Can I make my full $5,000 ($6,000 if age 50 or older) contribution at once and then E-ZVest^sm into stocks over the course of the year?

Yes, and by investing this way, setting up a monthly E-ZVest^sm within 30 days of opening your account and keeping it active for the whole year, the IRA annual fee will be waived.

Is there a setup fee or minimum balance for IRAs?

No. There is no setup fee and there is no minimum balance for IRAs.

Is there an annual fee for IRAs at BUYandHOLD?

Yes. There is an annual fee of $25 for Traditional, Roth and Rollover IRAs, which will be charged yearly on the anniversary of your account opening. The annual fee for Coverdell ESAs (formerly Education IRAs) is $10. However, if you set up a monthly E-ZVest^sm within 30 days of opening your account, and keep it active until the anniversary of your account opening, your fee will be waived.

Upon termination of my IRA account, what fees will be assessed?

There is a $50 termination fee that will be charged for full transfers out of BUYandHOLD and for full distributions if you are under 59 ?, except in the case of death, disability or divorce. For Coverdell ESAs the fee applies for full transfers out and for full distributions.

You will be charged the full annual fee upon termination of the account.

Please Note: the annual fee will not be prorated should termination occur prior to your anniversary date.

For more information on the Schedule of fees for optional services, please use the provided link.

http://www.buyandhold.com/bh/en/about/fees.html