 9 of the Uniform Commercial Code of the Commonwealth of Massachusetts and any additional rights and remedies as may be provided to a secured party in any jurisdiction in which Property is located, including, without limitation the right to take possession of the Property. Without limiting the foregoing, I understand that in the event any Obligation remains unpaid after payment is requested of me, NFS shall have the right to sell, liquidate, transfer, withdraw, convert, or assign such Property to satisfy any such Obligation whether or not NFS has made advances with respect to such Property. No further demand or notice shall be required prior to taking such an action. NFS shall have the discretion to determine which Property is to be sold, liquidated, transferred, withdrawn, converted,

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or assigned. Neither NFS nor any of its affiliates shall be required to marshal any present or future collateral security (including but not limited to the Property) for, or other assurances of payment of, the Obligations or any of them or resort to such collateral security or other assurances of payment in any particular order. I agree to cooperate with NFS and its affiliates and to execute such further instruments and documents as NFS or its affiliates shall reasonably request to carry out to their satisfaction the transactions contemplated by this Agreement. 12. My Broker/Dealer and NFS are not liable for any losses caused directly or indirectly by government restrictions, exchange or market rulings, suspension of trading, war, strikes or other conditions beyond their control, including, but not limited to, extreme market volatility or trading volumes. 13. No waiver of any provision of this Agreement shall be deemed a waiver of any other provision, nor a continuing waiver to the provision or provisions so waived. 14. No provision of this Agreement can be amended or waived except in writing signed by an officer of NFS. This Agreement will remain in effect until its termination by me is acknowledged in writing by an authorized representative of NFS; or until written notice of termination by you shall have been mailed to me at my address last given to you. I will remain responsible for all charges, debit items, or other transactions initiated or authorized by me, whether arising before or after termination. 15. This Agreement and its enforcement shall be governed by the laws of the Commonwealth of Massachusetts; shall cover individually and collectively all brokerage accounts that I may maintain with NFS; shall inure to the benefit of my Broker/Dealer’s or your successors and assigns whether by merger, consolidation or otherwise and my Broker/Dealer and you may transfer my account to my Broker/Dealer’s or your successors and assigns; and shall be binding on my heirs, executors, administrators, successors, and assigns. 16. If any provision of this Agreement is or at any time should become inconsistent with any present or future law, rule or regulation of any entity having regulatory jurisdiction over it, that provision will be superseded or amended to conform with such law, rule or regulation, but the remainder of this Agreement shall continue and remain in full force and effect notwithstanding any other provisions contained in this Agreement. No provision of this Agreement concerning liens or security interests shall apply to the extent the application would be in conflict with any provisions of ERISA or the Internal Revenue Code or any related rules, regulations, or guidance.

(C) The ability of the parties to obtain documents, witness statements and other discovery is generally more limited in arbitration than in court proceedings. (D) The arbitrators do not have to explain the reason(s) for their award unless, in an eligible case, a joint request for an explained decision has been submitted by all parties to the panel at least 20 days prior to the first scheduled hearing date. (E) T  he panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with the securities industry. (F) T  he rules of some arbitration forums may impose time limits for bringing a claim in arbitration. In some cases, a claim that is ineligible for arbitration may be brought in court. (G) T  he rules of the arbitration forum in which the claim is filed, and any amendments thereto, shall be incorporated into this agreement. All controversies that may arise between me, my Broker/Dealer and NFS concerning any subject matter, issue or circumstance whatsoever (including, but not limited to, controversies concerning any account, order or transaction, or the continuation, performance, interpretation or breach of this or any other agreement between me, my Broker/Dealer and NFS whether entered into or arising before, on or after the date this account is opened) shall be determined by arbitration in accordance with the rules then prevailing of the Financial Industry Regulatory Authority (FINRA) or any United States securities self-regulatory organization or United States securities exchange of which the person, entity or entities against whom the claim is made is a member, as I may designate. If I designate the rules of a United States self-regulatory organization or United States securities exchange and those rules fail to be applied for any reason, then I shall designate the prevailing rules of any other United States securities self-regulatory organization or United States securities exchange of which the person, entity or entities against whom the claim is made is a member. If I do not notify you and/or my Broker/Dealer in writing of my designation within five (5) days after such failure or after I receive from you a written demand for arbitration, then I authorize my Broker/Dealer and/or NFS to make such designation on my behalf. The designation of the rules of a United States self-regulatory organization or United States securities exchange is not integral to the underlying agreement to arbitrate. I understand that judgment upon any arbitration award may be entered in any court of competent jurisdiction.

