Common use of Disclosures of Compensation and Revenue Sharing Practice Clause in Contracts

Disclosures of Compensation and Revenue Sharing Practice. MOIS and its representatives may receive compensation from mutual fund companies, variable product insurance companies and state sponsored 529 Plans made available to you. These payments include sales charges (sometimes called “loads”) and trailing commissions (including service fees known as 12b-1 payments). MOIS may also receive additional payments called revenue sharing payments or marketing allowances from certain providers under special agreements with those firms. These additional payments are designed to help such providers facilitate the distribution of their products through the marketing and education of representatives regarding the product features, benefits and risks. Such marketing and education may include one-on-one marketing, due diligence presentations and attendance at MOIS sponsored conferences. These revenue sharing payments or marketing allowance payments are more fully described in applicable prospectuses, and are usually paid out by a mutual fund affiliate and are not from fund assets or commissions generated by the fund. MOIS representatives do not receive a greater or lesser compensation for sales of products for which MOIS receives revenue sharing payments or marketing allowance and therefore we do not believe they are subject to a conflict of interest when recommending one product over another. However, a mutual fund or insurance carrier’s marketing and educational activity could lead a representative to focus on such products (as opposed to products which do not provide such support) when recommending investments to customers. MOIS has an arrangement with Pershing LLC based on the number of assets held in custody with Pershing LLC. At the end of each quarter, if MOIS does not meet a minimum revenue amount with Pershing LLC, MOIS is charged a specified fee as agreed upon with Pershing LLC. This presents a conflict of interest for MOIS to recommend investments with Pershing LLC rather than other investments that may be more appropriate. For more specific and updated disclosure regarding specific compensation, conflicts of interest and revenue arrangements go to our website at xxx.xxxxxxxxxxxxx.xxx/xxxxxxxxxxx. • Investment Objectives. MOIS has identified five common investment objectives for customers to determine their objectives for assets held with Pershing or directly with a Product Sponsor. Based on the definitions set forth below MOIS will rely upon the objective(s) selected by you, in addition with other factors such as your risk tolerance and time horizon, etc., to provide Services for your accounts. Consequently, it is important that you select the objective that most closely matches what you wish to achieve with regard to the particular account and the assets invested with Pershing and/or a Product Sponsor. You understand there is no guarantee that you will achieve the selected objective. • Preservation of Principal/Income (Conservative): Focus is on preserving principal and/or generating current income. You are generally willing to accept minimal risk, even if the account does not generate significant income or returns. • Balanced (Moderate Conservative): Focus is on generating current income and/or long-term capital growth. You are generally willing to accept a low to moderate risk to principal with limited volatility, to seek a modest return. • Growth and Income (Moderate): Focus is primarily on generating long-term capital growth and income. You are generally willing to accept moderate risk to principal, volatility, and understand that you could lose a portion of the money invested. • Growth (Moderate Aggressive): Focus is on generating long-term capital growth. You are generally willing to accept a moderate to high risk to principal and a moderate degree of volatility, and understand that you could incur substantial loss of principal. • Maximum Growth (Aggressive): Focus is on generating maximum possible returns. You are generally willing to accept the maximum amount of risk to principal and understand that you could lose most, or all, money invested. • Risk Tolerance. Risk tolerance is the amount of risk you are willing to accept for a particular investment or account(s). Risk tolerance decisions must carefully consider multiple aspects of your situation, including but not limited to, investment knowledge and experience, age, liquidity needs, and net worth. MOIS has identified four levels of risk tolerance that it makes available to its customers to determine their level of risk tolerance. When selecting the risk tolerance for your investments or account(s) it is important that you read the description of the risk tolerance level carefully and select the one that most closely resembles your risk tolerance. Low: You are willing to accept minimal risk, even if that means your investment does not generate significant income or returns and may not keep pace with inflation. You may be a low-risk investor if the following criteria apply: • You prefer low volatility investments. • You are not comfortable with investing more than a nominal portion of your money in stocks or other securities that may lose some or all of their value. • You desire an extremely stable income stream or growth pattern. • You are concerned about the loss of principal. • You have a short-term investment time frame. • You want to preserve the future purchasing power of your capital, but not in a high-risk situation. • The amount of risk you are willing to take to outpace inflation is slight. • You are comfortable experiencing possible short-term decreases in your portfolio value in exchange for potential long-term positive gains, but you would rather not experience the short-term decrease in your portfolio.

