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Participation Agreement conflict with the terms of the Declaration of Trust, the terms of the Declaration of <br />Trust shall prevail. <br />5. Prohibited Transactions. If the Trust Company determines that the Retirement Trust's involvement with <br />certain assets, liabilities or transactions will result, or has resulted, in the Trust engaging in a transaction that <br />is prohibited by the Internal Revenue Code, Securities Act of 1933, Investment Company Act of 1940 or other <br />applicable law, the Trust Company, in its sole discretion, may take action to correct such prohibited <br />transaction, or may treat the Retirement Trust as having withdrawn from participation and shall redeem the <br />Retirement Trust's Units, all in accordance with the Declaration of Trust. <br />6. Severability. Each clause or term of this Participation Agreement is severable from the entire Participation <br />Agreement, and if any clause or term is declared invalid, the remaining clauses or terms shall remain in <br />effect. <br />[Space Intentionally Blank] <br />4 VantageTrust II Participation Agreement <br />1/2016 <br />