Common use of Account Termination Clause in Contracts

Account Termination. The Student may terminate the Education IRA at any time after its establishment by sending a completed withdrawal form (or other instructions in a form acceptable to the Custodian), or a transfer authorization form to: Century Shares Trust P.O. Box 8329 Boston, MA 02266-8329 An Education IRA with State Street Bank will terminate upon the first to occur of the following: o The date the Student's properly executed withdrawal form or instructions (as described above) withdrawing the total Education IRA balance is received and accepted by the Custodian. o The date the Education IRA ceases to qualify under the tax code. This will be deemed a termination. o The transfer of the Education IRA to another custodian/trustee. o The rollover of the amounts in the Education IRA to another custodian/trustee. Any outstanding fees must be received prior to such a termination of an Education IRA account. The amount received from an Education IRA upon termination of the account will be treated as a withdrawal, and thus the rules relating to Education IRA withdrawals will apply. For example, if the Education IRA is terminated and distributions are not made for qualified education expenses, the 10% early withdrawal penalty may apply to the taxable amount received. IMPORTANT: THE DISCUSSION OF THE TAX RULES FOR EDUCATION IRAS IN THIS DISCLOSURE STATEMENT IS BASED UPON THE BEST AVAILABLE INFORMATION. HOWEVER, EDUCATION IRAS ARE NEW UNDER THE TAX LAWS, AND NOT ALL ISSUES PERTAINING TO THE OPERATION AND TAX TREATMENT OF EDUCATION IRA ACCOUNTS HAVE BEEN ADDRESSED BY THE IRS. THEREFORE, THE STUDENT SHOULD CONSULT HIS OR HER TAX ADVISOR FOR THE LATEST DEVELOPMENTS OR FOR ADVICE ON HOW MAINTAINING AN EDUCATION IRA WILL AFFECT HIS OR HER (OR PARENT'S) PERSONAL TAX OR FINANCIAL SITUATION. EDUCATION IRA DOCUMENTS The terms contained in Articles I to X of the State Street Bank and Trust Company Education Individual Retirement Custodial Account document are in the form promulgated by the IRS in Form 5305-EA for use in establishing an Education IRA under Code section 530. If the IRS issues an amendment to Form 5305-EA, the Custodian will adopt the provisions of such model form as an amendment, accordingly. IRS approval relates only to the form of Articles I to X and will not be an approval of the merits of the Education IRA or of any investment permitted by the Education IRA. ADDITIONAL INFORMATION For additional information you may write to the following address or call the following telephone number: Century Shares Trust P.O. Box 8329 Boston, MA 02266-8329 ▇▇▇-▇▇▇-▇▇▇▇ STATE STREET BANK AND TRUST COMPANY INDIVIDUAL RETIREMENT CUSTODIAL ACCOUNT The following provisions of Articles I to VII are in the form promulgated by the Internal Revenue Service in Form 5305-A for use in establishing an individual retirement custodial account.

Account Termination. The Student You may terminate the Education your Traditional IRA or ▇▇▇▇ ▇▇▇ at any time after its establishment by sending a completed withdrawal form (or other withdrawal instructions in a form acceptable to the Custodian), or a transfer authorization form form, to: Century Shares Trust Janus P.O. Box 8329 55932 Boston, MA 0226602205-8329 An Education 5932 Your Traditional IRA or ▇▇▇▇ ▇▇▇ with State Street Bank and Trust Company will terminate upon the first to occur of the following: o • The date the Student's your properly executed withdrawal form or instructions (as described above) withdrawing the your total Education Traditional IRA or ▇▇▇▇ ▇▇▇ balance is received and accepted by the CustodianCustodian or, if later, the termination date specified in the withdrawal form. o • The date the Education Traditional IRA or ▇▇▇▇ ▇▇▇ ceases to qualify under the tax code. This will be deemed a termination. o • If provided for in this Disclosure Statement, termination fees may be charged when your account is closed whether the funds are distributed to you or transferred to a successor custodian or trustee. • The transfer of the Education Traditional IRA to another custodian/trustee. o The rollover of the amounts in the Education IRA or ▇▇▇▇ ▇▇▇ to another custodian/trustee. Any outstanding fees must be received prior to such a termination of an Education IRA your account. The amount received you receive from an Education your IRA upon termination of the account will be treated as a withdrawal, and thus the rules relating to Education Traditional IRA or ▇▇▇▇ ▇▇▇ withdrawals will apply. For example, if the Education IRA is terminated and distributions are not made for qualified education expensesbefore you reach age 59½, the 10% early withdrawal penalty may apply to the taxable amount receivedyou receive. IMPORTANT: THE DISCUSSION OF THE TAX RULES FOR EDUCATION IRAS IN THIS DISCLOSURE STATEMENT IS BASED UPON THE BEST AVAILABLE