RETIREMENT PLAN

                                    AGREEMENT



      THIS AGREEMENT is made this 4th day of March, 2003, by and between UMB

BANK, N.A., a national banking association, having its principal office and

place of business at 1010 Grand Avenue, Kansas City, Missouri 64141 (the

"Bank"), UMB FUND SERVICES, INC., a Wisconsin corporation, having its principal

office and place of business at 803 West Michigan Street, Suite A, Milwaukee,

Wisconsin 53233 ("UMBFS"), and LIFETIME ACHIEVEMENT FUND, INC., having its

principal office and place of business at 11605 West Dodge Road, Omaha, Nebraska

68154 ("Fund").



      WHEREAS, the Fund offers or intends to offer to its shareholders and

potential shareholders one or more retirement or similar plans described in

Appendix A hereto and as such is the sponsor of custodial accounts ("Accounts")

pursuant to Custodial Agreements (the "Account Agreements");



      WHEREAS, the Fund wishes to appoint the Bank as the custodian for the

Accounts, and the Bank is willing to accept appointment as custodian for the

Accounts, on the terms and conditions set forth herein; and



      WHEREAS, the Fund and the Bank desire UMBFS to perform, in its capacity as

transfer agent for the Fund, certain administrative and recordkeeping duties

relative to the Accounts.



      NOW, THEREFORE, the parties to this Agreement agree to the following:



      1.   The Bank represents to Fund and UMBFS that it is, and as long as the

           Accounts and this Agreement are in effect will be, qualified to act

           as custodian under all applicable provisions of the Internal Revenue

           Code of 1986, as amended (the "Code") and all other applicable laws,

           rules and regulations.



      2.   The Fund hereby appoints the Bank and the Bank hereby accepts

           appointment as custodian for the Accounts. The Bank agrees to act as

           custodian for the Accounts subject to the terms hereof, and of each

           of the Account Agreements.



           a.    The Bank understands and agrees that from time to time the Fund

                 may propose amendments to the Account Agreements, whether to

                 comply with then-current provisions of the Code or otherwise,

                 and such amendments shall take effect subject to the provisions

                 of the Account Agreements and subject to the Bank's rights

                 thereunder. The rights of the Fund to propose amendments from

                 time to time shall not affect the Bank's responsibilities as

                 provided herein.



            b.   The appointment of the Bank as custodian hereunder is subject

                 to (i) the terms of the respective Account Agreements; (ii)

                 this Agreement (which shall govern in case of any

                 inconsistency between the terms of this Agreement and any of

                 the Account Agreements or to the extent the respective

                 Account Agreements do not apply) and the right of Fund

                 hereunder to terminate the appointment of the Bank as

                 custodian under the Account Agreements and to name a

                 successor custodian at any time and from time to time on

                 written notice to the Bank; and (iii) the rights of the Bank

                 and of Fund to terminate such custodianship in accordance

                 with the terms of the Account Agreements and this Agreement.





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3.         UMBFS hereby agrees to diligently perform the administrative and

           recordkeeping services described in Appendix B with respect to the

           Accounts. It is understood that it is not the responsibility of any

           party hereunder to perform tests and/or monitor and enforce any

           contribution or benefit limitations or distribution requirements

           imposed by the Code, such responsibility being that of the party

           adopting the Account Agreement.



4.         The parties acknowledge and agree that UMBFS and the Bank will not

           serve as "plan administrator" (as defined by the Employee Retirement

           Income Security Act of 1974, as amended) of any Account or in any

           other administrative capacity or other capacity except as transfer

           agent and custodian, respectively, thereof.



      5.   The responsibilities for preparing and keeping current the documents

           related to the Account Agreements shall be as follows:



           a.  The Fund shall provide UMBFS with final forms of (i) Account

               Agreements, disclosure statements and similar documents

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