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These Terms of Use ("Terms of Use") are made between the undersigned user ("you") and Lord, Abbett & Co. ("we" or "us"). They become effective on the date that you electronically execute these Terms of Use ("Effective Date").

A. You are a successful financial consultant that markets securities, including the Lord Abbett Family of Funds;

B. We have developed the Lord Abbett Intelligence System (the "Intelligence System"), a state of the art information resource that we make available to a limited community of broker/dealers through the Internet at a secure Web site (the "LAIS Site"); and

C. We wish to provide access to the Intelligence System to you as an information tool responsive to the demands of your successful business pursuant to these Terms of Use. Accordingly, you and we, intending to be legally bound, hereby agree as follows:]

1. Overview. · Scope. These Terms of Use (which we may amend from time to time) govern your use of the Intelligence System. · Revisions; Changes. We may amend these Terms of Use at any time by posting amended Terms of Use ("Amended Terms of Use") on the LAIS Site. Any Amended Terms of Use will become effective immediately upon posting. Your use of the Intelligence System after any Amended Terms of Use become effective will be deemed to constitute your acceptance of those Amended Terms of Use.We may modify or discontinue the Intelligence System at any time, temporarily or permanently, with or without notice to you. Purpose of the Intelligence System. The Intelligence System is intended to be an information resource that you may use to contribute to your business research. The Intelligence System is for broker/dealer use only; it is not to be used with the public in oral, written or electronic form. The information on the Intelligence System and LAIS Site is for your information only and is neither the tax, legal or investment advice of Lord Abbett or its third-party sources nor their recommendation to purchase or sell any security.

2. Your Privileges. · Personal Use. Your use of the Intelligence System is a nontransferable privilege granted by us to you and that we may deny, suspend or revoke at any time, with or without cause or notice. · Access to and Use of the Intelligence System. The User ID and password (together, an "Access ID") issued by us to you (as subsequently changed by you from time to time) is for your exclusive access to and use of the Intelligence System. You will: (a) be responsible for the security and use of your Access ID, (b) not disclose your Access ID to anyone and (c) not permit anyone to use your Access ID. Any access or use of the Intelligence System through the use of your Access ID will be deemed to be your actions, for which you will be responsible. · Required Technology. You must provide, at your own cost and expense, the equipment and services necessary to access and use the Intelligence System. At any time, we may change the supporting technology and services necessary to use the Intelligence System. · Availability. We make no guarantee that you will be able to access the Intelligence System at any given time or that your access will be uninterrupted, error-free or free from unauthorized security breaches.

3. Rights in Data. Our use of information collected from you will be in accordance with our Privacy Policy posted on the LAIS Site. Our compliance with our Privacy Policy will survive any termination of these Terms of Use or of your use of the Intelligence System.

4. Your Conduct in the Use of the Intelligence System. You may access, search, view and store a personal copy of the information contained on the LAIS Site for your use as a broker/dealer. Any other use by you of the Intelligence System and the information contained on the LAIS Site these Terms of Use is strictly prohibited. Without limiting the preceding sentence, you will not: · Engage in or permit any reproduction, copying, translation, modification, adaptation, creation of derivative works from, distribution, transmission, transfer, republication, compilation or decompilation, reverse engineering, display, removal or deletion of the Intelligence System, any portion thereof, or any data, content or information provided by us or any of our third-party sources in any form, media or technology now existing or hereafter developed, that is not specifically authorized under these Terms of Use.

· Remove, obscure or alter any notice, disclaimer or other disclosure affixed to or contained within the Intelligence System, including any copyright notice, trademark and other proprietary rights notices and any legal notices regarding the data, content or information provided through the Intelligence System.

· Create a hyperlink to, frame or use framing techniques to enclose any information found anywhere on the LAIS Site without our express prior written consent.

· Impersonate any person, or falsely state or otherwise misrepresent his or her affiliation with any person in connection with any use of the Intelligence System.

· Breach or attempt to breach the security of the Intelligence System or any network, servers, data, or computers or other hardware relating to or used in connection with the Intelligence System; nor (b) use or distribute through the Intelligence System software or other tools or devices designed to interfere with or compromise the privacy, security or use of the Intelligence System by others or the operations or assets of any person.

