Common use of Beneficiaries Clause in Contracts

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇, payments from your ▇▇▇▇ ▇▇▇ will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇IRA, payments from your ▇▇▇▇ ▇▇▇ IRA will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇IRA. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving A spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ beneficiary will have all rights as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulationsregulations to treat your IRA as his or her own. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ IRA beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ IRA at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ IRA beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ IRA beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ IRA beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ IRA beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ IRA beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ IRA owner take total distribution of all ▇▇▇▇ ▇▇▇ IRA assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇SIMPLE IRA, payments from your ▇▇▇▇ ▇▇▇ SIMPLE IRA will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇SIMPLE IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇SIMPLE IRA. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving A spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ beneficiary will have all rights as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulationsregulations to treat your SIMPLE IRA as his or her own. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ SIMPLE IRA beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ SIMPLE IRA at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇SIMPLE IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ SIMPLE IRA beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ SIMPLE IRA beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ SIMPLE IRA beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ SIMPLE IRA beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ SIMPLE IRA beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ SIMPLE IRA owner take total distribution of all ▇▇▇▇ ▇▇▇ SIMPLE IRA assets by December 31 of the year following the year of death.

Beneficiaries. Unless indicated otherwise on the application, the responsible individual may not change the designated beneficiary. If you die before you receive all the depositor has indicated on the application that the responsible individual may change the beneficiary designated under this agreement and the responsible individual chooses to do so, the responsible individual must designate a member of the amounts family (as defined in your ▇▇▇▇ ▇▇▇, payments from your ▇▇▇▇ ▇▇▇ will IRC Section 529(e)(2)) of the existing designated beneficiary. This designation can only be made to your beneficiarieson a form prescribed by the custodian. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You The depositor or responsible individual may designate one or more persons or entities as beneficiary death beneficiaries of your this ▇▇▇▇▇▇▇▇▇ ▇▇▇ESA. This designation can only be made on a form provided by or acceptable to usthe custodian, and it will only be effective when it is filed with us the custodian during your lifetimethe lifetime of the designated beneficiary. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us custodian will cancel all previous designations. The consent of a successor death beneficiary will not be required for in order to revoke a death beneficiary designation. If both primary and contingent death beneficiaries have been named, and no primary death beneficiary survives the original designated beneficiary, the contingent death beneficiaries will acquire the designated share of this ▇▇▇▇▇▇▇▇▇ ESA. If a death beneficiary is not designated with respect to this ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇▇▇▇ ▇▇▇ beneficiary does not designate a successor ESA, or if all of the primary and contingent death beneficiaries predecease the designated beneficiary, his or her the designated beneficiary’s estate will be the successor death beneficiary. In no event will If the successor designated beneficiary be able to extend dies before receiving all of the distribution period beyond that required for the original amounts in this ▇▇▇▇▇▇▇▇▇ ESA, the custodian will have no obligation to pay to the death beneficiaries until such time the custodian is notified of the designated beneficiary’s death by receiving a valid death certificate. Any balance remaining in the ▇▇▇▇▇▇▇▇▇ ESA upon the death of the designated beneficiary will be distributed within 30 days of the designated beneficiary’s death, unless a qualified family member under age 30 is named as a death beneficiary. If we so choosethe death beneficiary is a qualified family member under age 30, that individual will become the designated beneficiary as of the original designated beneficiary’s date of death. Qualified family members are defined in IRC Section 529(e)(2). The custodian may, for any reason (e.g., due to limitations of our its charter or bylaws), we may require that a qualified family member who becomes the designated beneficiary to take a total distribution of a deceased the ▇▇▇▇▇▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets ESA by December 31 of the year following the year of the original designated beneficiary’s death.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇, payments from your ▇▇▇▇ ▇▇▇ will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving A spouse is beneficiary will have all rights as granted under the designated beneficiary, your spouse may elect Code or applicable regulations to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulationsown. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇HSA, payments from your ▇▇▇▇ ▇▇▇ HSA will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇HSA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇HSA. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving spouse acquires the interest in this HSA by reason of being the beneficiary at your death, this HSA (or in accordance with rules established by the IRS, the relevant portion thereof) will be treated as if the surviving spouse is the designated beneficiaryaccount owner. If the beneficiary is not your spouse, the HSA (or in accordance with rules established by the IRS, the relevant portion thereof) will cease to be an HSA as of the date of your spouse may elect death. Upon learning of your death, we may, in our complete and sole discretion, make a final distribution to treat a beneficiary (other than your ▇▇▇▇ ▇▇▇ as spouse) of his or her own ▇▇▇▇ ▇▇▇, and would not be subject to interest in the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇HSA. This designation can only distribution may be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during without the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form consent and may be placed in an interest-bearing (or similar) account that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇, payments from your ▇▇▇▇ ▇▇▇ will be made to your beneficiariesbeneficiary(ies). We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificatedeathcertificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each Unless otherwise specified each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries beneficiary(ies) will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary beneficiary(ies) survives you, the contingent beneficiaries beneficiary(ies) will acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate spouse will be the beneficiary. If , or if there is no spouse living at the time of your surviving spouse is the designated beneficiarydeath, your estate will be thebeneficiary. A spouse may elect beneficiary will have all rights as granted under the Code or applicable regulations to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇own. If the beneficiary designated to receive payments hereunder is a minor or person of unsound mind, whether so formally adjudicated or not, we may, at our discretion, make such payments to such person as may be acting as parent, guardian, committee, conservator, trustee or legal representative of such minor or incompetent and the receipt by any such person as selected by us shall be a full and complete discharge of us for any sums so paid. We reserve the right to, at our discretion, deposit funds in a special savings account established in our name as Custodian for a beneficiary when within six months after any payment is due because we cannot ascertain the whereabouts on our records, and would such beneficiary has not be subject to submitted a written claim for such payment before the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulationsexpiration of said six-month period. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) (the beneficiary beneficiary(ies) who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries beneficiary(ies) for the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s beneficiary’s(ies’) lifetime. Each Unless it is otherwise specified, each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) files with us will cancel all previous designationsones. The consent of a successor beneficiary beneficiary(ies) will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) to revoke a successor beneficiary beneficiary(ies) designation. If the original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) does not designate a successor beneficiarybeneficiary(ies), his or her estate will be the successor beneficiary. In no event will the successor beneficiary beneficiary(ies) be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇IRA, payments from your ▇▇▇▇ ▇▇▇ IRA will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇IRA. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving A spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ beneficiary will have all rights as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulationsregulations to treat your IRA as his or her own. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ IRA beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ IRA at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ IRA beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ IRA beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ IRA beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ IRA beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ IRA beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ IRA owner take a total distribution of all ▇▇▇▇ ▇▇▇ IRA assets by December 31 of the year following the year of death. Alternatively, the beneficiary may transfer the assets to a successor trustee or custodian.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇, payments from your ▇▇▇▇ ▇▇▇ will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take a total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of death. Alternatively, the beneficiary may transfer the assets to a successor trustee or custodian.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇IRA, payments from your ▇▇▇▇ ▇▇▇ IRA will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇IRA. If you do not designate a beneficiary or if all If, at the time of your primary and contingent beneficiaries predecease death, either (i) no such designation is in effect or (ii) there is no beneficiary who survives you, your estate will the beneficiary shall be the beneficiary. If your surviving spouse or, if there is no surviving spouse, then your estate. The last designation received and accepted by the designated beneficiaryCustodian prior to your death (the “designation of record”) shall be controlling and, whether or not it fully disposes of the custodial account, shall revoke all other such designations previously mad by you and received by the Custodian. If the designation of record on file with the Custodian does not appear to fully dispose of the custodial account, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse or, if there is no surviving spouse, then your estate shall be the beneficiary of any undisposed of portion of the custodial account or of any portion of the custodial account for which the identity of the beneficiary is, in the opinion of the Custodian, unclear. A spouse beneficiary will also be entitled to such additional beneficiary payment options have all rights as are granted under the Code or applicable regulationsregulations to treat your IRA as his or her own. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ IRA beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ IRA at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ IRA beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ IRA beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ IRA beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ IRA beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ IRA beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ IRA owner take total distribution of all ▇▇▇▇ ▇▇▇ IRA assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇, payments from your ▇▇▇▇ ▇▇▇ will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You The Participant may designate one or more persons ptimary or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ all or any specified portion of any benefits hereunder, at the time of your deaththe Participant's death remain payable by the Bank to the Participant. The Participant may designate such beneficiaries on Exhibit A attached hereto. The designation of any such beneficiaries may be changed or revoked at any time prior to the Participant's death by giving the Bank three (3) days written notice of such change or revocation in the manner provided in Section 9 of this Agreement. In the event the Participant shall fail to name successor designate a beneficiary prior to his death or designates a beneficiary and thereafter revokes such designation without naming another beneficiary, or designates one or more beneficiaries for and all such beneficiaries so designated shall fail to survive the inherited ▇▇▇▇ ▇▇▇. This designation can only Participant, any payments of benefits under this Agreement shall be made on to the Participant's surviving spouse, if any, or otherwise to the Personal Representative of the Participant's estate. Unless the Participant has otherwise specified in the beneficiary designation, the beneficiary or beneficiaries designated by the Participant shall become fixed as of the Participant's death so that, if a form provided beneficiary survives the Participant but dies prior to the receipt of all payments due such beneficiary, such remaining payments shall be payable to the Personal Representative of such beneficiary's estate. The Participant and his beneficiaries shall not have any assignable interest in the future payments due under this Agreement, nar any right to anticipate, dispose of, pledge or enc|unber the same prior to actual receipt thereof, nor shall the same be subject to attaclunent, garnislunent, or execution following judgment or other legal process instituted by the Participant's creditors or acceptable to usany such beneficiary; provided, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form however, that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 balance of the year following Participant's benefit payments shall at all times be subject to offset for debts owed by the year of deathParticipant to the Bank.