INFORMATION. HOWEVER, EDUCATION IRAS ARE NEW UNDER THE TAX LAWS, AND NOT ALL ISSUES PERTAINING TO THE OPERATION AND TAX TREATMENT OF EDUCATION IRA ACCOUNTS HAVE BEEN ADDRESSED BY THE IRS. THEREFORE, THE STUDENT SHOULD CONSULT HIS OR HER TAX ADVISOR FOR THE LATEST DEVELOPMENTS OR FOR ADVICE ON HOW MAINTAINING AN EDUCATION IRA WILL AFFECT HIS OR HER (OR PARENT'S) PERSONAL TAX OR FINANCIAL SITUATION. EDUCATION IRA DOCUMENTS The terms contained in Articles I to X VII of Part One of the State Street Bank and Trust Company Education Universal Individual Retirement Custodial Account document are in the form have been promulgated by the IRS in IRS Form 5305-EA A for use in establishing an Education a Traditional IRA under Custodial Account that meets the requirements of Code section 530Section 408(a) for a valid Traditional IRA. If the IRS issues an amendment to Form 5305-EA, the Custodian will adopt the provisions of such model form as an amendment, accordingly. This IRS approval relates only to the form of Articles I to X VII and will is not be an approval of the merits of the Education Traditional IRA or of any investment permitted by the Education Traditional IRA. ADDITIONAL INFORMATION For additional information you may write The terms contained in Articles I to VII of Part Two of the following address or call State Street Bank and Trust Company Universal Individual Retirement Account Custodial Agreement have been promulgated by the following telephone number: Century Shares Trust P.O. Box 8329 Boston, MA 02266IRS in IRS Form 5305-8329 ▇▇▇-▇▇▇-RA for use in establishing a ▇▇▇▇ STATE STREET BANK AND TRUST COMPANY INDIVIDUAL RETIREMENT CUSTODIAL ACCOUNT The following provisions ▇▇▇ Custodial Account that meets the requirements of Code Section 408A for a valid ▇▇▇▇ ▇▇▇. This IRS approval relates only to the form of Articles I to VII and is not an approval of the merits of the ▇▇▇▇ ▇▇▇ or of any investment permitted by the ▇▇▇▇ ▇▇▇. The terms contained in Article VIII of Part Three of the State Street Bank and Trust Company Universal Individual Retirement Account document are in the form additional provisions (not promulgated by the Internal Revenue Service in Form 5305-A IRS) for use in establishing an individual retirement custodial accountboth Traditional IRAs and ▇▇▇▇ IRAs.

Account Termination. The Student You may terminate the Education your IRA at any time after its establishment by sending a completed complete withdrawal form (or other instructions in a form acceptable to the Custodian)form, or a transfer authorization form form, to: Century Shares Trust STATE STREET BANK AND TRUST COMPANY P.O. Box 8329 Boston, MA 02266-8329 An Education Your IRA with State Street Bank will terminate upon the first to occur of the following: o - The date the Student's your properly executed withdrawal form or instructions (as described above) withdrawing the your total Education IRA balance is received and accepted by the CustodianCustodian or, if later, the termination date specified in the withdrawal form. o - The date the Education IRA ceases to qualify under the tax code. This will be deemed a termination. o - The transfer of the Education IRA to another custodian/trustee. o - The rollover of the amounts in the Education IRA to another custodian/trustee. Any outstanding fees must be received prior to such a termination of an Education IRA your account. The amount received you receive from an Education your IRA upon termination of the account will be treated as a withdrawal, and thus the rules relating to Education IRA withdrawals will apply. For example, if the Education IRA is terminated and distributions are not made for qualified education expensesbefore you reach age 59-1/2, the 10% early withdrawal penalty may apply to on the taxable amount receivedyou receive. IMPORTANT: THE DISCUSSION OF THE TAX RULES FOR EDUCATION IRAS IN THIS DISCLOSURE STATEMENT IS BASED UPON THE BEST AVAILABLE INFORMATION. HOWEVER, EDUCATION IRAS ARE NEW UNDER THE TAX LAWS, AND NOT ALL ISSUES PERTAINING TO THE OPERATION AND TAX TREATMENT OF EDUCATION IRA ACCOUNTS HAVE BEEN ADDRESSED BY THE IRS. THEREFORE, THE STUDENT SHOULD CONSULT HIS OR HER TAX ADVISOR FOR THE LATEST DEVELOPMENTS OR FOR ADVICE ON HOW MAINTAINING AN EDUCATION IRA WILL AFFECT HIS OR HER (OR PARENT'S) PERSONAL TAX OR FINANCIAL SITUATION. EDUCATION IRA DOCUMENTS The terms contained in Articles I to X VII of the State Street Bank and Trust Company Education Individual Retirement Custodial Account document are in the form have been promulgated by the IRS in Form 5305-EA A for use in establishing an Education IRA under Code section 530custodial account that meets the requirements of the tax laws for a valid IRA. If the IRS issues an amendment to Form 5305-EA, the Custodian will adopt the provisions of such model form as an amendment, accordingly. This IRS approval relates only to the form