· Violate any applicable law, including, without limitation, any state federal securities laws. 5. Your Representations and Warranties. You hereby represent and warrant to us, for our benefit, as of the time of these Terms of Use and for so long as you continue to use the Intelligence System, that (a) you are, and will continue to be, in compliance with these Terms of Use and any applicable laws and (b) you are authorized to provide to us the information we collect, as described in our Privacy Policy.

6. Disclaimer of Warranties.

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THE INTELLIGENCE SYSTEM, THE LAIS SITE AND ALL DATA, INFORMATION AND CONTENT ON THE LAIS SITE ARE PROVIDED "AS IS" AND “AS AVAILABLE” AND WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND. WITHOUT LIMITING THE PRECEDING SENTENCE, LORD ABBETT, ITS AFFILIATES, AGENTS, THIRD-PARTY SUPPLIERS AND LICENSORS, AND THEIR RESPECTIVE EMPLOYEES, CONTRACTORS, DIRECTORS, OFFICERS AND SHAREHOLDERS (COLLECTIVELY, THE “LORD ABBETT GROUP”) EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. YOU EXPRESSLY AGREE THAT YOUR USE OF THE LAIS SITE, THE INTELLIGENCE SYSTEM, AND THE DATA, INFORMATION AND CONTENT PRESENTED THERE ARE AT YOUR SOLE RISK AND THAT THE LORD ABBETT GROUP WILL NOT BE RESPONSIBLE FOR ANY (A) ERRORS OR INACCURACIES IN THE DATA, CONTENT AND INFORMATION ON THE LAIS SITE AND THE INTELLIGENCE SYSTEM OR (B) ANY TERMINATION, SUSPENSION, INTERRUPTION OF SERVICES, OR DELAYS IN THE OPERATION OF THE LAIS SITE OR THE INTELLIGENCE SYSTEM.

· Disclaimer Regarding Investment Research.

THE INTELLIGENCE SYSTEM INCORPORATES DATA, CONTENT AND INFORMATION FROM VARIOUS SOURCES THAT WE BELIEVE TO BE ACCURATE AND RELIABLE. HOWEVER, THE LORD ABBETT GROUP MAKES NO CLAIMS, REPRESENTATIONS OR WARRANTIES AS TO THE ACCURACY, TIMELINESS, COMPLETENESS OR TRUTHFULNESS OF SUCH DATA, CONTENT AND INFORMATION. YOU EXPRESSLY AGREE THAT YOU ARE RESPONSIBLE FOR INDEPENDENTLY VERIFYING YOUR INVESTMENT RESEARCH PRIOR TO FORMING YOUR INVESTMENT DECISIONS OR RENDERING INVESTMENT ADVICE. THE LORD ABBETT GROUP WILL NOT BE LIABLE FOR ANY INVESTMENT DECISION MADE BY YOU OR ANY OTHER PERSON BASED UPON THE DATA, CONTENT AND INFORMATION PROVIDED THROUGH THE INTELLIGENCE SYSTEM OR ON THE LAIS SITE.

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THIS SECTION 6 SHALL SURVIVE ANY TERMINATION OF THESE TERMS OF USE OR YOUR USE OF THE INTELLIGENCE SYSTEM..

7. Limitations on Liability.

NONE OF THE MEMBERS OF THE LORD ABBETT GROUP WILL BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, SPECIAL OR EXEMPLARY DAMAGES (INCLUDING LOSS OF PROFITS, LOSS OF USE, TRANSACTION LOSSES, OPPORTUNITY COSTS, LOSS OF DATA, OR INTERRUPTION OF BUSINESS) RESULTING FROM, ARISING OUT OF OR IN ANY WAY RELATING TO THE INTELLIGENCE SYSTEM, THE LAIS SITE OR YOUR USE THEREOF, EVEN IF THE LORD ABBETT GROUP HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS SECTION 7 WILL SURVIVE ANY TERMINATION OF THESE TERMS OF USE OR YOUR USE OF THE INTELLIGENCE SYSTEM.