No person shall bring a putative or certified class action to arbitration, nor seek to enforce any predispute arbitration agreement against any person who has initiated in court a putative class action; or who is a member of a putative class who has not opted out of 17. If the undersigned shall consist of more than one brokerage account the class with respect to any claims encompassed by the putative holder, their obligations and liabilities under this Agreement shall be class action until: (i) the class certification is denied; or (ii) the class joint and several and may be enforced by my Broker/Dealer or NFS is decertified; or (iii) the customer is excluded from the class by the against any or all brokerage account holders. court. Such forbearance to enforce an agreement to arbitrate shall 18. I understand that you may deliver margin calls and other notices to not constitute a waiver of any rights under this agreement except to the extent stated herein. my Broker/Dealer for the sole purpose of collection of my obligations under this Agreement. I agree to the foregoing and further You are hereby authorized to lend, hypothecate or re-hypothecate understand that my Broker/Dealer may act on your behalf with separately or with the property of others, either to yourselves or to othrespect to margin calls in your discretion. ers, any property you may be carrying for me on margin. NFS may use certain securities in my account in connection with short sales and may 19. I represent that I have read and understand the Disclosure of Credit Terms on Transactions. I further understand that they may be receive compensation in connection therewith. This authorization shall apply to all my brokerage accounts you carry and shall remain in full amended from time to time. force until you receive from my Broker/Dealer written notice of my revo20. Pre-Dispute Arbitration Agreement cation at your principal offices. This agreement contains a pre-dispute arbitration clause. By signing an arbitration agreement, the parties agree as follows: (A) All parties to this agreement are giving up the right to sue each other in court, including the right to a trial by jury, except as provided by the rules of the arbitration forum in which a claim is filed. (B) A  rbitration awards are generally final and binding; a party’s ability to have a court reverse or modify an arbitration award is very limited.

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Margin Disclosure Statement I represent that I have read the terms and conditions concerning this account and agree to be bound by such terms and conditions as currently in effect and as may be amended from time to time. This account is governed by a Pre-Dispute Arbitration Clause which appears in paragraph 20 on pages 6 and 9 of this Agreement. I acknowledge receipt of the Pre-Dispute Arbitration Clause, the Disclosure of Credit Terms on transactions, and Margin Disclosure Statement. Important Information About Using Margin This document is being furnished to you to provide some basic information about purchasing securities on margin, and to alert you to the risks involved with trading securities in a margin account. Before trading securities in a margin account, you should carefully review the margin terms in your account application and agreement. Not all securities are marginable and NFS reserves the right in its sole discretion to determine whether to extend margin on any securities. Contact your broker/dealer regarding any questions or concerns you may have with your margin accounts. When you purchase securities, you may pay for the securities in full or you may borrow all or part of the purchase price from your brokerage firm. If you choose to borrow funds from your firm, you will open a margin account with National Financial Services LLC (“NFS”). The securities in your accounts are NFS’ collateral for the loan to you. The actual amount you can borrow and NFS’s margin maintenance requirements may vary depending on NFS’s internal margin policies, which exceed the margin requirements of FINRA and NYSE. NFS’s margin policies are subject to review and revision at any time in NFS’s sole discretion. NFS reserves the right to alter the terms on your margin loan at any time to comply with changes in NFS’s policies. If the securities in your account decline in value, so does the value of the collateral supporting your loan, and, as a result, NFS and your broker/dealer can take action, such as issue a margin call and/or sell securities or other assets in any of your accounts held with NFS through your broker/dealer, in order to maintain the required equity in the account. NFS may also take action to sell securities or other assets in your accounts held with NFS and with certain NFS affiliates. It is important that you fully understand the risks involved in trading securities on margin. These risks include the following: •Y  ou can lose more funds than you deposit in the margin account. NFS uses internal methodologies to determine whether there is insufficient equity in your account. This valuation may differ from your valuation and may differ from the valuation that NFS is able to obtain if it sells these assets to meet a margin deficiency in your account. A decline in the value of securities you purchased on margin may require you to provide additional funds or margineligible securities to NFS to avoid the forced sale of any securities or assets in your account(s). •N  FS and your broker/dealer can force the sale of securities or other assets in your account(s). If the equity in your account falls below the maintenance margin requirements or NFS’ higher “house” requirements, NFS or your broker/dealer can sell the securities or other assets in any of your accounts held at NFS through your broker/dealer to cover the margin deficiency. NFS may also take action to sell securities or other assets in your accounts held with NFS and certain NFS affiliates. You also will be responsible for any short fall in the account after such a sale, possibly including NFS’ and/or your broker/dealer’s costs related to collecting the short fall. If you are a director, officer or 10% shareholder of an issuer whose securities NFS sells to cover a margin deficiency in your account, you could be liable to this issuer for profits from the forced sale, as compared with any purchases you may have made of securities of the same issuer within six months of the sale (note that you could receive such a profit even if a shortfall remains in the account after the sale). •N  FS and your broker/dealer can sell your securities or other assets without contacting you. Some investors mistakenly believe that a firm must contact them for a margin call to be valid, and that the firm cannot liquidate securities or other assets in their accounts to meet the call unless the firm has contacted them first. This is not the case. Most firms will attempt to notify their customers of margin calls, but they are not required to do so. In addition, even if a firm has contacted a customer and provided a specific date by which the customer can meet a margin call, the firm can still take necessary steps to

