Common use of Risk Tolerance Clause in Contracts

Risk Tolerance. Risk tolerance is the lower of: ■ your willingness to accept risk, and ■ your ability to withstand financial declines in the value of your portfolio. This will be an important fact to consider. It will directly influence the types of investments you wish to hold in the Account. Why do we need to know this? The investment portfolios in our Customer Investor Profiles have been professionally designed to align with the risk tolerance of each Investor Profile. For Fund orders you request that do not follow your Investor Profile, the risk profile of the Fund will be compared to your risk tolerance, or the risk that you can tolerate.

Risk Tolerance. Risk tolerance is the lower of: ■ your willingness to accept risk, and ■ your ability to withstand financial declines in the value of your portfolio. This will be an important fact to consider. It will directly influence the types of investments you wish to hold in the Account. Why do we need to know this? The investment portfolios in our Customer Investor Profiles have been professionally designed to align with the risk tolerance of each Investor Profile. For Fund orders you request that do not follow your the Investor Profile, the risk profile of the Fund will be compared to your risk tolerance, or the . You should not purchase a Fund that has a higher risk that profile than you can toleratehave.