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I am directing the Administrator to complete the transaction(s) as specified above. I agree to indemnify and hold harmless the

Administrator and the Custodian from any and all claims, damages, liability, actions, costs, expenses (including reasonable attorneys’

fees) and any loss to my account as a result of any action taken in connection with any payments covered by this Payment

Authorization Letter. I assume all responsibility for ensuring that the Administrator is provided with full payment instructions

(including, but not limited to, payment amounts, due dates, addresses of payees and account numbers). I understand that if this

Payment Authorization Letter and any accompanying documentation are not received as required, or, if received, are unclear in the

opinion of the Administrator, or if there is insufficient Undirected Cash in my account to fully comply with my instructions to pay the

bills and all fees, the Administrator may not process this transaction until proper documentation and/or clarification is received, and

the Administrator will have no liability for late fees or loss of income. I declare that I have examined this document, including