When you invest your hard earned money ...

You do have the right to:

• Ask for and receive information from a firm about the work history and background of the person handling your account, as well as information about the firm itself.

• Receive complete information about the risks, obligations, and costs of any investment before investing.

• Receive recommendations consistent with your financial needs and investment objectives if you use a full service brokerage.

• Receive a copy of all completed account forms and agreements.

• Receive account statements that are accurate and understandable.

• Understand the terms and conditions of transactions you undertake.

• Access your funds in a timely manner and receive information about any restrictions or limitations on access.

• Discuss account problems with the manager or compliance department of the firm and receive prompt attention to and fair consideration of your concerns.

• Receive complete information about commissions, sales charges, maintenance or service charges, transaction or redemption fees, and penalties.

• Contact your local securities agency in order to verify the employment and disciplinary history of a securities salesperson and the salesperson's firm; find out if the investment is permitted to be sold; or file a complaint.