Beneficiaries. The Owner(s) name(s) a Beneficiary or Beneficiaries in the application, and can change Beneficiaries later. If you all the Owners die before you the Annuity Date, we will pay the Contract Value, less any applicable taxes, to the Beneficiary or Beneficiaries who survive all the Owners. If a Beneficiary survives all the Owners but does not live long enough to receive all payment from us, we will pay the Beneficiary's estate. For a Contract owned by a trust, the trust must be named as the sole Beneficiary. Owner(s) must indicate in percentages what portion of the amounts in your ▇▇▇▇ ▇▇▇Contract each Beneficiary is to receive. If the total does not equal 100%, payments from your ▇▇▇▇ ▇▇▇ each Beneficiary's share will be made to your beneficiariesdetermined by using a fraction, the numerator of which is the stated percentage for that Beneficiary, and the denominator of which is the total of the percentages indicated by the Owner(s). We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only Beneficiary designations must be made on in a form provided by or acceptable to us. We reserve the right to reject any Beneficiary designation that we deem to be unadministerable, and it will only be effective when it is filed with such as "per stirpes", which may include designations that contain contingencies that could delay payment or designations that would require us during your lifetimeto refer to external documents or the outcome of legal proceedings. Each beneficiary designation you file with us will cancel After the death of all previous designations. The consent of your beneficiaries will not be required for you the Owners, each Beneficiary has the right to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated withdraw their share of your ▇▇▇▇ ▇▇▇the Contract Value, as detailed below. If you do not designate Before we make a beneficiary or payment to any Beneficiary, we must receive at our Annuity Service Center due proof of death (generally a death certificate) for each Owner and any required tax withholding and other forms. We may seek to obtain a death certificate directly from the appropriate governmental body if we believe that any Owner may have died.DVA-2005 At the close of the Valuation Period in which we receive the death certificate(s), we will transfer any portion of the Contract Value that is in the Investment Options to the Money Market Investment Option. Once we have determined the number of Beneficiaries who will share in the Contract Value, a Beneficiary who has returned all of your primary required documentation to us (including tax withholding and contingent beneficiaries predecease you, your estate other forms) will be the beneficiary. If your surviving spouse is the designated beneficiary, your spouse may elect able to treat your ▇▇▇▇ ▇▇▇ as transfer his or her own ▇▇▇▇ ▇▇▇, and would not be subject to share of the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under Contract Value among the Code or applicable regulationsInvestment Options. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (will not pay any Beneficiary until we have determined the beneficiary who is number of Beneficiaries entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇payment. This designation can only is to prevent us from overpaying one Beneficiary before making payment to other Beneficiaries. Once we have received due proof of death and have determined the number of Beneficiaries to be made paid, we will, upon written request received at our Annuity Service Center, pay any Beneficiary who has provided us with required tax withholding and other forms. We will then have no further obligations to that Beneficiary. If a Beneficiary has been designated to receive a specified fraction of the Contract Value, we will pay that fraction as determined on a form provided by or acceptable the date of payment. For example, if there are two Beneficiaries and each is designated to usreceive 50%, the first Beneficiary to receive payment would receive 50% of the Contract Value on the date the payment is made, and it will only the other Beneficiary would later receive the remainder, which might be effective when it is filed with us during worth more or less than what was paid to the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of deathfirst Beneficiary.DVA-2005

Beneficiaries. If you die before you receive all Following the death of the amounts Participant, the balance of the Participant’s Account shall be distributed to the Participant’s designated Beneficiary or Beneficiaries, if any, in your ▇▇▇▇ ▇▇▇accordance with the provisions of Article IV of the Plan and in accordance with the Custodian’s administrative or operational requirements and regular business practices. A Participant may designate a Beneficiary or Beneficiaries of the Account at any time, payments from your ▇▇▇▇ ▇▇▇ and any such designation may be changed or revoked at any time, by written designation executed by the Participant in a form and manner prescribed by or acceptable to, and filed with, the Custodian. Such designation, change, or revocation shall be etfective only upon receipt by the Custodian and only if such receipt shall be during the Participant’s lifetime. The latest such designation, change, or revocation shall control. If there is no Beneficiary designation on file with the Custodian, or if the designated Beneficiary has not survived the Participant, the Custodian shall distribute the Custodial Account to the survivors of the Participant in the following order of preference: (i) The Participant’s surviving spouse, if any (ii) The Participant’s children, if any, in equal shares per stirpes (iii) The Participant’s estate If the Participant designates more than one primary or contingent Beneficiary but does not specify the percentages to which such Beneficiary or Beneficiaries is entitled, payment will be made to your beneficiariesthe surviving Beneficiary or Beneficiaries in equal shares. We have no obligation to pay to your beneficiaries until such time we are notified of your death Unless otherwise designated by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only be made on the Participant in a form provided by or and manner acceptable to usthe Custodian, if a primary or contingent Beneficiary designated by the Participant predeceases the Participant, the Account will be divided equally among the surviving Beneficiary or Beneficiaries. Unless otherwise designated by the Participant in a form and it will only be effective when it manner acceptable to the Custodian, if there is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary Beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ Beneficiaries living at the time of your the Participant’s death) to name successor beneficiaries for , payment of the inherited ▇▇▇▇ ▇▇▇. This designation can only Participant’s Account upon his or her death will be made on to the surviving contingent Beneficiary or Beneficiaries designated by the Participant. Unless otherwise specified in the Participant’s Designation of Beneficiary, if a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary Beneficiary does not designate a successor beneficiarypredecease the Participant but dies before receiving his or her entire interest in the Account, his or her estate will remaining interest in the Account shall be paid to the successor beneficiary. In no event will Beneficiary or Beneficiaries designated by the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiarydeceased Beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 there is no Beneficiary designation of the year deceased Beneficiary on file with the Custodian, the Custodian shall distribute the Account to the survivors of the deceased Beneficiary in the following order of preference: (i) The deceased Beneficiary’s surviving spouse, if any (ii) The deceased Beneficiary’s children, if any, in equal shares per stirpes (iii) The deceased Beneficiary’s estate If the year Custodian is unable to make a distribution to a Participant, a Beneficiary, or other distributee because the Custodian cannot ascertain such distributee’s whereabouts by writing to the last known mailing address shown on the Custodian’s records, if any, the Custodian may hold the proceeds in a non-interest- bearing account until such funds escheat by operation of deathlaw. The Beneficiary or Beneficiaries are responsible to ensure that distributions are made in accordance with the provisions of Article IV of the Plan.