protect its financial interests prior to that date, including immediately selling the securities without notice to the customer. •Y  ou are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. Because the securities and any other assets in your account(s) are collateral for the margin loan, NFS or your broker/dealer has the right to decide which assets to sell in order to protect its interests. •N  FS can increase its “house” maintenance margin requirements at any time and is not required to provide you advance notice. These changes in firm policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause NFS or your broker/dealer to liquidate or sell securities or any other assets in your account(s). NFS may set account or security specific margin requirements on an individual basis and takes into consideration the following factors in determining margin maintenance requirements: (i) market volatility, which may include general market, issuer, industry and country conditions; (ii) the quality and composition of the securities in your account, including issuer capitalization and issuer, industry, liquidity and ownership concentrations; (iii) the quality and composition of your portfolio, including domestic and foreign exchange exposure, fixedincome exposure, frequency of activity in your account and liquidity of your account; (iv) NFS’s ability generally to obtain financing for its margin loans; and (v) regulatory requirements and applicable law. NFS may place different weight on each of these factors, which may result in NFS’s determining, in its sole discretion, to immediately increase your margin maintenance requirement, which will require you to provide additional funds or securities to avoid the forced sale of assets in your account. NFS’s review of any of the factors described above may require you to provide additional funds or securities, in an amount determined by NFS in its sole discretion, to avoid the forced sale of those securities or other securities in your account. • You are not entitled to an extension of time on a margin call. While an extension of time to meet margin requirements may be available to customers under certain conditions, a customer does not have a right to the extension. •S  hort selling is a margin account transaction and entails the same risks as described above. NFS or your broker/dealer can buy in your account securities to cover a short position without contacting you, and may use all or any portion of the assets in your account to make such a purchase. If the assets in your account are not sufficient to cover the cost of such a purchase, you will be responsible for any shortfall, possibly including NFS’ and/or your broker/dealer’s costs in collecting the shortfall. •N  FS can loan securities held in your margin account which collateralize your margin borrowing. In connection with the extension or maintenance of margin credit, NFS may loan securities in your margin account to itself or to others. As a result of these loans, you may not be entitled to receive certain benefits of a securities owner, such as the ability to exercise voting rights and/or receive interest, dividends, and/or other distributions with respect to the securities lent. While a security in your account is lent, you may only be allocated and receive substitute payments in lieu of such interest, dividends, and/or other distributions. Substitute payments may not be afforded the same tax treatment as actual interest, dividends, and/or other distributions, and you may incur additional tax liability for substitute payments that you receive. NFS may allocate substitute payments in any manner permitted by law, rule, or regulation, including, but not limited to, by means of a lottery allocation method. You are not entitled to any compensation in connection with securities lent from your account or for additional taxes you may be required to pay as a result of any tax treatment differential between substitute payments and actual interest, dividends, and/or other distributions. • In addition to market volatility, the use of bank card, checkwriting and similar features with your margin account may increase the risk of a margin call. • NFS may use certain securities in your account in connection with short sales and may receive compensation in connection therewith. Contact your broker/dealer to request additional information concerning NFS’s margin policies or concerning questions you may have with your margin account.

