Regulation Best Interest Questionnaire Instructions

Provide a detailed description of the process and/or tools used for analyzing the cost of the current recommendation and its reasonably available alternatives.

Check this box if the selected product offers investment options that the alternative products do not.

Check this box if the selected product offers tax benefits that the alternative products do not.

Check this box if the selected product offers income generation that the alternative products do not.

Check this box if the selected product includes a death benefit that the alternative products do not.

Check this box if the selected product offers diversification that the alternative products do not.

Check this box if the selected product offers inflation protection that the alternative products do not.

Check this box if the selected product offers access to cash that the alternative products do not.

Check this box if the selected product offers lower cost than the alternative products.

Check this box if the selected product offers another benefit not listed above that the alternative products do not.

Please specify any other benefit or need that the selected product offers that alternative products do not. Fill only if '4. Other' is 'Yes'.

Check this box if the client's financial needs include providing a death benefit or an enhanced death benefit.

Check this box if the client's financial needs include protecting against or paying off debt.

Check this box if the client's financial needs are related to business purposes.

Check this box if the client's financial needs involve estate planning.

Check this box if the client's financial needs include diversifying their investment portfolio.

Check this box if the client's financial needs include rebalancing their assets.

Check this box if the client's financial needs involve charitable giving.

Check this box if the client's financial needs focus on generating income from their investments.

Check this box if the client's financial needs include annuitization options.

Check this box if the client's financial needs involve saving and accumulating wealth.

Check this box if the client's financial needs are for funding their retirement.

Check this box if the client's financial needs are for funding education or college expenses.

Check this box if the client has financial needs not listed above and provide details.

Please specify any other financial need that the client is trying to meet through this product or account type. Fill only if 'Other' is 'Yes'.

Please provide the full name of the client.

Please provide the client's Social Security Number or Tax ID.

Check this box if the client's preferred investment strategy is to purchase and hold securities for an extended period, focusing on long-term growth rather than short-term fluctuations.

Check this box if the client's preferred investment strategy involves investing a fixed amount of money at regular intervals, regardless of market price, to reduce the average cost per share over time.

Check this box if the client's preferred investment strategy is primarily focused on generating regular income from their portfolio, typically through dividends, interest, or rental income.

Check this box if the client's preferred investment strategy includes using borrowed funds from a brokerage firm (margin) to purchase securities.

Check this box if the client's preferred investment strategy involves distributing investments among various asset classes, such as stocks, bonds, and cash equivalents, to manage risk and return.

Check this box if the client's preferred investment strategy includes using financial instruments to offset potential losses in an existing investment or portfolio.

Check this box if the client's preferred investment strategy involves staggering the maturity dates of fixed income securities to manage interest rate risk and provide a consistent stream of income.

Check this box if the client's preferred investment strategy requires specific instructions to hold certain assets, possibly due to tax implications or long-term strategic goals.

Check this box if the client's preferred investment strategy emphasizes spreading investments across various assets, industries, and geographic regions to minimize risk.

Check this box if the client's preferred investment strategy includes specific plans for the systematic liquidation or withdrawal of funds from their investments.

Check this box if the client's preferred investment strategy is significantly influenced by tax considerations and aims to optimize tax efficiency for their investments.

Check this box if the client's preferred investment strategy involves frequent buying and selling of securities in an attempt to profit from short-term price movements.

Check this box if the client's preferred investment strategy is not adequately described by the other listed options and write in the specific strategy.

Please provide details for any other preferred investment strategy not listed. Fill only if 'Other' is 'Yes'.

Provide details of any conflicts of interest that were disclosed orally to the client.

Please provide the fifth financial professional's signature.

Please provide the date of the fifth financial professional's signature. Fill only if 'Fifth Financial Professional Signature' is signed.

Enter the full name of the financial professional.

Provide the representative code for the financial professional.

Please enter the client's signature.

Please enter the date the client signed. Fill only if 'Client Signature' is signed.

Provide the signature of the first financial professional.

Provide the date when the first financial professional signed. Fill only if 'First Financial Professional Signature' is signed.

Provide the date the Client Relationship Summary (Form CRS) was delivered.

Enter the full name of the fourth financial professional signing the document.

Provide the date when the fourth financial professional signed the document. Fill only if 'Fourth Financial Professional Signature' is signed.

Provide details on any other factors not discussed above that played into the investment decision with the client.

Check this box if annuities were considered as a reasonably available alternative with the client.

Check this box if investment advisory accounts were considered as a reasonably available alternative with the client.

Check this box if a taxable brokerage account was considered as a reasonably available alternative with the client.

Check this box if a non-taxable brokerage account was considered as a reasonably available alternative with the client.

Check this box if life insurance was considered as a reasonably available alternative with the client.

Check this box if 529 accounts were considered as a reasonably available alternative with the client.

Check this box if a Coverdell account was considered as a reasonably available alternative with the client.

Check this box if a direct mutual fund account was considered as a reasonably available alternative with the client.

Check this box if any other alternatives not listed were considered with the client.

Please specify any other reasonably available alternative considered with the client. Fill only if 'Other' is 'Yes'.

Please enter the second client's full signature.

Please enter the date the second client signed. Fill only if 'Second Client Signature' is signed.

Enter the second financial professional's signature.

Enter the date the second financial professional signed. Fill only if 'Second Financial Professional Signature' is signed.

Please enter the signature for the third financial professional.

Please provide the date of the third financial professional's signature. Fill only if 'Third Financial Professional Signature' is signed.