Document:

EX-10.4

 Exhibit 10.4 

The redacted information has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly
disclosed. 
 SUBCUSTODIAL AND 

SERVICE AGREEMENT 

This Agreement (“Agreement”) is entered into by and among GE Financial Trust Company (“GEFTC”) and Fidelity Brokerage
Services LLC (“FBS”) and National Financial Services LLC (“NFS”), (FBS and NFS together, “Fidelity”) acting through its business unit Fidelity Registered Investment Advisor Group (“FRIAG”) (Fidelity, FRIAG and
GEFTC may individually be referred to as a “Party” or collectively as “Parties”), effective as of November 1, 2005; 

WHEREAS, GEFTC is a trust company duly chartered by the Arizona State Banking Department and maintains accounts and provides trust and custody
services for its trust company customers (each a “Client”); 
 WHEREAS, GEFTC accepts Client accounts referred by its registered
investment advisory affiliate, GE Private Asset Management (“Advisory Firm”); 
 WHEREAS, Advisory Firm and GEFTC wish to retain
Fidelity to act as sub-custodian as contemplated in this Agreement and to provide brokerage services in connection with their separate account wrap program. 

WHEREAS, Advisory Firm intends to use the services of investment managers which will provide portfolio research models and asset allocation
strategies; whereby only the Advisory Firm, and not the investment managers, will have trading authorization on the Accounts. 
 WHEREAS,
Advisory Firm provides investment advisory services to Clients; 
 WHEREAS, Fidelity and GEFTC intend to establish a technology based
operating platform and interface; 
 WHEREAS, Fidelity desires to provide brokerage services and act as subcustodian for Client accounts;

 WHEREAS, GEFTC intends to use electronic interfaces between TNET, a trust accounting system licensed and operated by GEFTC, and
Fidelity’s brokerage platform to exchange information including without limitation balances, positions, and history. GEFTC may also affect transactions in certain Client Accounts through the interface; 

WHEREAS, Fidelity and GEFTC and Advisory Firm intend to interface using a Checkfree APL that shall be implemented on or about February 2006;
and prior to that Advisory Firm will use Fidelity’s product, Advisor Channel, to send and receive intra-day trade information to Fidelity. 

WHEREAS, FBS and NFS are each a broker-dealer registered with the Securities and Exchange Commission and a member of the National Association
of Securities Dealers, Inc; 
 WHEREAS, in addition to acting as a subcustodian, Fidelity will provide execution and clearance services for
equity and fixed income securities held at Fidelity in GEFTC Accounts (as defined below) in accordance with the terms of this Agreement; 

  
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 NOW, THEREFORE, in consideration of the mutual agreements hereinafter set forth, and for other good and
valuable consideration, the receipt and adequacy of which is hereby acknowledged, the parties, intending to be legally bound, do hereby agree as follows: 
  

	1.	 APPOINTMENT OF CUSTODIAN; TYPES OF ACCOUNTS, TRADING, AND FEES 

 

	 	1.1.	 Appointment of Fidelity as Subcustodian and Types of Accounts 

 

	 	1.1.1.	 Pursuant to this Agreement and the separate Fidelity brokerage account application and agreement accepted by
Fidelity for each account (Application and Agreement), to be executed in a form substantially similar to that attached hereto as Exhibit A, as such form may be amended from time to time, such amendments to be immaterial or required by applicable
law, rule or regulation or Fidelity Policies and Procedures, GEFTC authorizes Fidelity to hold securities in registered form in its name. If there is any conflict between this Agreement and the Application Agreement, the terms of the Application
Agreement shall prevail with the exception of: the term and termination provisions this Agreement (all of section 2); the representations and warranties (all of section 3), including without limitation service levels (Exhibit C); indemnification
provisions (all of section 4); confidentiality (all of section 5); and pricing (Exhibit B), excluding any margin fees. If future material amendments are made to the Application Agreement that conflict with this Agreement, GEFTC reserves the right to
review those amendments, and if GEFTC determines using reasonable business judgment that such amendments are unacceptable, GEFTC may terminate this agreement. 

 

	 	1.1.2.	 “GEFTC Accounts” are brokerage accounts opened by and registered in the name of GEFTC as legal and
record owner which accounts may be owned by GEFTC for the benefit of one or more of its Clients and carried by Fidelity under GEFTC’s name, address and tax identification number in which it will hold securities and cash. GEFTC Accounts include
both Omnibus GEFTC Accounts and Non-Omnibus GEFTC Accounts. “Omnibus GEFTC Accounts” are those accounts that hold commingled assets of GEFTC’s Clients.
“Non-Omnibus GEFTC Accounts” are other GEFTC Accounts established at Fidelity and registered in GEFTC’s name for the benefit of a particular GEFTC Client. For all accounts carried by Fidelity
pursuant to this Agreement, Fidelity’s customer shall be GEFTC only and in no event will any Client, other customer or prospective Client or customer of GEFTC or Advisory Firm be considered to be a customer of Fidelity. 

 

	 	1.1.3.	 Fidelity will not charge GEFTC or Advisory Firm a separate custody fee for maintaining custody of GEFTC
Accounts. 

  
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	 	1.1.4.	 With respect to GEFTC Accounts, GEFTC will be the “end financial institution” responsible for all
know your customer, anti-money laundering and other applicable legal and regulatory requirements, including but not limited to the Bank Secrecy Act of 1970, as amended, and related regulations, for any Client who may have a disclosed or undisclosed
beneficial interest in a GEFTC Account. GEFTC agrees not to open any GEFTC Accounts, process any transactions or provide any other services that would violate any applicable sanctions administered by the Office of Foreign Assets Control of the U.S.
Department of the Treasury. 

  

	 	1.1.5.	 GEFTC has authorized Advisory Firm, an investment Advisor registered under the Investment Advisor Act of 1940,
with discretionary authority to engage in various trading and other investment related activities, including, but not limited to the purchase, sale or exchange of securities on GEFTC Accounts. The Advisory Firm shall be designated in the
Applications and Agreement as the investment adviser with trading authorization on Client Accounts. Fidelity will not be responsible for the actions or inactions of the Advisory Firm. 

 

	 	1.1.6.	 GEFTC agrees that it shall not request Fidelity to establish, carry or provide services under this Agreement to
any Fully Disclosed Client Account directly for a Client, customer or prospect of GEFTC or Advisory Firm (a “Fully Disclosed Client Account”). A Fully Disclosed Client Account shall mean any brokerage account registered in the
Client’s name as legal and record owner, address and tax identification number and with respect to which Fidelity would otherwise collect personal and financial information with respect to such Client. GEFTC will open accounts with Fidelity
and/or refer Clients to Fidelity only in those instances in which GEFTC and/or the Advisory Firm deems it appropriate and in the best interest of Clients. In the event that GEFTC desires to open an account with Fidelity on a fully-disclosed basis,
prior to opening such account, GEFTC and Fidelity shall negotiate in good faith the terms and conditions of the parties’ obligations with respect to such fully-disclosed accounts. 

 

	 	1.1.7.	 Subject to the terms hereof and the Application and Agreement, GEFTC hereby authorizes Fidelity to hold any
securities received by it from time to time for the account of GEFTC Accounts. Fidelity may elect to utilize Depositories and third-party subcustodians to the extent it deems appropriate possible in connection with its performance hereunder.
“Depository” shall include the Federal Reserve Banks book-entry system, the Depository Trust Company, Euroclear, Clearstream Banking, S.A. and any other securities depository, book-entry system or clearing agency (and their respective
successors and nominees) registered with the Securities and Exchange Commission or otherwise authorized to act as a securities depository, book-entry system or clearing agency pursuant to applicable law. A “Third-Party Subcustodian” shall
mean a bank or other financial institution (other than a Depository) which is utilized by Fidelity in connection with the purchase, sale or custody of securities hereunder. 

 

	 	1.1.8.	 Securities and cash deposited by Fidelity in a Depository will be held subject to the rules, terms and
conditions of such Depository. Securities and cash held through Third-Party Subcustodians shall be held subject to the terms and conditions of any applicable agreement between Fidelity and such Third Party Subcustodians. Third-Party Subcustodians
may be authorized to hold Securities 

  
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in central securities depositories or clearing agencies in which such Third-Party Subcustodians participate. Unless otherwise required by law or practice or a particular Third-Party Subcustodian
agreement, securities deposited with Third-Party Subcustodians will be held in a commingled account in the name of NFS as custodian for the benefit of its customers. Fidelity shall identify on its books and records the securities and cash belonging
to GEFTC Accounts, whether held directly or indirectly through Depositories or Third-Party Subcustodians. 

  

	 	1.2.	 Trading and Operational Interface 

 

	 	1.2.1.	 On or before December 31, 2005, GEFTC anticipates transferring from GEFTC over to Fidelity approximately
$1.5 billion in initial assets (the “Transfer”). GEFTC and Advisory Firm anticipate that approximately 100 million equity shares shall be traded during the first 12 month period from the date of the Transfer. The Transfer will
include approximately 225 non-omnibus GEFTC accounts and two omnibus GEFTC account. 

  

	 	1.2.2.	 Trading of equity on GEFTC Accounts will be done through Fidelity’s Advisor CHANNEL® products or other
electronic trading system supported by Fidelity until the parties interface through CheckFree APL, at which time all equity trades will be placed via the APL or other systems acceptable to Fidelity. Trading of fixed income securities shall be done
through Fidelity’s Bond Trader Pro system or by sending fax, email or phone trades directly to Fidelity’s fixed income trading desk. 

  

	 	1.2.3.	 It is understood that by Fidelity and GEFTC that orders for the execution of transactions in GEFTC Accounts
shall be directed to Fidelity, but that Advisor may use other broker/dealers (“Trade Away”) if Advisor deems such activity as appropriate in its sole discretion. Fidelity shall provide monthly trade execution reports to GEFTC and the
Advisory Firm to report on execution quality. 

  

	 	1.3.	 Pricing and Billing for Fidelity Brokerage Services 

 

	 	1.3.1.	 The pricing schedule that will apply to all GEFTC Accounts is set forth in Exhibit B. This pricing schedule
does not apply to separate account network, turn key asset management and other programs which may be selected by GEFTC, which may which charge either transaction based or asset based fees. This pricing schedule includes all services discussed in
this Agreement including custody and clearing services, use of Advisor Channel, use of Bond Trader Pro, interfacing, operational and administrative services, asset conversions and the implementation of CheckFree APL at no additional charge.

  

	 	1.3.2.	 Fees accrued, pursuant to Exhibit B, shall accrue during the quarter. All transaction costs, commissions,
ticket charges, and other fees will be billed directly to GEFTC, rather than being charged to individual trade. Such accrued fees shall be billed quarterly in arrears to GEFTC on or before 30 days following the calendar quarter end, or if Fidelity
is unable to bill GEFTC by that date, as promptly as possible thereafter. 

  
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	2.	 EFFECTIVENESS AND TERMINATION 

 

	 	2.1.	 This Agreement shall remain in full force and effect for an initial
36-month term unless terminated in accordance with this section 2. Fidelity may terminate this Agreement at the end of such 36-month period by giving GEFTC 90 days prior
written notification of termination. GEFTC may terminate this Agreement at the end of such 36-month period by giving 90 days prior written notification of termination. Upon termination of this Agreement, both
GEFTC and Fidelity agree to provide on-going support and operational services pursuant to this Agreement no less than 90 days from termination or until the completion of the conversion of assets, whichever
occurs earlier. If, in the event of termination, an Account does not transfer from Fidelity, Fidelity may transfer such Account as it reasonably deems appropriate. 

 

	 	2.2.	 In the event no written notification is given as set forth above, this Agreement shall be deemed to have been
renewed for additional successive one-year periods. At any time during such additional periods, this Agreement may be terminated by Fidelity giving 90 days prior written notification to GEFTC, or by GFTC
giving 90 days prior written notice to Fidelity, and such termination shall be effective as of the end of such 90-day period. Upon termination of this Agreement, both GEFTC and Fidelity agree to provide on-going support and operational services pursuant to this Agreement no less than 90 days from termination or until the completion of the conversion of assets, whichever occurs earlier. 

 

	 	2.3.	 This Agreement may be terminated: 

 

	 	2.3.1.	 by mutual written consent of the parties hereto; 

 

	 	2.3.2.	 by either party upon the occurrence of the following: (i) a material breach by the other party of any of
its representations, warranties, covenants or agreements hereunder, and (ii) the failure to cure such breach by the other party within 30 days following its receipt of written notice of such breach; 

 

	 	2.3.3.	 if required by law or any applicable supervising regulating authorities; 

 

	 	2.3.4.	 by either party if the other party becomes insolvent or becomes the subject of a voluntary or involuntary
bankruptcy proceeding; 

  

	 	2.3.5	 pursuant to Section 2.5 below. 

 

	 	2.3.6.	 by GEFTC in the event that Fidelity fails to provide services in material compliance with Service Levels set
forth in Exhibit C. 

  

	 	2.4.	 The termination of this Agreement will not relieve any party of any obligation or liability hereunder that
accrued prior to such termination. Upon termination of this Agreement, all payments under Section 1.3 shall immediately cease and Fidelity will notify GEFTC of the revised pricing schedule that will apply to any GEFTC Accounts maintained with
Fidelity. 

  
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	 	2.5.	 It is understood that GEFTC strives to grow over time, which could result in growth of client assets under
management, share volume traded and servicing support activity. It is understood that GEFTC may fail to grow or may experience loss of assets over time. As well, it is understood that movements in financial markets will impact GEFTC’s asset
levels and growth paths. The potential for business growth and/or asset loss experienced in the normal course of doing business is contemplated within the standard terms of this Agreement and is not cause for renegotiation of any terms. In the event
of a material change in GEFTC’s business model, Fidelity and GEFTC, respectively, reserve the right to notify the other Party of its request to renegotiate the fee schedule contained in Exhibit B upon providing 90 days notice. A “material
change” for this Section 2.5 may include, but is not limited to: a change from the “omnibus” model to either a “business accounts” or “fully disclosed” model; a change to trading practices in which Fidelity is
no longer being directed substantially all (at least 95%) trade flow related to omnibus assets held in sub-custody by Fidelity; a change to or expansion of servicing standards or practices beyond what is
addressed in this Agreement; or other GEFTC business model changes that result in verifiable and detrimental financial impacts to either party. In such event, if Fidelity and GEFTC fail to reach an agreement on a revised pricing schedule within 90
days of such notice, then either party may terminate this Agreement with a written 90 day termination notice to the other. Upon termination of this Agreement, both GEFTC and Fidelity agree to provide ongoing support and operational services pursuant
to this Agreement no less than 90 days from termination or until the completion of the conversion of assets, whichever occurs earlier. 

  

	3.	 REPRESENTATIONS, WARRANTIES AND COVENANTS 

 

	 	3.1.	 Each of the parties represents warrants and agrees to the others as follows: 

 

	 	3.1.1.	 Such party is an entity duly organized, validly existing and in good standing under the laws of its
jurisdiction of organization and is duly qualified to transact business in each other jurisdiction where it is required to be so qualified; 

  

	 	3.1.2.	 This Agreement has been duly authorized and executed by such party, and represents the legal, valid and binding
obligation of such party, enforceable against such party in accordance with its terms; 

  

	 	3.1.3.	 The execution, delivery and performance by such party of this Agreement does not violate, conflict with or
constitute a breach of any provision of any Federal, state or local law applicable to such party, the organizational documents of such party or any material agreement, contract, consent, decree, order or other instrument to which such party is a
party or by which such party is bound; 

  

	 	3.1.4.	 Each of the parties shall obtain such regulatory and Client consents as may be required, including GEFTC
obtaining the consent of the Arizona State Banking Department, to execute, deliver and perform the term of this Agreement; and 

  
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	 	3.1.5.	 Neither GEFTC and Fidelity, nor Advisor Firm and Fidelity, are affiliated with each other in any way.

  

	 	3.2.	 With respect to the Omnibus GEFTC Accounts and Non-Omnibus GEFTC
Accounts, GEFTC represents, warrants and agrees that: 

  

	 	3.2.1.	 GEFTC is Fidelity’s brokerage customer; 

 

	 	3.2.2.	 Clients are GEFTC’s trust company customers and will not be regarded as Fidelity’s brokerage
customers; 

  

	 	3.2.3.	 GEFTC is responsible for obtaining and maintaining all necessary documentation and information relating to such
Clients and GEFTC Accounts; 

  

	 	3.2.4.	 GEFTC or its designated Advisory Firm is responsible for making all investment decisions and suitability
determinations with respect to such Clients and GEFTC Accounts; 

  

	 	3.2.5.	 Clients will not have any contact with Fidelity with respect to the GEFTC Accounts; 

 

	 	3.2.6.	 GEFTC is responsible for providing all Clients with all information or records to which such Clients may be
entitled by virtue of their beneficial ownership in GEFTC Accounts, including, but not limited to, customer account statements, confirmation of transactions, tax information and any other information or records required by law or regulation;

  

	 	3.2.7.	 GEFTC is responsible for completing all reporting to the Internal Revenue Service and state taxing authorities
on such Client accounts; 

  

	 	3.2.8.	 GEFTC or their designated Advisory Firm is responsible for monitoring the investments in all Client Accounts
held at Fidelity, and Fidelity will not be responsible for monitoring the investments made in any Client accounts; and 

  

	 	3.2.9.	 Fidelity will not be responsible for monitoring the activities of Advisory Firm in GEFTC Accounts.

  

	 	3.3.	 With respect to the Omnibus GEFTC Account, GEFTC represents, warrants and agrees that: 

 

	 	3.3.1.	 Each Client has authorized the Advisory Firm to establish a custodial account for the Client’s benefit at
GEFTC and at sub-custodians as appropriate, therefore, including Fidelity, to maintain the account. 

  

	 	3.3.2.	 GEFTC maintains on its books a separate account for each Client account and segregates in its books each Client
account’s assets. For those Client accounts managed by the Advisory Firm, GEFTC does not take physical custody of Client assets, but holds assets by book entry. 

  
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	 	3.3.3.	 For any new Clients of the Advisory Firm, each Client has authorized GEFTC and the Advisory Firm to transfer
his/her account from a fully disclosed account at the current firm to an account registered under GEFTC, for the benefit of the Client at Fidelity. 

  

	 	3.4.	 To the extent GEFTC is acting in fiduciary capacity to any Client for the purposes of ERISA, GEFTC represents
and warrants that it shall administer the GEFTC Accounts consistent with such obligations, including, but limited to, the proper disclosure and handling of fees and compensation. 

 

	 	3.5	 During the term of this Agreement, each party shall remain in material compliance with each of the laws, rules,
and regulations to which their activities are subject. 

  

	 	3.4.1	 GEFTC agrees to notify Fidelity immediately in the event GEFTC’s charter with any governmental or
regulatory organization which GEFTC is currently registered is suspended, terminated or materially changes. Fidelity agrees to notify GEFTC immediately in the event Fidelity’s registration as a broker-dealer and/or membership with the NASD is
suspended, terminated or materially changes 

  

	 	3.4.2	 Upon reasonable prior written notice, Fidelity will respond to requests for information from the Arizona State
Banking Department related to the books and records maintained by Fidelity in the ordinary course of business with respect to the GEFTC Accounts. In addition, upon written request, Fidelity will provide GEFTC with its SAS 70 and NFS’ Statement
of Financial Condition. 

  

	 	3.6.	 Each Party will be responsible for reviewing and determining whether additional disclosures are necessary in
its respective regulatory filings, disclosures to clients or otherwise with respect to the terms and conditions of this Agreement and obtain any necessary consent from its regulatory authorities and/or Clients. Fidelity and GEFTC acknowledge that
this Agreement must comply with applicable laws, rules and regulations. The parties acknowledge that the sale or redemption of any mutual fund must be made in compliance with such fund’s prospectus and policies and applicable laws, rules and
regulations. GEFTC agrees that it will monitor and assess short term redemption fees on Fidelity mutual funds, and non-Fidelity funds if required, at the sub-account or
participant level on all Omnibus GEFTC Accounts. 

  

	 	3.7.	 Unless otherwise agreed to by GEFTC, Fidelity will not use Client information it obtains from GEFTC to directly
solicit Clients to open Fidelity retail brokerage accounts. 

  

	 	3.8	 With respect to the securities held in GEFTC Accounts, Fidelity shall: 

 

	 	3.8.1	 Timely post any interest and dividends actually received by Fidelity and any amounts actually received by
Fidelity with respect to matured securities. Fidelity shall make such information available on Advisor CHANNEL and CheckFree APL or other third party portfolio accounting systems, as instructed by GEFTC. 

  
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	 	3.8.2.	 Forward to GEFTC copies of all information or documents that it may actually receive from an issuer of
securities pursuant to sections 4.5 and 6 of the Application and Agreement. 

  

	 	3.8.3	 If so notified by a regulatory body or governmental agency, Fidelity will forward to GEFTC any forms or other
document requiring GEFTC’s signature. 

  

	 	3.8.4	 Hold directly, or through a Depository, all rights and similar securities issued with respect to any securities
credited to the GEFTC Accounts. 

  

	 	3.8.5	 Endorse for collection checks, drafts or other negotiable instruments. 

 

	 	3.9	 With respect to any rights or actions conferred upon GEFTC pursuant to the information or documents it receives
under section 3.7, GEFTC will notify Fidelity of its decision relating thereto. 

  

	 	3.10	 GEFTC and Fidelity each agree to maintain respective conversion teams for the support of the initial conversion
of assets to Fidelity during the first 5 months of this Agreement, or for a period of the agreement date through 60-days past the actual conversion date, whichever is longer. Fidelity’s conversion team
will include a business and technical analyst. The parties’ respective conversion teams shall cooperate in good faith to promptly address issues that may arise during the initial conversion. 

 

	 	3.11.	 Upon completion of the implementation and conversion process, Fidelity represents that it will assign and
maintain for the duration of the term a service and support structure that is materially sufficient to maintain the service level standards outlined in Exhibit C. 

 

	 	3.12.	 GEFTC represents warrants and agrees to the additional warranties set forth in Exhibit D and incorporated
herein by reference. 

  

	 	3.13.	 Fidelity represents, warrants and agrees as follows: 

 

	 	3.13.1	 It has the financial resources, personnel and organizational resources reasonably needed to perform its
obligations under this Agreement and will notify GEFTC of any change in circumstances that would materially adversely impact Fidelity’s ability to perform its obligations under this Agreement. 

 

	 	3.13.2	 It shall maintain throughout the term of this Agreement, commercially reasonable levels of excess SIPC coverage
for the protection of the value of all cash and securities held in GEFTC accounts, and it authorizes and approves disclosure by GEFTC to GEFTC Clients that: (i) Client assets in GEFTC Accounts are protected by Securities Investor Protection
Insurance (“SPIC”) insurance up to $[***] (including cash claims limited to $[***]); (ii) additional insurance protection for cash and securities has been arranged to supplement the SIPC coverage; (iii) this additional protection
covers total account net equity in excess of the $[***]/$[***] coverage provided by SIPC; and (iv) neither coverage protects against a decline in the market value of securities. 

  
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	 	3.13.3	 It shall maintain throughout the term of this Agreement a commercially reasonable disaster recovery plan.