8. Miscellaneous Provisions.

· Governing Law. This Agreement will governed by and construed in accordance with the laws of the State of New York, without giving effect to applicable conflicts of law principles.

THE UNIFORM COMPUTER INFORMATION TRANSACTIONS ACT OR ANY VERSION THEREOF, ADOPTED BY ANY STATE, IN ANY FORM ("UCITA") WILL NOT APPLY TO THESE TERMS OF USE. TO THE EXTENT THAT UCITA IS APPLICABLE, THE PARTIES HEREBY AGREE TO OPT OUT OF THE APPLICABILITY OF UCITA PURSUANT TO THE OPT-OUT PROVISION(S) CONTAINED THEREIN.

The Intelligence System is not intended to be used by consumers, nor are the consumer protection laws of any jurisdiction intended to apply to the Intelligence System. You agree to initiate and maintain any action, suit or proceeding relating to these Terms of Use or arising out of the use of the Intelligence System exclusively in the courts, state and federal, located in or having jurisdiction over New York County, New York.

YOU HEREBY CONSENT TO THE PERSONAL JURISDICTION AND VENUE OF THE COURTS, STATE AND FEDERAL, LOCATED IN OR HAVING JURISDICTION OVER NEW YORK COUNTY, NEW YORK. YOU AGREE THAT YOU WILL NOT OBJECT TO A PROCEEDING BROUGHT IN YOUR LOCAL JURISDICTION TO ENFORCE AN ORDER OR JUDGMENT OBTAINED IN NEW YORK.

· Relationship of Parties. The parties to these Terms of Use are independent contractors and nothing in these Terms of Use will be construed as creating an employment relationship, joint venture, partnership, agency or fiduciary relationship between the parties.

· Notice. All notices provided under these Terms of Use will be in writing and will be deemed effective: (a) when delivered personally, (b) when received by electronic delivery, (c) one business day after deposit with a commercial overnight carrier specifying next day delivery, with written verification of receipt, or (d) three business days after having been sent by registered or certified mail, return receipt requested. We will only accept notices from you in English and by conventional mail addressed to: General Counsel Lord, Abbett & Co. 90 Hudson Street Jersey City, N.J. 07302-3973 We may give you notice by conventional mail or electronic mail addressed to the last mail or electronic mail address transmitted by you to us.

· Third-Party Beneficiaries. The members of the Lord Abbett Group are third-party beneficiaries of the rights and benefits provided to us under these Terms of Use. You understand and agree that any right or benefit available to us or any member of the Lord Abbett Group hereunder will also be deemed to accrue to the benefit of, and may be exercised directly by, any member of the Lord Abbett Group to the extent applicable.

· Survival. This Section 8 will survive any termination of these Terms of Use or your use of the Intelligence System. The undersigned hereby signs these Terms of Use. By electronically signing and clicking "Accept" below, these Terms of Use will be legally binding on me. To sign these Terms of Use, confirm your full name and enter your User ID and Password (as your electronic signature) in the fields indicated below and click the “I Accept” button.

 

Retirement Products

Coverdell ESA

You can save for a child's education with Lord Abbett. As long as the student for whom you are saving is under age 18 and your income qualifies, you can start investing in this account. Find out about a no custodial fees Lord Abbett Coverdell ESA.

This material is intended as general information only and is not intended as legal or tax advice. Some of this information may be quite complex and we strongly suggest you consult with your advisor or tax professional based on your individual situation.

What is a Coverdell ESA?

The Coverdell Education Savings Account (ESA) was created to help you save for a child's education expenses covering grades K–12 and qualified post-secondary education. An ESA is not a retirement plan; instead, it is an education savings device using the IRA model. Contributions are not tax-deductible,1 but when accumulations are used to pay qualified education expenses, the distributions are tax-free.

How does it work?

Anyone, including the student, may open and contribute up to $2,000 per year, per child, to a Coverdell ESA established on the student’s behalf, as long as the student is less than 18 years of age when the contribution is made or is a Special Needs Student.2 The person or entity making the contribution, called the donor, can be anyone, even the student. The donor does not have to be related to the student.