Disclosures of Compensation and Revenue Sharing Practice. MOIS and its representatives Advisors may receive compensation from Third Party Money Managers, mutual fund companies, variable product insurance companies and state sponsored 529 Plans made available to you. These payments include sales charges (sometimes called “loads”) and trailing commissions (including service fees known as 12b-1 payments). MOIS may also receive additional payments called revenue sharing payments or marketing allowances from certain providers under special agreements with those firms. These additional payments are designed to help such providers facilitate the distribution of their products through the marketing and education of representatives Advisors regarding the product features, benefits and risks. Such marketing and education may include one-on-one marketing, due diligence presentations and attendance at MOIS sponsored conferences. These revenue sharing payments or marketing allowance payments are more fully described in applicable prospectuses, and are usually paid out by a mutual fund affiliate and are not from fund assets or commissions generated by the fund. MOIS representatives Advisors do not receive a greater or lesser compensation for sales of products for which MOIS receives revenue sharing payments or marketing allowance and therefore we do not believe they are subject to a conflict of interest when recommending one product over another. However, a mutual fund or insurance carrier’s marketing and educational activity could lead a representative an Advisor to focus on such products (as opposed to products which do not provide such support) when recommending investments to customers. MOIS has an arrangement with Pershing Pershing, LLC based on the number of assets held in custody with Pershing Pershing, LLC. At the end of each quarter, if MOIS does not meet a minimum revenue amount with Pershing Pershing, LLC, MOIS is charged a specified fee as agreed upon with Pershing Pershing, LLC. This presents a conflict of interest for MOIS to recommend investments with Pershing Pershing, LLC rather than other investments that may be more appropriate. For more specific and updated disclosure regarding specific compensation, conflicts of interest compensation and revenue arrangements go to our website at xxx.xxxxxxxxxxxxx.xxx/xxxxxxxxxxx. • Investment Objectives. MOIS has identified five common investment objectives for customers to determine their objectives for assets held with Pershing or directly with a Product Sponsor. Based on the definitions set forth below MOIS will rely upon the objective(s) selected by you, in addition with other factors such as your risk tolerance and time horizon, etc., to provide Services for your accounts. Consequently, it is important that you select the objective that most closely matches what you wish to achieve with regard to the particular account and the assets invested with Pershing and/or a Product Sponsor. You understand there is no guarantee that you will achieve the selected objective. • Preservation of Principal/Income (Conservative): Focus is on preserving principal and/or generating current income. You are generally willing to accept minimal risk, even if the account does not generate significant income or returns. • Balanced (Moderate Conservative): Focus is on generating current income and/or long-term capital growth. You are generally willing to accept a low to moderate risk to principal with limited volatility, to seek a modest return. • Growth and Income (Moderate): Focus is primarily on generating long-term capital growth and income. You are generally willing to accept moderate risk to principal, volatility, and understand that you could lose a portion of the money invested. • Growth (Moderate Aggressive): Focus is on generating long-term capital growth. You are generally willing to accept a moderate to high risk to principal and a moderate degree of volatility, and understand that you could incur substantial loss of principal. • Maximum Growth (Aggressive): Focus is on generating maximum possible returns. You are generally willing to accept the maximum amount of risk to principal and understand that you could lose most, or all, money invested. • Risk Tolerance. Risk tolerance is the amount of risk you are willing to accept for a particular investment or account(s). Risk tolerance decisions must carefully consider multiple aspects of your situation, including but not limited to, investment knowledge and experience, age, liquidity needs, and net worth. MOIS has identified four levels of risk tolerance that it makes available to its customers to determine their level of risk tolerance. When selecting the risk tolerance for your investments or account(s) it is important that you read the description of the risk tolerance level carefully and select the one that most closely resembles your risk tolerance. Low: You are willing to accept minimal risk, even if that means your investment does not generate significant income or returns and may not keep pace with inflation. You may be a low-risk investor if the following criteria apply: • You prefer low volatility investments. • You are not comfortable with investing more than a nominal portion of your money in stocks or other securities that may lose some or all of their value. • You desire an extremely stable income stream or growth pattern. • You are concerned about the loss of principal. • You have a short-term investment time frame. • You want to preserve the future purchasing power of your capital, but not in a high-risk situation. • The amount of risk you are willing to take to outpace inflation is slight. • You are comfortable experiencing possible short-term decreases in your portfolio value in exchange for potential long-term positive gains, but you would rather not experience the short-term decrease in your portfolio.

