AVAILABLE DURING ACCUMULATION Select from a blend: Allocating by investment category (AIC) During the accumulation phase, clients can build a diversi昀椀ed portfolio that meets their needs by participating in our AIC program. Each investment option has been assigned to an investment category based on risk. Clients may allocate to any investment option across the following categories, provided they follow the minimum and maximum allocation requirements as indicated in the chart. Allocation guidelines Category Minimum allocation Maximum allocation Conservative 10% 100% Moderate 0% 90% Aggressive 0% 40% NOTE: Please see the following spread for the available investments options For Financial Professional Use Only. Not for Use With Consumers. 17