"Annual fee comparison on a hypothetical $100,000 constant balance","","","",""
"Two arrangements are compared using the same balance for one year. Enter actual written quotes in the last column. The example compares charges, not investment quality or equivalent service.","","","",""
"Cost item","Calculation basis","Hypothetical arrangement A","Hypothetical arrangement B","Your quote and source date"
"Annual account charge","Flat annual charge","$50","$0",""
"Annual advice charge","$100,000 multiplied by annual advice rate","0.60%: $600","No advice charge: $0",""
"Fund expenses","$100,000 multiplied by weighted annual expense ratio","0.10%: $100","0.25%: $250",""
"Illustrated annual total","Account charge plus advice charge plus fund expenses","$750","$250",""
"Trading charges and spreads","Expected trades and purchase/repurchase quotes","Not included; obtain a quote","Not included; obtain a quote",""
"Custody or storage","Asset-specific annual and transaction charges","Not included; check whether applicable","Not included; check whether applicable",""
"Transfer or closure charges","One-time cost of leaving","Not included; obtain a quote","Not included; obtain a quote",""
"Cash treatment","Compare the default cash balance, yield and restrictions separately","Record actual terms","Record actual terms",""
"Other cost","","","",""
"Note: The illustrated $500 annual difference follows from the stated charges only. It is not a recommendation or a prediction of investment returns.","","","",""
"Note: The constant-balance assumption ignores deposits, withdrawals, market movement and fee timing. Actual percentage charges use the provider’s specified billing basis.","","","",""
"Note: A weighted expense ratio belongs to the actual holdings and allocations. Check whether an advice charge includes fund expenses or is added to them.","","","",""
"Note: Record estimates and one-time charges separately from recurring annual charges. Save the full dated fee schedule and compare services as well as prices.","","","",""