THE CLIENT DOESN'T WANT THE ANNUITY ANYMORE AND SAY SHE WANTED TO BE ABLE TO ACCESS HER MONEY WITHOUT PENALTY. SHE WANTS ALL HER MONEY BACK

$13,464.00

I HAD FOUR DOCUMENTED FACE TO FACE MEETINGS SPENDING NEARLY SIX HOURS EXPLAINING EVERY ASPECT OF THIS ANNUITY IN GREAT DETAIL TO THE CLIENT IN THE PRESENCE OF AT LEAST TWO WITNESSES DURING EVERY MEETING. I ALSO REVIEWED THE CLIENT'S FULL FINANCIAL PROFILE AND TWO RISK TOLERANCE QUESTIONAIRES TO ENSURE THIS ANNUITY MET THE CLIENT'S INVESTMENT OBJECTIVE, RISK TOLERANCE AND TIME HORIZON. IN ADDITION, I HAD NO LESS THAN FIVE ADDITIONAL PHONE CONVERSATIONS WITH THE CLIENT PRIOR TO THE CLIENT PURCHASING THIS ANNUITY. BETWEEN THE FOUR FACE TO FACE MEETINGS AND FIVE PHONE CONVERSATIONS THERE WERE NO LESS THAN NINE SEPARATE INTERACTIONS OVER THREE WEEKS PRIOR TO THE CLIENT PURCHASING THIS ANNUITY. THE CLIENT SIGNED AND INITIALED ANNUITY ACKNOWLEDGEMENT DISCLOSURES DETAILING THE CDSC SCHEDULE AND THE ANNUITY APPLICATION. IN ADDITION, THE CLIENT REVIEWED AND SIGNED A DETAILED SIDE BY SIDE COMPARISON ILLUSTRATING THE ROLLOVER OF THE COVERED PLAN TO THIS ANNUITY MORE THAN A WEEK BEFORE THE PURCHASE OF THIS PRODUCT. THE CLIENT MADE A FULLY-INFORMED DECISON TO PURCHASE THE ANNUITY.