  

	4.	 LIMITATION OF LIABILITY AND INDEMNIFICATION 

 

	 	4.1.	 Neither GEFTC nor Fidelity will be liable under this Agreement for any special, consequential, indirect,
incidental or similar damages of any kind, including lost revenue, lost profits and lost or damaged data. Market based losses that are a result of delayed or incorrect execution or other error due to Fidelity’s negligence or willful misconduct
shall not be considered special, consequential, indirect, incidental or similar damages of any kind, unless due to the negligence or willful misconduct of GEFTC or Advisory Firm. 

 

	 	4.2.	 GEFTC will indemnify, defend and hold harmless Fidelity and its officers, directors, managers, employees,
designees, affiliates, subsidiaries and agents (each a “Fidelity Party”) from and against any and all damages, liabilities, expenses (including reasonable attorneys’ fees), costs and claims (collectively, “Costs”) incurred
by any Fidelity Party to the extent arising from or relating to: (i) any breach by GEFTC of any representation, warranty, covenant or other obligation contained in this Agreement; (ii) any error, wrongful act or wrongful omission by GEFTC,
or a third party service provider working for GEFTC, in submitting any order or instruction to Fidelity or performing its obligations under this Agreement; (iii) subject to subsection 4.4, such Fidelity Party’s investigation, preparation
or defense of any of the foregoing; and (iv) any interface or support of any interface GEFTC establishes with TNET or other interface(s) made available through Fidelity. 

 

	 	4.3.	 Fidelity will indemnify, defend and hold harmless GEFTC and its officers, directors, managers, employees,
designees, affiliates, subsidiaries and agents (each a “GEFTC Party”) from any and all Costs incurred by any GEFTC Party to the extent arising from or relating to: (i) any breach by Fidelity of any representation, warranty, covenant
or other obligation contained in this Agreement; (ii) any error, wrongful act or wrongful omission by Fidelity in performing its obligations under this Agreement; and (iii) subject to subsection 4.4, such GEFTC Party’s investigation,
preparation or defense of any of the foregoing. 

  

	 	4.4.	 No party will be entitled to indemnification pursuant to this Agreement to the extent that such party’s
Costs arise out of or relate to such party’s own negligence or willful misconduct. 

  

	 	4.5.	 Promptly after a party (the “Indemnitee”) receives notice or becomes aware of a claim threatened or
commenced against it, against which another party to this Agreement (the “Indemnitor”) is obligated to indemnify the Indemnitee, the Indemnitee will give written notice of such claim to the Indemnitor. However, the Indemnitee’s
failure to notify the Indemnitor will not relieve the Indemnitor from any liability that it may have to any Indemnitee under this Agreement, except to the extent that the Indemnitor has been prejudiced in any material respect by such failure. The
Indemnitor will be entitled to assume the defense of the claim with counsel reasonably satisfactory to the Indemnitee, and the Indemnitee will have the right to participate in the defense or preparation of the defense of the claim as follows:
(i) in the event that the Indemnitor elects to assume the defense of the claim, and to retain such reasonably satisfactory counsel, the Indemnitee will bear all fees and expenses of any additional counsel the Indemnitee retains and any

  
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other costs associated with the Indemnitee’s participation, and (ii) in the event that the Indemnitor does not assume the defense of the claim within a reasonable time after its receipt
of the Indemnitee’s notice, the Indemnitor will reimburse the Indemnitee for its reasonable fees and expenses of counsel in defending the claim. If the Indemnitor assumes the defense of claim, the Indemnitor will not, without the prior written
consent of the Indemnitee, settle or compromise the liability of the Indemnitee, or permit a default or consent to the entry of any judgment in a court action, unless in connection with such settlement, compromise or consent the Indemnitee receives
from the claimant a written unconditional release from all liability in respect of the claim. 

  

	5.	 CONFIDENTIAL AND PROPRIETARY INFORMATION 

 

	 	5.1.	 Definition of Confidential Information. The parties acknowledge that in connection with this Agreement
each may be provided with confidential and proprietary information of the other party and third parties with which the other party conducts business. All information of a party and the third parties with which such party conducts business that is
marked confidential, described as confidential at the time of disclosure or that the receiving party should reasonably know to be confidential, including the information relating to the TNET Interface, is collectively referred to as
“Confidential Information.” The terms and conditions of this Agreement are considered Confidential Information. In addition, any GEFTC Account information shall be considered Confidential Information. Despite any contrary provision in this
Agreement, Confidential Information will not include information that: (a) is or becomes generally known to the public not as a result of a disclosure by the receiving party, (b) is rightfully in the possession of the receiving party
before disclosure by the first party, (c) is independently developed by the receiving party without reliance on such information, or (d) is received by the receiving party in good faith and without restriction from a third party not under
a confidentiality obligation to the first party and having the right to make such disclosure. The parties acknowledge that as financial institutions, each may be subject to certain laws and regulations regarding the privacy and protection of
consumer information and that any use of personal information by the Receiving Party may be subject to compliance with such laws. 

  

	 	5.2.	 Obligations Regarding Confidential Information. Except as expressly permitted by this Agreement, each
party will: 

  

	 	5.2.1.	 keep and maintain all Confidential Information of the other parties in strict confidence, using such degree of
care as is appropriate to avoid unauthorized use or disclosure; 

  

	 	5.2.2.	 not, directly or indirectly, disclose any Confidential Information of the other parties to any third party,
except with the other’s prior written consent; 

  

	 	5.2.3.	 use the other parties’ Confidential Information solely as necessary to perform its obligations or exercise
its rights under this Agreement; 

  

	 	5.2.4.	 not use another party’s Confidential Information to compete with such party in any way; and

  
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	 	5.2.5.	 advise the other party immediately if it learns or has reason to believe that any person or entity which has
had access to such party’s Confidential Information has violated or intends to violate the terms of this Agreement. 

  

	 	5.3.	 Permitted Disclosures. Each party will be permitted to disclose the other parties’ Confidential
Information only to its employees, legal counsel, accountants, auditors, and agents, and its applicable regulatory authorities which expressly request such information during an examination or inquiry (collectively, “Authorized
Recipients”) having a need to know the Confidential Information in connection with the performance of its obligations or the exercise of its rights under this Agreement. Each party will instruct its Authorized Recipients as to their obligations
under this Agreement. Despite any contrary provision in this Agreement, either party may disclose the other party’s Confidential Information to the extent required to comply with law or court order; provided, however, that the party required to
disclose the Confidential Information must if legally permissible: 

  

	 	5.3.1.	 to the extent practicable, give prompt written notice of the disclosure requirement to the party whose
Confidential Information is at issue provided such notice is not prohibited by law, 

  

	 	5.3.2.	 to the extent practicable, give the other party a reasonable opportunity to prevent the disclosure of the
Confidential Information, and 

  

	 	5.3.3.	 reasonably cooperate with the other party in any efforts it makes to prevent the disclosure of the Confidential
Information. 

  

	 	5.4.	 Remedies. The parties acknowledge that the disclosure of another’s Confidential Information may
cause irreparable injury to the other and damages which may be difficult to ascertain. Therefore, each party will be entitled to injunctive relief upon a disclosure or threatened disclosure of any of its Confidential Information in violation of this
Agreement, without the necessity of proving damages. 

  

	6.	 MISCELLANEOUS 

 

	 	6.1.	 Force Majeure. No party will be responsible for losses caused directly or indirectly by conditions
beyond its reasonable control (each, a “Force Majeure Event”), including but not limited to war, natural disaster, terrorist activity, government, clearing corporation or NSCC restrictions or changes, exchange, market, clearing corporation
or NSCC rulings, strikes, interruptions of communications or data processing services, or disruptions in orderly trading on any exchange or market. 

  

	 	6.2.	 Additional Covenants. Each party will retain absolute and complete responsibility for the supervision of
all of its representatives, employees or other agents, and the other party will have no supervisory, compliance or other responsibility as to the actions of such representatives, employees or agents of the other party. 

 

	 	6.3.	 Use of Name; Extent of Relationship. The parties acknowledge that the names of each party, and the names
of each party’s products and services, whether or not registered as a trademark, are owned by such party. Each party agrees not to use such other parties’ names in marketing materials or in any other manner without the owning party’s
prior written approval, except that each party may use the other parties’ names in regulatory filings. No party will represent in any manner that it is an agent or representative of the

  
 12 

	 	
other parties. The sole and exclusive extent of the parties’ relationship will be as set forth in this Agreement. The parties are not partners, joint venturers, employees or employers of one
another. No party will represent or imply in any way that it has any relationship with the other party except as described in this Agreement. 

  

	 	6.4.	 Governing Law. This Agreement will be governed by and construed in accordance with the laws of the
Commonwealth of Massachusetts, without regard to the choice of law principles thereof. 

  

	 	6.5.	 Entire Agreement; Successors and Assigns. This Agreement constitutes the entire agreement between the
parties hereto with respect to the matters contained herein and supersedes all prior agreements and understandings between the parties with respect thereto. Neither party may assign its rights or delegate its duties under this Agreement without the
prior written consent of the other parties; provided however, that any party may assign its rights or delegate its duties to any affiliate, subsidiary or assignee whether by merger, consolidation or otherwise that agrees in writing to perform such
party’s duties. This Agreement will be binding upon and will inure to the benefit of the parties and its successors and permitted assigns. 

  

	 	6.6.	 Notices. Any notice, demand, consent, election, offer, approval, request or other communication
(collectively, a “Notice”) required or permitted under this Agreement must be in writing and delivered by a nationally recognized overnight courier or sent by certified or registered mail, postage prepaid, return receipt requested. A
Notice must be addressed to a party as follows: 

  

	 	6.6.1.	 If to Fidelity: 

Fidelity Brokerage Company 

Attention: Jennifer Moran, Senior Vice President 

82 Devonshire Street Z2N 

Boston, MA 02109 
  

	 	6.6.2.	 If to GEFTC: 

GE Financial Trust Company, FSB 

ATTN: President 
 3200 N.
Central Avenue, Suite 620 
 Phoenix, Arizona 85012 
  

	 	6.6.3.	 A Notice delivered via a nationally recognized overnight courier will be deemed given as of the next business
day after it is sent. A Notice sent via mail will be deemed given three business days after it is mailed. The address specified by a party above for notices to be sent may be changed by such party by written notice to the other parties.

  
 13 

	 	6.7.	 Amendment and Waiver. The terms of this Agreement may be waived, amended or modified in whole or in part
only by a writing signed by GEFTC and Fidelity. The failure by either party of any time to require performance by the other of any provision of this Agreement will not affect in any way either party’s right to require such performance at any
time thereafter. The waiver by either party of a breach of a provision of this Agreement will not be taken or held to be a waiver of the provision itself. 

  

	 	6.8.	 Non-Exclusivity. Each party may enter into other similar
agreements with any other person or persons without the other party’s consent. 

  

	 	6.9.	 Severability. All provisions and covenants contained herein are severable, and in the event that any one
or more of them is held to be invalid, illegal or unenforceable in any respect by any court of competent jurisdiction, the validity, legality and enforceability of the remaining provisions and covenants contained herein will not in any way be
affected thereby, and this Agreement will be interpreted as if such invalid, illegal or unenforceable agreement(s), provision(s) or covenant(s) was not contained herein. 

 

	 	6.10.	 Survival. The rights and obligation of the parties under sections 4 and 5 shall survive any termination
of this Agreement. 

  

	 	6.11.	 Captions. The descriptive heading of the sections and subsections of this Agreement are for convenience
only, do not constitute a part of this Agreement, and do not affect this Agreement’s construction or interpretation. 

REMAINDER OF PAGE INTENTIONALLY LEFT BLANK 

  
 14 

 IN WITNESS THEREOF, the parties hereto have caused this Agreement to be executed as of the
day and year first above written. 
  

					
		 	GE FINANCIAL TRUST COMPANY, FSB
			
	      	 	By:	 	 /s/ Gurinder Ahluwalia

		 	Name:	 	Gurinder Ahluwalia
		 	Title:	 	Chairman
			
		 	Date:	 	11/1/05

 FIDELITY BROKERAGE SERVICES LLC AND NATIONAL FINANCIAL SERVICES LLC, ACTING THROUGH FIDELITY REGISTERED
INVESTMENT ADVISOR GROUP 
  

					
		 	By:	 	 /s/ Jennifer Moran

	      	 	Name:	 	Jennifer Moran
		 	Title:	 	Senior Vice President
			
		 	Date:	 	NOV 03 2005

  
 15 

 Exhibit A 

Attach: 
  

	1.	 Advisor Brokerage Kit, including: 

 

	 	a.	 Advisor Account Agreement 

 

	 	b.	 Advisor Account Application 

 

	2.	 Transfer of Asset for Unlike Registrations 

  
 16 

 Exhibit B 

Pricing Schedule 
  

									
	EQUITIES	  		  	    	  	MUTUAL FUNDS	  	
	Trades submitted electronically (via Advisor Channel or CheckFree APL):	  		  	Fidelity NTF* No-Load Funds	  	[***]
					
	 Minimum ticket charge:
	  	[***] per trade	  		  	Fidelity Low-Load Funds	  	“
					
	 Maximum ticket charge:
	  	[***] per trade	  		  	Non-Fidelity NTF* No-Load Funds	  	“
					
	 Cents per share charge:
	  	[***]/share	  		  	Non-Fidelity Load Funds at NAV/NTF*	  	“
				
	Rep. assisted trades placed via telephone	  		  	Non Fidelity Load Funds	  	“
					
		  		  		  	Non-Fidelity No-Load	  	[***]
					
	 Minimum ticket charge:
	  	[***] per trade	  		  	Mutual Funds Transaction Fee:	  	on all buys and sells
					
	 Maximum ticket charge:
	  	[***] per trade	  		  		  	
					
	 Cents per share charge:
	  	[***]/share	  		  		  	
				
	OPTIONS	  		  		  	
					
	 Commission Per Contract
	  	[***]	  		  		  	
					
	 Minimum Block Trade Commission
	  	[***]	  		  		  	
				
	 Allocated trades subject to 10-contract minimum.
	  		  		  	
				
	FIXED INCOME	  		  	OTHER FEES	  	
					
	Principal Business	  		  		  	Wire Fee	  	[***]
					
	Municipal bonds	  	[***]	  		  	Trade-Away Fee	  	[***]
					
	Government notes & bonds	  	[***]	  		  	Foreign-Security Transfer Fee	  	[***]
					
	GNMAs and CMOs	  	[***]	  		  	Check Reorder	  	[***]
					
	Corporate Bonds	  	[***]	  		  	Retirement Account Close-out Fee:	  	
					
		  		  		  	 - IRA
  

- Keogh
  

- SEP
	  	 [***] Per Account
  

[***] Per Account
  

[***] Per Account

					
	Agent Business *	  		  		  	Margin	  	[***]
					
	 Corporate Bonds
	  		  		  		  	
					
	 — Commission Per Bond
	  	[***]	  		  		  	
					
	 — Minimum Commission Per Allocation
	  	[***]	  		  		  	
			
	 *  The majority of fixed income business is executed on a Principal
Basis
	  		  	
		
	ADDITIONAL SERVICES PROVIDED AT NO CHARGE	  	
			
	 Advisor CHANNEL

Clearing & Custodial Services

EFT
 NASU, Asset
Conversions/Transfers
	  		  	 Dividend Postings

Retirement Accounts
 Establishment
of TNET and CheckFree APL Interface All services described in Appendix C

  
 17 

 EXHIBIT C 

Service Levels 
  

	A.	 GENERAL PROVISIONS 

Provided GEFTC has substantially performed its obligations under the Agreement and any other policies and procedures agreed to in writing between GEFTC and
Fidelity, including any prerequisites noted set forth in the Services Levels, Fidelity shall provide service level and support to GEFTC in accordance with the standards described below. 

 

	 	1.	 General Service Levels 

The following Service Level is attached hereto as Schedule A and incorporated herein by reference: 

 

	 	•	 	 Service Level 1 – Transmission File Availability 

 

	 	•	 	 Service Level 2 – Key Activity Operations Efficacy 

 

	 	•	 	 Service Level 3 – System Availability 

 

	 	2.	 Reporting. 

Within 15 business days after the end of each calendar quarter, Fidelity will generate a quarter report covering the degree of compliance with
the stated service level in order to measure performance and monitor standards as compared to the appropriate service level specifications set forth in Schedule A. 

GEFTC and Fidelity shall designate appropriate personnel to meet on a quarterly basis in an agreed upon forum, after production of monthly
reports for a calendar quarter by Fidelity, and at the respective costs of Fidelity and GEFTC, to review the past quarter’s reports and the performance of the Parties and to discuss potential problems or issues in connections with the services
level. Both Parties agree to make good faith efforts to resolve such problems or issues. 
  

	 	3.	 Measurement and Monitoring Methodologies. 

The measurement and monitoring methodologies are described in the Service Level. 

 

	 	4.	 Commencement of Obligations. 

The measuring and reporting obligations set forth herein shall commence upon the second calendar month following conversion. 

 

	 	5.	 Cooperation. 

The achievement of the Service Level by Fidelity will require the coordinated, collaborative, good faith effort of Fidelity, GEFTC and with
each party’s respective subcontractors or vendors. Each party will provide a single point of contact for the prompt resolution of all issues. 

  
 18 

	 	6.	 Detailed Metrics: 

The detailed metrics relating to Service Levels and Key Measurements are as set forth in Appendix C-1.

  

	 	7.	 Definition for Services Levels: 

 

			
	 Phrase / Term
	  	 Description

	“Business Hours”	  	Defined as the hours from 8:00 a.m. to 8:00 p.m. Eastern Time on all days during which the New York Stock Exchange is open, unless otherwise stated in a specific Service Level.
		
	“Key Activities”	  	Means each of the activities listed on Key Activity Requirements as identified in Service Levels 2 and 3.
		
	“Measurement Interval”	  	Means the frequency which Fidelity will measure the Service Level performance for monthly reporting. Criteria are defined in the detail of each Service Level, respectively.
		
	“On-Time”	  	Means in accordance with time periods listed.
		
	 “Problem

Response”
	  	Means acknowledgment of Fidelity’s receipt of a Problem Ticket from GEFTC through approved escalation processes.
		
	“Resolution”	  	Means providing a commercially reasonable fix, error correction or work-around.
		
	“Service Metric”	  	Means the expected Fidelity performance requirements as defined in the detail of each Service Level, respectively,
		
	“Transmission Files”	  	Means the files designated as such in Service Level #1.
		
	 “Severity

Levels”
	  	See Appendix C-1, Service Level #1 Severity Level Definitions for Prioritization of Technical Issues

  
 19 

 Appendix C-1 

SERVICE LEVEL #1 
  

							
	TRANSMISSION FILES AVAILABILITY
		
		  	MEASUREMENT METHOD
		
	Data Capture/ Measurement Method	  	FRIAG Quarterly Performance Report
			
	 Measurement

Interval
	  	Daily, Month End or Year End as described below.	  	
		
	Calculation	  	For each File Transmission, the number of file transmissions completed in accordance with the respective Service Level divided by the total number of transmissions completed.
		
		  	RESPONSIBILITY
				
	 Reporting

Period
	  	Quarterly	  		  	
		
	Applicable Hours	  	Per Time Frames Listed in Service Metrics.
		
		  	SERVICE METRICS FOR SERVICE LEVEL #1
		
	Service Level	  	 1.  Transmission Files Availability. 95% of the file transmissions
(based on a weighted average of the aggregate number of files transmitted) shall be completed in accordance within Time Frame/Availability requirements for such Transmission Files.

				
	 	  	 Transmission File:
	  	 File Name:
	  	 Time
Frame/Availability:

		  	Security Master File– sent from Fidelity to GEFTC	  	 FBSI.TCS.FBDTN05P.G
 E.ORDER.ACKS(0)
	  	Daily by 7:00 a.m.
				
		  	Trade Confirmations – sent from Fidelity to GEFTC	  	 FBSI.TCS.FBDTN20P.G
 E.CONFIRMS(0)
	  	Daily, by 7:00 a.m.
				
		  	Trade Settlement – sent from Fidelity to GEFTC	  	FBSI.TCS.FBB5960.GE.
TRADE. SETTLE(0)	  	Daily, by 7:00 a.m.
				
		  	Income Settlement – sent from Fidelity to GEFTC	  	 FBSI.TCS.FBB5961.GE.I
 NC.SETT(0)
	  	Daily, by 4:30 p.m.
				
		  	Income Projections – sent from Fidelity to GEFTC	  	 FBSI.TCS.FBB5961.
 GE.INC.PROJ(0)
	  	Daily, by 4:30 p.m.
				
		  	Position Reconciliation – sent from Fidelity to GEFTC	  	 FBSI.TCS.FBDTN15P.
 GE.POSITION(0)
	  	Daily, by 7:00 a.m.
				
		  	Trade Commissions – (available on Advisor Channel.com	  	Quarterly commission report	  	Quarterly (no later than 30th day of the month following calendar quarter end.)

  
 20 

					
		  	SERVICE METRICS FOR SERVICE LEVEL #1, CONTINUED
		
	Service Level Support	  	Transmission File Business Processes:
	 	  	 Business Process
	  	 Prerequisite (if any)

		  	i. Prompt notification upon discovery of problems affecting any file transmissions to/from GEFTC	  	 GEFTC to promptly notify Fidelity of any transmission problems discovered at GEFTC site.

 
 GEFTC to research locally to determine that incident is not a GEFTC problem before
reporting transmission failures to Fidelity; or concurrent to notification to Fidelity where GEFTC reasonably believes problem is not a GEFTC problem.

			
		  	ii. Communication of specific alternatives to resolve transmission file failures.	  	GEFTC to research locally to determine that incident is not a GEFTC problem before reporting transmission failures to Fidelity; or concurrent to notification to Fidelity where GEFTC reasonably believes problem is not a GEFTC
problem.
			
		  	 iii. Technology Support for File Transmissions provided as follows:

 
 1-603-791-7604
 (during the hours of

8:30 a.m. to 5:00 p.m. ET)
 — or —

24 x 7
 1-800-525-3274
 Option #2

— or —
 Ibg.transmission.support@fmr.com
	  	GEFTC to research locally to determine that incident is not a GEFTC problem before reporting transmission failures to Fidelity; or concurrent to notification to Fidelity where GEFTC reasonably believes problem is not a GEFTC
problem.
			
		  	 iv. AC.com and Advisor Channel Software Support available as follows:

 
 1-800-248-2885
 Option #3

(during the hours of 8:00 a.m. to 8:00 p.m. ET)
	  	GEFTC to research locally to determine that incident is not a GEFTC problem before reporting transmission failures to Fidelity; or concurrent to notification to Fidelity where GEFTC reasonably believes problem is not a GEFTC
problem.
			
		  	 v. Program Bugs – technical support provided as follows:
  

1-800-248-2885

Option #1
 (during the hours of 8:30 a.m. to 5:00 p.m.
ET)
	  	GEFTC to research locally to determine that incident is not a GEFTC problem before reporting transmission failures to Fidelity; or concurrent to notification to Fidelity where GEFTC reasonably believes problem is not a GEFTC
problem.

  
 21 

 Severity Level Definitions for Prioritization of Technical Issues: 

The following Severity Level response matrix represents Fidelity’s corporate policy for addressing technology and product disruptions. 

