Common use of Moderately Aggressive Clause in Contracts

Moderately Aggressive. This risk tolerance indicates you want to outperform stock market indices when the markets go up but are aware of and accept the fact that your account will likely be down more than the market indices when the stock markets perform poorly. You are willing to accept more risk than the average investor for the potential of greater returns. Aggressive: This risk tolerance indicates you want to substantially outperform the stock market and are willing to accept the higher degree of risk associated with seeking returns that outperform. You are very aware that a similar level of outperformance when markets are performing well can negatively impact you when markets are not faring well. You accept a high level of risk with the potential for greater returns. Speculative: This risk tolerance indicates you are comfortable with the highest level of risk and the highest average possibility for loss of initial investment value in exchange for higher potential to profit from an anticipated price move. USA PATRIOT ACT NOTICE

Moderately Aggressive. This risk tolerance indicates you want to outperform stock market indices when the markets go up but are aware of and accept the fact that your account will likely be down more than the market indices when the stock markets perform poorly. You are willing to accept more risk than the average investor for the potential of greater returns. Aggressive: This risk tolerance indicates you want to substantially outperform the stock market and are willing to accept the higher degree of risk associated with seeking returns that outperform. You are very aware that a similar level of outperformance when markets are performing well can negatively impact you when markets are not faring fairing well. You accept a high level of risk with the potential for greater returns. Speculative: This risk tolerance indicates you are comfortable with the highest level of risk and the highest average possibility for loss of initial investment value in exchange for higher potential to profit from an anticipated price move. USA PATRIOT ACT NOTICE