Common use of Amendments and Termination Clause in Contracts

Amendments and Termination. The Custodian may amend this Agreement at any time to comply with legal and regulatory changes and to modify the Agreement as the Custodian determines advisable. Any such amendment will be sent to the Depositor at the last known address on file with the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. At the Depositor’s discretion, the Depositor may direct that the Custodial Account be transferred to another trustee or custodian. The Custodian will not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination to the Custodian in a form and manner acceptable to the Custodian. As of the date of the termination notice, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian within 30 days of the termination notice, and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Custodian may resign at any time by providing 30 days written notice to the Depositor. Upon receiving such written notice, the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance of the Custodial Account, the Custodian shall transfer the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed and no distribution instructions are provided by the Depositor, the Custodian may, in its own discretion, select a successor trustee or custodian and transfer the Custodial Account, less any applicable fees or penalties, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. By establishing an individual retirement account with the Custodian, the Depositor agrees to substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwise.

Amendments and Termination. The Custodian may amend this Agreement at any time to comply with legal and regulatory changes and to modify the Agreement as the Custodian determines advisable. Any such amendment will be sent to the Depositor at the last known address on file with the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. The Depositor shall be deemed to have consented to any such amendment unless the Depositor notifies the Custodian to the contrary within 30 days after the notice is sent to the Depositor. At the Depositor’s discretion, the Depositor may direct that the Custodial Account be transferred to another trustee or custodian. The Custodian will not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination to the Custodian in a form and manner acceptable to the Custodian. As of the date of the termination notice, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian within 30 days of the termination notice, and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Custodian may resign at any time by providing 30 days days’ written notice to the Depositor. Upon receiving such written notice, the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance of the Custodial Account, the Custodian shall transfer the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed and no distribution instructions are provided by the Depositor, Depositor does not notify the Custodian may, in its own discretion, select of the appointment of a successor trustee or custodian and transfer within such 30 day period, then the Custodian may distribute all of the assets held by the Custodian in the Custodial AccountAccount (whether in the case of personal or real property, less any applicable fees or penaltieswherever located, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment and regardless of value) to the Depositor. The Custodian , outright and free of trust, and the Depositor shall not be liable wholly responsible for any losses from any actions or inactions the tax and penalty consequences of any successor trustee or custodiansuch distribution. By establishing an individual retirement account with the Custodian, the Depositor agrees to that it will substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, delegate that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwise.

Amendments and Termination. The Custodian may amend this Agreement at any time to comply with legal and regulatory changes and to modify the Agreement as the Custodian determines advisable. Any such amendment will be sent to the Depositor at the last known address on file with the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. The Depositor shall be deemed to have consented to any such amendment unless the Depositor notifies the Custodian to the contrary within 30 days after the notice is sent to the Depositor. At the Depositor’s discretion, the Depositor may direct that the Custodial Account be transferred to another trustee or custodian. The Custodian will not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination to the Custodian in a form and manner acceptable to the Custodian. As of the date of the termination notice, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian within 30 days of the termination notice, and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Custodian may resign at any time by providing 30 days days’ written notice to the Depositor. Upon receiving such written notice, the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance of the Custodial Account, the Custodian shall transfer the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. custodian If no successor trustee or custodian is appointed and no distribution instructions are provided by the Depositor, the Custodian may, in its own discretion, select a successor trustee or custodian and transfer the Custodial Account, less any applicable fees or penalties, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. By establishing an individual retirement account with the Custodian, the Depositor agrees to substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, delegate that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwise.

Amendments and Termination. The Custodian may amend this Agreement at any time to comply with legal and regulatory changes and to modify the Agreement as the Custodian determines advisable. Any such amendment will be sent to the Depositor at the last known address on file with the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. The Depositor shall be deemed to have consented to any such amendment unless the Depositor notifies the Custodian to the contrary within 30 days after the notice is sent to the Depositor. At the Depositor’s discretion, the Depositor may direct that the Custodial Account be transferred to another trustee or custodian. The Custodian will not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination to the Custodian in a form and manner acceptable to the Custodian. As of the date of the termination notice, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian within 30 days of the termination notice, and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Custodian may resign at any time by providing 30 days written notice to the Depositor. Upon receiving such written notice, the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance of the Custodial Account, the Custodian shall transfer the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed and no distribution instructions are provided by the Depositor, the Custodian may, in its own discretion, select a successor trustee or custodian and transfer the Custodial Account, less any applicable fees or penalties, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. By establishing an individual retirement account with the Custodian, the Depositor agrees to substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwise.