However, the donor must meet certain income requirements in order to make a full or partial contribution to an ESA. Joint filers who make $190,000 or less and single filers who make $95,000 or less may make a full contribution. Fund sales charges may apply.

Who should consider an ESA?

  • If you want to save tax-efficiently for a child's education.
  • It may be attractive to an individual who believes future tax rates will be higher than today's tax rates.
  • If you are saving for education and want to control where and how the funds are invested.Note: Internal Revenue Code Section 529 plans (529 Plan) are another means to save for a child's education.  However, many 529 plans create an investment glide path and model portfolios based on the child's age, so the investor has no choice as to how the money is allocated. The 529 limits, however, are much higher and you can have both an ESA and a 529 plan.

How does a Coverdell ESA benefit you?

An ESA offers the following benefits:

  • Tax-efficient savings for a child's education, since all distributions, including earnings, are exempt from federal income tax, provided the funds are used for qualified education expenses.
  • Qualified education expenses include those incurred in connection with the student’s enrollment or attendance throughout grades K –12, at a public, private, or religious school, or post-secondary education at an eligible educational institution.
  • Savings for a child can be transferred to another family member3 in the event the child chooses not to attend a post-secondary educational institution or receives scholarships covering tuition and fees.

1 An item or expense, such as an IRA contribution, which, when subtracted from adjusted gross income, reduces the amount of income subject to tax.

2 A Special Needs Student is one who, because of a physical, mental, or emotional condition (including a demonstrable learning disability) requires additional time to complete his or her education. Any requirements for a Special Needs Student specified in IRS regulations or rulings (if any) defining this term also must be satisfied.

3 Family members include the student's spouse, the student's children and their descendents, step-children and their descendents; the student's sibling or step-siblings; the  student's nieces and nephews, children in-law, sisters and brothers in-law and the student's first cousins.

This material is intended as general information only and is not intended as legal or tax advice. Some of this information may be quite complex and we strongly suggest you consult with your advisor or tax professional based on your individual situation.

Who is eligible to consider a Coverdell Education Savings Plan (ESA)?

Any beneficiary (child who will benefit from the account) who is under age 18 can have a Coverdell ESA. Special Needs Students may have a Coverdell ESA regardless of their age.  It has been frequently called an Education IRA, as it has some similarity to a Traditional IRA or a Roth IRA, in that earnings are tax deferred and potentially income tax-free if used to pay qualified education expenses, such as tuition and room and board.

Coverdell ESA rules require contributions be made by a donor who meets specific income tests. The donor can be anyone and does not have to be related to the beneficiary.  A parent, grandparent, uncle, aunt, or even a friend can make the contribution.  The following table should be helpful:

Donor's tax filing status
If modified adjusted gross (AGI)1 income is:
Then...
Joint filers
$190,000 or less A full contribution is allowed.
$190,001 to $220,000 A pro-rated contribution is allowed.
More than $220,000 No contribution is permitted.
Single filers
$95,000 or less A full contribution is allowed.
$95,001 to $110,000 A pro-rated contribution is allowed.
More than $110,000 No contribution is permitted.

 

In addition, corporations, and other entities, including tax-exempt organizations, may contribute to a Coverdell ESA, regardless of income. In other words, if the donor owned a business and the business made the contribution, the income test would not apply to the donor.

Once the contribution is made, the owner of the account becomes the account's custodian. The custodian must be the child's parent or legal guardian, so a relative or a friend, for example, making a contribution has no control after the deposit is made.

Since distributions, including earnings, used to pay qualified educational expenses are exempt from tax, the rules require the beneficiary to spend down the account before the age of 30 unless he/she is a Special Needs Student. Assets that are not going to be used for qualified education expenses can be transferred to another family member before the beneficiary attains age 30. Funds that are not used for qualified education expenses must otherwise be distributed to the beneficiary (or withdrawn by beneficiary), subjecting the earnings to tax and a 10% penalty.

Consider a Lord Abbett Coverdell ESA if you:

  • Would like to save tax efficiently for a child's education;
  • Would like the flexibility to invest the assets in mutual funds you select; or
  • Are a grandparent or other family member who would like to contribute toward a child's education.

