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(888) 322-6534www.IRAResources.comNew Account Application Instructions - Traditional IRAForm UseInstructionsComplete this form to establish a selfdirected new account.Complete the Account Application, signand date page 5.If you need assistance completing theforms, please call us at:888-322-6534 option 1Fees and ProcessingAccount establishment fee: 100Please complete credit card section ofapplication to make payment.Download and save the Fee Schedule foryour records (page 5).Provide a copy of your governmentissued non-expired identification — likean ID, drivers license (DL), or passport.Please be sure that the copy is legible andshows your signature. If your signature ison the back of the ID or DL, please includea copy of the back. If the address on yourID is not current, attach a copy of acurrent utility bill.Funding Your AccountAccount establishment takes 1-2 days,unless corrections or additional clientinformation is needed.Submission ailIRA Resources, Inc.100 Pringle Ave, Suite 650Walnut Creek, CA 94596Transfer Form: use when transferringfunds and/or assets from an IRA atanother Custodian directly to your IRAwith IRAR.Rollover Form: use when you are movingmoney from an Employer Sponsored planto IRAR asa Direct Rollover OR when you take adistribution from an IRA and are sendingover funds and/or assets to IRAR within60 daysDeposit Coupon: use when contributingnew funds to your IRA.IMPORTANTAccount Applications must be submitted witha legible valid government issued form ofidentification.Complete one application per new account.

QUESTIONS?888-322-6534SUBMIT FORM: [email protected] faxSelf-Directed Account Application - Traditional, Roth, SEP, SIMPLE1. ACCOUNT OWNER INFORMATIONSalutation MR. MRS.Legal Last Name MS.Legal First NameLegal Middle NameIndustry—(Required Field)Title DR.Social Security NumberDate of Birth(example: real estate, finance, retired)(example: Sales Manager)--Legal Address (cannot be a P.O. box)CityCountyStateZipMailing Address (if different from above)CityCountyStateZipPhone Number Cell Work HomeEmail Address (must be unique, not shared with another IRAR account holder)Marital Status Single Married (please see Spousal Consent in section 6) Widowed Divorced2. REFERRAL SOURCEHow did you hear about IRAR? Internet Search Social Media Word of Mouth Event: Business Partner Referral (enter company name): Client Referral (name): Other:3. NEW ACCOUNT INFORMATIONIndividual Retirement AccountsBusiness Retirement Accounts Traditional IRA SEP IRA(Please complete and submit page 1 of the IRAR Trust SEP IRA Agreement andDisclosure) Roth IRA Beneficiary IRA : Traditional RothName of Previous IRA Owner:Birth Date of Previous IRA Owner:Date of Death of Previous IRA Owner: SIMPLE IRA(Please complete and submit the last page of the IRAR Trust SIMPLE IRA Agreement and Disclosure)Employer Name:Investment Interest LLC for Real Estate LLC /Private Placement Real Estate: Single Family Multi-Family (condo/duplex) Commercial Land Foreign Secured Note Unsecured Note Other:4. FUNDING INFORMATION Transfer Direct Rollover Rollover (Indirect Rollover)Check this if the movement ofassets will be directly from anexisting IRA at another custodian.Check this if your assets arein an employer plan(example 401(k)) at anotherfirm going directly to IRAR.Check this if you are taking or took receipt of the assets. Check this if you are making aYou must deposit funds in an IRA within 60 days.contribution to fund your IRA.(IRS allows one indirect rollover in a 12 month period)IRAR PROCESSING CENTER 100 PRINGLE AVE, SUITE 650 WALNUT CREEK, CA 94596 PHONE: 888-322-6534 FAX: 858-459-6565Page 1 of 6 Annual ContributionTax Year:EMAIL: [email protected] IRA Resources, Inc. 1/2022

QUESTIONS?888-322-6534SUBMIT FORM: [email protected] faxSelf-Directed Account Application - Traditional, Roth, SEP, SIMPLE5. BENEFICIARY INFORMATIONI designate the following person(s) named below as my Primary and/or Contingent Beneficiaries of my plan. If the Primary or Contingent box is notchecked for a beneficiary, the beneficiary will be deemed to be a Primary Beneficiary. In the event of my death, the balance in the account shall be paidto the Primary Beneficiaries who survive me in equal shares (or in the specified shares, as indicated). If none of the Primary Beneficiaries survive me, thebalance in the account shall be paid to the Contingent Beneficiaries who survive me in equal shares (or in the specified shares, as indicated). If any Primary or Contingent Beneficiary does not survive me, such beneficiary’s interest and the interest of such beneficiary’s heirs shall terminate completely,and the share for any remaining Primary or Contingent Beneficiary shall be increased on a pro rata basis. If no Primary or Contingent Beneficiary survives me, the remaining balance in the account shall be distributed in accordance with the plan provisions to my estate.If I named a Beneficiary which is a