 

											
	 Severity

Level
	  	 Definition
	  	 Who Opens
	  	 Response
	  	 Response

Time
	  	 Resolution or
Work Around

Time

	1	  	Site or platform outage or significant business disruption across multiple clients	  	 TechOps;
 Operational

Support
	  	 Operational problem: Immediate fix.
  

Software problem: Work around provided until problem is fixed and inform business.
	  	  
 45 minutes
	  	  
 2 hours

						
	2	  	Business critical - functionality loss or major client dissatisfier, including known security breaches	  	 TechOps;
 Operational

Support
	  	 Operational problem: Fix within 24 hours and inform business.
  

Software problem: Close into CQ for business prioritization.
	  	  
 60 minutes
	  	 Operational problem: Fix within 24 hours and inform business.
  

Software problem: Close into CQ for business prioritization.

						
	3	  	Non-business critical defects	  	 TechOps;
 Operational

Support
	  	 Operational problem: Fix within 72 hours and inform business.
  

Software problem: Close into CQ for business prioritization.
	  	  
 90 minutes
	  	 Operational problem: Fix within 72 hours and inform business.
  

Software problem: Close into CQ for business prioritization.

 

			
		  	PREREQUISITES
		
	 Prerequisites
	  	 GEFTC to immediately research perceived transmission failures locally to ensure that any such failure is not a result of a failure of
GEFTC’s systems before reporting such transmission failures to Fidelity.
  

Standing weekly conference call to be held within no less than 90 days following the initial conversion of the Accounts to Fidelity to identify, discuss and
resolve any operational or relationship issues.

  
 22 

 SERVICE LEVEL #2 

 

			
	KEY ACTIVITY - OPERATIONS EFFICACY
		
		  	MEASUREMENT METHOD
		
	Data Capture/ Measurement Method	  	FRIAG Quarterly Performance Report
		
	 Measurement

Interval
	  	Quarterly
		
	Calculation	  	For each Key Activity, the number of activities completed in accordance with the respective Performance Level divided by the total number of activities completed
		
		  	RESPONSIBILITY
		
	 Reporting

Period
	  	Quarterly
		
	 Applicable

Hours
	  	N/A
		
		  	SERVICE METRIC
		
	Service Level	  	90% of Key Activities (based on a weighted average of the aggregate number of activities completed) shall be completed in accordance with the Performance Levels set forth below for such Key Activities
		
		  	PREREQUISITES
		
	Prerequisites	  	See Key Activities Below

  
 23 

 SERVICE METRICS FOR SERVICE LEVEL #2 

 

							
	 Business

Process
	  	 Key Activity
	  	 Performance Level
	  	 Prerequisite (if any)

	Transfer of Account (“TOA”) Initiation – Receives	  	Non- Automatic Converion of Accounts Transfer (“ACAT”) Transfers In (TOA receives)	  	Fidelity will process 95% of Non-ACAT transfers that are received In Good Order the same day with receipt of complete transfer documentation.	  	Transfer documentation must be In Good Order (“IGO”). Brokerage account application must be IGO. GEFTC must provide evidence of matching registration, address and SSN as compared to the delivering firm’s records.
GEFTC to include “fbo” reference on the account to match the registration of delivering firm’s records. GEFTC and Fidelity will follow process outlined in TOA workflow document.
				
	TOA Initiation – Receives	  	ACAT Transfers (TOA receives)	  	Fidelity will process 95% of ACAT transfers that are received In Good Order the same day with receipt of complete transfer documentation.	  	Transfer documentation must be IGO. Brokerage account must be established. GEFTC must provide evidence of matching registration, address and SSN as compared to the delivering firm’s records. GEFTC to include “fbo”
reference on the account to match the registration of delivering firm’s records. GEFTC and Fidelity will follow process outlined in TOA workflow document.
				
	TOA Initiation – Receives	  	Notification of rejected TOA receives	  	Notice of ACAT and Non-ACAT transfers NIGO and Reject is posted to AC.com intra-day.	  	Following the completion of training and workflow analysis, the parties agree to negotiate in good faith the maximum Not In Good Order (“NIGO”) rate.
				
	TOA Initiation – Delivers	  	Transfers Out (TOA delivers)	  	Fidelity will process 95% of transfers that are received In Good Order within 3 business days of receipt.	  	Transfer documentation must be IGO.
				
	Cash Disbursement from Business Accounts	  	Delivery of cash to GECTC	  	Fidelity will deliver funds to GECFT within 1 day of settlement of transactions.	  	Request from GEFTC is in IGO.

  
 24 

							
	 Business
Process
	  	 Key Activity
	  	 Performance Level
	  	 Prerequisite (if any)

	Journal from Business Account to Omnibus Account	  	Asset Movements, Trailing Dividends/Interest	  	Fidelity will process 95% of journal request on the same day of receipt of Letter of Instruction (“LOI”). This also includes dividends and interest income received in the non-omnibus GEFTC Accounts. Fidelity shall journal
such assets to the GEFTC Omnibus Account per GEFTC’s instruction.	  	GEFTC to provide a letter of instruction (“LOI”) IGO on the journal of assets.
				
	NASU	  	New Account Set- Up	  	Completed same business day.	  	 Brokerage account application must be received IGO through Fidelity’s Covington, KY facility by 1:30 pm E.T.

 
 Large faxed New Account volume near cut-off time
may affect standard.

				
	 Trade
 Execution
	  	Equity Execution Quality	  	95% of all trades through Fidelity will be executed at or between the quoted spreads.	  	Fidelity must receive at least 3 day prior notice of any planned rebalancing activity.
				
	Service	  	Telephone Calls	  	85% of telephone service calls will be answered within 20 seconds.	  	Based upon volume routed through appropriate 800 number/PIN.
				
	Service	  	 Problem
 Resolution
	  	75% of work items resolved within 2 days	  	Tracking work item must be opened by Fidelity CSM.

  
 25 

 Exhibit D 

Additional GEFTC Representations and Warranties 

GEFTC represents warrants and agrees as follows: 
  

	1.	 GEFTC is a “bank” as that term is defined in Section 3(a)(6) of the Securities Exchange Act, as
amended (the “Exchange Act”), and is exempt from registration as a “broker” or “dealer” under the Exchange Act. Subsequent to the May 12, 2001 effective date of relevant provisions of the Gramm-Leach-Blilely Act
(the “GLB Act”), GEFTC will operate its activities in such a manner so as to remain exempt from broker dealer registration. 

  

	2.	 GEFTC has received all necessary consents, authorizations and approvals (collectively, the
“Approvals”) from any fiduciaries, co-fiduciaries, grantors, beneficiaries or other persons or entities exercising authority or rights with respect to the Clients under any account.

  

	3.	 GEFTC has made such disclosures to Clients regarding all third-party service providers we use and any personal
information GEFTC passes through to third-party providers in the course of managing Client Accounts. 

  

	4.	 Clients executing authorizing documents, including the delegation to GEFTC of discretionary investment
authority, shall be properly authorized to do so by the person, grantor, trust, institution or other entity the Client represents. 

  

	5.	 In the event GEFTC provides instructions to Fidelity via a faxed or imaged document, GEFTC represents that it
will have the original of that document in its files and will forward to Fidelity upon request. 

  

	6.	 GEFTC shall be financially responsible for any unsatisfied financial obligation in GEFTC’s firm or Client
Accounts in that event that that obligation is the result of instructions, or an order that GEFTC or a third-party service provider working for GEFTC directs to Fidelity. 

 

	7.	 GEFTC understands and accepts that for a variety of reasons, including verification of securities transactions
and other information, Fidelity may monitor and / or tape-record telephone conversations with GEFTC and its employees. GEFTC also understands that such monitoring and/or recording may take place without an audible electronic “beep”, tone
or vocal announcement to indicate the line may be recorded. GEFTC consents to such recording and will be solely responsible for notifying, and obtaining the consent of all present GEFTC employees, and any that join GEFTC in the future, that such
conversations may be monitored and/or recorded. GEFTC consents to the admission of such recordings as evidence in any adjudication of any dispute or claim arising under this representation should Fidelity wish to admit them. 

 

	8.	 GEFTC shall not alter the Fidelity custodial agreement, disclosure statement, client agreements, or Client
applications provided to GEFTC by Fidelity. 

  
 26 

 AMENDMENT 

OF THE 

SUBCUSTODIAL AND 

SERVICE AGREEMENT 

This amendment (“Amendment”) to the Subcustodial and Service Agreement, including any prior amendments thereto,
(“Agreement”) between Genworth Financial Trust Company (“GFTC”) and Fidelity Brokerage Services LLC (“FBS”) and National Financial Services LLC (“NFS”), (FBS and NFS together, “Fidelity”) acting
through its business unit Fidelity Registered Investment Advisor Group (“FRIAG”) (Fidelity, FRIAG and GFTC may individually be referred to as a “Party” or collectively as “Parties”), is entered into by and among the
parties hereto as of February 22, 2007 (“Effective Date”). 
 WHEREAS, Fidelity and GFTC intend to amend certain pricing
terms set forth in Exhibit B to the Agreement; 
 WHEREAS, GFTC desires Fidelity to provide additional products/services to GFTC including
customizing reports of execution quality, referral programs and marketing support programs; 
 WHEREAS, Fidelity intends to work with GFTC
to scope additional products/services requested by GFTC, including customization of execution quality reports, referral programs and marketing support programs; 

WHEREAS, the Parties intend to negotiate in good faith the addition of mutually agreed upon services to this Agreement, including related
pricing for such services. 
 NOW, THEREFORE, in consideration of the mutual agreements hereinafter set forth, and for other good and valuable
consideration, the receipt and adequacy of which is hereby acknowledged, the parties, intending to be legally bound, do hereby agree as follows: 
 1.
Exhibit B, entitled Pricing Schedule, is hereby amended to replace in its entirety the section entitled Equities as follows: 

 EQUITIES 

Trades submitted electronically (via Advisor Channel or Checkfree APL): 

 

					
	 Minimum ticket charge:
	  	 	[	***] per trade 
	 Maximum ticket charge:
	  	 	[	***] per trade* 
	 Cents per share charge:
	  	 	[	***]/share 
	 Rep. assisted trades placed via telephone
	  			
	 Minimum ticket charge:
	  	 	[	***] per trade 
	 Maximum ticket charge:
	  	 	[	***] per trade* 
	 Cents per share charge:
	  	 	[	***]/share 

  

			
	 *  Maximum ticket charge shall apply as a ceiling for the Cents per
share charge of [***]/share in the case of trades submitted electronically and of [***]/share in the case of Rep. assisted trades placed via telephone, however; trades executed via Fidelity Capital Markets Services Institutional Program Trading
capabilities (which may include Domestic Institutional Block Trading, Standard Algorithmic Trading, Proprietary Algorithmic Trading, and Staged CrossStream Trading) will include a surcharge of [***] per share:

 2. Billing. With respect to the billing of charges associated with the annual GFTC rebalancing only, such charges will
be billed directly to GFTC in two separate installments. Each such installment shall be equal to fifty percent (50%) of the total annual rebalancing charges. The first installment shall be billed as part of the Q1 billing cycle (to be paid by GFTC
in Q2) and the second installment shall be billed as part of the Q3 billing cycle (to be paid by GFTC during Q4 2007). The second installment will only be due and payable to Fidelity if a mutually agreed upon set of services (outlined in
Section 3) are materially delivered and implemented in accordance with the good faith amendment process outlined in section 3, unless any such failure by Fidelity to meet the requirements outlined in Section 3 below is materially due to
the action or inaction of GFTC in which case the second installment shall be due. 
 3. Additional Products/Services. The Parties hereby agree to act
in good faith and use commercially reasonable efforts to amend the existing Agreement within sixty (60) days of the date hereof to include additional products/services, including charges for such products/services. Such an amendment shall be
subject to mutual agreement by the Parties. Further, as part of this effort towards defining and providing additional products/services, the parties agree to act in good faith to scope out the following products/services currently requested by GFTC:

  

	 	a)	 customization of execution quality reports for GTFC trades; 

 

	 	b)	 participation in business development or referral programs; 

 

	 	c)	 provision of additional general marketing consulting services and programs (does not include expenses for
reproduction of marketing materials); 

  

	 	d)	 consultation and implementation of new TOA workflows; and 

 

	 	e)	 consultation and implementation of 401k distribution strategies. 

 4. This Amendment may be executed in one or more counterparts, each of which shall be deemed an original and
all of which, when taken together, shall constitute one and the same instrument. 
 5. The pricing set forth in this Amendment will be effective on the
Effective Date. 
 6. Unless amended herein, all other provisions of the Agreement shall remain in full force and effect. 

 

									
	National Financial Services LLC	  	Genworth Financial Trust Company
					
	By:	 	 /s/ Jennifer Moran
	 		  	By:	  	 /s/ Michael J Abelson

	Name:	 	Jennifer Moran	 		  	Name:	  	Michael J Abelson
	Title:	 	Sr. Vice President	 		  	Title:	  	Senior Vice President
	Date:	 	Feb 23, 2007	 		  	Date:	  	Feb 22, 2007

			
		 	

  

			
	 

	  	Fidelity Institutional
	 FI CMS SCANNING FORM
	  	
		
	 FIMCo Box Number
	  	00001639567
		
	 Firm Name
	  	GENWORTH FINANCIAL TRUST CO.
		
	 Firm Number
	  	18582
		
	 Contract/Amendment Type
	  	AMENDMENT TO CUSTODY AGMT - COST BASIS REPORTING
		
	 Corresponding Contract ID
	  	
		
	 Contract Effective Date
	  	12/13/2011
		
	 Business Unit
	  	FIDELITY INSTITUTIONAL WEALTH SERVICES
		
	 Firm Status
	  	ACTIVE
		
	 Contract Name

	  	FIDELITY INSTITUTIONAL WEALTH SERVICES
		
	 Amendment Completed Date
	  	
		
	 Amendment ID
	  	30183
		
	Notes Field	  	
		  	

			
	 	 	
	 	 	
	 	 	
	 	 	
	 	 	

  
 

 

 EXECUTION COPY 

DEC 16 2011 
 AMENDMENT TO THE
CUSTODY AGREEMENT 
 This Cost Basis Reporting Amendment (this “Amendment”) to the Subcustodial and Service Agreement (the
“Agreement”) made and entered into November 1, 2005 by and among Fidelity Brokerage Services LLC (“FBS”), National Financial Services LLC (“NFS”) (together, “Fidelity”), and Genworth Financial Trust
Company (“Customer”), shall be effective as of the date, or the last of the dates, if different, on which this Amendment is executed by FBS, NFS and Customer (the “Effective Date”). 

WHEREAS, the parties wish to amend the Agreement, as set forth below: 

NOW, THEREFORE, in consideration of the mutual covenants contained herein and other good and valuable consideration, Fidelity and Customer
agree as follows: 
  

	 	1.	 The attached “Cost Basis Reporting Addendum” (the “Addendum”) is hereby added to the
Agreement. 

  

	 	2.	 Except as specifically amended hereby, the terms, provisions, conditions, covenants and agreements set forth in
the Agreement are hereby confirmed and shall remain in full force and effect. 

  

	 	3.	 In the event of a conflict between the terms of the attached Addendum and the terms of the Agreement, the terms
of the Agreement shall control. 

 IN WITNESS WHEREOF, the Parties hereto have caused this Amendment to be executed as of
the Effective Date. 
  

									
	Fidelity Brokerage Services LLC	 		 	     National Financial Services LLC

									
					
	BY:	 	 /s/ Melissa Morganti Zizza
	 		 	     BY:	 	 /s/ Pui Shan Ng

									
	PRINT NAME:	 	Melissa Morganti Zizza	 		 	PRINT NAME:	 	Pui Shan Ng
	PRINT TITLE:	 	Vice President	 		 	PRINT TITLE :	 	Vice President
	DATE SIGNED:	 	12/13/11	 		 	DATE SIGNED:	 	12-6-2011
				
	Customer	 		 		 	

									
					
	NAME:	 	Genworth Financial Trust Company	 		 		 	

									
					
	BY:	 	 /s/ Bradford Wheeler
	 		 		 	

									
	PRINT NAME:	 	Bradford Wheeler	 		 		 	
	PRINT TITLE:	 	PRESIDENT	 		 		 	
	DATE SIGNED:	 	11/30/2011	 		 		 	

 COST BASIS REPORTING ADDENDUM 

WHEREAS, the Internal Revenue Service has issued final regulations on broker reporting of sales of securities and on the basis of securities
pursuant to Sections 6045(g), 6045A, and 6045B of the Internal Revenue Code (the “Cost Basis Rule”), which require an applicable person (as such term is defined in the Cost Basis Rule) to furnish to a receiving broker a transfer statement
that includes certain information about a transferred security (“Transfer Statement”); 
 WHEREAS, pursuant to the arrangement
between the parties governed by the Custody Agreement, Fidelity is an “applicable person” under the Cost Basis Rule, and Customer is a bank that maintains the information prescribed by Treasury Regulations
Section 1.6045A-1(b) to be included in a Transfer Statement as required by the Cost Basis Rule (“Required Information”); 

WHEREAS, Customer may elect to either 1) provide to Fidelity the Required Information for each transaction necessary for Fidelity to complete
and issue Transfer Statements; or 2) issue its own Transfer Statements directly without the involvement of Fidelity, in each case on the terms and subject to the conditions set forth herein. 

NOW, THEREFORE, in consideration of the mutual covenants contained herein and other good and valuable consideration, Fidelity and Customer
agree as follows: 
  

	1.	 CUSTOMER OBLIGATIONS 

1.1. Required Information. 

(a) Customer agrees to provide Fidelity with instructions as to the manner in which it shall facilitate compliance with the Cost Basis Rule as
set forth on Exhibit A. Such instructions shall be provided to Fidelity in writing on or before December 15, 2011. Fidelity may use and disclose to the receiving broker any Required Information provided by Customer to carry out its
obligations under this Amendment and under applicable law, including without limitation by issuing Transfer Statements consistent with the Cost Basis Rule. 

(b) In providing any Required Information to Fidelity hereunder, Customer shall comply with all applicable laws, including, without limitation,
laws governing the collection, use and distribution of personal information. The Parties acknowledge that the Required Information may include personal and other confidential information. Customer shall promptly notify Fidelity of any contractual
restrictions to which it is subject which may govern, limit or otherwise impact the collection, use or distribution of the Required Information as contemplated under this Custody Agreement. 

(c) Customer agrees that Customer is exclusively responsible for the accuracy and adequacy of all the Required Information that it transmits to
Fidelity. Customer represents and warrants that the Required Information transmitted to Fidelity will not disrupt, disable, harm, or otherwise impede any software, firmware, hardware, computer system or network owned by Fidelity or operated for or
on behalf of Fidelity. 
 1.2. No Fees. The Parties acknowledge that no fees are payable by Customer to Fidelity under this Amendment.

  
 2 

	2.	 FIDELITY OBLIGATIONS 

2.1. Required Information. Fidelity hereby agrees to use the Required Information only for purposes related to the Cost Basis Rule and
for any other purposes permitted or required by applicable law. Fidelity will maintain the security and confidentiality of the Required Information, including shareholder data, as required by applicable law. 

 

	3.	 WARRANTIES; LIMITATIONS; AND INDEMNIFICATION 

3.1. Customer Responsibilities. Customer acknowledges and agrees that it is solely responsible for ensuring that its delivery of any
Required Information to Fidelity complies with all applicable laws, rules and regulations of relevant federal and state authorities, applicable self-regulatory organizations and any other regulatory authority. Customer represents and warrants to
Fidelity that: (a) the Required Information it provides will be complete and accurate; (b) it has authority to possess and to provide the Required Information and is in compliance with and is not violating any privacy or confidentiality rules,
regulations, or agreements by providing same; (c) Fidelity is authorized to use the Required Information in order to comply with its Cost Basis Rule obligations; and (d) the Required Information does not contain any malicious code and will
not cause any computer virus or data corruption. 
 3.2. Indemnification. Customer will indemnify and hold harmless Fidelity and its
Affiliates, officers, directors, employees and agents from and against any and all penalties, fines and interest assessed by the Internal Revenue Service, as well as any and all other liabilities, damages, awards, settlements, losses, claims and
expenses, including without limitation reasonable attorney fees and expenses and costs of investigation (collectively, “Damages”) resulting from and to the extent arising from Customer’s breach of any term or condition of this
Amendment. In the event that any Required Information is disclosed by Fidelity at any time, such disclosure shall be made in accordance with all applicable laws, rules and regulations, including but not limited to the Graham-Leach-Bliley Act as it
applies to Customer. 

  
 3 

 EXHIBIT A 

In accordance with the terms of this Amendment, Customer shall inform Fidelity which of the methods set forth below it desires to employ in order to ensure
compliance with the Cost Basis Rule. Customer shall deliver to Fidelity all Required Information needed by Fidelity to carry out its obligations under this Amendment and to comply with applicable law, including, without limitation, the Cost Basis
Rule. 
 Method A: 
 On or before the thirteenth (13th) day following settlement of a transfer of assets, Customer shall provide Fidelity with the Required Information necessary for Fidelity to issue Transfer Statements in compliance with the Cost Basis
Rule. Customer shall submit to Fidelity the Required Information via the platform agreed to by the parties. 
 Method B: 

Customer acknowledges Fidelity’s duty to furnish Transfer Statements under the Cost Basis Rule. Customer represents and warrants that it shall perform the
functions on Fidelity’s behalf necessary to satisfy this regulatory obligation, including, but not limited to, gathering and maintaining the Required Information, creating Transfer Statements, and issuing the Transfer Statements to the
receiving brokers as required by the Cost Basis Rule. Fidelity agrees to provide Customer with any Required Information in its possession necessary to assist Customer in fulfilling its obligations hereunder to furnish such Transfer Statements. 

  
 4 

 AMENDMENT #2 TO THE SUBCUSTODIAL AND SERVICES
AGREEMENT 
 This AMENDMENT #2 TO THE SUBCUSTODIAL AND SERVICES AGREEMENT, (this “Amendment”), dated June 23, 2015, is entered into by
and between Fidelity Brokerage Services LLC (“FBS”) and National Financial Services LLC (“NFS”) (Collectively “Fidelity”) and AssetMark Trust Company (“ATC”) (formerly, GE Financial Trust Company)
(“Customer”). 
 WHEREAS, Fidelity and Customer entered into a Subcustodial and Services Agreement, dated as of November 1, 2005, and amended
effective February 22, 2007 (the “Agreement”), pursuant to which Customer engaged Fidelity to act as its sub-custodian in effecting transactions for its clients through Fidelity’s brokerage
platform and providing certain other related services. 
 WHEREAS, the parties desire to amend the Agreement as set forth below. 

