The term individual retirement account is identified in base64 scheme by the sequence aW5kaXZpZHVhbCByZXRpcmVtZW50IGFjY291bnQ=, while the MD5 signature is equal to 9157a345844a5d777db2f94f42e9b75d. The ASCII encoding of individual retirement account in hexadecimal notation is 696e646976696475616c207265746972656d656e74206163636f756e74.