• Information we received from you on applications or other forms;

• Information about your transactions with us or others; and

• Information we may received from a consumer reporting agency.

We do not disclose any nonpublic personal information about you to anyone, except as permitted or required by law. If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

We restrict access to your personal and account information to those employees or entities** who need to know that information to provide products or services to you. We provide physical, electronic, and procedural safeguards to guard your nonpublic personal information.

* Services directly related to your account would include our clearing service provider, SIS/ADP, and ADP proxy serivces

** We may provide your information to third parties upon your written request or, if required, to complete the purchase of a particular product managed by another entity. These roducts would include mutual funds, annuities, and insurance products. The information provided may include your name, address, social security number, dividend payment instructions, age, financial information, and in the case of certain insurance products, medical information. These companies have privacy policies which may be requested from those entities.