of Articles I to X VII and will is not be an approval of the merits of the Education IRA or of any investment permitted by the Education IRA. ADDITIONAL INFORMATION For additional information you may write to the following address or call the following telephone number: Century Shares [ADDRESS] ORBITEX GROUP OF FUNDS State Street Bank and Trust P.O. Box 8329 Boston, MA 02266-8329 ▇▇▇-▇▇▇-▇▇▇▇ STATE STREET BANK AND TRUST COMPANY INDIVIDUAL RETIREMENT CUSTODIAL ACCOUNT The following provisions of Articles I to VII are in the form promulgated by the Internal Revenue Service in Form 5305-A Company Individual Retirement Custodial Account Instructions for use in establishing an individual retirement custodial account.Opening Your IRA

Account Termination. The Student You may terminate the Education IRA your I▇▇ at any time after its establishment by sending a completed complete withdrawal form (or other instructions in a form acceptable to the Custodian)form, or a transfer authorization form form, to: Century Shares Trust P.O. Box 8329 BostonAccessor Funds, MA 02266Inc. P.▇. ▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇ ▇▇▇▇▇-8329 An Education IRA ▇▇▇▇ Your I▇▇ with State Street Bank Accessor Funds, Inc. will terminate upon the first to occur of the following: o The date the Student's your properly executed withdrawal form or instructions (as described above) withdrawing the total Education IRA balance is received and accepted by Bennington or, if later, the Custodiantermination date specified in the withdrawal form. o The date the Education IRA I▇▇ ceases to qualify under the tax code. This will be deemed a termination. o The transfer of the Education IRA I▇▇ to another custodian/trustee. o The rollover of the amounts in the Education IRA I▇▇ to another custodian/trustee. o Any outstanding fees must be received prior to such a termination of an Education IRA your account. The amount received you receive from an Education IRA upon termination of the account your I▇▇ will be treated as a withdrawal, and thus the rules relating to Education IRA I▇▇ withdrawals will apply. For example, if the Education IRA I▇▇ is terminated and distributions are not made for qualified education expensesbefore you reach age 59 1/2, the 10% early withdrawal penalty may apply to on the taxable amount receivedyou receive. IMPORTANTIRS DOCUMENTS For additional information, please consult the district office of the IRS, or the following IRS publications: THE DISCUSSION Publication 522, "Disability Payments"; Publication 560, "Retirement Plans for the Self-Employed"; Publication 575, "Pension and Annuity Income (Including Simplified General Rule)"; Publication 590, "Individual Retirement Arrangements (IRAs)." Accessor Funds, Inc. INDIVIDUAL RETIREMENT CUSTODIAL ACCOUNT AGREEMENT (UNDER SECTION 408(A) OF THE TAX RULES FOR EDUCATION IRAS IN THIS DISCLOSURE STATEMENT IS BASED UPON THE BEST AVAILABLE INFORMATION. HOWEVER, EDUCATION IRAS ARE NEW UNDER THE TAX LAWS, AND NOT ALL ISSUES PERTAINING TO THE OPERATION AND TAX TREATMENT OF EDUCATION IRA ACCOUNTS HAVE BEEN ADDRESSED BY THE IRS. THEREFORE, THE STUDENT SHOULD CONSULT HIS OR HER TAX ADVISOR FOR THE LATEST DEVELOPMENTS OR FOR ADVICE ON HOW MAINTAINING AN EDUCATION IRA WILL AFFECT HIS OR HER (OR PARENT'SINTERNAL REVENUE CODE) PERSONAL TAX OR FINANCIAL SITUATION. EDUCATION IRA DOCUMENTS The terms contained in Articles I to X of Depositor whose name appears on the State Street Bank and Trust Company Education attached Individual Retirement Custodial Account document are in Application and Adoption Agreement (the form promulgated by the IRS in Form 5305-EA for use in "Adoption Agreement") is establishing an Education IRA individual retirement account under Code section 530. If the IRS issues an amendment to Form 5305-EA, the Custodian will adopt the provisions of such model form as an amendment, accordingly. IRS approval relates only to the form of Articles I to X and will not be an approval Section 408(a) of the merits of Internal Revenue Code to provide for the Education IRA or of any investment permitted by Depositor's retirement. The Custodian has given the Education IRADepositor the disclosure statement required under Regulation section 1.408-6. ADDITIONAL INFORMATION For additional information you may write to the following address or call the following telephone number: Century Shares Trust P.O. Box 8329 Boston, MA 02266-8329 ▇▇▇-▇▇▇-▇▇▇▇ STATE STREET BANK AND TRUST COMPANY INDIVIDUAL RETIREMENT CUSTODIAL ACCOUNT The following provisions of Articles I to VII are in the form promulgated by the Internal Revenue Service in Form 5305-A for use in establishing an individual retirement custodial account. The Depositor has deposited with Custodian an initial contribution in cash, as set forth in the attached Adoption Agreement and the Depositor and the Custodian make the following agreement.