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇, payments from your ▇▇▇▇ ▇▇▇ will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary or if all If, at the time of your primary and contingent beneficiaries predecease death, either (i) no such designation is in effect or (ii) there is no beneficiary who survives you, the beneficiary shall be your surviving spouse or, if there is no surviving spouse, then your estate. The last designation received and accepted by the Custodian prior to your death (the “designation of record”) shall be controlling and, whether or not it fully disposes of the custodial account, shall revoke all other such designations previously mad by you and received by the Custodian. If the designation of record on file with the Custodian does not appear to fully dispose of the custodial account, your surviving spouse or, if there is no surviving spouse, then your estate will shall be the beneficiarybeneficiary of any undisposed of portion of the custodial account or of any portion of the custodial account for which the identity of the beneficiary is, in the opinion of the Custodian, unclear. If your surviving spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all Upon the Annuitant’s death or, in the case of Joint Annuitant Contracts, on the death of the amounts last surviving Annuitant, we will pay the proceeds of the Contract to any surviving primary beneficiary or beneficiaries according to the rules summarized below unless a contrary intention is stated in your ▇▇▇▇ ▇▇▇, payments from your ▇▇▇▇ ▇▇▇ will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each the beneficiary designation you file with us will cancel all previous designationsin effect at the time of that death. The consent If the beneficiary(ies) predeceases the Annuitant or, if applicable, the last surviving Annuitant in the case of your beneficiaries will not a Joint Annuitant Contract, a contingent beneficiary for that beneficiary’s share, if still alive at the death of the Annuitant, shall receive that beneficiary’s share of the Death Benefit. If no contingent beneficiary for that share is named or alive at that time, that share shall be required for you payable to revoke a beneficiary designationthe Owner or, if the Owner was the Annuitant, to the estate of the deceased Owner. If you have designated both named more than one primary and contingent beneficiaries and no primary beneficiary survives youbeneficiary, you may specify how the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇proceeds are to be divided. If you do have not designate a indicated this, we will assume the proceeds should be divided equally among the primary beneficiaries. The same assumption will apply for contingent beneficiaries for any share of the proceeds. You may change the beneficiary or if all of your primary and contingent beneficiaries predecease youat any time, your estate as permitted by any laws that apply to the Contract, by filing a designation with us. The changes will be effective the date that you signed your designation. However, we will only be responsible for acting upon written information that has reached us by the date we make any payments or take any action. We are not responsible for confirming the accuracy or validity of any information that you provide to us. If the beneficiary designation is irrevocable, you may not change it without the beneficiary’s written consent. Please note that in Québec, a legal spouse beneficiary is irrevocable unless you specify that it be revocable. Certain other rights and options, such as withdrawals, assignments, or transfer of ownership, can be exercised only with the written consent of the irrevocable beneficiary. If your surviving spouse the Contract is the designated beneficiarya Locked-in RSP, LIRA, RLSP, LIF, LRIF or RLIF, your spouse or common- law partner may elect to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ have certain rights at the time of your death) to name successor beneficiaries for death that take precedence over the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ rights of any beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does has not designate a successor beneficiary, his or her estate will be reached the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations age of our charter or bylaws)majority, we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 will pay the proceeds of the year following the year of deathContract according to applicable law.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇, payments from your ▇▇▇▇ ▇▇▇ will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, if applicable, your living spouse will be your beneficiary. If you do not have a living spouse, your estate will be the beneficiary. If your surviving spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of death.

Beneficiaries. The Owner(s) name(s) a Beneficiary or Beneficiaries in the application, and can change Beneficiaries later. If you all the Owners die before you the Annuity Date, we will pay the Contract Value, less any applicable taxes, to the Beneficiary or Beneficiaries who survive all the Owners. If a Beneficiary survives all the Owners but does not live long enough to receive all payment from us, we will pay the Beneficiary's estate. For a Contract owned by a trust, the trust must be named as the sole Beneficiary. Owner(s) must indicate in percentages what portion of the amounts in your ▇▇▇▇ ▇▇▇Contract each Beneficiary is to receive. If the total does not equal 100%, payments from your ▇▇▇▇ ▇▇▇ each Beneficiary's share will be made to your beneficiariesdetermined by using a fraction, the numerator of which is the stated percentage for that Beneficiary, and the denominator of which is the total of the percentages indicated by the Owner(s). We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only Beneficiary designations must be made on in a form provided by or acceptable to us. We reserve the right to reject any Beneficiary designation that we deem to be unadministerable, and it will only be effective when it is filed with such as "per stirpes", which may include designations that contain contingencies that could delay payment or designations that would require us during your lifetimeto refer to external documents or the outcome of legal proceedings. Each beneficiary designation you file with us will cancel After the death of all previous designations. The consent of your beneficiaries will not be required for you the Owners, each Beneficiary has the right to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated withdraw their share of your ▇▇▇▇ ▇▇▇the Contract Value, as detailed below. If you do not designate Before we make a beneficiary or payment to any Beneficiary, we must receive at our Annuity Service Center due proof of death (generally a death certificate) for each Owner and any required tax withholding and other forms. We may seek to obtain a death certificate directly from the appropriate governmental body if we believe that any Owner may have died. At the close of the Valuation Period in which we receive the death certificate(s), we will transfer any portion of the Contract Value that is in the Investment Options to the Money Market Investment Option. Once we have determined the number of Beneficiaries who will share in the Contract Value, a Beneficiary who has returned all of your primary required documentation to us (including tax withholding and contingent beneficiaries predecease you, your estate other forms) will be the beneficiary. If your surviving spouse is the designated beneficiary, your spouse may elect able to treat your ▇▇▇▇ ▇▇▇ as transfer his or her own ▇▇▇▇ ▇▇▇, and would not be subject to share of the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under Contract Value among the Code or applicable regulationsInvestment Options. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (will not pay any Beneficiary until we have determined the beneficiary who is number of Beneficiaries entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇payment. This designation can only is to prevent us from overpaying one Beneficiary before making payment to other Beneficiaries. Once we have received due proof of death and have determined the number of Beneficiaries to be made paid, we will, upon written request received at our Annuity Service Center, pay any Beneficiary who has provided us with required tax withholding and other forms. We will then have no further obligations to that Beneficiary. If a Beneficiary has been designated to receive a specified fraction of the Contract Value, we will pay that fraction as determined on a form provided by or acceptable the date of payment. For example, if there are two Beneficiaries and each is designated to usreceive 50%, the first Beneficiary to receive payment would receive 50% of the Contract Value on the date the payment is made, and it will only the other Beneficiary would later receive the remainder, which might be effective when it is filed with us during worth more or less than what was paid to the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of deathfirst Beneficiary.