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Disclosure of Credit Terms on Transactions    

        Customer Copy

Please keep this document for your records Dear Customer: Securities and Exchange Commission Rule 10b-16 requires a broker who extends credit to a customer in connection with any security transaction to furnish the customer specified information describing the terms, conditions and methods pursuant to which interest charges are made to customers’ accounts. This statement is sent to you in conformity with that rule. Interest will be charged on all accounts for any credit extended to or maintained for customers by the firm for the purpose of purchasing, carrying or trading in securities or otherwise. The annual rate of interest you will be charged may vary from a minimum of 3.25% to a maximum of 6.5% above the brokers’ call money rate, depending upon the amount of your average debit balance. Current rates are as follows: Average Debit Balance  $0 — $49,999.99  $50,000 — $249,999.99  $250,000 — $999,999.99  $1,000,000 and over

Ordinarily, a request for additional margin will be made when the equity in the margin account (the market value of the securities in the account in excess of the debit balances) falls below our margin maintenance requirements, which may change from time to time without notice. We retain the right to require additional margin any time we deem it desirable. Margin calls can be met by delivery of cash or additional securities. Other Charges. Separate charges at an annual rate of 6.50% above brokers’ call money rate may be made in the Type 1-Cash Account in connection with: a)

 repayments (by approval only) — payments to a customer of the proceeds P of a security sale before the regular settlement date.

b)

 When-Issued” transactions — when the market price of the “when-issued” “ security deteriorates from the customer’s contract price by an amount that exceeds the customer’s cash deposit, interest may be charged on such excess.

c)

Interest to be Charged Above Brokers’ Call Money Rate 6.50% 5.40% 4.50% 3.25%

The Servicemembers Civil Relief Act (the “Act”) grants servicemembers a maximum margin interest rate of 6% during their period of military service (as defined in the Act). You must notify USAA Financial Advisors Inc. of your period of military service to obtain this benefit. Please note that, outside of your period of military service, interest rates will be as otherwise described herein. In determining the daily debit balance and the resulting rate of interest we will combine the margin account balances in all accounts, except Type 3-Short Accounts and Type 9-Income Accounts. Interest is then computed for each account based on the rate resulting from averaging the daily debit balances during the interest period. Your rate of interest will be changed without notice in accordance with changes in the brokers’ call money rate and in your average debit balance. When your interest rate is to be increased for any other reason, you will be given at least 30 days’ written notice. If brokers’ call is expressed as a range, NFS may apply the highest end of the range. Your monthly statement will show the dollar amount of interest and the interest rate charged to your account. There will be no interest charge reflected on your statement if your monthly charge is less than $1.00. An interest cycle will cover the period beginning with the first business day following the 20th of each month. All securities or other property held by us in any of your accounts are collateral for any debit balances. A lien is created by those debits to secure the amount of money owed to us. This means securities or other assets in any of your accounts can be sold, withdrawn, transferred or converted to reduce or liquidate entirely any debit balances in your accounts, as authorized in your Margin Account Agreement. If there is a decline in the market value of the securities or other assets which are collateral for your debits, it may be necessary for us to request additional margin.