Amendments and Termination. The Custodian may amend this Agreement at any time to comply with legal and regulatory changes and to modify the Agreement as the Custodian determines advisable. Any such amendment will be sent to the Depositor at the last known address on file with the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. The Depositor shall be deemed to have consented to any such amendment unless the Depositor notifies the Custodian to the contrary within 30 days after the notice is sent to the Depositor. At the Depositor’s discretion, the Depositor may direct that the Custodial Account be transferred to another trustee or custodian. The Custodian will not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination to the Custodian in a form and manner acceptable to the Custodian. As of the date of the termination notice, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian within 30 days of the termination notice, and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Custodian may resign at any time by providing 30 days written notice to the Depositor. Upon receiving such written notice, the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance of the Custodial Account, the Custodian shall transfer the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed and no distribution instructions are provided by the Depositor, the Custodian may, in its own discretion, select a successor trustee or custodian and transfer the Custodial Account, less any applicable fees or penalties, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. By establishing an individual retirement account with the Custodian, the Depositor agrees to substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwise.

Amendments and Termination. The Custodian may amend this Agreement at any time to comply with legal and regulatory changes and to modify the Agreement as the Custodian determines advisable. Any such amendment will be sent to the Depositor at the last known address on file with the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. The Depositor shall be deemed to have consented to any such amendment unless the Depositor notifies the Custodian to the contrary within 30 days after the notice is sent to the Depositor. At the Depositor’s discretion, the Depositor may direct that the Custodial Account be transferred to another trustee or custodian. The Custodian will not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination to the Custodian in a form and manner acceptable to the Custodian. As of the date of the termination notice, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian within 30 days of the termination notice, and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Custodian may resign at any time by providing 30 days days’ written notice to the Depositor. Upon receiving such written notice, the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance of the Custodial Account, the Custodian shall transfer the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed and no distribution instructions are provided by the Depositor, the Custodian may, in its own discretion, select a successor trustee or custodian and transfer the Custodial Account, less any applicable fees or penalties, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. By establishing an individual retirement account with the Custodian, the Depositor agrees to substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, delegate that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwise.

Amendments and Termination. The Custodian may amend this Agreement at any time to comply with legal and regulatory changes and to modify the Agreement as the Custodian determines advisable. Any such amendment will be sent to the Depositor at the last known address on file with the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. The Depositor shall be deemed to have consented to any such amendment unless the Depositor notifies the Custodian to the contrary within 30 days after the notice is sent to the Depositor. At the Depositor’s discretion, the Depositor may direct that the Custodial Account be transferred to another trustee or custodian. The Custodian will not be liable for any losses from for any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination to the Custodian in a form and manner acceptable to the Custodian. As of the date of the termination notice, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian within 30 days of the termination notice, and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Custodian may resign at any time by providing 30 days days’ written notice to the Depositor. Upon receiving such written notice, the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance of the Custodial Account, the Custodian shall transfer the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed and no distribution instructions are provided by the Depositor, Depositor does not notify the Custodian may, in its own discretion, select of the appointment of a successor trustee or custodian and transfer within such 30 day period, then the Custodian may distribute all of the assets held by the Custodian in the Custodial AccountAccount (whether in the case of personal or real property, less any applicable fees or penaltieswherever located, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment and regardless of value) to the Depositor. The Custodian , outright and free of trust, and the Depositor shall not be liable wholly responsible for any losses from any actions or inactions the tax and penalty consequences of any successor trustee or custodiansuch distribution. By establishing an individual retirement account with the Custodian, the Depositor agrees to that it will substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, delegate that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwise.

