5FOBOUT JO $PNNPO ☐ :FT ☐

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Investment and Insurance Products Are:• Not Insured By The FDIC• Not Insured By Any Federal Government Agency• Not A Deposit Or Other Obligation Of, Or Guaranteed By, The Bank• Subject To Investment Risks, Including Possible Loss Of The Principal Amount Invested

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Required Customer Identification

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain,verify and record information

that identifies each person who opens an account. What this means for you: When you apply for or open an account, we will ask for your name, address, date of birth and

other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Customer Service: 1-800-248-3919 2 of 16 Account Holder Information - PrimaryCONFIDENTIAL 1 0424

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(if applicable)

When you provide your email address, we may use it to send you important information about your application and account(s), as well as other useful products and services

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When you provide your email address, we may use it to send you important information about your application and account(s), as well as other useful products and services

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10. Unclaimed or Abandoned Brokerage Account. If COFI is unsuccessful in their attempts to locate me, my Brokerage Account will be presumedto be abandoned or unclaimed and will be serviced solely by Pershing. If I contact Pershing, they will notify COFI and actions will be taken to have my Brokerage Account revert back to COFI for servicing. If I am unable to be located, Pershing will remit the assets from the Brokerage Account to the appropriate state as specified by state law.

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Investment and Insurance Products Are:

Banking and lending products and services are offered by Capital One, N.A. and Captial One Bank (USA), N.A., Members FDIC.

All are subsidiaries of Capital One Financial Corporation.© 2018 Capital One. Capital One and Sharebuilder are federally registered service marks. All third-party trademarks are the property of their respective owners.

• Not Insured By The FDIC• Not Insured By Any Federal Government Agency• Not A Deposit Or Other Obligation Of, Or Guaranteed By, The Bank• Subject To Investment Risks, Including Possible Loss Of The Principal Amount Invested

Investment products are offered by Capital One Investing, LLC, a registered broker-dealer and Member FINRA/SIPC. Investment advisory services are provided by Capital One Advisors, LLC, an SEC-registered investment advisor. Insurance products are offered through Capital One Agency, LLC.

(Cont’d)

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CONSENT TO ASSIGN ADVISORY AGREEMENT AND ACCOUNT TO WOODBURY FINANCIAL SERVICES, INC.

Important information regarding your advisory account(s) with Capital One Advisors, LLC As you may already know, on February 17, 2018, Capital One Advisors, LLC (“Capital One Advisors”) entered into an agreement to transfer certain of our advisory accounts and investment adviser representatives (“Transaction”) to Woodbury Financial Services, Inc. (“Woodbury”). The account you are now opening will be transferred to Woodbury as part of that Transaction. After the Transaction, the terms of your investment advisory agreement with Woodbury will not change and your fees charged by Woodbury will remain the same. We expect the closing date for this Transaction to be on or around July 13, 2018, subject to any required regulatory approvals and closing conditions.

About Woodbury Woodbury is a SEC registered broker-dealer and FINRA member firm and SEC registered investment adviser, and has been so registered since 1997. Please see the Woodbury Form ADV Part 2A at http://www.advisorgroupevents.com/2018/WFSADV2A.

Underlying Brokerage Account and Cash Sweep Accounts As you are aware, part of your advisory relationship includes the underlying brokerage agreement that you have with Capital One Investing, LLC (“Capital One Investing”) associated with your investment advisory account.

Pursuant to the terms of your agreement with us, if you have a cash sweep account, the funds in your sweep account will be liquidated and converted to a cash position shortly before the Transaction and prior to being transferred to Woodbury. You will be eligible to participate in the cash sweep programs offered to Woodbury’s customers. Set forth below is a description of, and resources related to, re-investing your cash sweep account funds at Woodbury:

• If you currently invest in the Capital One FDIC Insured Deposits or one of the money market mutual funds available through Capital One Investing, your funds will be deposited in the Woodbury FDIC Insured Deposit Program;

• If you have an account governed by ERISA (such as certain types of retirementaccounts), your sweep account funds will be transferred to the FederatedGovernment Reserve Fund. Please review the Federated Government ReserveFund prospectus, which is available at:http://www.federatedinvestors.com/FII/daf/pdf/regulatory/prospectus/31534.pdf?title=Government%20Reserves%20Fund%20.