L ate payments — payments for securities purchased which are received past settlement date. Interest Computation. Interest on debit balances is computed by multiplying the average daily debit balance of the account by the applicable interest rate in effect and dividing by 360, times the number of days a daily debit balance was maintained during the interest period. Interest charged during the interest period is the total of such daily computations. The daily debit balance of the account is the aggregate daily debit balance for all accounts other than your Type 3-Short and Type 9-Income Accounts. Example: Brokers’ Call Money Rate of 5.00% — Applicable Interest Rate 11.5% Date June 17 June 18 June 19 June 20

Daily Debit Balance $ 0 5,000 10,500 8,000

Total of 3 Days $23,500 $23,500 divided by 3 equals 7,833 (daily average balance), times 11.5% (applicable rate) divided by 360 equals $2.50 (the daily interest charge), times 3 (the number of days account had a net debit balance during the interest period) equals an interest charge of $7.51. Marking to Market. The credit balance in the Type 3-Short Account will be decreased or increased in accordance with the corresponding market values of all short positions. Corresponding debits or credits will be posted to the Type 2-Margin Account. These entries in the Type 2-Margin Account will, of course, affect the balance on which interest is computed. Credits in your Type 3-Short Account, other than Marking to Market, will not be utilized to offset your Type 2-Margin Account balance for interest computation.

Notice to Customers Financial Industry Regulatory Authority, Inc. rule 4311 requires that your Broker/Dealer and NFS allocate between them certain functions regarding the administration of your brokerage account. The following is a summary of the allocation services performed by your Broker/Dealer and NFS. A more complete description is available upon request. Your Broker/Dealer is responsible for: (1) obtaining and verifying brokerage account information and documentation, (2) opening, approving and monitoring your brokerage account, (3) transmitting timely and accurate instructions to NFS with respect to your brokerage account, (4) determining the suitability of investment recommendations and advice, (5) operating and supervising your brokerage account and its own activities in compliance with applicable laws and regulations, including compliance with margin rules pertaining to your margin account, and (6) maintaining of required books and records for the services it performs. NFS shall, at the direction of your Broker/Dealer: (1) execute, clear and settle transactions processed through NFS by your Broker/Dealer, (2) prepare and send transaction confirmations and periodic statements of your brokerage account (unless your Broker/Dealer has undertaken to do so). Certain pricing and other information may be provided by your Broker/Dealer or obtained from third parties, which has not been verified by NFS, (3) act as custodian for funds and securities received by NFS on your behalf, (4) follow the instructions of your Broker/Dealer with respect to transactions and the receipt and delivery of funds and securities for your brokerage account, and (5) extend margin credit for purchasing or carrying securities on margin. Your Broker/Dealer is responsible for ensuring that your brokerage account is in compliance with federal, industry and NFS margin rules, and for advising you of margin requirements. NFS shall maintain the required books and records for the services it performs. BY SIGNING THIS APPLICATION I ACKNOWLEDGE THAT MY SECURITIES MAY BE LOANED TO YOU OR OTHERS AND THAT I HAVE READ AND RETAINED A COPY OF THE MARGIN DISCLOSURE STATEMENT AND MARGIN AGREEMENT. I understand that this account is governed by a pre-dispute arbitration agreement which appears on the last page of the Margin Account Agreement.

National Financial Services LLC, Member NYSE, SIPC

Page 11 of 11

98063-0318

1.815879.105 [BEM 06/17] - 403313.6.0 (08/11)

PO Box 659453 San Antonio, Texas 78265-9825

Brokerage Account Number

Trustee Certification of Investment Powers This form must be completed when requesting to add margin trading privileges to a new or existing trust account. If requesting margin privileges, please submit this form with the Margin Account Privileges Supplemental Application. If the request is for a new trust account, the Trust Account Application must also be submitted. This paperwork should not be used to request updates to remove existing trustees from or add new trustees to existing accounts. If you have any questions, contact your investment representative. Type on screen or fill in using CAPITAL letters and black ink. If you need more room for information or signatures, use a copy of the relevant page.

1. Trust Information Full Legal Name of Trust

For the Benefit of (FBO)

Check the appropriate box for the Taxpayer ID  Number and provide the number.

Grantor

Date of Trust  MM DD YYYY

Social Security/Taxpayer ID Number

 SSN 

 TIN

Physical Address Cannot be a P.O. Box or Mail Drop.