Account Termination. The Student You may terminate the Education your SIMPLE IRA at any time after its establishment by sending a completed complete withdrawal form (or other instructions in a form acceptable to the Custodian)form, or a transfer authorization form form, to: Century Shares Trust STATE STREET BANK AND TRUST COMPANY P.O. Box 8329 8505 Boston, MA 02266-8329 An Education 8505 Your SIMPLE IRA with State Street Bank will terminate upon the first to occur of the following: o The date the Student's your properly executed withdrawal form or instructions (as described above) withdrawing the your total Education SIMPLE IRA balance is received and accepted by the CustodianCustodian or, if later, the termination date specified in the withdrawal form. o The date the Education SIMPLE IRA ceases to qualify under the tax code. This will be deemed a termination. o The transfer of the Education SIMPLE IRA to another custodian/trustee. o The rollover of the amounts in the Education SIMPLE IRA to another custodian/trustee. Any outstanding fees must be received prior to such a termination of an Education IRA your account. The amount received you receive from an Education your SIMPLE IRA upon termination of the account will be treated as a withdrawal, and thus the rules relating to Education SIMPLE IRA withdrawals will apply. For example, if the Education SIMPLE IRA is terminated and distributions are not made for qualified education expensesbefore you reach age 59 1/2, the 10% early withdrawal penalty may apply to on the taxable amount receivedyou receive. IMPORTANT: THE DISCUSSION OF THE TAX RULES FOR EDUCATION IRAS IN THIS DISCLOSURE STATEMENT IS BASED UPON THE BEST AVAILABLE INFORMATION. HOWEVER, EDUCATION IRAS ARE NEW UNDER THE TAX LAWS, AND NOT ALL ISSUES PERTAINING TO THE OPERATION AND TAX TREATMENT OF EDUCATION IRA ACCOUNTS HAVE BEEN ADDRESSED BY THE IRS. THEREFORE, THE STUDENT SHOULD CONSULT HIS OR HER TAX ADVISOR FOR THE LATEST DEVELOPMENTS OR FOR ADVICE ON HOW MAINTAINING AN EDUCATION IRA WILL AFFECT HIS OR HER (OR PARENT'S) PERSONAL TAX OR FINANCIAL SITUATION. EDUCATION IRA DOCUMENTS The terms contained in Articles I to X VII of the State Street Bank and Trust Company Education Employee SIMPLE Individual Retirement Custodial Account document are in the form have been promulgated by the IRS in Form 5305-EA SA for use in establishing an Education IRA under Code section 530custodial account that meets the requirements of the tax laws for a valid SIMPLE IRA. If the IRS issues an amendment to Form 5305-EA, the Custodian will adopt the provisions of such model form as an amendment, accordingly. This IRS approval relates only to the form of Articles I to X VII and will is not be an approval of the merits of the Education SIMPLE IRA or of any investment permitted by the Education SIMPLE IRA. ADDITIONAL INFORMATION For See Section 25 of Article VIII of the document for additional information you may write to the following address or call the following telephone number: Century Shares Trust P.O. Box 8329 Boston, MA 02266-8329 ▇▇▇-▇▇▇-▇▇▇▇ STATE STREET BANK AND TRUST COMPANY INDIVIDUAL RETIREMENT CUSTODIAL ACCOUNT The following provisions of Articles I to VII are in the form promulgated by the Internal Revenue Service in Form 5305-A for use in establishing an individual retirement custodial accountinformation.