Amendments and Termination. The Custodian may amend this Agreement at any time to comply with legal and regulatory changes and to modify the Agreement as the Custodian determines advisable. Any such amendment will be sent to the Depositor at the last known address on file with the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. At the Depositor’s discretion, the Depositor may direct that the Custodial Account be transferred to another trustee or custodian. The Custodian will not be liable for any losses from for any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination to the Custodian in a form and manner acceptable to the Custodian. As of the date of the termination notice, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian within 30 days of the termination notice, and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Custodian may resign at any time by providing 30 days written notice to the Depositor. Upon receiving such written notice, the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance of the Custodial Account, the Custodian shall transfer the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed and or no distribution instructions are provided by the Depositor, the Custodian may, in its own discretion, select a successor trustee or custodian and transfer the Custodial Account, less any applicable fees or penalties, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. By establishing an individual retirement account with the Custodian, the Depositor agrees to you agree that you will substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwise.

Amendments and Termination. The Custodian may amend this Agreement at any time to comply with legal and regulatory changes and to modify the Agreement as the Custodian determines advisable. Any such amendment will be sent to the Depositor at the last known address on file with the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. The Depositor shall be deemed to have consented to any such amendment unless the Depositor notifies the Custodian to the contrary within 30 days after the notices to the Depositor. At the Depositor’s discretion, the Depositor may direct that the Custodial Account be transferred to another trustee or custodian. The Custodian will not be liable for any losses from for any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination to the Custodian in a form and manner acceptable to the Custodian. As of the date of the termination notice, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian within 30 days of the termination notice, and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Custodian may resign at any time by providing 30 days written notice to the Depositor. Upon receiving such written notice, the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance of the Custodial Account, the Custodian shall transfer the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed and no distribution instructions are provided by the Depositor, Depositor does not notify the Custodian may, in its own discretion, select of the appointment of a successor trustee or custodian and transfer within such 30 day period, then the Custodian may distribute all of the assets held by the Custodian in the Custodial AccountAccount (whether in case or personal or real property, less any applicable fees or penaltieswherever located, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment and regardless of value) to the Depositor. The Custodian , outright and free of trust, and the Depositor shall not be liable wholly responsible for any losses from any actions or inactions the tax and penalty consequences of any successor trustee or custodiansuch distribution. By establishing an individual retirement account with the Custodian, the Depositor agrees to you agree that you will substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwise.

Amendments and Termination. The Custodian may amend this Agreement at any time to comply with legal and regulatory changes and to modify the Agreement as the Custodian determines advisable. Any such amendment will be sent to the Depositor Responsible Individual at the last known address on file with the Custodian. The amendment will be effective on the date specified in the notice to the DepositorResponsible Individual. At the DepositorResponsible Individual’s discretion, the Depositor Responsible Individual may direct that the Custodial Account be transferred to another trustee or custodian. The Custodian will not be liable for any losses from for any actions or inactions of any successor trustee or custodian. The Depositor Responsible Individual may terminate this Agreement at any time by providing a written notice of such termination to the Custodian in a form and manner acceptable to the Custodian. As of the date of the termination notice, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor Responsible Individual provides additional instructions. If no instructions are provided by the Depositor Responsible Individual to the Custodian within 30 days of the termination notice, and unless the Custodian and the Depositor Responsible Individual agree in writing otherwise, the Custodian will distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the DepositorDesignated Beneficiary. The Custodian shall not be liable for any losses from for any actions or inactions of any successor trustee or custodian. The Custodian may resign at any time by providing 30 days written notice to the DepositorResponsible Individual. Upon receiving such written notice, the Depositor Responsible Individual will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance of the Custodial Account, the Custodian shall transfer the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed and or no distribution instructions are provided by the DepositorResponsible Individual, the Custodian may, in its own discretion, select a successor trustee or custodian and transfer the Custodial Account, less any applicable fees or penalties, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the DepositorDesignated Beneficiary. The Custodian shall not be liable for any losses from for any actions or inactions of any successor trustee or custodian. By establishing an individual retirement account with the Custodian, the Depositor The Responsible Individual agrees to substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwise.