Address

City

State/Province

Zip/Postal Code

Country

State/Province

Zip/Postal Code

Country

Mailing Address   Same as Legal Address Complete only if different from Physical Address.

Address

City

2. Trustee Information The undersigned certify that the Trust indicated in Section 1 has the following Trustees. Trustee 1 Information If the Trustee is an individual, complete the First, M.I., and Last Name fields. If the Trustee is an entity, provide the name of the entity in the Entity Name field and include a resolution naming the authorized individuals.

First Name

Social Security/Taxpayer ID Number

M.I.

Date of Birth  MM DD YYYY

Last Name

Phone

Entity Name

Email

Country of Citizenship

Country of Tax Residence

Type of Government-Issued ID

ID Number

State/Country of ID Issuance

ID Issuance Date  MM DD YYYY

ID Expiration Date  MM DD YYYY

Physical Address Cannot be a P.O. Box or Mail Drop.

Address 1

City

Address 2

State/Province

Zip/Postal Code

Country

continued on next page

1.747632.107  BEM

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006410301

2. Trustee Information continued Mailing Address   Same as Physical Address Complete only if different from Physical Address.

Address 1

Address 2

City

State/Province

Zip/Postal Code

Country

Employer Information Check one.

  Employed  

  Retired  

Occupation

Provide Income Source if retired or not employed.

  Not Employed Income Source

Address 1

Employer Name

Address 2

City

State/Province

Zip/Postal Code

Country

You are, or an immediate family/household member is, a senior foreign political figure. Trustee 2 Information If the Trustee is an individual, complete the First, M.I., and Last Name fields. If the Trustee is an entity, provide the name of the entity in the Entity Name field and include a resolution naming the authorized individuals.

First Name

Social Security/Taxpayer ID Number

M.I.

Date of Birth  MM DD YYYY

Last Name

Phone

Entity Name

Email

Country of Citizenship

Country of Tax Residence

Type of Government-Issued ID

ID Number

State/Country of ID Issuance

ID Issuance Date  MM DD YYYY

ID Expiration Date  MM DD YYYY

Physical Address Cannot be a P.O. Box or Mail Drop.

Address 1

City

Address 2

State/Province

Zip/Postal Code

Country

Mailing Address   Same as Physical Address Complete only if different from Physical Address.

Address 1

City

Address 2

State/Province

Zip/Postal Code

Country

continued on next page

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006410302

2. Trustee Information continued Employer Information Check one.

  Employed  

  Retired  

Occupation

Provide Income Source if retired or not employed.

  Not Employed Income Source

Address 1

Employer Name

Address 2

City

State/Province

Zip/Postal Code

Country

You are, or an immediate family/household member is, a senior foreign political figure.

3. Signatures and Dates  Form cannot be processed without signatures and dates. USA PATRIOT Act Notice: To help the government fight money laundering and the funding of terrorism, federal law and contractual obligations between your Broker/Dealer and us require us to obtain your name, date of birth, address and a government-issued ID number before opening your account, and to verify the information. In certain circumstances, we or your Broker/Dealer may obtain and verify comparable information for any person authorized to make transactions in an account or beneficial owners of certain entities. Further documentation is required for certain entities such as trusts, estates, corporations, partnerships and other organizations. Your account may be restricted if we cannot obtain and verify this information. We or your Broker/Dealer will not be responsible for any losses or damages (including, but not limited to, lost opportunities) that may result if your account is restricted or closed. In the section below, “NFS,” “us,” and “we” refer to National Financial Services LLC and its officers, directors, employees, agents, affiliates, shareholders, successors, assigns and representatives as the context may require; “you” refers to the account owner(s) indicated on the account form and any authorized individuals; “you” refers to all account owner(s), collectively and individually; “Broker/Dealer” refers to the correspondent managing your account. By signing below, you certify that: •  Every Trustee has signed below (or you are the sole Trustee, if applicable) and is authorized to make these statements. •  The Trust has not been revoked, modified, or amended in any manner that would cause the statements contained in this Trust certification to be incorrect. •  The Trust exists under all applicable laws. •  You have the authority under the Trust and applicable law to enter into transactions, delegate trading authorization to the other authorized individuals, issue instructions on this account for, and at the risk of, the Trust, and agree that any transactions and instructions will be in full compliance with the Trust. •  You, the Trustees, in your capacity as Trustees, may grant a Power of Attorney to a third party, and you certify that you have the authority under the Terms of the Trust and applicable state law. You, the Trustees, further understand that this is a delegation of your fiduciary responsibilities under the Trust. This delegation will be binding on the Trust, all current and successor trustees and Trust beneficiaries. •  If allowed for by the provisions of the Trust, one or more of the Trustees listed on this form may in fact be a Power of Attorney (POA). The POA will be referred to as a Trustee throughout this document and will be subject to the same terms and conditions contained herein. •  You authorize us to accept orders and other instructions for this account from any Trustee and/or any other authorized individual or entity. This includes the authority to deliver any or all assets in the account to any Trustee (personally or otherwise), or according to any