Trust, I understand I must supply a copy or abstract of the Trust.Beneficiary 1NameSocial Security NumberDOBRelationship Primary Spouse Contingent Other:Mailing AddressCityStateZip Non-Spouse TrustShare Percentage%Beneficiary 2NameSocial Security NumberDOBRelationship Primary Spouse Contingent Other:Mailing AddressCityStateZip Non-Spouse TrustShare Percentage%Beneficiary 3NameSocial Security NumberDOBRelationship Primary Spouse Contingent Other:Mailing AddressCityStateZip Non-Spouse TrustShare Percentage%6. SPOUSAL CONSENTIf your spouse is not listed as your primary beneficiary and you live in one of the states listed below, your spouse must complete this section.Community property state (such as AZ, CA, ID, NV, MN, TX, WA, or WI)I am the spouse of the account holder listed above. I hereby certify that I have reviewed the Designation of Beneficiary Form and I understand that I havea legal interest in the account. I hereby acknowledge and consent to the above Designation of Beneficiary other than, or in addition to, myself as primarybeneficiary. I further acknowledge that I am waiving part or all of my rights to receive benefits under this plan when my spouse dies.I, , hereby consent to the above Beneficiary designation.SignatureDate IRAR PROCESSING CENTER 100 PRINGLE AVE, SUITE 650 WALNUT CREEK, CA 94596 PHONE: 888-322-6534 FAX: 858-459-6565Page 2 of 6EMAIL: [email protected] IRA Resources, Inc. 1/2022

QUESTIONS?888-322-6534SUBMIT FORM: [email protected] faxSelf-Directed Account Application - Traditional, Roth, SEP, SIMPLE7. PAYMENT OF FEES 100 Account Establishment FeeAnnual Record Keeping FeeTransaction Service FeesPay By:Pay by:Pay by: Credit Card Credit Card Credit Card Debit Account* Debit Account*If you do not choose a form of payment, we will debitfees from your account.If you do not choose a form of payment, we will debitfees from your account.Account will not be established without form ofpayment.*If you do not have cash in your account for payment of fees, we require a credit card on file. For fee details please refer to the Fee Schedule on page 6.8. CREDIT CARD INFORMATIONCredit Card Type (complete this section for if you chose a credit card payment above) Visa Master Card American Express Discover Save this card to my account for future feesCard NumberSecurity CodeName As it Appears on the CardBilling AddressBilling CityBilling StateExpiration DateBilling ZipBy signing below, I authorize my credit card to be charged for the option (s) chosen above. I understand that inaccurate or incomplete credit card information or charges declined by the credit card issuer will delay the processing of the account transaction. Future changes to the option made above mustbe submitted in writing.SignatureDate 9. APPOINTMENT OF CUSTODIAN INVESTMENT DIRECTION AND IMPORTANT DISCLOSURESYOUR SIGNATURE IS REQUIRED ON PAGE 5. PLEASE READ BEFORE SIGNING.AppointmentUpon acceptance of this adoption agreement as signified by my signature below, I hereby appoint IRAR Trust Company, a South Dakota chartered trustcompany, to act as the custodian of my account ("Custodian"). I understand that my account is self-directed and that IRAR Trust Company is acting solelyas a passive custodian to hold retirement account assets and in no other capacity. IRAR Trust Company has entered into an administrative servicesagreement with IRA Resources, Inc. (Administrator) to provide administrative services for the Depositor's Account (“Depositor”), and to properly fulfill itsduties as administrator and under the administrative services agreement. All communication between the Depositor and the custodian must be handledthrough IRAR. I acknowledge and agree that this Standard Account Adoption Agreement and the Form 5305-A, 5305-RA, 5305-SEP, 5305-SIMPLE, 5305Custodial Account Agreement and Disclosure Statement, together with the Fee Schedule, the documents related to my employer’s Simple IncentiveMatch Plan for Employees of Small Employers (SIMPLE), if applicable, and any other written instructions that are in form and substance acceptable to meand IRAR Trust Company (all such documents being incorporated herein by reference) collectively comprise my total agreement and govern all aspects ofmy relationship with IRAR Trust Company. IRAR Trust Company is not a mortgage broker, asset manager, investment advisor or loan servicing agent withrespect to me or my account and shall not have any discretionary power, authority, or control with respect to the management, investment, or disposition of my account, or its assets. I acknowledge and agree that IRAR Trust Company is not a fiduciary hereunder with respect to my account or any purchase, sale or exchange instructed by me or my agents, including but not limited to: suitability, compliance with any state or federal law or regulation,income or expense, or preservation of capital or income.IRAR PROCESSING CENTER 100 PRINGLE AVE, SUITE 650 WALNUT CREEK, CA 94596 PHONE: 888-322-6534 FAX: 858-459-6565Page 3 of 6EMAIL: [email protected] IRA Resources, Inc. 1/2022