NOW THEREFORE, in consideration of the foregoing and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the
parties hereto agree as follows: 
 1. Exhibit B of the Agreement, as amended by the February 22, 2007, Amendment, is hereby deleted in its entirety and
replaced with the new Exhibit B attached hereto. The pricing in Exhibit B includes payments from Fidelity to ATC that are a percentage of the income received by Fidelity related to fund holdings. Fidelity shall provide a monthly payment report to
ATC. 
 2. Section 2.2 of the Agreement is hereby deleted in its entirety and replaced with the following Section 2.2: 

“In the event no written notification is given as set forth above, this Agreement shall be deemed to have been renewed for additional successive one-year periods. At any time during such additional periods, this Agreement may be terminated by Fidelity giving 180 days prior written notification to Customer, or by Customer giving 90 days prior written notice
to Fidelity, and such termination shall be effective as of the end of such 180 or 90 day period, as applicable. Upon termination of this Agreement, both Customer and Fidelity agree to provide ongoing support and operational services pursuant to this
Agreement no less than 90 days from termination or until the completion of the conversion of the assets, whichever occurs earlier.” 
 3. Since the 2005
execution of the Agreement, ATC’s custodial business has expanded, and ATC accepts Client accounts referred to it, not only by its registered investment advisory affiliate AssetMark, Inc. (previously named GE Private Asset Management, Inc.),
but also from third party registered investment advisers. The expansion of ATC’s custodial Client base in no way affects Fidelity’s obligations under the Agreement but, for purposes of clarity, the Parties agree to amend Section 3 of
the Agreement as follows: 

 Paragraph 3.2.4 is amended to clarify that Advisory Firm, a third party registered investment adviser and/or
Client is responsible for making investment decisions and/or suitability determinations with respect to such Clients and ATC Accounts, and Fidelity will not be responsible for monitoring the investment decisions and/or suitability determinations
with respect to such Clients and ATC Accounts. 
 Paragraph 3.2.8 is amended to clarify that ATC, Advisory Firm, a third party registered investment adviser
and/or Client is responsible for monitoring the investment in Client Accounts held at Fidelity, and Fidelity will not be responsible for monitoring the investment made in any Client Accounts. 

Paragraph 3.3.1 is amended to clarify that with regard to each Client Account, the Client has authorized Advisory Firm to establish a custodial Account for
the Client’s benefit or has established a custodial Account on their own behalf or another person has been authorized to establish a custodial Account for the Client’s benefit. 

Paragraph 3.3.3 is deleted in its entirety as unnecessary. 
 4.
Except as expressly amended by this Amendment #2, the Agreement shall remain in full force and effect. References to the Agreement in other agreements, documents or instruments shall be in reference to the Agreement, as amended hereby. In the event
one or more provisions of this Amendment conflicts or is inconsistent with one or more provisions of the Agreement, the provisions of this Amendment shall control. Except as otherwise provided, the capitalized terms in this Amendment shall have the
same meaning as set forth in the Agreement. This Amendment may be executed in one or more counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same agreement. The facsimile signature of any
party to this Amendment shall constitute the valid and binding execution hereof by such party. 

 IN WITNESS WHEREOF, each party has caused this Amendment to be executed by its duly authorized
representative as of the date first set forth above. 
  

									
	AssetMark Trust Company	  		 	Fidelity Brokerage Services LLC
					
	By:	  	 /s/ Carrie E. Hansen
	  		 	By:	  	 /s/ Michael Danick

	Name:	  	Carrie E. Hansen	  		 	Name:	  	Michael Danick
	Title:	  	EVP, COO	  		 	Title:	  	Vice President
	Date:	  	06/23/2015	  		 	Date:	  	6/30/15
				
	National Financial Services LLC	  		 		  	
					
	By:	  	 /s/ Pui Shan Ng
	  		 		  	
	Name:	  	Pui Shan Ng	  		 		  	
	Title:	  	Vice President	  		 		  	
	Date:	  	6-30-2015	  		 		  	

 Exhibit B 

Fidelity Pricing 

CLIENT NAME: ASSETMARK TRUST COMPANY 
  

					
	 	  	FIDELITY
Terms	 
	 AssetMark Mutual Fund Pricing:
	  			
	 Annual Base Fee ($) (per account):
	  	 	[	***] 
	 Custody Fee (bps):
	  	 	[	***] 
	 Transaction Fee (on all TF trades):
	  	 	[	***] 
	 Transaction Fee Surcharge (NPFF Buy Side Transactions):
	  	 	[	***] 
	 Monthly Minimum ($):
	  	 	[	***] 
	 Deconversion/Close out Fee:
	  	 	[	***] 
	 Proprietary Fund Fee:
	  	 	[	***] 
	 Wire Fees:
	  	 	[	***] 
	 Payments to AssetMark:
	  			
	 Funds Excluding Proprietary Funds
	  			
	 Expense Reimbursement - NTF (No Transaction Fee)
	  	 	[	***] 
	 Expense Reimbursement - RFN (Identified EB Assets Only)
	  	 	[	***] 
	 Expense Reimbursement - Asset Based Service Payment
	  	 	[	***] 
	 Expense Reimbursement - Asset Based Administrative Fee
	  	 	[	***] 
	 Proprietary Funds Only
	  			
	 Expense Reimbursement - NTF (No Transaction Fee)
	  	 	[	***] 
	 Expense Reimbursement - RFN (Identified EB Assets Only)
	  	 	[	***] 
	 Expense Reimbursement - Asset Based Service Payment
	  	 	[	***] 
	 Expense Reimbursement - Asset Based Administrative Fee
	  	 	[	***] 
	 AssetMark IS Custody Pricing: 
	  			
	 Electronic Equities
	  	 	[	***] 
	 Manual Equities
	  	 	[	***] 
	 International (USD Settlement) 2
	  	 	[	***] 
	 International (Local Currency Settlement)
3
	  	 	[	***] 
	 Fixed Income 4
	  	 	[	***] 
	 Tradeaway Fee
	  	 	[	***] 
	 International Tradeaway Fee
	  	 	[	***] 
	 Electronic Options
	  	 	[	***] 
	 Manual Options
	  	 	[	***] 

 Detail Notes: 
  

	A.	 Custody Fee excludes Fidelity fund assets for TrustCustody Customers only. 

 

	B.	 The funds reserve the right to change or suspend payments or impose certain restrictions at anytime. In
accordance therewith, Fidelity may revise or suspend payment at any time. 

  

	C.	 Expense Reimbursement Program Payments - The Parties agree that all expense reimbursement payments on Funds
Excluding Proprietary Funds will be reduced to [***] on February 1st, 2017. 

  

	D.	 Expense Reimbursement Program Payments - NTF, RFN, and Asset Based Administrative Fees - Statements are
published in WealthCentral 1 month following billing period. Payments are made 1 month + 7 days following billing period. If 1 month + 7 days falls on a weekend, payments are made the following business day. 

 

	E.	 Expense Reimbursement Program Payments - Asset Based Service Payments - Statements and payments are processed
the 15th day of the month following billing period, with the exception of certain NTF funds which are processed the 20th day of the month. If the 15th or 20th fall on a weekend, payments are made the following business day. 

 

	 	i.	 Expense Reimbursement Service Payment - NTF - Payments from Fidelity to reimburse TPA and/or bank trust
organizations for administrative expenses associated with providing services to a retirement plan or trust account. Payments are paid based on an “expected basis” based on the fees negotiated by Fidelity. 

 

	 	ii.	 Expense Reimbursement Service Payment - RFN - Additional payments from Fidelity for participant recordkeeping
and related costs associated with the servicing of employee benefit plans. Please note that the RFN component is only paid with respect to eligible employee benefit assets when TPA and/or bank trust organizations associated with such assets have
signed an attestation stating that their accounts are eligible employee benefit assets and are in the appropriate RFN branch prefixes. Some funds may have special requirements in support of the TPA Retirement Network program (e.g., NAV
requirements). Please contact the individual fund company directly for more details. Payments are paid based on an “expected basis” based on the fees negotiated by Fidelity. 

 

	 	iii.	 Expense Reimbursement - Asset Based Service Payments - Payments shall be paid from Fidelity to ATC to pay or
reimburse ATC for expenses associated with services performed for their clients. This amount may coincide with the fee that would otherwise be payable if it were being made pursuant to a Rule 12b-1 arrangement
as indicated in the fund’s prospectus. The amounts paid are based on the fees actually received by Fidelity from the Fund company or a service provider to the fund, such as the fund adviser or principal underwriter, and may differ from those
stated in either the applicable fund prospectus or herein, with the exception of certain NTF funds which are paid based on an “expected basis” based on the fees negotiated by Fidelity. 

 

	 	iv.	 Expense Reimbursement - Asset Based Administrative Fees - Asset Based Administrative Fees are paid by certain
fund companies on non-NTF positions in lieu of a per position fee. Payments are paid based on an “expected basis” based on the fees negotiated by Fidelity. 

 

	F.	 Proprietary Funds include funds advised by AssetMark, Inc., and include funds in the GPS Funds I and GPS Funds
II series trusts and are generally named GuideMark and GuidePath. Proprietary Funds also include the Genworth Financial Contra Fund (cusip number: 15642U303), soon to be known as the Savos Dynamic Hedging Fund advised by Altegris Advisors, L.L.C.

  

	G.	 Each party has the right to reevaluate pricing every year. 

 

	H.	 Please contact your Fidelity relationship manager to discuss pricing related to transactions in
securities/trading types other than those listed herein. In the event that you place an order prior to executing an amendment specific to the pricing of such securities/trading types, you agree to pay the Fidelity standard pricing then in effect for
such securities/trading types, as may be amended by Fidelity from time to time. A Fidelity Transaction Pricing Schedule is available upon request. 

	I.	 Soon after the effectiveness of this Amendment #2, ATC shall transfer to Fidelity for services under the
Agreement substantially all the mutual fund assets held in ATC custodial Accounts, currently approximately [***]. The Parties acknowledge that the actual amount converted may be greater than or less than [***] due to market activity or client
issues. Immediately after such mutual fund assets have been transferred to Fidelity, Fidelity shall lower the Electronic Equities pricing to [***] per share, from [***] 

 

	J.	 Beginning on the date of the completion of the transfer to Fidelity of substantially all the mutual fund assets
held in ATC custodial Accounts after the effectiveness of this Amendment #2, the expense reimbursement payments from Fidelity to ATC shall be based on the rates Fidelity provided to ATC by email on May 1, 2015, with the exception of the
following funds: CNR Intermediate Fixed Inc N, CNR Emerging Markets N, and CNR Fixed Inc Opportunities N fund. ATC acknowledges that fund families may renegotiate rates paid to Fidelity, but Fidelity shall use commercially reasonable efforts to
negotiate reasonable expense reimbursement payments. 

  

	K.	 Fidelity shall build and launch for use by ATC an enhanced daily accrual dividend file capability. The enhanced
capabilities will include a daily file with cusip, pay date, month-to-date accrual amount, share quantity, and other related data elements required to calculate and
reconcile daily accrual balances. 

  

	L.	 Fidelity shall launch for use by ATC an enhancement to the daily income feature to expand the rate field to 5
decimals. 

  

	1 	 Maximum ticket charge shall apply as a ceiling for the Cents per share charge of [***]/share in the case of
trades submitted electronically and of [***]/share in the case of Rep. assisted trades placed via telephone, however; trades executed via Fidelity Capital Markets Services Institutional Program Trading capabilities (which may include Domestic
Institutional Block Trading, Standard Algorithmic Trading, Proprietary Algorithmic Trading, and Staged CrossStream Trading) will include a surcharge of $.005 per Share. 

	2 	 Except for Canada, where price is [***] per share if share price is greater than [ ***], [ ***] per share if
share price is less than [***]. Fx component of trade is [***] for Canada and [***] for all other countries 

	3 	 Pricing varies by country consisting of a flat per trade fee and a basis point fee on principal. Schedule
available via your relationship manager. 

	4 	 Certain fixed income transactions are subject to additional fees including [***] for Commercial Paper, [***]
for government T-bills auction orders placed through the trading desk. For agency business, Muni-Resets and Auction Rate Preferred securities are charged a [***] transaction fee and Exchange Traded fixed
income securities are [***] per bond with a [***] minimum. UIT’s are charged [***] per trade. 

  

							
	 /s/ Carrie E. Hansen
	 		 		 	 6/23/2015

	ASSETMARK TRUST COMPANY	 		 		 	Date

			
		 	

  

			
	

	  	Fidelity Institutional
	 FI CMS SCANNING FORM
	  	
		
	 Box Number
	  	264640418
		
	 Firm Name
	  	ASSETMARK TRUST COMPANY
		
	 Firm Number
	  	18582
		
	 Contract/Amendment Type
	  	AMENDMENT
		
	 Contract ID
	  	
		
	 Contract/Amendment Effective Date
	  	7/23/2015
		
	 Business Unit
	  	IWS
		
	 Amendment ID
	  	118326
		
	 Notes Field
	  	

  

			
	 	  	
	 	  	
	 	  	
	 	  	
	 	  	

  
 

 

 EXECUTION COPY 

AUG 21 2015 
 AMENDMENT TO THE
SUBCUSTODIAL AND SERVICE AGREEMENT 
 This trade away amendment (this “Amendment”) to the Subcustodial and Service Agreement
made and entered into November, 2005, by and among Fidelity Brokerage Services LLC (“FBS”), National Financial Services LLC (“NFS”) (together, “Fidelity”), and AssetMark Trust Company (“Customer”), shall be
effective as of the date, or the last of the dates, if different, on which this Amendment is executed by FBS, NFS and Customer (the “Effective Date”). 

WHEREAS, the parties wish to amend the Subcustodial and Service Agreement, as set forth below: 

NOW, THEREFORE, in consideration of the mutual covenants contained herein and other good and valuable consideration, Fidelity and Customer
agree as follows: 
  

	 	1.	 The attached “Trade Away Addendum” (the “Addendum”) is hereby added to the Subcustodial and
Service Agreement. 

  

	 	2.	 Except as specifically amended hereby, the terms, provisions, conditions, covenants and agreements set forth in
the Subcustodial and Service Agreement are hereby confirmed and shall remain in full force and effect. 

  

	 	3.	 If any provision of the attached Addendum conflicts or is inconsistent with any provision of the Subcustodial
and Service Agreement, the provisions of this Addendum will control for securities transactions executed by Executing Brokers on behalf of IMA Manager’s Clients. 

IN WITNESS WHEREOF, the Parties hereto have caused this Amendment to be executed as of the Effective Date. 

 

									
	Fidelity Brokerage Services LLC	  	    	  	National Financial Services LLC
			
	BY: /s/ Michael Danick
                                         
               	  		  	BY: /s/ Pui Shan
Ng                                         
                        
	PRINT NAME:	  	Michael Danick	  		  	PRINT NAME:	  	Pui Shan Ng
	PRINT TITLE: 	  	Vice President	  		  	PRINT TITLE:	  	Vice President
	DATE SIGNED:	  	7/23/15	  		  	DATE SIGNED:	  	7-23-2015

  

			
	Customer	 	
	
	NAME: AssetMark Trust Company
	
	BY: /s/ Gaurav Auditya
                                        

	PRINT NAME:	 	Gaurav Auditya
	PRINT TITLE:	 	Vice President of Custody Operations, Trade Operations and Reporting
	DATE SIGNED:	 	July 13, 2015

 TRADE AWAY ADDENDUM 

WHEREAS, Customer’s Clients include those with Individually managed Accounts (“IMA”) managed by managers with discretionary
authority (“IMA Managers”), and Customer desires that Fidelity accept from IMA Managers instructions relating to the settlement of trade away securities transaction (“Trade Away Transactions”) executed by Executing Brokers on
behalf of a Client. 
 WHEREAS, the terms of this Trade-Away Addendum (“Addendum”) will apply to any instruction or representation
an IMA Manager gives to Fidelity for securities transactions that IMA Manager places directly with any broker-dealers, including both foreign and domestic broker-dealers that are not affiliated with Fidelity (“Executing Brokers”). 

NOW, THEREFORE, in consideration of the mutual covenants contained herein and other good and valuable consideration, Fidelity and Customer
agree as follows: 
 (1) As between IMA Manager and Fidelity, IMA Manager is solely responsible for the selection, monitoring and supervision of Executing
Brokers, including assessing their execution capabilities and financial strength. IMA Manager will perform such due diligence as it believes is necessary in connection with its selection of Executing Brokers. Fidelity will have no obligation to
select, monitor or supervise Executing Brokers. 
 (2) Fidelity’s role in any Trade Away Transaction IMA Manager arranges is limited to acting as
custodian and settlement agent in settling transactions for Customer and IMA Manager’s Clients. Customer and IMA Manager will not identify Fidelity as executing broker or counterparty in any securities transaction IMA Manager arranges with an
Executing Broker, and any such designation will not be binding on Fidelity. 
 (3) Customer agrees that IMA Manager must comply with the Trade-Away
Operational Procedures, as amended from time to time with notice to Customer and IMA Manager (“Procedures”). Fidelity will act solely as settlement agent and custodian in Trade Away Transactions, and will have no other responsibility
whatsoever with regard to the execution or clearance of any such transactions. Fidelity’s duties in this regard will be further conditioned upon Fidelity (directly or through its agents) having custody of or receiving the subject securities or
other property (including cash) in good deliverable form before settlement. Fidelity is not obligated, nor will it undertake to settle any Trade Away Transaction in any account without sufficient cash or securities in the account to settle the
transaction on settlement date. 
 (4) Fidelity in its sole discretion may limit or restrict IMA Manager’s ability to deal with particular Executing
Brokers, or may place limits on the number or volume of Trade Away Transactions IMA Manager may affect on behalf its Clients. Fidelity may also require Customer and IMA Manager’s Clients to maintain minimum net equity in the Accounts. Fidelity
will provide written notice of any such requirements, limitations and restrictions (“Rules”) and Customer and IMA Manager must comply with such Rules. 

  
 2 

 (5) Fidelity may terminate this Addendum and no longer accept for settlement and custody of trade away
transactions and securities in the event IMA Manager or Customer fails to comply with the terms of this Addendum. 
 (6) Fidelity may charge Clients trade
away fees as set forth in the Custody Agreement Fee Exhibit as it may be revised from time to time. Customer agrees to notify its Clients of such fees associated with trade away securities transactions to the extent that they are charged Client
Accounts. 
 (7) To facilitate settlement on behalf of Customer’s Clients, Fidelity may book Trade Away Transactions through its systems in a manner
that makes them appear as though they are “buys” and “sells,” and may reflect this activity as a “trade” on standardized communications. Customer understands that, notwithstanding the presentation of this information on
communications that Customer and IMA Manager receive from Fidelity, Fidelity is acting solely as settlement agent in connection with Trade Away Transactions. 

In consideration of Fidelity’s acceptance of instructions relating to Trade Away Transactions executed through Executing Brokers, Customer agrees to
indemnify and hold harmless Fidelity and their officers, directors, employees, agents, control persons and affiliates from and against all claims, losses, damages, liabilities and expenses (including reasonable attorneys fees arising out of or
relating to: (1) Customer’s or IMA Manager’s failure to comply with the terms or conditions of this Addendum; (2) the execution and clearance of any Trade Away Transaction, including the acts or omissions of any Executing Broker
or other party not controlled by Fidelity; (3) Fidelity’s following Customer’s or IMA Manager’s instructions pertaining to the settlement of Trade Away Transactions; or (4) a Trade Away Transaction that fails to settle as a
result of Customer’s or IMA Manager’s act or omission or due to insufficient cash or securities in an account to settle the Trade Away Transaction on settlement date. This indemnification obligation is in addition to that set forth in the
Custody Agreement. 
 Customer acknowledges that Fidelity reserves the right to confirm any instruction with IMA Manager or the Client prior to acting upon
the instruction. 

  
 3 

 AMENDMENT #5 TO THE SUBCUSTODIAL AND SERVICES AGREEMENT 

This Amendment #5, effective June 1, 2018, amends the Subcustodial and Services Agreement between “AssetMark Trust Company (“ATC”)
(formerly, GE Financial Trust Company) (“Customer”) and Fidelity Brokerage Services LLC (“FBS”) and National Financial Services LLC (“NFS”) (collectively, “Fidelity”) effective November 1, 2005, and any
amendments thereto (“the Agreement”). 
 This Amendment hereby modifies the Agreement by deleting Exhibit B in its entirety and replacing it with
a new Exhibit B attached hereto. The pricing in Exhibit B includes payments from Fidelity to ATC that are a percentage of the income received by Fidelity related to fund holdings. Fidelity shall provide a monthly payment report to ATC. 

Exhibit B 

Fidelity Pricing 
 CLIENT
NAME: ASSETMARK TRUST COMPANY 
  

			
	 	  	 FIDELITY

Terms

	 AssetMark Mutual Fund Pricing:
	  	
	 Annual Base Fee ($) (per account):
	  	[***]
	 Custody Fee (bps):
	  	[***]
	 Transaction Fee (on all TF trades):
	  	[***]
	 Transaction Fee Surcharge (NPFF Buy Side Transactions):
	  	[***]
	 Monthly Minimum ($):
	  	[***]
	 Deconversion/Close out Fee:
	  	[***]
	 Proprietary Fund Fee:
	  	[***]
	 Wire Fees:
	  	[***]
	 Payments to AssetMark:
	  	
	 Funds Excluding Proprietary Funds
	  	
	 Expense Reimbursement - NTF (No Transaction Fee)
	  	[***]
	 Expense Reimbursement - RFN (Identified EB Assets Only)
	  	[***]
	 Expense Reimbursement - Asset Based Service Payment
	  	[***]
	 Expense Reimbursement - Asset Based Administrative Fee
	  	[***]
	 Proprietary Funds Only
	  	
	 Expense Reimbursement - NTF (No Transaction Fee)
	  	[***]
	 Expense Reimbursement - RFN (Identified EB Assets Only)
	  	[***]
	 Expense Reimbursement - Asset Based Service Payment
	  	[***]
	 Expense Reimbursement - Asset Based Administrative Fee
	  	[***]
	 AssetMark IS Custody Pricing:
	  	
	 Electronic Equities
	  	[***] per Share / [***] per Trade Min / [***] per Trade Max1
	 Manual Equities
	  	[***] per Share / $[***] per Trade Min / [***] per Trade Max1
	 International Equities (USD
Settlement)2
	  	[***] [***] on Principal
	 International Equities (Local Currency Settlement)
	  	Varies based on Foreign Pricing Schedule
	 Fixed Income (Domestic and International)
	  	[***]
	 Domestic Tradeaway Fee
	  	[***]
	 International Tradeaway Fee
	  	[***]
	 Electronic Options
	  	[***]
	 Manual Options
	  	[***]

 See Detail Notes below for additional information 

 Detail Notes: 
  

	 	A.	 Custody Fee excludes Fidelity fund assets for TrustCustody Customers only. 

 

	 	B.	 The funds reserve the right to change or suspend payments or impose certain restrictions at anytime. In
accordance therewith, Fidelity may revise or suspend payment at any time. 

  

	 	C.	 Expense Reimbursement Program Payments – NTF, RFN, and Asset Based Administrative Fees – Statements
are published in WealthCentral 1 month following billing period. Payments are made 1 month + 7 days following following billing period. If 1 month + 7 days falls on a weekend, payments are made the following business day. 

 

	 	D.	 Expense Reimbursement Program Payments – Asset Based Service Payments – Statements and payments are
processed the 15th day of the month following billing period, with the exception of certain NTF funds which are processed the 20th day of the
month. If the 15th or 20th fall on a weekend, payments are made the following business day. 

