**The maximum front-end or back-end load fee chargeable is 5%. For Utmost (formerly Generali International), the maximum is 4%. FMG always retains 1%. Back-End Load Fees: Redemption in Year 1: 5%, Year 2: 4%, Year 3: 3%, Year 4: 2%, Year 5: 1%, Year 6: 0%. Failure to notify FMG will result in the full commission being charged and retained by FMG.

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