Please review the enclosed comparison table on the expiring cash sweep options available from Capital One Investing and the cash sweep options you will be transferring to at Woodbury.

Retirement Accounts If you maintain a Traditional or Roth Individual Retirement Account (“IRA”) at Capital One Advisors and/or Capital One Investing, Pershing LLC will continue to serve as the custodian to your IRA pursuant to the terms of your Custodial Account Agreement. At the conversion date, Woodbury will replace Capital One Investing as the Financial Organization associated with your Custodial Account Agreement.

Questions/Further Information Capital One Advisors will continue to provide advisory services in accordance with the terms of your client agreement (“Agreement”) up until the Transaction. When completed, the Transaction would cause an “assignment” of your Agreement under the Investment Advisers Act of 1940. We have been informed by Woodbury that, after the Transaction, the terms of your investment advisory agreement will not change as a result of the assignment of the Agreement to Woodbury, nor will the nature of the advice provided or the methods of analysis used by Woodbury, and your fees charged by Woodbury will remain the same. You will have an individual financial advisor assigned to your account at Woodbury. Your underlying brokerage account will be transferred to Woodbury, and there will be no changes to the material terms of your underlying brokerage agreement as a result of the Transaction. For more information about Woodbury, including its privacy notice and brokerage account fee schedule, please refer to: https://www.joinwoodbury.com/disclosures/

We appreciate your business and look forward to continuing to help you pursue your financial goals. If you have any questions about the assignment information, please contact your financial advisor or the National Advice Center at (844) 715-6006.

Please call (844) 715-6006 if you would like paper copies of any of the material referenced herein.

Investment products are offered by Capital One Investing, LLC, a registered broker-dealer and Member FINRA/SIPC. Investment advisory services are provided by Capital One Advisors, LLC, an SEC-registered investment advisor. All are subsidiaries of Capital One Financial Corporation.

© 2018 Capital One. Capital One is a federally registered service mark. All third-party trademarks are the property of their respective owners.

Securities, advisory and insurance services are offered through Woodbury Financial Services, Inc., member FINRA/SIPC.

Capital One and Woodbury Financial are separate and non-affiliated companies.

CLIENT APPROVAL OF ASSIGNMENT TO WOODBURY FINANCIAL SERVICES, INC.: By signing below, you are indicating your approval to the assignment of your investment advisory contract with Capital One Advisors, LLC and the transfer of your Capital One Investing, LLC brokerage account to Woodbury Financial Services, Inc.

Signature: _______________________________

Name: ___________________________________

Date: ___________________________________

Cash Sweep Program - Comparison Table

An investment in money market funds is neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although money market funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in these funds. All expenses for money market funds were pulled from funds most recent summary prospectus. 1. “Other Exp.”, which can include Acquired Fund Fees and Expenses, have been restated to reflect current fees and expenses. 2. The amount shown under "Total Exp. After Waivers Net" may include fee waivers by the management company offering the fund. The waivers may be contractually stipulated in the fund's prospectus, or may be voluntary and disclosed in the prospectus or on the firm's website. The fee waivers are subject to change and may be revoked by the management companies in the future.

New Default Sweeps: FDIC Insured Deposit Program & Federated Government Reserve Fund Under the FDIC Insured Deposit Program, available cash-balances in your brokerage account(s) will automatically be deposited into interest‐bearing FDIC insured deposit accounts at one or more participating program banks. Your cash-balances held in this Program will be eligible for deposit insurance by the Federal Deposit Insurance Corporation (“FDIC”), up to a total of $250,000 in principal and interest per depositor by category of legal ownership at each participating bank for a total of $2,500,000 of FDIC coverage on program deposit balances. Funds are not eligible for SIPC protection. The Federated Government Reserve Fund will be used as the default sweep fund for ERISA Title 1 and 403(b)(7) account types only.

