Material conflict of interest: A material Best Interest: This means that the agent must conflict exists when a person has a financial act with the care, skill, prudence, and interest that a reasonable person would diligence under the circumstances then conclude could affect the exercise of its best prevailing that a prudent person acting in a judgment as a fiduciary in rendering advice like capacity and familiar with such matters to a plan or IRA. would use in the conduct of an enterprise of like character and with like aims, based on Other charges, fees, discounts: Charges, the investment objectives, risk tolerance, fees, discounts, penalties or adjustments financial circumstances and needs of the which may be imposed under the retirement investor, without regard to the recommended contract in connection with the financial or other interests of the agent or any purchase, holding, exchange, termination, or affiliate or other party. sale of the contract. 86399816.6
Best Interest: This means that the agent must act with the care, skill, prudence, and diligence under the circumstances then prevailing that a prudent person acting in a like capacity and familiar with such matters would use in the conduct of an enterprise of like character and with like aims, based on the investment objectives, risk tolerance, financial circumstances and needs of the retirement investor, without regard to the financial or other interests of the agent or any affiliate or other party. Material conflict of interest: A material conflict exists when a person has a financial interest that a reasonable person would conclude could affect the exercise of its best judgment as a fiduciary in rendering advice to a plan or IRA. Other charges, fees, discounts: Charges, fees, discounts, penalties or adjustments which may be imposed under the recommended contract in connection with the purchase, holding, exchange, termination, or sale of the contract. 86399816.6
84-24-Fixed-Rate-Annuities-IRAs-Disclosure-Form-Instructions.DOCX