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| To invest in one of our products, you must follow these
simple steps: |
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First, you must fill out a Customer Profile form to help us determine your risk profile. Once you have submitted the form, an investment advisor will contact you with the investment options best suited for you. | ||
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Depending on your profile and your advisor's recommendation, you may want to invest in Mutual Funds (international customers only) or in Fixed Income Investments, such as U.S. treasury Bills, Municipal Bonds, etc. We currently carry two families of funds: MFS Investment Management and Alliance Capital Management. | ||
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The fees for Mutual Funds are as follows:
| Class A Commissions | |||
| $5,000 | < | $50,000 | 3.50% |
| $50,000 | < | $100,000 | 3.00% |
| $100,000 | < | $300,000 | 2.50% |
| $300,000 | < | $500,000 | 2.00% |
| $500,000 | < | $1,000,000 | 1.50% |
| $1,000,000 | + | 1.00% | |
| · | This type of commission can either be deducted from the principal amount at the of time of purchase, or if you prefer, it can be paid separately. |
| · | Applies to both Fixed Income and Variable Income Funds. |
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| · | These charges will be deducted by the fund administrator according to the charts above. |
| · | These charges will apply only if the original investment amount and any subsequent future investments are reduced. |
| · | All earnings (if any) and paid dividends (if applicable) can be withdrawn without penalty, as long as the investment amount is not less than the original amount and the subsequent investments. |
| These Investment Products offered by Pacific National Bank: (i) are not deposits insured by the FDIC; (ii) are not obligations of Pacific National Bank; (iii) are not guaranteed by Pacific National Bank; (iv) involve investment risks, including the possible loss of principal. |