 

	 	i.	 Expense Reimbursement Program Payment – NTF - Payments from Fidelity to reimburse TPA an/or bank trust
organizations for administrative expenses associated with providing services to a retirement plan or trust account. Payments are based on an “expected basis” based on the fees negotiated by Fidelity. 

 

	 	ii.	 Expense Reimbursement Service Payment – RFN – Additional payments from Fidelity for participant
recordkeeping and related costs associated with the servicing of employee benefit plans. Please note that the RFN component is only paid with respect to eligible employee benefit assets when TPA and/or bank trust organizations associated with such
assets have signed an attestation stating that their accounts are eligible employee benefit assets and are in the appropriate RFN branch prefixes. Some funds may have special requirements in support of the TPA Retirement Network Program (e.g., NAV
requirements). Please contact the individual fund company directly for more details. Payments are paid based on an “expected basis” based on the fees negotiated by Fidelity. 

 

	 	iii.	 Expense Reimbursement – Asset Based Service Payments – Payments shall be paid from Fidelity to ATC to
pay or reimburse ATC for expenses associated with services performed for clients. This amount may coincide with the fee that would otherwise be payable if it were being made pursuant to a Rule 12b-1
arrangement as indicated in the fund’s prospectus. The amounts paid are based on the fees actually received by Fidelity from the Fund company or a service provider to the fund, such as the fund advisor or principal underwriter, and may diffor
from those stated in either the applicable fund prospectus or herein, with the exception of certain NTF funds which are paid based on an “expected basis” based on the fees negotiated by Fidelity. 

 
   

 

	1 	 Maximum ticket charge shall apply as a ceiling for the Cents per share charge of [***]/share in the case of
trades submitted electronically and of [***]/share in the case of Rep. assisted trades placed via telephone, however; trades executed via Fidelity Capital Markets Services Institutional Program Trading capabilities (which may include Domestic
Institutional Block Trading, Standard Algorithmic Trading, Proprietary Algorithmic Trading, and Staged CrossStream Trading) will include a surcharge of [***] per share. 

	2	 Except for Canada, where price is [***] per share if share price is greater than [***], [***] per share if
share price is less than [***]. Fx component of trade is [***] for Canada and [***] for all other countries. 

	3 	 Pricing varies by country consisting of a flat per trade fee and a basis point fee on principal. Schedule
available via your relationship manager. 

	4 	 Certain fixed income transactions are subject to additional fees including [***] for Commercial Paper, [***]
for government T-bills auction orders placed through the trading desk. For agency business, Muni-Resets and Auction Rate Preferred securities are charged a [***] transaction fee and Exchange Traded fixed
income securities are [***] per bond with a [***] minimum. UIT’s are charged [***] per trade. 

  
 Amendment to Subcucstodial
and Services Agreement 
 Page 2 of 3 

	 	iv.	 Expense Reimbursement – Asset Based Administrative Fees – Asset Based Administrative Fees are paid by
certain fund companies on non-NTF positions in lieu of a per position fee. Payments are made on an “expected basis” based on the fees negotiated by Fidelity. 

 

	 	E.	 Proprietary Funds include funds advised by AssetMark, Inc., and include funds in the GPS Funds I and GPS Funds
II series trusts and are generally named GuideMark and GuidePath. Proprietary Funds also include the Genworth Financial Contra Fund (cusip number: 15642U303), soon to be known as the Savos Dynamic Hedging Fund advised by Altegris Advisors, L.L.C.

  

	 	F.	 Each party has the right to reevaluate pricing every year. 

 

	 	G.	 Fidelity may collect Per Position on Transaction Fee funds, but shall not pay such fees to the customer.

  

	 	H.	 Please contact your Fidelity relationship manager to discuss pricing related to transactions in
securities/trading types other than those listed herein. In the event that you place an order prior to executing an amendment specific to the pricing of such securities/trading types, you agree to pay the Fidelity standard pricing then in effect for
such securities/trading types, as may be amended by Fidelity from time to time. A Fidelity Transaction Pricing Schedule is available upon request. 

  

	 	I.	 The expense reimbursement payments from Fidelity to ATC shall be based on the rates Fidelity provided to ATC by
email on May 1, 2015, with the exception of the following funds: CNR Intermediate Fixed Inc. N, CNR Emerging Markets N, and CNR Fixed Inc Opportunities N fund. ATC acknowledges that fund families may negotiate rates paid to Fidelity, but
Fidelity shall use commercially reasonable efforts to negotiate expense reimbursement payments. 

  

	 	J.	 Fidelity shall build and launch for use by ATC an enhanced daily accrual dividend file capability. The enhanced
capabilities will include a daily file with cusip, pay date, month-to-date accrual amount, share quality, and other related daya elements required to calculate and
reconcile daily accrual balances. 

  

	 	K.	 Fidelity shall launch for use by ATC on enhancement to the daily income feature to expand the rate field to 5
decimals. 

 Except as expressly amended by this Amendment, the Agreement shall remain in full force and effect. References to the
Agreement in other agreements, documents or instruments shall be in reference to the Agreement, as amended hereby. In the event one or more provisions of this Amendment conflicts or is inconsistent with one or more provisions of the Agreement, the
provisions of this Amendment shall control. Except as otherwise provided, the capitalized terms in this Amendment shall have the same meaning as set forth in the Agreement. This Amendment may be executed in one or more counterparts, each of which
shall be deemed an original, but all of which together shall constitute one and the same agreement. The facsimile signature of any party to this Amendment shall constitute the valid and binding execution hereof by such party. 

 

									
	National Financial Services LLC	 		 	AssetMark Trust Company
					
	By:	 	 /s/ Lisa O Smith
	 		 	By:	 	 /s/ Carrie Hansen

	Name:	 	Lisa O Smith	 		 	Name:	 	Carrie Hansen
	Title:	 	Vice President - Fidelity Clearing & Custody Solutions	 		 	Title:	 	EVP, COO
	Date:	 	6/19/2018	 		 	Date:	 	6/19/2018
				
	Fidelity Brokerage Services LLC	 		 		 	
					
	By:	 	 /s/ Mike Danick
	 		 		 	
	Name:	 	Mike Danick	 		 		 	
	Title:	 	Vice President	 		 		 	
	Date:	 	6/19/2018	 		 		 	

  

  
 Amendment to Subcucstodial
and Services Agreement 
 Page 3 of 3 

 

 

					
	
	Certificate Of Completion
		
	Envelope Id: D677345D71A9488AA7AC4460A50014C7	 	Status: Completed
	Subject: Please DocuSign: Assetmark Pricing Amendment 06-18-18.pdf	 	
	PramataWorkflow:	  		 	
	Source Envelope:	  		 	
	Document Pages: 3	  	Signatures: 3	 	Envelope Originator:
	Certificate Pages: 2	  	Initials: 1	 	FIContractExecution
	AutoNav: Enabled	  		 	245 Summer Street
	EnvelopeId Stamping: Enabled	  		 	Boston, MA 02210
	Time Zone: (UTC-05:00) Eastern Time (US & Canada)	 	a390245@fmr.com
		  		 	IP Address: 192.223.236.250
	
	Record Tracking
			
	Status: Original	  	Holder: FIContractExecution	 	Location: DocuSign
	 6/19/2018
	  	 a390245@fmr.com
	 	
			
	Signer Events	  	Signature	 	Timestamp
			
	Carrie Hansen	  		 	Sent: 6/19/2018
	Carrie.Hansen@AssetMark.com	  		 	Viewed: 6/19/2018
	EVP, COO	  		 	Signed: 6/19/2018
	Security Level: Email, Account Authentication (None)	  	Using IP Address: 40.140.177.158	 	
			
	Electronic Record and Signature Disclosure:	  		 	
	 Not Offered via DocuSign
	  		 	
			
	Mussaab Hussain	  		 	Sent: 6/19/2018
	Mussaab.Hussain@fmr.com	 	Viewed: 6/19/2018
	Fidelity Family Office Services	  		 	Signed: 6/19/2018
	Security Level: Email, Account Authentication (None)	  	Using IP Address: 192.223.242.21	 	
			
	Electronic Record and Signature Disclosure:	  		 	
	 Not Offered via DocuSign
	  		 	
			
	 Mike Danick
 Mike.Danick@fmr.com
	  		 	 Sent: 6/19/2018
 Viewed: 6/19/2018

	Vice President	  		 	Signed: 6/19/2018
	Security Level: Email, Account Authentication (None)	  	Using IP Address: 192.223.236.250	 	
			
	Electronic Record and Signature Disclosure:	  		 	
	 Not Offered via DocuSign
	  		 	
			
	 Lisa O Smith
 Lisa.Q.Smith@fmr.com
	  		 	 Sent: 6/19/2018
 Viewed: 6/19/2018

	Vice President- Fidelity Clearing & Custody Solutions	  		 	Signed: 6/19/2018
	Security Level: Email, Account Authentication	  	Using IP Address: 192.223.236.250	 	
	(None)	  		 	
			
	Electronic Record and Signature Disclosure:	  		 	
	 Not Offered via DocuSign
	  		 	
			
	In Person Signer Events	  	Signature	 	Timestamp
			
	Editor Delivery Events	  	Status	 	Timestamp
			
	Agent Delivery Events	  	Status	 	Timestamp

					
			
	Intermediary Delivery Events	  	Status	 	Timestamp
			
	Certified Delivery Events	  	Status	 	Timestamp
			
	Carbon Copy Events	  	Status	 	Timestamp
			
	Catherine Davies	  	COPIED	 	Sent: 6/19/2018
	Catherine.Davies@fmr.com	  		 	
	Security Level: Email, Account Authentication (None)	  		 	
			
	Electronic Record and Signature Disclosure:	  		 	
	 Not Offered via DocuSign
	  		 	
			
	Notary Events	  	Signature	 	Timestamp
			
	Envelope Summary Events	  	Status	 	Timestamps
			
	Envelope Sent	  	Hashed/Encrypted	 	6/19/2018
	Certified Delivered	  	Security Checked	 	6/19/2018
	Signing Complete	  	Security Checked	 	6/19/2018
	Completed	  	Security Checked	 	6/19/2018
			
	Payment Events	  	Status	 	Timestamps

 AMENDMENT #6 TO THE SUBCUSTODIAL AND SERVICE AGREEMENT 

This AMENDMENT #6 TO THE SUBCUSTODIAL AND SERVICE AGREEMENT, (this “Amendment”), effective November 1, 2018, is entered into by and between
Fidelity Brokerage Services LLC (“FBS”) and National Financial Services LLC (“NFS”) (Collectively “Fidelity”) and “AssetMark Trust Company (formerly, GE Financial Trust Company) (“Customer”). 

WHEREAS, Fidelity and Customer entered into a Subcustodial and Service Agreement, dated as of November 1, 2005 (as amended, the “Agreement”),
pursuant to which Customer engaged Fidelity to act as its sub-custodian in effecting transactions for its clients through Fidelity’s brokerage platform and providing certain other related services. 

WHEREAS, the parties desire to amend the Agreement as set forth below. 

NOW THEREFORE, in consideration of the foregoing and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the
parties hereto agree as follows: 
 1. Exhibit B of the Agreement is hereby deleted in its entirety and replaced with the new Exhibit B attached hereto. 

2. This Amendment shall remain in full force and effect for a one (1) year period beginning on the effective date of the Amendment. Either party may
terminate this Agreement at the end of such one year period by giving 90 days prior written notification of termination. In such event, this Agreement shall terminate at the end of such one year period. All provisions related to term and termination
as stated in the Agreement shall otherwise remain intact. 
 3. Except as expressly amended by this Amendment, the Agreement shall remain in full force and
effect. References to the Agreement in other agreements, documents or instruments shall be in reference to the Agreement, as amended hereby. In the event one or more provisions of this Amendment conflicts or is inconsistent with one or more
provisions of the Agreement, the provisions of this Amendment shall control. Except as otherwise provided, the capitalized terms in this Amendment shall have the same meaning as set forth in the Agreement. This Amendment may be executed in one or
more counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same agreement. The facsimile signature of any party to this Amendment shall constitute the valid and binding execution hereof by
such party. 

 IN WITNESS WHEREOF, each party has caused this Amendment to be executed by its duly authorized
representative. 
  

									
	AssetMark Trust Company	 		 	Fidelity Brokerage Services LLC
					
	By:	 	 /s/ Carrie Hansen
	 		 	 By:
	 	 /s/ Jennifer Moran

	Name:	 	 Carrie Hansen
	 	 

        
	 	 Name:
	 	Jennifer Moran
	Title:	 	EVP, COO	 		 	Title:	 	Vice President

  

			
	National Financial Services LLC
		
	By:	 	 /s/ Lisa O Smith

	Name:	 	Lisa O Smith
	Title:	 	Vice President - FCCS

 Exhibit B 

Fidelity Pricing 
  

			
	CLIENT NAME: ASSETMARK TRUST COMPANY
	 	  	FIDELITY
Terms
	 AssetMark Payments to Fidelity:
	  	
	 AssetMark Mutual Fund Pricing:
	  	
	 Annual Base Fee ($) (per account):
	  	[***]
	 Subcustodial and Service Fee (bps):
	  	[***]
	 Transaction Fee (on all TF trades):
	  	[***]
	 Transaction Fee Surcharge (NPFF Buy Side Transactions):
	  	[***]
	 Monthly Minimum ($):
	  	[***]
	 Deconversion/Close out Fee:
	  	[***]
	 Proprietary Fund Fee:
	  	[***]
	 Wire Fees:
	  	[***]
		
	 *   Subcustodial and Service Fee – Mutual Fund & Individual
Securities – Tiered (bps):
	  	
		
	 First $10B
	  	[***]
	 Next $10B
	  	[***]
	 Next $10B
	  	[***]
	 Next $10B
	  	[***]
	 Next $10B
	  	[***]
	 Over $50B
	  	[***]
	 Fidelity Payments to AssetMark:
	  	
	 Funds Excluding Proprietary Funds
	  	
	 Expense Reimbursement – NTF (No Transaction Fee)
	  	[***]
	 Expense Reimbursement – RFN (Identified EB Assets Only)
	  	[***]
	 Expense Reimbursement – Asset Based Service Payment
	  	[***]
	 Expense Reimbursement – Asset Based Administrative Fee
	  	[***]
	 Proprietary Funds Only
	  	
	 Expense Reimbursement – NTF (No Transaction Fee)
	  	[***]
	 Expense Reimbursement – RFN (Identified EB Assets Only)
	  	[***]
	 Expense Reimbursement – Asset Based Service Payment
	  	[***]
	 Expense Reimbursement – Asset Based Administrative Fee
	  	[***]
	 AssetMark IS Custody Pricing:
	  	
	 Custody Fee (per IS position per year)
	  	[***]
	 Electronic Equities
	  	[***]
	 Manual Equities
	  	[***]
	 International Equities (USD
Settlement)1
	  	[***]
	 International Equities (Local Currency
Settlement)2
	  	[***]
	 Fixed Income (Domestic and
International)3
	  	[***]
	 Domestic Tradeaway Fee – Until and Including November 30, 2018
	  	[***]
	 Domestic Tradeaway Fee – After November 30, 2018
	  	[***]
	 International Tradeaway Fee
	  	[***]
	 Electronic Options
	  	[***]
	 Manual Options
	  	[***]

 See Detail Notes below for additional information 

 Detail Notes: 
  

	 	A.	 Custody Fee excludes Fidelity fund assets for TrustCustody Customers only. 

 

	 	B.	 The funds reserve the right to change or suspend payments or impose certain restrictions at anytime. In
accordance therewith, Fidelity may revise or suspend payment at any time. 

  

	 	C.	 Expense Reimbursement Program Payments – NTF, RFN, and Asset Based Administrative Fees – Statements
are published in WealthCentral 1 month following billing period. Payments are made 1 month + 7 days following following billing period. If 1 month + 7 days falls on a weekend, payments are made the following business day. 

 

	 	D.	 Expense Reimbursement Program Payments – Asset Based Service Payments – Statements and payments are
processed the 15th day of the month following billing period, with the exception of certain NTF funds which are processed the 20th day of the
month. If the 15th or 20th fall on a weekend, payments are made the following business day. 

 

	 	i.	 Expense Reimbursement Program Payment – NTF- Payments from
Fidelity to reimburse TPA an/or bank trust organizations for administrative expenses associated with providing services to a retirement plan or trust account. Payments are based on an “expected basis” based on the fees negotiated by
Fidelity. 

  

	 	ii.	 Expense Reimbursement Service Payment – RFN – Additional payments from Fidelity for participant
recordkeeping and related costs associated with the servicing of employee benefit plans. Please note that the RFN component is only paid with respect to eligible employee benefit assets when TPA and/or bank trust organizations associated with such
assets have signed an attestation stating that their accounts are eligible employee benefit assets and are in the appropriate RFN branch prefixes. Some funds may have special requirements in support of the TPA Retirement Network Program (e.g., NAV
requirements). Please contact the individual fund company directly for more details. Payments are paid based on an “expected basis” based on the fees negotiated by Fidelity. 

 

	 	iii.	 Expense Reimbursement – Asset Based Service Payments – Payments shall be paid from Fidelity to ATC to
pay or reimburse ATC for expenses associated with services performed for clients. This amount may coincide with the fee that would otherwise be payable if it were being made pursuant to a Rule 12b-1
arrangement as indicated in the fund’s prospectus. The amounts paid are based on the fees actually received by Fidelity from the Fund company or a service provider to the fund, such as the fund advisor or principal underwriter, and may differ
from those stated in either the applicable fund prospectus or herein, with the exception of certain NTF funds which are paid based on an “expected basis” based on the fees negotiated by Fidelity. 

 

	 	iv.	 Expense Reimbursement – Asset Based Administrative Fees – Asset Based Administrative Fees are paid by
certain fund companies on non-NTF positions in lieu of a per position fee. Payments are made on an “expected basis” based on the fees negotiated by Fidelity. 

 

	 	E.	 Proprietary Funds include funds advised by AssetMark, Inc., and include funds in the GPS Funds I and GPS Funds
II series trusts and are generally named GuideMark and GuidePath. Proprietary Funds also include cusip number 15642U303, the Savos Dynamic Hedging Fund advised by AssetMark, Inc. 

 

	 	F.	 Each party has the right to reevaluate pricing every year. 

 
  

	1	 Except for Canada, where price is [***] per share if share price is greater than [***], [***] per share if
share price is less than [***]. Fx component of trade is [***] for Canada and [***] for all other countries. 

	2 	 Pricing varies by country consisting of a flat per trade fee and a basis point fee on principal. Schedule
available via your relationship manager. 

	3 	 Certain fixed income transactions are subject to additional fees including [***] for Commercial Paper, [***]
for government T-bills auction orders placed through the trading desk. For agency business, Muni-Resets and Auction Rate Preferred securities are charged a [***] transaction fee and Exchange Traded fixed
income securities are [***] per bond with a [***] minimum. UIT’s are charged [***] per trade. 

	 	G.	 Fidelity may collect Per Position on Transaction Fee funds, but shall not pay such fees to the customer.

  

	 	H.	 Please contact your Fidelity relationship manager to discuss pricing related to transactions in
securities/trading types other than those listed herein. In the event that you place an order prior to executing an amendment specific to the pricing of such securities/trading types, you agree to pay the Fidelity standard pricing then in effect for
such securities/trading types, as may be amended by Fidelity from time to time. A Fidelity Transaction Pricing Schedule is available upon request. 

  

	 	I.	 The expense reimbursement payments from Fidelity to ATC shall be based on the rates Fidelity provided to ATC by
email on May 1, 2015, with the exception of the following funds: CNR Intermediate Fixed Inc. N, CNR Emerging Markets N, and CNR Fixed Inc Opportunities N fund. ATC acknowledges that fund families may negotiate rates paid to Fidelity, but
Fidelity shall use commercially reasonable efforts to negotiate expense reimbursement payments. 

  

	 	J.	 Fidelity shall build and launch for use by ATC an enhanced daily accrual dividend file capability. The enhanced
capabilities will include a daily file with cusip, pay date, month-to-date accrual amount, share quality, and other related data elements required to calculate and
reconcile daily accrual balances. 

  

	 	K.	 Fidelity shall launch for use by ATC on enhancement to the daily income feature to expand the rate field to
[***] decimals.EX-10.7

 Exhibit 10.7 

The redacted information has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed. 

MASTER SERVICES AGREEMENT 

THIS MASTER SERVICES AGREEMENT (“Agreement”) is by and between Incedo, Inc. dba IB Technology Solutions Inc., a Delaware
Corporation (“Supplier”), with offices at 2350 Mission College Blvd, Suite# 246, Santa Clara, CA 95054, and AssetMark, Inc., a California corporation (“Company”) with offices at 1655 Grant Street, 10th Floor, Concord, CA 94520. This Agreement shall become effective on the date on which the last party to sign this Agreement affixes its signature here to (the “Effective Date”). 

1. Master Agreement; Statements of Work. 

(a) Agreement Structure. This is a Master Services Agreement containing terms and conditions to be applicable to one or more written
Statements of Work (“SOWs”), which shall be numbered consecutively and may be in the form attached hereto as Exhibit A, or in such other form as may be agreed upon by the parties. A SOW shall specify services and any deliverables to be
provided by Supplier (such services and deliverables together, “Services”), applicable fees, term for which Services shall be provided, specifications, service levels, and project timelines, as well as any requirements which are in
addition to the general provisions of this Agreement, such as specific project milestones, acceptance criteria and/or other quality and warranty considerations. If any service, function or responsibility not specifically described in this Agreement
and not expressly identified as a retained Company responsibility is required for the proper performance, provision, delivery or receipt of the Services, each shall be deemed to be implied by and included within the scope of the Services to the same
extent and in the same manner as if it was specifically described in this Agreement. No SOW shall be effective unless signed by the parties. Any change in the Services or other provisions of the SOW may be made only by a written amendment signed by
the parties. Except as otherwise expressly provided herein or in a SOW, Supplier shall supply all personnel, equipment, assets and facilities necessary to perform the Services. Where Supplier personnel operate from Company premises under an SOW,
Company shall provide such resources, facilities and access as identified in the SOW or separately agreed by the parties in writing. 
 (b)
Parties to SOWs. Services purchased under this Agreement may be used by Company on behalf of itself and for the benefit of all its Affiliates. “Affiliate” means a legal entity (i) controlled by a party or (ii) controlling
or under direct or indirect common control with a party. For purposes of this definition, “control” means (x) the ownership, directly or indirectly, of more than fifty percent (50%) of the voting securities or other equity interests
of an entity (or if outside the United States and a foreign investor is not permitted to own more than fifty percent (50%), the maximum percent ownership allowed for a foreign investor), or (y) the possession, directly or indirectly, of the
power to direct or cause the direction of the management and polices of an entity, whether through the ownership of voting securities, by contract, or otherwise. Any Company Affiliate may purchase Services directly by executing its own SOW. In such
case, the Company Affiliate that signs the SOW shall be solely responsible for payment with respect to such Services and performance of the Agreement in connection with the SOW (i.e., each SOW shall be deemed, upon its execution, to incorporate the
terms and conditions of this Agreement and shall constitute a separate, distinct and independent contract between Supplier and the signing Affiliate), and shall be entitled to all rights and responsible for all obligations of Company under this
Agreement, with respect to the particular Services purchased by such Company Affiliate. 