QUESTIONS?888-322-6534SUBMIT FORM: [email protected] faxSelf-Directed Account Application - Traditional, Roth, SEP, SIMPLEResponsibility for Tax ConsequencesI assume all responsibility for any tax consequences and penalties that may result from making contributions to, transactions with, and distributionsfrom my Account. I am authorized and of legal age to establish this Account and make investment purchases permitted under the Plan Agreementoffered by the Custodian. I certify under penalties of perjury that I have provided you with my correct Social Security Number. Until such time as I changeor revoke the designation, I hereby instruct the Custodian to follow the investment directions which I provide to Administrator in investing and reinvesting the principal and interest, as confirmed by direction letters to Administrator from me, for the above-referenced Account or other Custodial accountfor which Administrator serves as recordkeeper.You are authorized to accept written direction, and/or verbal direction which is subsequently confirmed in writing by the authorized party, Administrator,or by me. Written direction shall be construed so as to include facsimile signature, email communication, and electronic signature.The account is established for the exclusive benefit of me or my beneficiaries. In taking action based on this authorization, the Custodian may act solelyon the written instruction, designation, or representation by me, as the Depositor. I agree to release, indemnify, defend, and hold the Custodian harmless from any claims, including but not limited to: actions, liabilities, losses, penalties, fines, and/or third party claims arising out of my account and/or inconnection with any action taken in reliance upon my written instructions, designations, and representations, or in the exercise of any right, power, orduty of Custodian. Custodian has no responsibility or fiduciary role whatever related to or in connection with the account in taking any action related toany investment. If any provision of this Application is found to be illegal, invalid, void or unenforceable, such provision shall be severed and such illegalityor invalidity shall not affect the remaining provisions, which shall remain in full force and effect.Important Information for Opening a New AccountTo comply with the USA PATRIOT ACT, we have adopted a Customer Identification Program. All new accounts must provide a copy of an unexpired, photo-bearing, government- issued identification (e.g., driver license or passport). The copy must be readable, so we can verify the client’s name, driver’slicense number, signature, state of issuance, etc.IRAR Trust Company is controlled and operated by us from our offices within the United States of America, and the accounts we administer are administered within the United States of America. We do not target or offer our services to users outside of the United States.I agree when opening an account with IRAR Trust Company, that I am located within the United States of America. By opening, using, or continuing touse an account with IRAR Trust Company, I both represent and agree that I am located in the United States of America. I further agree that I will notutilize an account at IRAR Trust Company, or your website, in any country or in any manner prohibited by any applicable laws, restrictions, or regulations.I confirm that assets to be transferred into my custodial account do not include any illegal or impermissible investments under South Dakota or Federallaw, including, but not limited to, holdings of marijuana or other illegal substances, illegal gambling, or illegal artifacts. I further confirm that the custodial account will not hold or engage in transactions involving illegal holdings while IRAR Trust Company serves as custodian, and should the custodial account ever come to hold an illegal or impermissible investment under South Dakota or Federal law, I will notify IRAR Trust Company immediately.Undirected Cash DisclosureThe Depositor hereby appoints IRAR Trust Company as the Depositor’s attorney-in-fact with respect to investments and distributions concerning theDepositor’s account. As part of this, among other things, the Depositor directs IRAR Trust Company (i) to deposit all cash for which the Depositor has notalready provided investment instructions into deposit accounts at regulated depository institutions or financial organizations selected by IRAR TrustCompany at IRAR Trust Company’s sole discretion and without any further approval from the Depositor, provided that any and all such accounts qualifyas: checking accounts, savings accounts, money market accounts, certificates of deposit or similar bank accounts, (ii) to retain such interest as furthercompensation for the services it renders to its Depositors and, in its sole discretion, place the funds in a non-interest bearing pooled deposit account