Beneficiaries. The Owner(s) name(s) a Beneficiary or Beneficiaries in the application, and can change Beneficiaries later. If you all the Owners die before you the Annuity Date, we will pay the Contract Value, less any applicable taxes, to the Beneficiary or Beneficiaries who survive all the Owners. If a Beneficiary survives all the Owners but does not live long enough to receive all payment from us, we will pay the Beneficiary's estate. For a Contract owned by a trust, the trust must be named as the sole Beneficiary. Owner(s) must indicate in percentages what portion of the amounts in your ▇▇▇▇ ▇▇▇Contract each Beneficiary is to receive. If the total does not equal 100%, payments from your ▇▇▇▇ ▇▇▇ each Beneficiary's share will be made to your beneficiariesdetermined by using a fraction, the numerator of which is the stated percentage for that Beneficiary, and the denominator of which is the total of the percentages indicated by the Owner(s). We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only Beneficiary designations must be made on in a form provided by or acceptable to us. After the death of all the Owners, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you each Beneficiary has the right to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated withdraw their share of your ▇▇▇▇ ▇▇▇the Contract Value, as detailed below. If you do not designate Before we make a beneficiary or payment to any Beneficiary, we must receive at our Annuity Service Center due proof of death (generally a death certificate) for each Owner and any required tax withholding and other forms. We may seek to obtain a death certificate directly from the appropriate governmental body if we believe that any Owner may have died. At the close of the Valuation Period in which we receive the death certificate(s), we will transfer any portion of the Contract Value that is in the Investment Options to the Money Market Investment Option. Once we have determined the number of Beneficiaries who will share in the Contract Value, a Beneficiary who has returned all of your primary required documentation to us (including tax withholding and contingent beneficiaries predecease you, your estate other forms) will be the beneficiary. If your surviving spouse is the designated beneficiary, your spouse may elect able to treat your ▇▇▇▇ ▇▇▇ as transfer his or her own ▇▇▇▇ ▇▇▇, and would not be subject to share of the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under Contract Value among the Code or applicable regulationsInvestment Options. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (will not pay any Beneficiary until we have determined the beneficiary who is number of Beneficiaries entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇payment. This designation can only is to prevent us from overpaying one Beneficiary before making payment to other Beneficiaries. Once we have received due proof of death and have determined the number of Beneficiaries to be made paid, we will, upon written request received at our Annuity Service Center, pay any Beneficiary who has provided us with required tax withholding and other forms. We will then have no further obligations to that Beneficiary. If a Beneficiary has been designated to receive a specified fraction of the Contract Value, we will pay that fraction as determined on a form provided by or acceptable the date of payment. For example, if there are two Beneficiaries and each is designated to usreceive 50%, the first Beneficiary to receive payment would receive 50% of the Contract Value on the date the payment is made, and it will only the other Beneficiary would later receive the remainder, which might be effective when it is filed with us during worth more or less than what was paid to the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetimefirst Beneficiary. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of death.EDVA-2005

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇, payments from your ▇▇▇▇ ▇▇▇ will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary benefi- ciary of your ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective ef- fective when it is filed with us during your lifetime. Each Unless oth- erwise specified, each beneficiary designation you file with us will cancel all previous designationsones. The consent of your beneficiaries will a beneficiary(ies) shall not be required for you to revoke a beneficiary designationdesigna- tion. If you have designated both primary and contingent beneficiaries and no primary beneficiary beneficiary(ies) survives you, the contingent beneficiaries will beneficiary(ies) shall acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary beneficiary, or if all of your primary and contingent beneficiaries beneficiary(ies) predecease you, your estate will be the beneficiary. If your surviving A spouse is beneficiary shall have all rights as granted under the designated beneficiary, your spouse may elect Code or applicable Regulations to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulationsown. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) (the beneficiary beneficiary(ies) who is entitled to receive distributions distribution(s) from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name a successor beneficiaries beneficiary(ies) for the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s beneficiary’s(ies’) lifetime. Each Unless otherwise specified, each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) files with us will cancel all previous designationsones. The consent of a successor beneficiary will beneficiary(ies) shall not be required for the original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) to revoke a successor beneficiary beneficiary(ies) designation. If the original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) does not designate a successor beneficiarybeneficiary(ies), his or her estate will be the successor beneficiary. In no event will shall the successor beneficiary beneficiary(ies) be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so chooseThe minor shall be deemed to be a minor until such Benefi- ciary reaches 1) the age of majority under the law of the state of the minor’s domicile or 2) a later age for termination of minor status, for any reason (e.g.if state law allows, due but in no event later than age 25, as designated by the Investor in the Beneficiary designa- tion accepted by the Custodian. Minors are not legally able to limitations of our charter or bylaws)sign contracts, we may require that a beneficiary of a deceased including ac- count agreements to open an Inherited Beneficiary ▇▇▇▇ ▇▇▇ owner take total distribution of all account. If you fail to name an UTMA custodian, then a Legal Guardian, Conservator, or other legal representative will have to be appointed by the appropriate court. The appropriate court-appointed representative would then have the right to act as the guardian/custodian for the minor and open the Inherited Beneficiary ▇▇▇▇ ▇▇▇. Please seek competent legal advice before making such a designation. by representation (▇▇▇ assets ▇▇▇▇▇▇▇). The shares distributable to descendants under a per stirpes beneficiary designation shall be determined by December 31 the law of the year following state of the year account owner’s residence at the time of the account owner’s death.. Stifel, in its sole discretion, may determine not to make a distribution

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇IRA, payments from your ▇▇▇▇ ▇▇▇ IRA will be made to your beneficiariesbeneficiary(ies). We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries beneficiary(ies) will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary beneficiary(ies) survives you, the contingent beneficiaries beneficiary(ies) will acquire the designated share of your ▇▇▇▇ ▇▇▇IRA. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your spouse will be the beneficiary, or if there is no spouse living at the time of your death, your estate will be the beneficiary. If your surviving A spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ beneficiary will have all rights as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulationsregulations to treat your IRA as his or her own. If the beneficiary designated to receive payments hereunder is a minor or person of unsound mind, whether so formally adjudicated or not, we may, at our discretion, make such payments to such person as may be acting as parent, guardian, committee, conservator, trustee or legal representative of such minor or incompetent and the receipt by any such person as selected by us shall be a full and complete discharge of us for any sums so paid. We reserve the right to, at our discretion, deposit funds in a special savings account established in our name as Custodian for a beneficiary when within six months after any payment is due because we cannot ascertain the whereabouts on our records, and such beneficiary has not submitted a written claim for such payment before the expiration of said six-month period. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary IRA beneficiary(ies) (the beneficiary beneficiary(ies) who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ IRA at the time of your death) to name successor beneficiaries beneficiary(ies) for the inherited ▇▇▇▇ ▇▇▇IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s IRA beneficiary’s(ies’) lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary IRA beneficiary(ies) files with us will cancel all previous designations. The consent of a successor beneficiary beneficiary(ies) will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary IRA beneficiary(ies) to revoke a successor beneficiary beneficiary(ies) designation. If the original ▇▇▇▇ ▇▇▇ beneficiary IRA beneficiary(ies) does not designate a successor beneficiarybeneficiary(ies), his or her estate will be the successor beneficiary. In no event will the successor beneficiary beneficiary(ies) be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ IRA beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ IRA owner take total distribution of all ▇▇▇▇ ▇▇▇ IRA assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇Roth IRA, payments from your ▇▇▇▇ ▇▇▇ Roth IRA will be made to your beneficiaries. We have no obligation Note: Account Proceeds and Securities will be distributed proportionately in kind to pay the beneficiaries according to your beneficiaries until such time we are notified their respective interests. Stifel reserves the right to liquidate so much of your death by receiving a valid death certificateany security that cannot be divided exactly in the proportion set forth in the Beneficiary Designation Form. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇Roth IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each Unless otherwise specified, each beneficiary designation you file with us will cancel all previous designationsones. The consent of your beneficiaries will a beneficiary(ies) shall not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary beneficiary(ies) survives you, the contingent beneficiaries will beneficiary(ies) shall acquire the designated share of your ▇▇▇▇ ▇▇▇Roth IRA. If you do not designate desig- nate a beneficiary beneficiary, or if all of your primary and contingent beneficiaries beneficiary(ies) predecease you, your estate will be the beneficiary. If your surviving A spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ beneficiary shall have all rights as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulationsRegulations to treat your Roth IRA as his or her own. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary Roth IRA beneficiary(ies) (the beneficiary beneficiary(ies) who is entitled to receive distributions distribution(s) from an inherited ▇▇▇▇ ▇▇▇ Roth IRA at the time of your death) to name a successor beneficiaries beneficiary(ies) for the inherited ▇▇▇▇ ▇▇▇Roth IRA. This designation can only be made on a form provided pro- vided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylawsRoth IRA beneficiary’s(ies’), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇, payments from your ▇▇▇▇ ▇▇▇ will be made to your beneficiaries. We have no obligation Note: Account Proceeds and Securities will be distributed proportionately in kind to pay the beneficiaries according to your beneficiaries until such time we are notified their respective interests. Stifel reserves the right to liquidate so much of your death by receiving a valid death certificateany security that cannot be divided exactly in the proportion set forth in the Beneficiary Designation Form. You may designate one or more persons or entities as beneficiary benefi- ciary of your ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective ef- fective when it is filed with us during your lifetime. Each Unless oth- erwise specified, each beneficiary designation you file with us will cancel all previous designationsones. The consent of your beneficiaries will a beneficiary(ies) shall not be required for you to revoke a beneficiary designationdesigna- tion. If you have designated both primary and contingent beneficiaries and no primary beneficiary beneficiary(ies) survives you, the contingent beneficiaries will beneficiary(ies) shall acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary beneficiary, or if all of your primary and contingent beneficiaries beneficiary(ies) predecease you, your estate will be the beneficiary. If your surviving A spouse is beneficiary shall have all rights as granted under the designated beneficiary, your spouse may elect Code or applicable Regulations to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulationsown. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) (the beneficiary beneficiary(ies) who is entitled to receive distributions distribution(s) from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name a successor beneficiaries beneficiary(ies) for the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided pro- vided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s beneficiary’s(ies’) lifetime. Each Unless otherwise specified, each beneficiary designation desig- nation form that the original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) files with us will cancel all previous designationsones. The consent of a successor beneficiary will beneficiary(ies) shall not be required for the original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) to revoke a successor beneficiary beneficiary(ies) designation. If the original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) does not designate a successor beneficiarybeneficiary(ies), his or her estate will be the successor beneficiary. In no event will shall the successor beneficiary succes- sor beneficiary(ies) be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so chooseThe minor shall be deemed to be a minor until such Benefi- ciary reaches 1) the age of majority under the law of the state of the minor’s domicile or 2) a later age for termination of minor status, for any reason (e.g.if state law allows, due but in no event later than age 25, as designated by the Investor in the Beneficiary designa- tion accepted by the Custodian. Minors are not legally able to limitations of our charter or bylaws)sign contracts, we may require that a beneficiary of a deceased including ac- count agreements to open an Inherited Beneficiary ▇▇▇▇ ▇▇▇ owner take total distribution of all account. If you fail to name an UTMA custodian, then a Legal Guardian, Conservator, or other legal representative will have to be appointed by the appropriate court. The appropriate court-appointed representative would then have the right to act as the guardian/ custodian for the minor and open the Inherited Beneficiary ▇▇▇▇ ▇▇▇. Please seek competent legal advice before making such a designation. by representation (▇▇▇ assets ▇▇▇▇▇▇▇). The shares distributable to descendants under a per stirpes beneficiary designation shall be determined by December 31 the law of the year following state of the year account owner’s residence at the time of the account owner’s death.. Stifel, in its sole discretion, may determine not to make a distribution of the account to per stirpes or other unnamed beneficiaries unless and until Stifel has been instructed by the deceased account owner’s court-appointed personal representative (e.g., executor, administrator) regarding the persons entitled to receive per stirpes distribution and their respective shares. The account owner agrees, on behalf of himself or herself

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇IRA, payments from your ▇▇▇▇ ▇▇▇ IRA will be made to your beneficiariesbeneficiary(ies). We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each Unless otherwise specified each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries beneficiary(ies) will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary beneficiary(ies) survives you, the contingent beneficiaries beneficiary(ies) will acquire the designated share of your ▇▇▇▇ ▇▇▇IRA. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your spouse will be the beneficiary, or if there is no spouse living at the time of your death, your estate will be the beneficiary. If your surviving A spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ beneficiary will have all rights as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulationsregulations to treat your IRA as his or her own. If the beneficiary designated to receive payments hereunder is a minor or person of unsound mind, whether so formally adjudicated or not, we may, at our discretion, make such payments to such person as may be acting as parent, guardian, committee, conservator, trustee or legal representative of such minor or incompetent and the receipt by any such person as selected by us shall be a full and complete discharge of us for any sums so paid. We reserve the right to, at our discretion, deposit funds in a special savings account established in our name as Custodian for a beneficiary when within six months after any payment is due because we cannot ascertain the whereabouts on our records, and such beneficiary has not submitted a written claim for such payment before the expiration of said six-month period. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary IRA beneficiary(ies) (the beneficiary beneficiary(ies) who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ IRA at the time of your death) to name successor beneficiaries beneficiary(ies) for the inherited ▇▇▇▇ ▇▇▇IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s IRA beneficiary’s(ies’) lifetime. Each Unless it is otherwise specified, each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary IRA beneficiary(ies) files with us will cancel all previous designationsones. The consent of a successor beneficiary beneficiary(ies) will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary IRA beneficiary(ies) to revoke a successor beneficiary beneficiary(ies) designation. If the original ▇▇▇▇ ▇▇▇ beneficiary IRA beneficiary(ies) does not designate a successor beneficiarybeneficiary(ies), his or her estate will be the successor beneficiary. In no event will the successor beneficiary beneficiary(ies) be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ IRA beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ IRA owner take total distribution of all ▇▇▇▇ ▇▇▇ IRA assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all Following the death of the amounts Participant, the balance of the Participant’s Custodial Account shall be distributed to the Participant’s designated Beneficiary or Beneficiaries, if any, in your ▇▇▇▇ ▇▇▇accordance with the provisions of Article IV of the Plan and in accordance with the Custodian’s administrative or operational requirements and regular business practices. A Participant may designate a Beneficiary or Beneficiaries of the Custodial Account at any time, payments from your ▇▇▇▇ ▇▇▇ and any such designation may be changed or revoked at any time, by written designation executed by the Participant in a form and manner prescribed by or acceptable to, and filed with, the Custodian. Such designation, change, or revocation shall be etfective only upon receipt by the Custodian and only if such receipt shall be during the Participant’s lifetime. The latest such designation, change, or revocation shall control. If there is no Beneficiary designation on file with the Custodian, or if the designated Beneficiary has not survived the Participant, the Custodian shall distribute the Custodial Account to the survivors of the Participant in the following order of preference: (i) The Participant’s surviving spouse, if any (ii) The Participant’s children, if any, in equal shares per stirpes (iii) The Participant’s estate If the Participant designates more than one primary or contingent Beneficiary but does not specify the percentages to which such Beneficiary or Beneficiaries are entitled, payment will be made to your beneficiariesthe surviving Beneficiary or Beneficiaries in equal shares. We have no obligation to pay to your beneficiaries until such time we are notified of your death Unless otherwise designated by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only be made on the Participant in a form provided by or and manner acceptable to usthe Custodian, if a primary or contingent Beneficiary designated by the Participant predeceases the Participant, the Account will be divided equally among the surviving Beneficiary or Beneficiaries. Unless otherwise designated by the Participant in a form and it will only be effective when it manner acceptable to the Custodian, if there is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary Beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ Beneficiaries living at the time of your the Participant’s death) to name successor beneficiaries for , payment of the inherited ▇▇▇▇ ▇▇▇. This designation can only Participant’s Account upon his or her death will be made on to the surviving contingent Beneficiary or Beneficiaries designated by the Participant. Unless otherwise specified in the Participant’s Designation of Beneficiary, if a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary Beneficiary does not designate a successor beneficiarypredecease the Participant but dies before receiving his or her entire interest in the Custodial Account, his or her estate will remaining interest in the Custodial Account shall be paid to the successor beneficiary. In no event will Beneficiary or Beneficiaries designated by the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiarydeceased Beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 there is no Beneficiary designation of the year deceased Beneficiary on file with the Custodian, the Custodian shall distribute the Custodial Account to the survivors of the deceased Beneficiary in the following order of preference: (i) The deceased Beneficiary’s surviving spouse, if any (ii) The deceased Beneficiary’s children, if any, in equal shares per stirpes (iii) The deceased Beneficiary’s estate If the year Custodian is unable to make a distribution to a Participant, a Beneficiary, or other distributee because the Custodian cannot ascertain such distributee’s whereabouts by writing to the last known mailing address shown on the Custodian’s records, if any, the Custodian may hold the proceeds in a noninterest- bearing account until such funds escheat by operation of deathlaw. The Beneficiary or Beneficiaries are responsible to ensure that distributions are made in accordance with the provisions of Article IV of the Plan.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇SIMPLE IRA, payments from your ▇▇▇▇ ▇▇▇ SIMPLE IRA will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇SIMPLE IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇SIMPLE IRA. If you do not designate a beneficiary or if all If, at the time of your primary and contingent beneficiaries predecease death, either (i) no such designation is in effect or (ii) there is no beneficiary who survives you, your estate will the beneficiary shall be the beneficiary. If your surviving spouse or, if there is no surviving spouse, then your estate. The last designation received and accepted by the designated beneficiaryCustodian prior to your death (the “designation of record”) shall be controlling and, whether or not it fully disposes of the custodial account, shall revoke all other such designations previously mad by you and received by the Custodian. If the designation of record on file with the Custodian does not appear to fully dispose of the custodial account, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse or, if there is no surviving spouse, then your estate shall be the beneficiary of any undisposed of portion of the custodial account or of any portion of the custodial account for which the identity of the beneficiary is, in the opinion of the Custodian, unclear. A spouse beneficiary will also be entitled to such additional beneficiary payment options have all rights as are granted under the Code or applicable regulationsregulations to treat your SIMPLE IRA as his or her own. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ SIMPLE IRA beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ SIMPLE IRA at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇SIMPLE IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ SIMPLE IRA beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ SIMPLE IRA beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ SIMPLE IRA beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ SIMPLE IRA beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ SIMPLE IRA beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ SIMPLE IRA owner take total distribution of all ▇▇▇▇ ▇▇▇ SIMPLE IRA assets by December 31 of the year following the year of death.

