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     AAG Customer Agreement Terms & Conditions

To Agree to the terms please click the "Agree" link at the bottom of this page.

1. Owner and Joint Owner (Customer) is/are of Legal Age in the state in which the customer resides and is authorized to enter into this agreement. This agreement will be governed by the laws of the state of Minnesota.

2. Customer appoints Advanced Advisor Group, LLC (AAG) as agent for the purpose of carrying out his/her directions with respect to the purchase and sale of securities in accordance with the terms and conditions of this agreement. AAG will not act as a Registered Investment Advisor for this account with respect to the purchase or sale of securities Customer may make, and no fiduciary relationship exists unless Customer enters into a separate advisory services contract with AAG. All transactions will be done by order of Customer or his/her authorized representative.

3. Customer understands that AAG has entered into agreements with several life insurance and investment companies which issue securities and maintain accounts directly with investors. The type of account opened will be determined at the discretion of a AAG authorized representative.

4. This agreement and its provisions shall be continuous, and shall inure to the benefit of AAG and any successor organization or assigns, and shall be binding upon Customer and/or the estate executors, administrators and assigns of Customer.

5. AAG is authorized, at its discretion, should the Customer die or for other reasons deemed necessary for our protection without notice, to cancel any outstanding orders in order to close out Customer account or to close out any commitment(s) made on behalf of the Customer.

6. Customer authorizes any law enforcement agency, public or private institution, information service bureau, or other entity contacted by AAG to furnish information sufficient to confirm Customer's identity as required by Federal Law. This information is confidential and will not be used for any other purpose. Customer hereby releases all persons, agents and agencies, and entities providing Customer identification information from any and all liability arising out of the requests for or release of Customer's personal identifying information.

7. AAG shall not be liable for loss or delay caused directly or indirectly by war, natural disasters, government restrictions, exchange or market ruling, extreme trading volumes or other conditions beyond AAG control.

8. Customer agrees not to buy or sell any securities of a corporation of which he is an affiliate or sell any restricted securities except in compliance with applicable laws and regulations. Customer shall notify AAG if any of the securities traded or deposited into the account are restricted.

9. No one except the Customer has an interest in the account being established unless such interest is revealed in the title of the account.

10. Risk Tolerance - What's your comfort zone? No matter how much money you need to meet your goals or how much time you have until retirement. It's important to find a level of investment risk you can tolerate.
- If it doesn't bother you that your savings could vary as much as 10% or 20% over a short time, then investment options with higher risks and higher potential rewards might be right for you.
- If market fluctuations keep you awake at night, you may want to opt for investment options that offer more stable, reliable returns.

Levels of Risk -
- Conservative - You're not comfortable with risk or don't need to be aggressive with your money. The predictable rates of return in fixed - income investments - bond funds, money market accounts, and fixed accounts - make sense for you.
- Moderate - You seek to balance potential risk with increased income potential. A moderate portfolio will hold a balanced mix of most asset classes.
- Moderate/Aggressive - You're somewhat cautious but in search of higher returns. Stocks, particularly large, blue-chip domestic stocks, should play a big role in your portfolio.

- Aggressive - You're looking for the highest possible return in spite of short-term risks. Most of your portfolio should be in stocks, with a high percentage in small cap and international stocks. If you're ready to map out your investment strategy, consider talking to one of our financial representatives. They'll take your goals, time line, and risk tolerance into consideration and help you structure a portfolio that fits your needs.


11. Investment Objective
- Income - Current income emphasized over capital growth.
- Growth - Capital growth emphasized over current income.
- Tax Shelter - Any technique that allows one to legally reduce or avoid tax liabilities.
- Preservation of Capital - A conservative investment strategy characterized by a desire to avoid risk or loss.

12. If this is a joint account, unless Customer notifies AAG otherwise and provides such documentation as required, the account shall be held jointly with rights of survivorship payable to either or the survivor. Each joint tenant irrevocably appoints the other as attorney-in-fact to take all action on his or her behalf and to represent him or her in all respects in connection with the Agreement. AAG shall be fully protected in acting but shall not be required to act upon instructions of either joint tenant. Each joint tenant shall be liable, jointly and individually, for any amounts due to AAG pursuant to this Agreement, whether incurred by either joint tenant.

13. Customer agrees to pay any applicable fees and charges on the fee schedule received by the Customer. AAG reserves the right to change (if any) the fee schedule from time to time.

14. All communications so sent, whether by mail, telegraph, messenger or otherwise, shall be deemed given to the Customer, whether actually received or not. Customer understands and agrees that for the mutual protection of all parties AAG may electronically record any telephone conversations.

15. PREDISPUTE ARBITRATION AGREEMENT
A) All parties to this agreement are giving up the right to sue each other in court, including the right to a trial by jury, except as provided by the rules of the arbitration forum in which a claim is filed.
B) Arbitration awards are generally final and binding; a party's ability to have a court reverse or modify an arbitration award is very limited.
C) The ability of the parties to obtain documents, witness statements and other discovery is generally more limited in arbitration than in court proceedings.
D) The arbitrators do not have to explain the reason(s) for their award.
E) The panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with the securities industry.
F) The rules of some arbitration forums may impose time limits for bringing a claim in arbitration. In some cases, a claim that is ineligible for arbitration may be brought in court.
G) The rules of the arbitration forum in which the claim is filed, and any amendments thereto, shall be incorporated into this agreement.

Customer agrees that all controversies between AAG and Customer arising out of AAG business or this agreement, shall be submitted to arbitration conducted before the National Association of Securities Dealers, Inc. and in accordance with its rules. Arbitration must he commenced by service upon the other party of a written demand for arbitration or a written notice of intention to arbitrate.

No person shall bring a putative or certified class action to arbitration, nor seek to enforce any pre-dispute arbitration agreement against any person who has initiated in court a putative class action; or who is a member of a putative class action who has not opted out of the class with respect to any claims encompassed by the putative class action until: (i) the class certification is denied; (ii) the class action is decertified; or (iii) the customer is excluded from the class by the court. Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver or any rights under this agreement except to the extent stated herein.





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