Amendments and Termination. The Custodian may amend this Agreement Depositor may, at any time and from time to comply with legal and regulatory changes and time, terminate the Custodial Agreement in whole or in part by delivering to modify the Agreement as the Custodian determines advisablea signed written copy of such termination in a form acceptable to the Custodian. Any The Depositor delegates to the Custodian the right to amend the Custodial Agreement (including retroactive amendments) by written notice to the Depositor, and the Depositor shall be deemed to have consented to any such amendment, provided that no amendment will shall cause or permit any part of the assets of the Custodial Account to be sent diverted to purposes other than for the exclusive benefit of the Depositor or Beneficiaries, no amendment shall be made except in accordance with any applicable laws and regulations affecting this Custodial Account, and any amendment which affects the rights, duties or responsibilities of the Custodian may only be made with the Custodian’s consent. This paragraph shall not be construed to restrict the Custodian’s right to substitute fee schedules under Paragraph 7 of Article VIII and no such substitution shall be deemed to be an amendment of this Custodial Agreement. If a depositor (or beneficiary) (a) cannot be located or (b) is no longer assigned to a Sponsor Registered Representative or an Investment Adviser Representative, the Custodian and Sponsor may resign upon 30 days prior written notice to the Depositor (or Beneficiary) at the last known address on file with of record. If, within the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. At the Depositor’s discretion30 day period, the Depositor may direct that the Custodial Account be transferred (or Beneficiary) fails to another trustee (a) provide a current address or custodian. The Custodian will not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination to (b) notify the Custodian in a form and manner acceptable to Sponsor, at the Custodian. As Sponsor’s address, of the date appointment of the termination noticeeither a newly designated Sponsor Registered Representative/Adviser or a successor custodian, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian within 30 days of the termination notice, Xxxxxxx shall resign and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute terminate the Custodial Account, less any applicable fees or penalties, as a single payment subject to the DepositorCustodian’s right to reserve funds as provided in Paragraph 6 of Article VIII. The Custodian shall not be liable for any losses from any actions terminate the Custodial Account if this Agreement is terminated or inactions of any successor trustee if, within 30 days (or custodian. The such longer time as Custodian may resign at any time agree) after resignation or removal of Custodian under Paragraph 6 of Article VIII, Depositor or Sponsor, as the case may be, has not appointed a successor that has accepted such appointment. Termination of the Custodial Account shall be affected by providing 30 days written notice distributing all assets thereof in a single payment in cash or in kind to the Depositor, subject to Custodian’s right to reserve funds as provided in Paragraph 6 of Article VIII. Upon receiving such written notice, the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance termination of the Custodial Account, this custodial account document shall have no further force and effect (except for Paragraph 6 and the indemnification provisions of Paragraph 16 of Article VIII which shall survive the termination of the Custodial Account and this Custodial Agreement) and Custodian shall transfer be relieved from all further liability hereunder or with respect to the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed Account and no distribution instructions are provided by the Depositor, the Custodian may, in its own discretion, select a successor trustee or custodian and transfer the Custodial Account, less any applicable fees or penalties, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. By establishing an individual retirement account with the Custodian, the Depositor agrees to substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwiseall assets thereof so distributed.

Amendments and Termination. The Custodian may amend this Agreement at any time to comply with legal and regulatory changes and to modify the Agreement as the Custodian determines advisable. Any such amendment will be sent to the Depositor at the last known address on file with the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. At the Depositor’s Depositor‟s discretion, the Depositor may direct that the Custodial Account be transferred to another trustee or custodian. The Custodian will not be liable for any losses from for any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination to the Custodian in a form and manner acceptable to the Custodian. As of the date of the termination notice, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian within 30 days of the termination notice, and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Custodian may resign at any time by providing 30 days written notice to the Depositor. Upon receiving such written notice, the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance of the Custodial Account, the Custodian shall transfer the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed and or no distribution instructions are provided by the Depositor, the Custodian may, in its own discretion, select a successor trustee or custodian and transfer the Custodial Account, less any applicable fees or penalties, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. By establishing an individual retirement account with the Custodian, the Depositor agrees to you agree that you will substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwise.