Expiring Sweep Options: Money Market Mutual Funds Fund Name Investment Objective Current 7-

Day Yield (as of 5/1/18)

Mgt Fee

12b-1 Fee

Other Exp.1

Voluntary Fee Waivers and/or Expense Reimbursements

Total Annual Fund Operating Expenses After Waivers2

Federated Capital Reserves (FRFXX)

The investment seeks to provide current income consistent with stability of principal and liquidity.

1.10% 0.20% 0.55% 0.49% (0.22)% 1.02%

Federated NY Muni Cash Series (FNCXX)

The investment seeks current income exempt from federal regular income tax and the personal income taxes imposed by New York State and New York municipalities consistent with stability of principal.

0.70% 0.30% 0.60% 0.51% (0.39)% 1.02%

Federated Govt Oblig Capital (GOCXX)

The investment seeks to provide current income consistent with stability of principal.

1.45% 0.20% 0.00% 0.33% (0.23)% 0.30%

Federated Govt Oblig Service (GOSXX)


1.34% 0.20% 0.00% 0.37% (0.12)% 0.45%

Federated Govt Obl Tax-Mngd Svc (GTSXX)

The investment seeks to provide current income consistent with stability of principle and liquidity.

1.27% 0.20% 0.00% 0.34% (0.09)% 0.45%

Federated Muni Oblig Service (MOSXX)

The investment seeks to provide current income exempt from all federal regular income tax consistent with stability of principal.

1.33% 0.20% 0.00% 0.37% (0.11)% 0.46%

Federated NY Muni Cash Wealth (NISXX)

The investment seeks to provide current income exempt from federal regular income tax & the personal income taxes imposed by New York State & New York municipalities consistent with stability of principal.

1.39% 0.30% 0.00% 0.26% (0.24)% 0.32%

Federated Prime Cash Oblig Cap (PCCXX)


1.72% 0.20% 0.00% 0.40% (0.30)% 0.30%

Federated Prime Cash Oblig Svc (PRCXX)


1.57% 0.20% 0.00% 0.40% (0.15)% 0.45%

Federated Government Reserve Fund (GRFXX)


0.73% 0.20% 0.55% 0.45% (0.18)% 1.02%

Product Name Objective Current Interest Rate (as of 5/1/18)

Total Expense Eligible Account Types

FDIC Insured Deposit Program

This program seeks to deposit funds into omnibus money market deposit accounts (MMDA) at program banks in a manner designed to provide you with up to $2.5 million of FDIC insurance per depositor and up to $5 million per joint depositors (subject to limitations).

0.3911% See Sweep Program Terms & Conditions document

All retail brokerage and investment advisory accounts. Also includes all Pershing, LLC IRA accounts.

Fund Name Objective Current 7-Day Yield (as of 5/1/18)

Mgt Fee

12b-1 Fee

Other Exp.1

Voluntary Fee Waivers and/or Expense Reimburse-ments


Eligible Account Types



0.73% 0.20% 0.55% 0.45% (0.18)% 1.02% ERISA Title 1 account types and 403(b)(7) accounts - See Sweep Program Terms & Conditions

of 2

An investment in money market funds is neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although money market funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in these funds. All expenses for money market funds were pulled from funds most recent summary prospectus. 1. “Other Exp.”, which can include Acquired Fund Fees and Expenses, have been restated to reflect current fees and expenses. 2. The amount shown under "Total Annual Fund Operating Expenses After Waivers" may include fee waivers by the management company offering the fund. The waivers may be contractually stipulated in the fund's prospectus, or may be voluntary and disclosed in the prospectus or on the firm's website. The fee waivers are subject to change and may be revoked by the management companies in the future.

Fund Name Investment Objective Current 7-Day Yield (as of 5/1/18)

Mgt Fee

12b-1 Fee

Other Exp.1



Federated Tax-Free Obl Service (TBSXX)

The investment seeks to provide dividend income exempt from federal regular income tax consistent with stability of principal.

