2/1/01-3/9/10; THE CLIENT'S SON AND DAUGHTER ALLEGED THAT THE INVESTMENTS HELD IN THEIR MOTHER'S ACCOUNT WERE FAR TOO AGGRESSIVE AND NOT SUITABLE FOR AN 81 YEAR OLD WOMAN. THEY ALLEGED THAT SINCE EARLY 2008 THE VALUE OF HER ACCOUNT HAS DECLINED BY APPROXIMATELY $75,000.00.

$5,000.00

THE CLIENT PURCHASED THESE MUTUAL FUNDS OVER TEN YEARS AGO AND HAS WITHDRAWN FUNDS FROM THEM OVER THE YEARS. THE CLIENT'S PORTFOLIO VALUE AT THE END OF FEBRUARY 2008 WAS $149,876.00 AND AT THE END OF MARCH, 2010 THE VALUE WAS $106,280.00. DURING THIS PERIOD OF TIME, THE CLIENT WITHDREW APPROXIMATELY $22,000.00. IF THE CLIENT WAS UNCOMFORTABLE WITH HER INVESTMENTS DURING THE PAST TEN YEARS, SHE COULD HAVE EXCHANGED INTO OTHER FUNDS WITHIN THE FUND FAMILIES AND NOT INCURRED A COMMISSION CHARGE. THE INVESTMENTS WERE AUTHORIZED BY THE CLIENT AND MET HER INVESTMENT OBJECTIVES.