Disclosures of Compensation and Revenue Sharing Practice. MOIS and its representatives may receive compensation from mutual fund companies, variable product insurance companies and state sponsored 529 Plans made available to youother product sponsors. These payments include sales charges (sometimes called “loads”) ), advisory fees, solicitor fees and trailing commissions (including service fees known as 12b-1 payments). For more information regarding the compensation received on your account please review the applicable plan documents and disclosures presented by your representative. MOIS may also receive additional payments called revenue sharing payments or marketing allowances from certain providers under special agreements with those firms. These additional payments are designed to help such providers facilitate the distribution of their products through the marketing and education of representatives regarding the product features, benefits and risks. Such marketing and education may include one-on-one marketing, due diligence presentations and attendance at MOIS sponsored conferences. These revenue sharing payments or marketing allowance payments are more fully described in applicable prospectuses, disclosure documents and plan documents, and are usually paid out by a mutual fund affiliate and are not from fund assets or commissions generated by the fund. MOIS representatives do not receive a greater or lesser compensation for sales of products for which MOIS receives revenue sharing payments or marketing allowance and therefore we do not believe they are subject to a conflict of interest when recommending one product over another. However, a mutual fund or insurance carrier’s marketing and educational activity could lead a representative to focus on such products (as opposed to products which do not provide such support) when recommending investments products to customers. MOIS offers retirement plan services through Mutual of Omaha Insurance Company’s (“Mutual of Omaha”) Retirement Services program. Mutual of Omaha Retirement Services offers investments through a group variable annuity contract underwritten by United of Omaha Life Insurance Company (“United of Omaha”) in all states except New York. Companion Life Insurance Company (“Companion Life”) underwrites the group variable annuity in New York. In addition, MOIS offers access to a retirement plan platform through Mutual of Omaha Retirement Services, which may be utilized by plan sponsors and your Representative. United of Omaha and Companion Life are both affiliates of MOIS. There is a conflict of interest with respect to recommendations for retirement plan investments through Mutual of Omaha Retirement Services as MOIS’s affiliate(s) will earn additional compensation for assets invested in such plans. MOIS has an arrangement with Pershing LLC based on the number of assets held in custody with Pershing LLC. At the end of each quarter, if MOIS does not meet a minimum revenue amount with Pershing LLC, MOIS is charged subject to a specified fee as agreed upon with Pershing LLC. This arrangement with Pershing LLC presents a conflict of interest for MOIS to recommend investments with Pershing LLC rather than other investments investment options that may be more appropriateappropriate for customers. For more specific and updated disclosure regarding specific compensation, conflicts of interest and revenue arrangements go to our website at xxx.xxxxxxxxxxxxx.xxx/xxxxxxxxxxx. • Investment ObjectivesDisclosure of MOIS Process for Handling Customer Checks. You understand that your Representative is responsible for promptly transmitting any funds received from you in relation to account activity. After the MOIS Home Office receives the complete and correct new account application and transaction paperwork, MOIS may take up to seven days to review and transmit funds. MOIS has identified five common investment objectives for customers will maintain a copy of funds received in the Home Office, including a record of when the funds were received from the customer and the date the funds were transmitted to determine their objectives for assets held with Pershing or directly with a the Product Sponsor. Based on Once MOIS has approved or rejected the definitions set forth below transaction, the funds will be promptly transmitted to the Product Sponsor or returned to the customer. BROKERAGE ACCOUNT(S) WITH PERSHING LLC The following applies to you when establishing or have established a brokerage account through MOIS will rely upon as introducing broker-dealer at Pershing LLC (“Pershing”), which is a New York Stock Exchange member firm. Xxxxxxxx has been engaged by MOIS as the objective(s) selected by you, in addition with other factors such