FROM MARCH 31, 2004 TO APRIL 2, 2012 CLIENTS CLAIM THEY HAVE BEEN CLIENTS SINCE 3/31/04. AT THE TIME OF THE PURCHASE THE CLIENTS CLAIM THEY WERE TOLD BY THE FINANCIAL ADVISOR THAT AFTER 7 YEARS THEY WOULD GET THE TOTAL THEY INVESTED BACK AND MORE IF IT GAINS. CLIENTS CLAIM THE 7 YEAR DEATH BENEFIT WAS NEVER MENTIONED. CLIENTS CLAIM THEY WERE TOLD BY THE FINANCIAL ADVISOR THE $700 MONTHLY DISTRIBUTION WAS INTEREST AND THEY WERE TOLD THERE WAS NO WAY THEY WOULD LOSE THEIR MONEY.

$5,000.00

EDWARD JONES DENIES CLIENTS' REQUEST FOR THE RETURN OF THE PRINCIPAL INVESTED IN THE SUNAMERICA POLARIS II VARIABLE ANNUITY(ANNUITY) IN THE AMOUNT OF $152,307.00. THE ANNUITY WAS PURCHASED ON MARCH 31, 2004. AT THE TIME OF PURCHASE THE DETAILS ASSOCIATED WITH THE ANNUITY WERE DISCUSSED IN DETAIL. FINANCIAL ADVISOR STATED AND HAS CONVEYED TO CLIENTS HE DID NOT GUARANTEE THE RETURN OF PRINCIPAL NOR DID HE INDICATE THE MONTHLY AMOUNT CLIENTS WOULD RECEIVE REPRESENTED ONLY INTEREST. FURTHER, IT IS UNDERSTOOD CLIENTS WERE INFORMED ON MORE THAN ONE OCCASION, AS THIS WAS A CLASS A ANNUITY, CLIENTS WOULD PAY A COMMISSION UP-FRONT AND THEREFORE NO SURRENDER PERIOD ON THE CONTRACT. WE ARE UNCLEAR WHAT CLIENTS ARE REFERRING TO WITH REGARD TO THE "7 YEAR" PERIOD OR "7 YEAR DEATH BENEFIT". FINANCIAL ADVISOR BELIEVES CLIENTS MAY HAVE CONFUSED SOME INFORMATION WITH THEIR GE ANNUITIES WHICH HAD A 7 YEAR SURRENDER PERIOD. THE DEATH BENEFIT ELECTED FOR THIS ANNUITY IS THE MAXIMUM ANNIVERSARY DEATH BENEFIT AND DOES NOT INVOLVE A 7 YEAR PERIOD. CLIENTS RECEIVED THE ANNUITY CONTRACT ON MAY 5, 2004 AS EVIDENCED BY THEIR SIGNATURES ON THE DELIVERY RECEIPT. IN ADDITION TO THE DETAILS OF THE ANNUITY PROVIDED TO CLIENTS BY FINANCIAL ADVISOR, THE ANNUITY CONTRACT PROVIDES CLIENTS WITH ALL OF THE TERMS ASSOCIATED WITH THEIR CONTRACT. CLIENTS HAVE BEEN PROVIDED WITH STATEMENTS FROM SUNAMERICA AND THE ANNUITY IS ALSO LINKED AND REPORTED ON THEIR EDWARD JONES ACCOUNT STATEMENT. THE INFORMATION PROVIDED REFLECTS WITHDRAWALS AS WELL AS THE CURRENT VALUE OF THE CONTRACT. AS A RESULT, IT IS OUR BELIEF CLIENTS WERE AWARE THE MANNER IN WHICH THE WITHDRAWALS AFFECTED THE VALUE OF THE ANNUITY. IT IS OUR UNDERSTANDING CLIENTS HAVE MET WITH FINANCIAL ADVISOR FOR ACCOUNT REVIEWS AND ATTENDED SEMINARS AND DID NOT EXPRESS TO HIM THEIR CONCERNS UNTIL HIS MEETING WITH CLIENTS ON OR AROUND MARCH 27, 2012. BASED ON OUR REVIEW OF THE PERFORMANCE OF THE ANNUITY AND TAKING WITHDRAWALS INTO ACCOUNT, THE ANNUITY CURRENTLY REFLECTS A NET GAIN.