 AssetMark Master Services Agreement 

Page 2 of 30 
  

 (c) Relationship of Agreement and SOWs. Each SOW shall be incorporated into and
subject to the terms of this Agreement. A SOW may contain terms and conditions in addition to those in this Agreement. However, if a SOW contains terms or conditions that directly conflict with the body of this Agreement, the provisions in the body
of this Agreement shall control, unless the SOW expressly provides that such conflicting term or condition supersedes this Agreement. Such additional or different terms or conditions shall be applicable only to the SOW in which they are contained.

 (d) No Minimum/No Exclusivity. Nothing contained in this Agreement alone shall constitute a commitment by Company to purchase
Services. Such a commitment shall arise only from an SOW signed by the parties. This Agreement is nonexclusive, and Company may contract with other entities to perform services related to or within the terms of any SOW. 

(e) FOR USE IF ACCEPTANCE OF PRODUCT IS NEEDED: Acceptance. When Supplier has completed a Service, it shall notify Company in writing
that the Service is ready for acceptance testing. Company shall have thirty (30) days (or such other period as may be expressly set forth in a SOW) from receipt of the notice to test the Service to determine whether it complies in all material
respects with the requirements of this Agreement, any applicable SOW, service levels, and, solely to the extent not inconsistent with the foregoing, any documentation furnished by Supplier (collectively, the “Specifications”). Upon
completion of Company’s review and testing, Company shall notify Supplier whether it has accepted such Service (“Accept”), or whether it has identified discrepancies with the Specifications (“Reject”). If
Company Rejects a Service, Company shall provide a written list of items that must be corrected. On receipt of Company’s notice, Supplier shall promptly commence, at no additional charge to Company, all reasonable efforts to complete, as
quickly as possible, such necessary corrections, repairs and modifications to the Services as will permit them to be ready for retesting, but in no event shall such corrective measures exceed twenty (20) days (or such other time as the parties
may agree upon in writing) from receipt of Company’s notice. The testing and evaluation process shall resume, as set forth above, with Company having an additional thirty (30) day testing period. If Company determines that the Services, as
revised, still do not comply in all material respects with the Specifications, Company may either (1) afford Supplier the opportunity to repeat the correction and modification process as set forth above at no additional cost or charge to
Company, or (2) depending on the nature and extent of the failure in Company’s sole judgment, terminate the relevant SOW(s). The foregoing procedure shall be repeated until the Services pass the applicable Specifications, or Company elects
to terminate the SOW(s) as provided above. If Company terminates a SOW as provided above, Supplier shall pay to Company, within ten (10) business days of written notice of termination, all sums paid to Supplier by Company under this Agreement
for the Services as to which the termination applies. 
 2. Term and Termination. 

(a) Term of Agreement. This Agreement shall remain in effect for a term of three (3) years from the Effective Date with automatic
renewals for successive one (1) year terms, unless Company provides Supplier with written notice of non-renewal at least sixty (60) days prior to the end of the then-current term. 

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 (b) Term of SOWs. Each SOW shall commence as of the Commencement Date as defined in
such SOW and shall continue for the term and renewal periods (if any) set forth in such SOW. 
 (c) Termination of SOWs. Either party
to a SOW may terminate such SOW for cause upon not less than thirty (30) days’ prior written notice to the other upon the occurrence of any of the following: (i) the other party’s material breach of any provision of the SOW or
this Agreement as it applies to such SOW provided that such breach has not been cured to the non-breaching party’s satisfaction within thirty (30) days after such notice; or (ii) if the non-terminating party shall be or become insolvent, shall call any meeting of creditors or have appointed a receiver or trustee over itself or its assets, or if any petition, proceeding or other action under any
bankruptcy laws shall be filed by or instituted against the non-terminating party. Company may terminate any and all SOWs for its convenience, without termination fee or penalty, upon not less than thirty
(30) days’ prior written notice to Supplier. 
 (d) Termination of the Agreement. Only Company (and not any Company
Affiliate) or Supplier shall have the right to terminate the Agreement for cause upon not less than thirty (30) days’ prior written notice to the other upon the occurrence of any of the following: (i) the other party’s material
breach of any provision of this Agreement independent of any SOW provided that such breach has not been cured to the non-breaching party’s satisfaction within thirty (30) days after such notice; or
(ii) if the non-terminating party shall be or become insolvent, shall call any meeting of creditors or have appointed a receiver or trustee over itself or its assets, or if any petition, proceeding or
other action under any bankruptcy laws shall be filed by or instituted against the non-terminating party. Company (and not any Company Affiliate) may terminate the Agreement, any SOW, or any Service for its
convenience, without termination fee or penalty, upon not less than thirty (30) days’ prior written notice to Supplier. 
 (e)
Duties Upon Termination or Expiration. Upon termination or expiration of any SOW, Supplier shall send Company its final invoice for such SOW and Company shall pay Supplier for Services performed in accordance with such SOW and this Agreement
prior to termination or expiration. Upon termination of any SOW, Supplier shall refund Company any pre-payments made by Company on account of Services which were intended to be performed beyond the termination
date. Upon termination or expiration of any SOW, as relates to such expired or terminated SOW, Supplier shall, at no additional cost, (i) deliver all completed work and work in progress to Company or its designee, (ii) provide Company or
its designee a written report on the status of the Services in a form and level of detail reasonably satisfactory to Company, (iii) make Supplier’s personnel reasonably available to meet with Company or its designee, (iv) provide such
further information as Company or its designee may reasonably request, and (v) cooperate with and assist Company to wind-down the Services and transfer the Services to Company or its designee. Upon Company’s written request, Supplier also
shall continue to perform the Services at the then-current rates set forth in the SOW for a period not to exceed one (1) year and the SOW and this Agreement shall continue in effect throughout such period. 

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 (f) Effect of Termination. Termination of any one or more SOWs shall not constitute a
termination of this Agreement or any remaining SOWs not so terminated. If this Agreement is terminated or expires prior to the termination or expiration of the then-current term of any SOWs and such SOWs are not also expressly terminated or have not
expired, then such SOWs shall continue for the then-current term and this Agreement shall continue in effect with respect to such SOWs until the termination or expiration of the then-current term of such SOWs. Termination of this Agreement or any
SOW shall not limit either party from pursuing any other remedies available to it pursuant to this Agreement. 
 3. Services. 

(a) Obligation to Provide Services. Supplier shall provide the Services described in each SOW. 

(b) Use of Licensed Materials. If Supplier is to use any software or other material licensed to Company or any Company Affiliate by a
third party, such use must be permitted by and shall be subject to any restrictions in the applicable license. Supplier may be required to execute a confidentiality agreement, sublicense or other appropriate agreement with Company, Company Affiliate
and/or such third party prior to such use. 
 (c) Business Continuity. Supplier shall maintain a Business Continuity and Disaster
Recovery Plan for the Services (the “Plan”), and implement such plan in the event of any unplanned interruption of the Services. On or before the Effective Date, Supplier shall provide Company with a copy of Supplier’s current
Plan, revision history, and any reports or summaries relating to past testing of the Plan. Supplier shall actively test, review, and update the Plan on at least an annual basis using American Institute of Certified Public Accountants standards and
other industry best practices as guidance. Supplier shall promptly provide Company with copies of all such updates to the Plan. All updates shall be subject to the requirements of this Section. In any event, any future updates or revisions to the
Plan shall be no less protective than the plan in effect as of the Effective Date. Supplier shall notify Company of the completion of any audit (e.g., ISO 9000) of the Plan and promptly provide Company with a copy of the audit report and reasonable
evidence that any identified deficiencies have been corrected. Supplier shall also promptly provide Company with copies of all reports and/or summaries resulting from any testing of the Plan. If Supplier fails to reinstate the Services within the
periods of time set forth in the Plan, Company may in addition to any other remedies available hereunder, in its sole discretion, immediately terminate this Agreement as a non-curable breach. Supplier shall
maintain disaster avoidance procedures designed to safeguard Company’s data and the data processing capability, and availability of the Services, throughout the Term. Additional disaster recovery/business continuity requirements may be set
forth in the individual SOWs. Supplier shall immediately notify Company of any disaster or other event in which the Plan is activated. Without limiting Supplier’s obligations under this Agreement, whenever a disaster causes Supplier to allocate
limited resources between or among Supplier’s customers, Company shall receive at least the same treatment as comparable Supplier customers with respect to such limited resources. The provisions of Section 13 (d) (Force Majeure) shall not limit
Supplier’s obligations under this section. 

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 (d) Services Not to Be Withheld. Supplier shall not voluntarily refuse to provide all
or any portion of the Services except Supplier may refuse Services upon Company’s failure to pay undisputed amounts due after notice and an opportunity to cure as applicable to material breaches. If Supplier breaches or threatens to breach this
Section, Supplier agrees that Company shall be irreparably harmed and shall be entitled to apply to a court of competent jurisdiction for and be granted an injunction compelling specific performance by Supplier without the necessity of posting any
bond notwithstanding anything else to the contrary in this Agreement. 
 (e) Quality Assurance. Company shall have the right to
conduct audits, to monitor and to perform or witness inspections or tests of the Services furnished hereunder or to otherwise determine Supplier’s compliance with the SOW and the Agreement, at Supplier’s facility or at such other location
where the Services are being developed or provided, at no charge to Company. 
 (f) Compliance Audit. During the Term, to the extent
Supplier engages a third party auditor to perform a SSAE 16 audit or successor audit of Supplier’s operations, information security program, and/or disaster recovery/business continuity plan, Supplier shall promptly furnish a copy of the audit
report to Company. Any such audit reports shall be deemed Supplier Confidential Information. In the event an audit under this Section identifies any adverse findings, Supplier shall promptly mitigate such findings and provide written documentation
to Company of such mitigation. If Supplier fails to mitigate all findings within a reasonable period of time, which shall not exceed thirty (30) days without Company’s prior written authorization, Company may terminate this Agreement
without further obligation, including payment of any termination or similar fee or penalty. 
 4. Representations and Warranties.

 (a) Services. Supplier represents and warrants that its Services hereunder shall be provided by qualified individuals in a
professional and workmanlike manner conforming to the highest industry standards and practices, and in strict accordance with all applicable law, regulations, codes and standards of government agencies, authorities or self regulatory organizations
having jurisdiction, and shall conform to any additional warranties, specifications, service levels and time frames in the SOW. 
 (b) No
Claims/No Infringement. Supplier represents and warrants that no claim (whether or not embodied in an action, past or present) that the Services infringe on any patent, copyright, trademark or service mark, or misappropriate any trade secret or
other proprietary right, has been threatened or asserted, and no such claim is pending against Supplier or against any entity from which Supplier obtained such rights. Supplier represents and warrants that Company’s use of the Services as
contemplated in the SOW and this Agreement shall not infringe on any patent, copyright, trademark, or service mark or misappropriate any trade secret or infringe any proprietary or intellectual property right of any party, including without
limitation Supplier, any employee or contractor of Supplier or any third party. 

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 (c) Compliance with Laws. Supplier further represents and warrants it shall, in connection
with its performance hereunder, comply with all applicable laws, ordinances, rules, regulations, building codes, electrical codes, business licenses, visas, work permits, court orders, and governmental or regulatory agency orders (collectively,
“Laws”), including, without limitation, Laws relating to non-discrimination, human rights, child labor, and other employment and labor Laws and applicable foreign export Laws, and Laws
pertaining to health, safety, the environment, and hazardous materials. 
 (d) Offshore Transmission of PI. Except for jurisdictions
expressly identified in an SOW, Supplier represents and warrants it shall not transmit or make available any PI to any entity or individual outside the continental United States. Supplier represents and warrants that all Supplier systems used in
providing the Services that access Company systems and the data therein in permitted jurisdictions outside the United States shall be configured as follows: (i) all print screen and screen capture functionality shall be disabled; (ii) no
Company data will be cached on Supplier systems or transferred to any form of local storage media; (iii) the Supplier systems shall not be capable of printing any Company data or other Confidential Information; (iv) all USB, Firewire, and
other similar ports shall be disabled; and (v) all wireless services (e.g., WiFi, Bluetooth®, etc.) shall be disabled. In addition, Supplier shall not permit any recording devices (e.g., cameras, smartphones, audio records, video recorders,
etc.) of any kind in the areas of Supplier’s facilities where the systems are located that access and display Company data. 
 (e)
No Hidden Costs. Supplier represents and warrants that (i) any licenses or agreements from or with any third party that must be obtained by Company for the Company to use the Services as provided in this Agreement are expressly set forth
in the applicable SOW and (ii) there are no additional, undisclosed license fees or expenses payable to third parties required to be paid by Company for the Company to use the Services as provided in this Agreement. 

(f) Malware and Disabling Code. 

    (i)     “Malware” means computer software, code or instructions that
(A) adversely affect the operation, security or integrity of a computing, telecommunications or other digital operating or processing system or environment, including without limitation, other programs, data, databases, computer libraries and
computer and communications equipment, by altering, destroying, disrupting or inhibiting such operation, security or integrity; (B) without functional purpose, self-replicate without manual intervention; (C) purport to perform a useful
function but which actually perform either a destructive or harmful function, or perform no useful function and utilize substantial computer, telecommunications or memory resources; or (D) without authorization collect and/or transmit to third
parties any information or data, including without limitation such software, code or instructions commonly known as viruses, Trojans, logic bombs, worms, adware and spyware. 

    (ii)     “Disabling Code” means any code which could have the effect of
permitting improper use, access, deletion or modification of, or, unless Company agrees otherwise in writing, disabling, deactivating, damaging or shutting down one or more software programs or systems and/or hardware or hardware systems, including
without limitation, time bombs, protect codes, data destruction keys, trap doors and similar code or devices. 

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     (iii)     Throughout the term of
any SOW, Supplier shall take commercially reasonable measures consistent with the highest industry standards to prevent the coding or introduction of any Malware or Disabling Code into the Services and any Company or Company Affiliate system
interfacing with the Services, including without limitation the information, data and other materials delivered by or on behalf of Supplier to the Company, any Company Affiliate or their customers or third party suppliers, or the introduction of any
Malware into operating environments and processes used by Supplier to provide the Services. Supplier shall continue to review, analyze and implement improvements to and upgrades of its Malware prevention and correction programs and processes that
are reasonable and consistent with the highest industry standards. If Malware or Disabling Code is found to have been introduced into the Services, any Company or Company Affiliate system interfacing with the Services, or the information, data and
other materials delivered by or on behalf of Supplier to the Company, any Company Affiliate or their customers or third party suppliers, or if any Malware is found to have been introduced into the operating environments and processes used by
Supplier to provide the Services, Supplier shall promptly notify the Company (and any affected Company Affiliate) and Supplier shall take immediate and continuing action to eliminate the Malware or Disabling Code and remediate its effects at
Supplier’s expense; provided, however, Supplier shall not take any such action with respect to the systems of Company’s or Company Affiliates’ customers and third party suppliers except at Company’s request.
Notwithstanding the foregoing, if such Malware or Disabling Code was introduced by or through the Company or a Company Affiliate and Supplier has complied with its obligations set forth in this Section, Company shall be responsible for the
reasonable costs incurred by Supplier to eliminate and remediate the effects of such Malware or Disabling Code. At Company’s request, Supplier shall report to Company the nature and status of all Malware and Disabling Code elimination and
remediation efforts. 
 (g) Open Source Software. Supplier represents and warrants that unless Company agrees otherwise in writing,
the Services including without limitation any software included in the Services or otherwise provided by Supplier hereunder shall not contain any open source software, shareware, freeware or other similar software, and except for the license and
other terms expressly set forth in this Agreement, the software provided by Supplier is not subject to any other express or implied terms, conditions or restrictions, including, but not limited to, additional license terms. 

(h) Export Control. Supplier represents and warrants that any technology (including without limitation any hardware or software)
provided by Supplier or its designee to Company or a Company Affiliate as part of the Services (i) is not designated for control under the U.S. Munitions List of the International Traffic in Arms Regulations of the Department of State and
(ii) does not fall within an Export Control Classification Number under the Commerce Control List requiring an export license under the U.S. Export Administration Regulations of the Bureau of Industry and Security of the Department of Commerce.

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 (i) Exclusive Warranties. THE FOREGOING WARRANTIES ARE EXCLUSIVE AND IN LIEU OF ALL
OTHER WARRANTIES, WHETHER EXPRESS OR IMPLIED, REGARDING THE QUALITY OR PERFORMANCE LEVEL OF SERVICES, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.  

5. Personnel. 
 (a)
Project Management. Each party shall designate in each SOW a project manager who shall be such party’s primary point of contact regarding the Services. Each party may designate a new project manager upon reasonable written notice to the
other party. 
 (b) Supplier Personnel. In the event that, as a result of the actions, inaction, or replacement of Supplier project
staff, additional or accelerated work is required to perform this Agreement, Supplier shall perform all such work at no additional charge to Company. In addition, Supplier represents and warrants that it will, to the maximum extent possible, take
all necessary steps to assure continuity over time of the membership of the group constituting Supplier’s project staff. Supplier shall promptly fill any staff vacancy with personnel having qualifications at least equivalent to those of the
project staff member(s) being replaced. In the event Supplier replaces any personnel, all transition tasks, including, but not limited to training, knowledge transfer, and other time involved with the replacement personnel becoming familiar with
Company and the Services, shall be at no additional cost to Company. Additionally, in order to ensure a smooth transition between re-placement and former Supplier personnel, Supplier shall make the replacement
Supplier Personnel available to shadow the personnel to be replaced for a period of not less than ten (10) Business Days. During such shadow period, Company shall only be responsible for the Charges associated with the personnel to be replaced.

 (c) Immigration Status of Vendor Personnel. Supplier is solely responsible for ensuring compliance with all laws and regulations,
foreign and domestic, with regard to the immigration and visa status of its personnel, including personnel engaged to perform Services at Company facilities in the United States. Supplier may request Company assistance, however Company shall have no
obligation to provide any such assistance with regard to securing visas or other immigration documentation for Supplier’s personnel. In the event Company agrees to provide the Supplier-requested assistance, additional liability, including
further indemnity, will be required of Supplier. 
 (d) Removal of Supplier Personnel. Upon written notice to Supplier, Company may
require that Supplier promptly remove any Supplier employee or agent who is not providing Services in accordance with the Agreement or the SOW. In such event, Supplier shall promptly provide qualified replacement personnel and shall pay the costs
attributable to familiarizing such personnel with the Services. 
 (e) Compliance with Company Policies by Supplier Personnel.
Supplier, its employees and agents shall comply with Company’s guidelines and policies applicable to providers of goods and/or services to Company, including without limitation Company’s Code of Ethics applicable to such providers.
Supplier, its employees and agents also shall comply with Company’s safety and security policies applicable to providers. These policies may include, without limitation, the requirement that Company screen Supplier, its employees and agents
against government-restricted lists and/or that Supplier provide at its expense criminal background checks and/or drug screenings of its employees and agents. 

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 (f) Notice of Labor Disputes. Supplier shall promptly notify Company of any and all
pending labor complaints, disputes or controversies involving any of Supplier’s employees, permitted subcontractors or agents providing Services pursuant to this Agreement and shall regularly report to Company the progress and status thereof.
Supplier shall use all reasonable efforts to resolve any such complaint, dispute or controversy. 
 (g) Drug Abuse Policies. If,
(A) at any time during the assignment the Company believes in good faith that an employee or agent of Supplier is intoxicated or under the influence of an illegal substance, or (B) as a consequence of an accident caused by or involving the
Supplier’s employee or agent on Company’s premises during the performance of this Agreement, Company or Supplier reasonably deems it likely to have been related to the employee’s or agent’s use of an illegal substance, Supplier
shall remove such employee or agent from Company’s assignment and, at Supplier’s expense, have each such person submit to a standard seven–panel drug test. If, for any such person, the drug test reveals positive indications of drug
use, then such person may be re-assigned to perform Services only after Supplier obtains Company’s written approval for such assignment, which approval may be withheld for any lawful reason. Supplier
shall pay the cost of familiarizing any replacement with the Services. 
 (h) Criminal Background Checks. Prior to assignment of any
Supplier personnel to perform Services under this Agreement and at Company’s request (which shall be no more frequently than annually) thereafter, Supplier shall at its expense for each such person obtain a criminal background check consisting
at a minimum of a review of state and federal convictions for felonies or misdemeanors for the counties of residence of such person during the prior seven (7) years. If, for any such person, the criminal background check reveals a conviction,
then such person may be assigned to perform Services only after Supplier obtains Company’s written approval for such assignment, which approval may be withheld for any lawful reason. Supplier shall and Company may (and Supplier will advise any
of its employees or agents who provide Services under this Agreement on premises of such parties’ right to) require a subsequent criminal background check, in addition to the ongoing annual checks referenced above, if either party has a
reasonable basis to believe a change in such person’s criminal history has occurred. Any subsequent criminal history checks shall be performed by Supplier at Supplier’s expense. 

(i) Fingerprinting Requirements. To the extent applicable federal, state, county or local laws, ordinances, statutes, rules,
regulations or license or permit requirements applicable to the Services change, Supplier will adjust its policies and procedures consistent therewith. Supplier acknowledges that it is aware of the fingerprinting requirements in Rule 17f-2 under the Securities Exchange Act of 1934, (the “Rule”) and will be responsible for submitting the required fingerprints and accompanying information required by the Rule of its employees covered by
the Rule to the Company’s Operations Leader as defined by the applicable SOW or as Company may subsequently direct in writing. Supplier acknowledges that it will maintain records of those employees covered by the Rule pursuant to the Rule and
that it will provide these documents to Company as Company may reasonably request.  

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 (j) Denied Persons List. All Supplier personnel performing the Services, regardless of
their location, shall be validated by Supplier upon assignment, to have not been on any list published and maintained by the government of the United States of America of persons or entities with whom any U.S. person or entity is prohibited from
conducting business. Presently, the lists of such persons or entities include without limitation the following web sites: (a) Denied Persons List on the Bureau of Industry and Security (currently available at
http://www.bis.doc.gov/dpl/default.shtm) or (b) the Specially Designated Nationals and Blocked Persons List of the Office of Foreign Assets Control, Department of Treasury (currently available at
http://www.treasury.gov/resource-center/sanctions/SDN-List/Pages/default.aspx). In the event of either party becoming aware of any Supplier personnel involved in providing Services being included in the
list of prohibited persons or entities, Supplier shall promptly remove such personnel from the provision of Services under this Agreement. Supplier shall conduct a quarterly review of the lists mentioned above and shall provide to Company results of
such reviews. Supplier shall report to Company immediately if the name of any of Supplier’s personnel is placed on any list published by the government of the United States of America of persons or entities with whom any US person or entity is
prohibited from conducting business and shall immediately, at Supplier’s sole expense, remove such person(s) from performing any Services and as soon as possible and replace such person(s) with qualified person(s) whose names do not appear on
such lists.  
 (k) Communication Systems and Access to Information. During the Term, Supplier may receive access to Company
Systems. Such Systems are intended for legitimate business use related to Company’s business. Supplier acknowledges that Supplier does not have any expectation of privacy as between Supplier and Company in the use of or access to Company’s
Systems and that all communications made with such Systems or equipment by or on behalf of Supplier are subject to Company’s scrutiny, use and disclosure, in Company’s discretion. Company reserves the right, for business purposes, to
monitor, review, audit, intercept, access, archive and/or disclose materials sent over, received by or from, or stored in any of its electronic Systems. This includes, without limitation, email communications sent by users across the internet and
intranet from and to any domain name owned or operated by Company. This also includes, without limitation, any electronic communication system that has been used to access any of Company’s Systems. Supplier further agrees that Supplier will use
all appropriate security, such as, for example, encryption and passwords (Supplier must provide passwords and keys to Company), to protect Company’s Confidential Information from unauthorized disclosure (internally or externally) and that the
use of such security does not give rise to any privacy rights in the communication as between Supplier and Company. Company reserves the right to override any security passwords to obtain access to voicemail, email, computer (and software or other
applications) and/or computer disks on Company’s Systems. Supplier also acknowledges that Company reserves the right, for any business purposes, to search all work areas (e.g., offices, cubicles, desks, drawers, cabinets, computers, computer
disks and files) and all personal items brought onto Company property or used to access Company Systems.  