Amendments and Termination. The Custodian Participant may amend this Agreement at any time and from time to comply with legal and regulatory changes and time terminate this Custodial Agreement in whole or in part by delivering to modify the Agreement as the Custodian determines advisablea signed written notice of such termination, in a form acceptable to the Custodian. Any The Participant delegates to the Custodian the right to amend this Custodial Agreement (including retroactive amendments) by written notice to the Participant. The Participant shall be deemed to have consented to any such amendment, provided that (a) no amendment will shall cause or permit any part of the assets of the Custodial Account to be sent diverted to purposes other than for the exclusive benefit of the Participant or his or her Beneficiaries; and (b) no amendment shall be made except in accordance with any applicable laws and regulations affecting this Custodial Agreement and the Custodial Account. This Paragraph shall not be construed to restrict the Custodian’s right to substitute fee schedules under Paragraph 8 of Article VIII and no such substitution shall be deemed to be an amendment of this Custodial Agreement. If a Participant (or beneficiary) (a) cannot be located or (b) is no longer assigned to a Sponsor Registered Representative or an Investment Adviser Representative, the Custodian and Sponsor may resign upon 30 days prior written notice to the Depositor (or Beneficiary) at the last known address on file with of record. If, within the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. At the Depositor’s discretion30 day period, the Depositor may direct that the Custodial Account be transferred (or Beneficiary) fails to another trustee (a) provide a current address or custodian. The Custodian will not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination to (b) notify the Custodian in a form and manner acceptable to Sponsor, at the Custodian. As Sponsor’s address, of the date appointment of the termination noticeeither a newly designated Sponsor Registered Representative/Adviser or a successor custodian, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian within 30 days of the termination notice, Xxxxxxx shall resign and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute terminate the Custodial Account, less any applicable fees or penalties, as a single payment subject to the DepositorCustodian’s right to reserve funds as provided in Paragraph 7 of Article VIII. The Custodian shall not be liable for any losses from any actions terminate the Custodial Account if this Custodial Agreement is terminated, or inactions of any successor trustee if, within 30 days (or custodian. The such longer period as the Custodian may resign at any time agree) after resignation or removal of the Custodian under Paragraph 7 of Article VIII the Participant or Sponsor, as the case may be, has not appointed a successor that has accepted such appointment. Termination of the Custodial Account shall be affected by providing 30 days written notice distributing all assets thereof in a single payment in cash or in kind to the DepositorParticipant, subject to Custodian’s right to reserve funds as provided in Paragraph 7 of Article VIII. Upon receiving such written notice, the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance termination of the Custodial Account, this custodial account document shall have no further force and effect (except for Paragraph 7 and the indemnification provisions of Paragraph 15 of Article VIII which shall survive the termination of the Custodial Account and this Custodial Agreement) and Custodian shall transfer be relieved from all further liability hereunder or with respect to the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed Account and no distribution instructions are provided by the Depositor, the Custodian may, in its own discretion, select a successor trustee or custodian and transfer the Custodial Account, less any applicable fees or penalties, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. By establishing an individual retirement account with the Custodian, the Depositor agrees to substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwiseall assets thereof so distributed.

Amendments and Termination. The Custodian may amend this Agreement at any time to comply with legal and regulatory changes and to modify the Agreement as the Custodian determines advisable. Any such amendment will be sent to the Depositor at the last known address on file with the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. The Depositor shall be deemed to have consented to any such amendment unless the Depositor notifies the Custodian to the contrary within 30 days after the notice is sent to the Depositor. At the Depositor’s discretion, the Depositor may direct that the Custodial Account be transferred to another trustee or custodian. The Custodian will not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination to the Custodian in a form and manner acceptable to the Custodian. As of the date of the termination notice, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian within 30 days of the termination notice, and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Custodian may resign at any time by providing 30 days written notice to the Depositor. Upon receiving such written notice, the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance of the Custodial Account, the Custodian shall transfer the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed and no distribution instructions are provided by the Depositor, the Custodian may, in its own discretion, select a successor trustee or custodian and transfer the Custodial Account, less any applicable fees or penalties, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. XXXXX VALUE FUND CUSTODIAL AGREEMENT & DISCLOSURE STATEMENT By establishing an individual retirement account with the Custodian, the Depositor agrees to substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwise.