as your risk tolerance and time horizon, etc., clearing firm to provide Services for your accountsaccount custody and clearing services. Consequently, it is important To the extent that you select have a brokerage account established through MOIS at Pershing, You, MOIS and Pershing are collectively the objective that most closely matches what you wish “Parties” to achieve with regard to the particular account this Agreement, and the assets invested with Pershing and/or a Product Sponsorterm “Qualified Custodian” as used in the General Terms & Conditions section will refer to Pershing. You understand there is no guarantee and agree to the following terms of this Section - Brokerage Account(s) with Pershing to the Account: • Relationship with Pershing. Pershing and MOIS are separate legal entities that have entered into a fully disclosed clearing agreement for Pershing to provide clearing and financial custody services. In the event you are now or will be in the future entering into a fully-disclosed account with Xxxxxxxx, you agree to be bound by the Clearing Terms and Conditions contained in this Agreement, as well as the other terms and conditions of this Agreement. You acknowledge and agree that if you establish an account with Xxxxxxxx that you will achieve the selected objective. • Preservation of Principal/Income (Conservative): Focus is on preserving principal and/or generating current income. You are generally willing to accept minimal risk, even if the account does not generate significant income or returns. • Balanced (Moderate Conservative): Focus is on generating current income and/or long-term capital growth. You are generally willing to accept a low to moderate risk to principal with limited volatility, to seek a modest return. • Growth and Income (Moderate): Focus is primarily on generating long-term capital growth and income. You are generally willing to accept moderate risk to principal, volatility, have read and understand that you could lose a portion the respective duties and responsibilities of MOIS and Xxxxxxxx as set forth in the money invested. • Growth (Moderate Aggressive): Focus is on generating long-term capital growth. You are generally willing to accept a moderate to high risk to principal and a moderate degree of volatility, and understand that you could incur substantial loss of principal. • Maximum Growth (Aggressive): Focus is on generating maximum possible returns. You are generally willing to accept the maximum amount of risk to principal and understand that you could lose most, or all, money invested. • Risk Tolerance. Risk tolerance is the amount of risk you are willing to accept for a particular investment or account(s). Risk tolerance decisions must carefully consider multiple aspects of your situationPershing Disclosure Statement, including but not limited to, investment knowledge and experience, age, liquidity needs, and net worth. MOIS has identified four levels of risk tolerance that it makes available to its customers to determine their level of risk tolerance. When selecting the risk tolerance for your investments or account(s) it is important that you read the description of the risk tolerance level carefully and select the one that most closely resembles your risk tolerance. Low: You are willing to accept minimal risk, even if that means your investment does not generate significant income or returns and may not keep pace with inflation. You may be a low-risk investor if the following criteria apply: • You prefer low volatility investmentsXxxxxxxx is responsible for the execution, clearing and recording of transactions conducted through Pershing. • You are not comfortable with investing more than a nominal portion of your money in stocks Xxxxxxxx is responsible for preparing confirmations and statements reflecting any transactions or other securities that may lose some or all of their valuefinancial activities in your Pershing accounts. • You desire an extremely stable income stream Pershing is responsible for extending credit (margin), receiving, delivering, holding and disbursing monies or growth pattern. • You are concerned about the loss of principal. • You have a short-term investment time frame. • You want to preserve the future purchasing power of your capitalsecurities, but not in a high-risk situation. • The amount of risk you are willing to take to outpace inflation is slight. • You are comfortable experiencing possible short-term decreases in your portfolio value in exchange for potential long-term positive gainsincluding paying or collecting dividends, but you would rather not experience the short-term decrease in your portfoliointerest and processing other corporate actions (i.e., redemptions, tender offers, share splits).