oraccounts, (iii) to enter into such sub-accounting agreements as may be required by the nature of the deposit accounts between the selected financialorganizations and IRAR Trust Company, under which IRAR Trust Company may receive a fee from the selected financial organizations to keep all recordspertaining to the Depositor’s share of the pooled custodial accounts, which fees will be retained by IRAR Trust Company, and (iv) to sign checks from timeto time on the pooled custodial accounts, which are to be honored by the financial organizations for withdrawal of Depositor’s funds from such pooledcustodial accounts for distributions, investments, fees and other disbursements directed or agreed to by the Depositor.The Depositor hereby indemnifies and agrees to hold such financial organization(s) harmless from following the directions received from IRAR TrustCompany on the Depositor’s behalf including but not limited to honoring checks drawn on the Depositor’s portion of the pooled custodial accounts thatare written by IRAR Trust Company, and agrees that the duties and powers described herein that are to be exercised by IRAR Trust Company are ministerial in nature and will not operate to cause IRAR Trust Company to become a fiduciary with respect to the Depositor’s account.Claims and DisputesBy signing below, I hereby agree that all claims and disputes of every type and matter, including but not limited to claims in contract, tort, common law,or alleged statutory violations, arising out of or in connection with this custodial agreement shall only be instituted in South Dakota, where custodianmaintains its principal place of business, and you agree to submit to such jurisdiction with any such suit you may file and in any such suit custodian mayfile against you.IIRAR PROCESSING CENTER 100 PRINGLE AVE, SUITE 650 WALNUT CREEK, CA 94596 PHONE: 888-322-6534 FAX: 858-459-6565Page 4 of 6EMAIL: [email protected] IRA Resources, Inc. 1/2022

QUESTIONS?888-322-6534SUBMIT FORM: [email protected] faxSelf-Directed Account Application - Traditional, Roth, SEP, SIMPLEIn the event of claims by others related to my account and/or investment wherein Administrator and/or Custodian is named as a party, Administratorand/or Custodian shall have the full and unequivocal right at their sole discretion to select their own attorneys to represent them in such litigation anddeduct from my account any amounts to pay for any costs and expenses, including but not limited to: all attorneys’ fees, costs, and internal costs(collectively “Litigation Costs”), incurred by Administrator and/or Custodian in the defense of such claims and/or litigation. If there are insufficient fundsin my account to cover the Litigation Costs incurred by Administrator and/or Custodian, on demand by Administrator and/or Custodian, I will promptlyreimburse Administrator and/or Custodian the outstanding balance of the Litigation Costs. If I fail to promptly reimburse the Litigation Costs, Administrator and/or Custodian shall have the full and unequivocal right to freeze my assets, liquidate my assets, and/or initiate legal action to obtain full reimbursement of the Litigation Costs. I also understand and agree that the Administrator and/or Custodian will not be responsible to take any action shouldthere be any default with regard to this investment.Fees DisclosureI agree to pay for any extraordinary services or requests not covered in the Fee Schedule attached, prior to the provision of the service. IRAR Trust Company does not provide account services in conjunction with any investment products for sale. Fees are charged in advance or in connection with recordkeeping services and are at no time refundable. Account Administration Fees are billed and payable semi-annually based on your account establishmentdate. Account Administration Fees are not pro-rated. These fees are normally withdrawn from your undirected funds balance within 30 days after theinvoice date, unless paid directly. If your account has insufficient funds, we will liquidate other assets to pay for such fees, after 30 days from notifyingyou, in accordance with your Plan and Trust Disclosure. If the assets within your IRA are unable to be liquidated, IRAR Trust Company shall bear no responsibility for any adverse tax consequences as a result thereof. IRAR Trust Company reserves the right to sell any past due receivables to a collectionand credit reporting agency. If there is insufficient cash in the account to cover transaction service fees and you have indicated you want the fees paidfrom your undirected cash, IRAR Trust Company reserves the right, at its discretion, to reduce the amount sent for the investment by the amount duefor fees. Custodial Administration Fee: IRAR Trust Company receives a fee equal to the income generated from deposit accounts that hold undirectedcash in your Account, if any. IRAR Trust Company is entitled to this fee under the section titled “Undirected Cash Disclosure“ listed above. Minimum balance requirements may be required to maintain each client account. This amount should not exceed 350.00. However, IRAR Trust Company reservesthe right to set minimum balance requirements at its sole discretion. We will make our best effort to notify you of all changes to your Fee Schedule within the 30-day notice period posted on our website at www.IRAResources.com. If you do not have access to the internet, please let us know so thatchanges may be sent to you in written form. In accordance with your Account Application, the Fee Schedule is part of your Agreement and must accompany your Account Application.I declare that I have examined this document, including accompanying information, and to the best of my knowledge and belief it is true, correct,and complete. I acknowledge I have read the Fee Schedule included with this application, the account agreement, and account disclosure statement and agree to abide by their terms as currently in effect or as they may be amended from time to time. I understand that no one has authorityto agree to anything different than my foregoing understandings of the Custodian’s policy.When the plan has been accepted by IRAR Trust Company, the Account Owner will be sent an account establishment confirmation email or letter showing the account number and account information.ACCOUNT OWNER SIGNATURE AND ACKNOWLEDGEMENTDATE IRAR Trust Company does not provide tax, legal or investment advice. It does not endorse or recommend any agent, company, or specific investment.Any information communicated by IRAR Trust Company is solely for educational purposes and should not be construed as tax, legal or investment advice. Consultations with tax, legal and investment professionals is advised prior to making any decisions regarding your account.IMPORTANT: You must submit a copy of a current form of government issued identification: ID, driver’s license,passport, etc. This is required to process your new account application.Submission OptionsFAXEMAILMAIL(858) [email protected] Resources100 Pringle Ave, Suite 650Walnut Creek, CA 94596IRAR PROCESSING CENTER 100 PRINGLE AVE, SUITE 650 WALNUT CREEK, CA 94596 PHONE: 888-322-6534 FAX: 858-459-6565Page 5 of 6EMAIL: [email protected] IRA Resources, Inc. 1/2022

QUESTIONS?888-322-6534General Fee Schedule - Traditional, Roth, SEP, SIMPLEANNUAL RECORDKEEPING FEEMinimum Recordkeeping Fee* (fee includes your cash account and one asset) 199Additional Asset (per year) 75Examples: An account with one asset: 99.50 semi-annually / An account with two assets: 137.00 semi-annuallyTRANSACTION SERVICE FEESAccount Establishment Fee 100Partial Transfer Out* 25 per transferFull Termination* 250Purchase, Sale or Exchange of Non-Real Estate Asset (per asset) 50 175ACH Transfers: Incoming or Outgoing 0Wire Transfers: Incoming and Outgoing (per item) 30Checks (includes all check requests) 7Overnight Delivery via FedEx, UPS, USPS, etc. 30Cashier’s or Other Official Bank Check 30Special Services (i.e. research of closed assets or accounts, legal research, special handling of transaction) 100 per hourReturned Items of Any Kind and Stop Payments 30 per itemReprocessing of Incomplete Documents (additional fees may apply) 25 per itemNotary Service (per document) 15Re-Registration of Assets: Outgoing* 50In-Kind Distributions* 100 per itemConversion of Existing Assets 50 per asset*Additional fees charged by third parties may applyKEEP THIS FEE SCHEDULEFOR YOUR REFERENCEIRAR PROCESSING CENTER 100 PRINGLE AVE, SUITE 650 WALNUT CREEK, CA 94596 PHONE: 888-322-6534 FAX: 858-459-6565Page 6 of 6EMAIL: [email protected] IRA Resources, Inc. 1/2022

Traditional IndividualRetirement AccountCustodial Agreement andDisclosure StatementThis document describes the policies associated with your IRAR account. Please review thisdocument. This Custodial Account Agreement is also available on our website.KEEP THIS DOCUMENT FOR YOUR RECORDS.401 EAST 8TH STREET, SUITE 200E, SIOUX FALLS, SD 57103PHONE: 888-322-6534FAX: 858-459-6565EMAIL: [email protected]

KEEP THIS FOR YOUR RECORDS5305-AForm(Rev. March 2002)Department of the TreasuryInternal Revenue ServiceTraditional Individual Retirement Custodial Account(Under Section 408(a) of the Internal Revenue Code)Article IThe individual whose name appears on the accompanying IRA Account Application (hereinafter called "Depositor") is establishing a Traditional IndividualRetirement Account (a “Custodial Account”) with IRAR Trust Company, (the custodian listed in Section 8 of the IRA Account Application) or its successor(herein referenced to as “Custodian”). This traditional Individual Retirement Plan is established for the exclusive benefit of the individual (or his or herbeneficiaries) within the meaning of §408(a) of the Internal Revenue Code and the related Treasury regulations.By executing the Application, the Depositor acknowledges that he or she has received from IRAR Trust Company, the following Custodial