Common use of BUSINESS CONTINUITY PLAN DISCLOSURE Clause in Contracts

BUSINESS CONTINUITY PLAN DISCLOSURE. We have developed a comprehensive business continuity plan (“the Plan”) that covers the broker-dealer operations of Securities America, Inc., advisory services of Securities America Advisors, Inc. and advisory services of Arbor Point Advisors, LLC collectively referred to as the “Companies.” The Companies are owned by Securities America Financial Corporation. While each of the Companies operates as a separate entity they may share certain personnel and facilities in providing, as necessary and appropriate, administrative and support services for their respective clients. The Plan is designed to ensure that the Companies are prepared to continue providing service to our clients in the event that we experience a significant disruption of any kind to our business operations. The Plan addresses business disruptions of varying severity and scope at our headquarters; provides for frequent testing, testing in response to any material changes affecting our business and takes into consideration our critical third-party relationships. As part of our Plan, we have developed a proprietary, geographically diverse back-up facility complete with space for key employees as well as telephones, computers, and other necessary hardware. This proprietary facility is located on a separate power grid from our headquarters and is serviced by a different power provider. It has local and long-distance telephone service providers that are distinct from those that service the Companies’ headquarters. What follows is a description of how the Companies intend to respond to the following four types of disruptions: (1) a firm-only disruption, (2) a disruption that affects a single building, (3) a disruption that affects the entire city or business district, and (4) a disruption that affects the entire Midwest region. We have also included information about how long we expect it would take us to recover from these disruptions.

BUSINESS CONTINUITY PLAN DISCLOSURE. We have developed a comprehensive business continuity plan (“the Plan”) that covers the broker-dealer operations of Securities America, Inc., advisory services of the Securities America Advisors, Inc. and advisory services of Arbor Point Advisors, LLC collectively referred to as the “Companies.” The Companies are owned by Securities America Financial Corporation. While each of the Companies operates as a separate entity they may share certain personnel and facilities in providing, as necessary and appropriate, administrative and support services for their respective clients. The Business Continuity Plan is designed to ensure that the Securities America Companies are prepared to continue providing service to our clients in the event that we experience a significant disruption of any kind to our business operations. The Plan addresses business disruptions of varying severity and scope at our headquarters; . It provides for frequent testing, testing at least annually and in response to any material changes affecting our business business, and takes into consideration our critical third-party relationships. Although it is impossible to anticipate every scenario, we believe that our plan should enable us to resume doing business upon the occurrence of those events that are most likely to affect our headquarters and our data centers. As part of our Plan, we have developed a proprietary, geographically diverse back-up facility complete with space for key employees as well as telephones, computers, and other necessary hardware. This proprietary facility is located on a separate power grid from our headquarters and is serviced by a different power provider. It has local and long-long distance telephone service providers that are distinct from those that service the Securities America Companies’ headquarters. What follows is a description of how the Securities America Companies intend to should respond to the following four types of disruptions: (1) a A firm-only disruption, (2) a disruption that affects a single building, (3) a disruption that affects the entire city or business district, and (4) a disruption that affects the entire Midwest region. We have also included information about how long we expect it would should take us to recover from these disruptions.

BUSINESS CONTINUITY PLAN DISCLOSURE. We have developed a comprehensive business continuity plan (“the Plan”) that covers the broker-dealer operations of Securities America, Inc., advisory services of Inc. (SAI) and Securities America Advisors, Inc. and advisory services of Arbor Point Advisors, LLC (SAA) collectively referred to as the “Securities America Companies.” The Companies . SAI and SAA are owned by Securities America Financial Corporation. While each of the Securities America Companies operates as a separate entity they may company, SAI and SAA share certain personnel and facilities in providing, as necessary and appropriate, to provide coordinated administrative and support services for their respective clients. The Business Continuity Plan is designed to ensure that the Securities America Companies are prepared to continue providing service to our clients in the event that we experience a significant disruption of any kind to our business operations. The Plan addresses business disruptions of varying severity and scope at our headquarters; . It provides for frequent testing, testing at least annually and in response to any material changes affecting our business business, and takes into consideration our critical third-party relationships. Although it is impossible to anticipate every scenario, we believe that our plan should enable us to resume doing business upon the occurrence of those events that are most likely to affect our headquarters and our data centers. As part of our Plan, we have developed a proprietary, geographically diverse back-up facility complete with space for key employees as well as telephones, computers, and other necessary hardware. This proprietary facility is located on a separate power grid from our headquarters and is serviced by a different power provider. It has local and long-long distance telephone service providers that are distinct from those that service the Securities America Companies’ headquarters. What follows is a description of how the Securities America Companies intend to should respond to the following four types of disruptions: (1) a firm-A firm- only disruption, (2) a disruption that affects a single building, (3) a disruption that affects the entire city or business district, and (4) a disruption that affects the entire Midwest region. We have also included information about how long we expect it would should take us to recover from these disruptions.