Beneficiaries. Unless indicated otherwise on the application, the responsible individual may not change the designated beneficiary. If you die before you receive all the depositor has indicated on the application that the responsible individual may change the beneficiary designated under this agreement and the responsible individual chooses to do so, the responsible individual must designate a member of the amounts family (as defined in your ▇▇▇▇ ▇▇▇, payments from your ▇▇▇▇ ▇▇▇ will IRC Section 529(e)(2)) of the existing designated beneficiary. This designation can only be made to your beneficiarieson a form prescribed by the custodian. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You The depositor or responsible individual may designate one or more persons or entities as beneficiary death beneficiaries of your this ▇▇▇▇▇▇▇▇▇ ▇▇▇ESA. This designation can only be made on a form provided by or acceptable to usthe custodian, and it will only be effective when it is filed with us the custodian during your lifetimethe lifetime of the designated beneficiary. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us custodian will cancel all previous designations. The consent of a successor death beneficiary will not be required for in order to revoke a death beneficiary designation. If both primary and contingent death beneficiaries have been named, and no primary death beneficiary survives the original designated beneficiary, the contingent death beneficiaries will acquire the designated share of this ▇▇▇▇▇▇▇▇▇ ESA. If a death beneficiary is not designated with respect to this ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇▇▇▇ ▇▇▇ beneficiary does not designate a successor ESA, or if all of the primary and contingent death beneficiaries predecease the designated beneficiary, his or her the designated beneficiary’s estate will be the successor death beneficiary. In no event will If the successor designated beneficiary be able to extend dies before receiving all of the distribution period beyond that required for the original amounts in this ▇▇▇▇▇▇▇▇▇ ESA, the custodian will have no obligation to pay to the death beneficiaries until such time the custodian is notified of the designated beneficiary’s death by receiving a valid death certificate. Any balance remaining in the ▇▇▇▇▇▇▇▇▇ ESA Form 5305-EA under section 530 of the Internal Revenue Code. upon the death of the designated beneficiary will be distributed within 30 days of the designated beneficiary’s death, unless a qualified family member under age 30 is named as a death beneficiary. If we so choosethe death beneficiary is a qualified family member under age 30, that individual will become the designated beneficiary as of the original designated beneficiary’s date of death. Qualified family members are defined in IRC Section 529(e)(2). The custodian may, for any reason (e.g., due to limitations of our its charter or bylaws), we may require that a qualified family member who becomes the designated beneficiary to take a total distribution of a deceased the ▇▇▇▇▇▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets ESA by December 31 of the year following the year of the original designated beneficiary’s death.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ SIMPLE ▇▇▇, payments from your ▇▇▇▇ SIMPLE ▇▇▇ will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ SIMPLE ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ SIMPLE ▇▇▇. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving A spouse is beneficiary will have all rights as granted under the designated beneficiary, your spouse may elect Code or applicable regulations to treat your ▇▇▇▇ SIMPLE ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulationsown. We may allow, if permitted by state law, an original ▇▇▇▇ SIMPLE ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ SIMPLE ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ SIMPLE ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ SIMPLE ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ SIMPLE ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ SIMPLE ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ SIMPLE ▇▇▇ beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ SIMPLE ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ SIMPLE ▇▇▇ owner take total distribution of all ▇▇▇▇ SIMPLE ▇▇▇ assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇HSA, payments from your ▇▇▇▇ ▇▇▇ HSA will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇HSA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇HSA. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving spouse acquires the interest in this HSA by reason of being the beneficiary at your death, this HSA (or in accordance with rules established by the IRS, the relevant portion thereof) will be treated as if the surviving spouse is the designated beneficiaryaccount owner. If the beneficiary is not your spouse, the HSA (or in accordance with rules established by the IRS, the relevant portion thereof) will cease to be an HSA as of the date of your spouse may elect death. Upon learning of your death, we may, in our complete and sole discretion, make a final distribution to treat a beneficiary (other than your ▇▇▇▇ ▇▇▇ as spouse) of his or her own ▇▇▇▇ ▇▇▇, and would not be subject to interest in the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇HSA. This designation can only distribution may be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during without the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form consent and may be placed in an interest‐bearing (or similar) account that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇, payments from your ▇▇▇▇ ▇▇▇ will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with and accepted by us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. If you designate your spouse as a beneficiary, your designation will automatically be void upon the dissolution of your marriage by divorce or annulment. Upon your death, we will pay your IRA as if your ex-spouse predeceased you, unless the decree of divorce or other legal document dissolving your marriage designates your spouse as a beneficiary and a copy of that document is provided to us prior to our distribution of your IRA. If you want to continue to designate your ex-spouse as a beneficiary of your IRA, you must file a new beneficiary designation with us, dated after the date of dissolution of your marriage, designating your ex-spouse as beneficiary. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with and accepted by us during the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of death. written notice to the other. We can resign as custodian at any time effective 30 days after we send written notice of our resignation to you. Upon receipt of that notice, you must make arrangements to transfer your ▇▇▇▇ ▇▇▇ to another financial organization. If you do not complete a transfer of your ▇▇▇▇ ▇▇▇ within 30 days from the date we send the notice to you, we have the right to transfer your ▇▇▇▇ ▇▇▇ assets to a successor ▇▇▇▇ ▇▇▇ trustee or custodian that we choose in our sole discretion, or we may pay your ▇▇▇▇ ▇▇▇ to you in a single sum. We will not be liable for any actions or failures to act on the part of any successor trustee or custodian, nor for any tax consequences you may incur that result from the transfer or distribution of your assets pursuant to this section. If this agreement is terminated, we may charge to your ▇▇▇▇ ▇▇▇ a reasonable amount of money that we believe is necessary to cover any associated costs, including but not limited to one or more of the following. • Any fees, expenses, or taxes chargeable against your ▇▇▇▇ ▇▇▇ • Any penalties or surrender charges associated with the early withdrawal of any savings instrument or other investment in your ▇▇▇▇ ▇▇▇ If we are a nonbank custodian required to comply with Regulations section 1.408-2(e) and we fail to do so or we are not keeping the records, making the returns, or sending the statements as are required by forms or regulations, the IRS may require us to substitute another trustee or custodian. We may establish a policy requiring distribution of the entire balance of your ▇▇▇▇ ▇▇▇ to you in cash or property if the balance of your ▇▇▇▇ ▇▇▇ drops below the minimum balance required under the applicable investment or policy established.

