2016 SEP/SARSEP Individual Retirement Account Disclosure Statement

7. Can cover be provided for an employee’s spouse or partner when the employee is not based in the UK? We are prepared to cover the spouse or partner of employees travelling

This will represent that, as spouse of the employee named above, I hereby consent to my spouse designating the person(s) listed above as beneficiaries of group life or accidental

If the surviving spouse dies before distributions are required to begin, the remaining interest will be distributed, starting by the end of the calendar year following the

(ii) the designated beneficiary is not the depositor’s surviving spouse, the remaining interest will be distributed over the beneficiary’s remaining life expectancy as determined in

spouse, the remaining interest will be distributed over the beneficiary’s remaining life expectancy as determined in the year following the death of the depositor and reduced by one

(ii) the designated beneficiary is not the depositor’s surviving spouse, the re- maining interest will be distributed over the beneficiary’s remaining life ex- pectancy as

(ii) the designated beneficiary is not the participant’s surviving spouse, the remaining interest will be distributed over the beneficiary’s remaining life

(ii) the designated beneficiary is not the depositor’s surviving spouse, the remaining interest will be distributed over the beneficiary’s remaining life expectancy as determined in