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 6. Nondisclosure; Security.  

(a) Confidential Information. Each party may have access to information from the other party or its Affiliates that would reasonably be
considered proprietary or confidential, including but not limited to the other party’s or its Affiliates’ financial information, technical information, business plans, policies, or products (“Confidential Information” or
“CI”). Company’s CI shall include any written reports, findings, conclusions, recommendations, or reporting data and analysis prepared by Supplier and provided to Company under this Agreement. Supplier also may have access to
personally identifiable information of current, former and prospective customers and employees of Company or Company Affiliates (“Personal Information” or “PI”). Without limiting the foregoing, PI includes (i) non-public personally identifiable information of individuals who seek to obtain, obtain or have obtained insurance or other financial products or services from Company or its Affiliates which products and
services are used or intended to be used for personal, family or household purposes, and (ii) Protected Health Information as defined in 45 Code of Federal Regulations Section 164.501, as amended from time to time. For the avoidance of
doubt, all PI shall be deemed Company CI. 
 (b) Exclusions. A party’s CI shall not include information that (i) is or
becomes a part of the public domain through no act or omission of the other party in violation of this Agreement; (ii) was in the other party’s lawful possession prior to the disclosure and had not been obtained under an obligation of
confidentiality by the other party either directly or indirectly from the disclosing party; (iii) is lawfully disclosed to the other party by a third party not known by the receiving party to be bound by a duty of
non-disclosure; or (iv) is independently developed by the other party without use of the CI. One party may disclose the other party’s CI or PI without violation hereof to the extent such disclosure
is required by applicable law, regulation or governmental or judicial order; provided, that the party making such disclosure has given the other party advance written notice of the intended disclosure and a reasonable opportunity to seek a
protective order or other confidential treatment of the CI or PI, each to the extent permitted by law; provided, further, that the disclosure is limited to that required by such applicable law, regulation or governmental or judicial order. 

(c) Use and Nondisclosure. The parties agree to hold each other’s CI in confidence, and Supplier agrees to hold PI in confidence.
Each party agrees to use the other’s CI, and in Supplier’s case, PI, in accordance with all applicable laws. Each party agrees not to use the other’s CI, and Supplier agrees not to use PI, for any purpose other than the implementation
of this Agreement and not to make each other’s CI or, in the case of Supplier, PI, available in any form to any third party, except that CI or PI may be disclosed to the parties’ Affiliates, attorneys, accountants, agents, contractors and
consultants on a need-to-know basis under obligations of confidentiality and limited use at least as restrictive as those contained herein. Supplier agrees not to
transmit Company’s CI or PI to any country other than the country of origin for such Information without Company’s prior written consent. Each party agrees to use the same degree of care that it uses to protect its own confidential
information of a similar nature and value, but in no event less than the standard of care imposed by applicable laws and regulations relating to the protection of such information and, in the absence of any legally imposed standard of care, a
reasonable standard of care, to ensure that the other party’s CI and, in the case of Supplier, PI, is not disclosed or 

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 distributed by its employees, Affiliates, attorneys, accountants, agents, contractors, consultants or agents
in violation of this Agreement. Such care shall include, but not be limited to, Supplier’s maintenance of appropriate administrative, technical, procedural and physical safeguards to: (i) ensure the security, integrity and confidentiality
of Company’s CI and PI, (ii) protect against any anticipated threats or hazards to the confidentiality, security or integrity of Company’s CI and PI, and (iii) protect against unauthorized access to or use of Company’s CI
and PI. Company shall have the right to inspect Supplier’s practices regarding Company’s CI and PI upon reasonable advance notice. Each party shall be responsible for any breaches of this nondisclosure Section by any of its employees,
Affiliates, attorneys, accountants, agents, contractors or consultants. 
 (d) Security Breaches. Supplier shall promptly report to
Company any unauthorized access to or disclosure or use of Company’s CI or PI by Supplier or its agents (each, a “Security Breach”). Supplier shall provide Company with a detailed description of the Security Breach, the type of data
that was the subject of the Security Breach, the name and any other identifying information of each affected individual (if applicable) that is in Supplier’s possession, and any other information Company may request concerning the Security
Breach as soon as such information can be obtained. Supplier agrees to take action immediately, at its own expense, to (i) investigate the Security Breach, including without limitation its causes and effects, (ii) identify, prevent and
mitigate the effects of any such Security Breach, (iii) carry out any recovery or other action necessary to remedy the Security Breach and prevent a recurrence, and (iv) notify Company of the progress and results of the foregoing. At
Company’s option, such action shall include without limitation: (A) Supplier’s mailing of notices regarding the Security Breach to affected individuals (if applicable), the content of which shall be subject to Company’s prior
written approval; and/or (B) Supplier’s provision of credit monitoring or other similar service to affected individuals (if applicable) offered by a reputable provider, for a reasonable duration but not less than twelve months, and
including identity theft protection in a reasonable amount but not less than twenty thousand dollars ($20,000) per affected individual. Alternatively, Company may undertake either or both of the foregoing actions at Supplier’s expense. None of
the foregoing actions shall limit any other remedies available to Company pursuant to this Agreement. Supplier shall not issue any press release or make any other public filing, report or communication regarding the Security Breach without
Company’s prior written approval unless otherwise required by applicable law, regulation or governmental or judicial order; provided, that in such case Supplier has given Company advance written notice of the intended disclosure and a
reasonable opportunity to seek a protective order or other confidential treatment of the information, each to the extent permitted by law; provided, further, that the disclosure is limited to that required by such applicable law, regulation or
governmental or judicial order. 
 (e) Length of Obligation and Return of Information. The receiving party shall at any time upon the
disclosing party’s written request either return or destroy, at the receiving party’s option, the disclosing party’s CI and/or, in the case of Company as the disclosing party, PI. Notwithstanding the foregoing, either party may keep a
copy of the other party’s CI solely for maintaining reasonably appropriate business records or as may be required by law. A party’s CI, other than those portions of CI described below, shall be subject to these confidentiality obligations
for five (5) years after the termination or expiration of the last SOW to which such CI pertains. Those portions of CI that are comprised of trade secrets shall be subject to these provisions for so long as they remain protected as trade
secrets under applicable law. PI shall be subject to these provisions in perpetuity.  

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 (f) Publicity. Supplier and its agents agree that, unless required by law, (i) no
press release, acknowledgment or other information concerning the Agreement and the Services provided hereunder shall be made public by the Supplier without the prior written agreement of Company, and (ii) Supplier or its agents shall not
identify Company or any Company Affiliate as a customer nor shall Supplier or its agents use Company’s or a Company Affiliate’s name, photographs, logo, trademark, or other identifying characteristics without Company’s prior written
approval.  
 (g) Security Requirements. Supplier will maintain and enforce safety and physical security procedures
with respect to its access, use, and possession of Company’s Confidential Information, including Personal Information, that are (a) compliant with the requirements of Exhibits B and C and, to the extent not inconsistent, at least equal to
industry standards for such types of locations, and (b) which provide reasonably appropriate technical and organizational safeguards against accidental or unlawful destruction, loss, alteration or unauthorized disclosure or access of such
information. In the event of any conflict between Exhibit B and the Agreement, the terms of Exhibit B will prevail. Without limiting the generality of the foregoing, Supplier will take all reasonable measures to secure and defend its location and
equipment against “hackers” and others who may seek, without authorization, to modify or access Supplier systems or the information found therein. Supplier will periodically test its systems for potential areas where security could be
breached. Supplier will immediately report to Company any breaches of security or unauthorized access to Company’s Confidential Information, including Personal Information, that Supplier detects or becomes aware of, in accordance with
Section 6(d). 
 (h) Unauthorized Access. In the course of furnishing the Services, Supplier shall not access, and
shall not permit its personnel or entities within its control to access, Company’s Systems without Company’s express written authorization. Such written authorization may subsequently be revoked by Company at any time in its sole
discretion. Further, any access shall be consistent with, and in no case exceed the scope of, any such authorization given by Company. All Company authorized connectivity or attempted connectivity to Company’s Systems shall be only through
Company’s security gateways and/or firewalls, and in conformity with applicable Company security policies.  
 (i)
Supplier Systems. Supplier shall be solely responsible for all systems Supplier uses to access Company Systems. Supplier shall ensure that its systems include
up-to-date anti-viral software to prevent viruses from reaching Company Systems through Supplier’s systems. Supplier shall prevent unauthorized access to Company
Systems through the Supplier systems. Further, Supplier shall ensure Supplier personnel do not use any virtual private network or other device (“VPN”) to simultaneously connect machines on Company Systems to any machines on any
Supplier or third party systems, without (i) using only a remote access method approved in writing and in advance by Company; (ii) providing Company with the full name of each individual who uses any such VPN and the phone number at which
the individual may be reached while using the VPN; and (iii) ensuring that any computer used by Supplier personnel to remotely access Company Systems will not simultaneously access the Internet or any other third party network while logged on
to Company Systems.  

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 (j) Use of Personal Portable Devices. Without Company’s prior written
authorization, under no circumstances will any Supplier personnel connect to any Company System or access, handle, or use any Company Confidential Information and/or data, for purposes of downloading, extracting, storing or transmitting the
information and/or data through personally owned, rented, or borrowed equipment, including but not limited to, laptops, personal digital assistants, instant messaging devices, Universal Serial Bus (“USB”) devices and cell
phones.  
 7. Intellectual Property. 

(a) Definitions. 

    (i)     The term “Materials” means all intellectual property rights,
including without limitation all patents, patent applications, patent rights, trademarks, trademark applications, trade names, trade dress, service marks, service mark applications, domain names, copyrights, copyright applications, computer programs
and other computer software (including, without limitation, all source and object code, algorithms, architecture, structure, display screens, layouts and development tools), inventions, designs, samples, specifications, schematics, know-how, trade secrets, processes, formulae, development tools, discoveries, improvements, ideas, techniques, materials, flow charts, outlines, lists, compilations, manuscripts, writings and pictorial materials,
and all documentation and media constituting, describing or relating to the foregoing, including without limitation, manuals, memoranda and records. 

    (ii)     The term “Derivative Work” means a work based on one or more pre-existing works, including, without limitation, a condensation, transformation, expansion or adaptation, that, if prepared without authorization of the owner of the copyright of such pre-existing work, would constitute a copyright infringement. 

    (iii)     The term “Residuals” means the general knowledge and
experience, including without limitation processes, methods, techniques, know-how and concepts, developed or acquired by a party in the course of the Services, but excluding any CI of the other party and any
PI. 
     (iv)     The term “Work Product” means all Materials created or
developed by either party in connection with the Services during the term of this Agreement or any SOW. 
 (b) Ownership of Pre-existing Materials. All pre-existing Materials of Company or a Company Affiliate shall, as between Company and Supplier, be the property of Company or such Affiliate,
as the case may be. All pre-existing Materials of Supplier or its suppliers shall, as between Supplier and Company, be the property of Supplier or its suppliers, as the case may be. 

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 (c) Ownership of Work Product. 

    (i)     Company Ownership. Company shall be the sole owner of, with the
exclusive right to use and exploit, all Work Product on an as-created basis. Supplier shall notify Company of and assign to Company all Work Product on an as-created
basis. Supplier agrees that, to the fullest extent permitted under the U.S. Copyright Act, Company shall own the copyright to the Work Product, and that Supplier shall develop such Work Product as work made for hire. In addition, Supplier shall
irrevocably assign and transfer to Company all other intellectual property rights, including, but not limited to patent and trade secret rights, in and to all Work Product as such items are created. Any modifications, improvements or amendments to
any pre-existing Supplier or its suppliers’ Materials shall be solely owned by Supplier or its suppliers only if such improvements, amendments or modifications are not included or incorporated in any way
in any Work Product, and such Materials shall not be created using Company resources nor shall Company be charged for the creation of such Materials, nor shall any such Materials contain any Company Materials (i.e., the foregoing shall not be
construed as an assignment or other grant of rights in any Company Materials). 

    (ii)     License to Supplier
Pre-existing Materials. Supplier shall notify Company of all pre-existing Supplier or its suppliers’ Materials incorporated into or otherwise necessary to use,
modify or maintain any Work Product and Supplier hereby grants to Company and Company Affiliates a non-exclusive, perpetual, irrevocable, royalty free, worldwide, limited-transferable (as set forth below)
right and license to use, make, have made, sell, practice, copy, display, distribute, maintain, modify and create Derivative Works from, in any and all media, pre-existing Supplier or its suppliers’
Materials incorporated into or otherwise necessary to use, modify or maintain any Work Product (A) for internal use within Company and Company Affiliates, or (B) otherwise in commerce in the normal course of Company’s or Company
Affiliates’ businesses; provided, that Company’s and Company Affiliates’ rights to such shall be solely in connection with the Work Product. Such license to Supplier or its suppliers’ Materials may be transferred, assigned or
sublicensed to any third party in connection with the sale, merger or disposition of the Work Product or the Company or Company Affiliate business or assets to which the Work Product relates. To the extent permitted by Company or a Company
Affiliate, the agents, brokers, customers, third party administrators, consultants and contractors of Company and Company Affiliates shall also have the right to use the Supplier or its suppliers’ Materials under the license granted hereunder
in connection with the business of Company or Company Affiliates. 
     (iii)    
No Further Use by Supplier of Work Product. Supplier agrees that it shall not provide to its other clients and customers, nor use in any way in the course of later engagements, the specific Work Product created for and delivered to Company
pursuant to this Agreement. Company acknowledges that in the course of Supplier’s business, Supplier may develop, use, and distribute works that are substantially similar to the Work Product, including works similar in function, structure,
sequence, or organization of the Work Product. 

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     (iv)     License to Company
Materials. During the Term, Company grants Supplier a non-exclusive, non-transferable, terminable at-will license to use the
Company Materials solely for Company’s benefit in connection with Supplier’s performance of the Services. Company may terminate the foregoing license at any time, without cause, on written notice to Supplier. Unless specifically authorized
in the SOW or by Company in writing, Supplier shall use the Company Materials only in the form provided by Company, without modification. Except for the limited license provided in this subsection, nothing contained in this Agreement shall be
construed as granting Supplier any right, title, or interest in or to any of the Company Materials or other intellectual property of Company. 

    (v)     Third Party Intellectual Property Rights. In the event Supplier
provides any third party intellectual property (the “Third Party Intellectual Property”) to Company in connection with this Agreement for which Company would be obligated to accept and be bound by any third party terms and conditions, the
following shall apply: (1) Supplier shall specifically identify in writing all Third Party Intellectual Property in the applicable SOW; (2) Supplier shall attach to the applicable SOW written copies of all third party license agreements
applicable to Company; and (3) Supplier warrants that (i) it has the right to license any Third Party Intellectual Property licensed to Company under this Agreement; (ii) to the best of Supplier’s knowledge, the Third Party
Intellectual Property does not, and the use of the Third Party Intellectual Property by Company as contemplated by this Agreement will not, infringe any intellectual property rights of any third party; and (iii) unless specifically provided
otherwise herein, Company shall have no obligation to pay any third party any fees, royalties, or other payments for Company’s use of any Third Party Intellectual Property in accordance with the terms of this Agreement. With regard to
(i) any Third Party Intellectual Property that Supplier fails to identify in the applicable SOW, and (ii) any Third Party Intellectual Property embedded in the Work Product for which Company is not required to accept any third party terms
and conditions, all such intellectual property shall be considered, as appropriate, part of and included in the definition of “Supplier Materials” and subject to all warranties, indemnities, and other requirements of this Agreement,
including scope of license, relating to the Supplier Materials. To the extent permitted by law or contract, Supplier shall pass through to Company the warranties for the Third Party Intellectual Property. 

(d) Residuals. Each party shall have the right to use for any purpose any Residuals from any Work Product. 

(e) Further Assurances. Each party covenants and agrees, on its own behalf and on behalf of its employees, agents, successors and
assigns, without further compensation, to promptly at any time upon the request of another party, its successors and assigns to provide such further information and execute such further assignments and documents, give testimony, and take all further
legal acts as reasonably requested by the other party to perfect title to, or to acquire, transfer and maintain patent, copyright, trademark, mask work, trade secret and other legal protection for, Materials owned by the requesting party pursuant to
this Section. Provided that under circumstances shall the foregoing be construed as an obligation on Company to assign or grant Supplier any intellectual property rights. 

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 (f) Local Law Compliance. In addition to all other requirements of the Agreement
relating to intellectual property ownership, Supplier shall ensure it has written agreements compliant with local law with all personnel, including subcontractors and agents, ensuring irrevocable assignment of all intellectual property rights of the
personnel to Contractor such that Contractor may fulfill its obligations to perfect Company’s ownership in the Work Product. 
 8.
Limitations on Liability. Neither party nor its Affiliates, nor any of such party’s or its Affiliates’ respective directors, officers, employees or agents, shall be liable to the other party or its Affiliates, or any of such other
party’s or its Affiliates’ respective directors, officers, employees or agents, for any consequential, incidental, special, indirect, punitive or exemplary damages, including loss of profits and loss of business arising out of or related
to this Agreement. The parties shall remain liable for all direct damages for claims arising out of or related to this Agreement, including but not limited to the cost to obtain substitute services or deliverables. The foregoing limitations and
exclusions of liability shall not apply to or limit the party’s express obligations of indemnification under this Agreement, either party’s breach of Section 6 (Nondisclosure), or either party’s infringement of the other
party’s intellectual property rights. 
 9. Indemnification. 

(a) Certain Claims. Each party shall indemnify, defend, and hold harmless the other party, the other party’s Affiliates, and each
of such other party’s and such other party’s Affiliates’ respective directors, officers, employees and agents (each, an “Indemnified Party”) from all losses, damages, fines, sanctions, injuries, costs and expenses (including
without limitation court costs and reasonable attorneys’ fees) associated with each of the following, provided in each case that the Indemnified Party comply with the procedure set forth below: 

    (i)     claims asserted by a third party, against the party claiming
indemnification and directly and proximately caused by the acts or omissions of the other party (the “Indemnifying Party”), its Affiliates and/or each of their directors, officers, employees or agents (collectively together with the
Indemnifying Party, the “Indemnifying Group”), arising out of or related to this Agreement; 

    (ii)     personal injury, including death, or damage to tangible property, suffered
by any Indemnified Party and directly and proximately caused by the acts or omissions of any member of the Indemnifying Group, arising out of or related to this Agreement; 

    (iii)     willful misconduct, gross negligence, or violation of applicable law by
any member of the Indemnifying Group, arising out of or related to this Agreement. 
 (b) Infringement Claims. Supplier shall
indemnify, defend, and hold harmless any Company Indemnified Party from all losses, damages, fines, sanctions, injuries, costs and expenses (including without limitation court costs and reasonable attorneys’ fees) related to any claim that any
Materials furnished by Supplier and used by or for any Company Indemnified Party in connection with the Services infringe a third party’s copyright, trademark, service mark or 

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patent, misappropriates a third party’s trade secret, or otherwise infringe any third party’s intellectual property or proprietary right. Supplier shall have no liability for any claim
of infringement or misappropriation to the extent resulting from: (i) the Company Indemnified Party’s use of a superseded or altered release of some or all of such Materials if infringement would have been completely avoided by the use of
a subsequent unaltered release of such Materials, if such subsequent release is provided on a timely basis at no additional cost, and following a reasonable period for such subsequent release to be implemented, and Supplier’s written
notification that use of the subsequent release would avoid the infringement, or (ii) the Company Indemnified Party’s use of such Materials in conjunction with software, data, or material not furnished by Supplier unless the possibility of
such use was known, recommended, authorized or approved by Supplier or otherwise contemplated under the relevant SOW. In the event that some or all Materials furnished by Supplier become the subject of an infringement claim indemnified above,
Supplier shall, at its expense and without limiting any other remedy available to the Company Indemnified Party pursuant to this Agreement, either (x) modify such Materials to make them non-infringing
while retaining the same or equivalent functionality, (y) obtain for any Company Indemnified Party who had a right to use the Materials, a license to continue using such Materials or (z) replace the Materials with substantially similar
Materials with the same or equivalent functionality. In the event Supplier is unable for any reason to provide one of the foregoing remedies within forty-five (45) days of notice of the claim and such time is not extended by the mutual written
agreement of the parties, Company may terminate this Agreement, return the infringing item(s) and receive a refund of all fees paid for the infringing items, prorated over five (5) years from the date of original delivery to Company. 

(c) Claims Regarding Personal Information and Violation of Laws. Supplier shall indemnify, defend, and hold harmless any Company
Indemnified Party from all losses, damages, fines, sanctions, injuries, costs and expenses (including without limitation court costs and reasonable attorneys’ fees) arising out of (i) a Supplier Indemnifying Group member’s violation
of Laws or (ii) the breach by any member of the Supplier Indemnifying Group of its obligations pursuant to Section 6 above with respect to Personal Information. 

(d) Procedure. The following procedure shall be applicable to indemnification sought pursuant to this Section. The Indemnified Party
shall promptly notify the Indemnifying Party of a claim subject to this Section; provided however, that failure to do so shall not preclude such party’s right to indemnification if such failure does not materially prejudice the Indemnifying
Party, and if such failure does materially prejudice the Indemnifying Party then the Indemnified Party’s rights shall only be diminished to the extent of the prejudice. The Indemnified Party shall control the defense and/or settlement of the
claim; provided, however, that upon receipt of notice of the claim, the Indemnifying Party shall have the right to assume control the defense of the claim by providing the Indemnified Party notice of such assumption within thirty (30) days
after receipt of notice of the claim. The Indemnifying Party’s control of the defense shall include the right to compromise or settle such claim for money damages which the Indemnifying Party shall pay with no admission of
wrongdoing by the Indemnified Party; provided, however, that any compromise or settlement shall include an unconditional release of the Indemnified Party of all liability on such claim. Any other compromise or settlement must be approved by the
Indemnified Party which approval shall not be unreasonably withheld, conditioned or delayed. If the Indemnifying Party 

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assumes control of the defense, (i) the Indemnified Party shall participate in such defense and/or settlement as reasonably requested by the Indemnifying Party and at the Indemnifying
Party’s expense, and (ii) the Indemnified Party in any event may choose to continue to participate in the defense and/or settlement with counsel of its own choosing at its own expense. 