Trustee’s instructions. We, at our option and for our protection, may require approval of other Trustees before acting on any such order or instruction. •  We are not responsible for any claim, loss, expense, or other liability for acting upon any instructions given by the Trustees and/ or any other authorized individual or entity implementing any transactions. •  We may verify all information provided in connection with this form and account, and may obtain credit or other financial responsibility reports with respect to the Trust, the Trustees, and any authorized individuals, and you have the express consent of all individuals who may be the subject of these reports. If requested in writing, we will provide the name and address of the credit reporting agency used. •  You will inform us in writing of any change to these certifications (such as a change of Trustees). •  Indemnify and hold harmless your Broker/ Dealer, NFS, FMTC, their officers, directors, employees, agents, affiliates, shareholders, successors, assigns and representatives from any claims or losses that may occur as a result of this transaction. •  Have instructed your Broker/Dealer to establish, as your agent, an account with us; have appointed your Broker/Dealer as your exclusive agent to act for and on your behalf with respect to all matters regarding your account with us, including the placing of securities purchase and sale orders, the selection of your Core position, including a Bank Deposit Sweep Program, and to act in all respects in connection with such

Core position and, provided margin and/ or options trading have/has been approved, delivery of margin and option instructions for your account. No fiduciary relationship exists with us. Understand that we will look solely to your Broker/Dealer and not you with respect to such orders or instructions; and we are instructed to deliver confirmations, statements, and all other notices, including margin maintenance calls, if applicable, to your Broker/Dealer. Any such communications delivered to your Broker/Dealer shall be deemed to have been delivered to you. You agree to hold us harmless from and against any losses, costs or expenses arising in connection with the delivery or receipt of any such communication(s), provided we have acted in accordance with the above. The foregoing shall be effective until written revocation is received by us and your Broker/Dealer. •  Represent and warrant that if you have not checked the boxes for Affiliations and Corporate Control Status you are not associated with or employed by a stock exchange, the Financial Industry Regulatory Authority or a Broker/Dealer and that you are not a control person or affiliate of a public company under SEC Rule 144 (such as a director, 10% shareholder, or a policy-making officer), or an immediate family or household member of such a person. •  Warrant that this form has not been changed and is identical as originally set forth by us; understand that any alteration of the original form shall be null and void and you shall be bound by the terms of the original; acknowledge that your agreement with us may be terminated if we have reasonable grounds to believe the form has been altered.

continued on next page

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006410303

3. Signatures and Dates  Form cannot be processed without signatures and dates.  continued All Trustees must sign and date below. By signing below, the Trustee(s) hereby certify the information contained in this form is accurate and complete. If you are signing this form as a POA, you must submit a Power of Attorney Affidavit and Indemnification form, unless one is already on file for this account. Print Trustee Name  First, M.I., Last

Trustee Signature

Date  MM - DD - YYYY

SIGN

Date  MM - DD - YYYY

SIGN

Trustee Signature

Print Trustee Name  First, M.I., Last

Print Trustee Name  First, M.I., Last

Date  MM - DD - YYYY

SIGN

Trustee Signature

National Financial Services LLC, Member NYSE, SIPC

1.747632.107  BEM

Page 4 of 4 98067-0615

1.747632.107 [BEM 06/15] - 406524.6.0 (12/14)

006410304