Amendments and Termination. The Custodian may amend this Agreement Depositor may, at any time and from time to comply with legal and regulatory changes and time, terminate the Custodial Agreement in whole or in part by delivering to modify the Agreement as the Custodian determines advisablea signed written copy of such termination in a form acceptable to the Custodian. Any The Depositor delegates to the Custodian the right to amend the Custodial Agreement (including retroactive amendments) by written notice to the Depositor, and the Depositor shall be deemed to have consented to any such amendment, provided that no amendment will shall cause or permit any part of the assets of the Custodial Account to be sent diverted to purposes other than for the exclusive benefit of the Depositor or Beneficiaries, no amendment shall be made except in accordance with any applicable laws and regulations affecting this Custodial Account, and any amendment which affects the rights, duties or responsibilities of the Custodian may only be made with the Custodian’s consent. This paragraph shall not be construed to restrict the Custodian’s right to substitute fee schedules under Paragraph 7 of Article VIII and no such substitution shall be deemed to be an amendment of this Custodial Agreement. If a depositor (or beneficiary) (a) cannot be located or (b) is no longer assigned to a Sponsor Registered Representative or an Investment Adviser Representative, the Custodian and Sponsor may resign upon 30 days prior written notice to the Depositor (or Beneficiary) at the last known address on file with of record. If, within the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. At the Depositor’s discretion30 day period, the Depositor may direct that the Custodial Account be transferred (or Beneficiary) fails to another trustee (a) provide a current address or custodian. The Custodian will not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination to (b) notify the Custodian in a form and manner acceptable to Sponsor, at the Custodian. As Sponsor’s address, of the date appointment of the termination noticeeither a newly designated Sponsor Registered Representative/Adviser or a successor custodian, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian within 30 days of the termination notice, Xxxxxxx shall resign and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute terminate the Custodial Account, less any applicable fees or penalties, as a single payment subject to the DepositorCustodian’s right to reserve funds as provided in Paragraph 6 of Article IX. The Custodian shall not be liable for any losses from any actions terminate the Custodial Account if this Agreement is terminated or inactions of any successor trustee if, within 30 days (or custodian. The such longer time as Custodian may resign at any time agree) after resignation or removal of Custodian under Paragraph 6 of Article IX Depositor or Sponsor, as the case may be, has not appointed a successor that has accepted such appointment. Termination of the Custodial Account shall be affected by providing 30 days written notice distributing all assets thereof in a single payment in cash or in kind to the Depositor, subject to Custodian’s right to reserve funds as provided in Paragraph 6 of Article IX. Upon receiving such written notice, the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance termination of the Custodial Account, this custodial account document shall have no further force and effect (except for Paragraph 6 and the indemnification provisions of Paragraph 16 of Article IX which shall survive the termination of the Custodial Account and this Custodial Agreement) and Custodian shall transfer be relieved from all further liability hereunder or with respect to the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed Account and no distribution instructions are provided by the Depositor, the Custodian may, in its own discretion, select a successor trustee or custodian and transfer the Custodial Account, less any applicable fees or penalties, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. By establishing an individual retirement account with the Custodian, the Depositor agrees to substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwiseall assets thereof so distributed.

Amendments and Termination. The Custodian may amend this Agreement at any time to comply with legal and regulatory changes and to modify the Agreement as the Custodian determines advisable. Any such amendment will be sent to the Depositor at the last known address on file with the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. The Depositor shall be deemed to have consented to any such amendment unless the Depositor notifies the Custodian to the contrary within 30 days after the notices to the Depositor. At the Depositor’s discretion, the Depositor may direct that the Custodial Account be transferred to another trustee or custodian. The Custodian will not be liable for any losses from for any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination ter mination to the Custodian in a form and manner acceptable to the Custodian. As of the date of the termination notice, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian Custo dian within 30 days of the termination notice, and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any a ny losses from any actions or inactions of any successor trustee or custodian. The Custodian may resign at any time by providing 30 days written notice to the Depositor. Upon receiving such written noticenotice , the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance of the Custodial Account, the Custodian shall transfer the Custodial Account, less any applicable app licable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed and no distribution instructions are provided by the Depositor, Depositor does not notify the Custodian may, in its own discretion, select of the appointment of a successor trustee or custodian and transfer within such 30 day period, then the Custodial Account, less any applicable fees or penalties, or Custodian may distribute all of the Custodial Accountassets held by the Custodian in the Custodi al Account (whether in case or personal or real property, less any applicable fees or penaltieswherever located, as a single payment and regardless of value) to the Depositor. The Custodian , outright and free of trust, and the Depositor shall not be liable wholly responsible for any losses from any actions or inactions the tax and penalty consequences of any successor trustee or custodiansuch distribution. By establishing an individual individu al retirement account with the Custodian, the Depositor agrees to you agree that you will substitute another custodian or trustee in place of the existing Custodian Custodia n upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwise.