1.27% 0.20% 0.00% 0.35% (0.09)% 0.46%

Federated Treas Oblig Service (TOSXX)

The Fund’s investment objective is to provide current income consistent with stability of principal.

1.31% 0.20% 0.00% 0.34% (0.09)% 0.45%

Federated Trst for Treas Obl II (TTIXX)

The investment seeks to provide stability of principal and current income consistent with stability of principal.

0.83% 0.20% 0.35% 0.48% (0.13)% 0.90%

Federated US Treasury Instl SH (UTIXX)

The investment seeks to achieve current income consistent with stability of principal and liquidity.

1.54% 0.20% 0.00% 0.09% (0.08)% 0.21%

Federated US Treasury Service (TISXX)


1.28% 0.20% 0.00% 0.33% (0.07)% 0.46%

Federated Govt Obligs Cash II (GFYXX)


0.91% 0.20% 0.35% 0.43% (0.13)% 0.85%

Federated Muni Oblig Cash Srs (MFSXX)


0.77% 0.20% 0.60% 0.47% (0.25)% 1.02%

Federated Prime Cash Oblig Csh II (PCDXX)


1.13% 0.20% 0.35% 0.50% (0.15)% 0.90%

Expiring Sweep Options: FDIC Insured Bank Deposit Program


Total Expense

Capital One FDIC Insured Deposits (CPID)

This program seeks to deposit funds into Capital One, N.A. in a manner designed to provide you with $250,000 of FDIC insurance per depositor and $500,000 per joint depositors (subject to limitations).

0.01% See Disclosure of Terms & Conditions document

CONSENT TO TRANSFER BROKERAGE ACCOUNT TO WOODBURY FINANCIAL SERVICES, INC.

Important information regarding your brokerage account(s) with Capital One Investing, LLC As you may already know, on February 17, 2018, Capital One Investing, LLC (“Capital One Investing”) entered into an agreement to transfer certain of our brokerage accounts (“Transaction”) to Woodbury Financial Services, Inc. (“Woodbury”), including the account you are now opening. We expect the closing date for this Transaction to be on or around July 13, 2018, subject to any required regulatory approvals and closing conditions (“Conversion Date”).

About Woodbury Woodbury is a SEC registered broker-dealer and FINRA member firm and SEC registered investment adviser, and has been so registered since 1997.

What this Means for You If you consent, as a result of this Transaction: • Your account(s) will be transferred to Woodbury;• Woodbury will be responsible for servicing your account(s); and• Your Financial Advisor, or a newly identified Financial Advisor, will provide you

with securities brokerage services.

For more information about Woodbury, including its privacy notice and brokerage account fee schedule, please refer to: https://www.joinwoodbury.com/disclosures/.

Cash Sweep Accounts Pursuant to the terms of your agreement with us, if you have a cash sweep account, the funds in your sweep account will be liquidated and converted to a cash position shortly before the Transaction and prior to being transferred to Woodbury. You will be eligible to participate in the cash sweep programs offered to Woodbury’s customers. Set forth below is a description of, and resources related to, re-investing your cash sweep account funds at Woodbury:

• If you currently invest in the Capital One FDIC Insured Deposits or one of the money market mutual funds available through Capital One Investing, your funds will be deposited in the Woodbury FDIC Insured Deposit Program;

• If you have an account governed by ERISA (such as certain types of retirement accounts), your sweep account funds will be transferred to the Federated Government Reserve Fund. Please review the Federated Government Reserve Fund prospectus, which is available at:[http://www.federatedinvestors.com/FII/daf/pdf/regulatory/prospectus/31534 .pdf?title=Government%20Reserves%20Fund%20].

Please review the comparison table on the expiring cash sweep options available from Capital One Investing and the cash sweep options you will be transferring to at Woodbury that is enclosed herewith.

For more information about Woodbury’s cash sweep options, please see the “Woodbury Sweep Program Terms and Conditions” which is available here: http://www.advisorgroupevents.com/2018/SweepTandC.pdf.