Beneficiaries. If you die before you receive all A Participant may designate a Beneficiary or Beneficiaries of the amounts Account at any time and any such designation may be changed or revoked at any time, by written designation executed by the Participant in your ▇▇▇▇ ▇▇▇a form and manner prescribed by or acceptable to, payments and filed with, the Custodian. Such designation, change, or revocation shall be effective only upon receipt and acceptance by the Custodian and only if such receipt shall be during the Participantʼs lifetime. The latest such accepted designation, change, or revocation shall control. Following the death of the Participant, the balance of the Participantʼs Account shall be distributed to the Participantʼs designated Beneficiary or Beneficiaries, if any, in accordance with the provisions of Article IV of the Agreement and in accordance with the Custodianʼs administrative or operational requirements and regular business practices, which may change from your ▇▇▇▇ ▇▇▇ time to time. If the Participant designates more than one primary or contingent Beneficiary but does not specify the percentages to which such Beneficiary or Beneficiaries are entitled, payment will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one the surviving Beneficiary or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designationBeneficiaries in equal shares. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, a Beneficiary does not predecease the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ as Participant but dies before receiving his or her own ▇▇▇▇ ▇▇▇, and would not be subject to entire interest in the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does not designate a successor beneficiaryAccount, his or her estate remaining interest in the Account shall be paid to the Beneficiary or Beneficiaries designated by the deceased Beneficiary. For any allocation where no valid Beneficiary exists, as determined by the Custodian, the Custodian shall distribute the Account in the following order of preference: (1) The Participantʼs surviving spouse, if any, (2) The Participantʼs estate. Under no circumstances may a Participant restrict the right of a Beneficiary to name a successor Beneficiary or Beneficiaries of an inherited Account. Except as otherwise provided in this Agreement or by applicable law or regulations, all rights, duties, obligations and responsibilities of the Participant under the Agreement will extend to the Beneficiaries following the death of the Participant. The Custodian reserves the right to take the steps it deems appropriate in validating Beneficiaries after the Participantʼs death. A. Per Capita. If neither “per capitaˮ nor “per stirpesˮ is selected, the default is “per capita.ˮ For “per capitaˮ designations, if any primary beneficiaries predecease the Participant, their allocation will be split among other primary beneficiaries on a prorated basis. Contingent beneficiaries will only receive assets if all primary beneficiaries predecease the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiaryParticipant. If we so choose, the Participant has not designated the Beneficiaries for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 portion of the year following eligible assets for any reason, including but not limited to the year percentages of eligible designations total less than 100%, or because one or more Beneficiaries is deceased on the Participantʼs date of death, such eligible assets shall be distributed to the primary beneficiaries who survive the Participant in the same proportion that their original shares bear to each other or, if no primary beneficiary is then living, such eligible assets shall be distributed to the contingent beneficiaries who survived the Participant in the same proportion that their original shares bear to each other.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇HSA, payments from your ▇▇▇▇ ▇▇▇ HSA will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇HSA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇HSA. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving spouse acquires the interest in this HSA by reason of being the beneficiary at your death, this HSA (or in accordance with rules established by the IRS, the relevant portion thereof) will be treated as if the surviving spouse is the designated beneficiaryaccount owner. If the beneficiary is not your spouse, the HSA (or in accordance with rules established by the IRS, the relevant portion thereof) will cease to be an HSA as of the date of your spouse may elect death. Upon learning of your death, we may, in our complete and sole discretion, make a final distribution to treat a beneficiary (other than your ▇▇▇▇ ▇▇▇ as spouse) of his or her own ▇▇▇▇ ▇▇▇, and would not be subject to interest in the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇HSA. This designation can only distribution may be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during without the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form consent and may be placed in an interest−bearing (or similar) account that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇IRA, payments from your ▇▇▇▇ ▇▇▇ IRA will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇IRA. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, if applicable, your living spouse will be your beneficiary. If you do not have a living spouse, your estate will be the beneficiary. If your surviving A spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ beneficiary will have all rights as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulationsregulations to treat your IRA as his or her own. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ IRA beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ IRA at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ IRA beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ IRA beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ IRA beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ IRA beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ IRA beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ IRA owner take total distribution of all ▇▇▇▇ ▇▇▇ IRA assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇, payments from your ▇▇▇▇ ▇▇▇ will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇. If At the time of your death, if you do have not designate designated a beneficiary or if all of your primary and contingent beneficiaries predecease youbeneficiary is not alive, your estate the death benefit will be paid in the beneficiaryfollowing order of priority to (1) Your surviving spouse, (2) Your children, including adopted children in equal shares (and if a child is not living, that child's share will be distributed to that child's living descendants), (3) Your surviving parents, in equal shares or (4) Your estate. If your surviving spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If At the time of their death, if the original ▇▇▇▇ ▇▇▇ beneficiary does not designate have a successor beneficiarydesignated beneficiary or the beneficiary is not alive, his or her estate the death benefit will be paid in the successor beneficiaryfollowing order of priority to (1) Your surviving spouse, (2) Your children, including adopted children in equal shares (and if a child is not living, that child's share will be distributed to that child's living descendants), (3) Your surviving parents, in equal shares or (4) Your estate. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all A Participant may designate a Beneficiary or Beneficiaries of the amounts Account at any time and any such designation may be changed or revoked at any time, by written designation executed by the Participant in your ▇▇▇▇ ▇▇▇a form and manner prescribed by or acceptable to, payments and filed with, the Custodian. Such designation, change, or revocation shall be effective only upon receipt and acceptance by the Custodian and only if such receipt shall be during the Participantʼs lifetime. The latest such accepted designation, change, or revocation shall control. Following the death of the Participant, the balance of the Participantʼs Account shall be distributed to the Participantʼs designated Beneficiary or Beneficiaries, if any, in accordance with the provisions of Article IV of the Agreement and in accordance with the Custodianʼs administrative or operational requirements and regular business practices, which may change from your ▇▇▇▇ ▇▇▇ time to time. If the Participant designates more than one primary or contingent Beneficiary but does not specify the percentages to which such Beneficiary or Beneficiaries are entitled, payment will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one the surviving Beneficiary or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designationBeneficiaries in equal shares. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, a Beneficiary does not predecease the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ as Participant but dies before receiving his or her own ▇▇▇▇ ▇▇▇, and would not be subject to entire interest in the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does not designate a successor beneficiaryAccount, his or her estate remaining interest in the Account shall be paid to the Beneficiary or Beneficiaries designated by the deceased Beneficiary. For any allocation where no valid Beneficiary exists, as determined by the Custodian, the Custodian shall distribute the Account in the following order of preference: (1) The Participantʼs surviving spouse, if any, (2) The Participantʼs estate. Under no circumstances may a Participant restrict the right of a Beneficiary to name a successor Beneficiary or Beneficiaries of an inherited Account. Except as otherwise provided in this Agreement or by applicable law or regulations, all rights, duties, obligations and responsibilities of the Participant under the Agreement will extend to the Beneficiaries following the death of the Participant. The Custodian reserves the right to take the steps it deems appropriate in validating Beneficiaries after the Participantʼs death. A. Per Capita. If neither “per capitaˮ nor “per stirpesˮ is selected, the default is “per capita.ˮ For “per capitaˮ designations, if any primary beneficiaries predecease the Participant, their allocation will be split among other primary beneficiaries on a prorated basis. Contingent beneficiaries will only receive assets if all primary beneficiaries predecease the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiaryParticipant. If we so choose, the Participant has not designated the Beneficiaries for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 portion of the year following eligible assets for any reason, including but not limited to the year percentages of eligible designations total less than 100%, or because one or more Beneficiaries is deceased on the Participantʼs date of death, such eligible assets shall be distributed to the primary beneficiaries who survive the Participant in the same proportion that their original shares bear to each other or, if no primary beneficiary is then living, Altruist Corp 6 such eligible assets shall be distributed to the contingent beneficiaries who survived the Participant in the same proportion that their original shares bear to each other.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇, payments from your ▇▇▇▇ ▇▇▇ will be made to your beneficiaries. We have no obligation Note: Account Proceeds and Securities will be distributed proportionately in kind to pay the beneficiaries according to your beneficiaries until such time we are notified their respective interests. Stifel reserves the right to liquidate so much of your death by receiving a valid death certificateany security that cannot be divided exactly in the proportion set forth in the Beneficiary Designation Form. You may designate one or more persons or entities as beneficiary benefi- ciary of your ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective ef- fective when it is filed with us during your lifetime. Each Unless oth- erwise specified, each beneficiary designation you file with us will cancel all previous designationsones. The consent of your beneficiaries will a beneficiary(ies) shall not be required for you to revoke a beneficiary designationdesigna- tion. If you have designated both primary and contingent beneficiaries and no primary beneficiary beneficiary(ies) survives you, the contingent beneficiaries will beneficiary(ies) shall acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary beneficiary, or if all of your primary and contingent beneficiaries beneficiary(ies) predecease you, your estate will be the beneficiary. If your surviving A spouse is beneficiary shall have all rights as granted under the designated beneficiary, your spouse may elect Code or applicable Regulations to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulationsown. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) (the beneficiary beneficiary(ies) who is entitled to receive distributions distribution(s) from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name a successor beneficiaries beneficiary(ies) for the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided pro- vided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s beneficiary’s(ies’) lifetime. Each Unless otherwise specified, each beneficiary designation desig- nation form that the original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) files with us will cancel all previous designationsones. The consent of a successor beneficiary will beneficiary(ies) shall not be required for the original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) to revoke a successor beneficiary beneficiary(ies) designation. If the original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) does not designate a successor beneficiarybeneficiary(ies), his or her estate will be the successor beneficiary. In no event will shall the successor beneficiary succes- sor beneficiary(ies) be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇, payments from your ▇▇▇▇ ▇▇▇ will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each Unless otherwise specified, each beneficiary designation you file with us will cancel all previous designationsones. The consent of your beneficiaries will a beneficiary(ies) shall not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary beneficiary(ies) survives you, the contingent beneficiaries will beneficiary(ies) shall acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate desig- nate a beneficiary beneficiary, or if all of your primary and contingent beneficiaries beneficiary(ies) predecease you, your estate will be the beneficiary. If your surviving A spouse is beneficiary shall have all rights as granted under the designated beneficiary, your spouse may elect Code or applicable Regulations to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulationsown. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) (the beneficiary beneficiary(ies) who is entitled to receive distributions distribution(s) from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name a successor beneficiaries beneficiary(ies) for the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s beneficiary’s(ies’) lifetime. Each Unless otherwise specified, each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) files with us will cancel all previous designationsones. The consent of a successor beneficiary will beneficiary(ies) shall not be required for the original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) to revoke a successor beneficiary beneficiary(ies) designation. If the original ▇▇▇▇ ▇▇▇ beneficiary beneficiary(ies) does not designate a successor beneficiarybeneficiary(ies), his or her estate will be the successor beneficiary. In no event will shall the successor beneficiary beneficiary(ies) be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇IRA, payments from your ▇▇▇▇ ▇▇▇ IRA will be made to your beneficiariesbeneficiary(ies). We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each Unless otherwise specified each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries beneficiary(ies) will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary beneficiary(ies) survives you, the contingent beneficiaries beneficiary(ies) will acquire the designated share of your ▇▇▇▇ ▇▇▇IRA. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your spouse will be the beneficiary, or if there is no spouse living at the time of your death, your estate will be the beneficiary. If your surviving A spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ beneficiary will have all rights as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulationsregulations to treat your IRA as his or her own. If the beneficiary designated to receive payments hereunder is a minor or person of unsound mind, whether so formally adjudicated or not, we may, at our discretion, make such payments to such person as may be acting as parent, guardian, committee, conservator, trustee or legal representative of such minor or incompetent and the receipt by any such person as selected by us shall be a full and complete discharge of us for any sums so paid. We reserve the right to, at our discretion, deposit funds in a special savings account established in our name as Custodian for a beneficiary when within six months after any payment is due because we cannot ascertain the whereabouts on our records, and such beneficiary has not submitted a written claim for such payment before the expiration of said six-month period. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary IRA beneficiary(ies) (the beneficiary beneficiary(ies) who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ IRA at the time of your death) to name successor beneficiaries beneficiary(ies) for the inherited ▇▇▇▇ ▇▇▇IRA. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s IRA beneficiary's(ies') lifetime. Each Unless it is otherwise specified, each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary IRA beneficiary(ies) files with us will cancel all previous designationsones. The consent of a successor beneficiary beneficiary(ies) will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary IRA beneficiary(ies) to revoke a successor beneficiary beneficiary(ies) designation. If the original ▇▇▇▇ ▇▇▇ beneficiary IRA beneficiary(ies) does not designate a successor beneficiarybeneficiary(ies), his or her estate will be the successor beneficiary. In no event will the successor beneficiary beneficiary(ies) be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiaryIRAbeneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ IRA owner take total distribution of all ▇▇▇▇ ▇▇▇ IRA assets by December 31 of the year following the year of death.

Beneficiaries. If you die before you receive all of the amounts in your ▇▇▇▇ ▇▇▇, payments from your ▇▇▇▇ ▇▇▇ will be made to your beneficiaries. We have no obligation to pay to your beneficiaries until such time we are notified of your death by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ at the time of your death) to name successor beneficiaries for the inherited ▇▇▇▇ ▇▇▇. This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary. In no event will the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 of the year following the year of death.death.‌‌‌‌‌‌‌

Beneficiaries. If you die before you receive all Following the death of the amounts Participant, the balance of the Participant’s Account shall be distributed to the Participant’s designated Beneficiary or Beneficiaries, if any, in your ▇▇▇▇ ▇▇▇accordance with the provisions of Article IV of the Plan and in accordance with the Custodian’s administrative or operational requirements and regular business practices. A Participant may designate a Beneficiary or Beneficiaries of the Account at any time, payments from your ▇▇▇▇ ▇▇▇ and any such designation may be changed or revoked at any time, by written designation executed by the Participant in a form and manner prescribed by or acceptable to, and filed with, the Custodian. Such designation, change, or revocation shall be effective only upon receipt by the Custodian and only if such receipt shall be during the Participant’s lifetime. The latest such designation, change, or revocation shall control. If there is no Beneficiary designation on file with the Custodian, or if the designated Beneficiary has not survived the Participant, the Custodian shall distribute the Custodial Account to the survivors of the Participant in the following order of preference: (i) The Participant’s surviving spouse, if any (ii) The Participant’s children, if any, in equal shares per stirpes (iii) The Participant’s estate If the Participant designates more than one primary or contingent Beneficiary but does not specify the percentages to which such Beneficiary or Beneficiaries is entitled, payment will be made to your beneficiariesthe surviving Beneficiary or Beneficiaries in equal shares. We have no obligation to pay to your beneficiaries until such time we are notified of your death Unless otherwise designated by receiving a valid death certificate. You may designate one or more persons or entities as beneficiary of your ▇▇▇▇ ▇▇▇. This designation can only be made on the Participant in a form provided by or and manner acceptable to usthe Custodian, if a primary or contingent Beneficiary designated by the Participant predeceases the Participant, the Account will be divided equally among the surviving Beneficiary or Beneficiaries. Unless otherwise designated by the Participant in a form and it will only be effective when it manner acceptable to the Custodian, if there is filed with us during your lifetime. Each beneficiary designation you file with us will cancel all previous designations. The consent of your beneficiaries will not be required for you to revoke a beneficiary designation. If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your ▇▇▇▇ ▇▇▇. If you do not designate a beneficiary Beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary. If your surviving spouse is the designated beneficiary, your spouse may elect to treat your ▇▇▇▇ ▇▇▇ as his or her own ▇▇▇▇ ▇▇▇, and would not be subject to the required minimum distribution rules. Your surviving spouse will also be entitled to such additional beneficiary payment options as are granted under the Code or applicable regulations. We may allow, if permitted by state law, an original ▇▇▇▇ ▇▇▇ beneficiary (the beneficiary who is entitled to receive distributions from an inherited ▇▇▇▇ ▇▇▇ Beneficiaries living at the time of your the Participant’s death) to name successor beneficiaries for , payment of the inherited ▇▇▇▇ ▇▇▇. This designation can only Participant’s Account upon his or her death will be made on to the surviving contingent Beneficiary or Beneficiaries designated by the Participant. Unless otherwise specified in the Participant’s Designation of Beneficiary, if a form provided by or acceptable to us, and it will only be effective when it is filed with us during the original ▇▇▇▇ ▇▇▇ beneficiary’s lifetime. Each beneficiary designation form that the original ▇▇▇▇ ▇▇▇ beneficiary files with us will cancel all previous designations. The consent of a successor beneficiary will not be required for the original ▇▇▇▇ ▇▇▇ beneficiary to revoke a successor beneficiary designation. If the original ▇▇▇▇ ▇▇▇ beneficiary Beneficiary does not designate a successor beneficiarypredecease the Participant but dies before receiving his or her entire interest in the Account, his or her estate will remaining interest in the Account shall be paid to the successor beneficiary. In no event will Beneficiary or Beneficiaries designated by the successor beneficiary be able to extend the distribution period beyond that required for the original ▇▇▇▇ ▇▇▇ beneficiarydeceased Beneficiary. If we so choose, for any reason (e.g., due to limitations of our charter or bylaws), we may require that a beneficiary of a deceased ▇▇▇▇ ▇▇▇ owner take total distribution of all ▇▇▇▇ ▇▇▇ assets by December 31 there is no Beneficiary designation of the year deceased Beneficiary on file with the Custodian, the Custodian shall distribute the Account to the survivors of the deceased Beneficiary in the following order of preference: (i) The deceased Beneficiary’s surviving spouse, if any (ii) The deceased Beneficiary’s children, if any, in equal shares per stirpes (iii) The deceased Beneficiary’s estate If the year Custodian is unable to make a distribution to a Participant, a Beneficiary, or other distributee because the Custodian cannot ascertain such distributee’s whereabouts by writing to the last known mailing address shown on the Custodian’s records, if any, the Custodian may hold the proceeds in a non-interest- bearing account until such funds escheat by operation of deathlaw. The Beneficiary or Beneficiaries are responsible to ensure that distributions are made in accordance with the provisions of Article IV of the Plan.