10. Fees. 
 (a) Fees
for Services. Services shall be provided at the price set forth in the SOW. Supplier shall not increase such price during the term or any renewal of the SOW. Additional work by Supplier outside the original scope of work in the SOW shall not be
charged unless specifically agreed in a writing signed by the parties. Any work performed by Supplier and not specifically authorized by Company in writing shall be considered gratuitous and Supplier shall have no right or claim whatsoever to any
form of compensation.  
 (b) Most-Favored Customer. The parties to this Agreement intend that Company shall have the status
of a most-favored customer with respect to matters of pricing and other material terms, including without limitation, warranty, liability and indemnification. If Supplier offers more favorable terms to any of its other customers during the term of
this Agreement or any SOW, Company shall be entitled to the more favorable terms for all Services from and after the date of such offer. Company reserves the right to re-open price negotiations at any time as
necessitated by changing market conditions or the addition of services.  
 (c) Purchase Orders, Invoices and Payment. Company
shall issue a purchase order on or about the time of execution of a SOW. Notwithstanding the execution of a SOW, Company shall be liable only for Services ordered by written purchase order to Supplier. In the event of any conflict between the pre-printed terms and conditions on a purchase order and the relevant SOW and this Agreement, the terms of the SOW and this Agreement shall prevail. Supplier shall invoice Company monthly in arrears unless otherwise
expressly specified in the applicable SOW. At its option, Company shall pay undisputed charges (i) at a discount of [***] percent ([***]%) if paid within seven (7) days of Company’s receipt of a correct invoice, or (ii) within
forty-five (45) days of Company’s receipt of a correct invoice. If goods are provided in connection with the Services, Supplier shall separately itemize the charges for goods and the charges for Services. 

(d) Volume Credits. Supplier shall offer discounts to Company on the following schedule, if Company’s monthly billing from
Supplier (for Services under this Agreement and any/or other agreements) reaches the applicable breakpoints: 
  

					
	 Monthly Billing
	  	% Credit	 
	 Up to $[***]
	  	 	[	***]% 
	 $[***]
	  	 	[	***]% 
	 Above $[***]
	  	 	[	***]% 

 (e) Expenses. To the extent set forth in the applicable SOW, appropriate travel and reasonable out-of-pocket expenses incurred by Supplier in connection with the Services performed shall be invoiced and reimbursed by Company to Supplier. Supplier agrees that any such
expenses for which Supplier shall seek reimbursement from Company shall be in accordance with Company’s general policies for such expenses applicable to providers of goods and/or services to Company and must be approved in writing in advance by
Company. 

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 (f) Taxes. 

    (i)     Each party shall be responsible for any personal property taxes on property
it owns or leases, for franchise and privilege taxes on its business, and for taxes based on its net income or gross receipts. 

    (ii)     Supplier shall be responsible for any sales, use, excise, value-added,
services, consumption, and other taxes and duties payable by Supplier on any goods or services used or consumed by Supplier in providing the Services hereunder, or any subsequent amendment or modification hereto, if the tax is imposed on
Supplier’s acquisition or use of such goods or services and the amount of tax is measured by Supplier’s costs in acquiring such goods or services. 

    (iii)     Company shall be responsible for any sales, use, excise, value-added,
services, consumption, and other similar taxes and duties assessed on any fees charged by Supplier to Company in the performance of this Agreement. Company may report and (as appropriate) pay such taxes directly if Company provides Supplier with a
direct pay or exemption certificate. Notwithstanding the foregoing, Supplier shall be solely responsible for any taxes levied by any governmental authority or jurisdiction in India or other jurisdiction outside the United States or any change in
taxation initiated by any governmental authority or jurisdiction in India or other jurisdiction outside the United States, including any and all Service taxes instituted after the Effective Date. 

    (iv)     The parties agree to cooperate with each other to enable each to more
accurately determine its own tax liability and to minimize such liability to the extent legally permissible. Supplier’s invoices shall separately state the amounts of any taxes Supplier is proposing to collect from Company. Each party shall
provide and make available to the other any resale or direct pay certificates, information regarding out-of-state or out-of-country sales or use of equipment, materials, or services, and other exemption certificates or information reasonably requested by either party. 

    (v)     Supplier shall promptly notify Company and coordinate with Company the
response to and settlement of, any claim for taxes asserted by applicable taxing authorities for which Company is alleged to be financially responsible hereunder. At Company’s option and expense (including, if required by a taxing authority,
payment of any such tax, interest or penalty prior to final resolution of the issue) Company shall have the right to request, which request shall not be denied, delayed, subject to any conditions, or withheld by Supplier, to seek administrative
relief, a ruling, judicial review (original or appellate level) or other appropriate review (“Proceeding”) (in a manner deemed appropriate by Company), as to the applicability of any tax, interest or penalty, or to protest any assessment
and participate with Supplier in any legal challenge to such assessment. Notwithstanding the above, Company’s liability for such taxes is conditioned 

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upon Supplier providing Company notification within five (5) business days of receiving any proposed assessment of any additional taxes, interest or penalty due by Supplier, and Supplier
shall provide Company with the necessary authority or powers of attorney to enable Company the opportunity to participate or have other appropriate review as to the applicability of any such taxes prior to any assessment of additional taxes. When
requested by Company and at such entity’s expense, Supplier shall cooperate with and/or allow Company to participate with Supplier in any such Proceeding, protest or legal challenge related to matters for which Company is alleged to be
financially responsible. Notwithstanding the foregoing, Company’s participation in any Proceeding shall not prohibit or inhibit Supplier from concluding or resolving matters related to Supplier’s other clients, provided, however, that
Supplier shall not pay any claimed liability relating to Company or settle any Proceeding unless Company has consented to such payment or settlement. 

    (vi)     Supplier shall, upon the request of Company, expressly assign its right to
any and all refund claims relative to Company’s payment of any sales, use, excise, value-added, services, consumption, and other taxes and duties (hereinafter referred to as “Tax” or “Taxes”) paid to Supplier pursuant to
this Agreement, or at the request of Company, provide Company with a power of attorney designating Company as Supplier’s duly authorized representative in a form sufficient to permit Company to make a refund claim for any said Taxes paid by
Company pursuant to this Agreement. Supplier acknowledges and agrees that any refund claim assigned to Company hereunder or subject to a power of attorney granted to Company hereunder shall not be subject to any right of offset or limited in any
respect. In the event the taxing authority does not allow a Supplier to assign its right to a refund claim or grant a power of attorney to Company to file a refund claim, Supplier shall, upon the request of Company, file an amended return or refund
claim for Taxes paid by Company to Supplier. Supplier acknowledges and agrees that it shall pass on to Company, without any right of offset, any Tax refunds received by Supplier with respect to Company’s previous payment of Taxes pursuant to
this Agreement. In the event Supplier has any outstanding tax liabilities with any taxing authority which would prevent Company from directly obtaining a refund of taxes paid to Supplier through an assignment of such right or power of attorney as
provided herein, or would prevent Supplier from obtaining such refund directly from said taxing authority, Supplier acknowledges and agrees that Supplier shall directly reimburse Company for all such taxes paid to Supplier by Company without any
right of offset or other limitation. 
 (g) Audits and Records. Supplier shall, at its sole cost and expense, maintain complete and
accurate books and records regarding its performance of the Services, compliance with this Agreement, compliance with applicable laws and regulations, and the fees and costs charged to Company, covering all activities and transactions arising out
of, or relating to this Agreement and shall keep such records for not less than three (3) years after termination. Company and its duly authorized representatives shall have the right, upon forty-eight (48) hours prior notice, during
normal business hours for the Term of this Agreement, and for a period of three (3) years following the termination hereof for any reason, to examine and copy (without charge to Company) such books and records, and all other documents and
materials in the possession or under the 

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control of Supplier, with respect to the subject matter and terms of this Agreement that, in Company’s reasonable judgment have a bearing on or pertain to matters, rights, duties or
obligations covered by this Agreement, including without limitation the right to verify Supplier’s overhead costs and rates. Company and its authorized representative shall have access to Supplier’s facilities that service Company, shall
be permitted by Supplier to interview current or former employees of Supplier with respect to matters pertinent to Supplier’s performance of this Agreement, shall have access to all necessary records, and shall be furnished, without charge,
adequate and appropriate workspace in order to perform the examinations provided for under this subsection. The cost for any such on-site audit shall be borne by Company. Should an audit reveal that the
Supplier, has overcharged Company, whether intentionally or inadvertently, then Company shall be entitled to a refund in the amount of the overcharge, plus interest at the maximum rate allowed by law. In the event of an overcharge in excess of ten
percent (10%) of the amounts actually due Supplier hereunder, Supplier shall reimburse Company for the reasonable cost of the audit. The exercise by Company of any right to audit under this or any other Section of this Agreement at any time or times
or the acceptance by Company of any statement or the payment thereof by Company shall be without prejudice to any of Company’s rights or remedies and shall not bar Company from thereafter disputing the accuracy of any payment or statement, and
the Supplier shall remain fully liable for any amounts found to be due under this Agreement. 
 11. Dispute Resolution. 

(a) Governing Law. This Agreement shall be governed by and interpreted in accordance with the laws of the State of California without regard to
any of its choice of law principles that would require the application of the law of any other jurisdiction. Notwithstanding the foregoing, the parties agree that the Uniform Computer Information Transactions Act (UCITA), if and to the extent
enacted in such State, shall not apply to this Agreement or any performance hereunder and the parties expressly opt-out of the applicability of UCITA to this Agreement. 

(b) Dispute Resolution. 

    (i)     Arbitration. This Agreement is made pursuant to a transaction
involving interstate commerce and shall be governed by and enforceable under the Federal Arbitration Act, 9 U.S.C. Section 1 et seq. Any dispute arising out of or relating to this Agreement shall be resolved by binding arbitration by
three arbitrators in accordance with the CPR Institute for Dispute Resolution Rules for Non-Administered Arbitration, and judgment upon the award rendered by the arbitrators may be entered by any court having
jurisdiction thereof. Arbitration proceedings shall take place in the city of Company’s location or such other location designated by Company. Except as may be required by law, neither party nor an arbitrator may disclose the existence,
content, status or results of any arbitration hereunder without the prior written consent of both parties. The procedures specified in this Section shall be the sole and exclusive procedures for the resolution of disputes between the parties arising
out of or relating to this Agreement or any SOW hereunder except as otherwise expressly provided in this Agreement. If each of the countries in which Supplier will be performing the Agreement is a signatory to the New York Convention on the
Recognition and Enforcement of Arbitral Awards, the arbitration award shall be enforceable under the convention in all relevant foreign jurisdictions. 

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     (ii)     Exceptions. This
Section shall not be construed to prevent a party from instituting, and a party is specifically authorized to initiate formal legal proceedings at any time (A) to obtain or preserve a superior position (or maintain parity) with respect to other
creditors, (B) to include the other party in a third party action in which indemnification may be sought pursuant to this Agreement, (C) to seek equitable relief to protect a party’s CI or Company’s or Company Affiliates’ PI
or other intellectual property, or (D) when expressly permitted pursuant to this Agreement. 
 12. Insurance. 

(a) Supplier shall obtain and keep in force the following insurance issued by insurance carriers with an A.M. Best rating of A- or better and with the following minimum limits: 

    (i)     General Liability Insurance with limits not less than $2 million per
occurrence with a $5 million umbrella 
     (ii)     Auto Liability Insurance
with limits not less than $1 million per occurrence; 
     (iii)    
Professional Errors and Omissions Insurance covering the activities of Supplier written on a “claims made” basis with limits not less than $5 million per claim; 

    (iv)     Crime Insurance covering the activities of Supplier written on a
“claims made” basis with limits not less than $2 million per claim; 

    (v)     Network Security/Privacy Liability (Cyber Liability) Insurance in the
amount of $5 million dollars per occurrence including but not limited to protection of private or confidential information whether electronic or non-electronic; network security and privacy liability;
protection against liability for systems attacks, denial or loss of service, introduction, implantation or spread of malicious software code; protection against liability for security breach, unauthorized access and use of data including regulatory
action expenses and notification and credit monitoring expenses. [Part of E&O Insurance for the Supplier] 

    (vi)     Worker’s Compensation Insurance with minimum limits as required by
state law in the applicable jurisdictions; 
     (vii)     Employer’s Liability
Insurance with limits not less than $1 million per injury; and 
     (viii)    
Such other insurance as the Company may reasonably require. 

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 (b) Supplier shall name Company, Company Affiliates, and Company’s and Company
Affiliates’ officers, directors, employees and agents as additional insureds on the General Liability and Auto Liability policies. Supplier agrees to require its insurers to waive all rights of subrogation. Supplier shall provide proof of
insurance to Company upon Company’s request. The amount and/or availability of Supplier’s insurance shall in no way limit or impact Supplier’s liability pursuant to this Agreement. 

13. Miscellaneous Provisions. 

(a) English. The governing version of this Agreement shall be the version signed by the parties in English. All records and
documentation to be maintained by Supplier under this Agreement and all deliverables and written materials to be provided by Supplier hereunder shall be in English or Supplier shall, at no additional cost to Company, promptly provide an English
translation at Company’s request. All Supplier personnel who will be responsible for directly communicating with Company shall be fluent in English. 

(b) Currency. Notwithstanding any provision to the contrary in the Agreement, unless expressly agreed otherwise by the parties in
writing, all amounts and payments shall be in United States Dollars. 
 (c) Company Records. Supplier shall maintain accurate records
of all amounts billable to, and payments made by, Company pursuant to this Agreement in accordance with generally accepted accounting principles. Supplier also shall retain all records and documentation of Supplier relating to Services, including
invoices, correspondence, contracts, and service logs, for a period of seven (7) years following the expiration or termination of the applicable SOW. Company shall have access to and the right to copy such records, upon prior written request to
Supplier, at all reasonable times during Supplier’s normal business hours during the period in which Supplier is required to maintain such records. Supplier further agrees to cooperate to the fullest extent possible with any request for records
or other information submitted by Company or on its behalf and relating to any request or order Company receives from any state or federal court, agency or administrator. 

(d) Non-solicitation. During the term of this Agreement and for one (1) year thereafter,
except as provided below, neither party will, and will ensure that their affiliates do not, directly or indirectly employ or hire, solicit or endeavor to entice away, employ or hire (or purport to do any of the same), any person who is then, or has
within the preceding year been, an employee or individual contractor of the other Party or of an Affiliate of the other Party and involved directly in the performance of any Statement of Work, except with the prior written consent of the other
Party. Such consent may be withheld in the other Party’s sole discretion. Notwithstanding the foregoing, neither Party shall be precluded from (i) hiring an employee of the other Party who independently approaches the Party, or
(ii) conducting general recruiting activities, such as participation in job fairs or publishing advertisements in publications or on Web sites for general circulation. 

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 (e) Independent Contractor. Supplier’s employees and agents are independent
contractors with respect to Company, and Supplier shall be solely responsible for their supervision, daily direction and control. Nothing in this Agreement shall be construed to create a partnership, 

joint venture, or agency relationship between the parties. Nothing in this Agreement shall be interpreted or construed as creating the relationship of employer
and employee between Company or its Affiliates and either Supplier or any employee or agent of Supplier. Each party shall be solely responsible for payment of all compensation owed to its employees and agents, and for all federal and state income
tax withholding, Social Security taxes, and unemployment insurance applicable to such personnel as employees of the applicable party. Each party shall bear sole responsibility for any health or disability insurance, retirement benefits, or other
welfare or pension benefits (if any) to which such party’s employees and agents may be entitled. Each party agrees to indemnify and hold harmless the other party, its Affiliates, and each of such other party’s or such other party’s
Affiliates’ directors, officers, employees and agents, against any claims that the indemnified party has failed to pay compensation or taxes or provide insurance or benefits for employees or agents of the indemnifying party. 

(f) Assignment/Subcontracting/Outsourcing. This Agreement and any SOW hereunder may not be assigned, subcontracted, or outsourced in
whole or in part without the prior written consent of the other party, except to (i) an Affiliate, or (ii) any successor to all or substantially all of the stock or assets of the assigning party via merger, acquisition or other similar
corporate transaction. Any other purported assignment, subcontracting or outsourcing without consent, shall be deemed null and void and of no effect. Supplier shall remain responsible for permitted assignees’, subcontractors’, and
outsourcers’ performance pursuant to this Agreement as if Supplier performed the Services itself and shall ensure that all such entities and their employees and agents are bound by and comply with the terms and conditions of this Agreement,
including without limitation, the Sections regarding intellectual property and nondisclosure. Any failure of the foregoing to comply with the relevant requirements of this Agreement shall be deemed a breach by Supplier. 

(g) Force Majeure. Except as set forth below, neither party shall be in default or otherwise liable for any delay in or failure of its
performance under this Agreement or any SOW to the extent such delay or failure arises by reason of any act of God, any governmental requirement or war; provided, that if Supplier is the party experiencing such failure, it shall have exhausted the
procedures described in its business continuity plan. A party claiming the benefit of this provision shall, as soon as reasonably practicable after the occurrence of any such event: (i) notify the other party of the nature and extent of any
such condition referred to in the preceding sentence, and (ii) use due diligence to remove any such causes and resume performance under this Agreement as soon as feasible. If a force majeure event causes a material failure or delay in the
performance of any Services for more than five (5) consecutive days, Company may, at its option, and in addition to any other rights Company may have, procure such Services from an alternate source until Supplier is again able to provide such
Services, and Supplier shall be liable for all payments made and costs incurred by Company required to obtain the Services from such alternate source during such period. Company shall not be required to pay for Services not delivered due to a force
majeure event. Company may terminate at its option the whole or any part of any SOW if such a situation continues for at least fifteen (15) days, and if Company elects a partial termination, the provisions of this Agreement related to SOW
termination shall apply to the part of the SOW terminated. Company may elect additional terminations, in whole or in part, for as long as the situation continues. 

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 (h) Entire Agreement. This Agreement and all attachments thereto (including without
limitation all SOWs referencing this Agreement) shall constitute the complete agreement between the parties and supersedes all previous agreements or representations, written or oral, with respect to the Services described herein. In particular, no
shrink-wrap, click-wrap, privacy policies or other terms and conditions or agreements (“Additional Terms”) provided with any products, services, documentation, or software hereunder, including any updates thereto, shall be binding
on Company, even if use of such items requires an affirmative “acceptance” of those Additional Terms before access is permitted. All such Additional Terms shall be of no force or effect and shall be deemed rejected by Company in their
entirety. This Agreement may be executed in multiple originally signed versions which together shall constitute one agreement. A facsimile signature shall have the same force and effect as an original signature. This Agreement may not be modified or
amended except in a SOW or other writing signed by the parties. 
 (i) Survival. The provisions of this Agreement or any SOW which
give the parties rights beyond the termination or expiration of this Agreement or such SOW shall survive such termination or expiration, including without limitation, the sections titled Term and Termination, Nondisclosure,
Intellectual Property, Limitations on Liability, Indemnification, Fees, Dispute Resolution, and Miscellaneous. 

(j) Invalidity. If any provision of this Agreement is held to be invalid or unenforceable, such invalidity or unenforceability shall
not invalidate this Agreement as a whole, but this Agreement shall be construed as though it did not contain the particular provision or provisions held to be invalid or unenforceable. 

(k) Waiver. No waiver shall be deemed to be made by any party of any of its rights hereunder unless the same shall be in a writing
signed by the waiving party, and any waiver shall be a waiver only with respect to the specific instance involved and shall in no way impair the rights or the obligations of any party in any other respect at any other time. 

(l) Headings. Section headings herein are for reference purposes only and shall not affect in any way the meaning or interpretation of
this Agreement.  
 (m) Notices. All notices, including notices of address change, required to be sent hereunder shall be in
writing and shall be deemed to have been given when mailed by overnight delivery, when faxed with confirmation of transmission or when delivered by hand (i) if to Company, the Company Project Manager at the address in the relevant SOW, with a
copy to: General Counsel, at 1655 Grant Street, 10th Floor, Concord, CA 94520, facsimile 866-737-5055, or
(ii) if to Supplier, to the Supplier Project Manager at the address in the relevant SOW, with a copy to Yelena Kharisova, at Incedo Inc., 2350 Mission College Blvd, Suite# 246, Santa Clara, CA 95054. 

 AssetMark Statement of Work 

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 Exhibit A 

SOW Form 
 This Statement of Work No. __
forms a part of and is subject to that certain Master Services Agreement by and between [Supplier full legal name] (“Supplier”) and [AssetMark Entity full legal name] (“Company”) dated as of __________, 20__ (the
“Agreement”). This document constitutes a SOW as defined in the Agreement. Capitalized terms not otherwise defined herein shall have the meaning assigned in the Agreement. The commencement date of this SOW shall be _______________, 20__
(“Commencement Date”). 
 [Insert this sentence if AssetMark party to the SOW is not the same as the AssetMark party to the MSA.] [SOW
contracting AssetMark entity—full legal name], a _______________________ corporation, is the Company Affiliate executing this SOW. 
 This
SOW shall have a term of __________, [with automatic renewals for successive __________ terms, unless Company provides Supplier written notice of non-renewal at least sixty (60) days prior to the end of
the then-current term.] 
 Company Project Manager: 

Name: 
 Address: 

Telephone: 
 Fax: 

Supplier Project Manager: 
 Name: 

Address: 
 Telephone: 

Fax: 
 Description of the Services: [Provide clear,
objective description of the services and deliverables. Include/attach requirements or specifications, if applicable. Include service levels, if applicable.] 

Duration of Services with beginning and end dates and project milestone dates, if applicable: 

Acceptance Criteria and Process: [Describe any additional warranties, acceptance criteria, process for submitting deliverables, timeframe for
identifying defects, and Supplier obligations to cure defects] 

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 IN WITNESS WHEREOF, the parties hereto have entered into this Agreement as of the
Effective Date. 
  

			
	Incedo, Inc.

 
			
		
	By:	 	/s/ Rena Nigam

 
			
	Print Name: Rena Nigam
	Title: President
	Date: August 1, 2017

  

			
	ASSETMARK, INC.

 
			
		
	By:	 	/s/ Mukesh Mehta

 
			
	 Print Name: Mukesh Mehta

	Title: CIO
	Date: 8/1/ 2017

 AssetMark Statement of Work 

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 Fees: [Specify fee and whether a fixed fee or based upon time and materials. If based upon time and
materials, include rate schedule and a not-to-exceed price. Specify if AssetMark entity is to pay Supplier’s travel or other expenses.] 

Company responsibilities: [Specify any project specific responsibilities of Company. Insert any third party licenses or other agreements Company
must obtain to use the Services. If none, delete this section.] 
  

									
	[Company Affiliate:]	 		 	 [Supplier:]

					
	Signature:	 	   
	 		 	Signature:	 	   

					
	Name:	 	   
	 		 	Name:	 	   

					
	Title:	 	   
	 		 	Title:	 	   

					
	Date:	 	   
	 		 	Date:	 	   

 AssetMark Exhibits 

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 Exhibit B 

AssetMark ODC Controls and Security Policy, June 5, 2017 

(incorporated by reference) 
 Exhibit C

 Standards of Business Conduct For Suppliers and Contingent Workers, effective 03262014 

(incorporated by reference)

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