Disclosures of Compensation and Revenue Sharing Practice. MOIS and its representatives may receive compensation from mutual fund companies, variable product insurance companies and state sponsored 529 Plans made available to you. These payments include sales charges (sometimes called “loads”) and trailing commissions (including service fees known as 12b-1 payments). MOIS may also receive additional payments called revenue sharing payments or marketing allowances from certain providers under special agreements with those firms. These additional payments are designed to help such providers facilitate the distribution of their products through the marketing and education of representatives regarding the product features, benefits and risks. Such marketing and education may include one-on-one marketing, due diligence presentations and attendance at MOIS sponsored conferences. These revenue sharing payments or marketing allowance payments are more fully described in applicable prospectuses, and are usually paid out by a mutual fund affiliate and are not from fund assets or commissions generated by the fund. MOIS representatives do not receive a greater or lesser compensation for sales of products for which MOIS receives revenue sharing payments or marketing allowance and therefore we do not believe they are subject to a conflict of interest when recommending one product over another. However, a mutual fund or insurance carrier’s marketing and educational activity could lead a representative to focus on such products (as opposed to products which do not provide such support) when recommending investments to customers. MOIS has an arrangement with Pershing LLC based on the number of assets held in custody with Pershing LLC. At the end of each quarter, if MOIS does not meet a minimum revenue amount with Pershing LLC, MOIS is charged a specified fee as agreed upon with Pershing LLC. This presents a conflict of interest for MOIS to recommend investments with Pershing LLC rather than other investments that may be more appropriate. For more specific and updated disclosure regarding specific compensation, conflicts of interest and revenue arrangements go to our website at xxx.xxxxxxxxxxxxx.xxx/xxxxxxxxxxx. • Investment Objectives. MOIS has identified five common investment objectives for customers to determine their objectives for assets held with Pershing or directly with a Product Sponsor. Based on the definitions set forth below MOIS will rely upon the objective(s) selected by you, in addition with other factors such as your risk tolerance and time horizon, etc., to provide Services for your accounts. Consequently, it is important that you select the objective that most closely matches what you wish to achieve with regard to the particular account and the assets invested with Pershing and/or a Product Sponsor. You understand there is no guarantee that you will achieve the selected objectiveselectedobjective. • Preservation of Principal/Income (Conservative): Focus is on preserving principal and/or generating current income. You are generally willing to accept minimal risk, even if the account does not generate significant income or returns. • Balanced (Moderate Conservative): Focus is on generating current income and/or long-term capital growth. You are generally willing to accept a low to moderate risk to principal with limited volatility, to seek a modest return. • Growth and Income (Moderate): Focus is primarily on generating long-term capital growth and income. You are generally willing to accept moderate risk to principal, volatility, and understand that you could lose a portion of the money invested. • Growth (Moderate Aggressive): Focus is on generating long-term capital growth. You are generally willing to accept a moderate to high risk to principal and a moderate degree of volatility, and understand that you could incur substantial loss of principal. • Maximum Growth (Aggressive): Focus is on generating maximum possible returns. You are generally willing to accept the maximum amount of risk to principal and understand that you could lose most, or all, money invested. • Risk Tolerance. Risk tolerance is the amount of risk you are willing to accept for a particular investment or account(s). Risk tolerance decisions must carefully consider multiple aspects of your situation, including but not limited to, investment knowledge and experience, age, liquidity needs, and net worth. MOIS has identified four levels of risk tolerance that it makes available to its customers to determine their level of risk tolerance. When selecting the risk tolerance for your investments or account(s) it is important that you read the description of the risk tolerance level carefully and select the one that most closely resembles your risk tolerance. Low: You are willing to accept minimal risk, even if that means your investment does not generate significant income or returns and may not keep pace with inflation. You may be a low-risk investor if the following criteria apply: • You prefer low volatility investments. • You are not comfortable with investing more than a nominal portion of your money in stocks or other securities that may lose some or all of their value. • You desire an extremely stable income stream or growth pattern. • You are concerned about the loss of principal. • You have a short-term investment time frame. • You want to preserve the future purchasing power of your capital, but not in a high-risk situation. • The amount of risk you are willing to take to outpace inflation is slight. • You are comfortable experiencing possible short-term decreases in your portfolio value in exchange for potential long-term positive gains, but you would rather not experience the short-term decrease in your portfolio.