Agreement andDisclosure Statement required by Treasury Regulation §1.408–6 and that he or she has read and understood the same. Depositor and the Custodian dohereby agree as follows:1.01 Except in the case of a rollover contribution described in section 402(c), 403(a)(4), 403(b)(8), 408(d)(3), or 457(e)(16), an employer contribution to asimplified employee pension plan as described in section 408(k) or a recharacterized contribution described in section 408A(d)(6), the Custodian willaccept only cash contributions up to 3,000 per year for tax years 2002 through 2004. That contribution limit is increased to 4,000 for tax years 2005through 2007, and 5,000 for 2008 and thereafter. For individuals who have reached the age of 50 before the close of the tax year, the contribution limit isincreased to 3,500 per year for tax years 2002 through 2004, 4,500 for 2005, 5,000 for 2006 and 2007, and 6,000 for 2008 and thereafter. For taxyears after 2008, the above limits will be increased to reflect a cost-of-living adjustment, if any.Article II2.01 The Depositor's interest in the balance in the custodial account is nonforfeitable.Article III3.01 No part of the custodial account funds may be invested in life insurance contracts, nor may the assets of the custodial account be commingled with otherproperty except in a common trust fund or common investment fund (within the meaning of section 408(a)(5)).3.02 No part of the custodial account funds may be invested in collectibles (within the meaning of section 408(m)) except as otherwise permitted by section408(m)(3), which provides an exception for certain gold, silver and platinum coins, coins issued under the laws of any state, and certain bullion.Article IV4.01 Notwithstanding any provision of this agreement to the contrary, the distribution of the Depositor's interest in the custodial account shall be made inaccordance with the following requirements and shall otherwise comply with section 408(a)(6) and the regulations thereunder, the provisions of which areherein incorporated by reference.4.02 The Depositor's entire interest in the custodial account must be, or begin to be, distributed not later than the Depositor's required beginning date, April 1following the calendar year in which the Depositor reaches age 70 1/2. By that date, the Depositor may elect, in a manner acceptable to the Custodian, tohave the balance in the custodial account distributed in:(a) A single sum; or(b) Payments over a period not longer than the life of the Depositor or the joint lives of the Depositor and his or her designated beneficiary.4.03 If the Depositor dies before his or her entire interest is distributed to him or her, the remaining interest will be distributed as follows:(a)If the Depositor dies on or after the required beginning date and:(1) The designated beneficiary is the Depositor's surviving spouse, the remaining interest will be distributed over the surviving spouse's lifeexpectancy, as determined each year until such spouse's death, or over the period in paragraph 4.03(a)(3) below, if longer. Any interestremaining after the spouse's death will be distributed over such spouse's remaining life expectancy as determined in the year of the spouse'sdeath and reduced by 1 for each subsequent year, or, if distributions are being made over the period in paragraph 4.03(a)(3) below, oversuch period.(2) The designated beneficiary is not the Depositor's surviving spouse, the remaining interest will be distributed over the beneficiary's remaininglife expectancy as determined in the year following the death of the Depositor and reduced by 1 for each subsequent year, or over the periodin paragraph 4.03(a)(3) below if longer.(3) There is no designated beneficiary, the remaining interest will be distributed over the remaining life expectancy of the Depositor asdetermined in the year of the Depositor's death and reduced by 1 for each subsequent year.(b)If the Depositor dies before the required beginning date, the remaining interest will be distributed in accordance with paragraph (1) below or, ifelected or there is no designated beneficiary, in accordance with paragraph (2) below:(1) The remaining interest will be distributed in accordance with paragraphs 4.03 (a)(1) and 4.03 (a)(2) above (but not over the period inparagraph 4.03(a)(3), even if longer), starting by the end of the calendar year following the year of the Depositor's death. If, however, thedesignated beneficiary is the Depositor's surviving spouse, then this distribution is not required to begin before the end of the calendar yearin which the Depositor would have reached age 70 1/2. But, in such case, if the Depositor’s surviving spouse die

new funds to your IRA. IMPORTANT. . directions of the Depositor, and shall be under no duty to question said instructions and shall not be liable for any investment losses sustained by the Depositor. 9.02 . . A traditional individual retirement account (traditional IRA) is established af