Common use of Financial Institution References Clause in Contracts

Financial Institution References. Reference 1: Reference 2: Select the categories that best describe your investment objectives and the risk that you are willing to assume in this account. Different investment products and strategies involve different degrees of risk. The greater the expected returns of a product or strategy, the greater the risk that you could lose some or all of your investment. Investments should be chosen based on your objectives, timeframe, and tolerance for market fluctuations. (Note that a secondary investment objective is not required) Capital Preservation  Low You may not choose a secondary investment objective if you select Capital Preservation. Income  Low  Moderate  High Income  Low  Moderate  High Growth  Moderate  High Growth  Moderate  High Speculation  High Speculation  High  Capital Preservation: The object of capital preservation is to protect your initial investment by choosing investments that minimize the potential of a loss of principal. The long-term risk of this strategy is that returns may not offset inflation.  Income: The primary objective of the income strategy is to provide current income rather than the long-term growth of principal.  Growth: The objective of the growth strategy is to increase the value of your investment over time while recognizing a high likelihood of volatility.

Financial Institution References. Reference 1: Reference 2: Select the categories that best describe your investment objectives and the risk that you are willing to assume in this account. Different investment products and strategies involve different degrees of risk. The greater the expected returns of a product or strategy, the greater the risk that you could lose some or all of your investment. Investments should be chosen based on your objectives, timeframe, and tolerance for market fluctuations. (Note that a secondary investment objective is not required) Capital Preservation  Low You may not choose a secondary investment objective if you select Capital Preservation. Income  Low  Moderate  High Income  Low  Moderate  High Growth  Moderate  High Growth  Moderate  High Speculation  High Speculation  High  • Capital Preservation: The object of capital preservation is to protect your initial investment by choosing investments that minimize the potential of a loss of principal. The long-term risk of this strategy is that returns may not offset inflation.  Income: The primary objective of the income strategy is to provide current income rather than the long-term growth of principal.  Growth: The objective of the growth strategy is to increase the value of your investment over time while recognizing a high likelihood of volatility.

Financial Institution References. Reference 1: Reference 2: Reference 3: Select the categories that best describe your investment objectives and the risk that you are willing to assume in this account. Different investment products and strategies involve different degrees of risk. The greater the expected returns of a product or strategy, the greater the risk that you could lose some or all of your investment. Investments should be chosen based on your objectives, timeframe, and tolerance for market fluctuations. (Note that a secondary investment objective is not required) Capital Preservation  Low You may not choose a secondary investment objective if you select Capital Preservation. Income  Low  Moderate  High Income  Low  Moderate  High Growth  Moderate  High Growth  Moderate  High Speculation  High Speculation  High  Capital Preservation: The object of capital preservation is to protect your initial investment by choosing investments that minimize the potential of a loss of principal. The long-term risk of this strategy is that returns may not offset inflation.  Income: The primary objective of the income strategy is to provide current income rather than the long-term growth of principal.  Growth: The objective of the growth strategy is to increase the value of your investment over time while recognizing a high likelihood of volatility.