Please note that your sweep options may be changed in the future, including changes between money market funds and bank deposit products, with prior notification to you.

CLIENT APPROVAL OF BROKERAGE ACCOUNT TRANSFER TO WOODBURY FINANCIAL SERVICES, INC.: By signing below, you are indicating your approval of the transfer of your brokerage account with Capital One Investing to Woodbury. You understand that all assets in your account will be transferred to Woodbury as introducing broker, and Pershing LLC will remain as clearing broker, without penalties, on the Conversion Date. Unless otherwise indicated, you authorize Capital One Investing to liquidate any cash sweep funds or bank deposit assets that are part of your account and transfer the resulting credit balance to your Woodbury account as described above. You authorize Capital One Investing to deduct any outstanding fees due from the credit balance in your account. If your account does not contain a credit balance, or if the credit balance in the account is insufficient to satisfy any outstanding fees due to Capital One Investing, you authorize Capital One Investing to liquidate the assets in your account to the extent necessary to satisfy the obligation. If certificates or other instruments in your account are in physical form you instruct them to be transferred in good deliverable form, including affixing any necessary tax waivers, to enable the successor custodian to transfer them into its name for the purpose of the sale, when and as directed, by you. You understand that upon receiving a copy of this transfer information, open orders in your account will be canceled. You understand that you do have the option to transfer your account to another broker dealer via ACAT, and if you chose to transfer to another broker-dealer you will complete the appropriate account transfer paperwork and be charged any applicable fee. In

Investment products are offered by Capital One Investing, LLC, a registered broker-dealer and Member FINRA/SIPC. Investment advisory services are provided by Capital One Advisors, LLC, an SEC-registered investment advisor. All are subsidiaries of Capital One Financial Corporation. © 2018 Capital One. Capital One is a federally registered service mark. All third-party trademarks are the property of their respective owners. Securities, advisory and insurance services are offered through Woodbury Financial Services, Inc., member FINRA/SIPC. Capital One and Woodbury Financial are separate and non-affiliated companies.

addition, you affirm that you have or will destroy or return credit/debit cards and/or unused checks issued to you in connection with your brokerage account, if any. You understand that you may be contacted with respect to the disposition of any assets in your brokerage account that are nontransferable.

*************

o I agree to transfer my entire securities account(s) to Woodbury Financial Services,

Inc., as introducing broker, and Pershing LLC, as clearing broker on the Conversion Date.

Signature: _______________________________ Name: ___________________________________ Date: ___________________________________

Cash Sweep Program - Comparison Table

An investment in money market funds is neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although money market funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in these funds. All expenses for money market funds were pulled from funds most recent summary prospectus. 1. “Other Exp.”, which can include Acquired Fund Fees and Expenses, have been restated to reflect current fees and expenses. 2. The amount shown under "Total Exp. After Waivers Net" may include fee waivers by the management company offering the fund. The waivers may be contractually stipulated in the fund's prospectus, or may be voluntary and disclosed in the prospectus or on the firm's website. The fee waivers are subject to change and may be revoked by the management companies in the future.

New Default Sweeps: FDIC Insured Deposit Program & Federated Government Reserve Fund Under the FDIC Insured Deposit Program, available cash-balances in your brokerage account(s) will automatically be deposited into interest‐bearing FDIC insured deposit accounts at one or more participating program banks. Your cash-balances held in this Program will be eligible for deposit insurance by the Federal Deposit Insurance Corporation (“FDIC”), up to a total of $250,000 in principal and interest per depositor by category of legal ownership at each participating bank for a total of $2,500,000 of FDIC coverage on program deposit balances. Funds are not eligible for SIPC protection. The Federated Government Reserve Fund will be used as the default sweep fund for ERISA Title 1 and 403(b)(7) account types only.