Amendments and Termination. The Custodian may amend this Agreement Depositor may, at any time and from time to comply with legal and regulatory changes and time, terminate the Custodial Agreement in whole or in part by delivering to modify the Agreement as the Custodian determines advisablea signed written copy of such termination in a form acceptable to the Custodian. Any The Depositor delegates to the Custodian the right to amend the Custodial Agreement (including retroactive amendments) by written notice to the Depositor, and the Depositor shall be deemed to have consented to any such amendment, provided that no amendment will shall cause or permit any part of the assets of the Custodial Account to be sent diverted to purposes other than for the exclusive benefit of the Depositor or Beneficiaries, no amendment shall be made except in accordance with any applicable laws and regulations affecting this Custodial Account, and any amendment which affects the rights, duties or responsibilities of the Custodian may only be made with the Custodian’s consent. This paragraph shall not be construed to restrict the Custodian’s right to substitute fee schedules under Paragraph 7 of Article VIII and no such substitution shall be deemed to be an amendment of this Custodial Agreement. If a depositor (or beneficiary) (a) cannot be located or (b) is no longer assigned to a Sponsor Registered Representative or an Investment Adviser Representative, the Custodian and Sponsor may resign upon 30 days prior written notice to the Depositor (or Beneficiary) at the last known address on file with of record. If, within the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. At the Depositor’s discretion30 day period, the Depositor may direct that the Custodial Account be transferred (or Beneficiary) fails to another trustee (a) provide a current address or custodian. The Custodian will not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination to (b) notify the Custodian in a form and manner acceptable to Sponsor, at the Custodian. As Sponsor’s address, of the date appointment of the termination noticeeither a newly designated Sponsor Registered Representative/Adviser or a successor custodian, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian within 30 days of the termination notice, Xxxxxxx shall resign and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute terminate the Custodial Account, less any applicable fees or penalties, as a single payment subject to the DepositorCustodian’s right to reserve funds as provided in Paragraph 6 of Article IX. The Custodian shall not be liable for any losses from any actions terminate the Custodial Account if this Agreement is terminated or inactions of any successor trustee if, within 30 days (or custodian. The such longer time as Custodian may resign at any time by providing 30 days written notice to agree) after resignation or removal of Custodian under Paragraph 6 of Article IX Depositor or Sponsor, as the Depositor. Upon receiving such written noticecase may be, the Depositor will appoint has not appointed a successor trustee or custodian in writingthat has accepted such appointment. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance Termination of the Custodial Account, the Custodian Account shall transfer the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed and no distribution instructions are provided be affected by the Depositor, the Custodian may, distributing all assets thereof in its own discretion, select a successor trustee or custodian and transfer the Custodial Account, less any applicable fees or penalties, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment in cash or in kind to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions , subject to Custodian’s right to reserve funds as provided in Paragraph 6 of any successor trustee or custodian. By establishing an individual retirement account with the Custodian, the Depositor agrees to substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwise.Article

Amendments and Termination. The Custodian may amend this Agreement at any time to comply with legal and regulatory changes and to modify the Agreement as the Custodian determines advisable. Any such amendment will be sent to the Depositor at the last known address on file with the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. At the Depositor’s discretion, the Depositor may direct that the Custodial Account be transferred to another trustee or custodian. The Custodian will not be liable for any losses from for any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination to the Custodian in a form and manner acceptable to the Custodian. As of the date of the termination notice, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian within 30 days of the termination notice, and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Custodian may resign at any time by providing 30 days written notice to the Depositor. Upon receiving such written notice, the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance of the Custodial Account, the Custodian shall transfer the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed and or no distribution instructions are provided by the Depositor, the Custodian may, in its own discretion, select a successor trustee or custodian and transfer the Custodial Account, less any applicable fees or penalties, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. By establishing an individual retirement account with the Custodian, the Depositor agrees to that it will substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwise.

