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Beginning with the Effective Date, the Revenue will be credited monthly by multiplying each fund's Revenue rate by average daily balance of the fund's total Participant account balances, excluding loan balances, during the period. This Revenue will be credited to the Plan Account to be used for Plan purposes as set forth in the Plan document and as instructed by Plan Sponsor, including payment of the fee. These assets will be invested in a single investment option as specified by Plan Sponsor. In the event Revenue already credited to the Plan Account becomes uncollectible from a fund company, Plan Sponsor hereby instructs Great -West to collect from the Plan Account the difference between the amount accrued and the amount collected. B. Loan Fees Great -West shall assess the following loan fees: a) a one -time, $50.00 loan origination fee that will be deducted from the amount of each loan processed b) a one -time, $25.00 Plan Sponsor - assessed administration fee that will be deducted from the amount of each loan processed and paid quarterly to Plan Sponsor c) a $25.00 annual maintenance fee per loan that will be deducted from the Participant's account in the amount of $6.25 per quarter. C. Authorized Investment Option Administration Fees If Plan Sponsor utilizes more than 32 Authorized Investment Options at any one time or requests an investment option that is materially different from the types of investment options currently in use, Great - West reserves the right to modify the fees and services in this Agreement. For purposes of this paragraph, a series of target date or similar funds will count as a single Authorized Investment Option. D. Bank Credit Disclosure Great -West or one of its affiliates may earn credits and /or interest on Plan assets awaiting investment or pending distribution. Any credits or interest earned by Great -West are aggregated with credits and /or interest earned by Great -West affiliates and will be used to defray the aggregate expenses for the maintenance of bank accounts. Great -West will not retain credits and /or interest earned in excess of such maintenance expenses, but any such excess will be retained by the bank. Credits and /or interest are earned from the use of (i) uninvested contributions received too late in the day or not received in good order to be invested same -day and (ii) proceeds from investment option redemptions where Plan distribution checks have not been presented for payment by Participants. Credits and /or interest (i) begin to accrue on contributions on the date such amounts are deposited into the bank account and end on the date such amounts are invested pursuant to Participant instructions, and (ii) begin to accrue on distributions on the date the check is written or on the wire date, as applicable, and end on the date the check is presented for payment or when the wire clears against the account, as applicable. Earnings of credits and /or interest are at the rate the bank provides from time to time. E. Plan -Level Disclosure Services Great -West shall provide required fee and other disclosures under 29 CFR §2550.408b -2, the "General Statutory Exemption for Services or Office Space," electronically via the PSC or such other electronic means as may be agreed to by the parties from time to time. Plan Sponsor agrees to ensure that there is at all times a person that is able and authorized to access the disclosures on Plan Sponsor's behalf. F. Miscellaneous Fee Provisions 1. If Plan Sponsor selects a custodian or trustee that requires changes to any procedures or services in this Agreement, Great -West reserves the right to change fees in this Section. 2. Should a Participant request an overnight delivery, Great -West will assess the Participant its then - current overnight delivery fee, which is $25 as of the Effective Date but is subject to change at the discretion of Great -West. City of Santa Ana Services Agreement 4 -16 -14 (one -year term) Page 16