Expiring Sweep Options: Money Market Mutual Funds Fund Name Investment Objective Current 7-

Day Yield (as of 5/1/18)

Mgt Fee

12b-1 Fee

Other Exp.1



Federated Capital Reserves (FRFXX)


1.10% 0.20% 0.55% 0.49% (0.22)% 1.02%

Federated NY Muni Cash Series (FNCXX)

The investment seeks current income exempt from federal regular income tax and the personal income taxes imposed by New York State and New York municipalities consistent with stability of principal.

0.70% 0.30% 0.60% 0.51% (0.39)% 1.02%

Federated Govt Oblig Capital (GOCXX)


1.45% 0.20% 0.00% 0.33% (0.23)% 0.30%

Federated Govt Oblig Service (GOSXX)


1.34% 0.20% 0.00% 0.37% (0.12)% 0.45%

Federated Govt Obl Tax-Mngd Svc (GTSXX)

The investment seeks to provide current income consistent with stability of principle and liquidity.

1.27% 0.20% 0.00% 0.34% (0.09)% 0.45%

Federated Muni Oblig Service (MOSXX)


1.33% 0.20% 0.00% 0.37% (0.11)% 0.46%

Federated NY Muni Cash Wealth (NISXX)

The investment seeks to provide current income exempt from federal regular income tax & the personal income taxes imposed by New York State & New York municipalities consistent with stability of principal.

1.39% 0.30% 0.00% 0.26% (0.24)% 0.32%

Federated Prime Cash Oblig Cap (PCCXX)


1.72% 0.20% 0.00% 0.40% (0.30)% 0.30%

Federated Prime Cash Oblig Svc (PRCXX)


1.57% 0.20% 0.00% 0.40% (0.15)% 0.45%



0.73% 0.20% 0.55% 0.45% (0.18)% 1.02%


Total Expense Eligible Account Types

FDIC Insured Deposit Program

This program seeks to deposit funds into omnibus money market deposit accounts (MMDA) at program banks in a manner designed to provide you with up to $2.5 million of FDIC insurance per depositor and up to $5 million per joint depositors (subject to limitations).

0.3911% See Sweep Program Terms & Conditions document

All retail brokerage and investment advisory accounts. Also includes all Pershing, LLC IRA accounts.

Fund Name Objective Current 7-Day Yield (as of 5/1/18)

Mgt Fee

12b-1 Fee

Other Exp.1

Voluntary Fee Waivers and/or Expense Reimburse-ments


Eligible Account Types



0.73% 0.20% 0.55% 0.45% (0.18)% 1.02% ERISA Title 1 account types and 403(b)(7) accounts - See Sweep Program Terms & Conditions

of 2

An investment in money market funds is neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although money market funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in these funds. All expenses for money market funds were pulled from funds most recent summary prospectus. 1. “Other Exp.”, which can include Acquired Fund Fees and Expenses, have been restated to reflect current fees and expenses. 2. The amount shown under "Total Annual Fund Operating Expenses After Waivers" may include fee waivers by the management company offering the fund. The waivers may be contractually stipulated in the fund's prospectus, or may be voluntary and disclosed in the prospectus or on the firm's website. The fee waivers are subject to change and may be revoked by the management companies in the future.

Fund Name Investment Objective Current 7-Day Yield (as of 5/1/18)

Mgt Fee

12b-1 Fee

Other Exp.1



Federated Tax-Free Obl Service (TBSXX)

The investment seeks to provide dividend income exempt from federal regular income tax consistent with stability of principal.

1.27% 0.20% 0.00% 0.35% (0.09)% 0.46%

Federated Treas Oblig Service (TOSXX)

The Fund’s investment objective is to provide current income consistent with stability of principal.

1.31% 0.20% 0.00% 0.34% (0.09)% 0.45%

Federated Trst for Treas Obl II (TTIXX)

The investment seeks to provide stability of principal and current income consistent with stability of principal.

