IRA Clause Samples

IRA. Rate Information — Your interest rate and annual percentage yield will remain in effect until the first maturity date. Compounding Frequency — Interest will be compounded continuously. Crediting Frequency — Interest will be credited to your account every month. Effect of Closing an Account — If you close your account before interest is credited, you will not receive the accrued interest. Minimum Balance to Open the Account — You must deposit $250 to open this account. Minimum Balance to Obtain the Annual Percentage Yield Disclosed — You must maintain a minimum balance of $250 in the account each day to obtain the disclosed annual percentage yield. Daily Balance Computation Method — We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of Interest on Noncash Deposits — Interest begins to accrue on the business day you deposit noncash items (for example, checks). Transaction Limitations: Withdrawal of Interest Prior to Maturity — The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Automatically Renewable Time Account — This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least thirty (30) days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. (REVISION DATE JULY 2010) FACTS WHAT DOES ▇▇▇▇▇▇▇ BANK DO WITH YOUR PERSONAL INFORMATION? REASONS WE CAN SHARE YOUR PERSONAL INFORMATION DOES ▇▇▇▇▇▇▇ BANK SHARE? CAN YOU LIMIT THIS SHARING?

IRA. IF MORE THAN ONE SUBSCRIBER, EACH SUBSCRIBER MUST S▇▇▇. INDIVIDUAL SUBSCRIBERS MUST COMPLETE PAGE C-11. SUBSCRIBERS WHICH ARE ENTITIES MUST COMPLETE PAGE C-12. EXECUTION BY NATURAL PERSONS -------------------------------------------------------------------------------- Exact Name in Which Title is to be Held ----------------------------------- ----------------------------------- Name (Please Print) Name of Additional Purchaser ----------------------------------- ----------------------------------- Residence: Number and Street Address of Additional Purchaser ----------------------------------- ----------------------------------- City, State and Zip Code City, State and Zip Code ----------------------------------- ----------------------------------- Social Security Number Social Security Number

IRA. An individual retirement account or annuity qualified under Code §§408 or 408A (other than an endowment contract).

IRA. The Danville Community School Corporation will provide payroll deduction for those individual teachers who are interested in participating in an Individual Retirement Account. The Corporation will not participate financially in the program. The Association shall select a single financial institution where the IRA accounts shall be established.

IRA. A traditional IRA is established by an individual, under Section 408(a) or 408(b) of the Code. See also ▇▇▇▇ IRAs below.

IRA. Individual Retirement Accounts (IRAs) are governed by a separate contract and by the rules in this Agreement for the type of IRA savings account opened.

IRA. Subject to Section 8.5(e) (Royalty Floor), if, during the Royalty Term for a Collaboration Product in the U.S., such Collaboration Product is designated as a Selected IRA Drug by the Secretary of the U.S. Department of Health and Human Services, and Novartis, its Affiliate or its or their Sublicensee is required to negotiate a Maximum Fair Price that will apply to sales of such Collaboration Product (the Calendar Quarter in which such designation event occurs, the “Event Quarter”), then, the Base Royalty Rate as applied to the sale of such Collaboration Product in the U.S. after the Event Quarter shall be reduced as follows: A. by [**] percent ([**]%), in the event that in any Calendar Quarter after the Event Quarter, the decline in U.S. Net Sales of such Collaboration Product from the average quarterly Net Sales such Collaboration Product achieved in the U.S. in the four (4) consecutive Calendar Quarters immediately prior to the Event Quarter is equal to or greater than [**] percent ([**]%) but less than [**] percent ([**]%); B. by [**] percent ([**]%), in the event that in any Calendar Quarter after the Event Quarter, the decline in the U.S. Net Sales of such Collaboration Product from the average quarterly Net Sales such Collaboration Product achieved in the U.S. in the four (4) consecutive Calendar Quarters immediately prior to the Event Quarter is equal to or greater than [**] percent ([**]%) but less than [**] percent ([**])%; or C. by [**] percent ([**]%), in the event that in any Calendar Quarter after the Event Quarter, the decline in the average U.S. Net Sales of such Collaboration Product from the average quarterly Net Sales such Collaboration Product achieved in the U.S. in the four (4) consecutive Calendar Quarters immediately prior to the Event Quarter is equal to or greater than [**] percent ([**])%.

IRA. Investments must be in one or more of the Fund(s) available from time to time as listed in the Adoption Agreement for your IRA or in an investment selection form provided with your Adoption Agreement or from the Transfer Agent. You direct the investment of your IRA by giving your investment instructions to the Transfer Agent for the Fund(s) as described in the Fund prospectus. Since you control the investment of your IRA, you are responsible for any losses; neither the exercise of investment control. Transactions for your IRA will generally be at the applicable public offering price or net asset value for shares of the Fund(s) involved next established after the Transfer Agent receives proper and timely investment instructions from you. You should consult the current prospectus for the Madison Funds for additional information. Before making any investment, you should review the current prospectus for any Fund you are considering as an investment for your IRA. The prospectus will contain information about the Fund’s investment objectives and policies, as well as any minimum initial investment or minimum balance requirements, any restrictions or limitations on transferring into or out of the Fund, and any sales, redemption or other charges. The method for computing and allocating annual earnings is set forth in the prospectus. In the prospectus, refer the section on “Distributions and Taxes”. Because you control the selection of investments for your IRA and because mutual fund shares fluctuate in value, the growth in value of your IRA cannot be guaranteed or projected. The tax-exempt status of your IRA will be revoked if you engage in any of the prohibited transactions listed in Section 4975 of the tax code. Upon such revocation, your IRA is treated as distributing its assets to you. The taxable portion of the amount in your IRA will be subject to income tax (unless, in the case of a ▇▇▇▇ ▇▇▇, the requirements for a tax-free withdrawal are satisfied). Also, you may be subject to a 10% penalty tax on the taxable amount as a premature withdrawal if you have not yet reached the age of 59 ½. There may also be prohibited transaction penalty taxes. Any investment in a collectible (for example, rare stamps) by your IRA is treated as a withdrawal; the only exception involves certain types of government-sponsored coins or certain types of precious metal bullion. Generally, a prohibited transaction is any improper use of the assets in your IRA. Some examples of prohib...

IRA. IF MORE THAN ONE SUBSCRIBER, EACH SUBSCRIBER MUST SIGN. INDIVIDUAL SUBSCRIBERS MUST COMPLETE PAGE C-11. SUBSCRIBERS WHICH ARE ENTITIES MUST COMPLETE PAGE C-12.