PLAN FEE DISCLOSURE

PDS charges no fees for participation in the PDS Tech 401K plan. There are fees that are charged by the funds each participant chooses, and we have posted those expense ratios below. The breakdown of those expenses can be found in the prospectus of each fund. Those prospectuses can be located at www.benefits.ml.com.

PDS 401(k) Plan Investent Review
PDS 401(k) Plan Fee Analysis