12/23/08-12/09; THE CLIENT STATES THE FA INFORMED HER SHE WOULD BE ABLE TO WITHDRAW 10% OF THE PRINCIPAL PLUS INTEREST ANNUALLY WHEN SHE FIRST PURCHASED THE ANNUITY. WHEN SHE REQUESTED TO WITHDRAW 10% SHE WAS INFORMED BY THE BRANCH OFFICE ADMINISTRATOR SHE COULD ONLY WITHDRAW THE INTEREST EACH YEAR. SHE STATES WHEN SHE FOLLOWED UP WITH THE FA, SHE STATES HE INFORMED HER HE MADE A MISTAKE. SHE WANTS TO GET OUT OF THE ANNUITY WITHOUT A PENALTY.

$5,000.00

ACCORDING TO THE FA, AT THE TIME OF PURCHASE IN DECEMBER 2008, THE CLIENT WAS INFORMED SHE COULD WITHDRAW 10% ANNUALLY ON THE ANNUITY. HOWEVER, IT IS OUR UNDERSTANDING THE CLIENT WAS INFORMED THE LAST WEEK OF JANUARY 2009 THE AMOUNT THAT COULD BE WITHDRAWN PENALTY FREE WAS THE INTEREST OF 6.15%. ANY ADDITIONAL AMOUNTS WOULD BE ASSESSED SURRENDER CHARGES. WHILE THE FA INDICATES THE CLIENT WAS NOT HAPPY WITH THE INFORMATION, THE CLIENT WAS HAPPY WITH THE RATE RECEIVED AND WANTED TO KEEP THE ANNUITY. AT THE TIME THE CLIENT WAS INFORMED OF THE AMOUNT SHE COULD WITHDRAW WITHOUT PENALTY, SHE DID NOT INSTRUCT THE FA OR EDWARD JONES TO CANCEL OR LIQUIDATE THE ANNUITY. ADDITIONALLY, THE CLIENT AND HER ACCOUNTANT WERE INFORMED IN AUGUST 2009 ON THE AMOUNT SHE COULD WITHDRAW WITH PENALTY AND THE SURRENDER SCHEDULE. THE CURRENT RATES ON PROTECTIVE PLATINUM FIXED INCOME ARE AROUND 4%; OUR RECORDS INDICATE THE CLIENT RECEIVED 6.15% ON YOUR ANNUITY. DUE TO MARKET CONDITIONS, THE RATES HAVE DECREASED AND THE RATE SHE RECEIVED IS NO LONGER AVAILABLE. OUR RECORDS INDICATE SHE WITHDREW THE INTEREST EARNED FOR 2009 ON JANUARY 6, 2010. IF THE CLIENT WANTS TO LIQUDIATE THE ANNUITY, SHE WILL NEED TO CONTACT THE FA TO DISCUSS THE MARKET VALUE ADJUSTMENT, MAV, AND SURRENDER CHARGES. THE CLIENT'S REQUEST TO CANCEL THE ANNUITY WITHOUT PENALTY IS DENIED.