Disclosures of Compensation and Revenue Sharing Practice. MOIS and its representatives Advisors may receive compensation from Third Party Money Managers, mutual fund companies, variable product insurance companies and state sponsored 529 Plans made available to you. These payments include sales charges (sometimes called “"loads”") and trailing commissions (including service fees known as 12b-1 payments). MOIS may also receive additional payments called revenue sharing payments or marketing allowances from certain providers under special agreements with those firms. These additional payments are designed to help such providers facilitate the distribution of their products through the marketing and education of representatives Advisors regarding the product features, benefits benefits, and risks. Such marketing and education may include one-on-one marketing, due diligence presentations and attendance at MOIS sponsored conferences. These revenue sharing payments or marketing allowance payments are more fully described in applicable prospectuses, prospectuses and are usually paid out by a mutual fund affiliate and are not from fund assets or commissions generated by the fund. MOIS representatives Advisors do not receive a greater or lesser compensation for sales of products for which MOIS receives revenue sharing payments or marketing allowance and therefore we do not believe they are subject to a conflict of interest when recommending one product over another. However, a mutual fund or insurance carrier’s 's marketing and educational activity could lead a representative an Advisor to focus on such products (as opposed to products which do not provide such support) when recommending investments to customers. MOIS has an arrangement with Pershing Pershing, LLC based on the number of assets held in custody with Pershing Pershing, LLC. At the end of each quarter, if MOIS does not meet a minimum revenue amount with Pershing Pershing, LLC, MOIS is charged a specified fee as agreed upon with Pershing Pershing, LLC. This presents a conflict of interest for MOIS to recommend investments with Pershing Pershing, LLC rather than other investments that may be more appropriate. For more specific and updated disclosure regarding specific compensation, conflicts of interest compensation and revenue arrangements go to our website at xxx.xxxxxxxxxxxxx.xxx/xxxxxxxxxxx. • Investment Objectives. MOIS has identified five common investment objectives for customers to determine their objectives for assets held with Pershing or directly with a Product Sponsor. Based on the definitions set forth below MOIS will rely upon the objective(s) selected by you, in addition with other factors such as your risk tolerance and time horizon, etcxxxxx.xxxxxxxxxxxxx.xxx/investments., to provide Services for your accounts. Consequently, it is important that you select the objective that most closely matches what you wish to achieve with regard to the particular account and the assets invested with Pershing and/or a Product Sponsor. You understand there is no guarantee that you will achieve the selected objective. • Preservation of Principal/Income (Conservative): Focus is on preserving principal and/or generating current income. You are generally willing to accept minimal risk, even if the account does not generate significant income or returns. • Balanced (Moderate Conservative): Focus is on generating current income and/or long-term capital growth. You are generally willing to accept a low to moderate risk to principal with limited volatility, to seek a modest return. • Growth and Income (Moderate): Focus is primarily on generating long-term capital growth and income. You are generally willing to accept moderate risk to principal, volatility, and understand that you could lose a portion of the money invested. • Growth (Moderate Aggressive): Focus is on generating long-term capital growth. You are generally willing to accept a moderate to high risk to principal and a moderate degree of volatility, and understand that you could incur substantial loss of principal. • Maximum Growth (Aggressive): Focus is on generating maximum possible returns. You are generally willing to accept the maximum amount of risk to principal and understand that you could lose most, or all, money invested. • Risk Tolerance. Risk tolerance is the amount of risk you are willing to accept for a particular investment or account(s). Risk tolerance decisions must carefully consider multiple aspects of your situation, including but not limited to, investment knowledge and experience, age, liquidity needs, and net worth. MOIS has identified four levels of risk tolerance that it makes available to its customers to determine their level of risk tolerance. When selecting the risk tolerance for your investments or account(s) it is important that you read the description of the risk tolerance level carefully and select the one that most closely resembles your risk tolerance. Low: You are willing to accept minimal risk, even if that means your investment does not generate significant income or returns and may not keep pace with inflation. You may be a low-risk investor if the following criteria apply: • You prefer low volatility investments. • You are not comfortable with investing more than a nominal portion of your money in stocks or other securities that may lose some or all of their value. • You desire an extremely stable income stream or growth pattern. • You are concerned about the loss of principal. • You have a short-term investment time frame. • You want to preserve the future purchasing power of your capital, but not in a high-risk situation. • The amount of risk you are willing to take to outpace inflation is slight. • You are comfortable experiencing possible short-term decreases in your portfolio value in exchange for potential long-term positive gains, but you would rather not experience the short-term decrease in your portfolio.