Amendments and Termination. The Custodian may amend this Agreement at any time to comply with legal and regulatory changes and to modify the Agreement as the Custodian determines advisable. Any such amendment will be sent to the Depositor at the last known address on file with the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. The Depositor shall be deemed to have consented to any such amendment unless the Depositor notifies the Custodian to the contrary within 30 days after the notices to the Depositor. At the Depositor’s discretion, the Depositor may direct that the Custodial Account be transferred to another trustee or custodian. The Custodian will not be liable for any losses from for any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice no xxxx of such termination to the Custodian in a form and manner acceptable to the Custodian. As of the date of the termination notice, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian Custo dian within 30 days of the termination notice, and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any a ny losses from any actions or inactions of any successor trustee or custodian. The Custodian may resign at any time by providing 30 days written notice to the Depositor. Upon receiving such written noticenotice , the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance of the Custodial Account, the Custodian shall transfer the Custodial Account, less any applicable app licable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed and no distribution instructions are provided by the Depositor, Depositor does not notify the Custodian may, in its own discretion, select of the appointment of a successor trustee or custodian and transfer within such 30 day period, then the Custodial Account, less any applicable fees or penalties, or Custodian may distribute all of the Custodial Accountassets held by the Custodian in the Custodi al Account (whether in case or personal or real property, less any applicable fees or penaltieswherever located, as a single payment and regardless of value) to the Depositor. The Custodian , outright and free of trust, and the Depositor shall not be liable wholly responsible for any losses from any actions or inactions the tax and penalty consequences of any successor trustee or custodiansuch distribution. By establishing an individual individu al retirement account with the Custodian, the Depositor agrees to you agree that you will substitute another custodian or trustee in place of the existing Custodian Custodia n upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwise.

Amendments and Termination. The Custodian may amend this Agreement at any time to comply with legal and regulatory changes and to modify the Agreement as the Custodian determines advisable. Any such amendment will be sent to the Depositor at the last known address on file with the Custodian. The amendment will be effective on the date specified in the notice to the Depositor. The Depositor shall be deemed to have consented to any such amendment unless the Depositor notifies the Custodian to the contrary within 30 days after the notice is sent to the Depositor. At the Depositor’s discretion, the Depositor may direct that the Custodial Account be transferred to another trustee or custodian. The Custodian will not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Depositor may terminate this Agreement at any time by providing a written notice of such termination to the Custodian in a form and manner acceptable to the Custodian. As of the date of the termination notice, the Custodian will no longer accept additional deposits under the Agreement. Upon receiving a termination notice, the Custodian will continue to hold the assets and act upon the provisions within the Agreement until the Depositor provides additional instructions. If no instructions are provided by the Depositor to the Custodian within 30 days of the termination notice, and unless the Custodian and the Depositor agree in writing otherwise, the Custodian will distribute the Custodial Account, less any applicable fees or penalties, as a single payment to the Depositor. The Custodian shall not be liable for any losses from any actions or inactions of any successor trustee or custodian. The Custodian may resign at any time by providing 30 days days’ written notice to the Depositor. Upon receiving such written notice, the Depositor will appoint a successor trustee or custodian in writing. Upon such appointment and upon receiving acknowledgement from the successor trustee or custodian of acceptance of the Custodial Account, the Custodian shall transfer the Custodial Account, less any applicable fees or penalties, to the successor trustee or custodian. If no successor trustee or custodian is appointed and no distribution instructions are provided by the Depositor, Depositor does not notify the Custodian may, in its own discretion, select of the appointment of a successor trustee or custodian and transfer within such 30 day period, then the Custodian may distribute all of the assets held by the Custodian in the Custodial AccountAccount (whether in the case of personal or real property, less any applicable fees or penaltieswherever located, or may distribute the Custodial Account, less any applicable fees or penalties, as a single payment and regardless of value) to the Depositor. The Custodian , outright and free of trust, and the Depositor shall not be liable wholly responsible for any losses from any actions or inactions the tax and penalty consequences of any successor trustee or custodiansuch distribution. By establishing an individual retirement account with the Custodian, the Depositor agrees that to substitute another custodian or trustee in place of the existing Custodian upon notification by the Commissioner of the Internal Revenue Service or his or her delegate, delegate that such substitution is required because the Custodian has failed to comply with the requirements of the Internal Revenue Code by not keeping such records, or making such returns or rendering such statements as are required by the Internal Revenue Code, or otherwise.