0.83% 0.20% 0.35% 0.48% (0.13)% 0.90%

Federated US Treasury Instl SH (UTIXX)


1.54% 0.20% 0.00% 0.09% (0.08)% 0.21%

Federated US Treasury Service (TISXX)


1.28% 0.20% 0.00% 0.33% (0.07)% 0.46%

Federated Govt Obligs Cash II (GFYXX)


0.91% 0.20% 0.35% 0.43% (0.13)% 0.85%

Federated Muni Oblig Cash Srs (MFSXX)


0.77% 0.20% 0.60% 0.47% (0.25)% 1.02%

Federated Prime Cash Oblig Csh II (PCDXX)


1.13% 0.20% 0.35% 0.50% (0.15)% 0.90%

Expiring Sweep Options: FDIC Insured Bank Deposit Program


Total Expense

Capital One FDIC Insured Deposits (CPID)

This program seeks to deposit funds into Capital One, N.A. in a manner designed to provide you with $250,000 of FDIC insurance per depositor and $500,000 per joint depositors (subject to limitations).

0.01% See Disclosure of Terms & Conditions document

CONSENT TO TRANSFER MUTUAL FUND, ANNUITY OR LIFE INSURANCE ACCOUNT TO WOODBURY FINANCIAL SERVICES, INC.

Important information regarding your mutual fund, annuity and/or life insurance account(s) with Capital One Investing and/or Capital One Agency As you may already know, on February 17, 2018, Capital One Investing, LLC (“Capital One Investing”) (mutual funds and/or variable annuities) and Capital One Agency, LLC (“Capital One Agency”) (fixed annuities and/or life insurance) entered into an agreement to transfer certain of our mutual fund, annuity and life insurance accounts (“Transaction”) to Woodbury Financial Services, Inc. (“Woodbury”), including the account(s) you are now opening. We expect the closing date for this transaction to be on or around July 13, 2018, subject to any required regulatory approvals and closing conditions (“Transfer Date”).

About Woodbury Woodbury is a SEC registered broker-dealer and FINRA member firm and SEC registered investment adviser, and has been so registered since 1997. For more information about Woodbury, including its privacy notice, please refer to: https://www.joinwoodbury.com/disclosures/

What this Means for You If you consent, as a result of this transaction: • You will continue to conduct business just as you do now, except that your

account(s) will be transitioned to Woodbury’s securities and insurance brokerageplatform;

• Your account(s) will be updated to reflect Woodbury as the broker-dealer ofrecord or insurance agency of record, as applicable, for your investments helddirectly through a mutual fund transfer agent or at an insurance company;

• Your investments will continue to be held directly by the insurance company(ies)or through a mutual fund transfer agent(s) and you will continue to receivetransaction confirmations and account statements from them;

• There will be no change to your mutual fund holdings and/or annuity or lifeinsurance contracts; and

Investment products are offered by Capital One Investing, LLC, a registered broker-dealer and Member FINRA/SIPC. Investment advisory services are provided by Capital One Advisors, LLC, an SEC-registered investment advisor. All are subsidiaries of Capital One Financial Corporation.

© 2018 Capital One. Capital One is a federally registered service mark. All third-party trademarks are the property of their respective owners.

Securities, advisory and insurance services are offered through Woodbury Financial Services, Inc., member FINRA/SIPC.

Capital One and Woodbury Financial are separate and non-affiliated companies.

• Your Financial Advisor, or a newly identified Financial Advisor, will provide youwith insurance or securities brokerage services on you accounts.

Questions/Further Information Please call (844) 715-6006 if you would like paper copies of any of the material referenced herein. We appreciate your business and look forward to continuing to help you pursue your financial goals. In the meantime, if you have any questions about the consent process, please contact your financial advisor or the National Advice Center at (844) 715-6006 or you can discuss with the Financial Advisor assisting you with your account.

CUSTOMER APPROVAL OF ACCOUNT TRANSFER TO WOODBURY FINANCIAL SERVICES, INC.: By signing below, you are indicating your approval to the transfer of your mutual fund, annuity or life insurance account from Capital One Investing (mutual funds, variable annuities) or Capital One Agency (fixed annuities, life insurance) to Woodbury.

Signature: _______________________________

Name: ___________________________________

Date: ___________________________________

5FOBOUT JO $PNNPO ☐ :FT ☐

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