Fees and Fee Schedules:

• SDTC charges reasonable fees for its services.

• When SDTC acts as trustee under a trust agreement, annual fees are generally determined by the fair market value of assets held in the account. Fees vary depending on the type of assets administered, the type of trust, and the type of trust administration (e.g., "full", "directed", "delegated", etc.).

• Fee schedules are available for all of SDTC's Trust Services; however, due to the individualized nature of its trust services, individual fee letters and proposals are composed for many clients and prospects.

• All trusts, underlying assets, and accompanying documents are all subject to review before acceptance by SDTC.

• All fees are generally collected monthly and are subject to change at any time. Some accounts warrant the payment of fees up front.

• If an account terminates within the first year, the full annual fee will be charged. Account termination beyond the first year will be subject to SDTC's hourly fees based on time involved. In case of distribution to a non-SDTC account, a reasonable charge based on SDTC's duties and expenses will be collected.