Brokerage account and custodial fees

Ameriprise Financial clients can benefit from a full range of financial products and services designed to meet your needs. If you choose to implement your financial plan with Ameriprise Financial, any brokerage account and custodial fees are charged based on the products and services you purchase.

You may be eligible to be part of the Ameriprise Achiever Circle program offering exclusive benefits including reduced or waived fees noted below.

Please note: all fees are subject to change. Other fees may apply.

Account maintenance and custodial fees*

Fee amount Fee may be waived if one or more of the following conditions is met
Ameriprise® Brokerage Account2
$50 per year ($12.50 per quarter) An account holder is recognized as an Ameriprise Achiever Circle Elite1 member
  The account is open less than three months
  The account holds only alternative investments and there is a managed account in the same ownership
  The household group has paid $200 in brokerage account maintenance and/or custodial fees for the calendar year
  The taxpayer on the account in an Ameriprise employee, advisor, franchisee or employee of a franchise advisor
Ameriprise® Brokerage 529 Plan Account
$25 per year An account holder is recognized as an Ameriprise Achiever Circle Elite1 member
  The household group has paid $200 in brokerage account maintenance and/or custodial fees for the calendar year
  The taxpayer on the account in an Ameriprise employee, advisor, franchisee or employee of a franchise advisor
Ameriprise® Brokerage Investment Only Account
$50 per year ($12.50 per quarter) The account holds only alternative investments and there is a managed account in the same ownership
  The account is open less than three months
  The account contains only a managed account, annuity or Ameriprise Certificate
Ameriprise® Coverdell Education Savings Account (CESA)
$10 per year An account holder is recognized as an Ameriprise Achiever Circle Elite1 member
  The account is recognized as a grandfathered lifetime custodial fee-waived plan
Ameriprise® Tax-Sheltered Custodial Account (TSCA)
$19 per year An account holder is recognized as an Ameriprise Achiever Circle Elite1 member
Ameriprise® Custodial 401(a) Plan Account3
$50 per year Fee may be waived if only invested through a managed account, annuity or Ameriprise Certificate
Ameriprise® Individual Retirement Account (IRA)
$50 per year An account holder is recognized as an Ameriprise Achiever Circle Elite1 member
  The IRA is invested through only a managed account, annuity or Ameriprise certificate
  The IRA plan is recognized as a grandfathered lifetime custodial fee-waived plan
  The account holds only alternative investments and there is a managed account in the same ownership.
  The household group has paid $200 in brokerage account maintenance and/or custodial fees for the calendar year
Ameriprise ONE® Financial Account1
$80 per year ($20 per quarter) An account holder is recognized as an Ameriprise Achiever Circle Elite1 member
  The account has direct deposit of $9,000 within the preceding quarter
  The account is open less than three months
  The account holds only alternative investments and there is a managed account in the same ownership
  The household group has paid $200 in brokerage account maintenance and/or custodial fees for the calendar year
  The taxpayer on the account is an Ameriprise employee, advisor, franchisee or employee of a franchise advisor

Account maintenance and custodial fees apply to the accounts listed above; they do not apply to managed accounts. For more information about fees assessed to managed accounts, contact an Ameriprise financial advisor.

1 Eligibility for recognition in Ameriprise Achiever Circle Elite is achieved through maintaining a household investment level with Ameriprise Financial of $500,000 or more. Households are essentially defined as the primary household account for an individual, his/her spouse or domestic partner, and any accounts owned for, by or with their unmarried children under the age of 21 who reside at the same address, or any affiliated trustee, custodian, guardian, conservator, estate representative, rider on an insurance policy or annuitant.

Brokerage service fees

Account Closure $100
Cash Debit Variable2
Certificate Delivery $80
Check Copy $3 per copy
Custody/Safekeeping — Worthless3 $25 per CUSIP/per year
Debit Card Receipt Copy $10 per copy
Deposit/Withdrawal at Custodian (DWAC) Variable4
Direct Registration System (DRS) Request Fee Variable5
Express Mail — Domestic $25
Express Mail — International $35
Invalid Certificate6 $125
Legal Process $40 per order
Legal Transfers $30
Limited Partnership Custody (initial) $75
Limited Partnership Custody (annually thereafter) $75 per position/per year
Mandatory/Voluntary Physical Reorg Deposit $95
Non-Sufficient Funds $29
Physical Custody — Foreign Security $100
Pledge Account (paid at the time the account is pledged) $100
Private Placement Custody (initial) $150
Private Placement Custody (annually thereafter) $100 per position/per year
Research $25 per hour
Restricted Custody $100 per CUSIP/per year
Restricted Transaction $100
Returned Check or ACH Deposit $25 per item
Statement Reprint7 $5 per copy
Stop Payment or Reissue8 $25 per item
Transfer Out $100
Voluntary/Physical Certificate Corporate Action $40
Wire Transfer Out — Domestic $30
Wire Transfer Out — International $35

2 Ameriprise Financial reserves the right to assess fees and/or interest on any funds advanced to you which result in an open debit in your account. Open Debit Fees are calculated as follows: Debit amount (x) base margin lending rate (x) number of days/365 = Fee amount.