1 Adjusted Gross Income includes wages, interest, capital gains, income from retirement accounts and alimony paid to the taxpayer adjusted downward by specific deductions (including contributions to deductible retirement accounts and alimony paid by the taxpayer); but not including standard and itemized deductions.

This material is intended as general information only and is not intended as legal or tax advice. Some of this information may be quite complex and we strongly suggest you consult with your advisor or tax professional based on your individual situation.

What are the Coverdell ESA contribution limits?

Each beneficiary's account (i.e., the child/student who will benefit) may receive contributions totaling $2,000 annually, regardless of how many donors contribute to the account. Contributions must be in cash and must be made before the child reaches his/her eighteenth birthday, unless he or she is a Special Needs Student. Contributions must be made by the due date of the tax return, April 15 (not including extensions). 

Who can make a Coverdell ESA contribution?

The donor must meet certain income requirements in order to be eligible to make a full or partial contribution to an ESA. Joint filers who make $190,000 or less and single filers who make $95,000 or less may make a full contribution per student.

When making a contribution to a Lord Abbett ESA, the donor does not have to be related to the student. However, if the donor is not the parent/legal guardian, then the donor has no control over the account once the contribution is made.

What happens if the total Coverdell ESA contribution exceeds $2,000?

Excess contributions will be returned to the beneficiary (the student). The deadline to remove excess contributions from the account without incurring a 10% penalty on earnings is June 1 of the tax year following the year in which the contribution was made. For example, if you made a $3,000 Coverdell ESA contribution in December 2012, your child would have until June 1, 2013, to remove $1,000 (the amount over of the maximum). The same would be true if the contribution were made on January 4, 2013, for the 2012 year (see above). In the latter case, you would have the choice, if the student were still eligible (see "Coverdell ESA Eligibility" rules for more information.), to receive contributions, to have $1,000 applied toward 2013's limit.

Excess Coverdell ESA contributions that are not withdrawn timely will also be subject to a 6% excess tax.

This material is intended as general information only and is not intended as legal or tax advice. Some of this information may be quite complex and we strongly suggest you consult with your advisor or tax professional based on your individual situation.

When can a Coverdell ESA distribution be made?

The designated beneficiary (the student) of a Coverdell ESA must take distributions for qualified educational expenses before attaining age 30, unless the beneficiary is a Special Needs Student.

Can unused funds be transferred to another family member?

 Yes. Any unused funds in the account may be transferred to another family member1 of the beneficiary who has not yet reached age 30 or who is a Special Needs Student, regardless of age. Coverdell ESAs, cannot be rolled over to any other type of IRA.

What are the limits as to how contributions and earnings may be used?

 Contributions and earnings accumulate and can be used to fund qualified educational expenses. Qualified Coverdell ESA distributions include the following, and apply to expenses incurred in connection with the student's enrollment or attendance throughout grades K-12 at a public, private, or religious school:

  • Tuition, fees, and tutoring;
  • Special needs services for a "Special Needs Student." A Special Needs Student is a student who, because of a physical, mental, or emotional condition (including a demonstrable learning disability) requires additional time to complete his or her education;
  • Books, supplies, and equipment; and
  • Room and board, uniforms, transportation, and other supplementary items required or provided by the school; and purchase of any computer, technology, equipment, Internet access, or related services. This does not include expenses for computer software designed for sports, games, or hobbies, unless the software is predominately educational in nature.

Qualified post-secondary education (e.g., college, university, or vocational school) Coverdell ESA distributions include:

  • Tuition and fees;
  • Books, supplies and equipment; and
  • Expenses for special needs services.

1 A "family member," for purposes of a Coverdell ESA, includes the beneficiary and any of the following who are under age 30, or who are Special Needs Students, regardless of age: the beneficiary's spouse, the beneficiary's children and their descendants, the beneficiary's stepchildren, the beneficiary's siblings and their children, the beneficiary's step-siblings, parents and grandparents, the beneficiary's nieces, nephews, aunts and uncles, the beneficiary's stepparents, sons and daughters-inlaw, parents-in-law and brothers or sisters-in-law, and spouses of all the foregoing, and first cousins (but not the spouse of a first cousin).