Common use of Investment Options Clause in Contracts

Investment Options. You choose the investments which will fund your IRA. Your invest- ment choices are limited to investments we offer directly or those that are acceptable to us as Custodian. There are certain fees and charges connected with the investments you may select for your IRA. These fees and charges may include the following. • Sales Commissions • Set-Up Fees • Investment Management Fees • Annual Maintenance Fees • Distribution Fees • Surrender or Termination Fees To find out what fees apply, read the prospectus or contract, which will describe the terms of the investment you choose. There may be certain fees and charges connected with the IRA itself. These include: • Transfer Fees • Termination Fees • Rollover Fees • Annual Maintenance Fees • Private Placement Fees • Alternative Investment Fees We reserve the right to change any of the above fees after notice to you, as provided in your IRA Plan Agreement.

Investment Options. You choose the investments which will fund your SIMPLE IRA. Your invest- ment investment choices are limited to investments we offer directly or those that are acceptable to us as Custodian. There are certain fees and charges connected with the investments you may select for your SIMPLE IRA. These fees and charges may include the following. • Sales Commissions • Set-Up Fees • Investment Management Fees • Annual Maintenance Fees • Distribution Fees • Surrender or Termination Fees To find out what fees apply, read the prospectus or contract, which will describe the terms of the investment you choose. There may be certain fees and charges connected with the SIMPLE IRA itself. These include: , these include • Transfer Fees • Termination Fees • Rollover Fees • Annual Maintenance Fees • Private Placement Fees • Alternative Investment Fees We reserve the right to change any of the above fees after notice to you, as provided in your SIMPLE IRA Plan Agreement.