Brokerage trade related fees

Ameriprise Financial may assess multiple trade-related fees and/or commissions if a single order or transaction is executed on multiple days.

Fee type Additional details Fee amount
Order Handling Fee Excludes orders placed in managed accounts, annuities, insurance and certain alternative investments. $6
Late Trade Settlement Up to a maximum charge of $30 per settlement date for trades within an account where an extension has been filed (online Brokerage only). $15
Transaction Fee Ameriprise Financial and its clients are subject to policy and regulations set forth by various regulatory bodies and exchanges. At times, a nominal transaction fee to cover costs of self-regulation may be charged. This fee is only assessed on sells of certain securities; it is not assessed on mutual fund buys or sells. These policies, regulations and fees are subject to change. Variable

3 To help defray the cost of holding and maintaining securities that may have been deemed worthless and/or without value

4 DWAC fees are typically $50 to $250, but can vary by transfer agent. The actual cost will be determined by the transfer agent, and will be passed onto you. DWAC fees are assessed when exercising employee stock options within an Ameriprise Brokerage Account.

5 DRS fees are generally $15, but can vary by transfer agent. The actual cost will be determined by the individual transfer agent and will be passed on to you. DRS fees are assessed when transferring shares to client brokerage accounts.

6 For a certificate that is rejected by the assigned transfer agent because it was previously paid, replaced, reissued, exchanged, has a “Stop Transfer” applied to it or has otherwise been deemed invalid.

7 For duplicate copies of account statements, tax statements and trade confirmations. Fee is waived if you signed up to receive the requested document type by electronic delivery instead of U.S. mail.

8 For disbursements issued by Ameriprise Financial.

Mutual fund trade related fees

Fee type Additional details Fee amount
No-Load Mutual Funds without a transaction fee Other fees and expenses may apply. Refer to the fund prospectus for details. Ameriprise Financial may impose a brokerage fee if held less than 180 days. An early redemption fee may also be imposed by the fund company. Refer to the fund prospectus for details. No charge
No-Load Mutual Funds with a transaction fee Ameriprise Financial may impose a brokerage fee if held less than 180 days. An early redemption fee may also be imposed by the fund company. Refer to the fund prospectus for details. $39.95
Load Mutual Funds Refer to the fund prospectus Refer to the fund prospectus

Investment minimums for individual mutual funds are determined by the fund company. Refer to the fund prospectus for details.

Ameriprise Financial provides record keeping and shareholder services for, and receives remuneration from, unaffiliated funds. You can buy shares directly from the fund itself, or its principal underwriter or distributor, without paying brokerage transaction fees.

Margin lending

The following structure and rates apply:

Average daily debt balances Margin rate Effective rate
$500,000 – above Base − 1.00% 5.75%
$100,000 – $499,999 Base − 0.50% 6.25%
$50,000 – $99,9999 Base10 6.75%
$25,000 – $49,999 Base + 1.25% 8.00%
$0 – $24,999 Base + 2.00% 8.75%

9 Margin interest charges will be calculated based on a sliding scale of percentages added to or subtracted from a base lending rate20, set at the discretion of Ameriprise Financial, Inc., with reference to commercially recognized interest rates, industry conditions regarding the extension of margin credit and general credit conditions.

10 Base lending rate: 6.75% as of March 18, 2014. This information is subject to change.

ATM surcharge fees

ATM network/owner surcharges and the ATM fee rebate program
Ameriprise Financial does not assess ATM surcharge fees and is a member a surcharge-free ATM network. ATM operators and/or networks who are not members of the surcharge-free network may assess an ATM surcharge fee. In those instances, we offer a rebate program if you are recognized as an Ameriprise Achiever Circle or Ameriprise Achiever Circle Elite member. ATM surcharge fees are rebated monthly based on your Ameriprise Achiever Circle status at month end. The ATM fee rebate program may be modified or discontinued at any time. To find surcharge-free ATM locations near you visit ameriprisebank.com/atm.
Achiever Circle Members Receive up to five surcharge transaction fee rebates totaling up to $10 per month.
Achiever Circle Elite Members Receive unlimited surcharge transaction fee rebates.