Website Terms of Use Disclosure

Each user of this Website agrees as follows:

1. Copyrights and Other Intellectual Property:

Except as otherwise noted in this Website, all information, documentation and other content posted in this Website (collectively, the "Information") is the property of Money Concepts. Without limiting the foregoing, the graphics, icons and overall appearance of this Website are the property of Money Concepts. The posting of Information does not constitute a waiver of any of Money Concepts' proprietary rights in or related to such Information (such as, but not limited to, patents, copyrights and trademarks) or a transfer of any such rights to you or any third party. The Information is protected by U.S. and international copyright laws, both as individual works and as a collection. You agree not to delete any copyright or similar notice from any Information. You may not sell or republish, or copy for other than your own individual use, the Information or any portion thereof without the prior written consent of Money Concepts.

2. No Offer or Solicitation of Securities:

This Information is provided for your general information only and does not constitute an offer to sell or a solicitation of an offer to buy securities. The Information does not constitute a sufficient basis for making a decision with respect to the purchase or sale of any security. Before purchasing any security, please consult your Money Concepts Financial Planner for information about and analysis of the investment, its risks and its suitability in your particular circumstances.

3. Links to Other Websites:

Periodically, links may be established between this Website and one or more websites operated or content provided by third parties. Money Concepts has no control over any such other websites or their contents and will have no liability arising out of or related to such websites or their contents. The existence of any such links does not constitute an endorsement of such websites, the contents of the websites or the operators of the websites.

4. Non-Confidentiality of Communications:

If you send a message or information to this Website, such as (but not limited to) an e-mail to the Webmaster, you hereby grant to Money Concepts the right to read, use, distribute, disclose and otherwise handle the communication and any related information as Money Concepts deems appropriate in its sole judgment.

YOU ARE HEREBY ADVISED THAT, EXCEPT AS EXPRESSLY PROVIDED OTHERWISE ON THIS WEBSITE, NO FACILITIES ARE PROVIDED AND NO PROVISIONS ARE MADE FOR SENDING OR RECEIVING CONFIDENTIAL COMMUNICATIONS. TO THE EXTENT SUCH FACILITIES ARE PROVIDED OR PROVISIONS ARE MADE, IT IS SOLELY ON AN "AS IS" BASIS, WITH NO WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED.

5. No Warranties; Limitation of Liability:

Although Money Concepts attempts to provide useful Information, Money Concepts does not guarantee that the Information is accurate, current or suitable for any particular purpose. Money Concepts assumes no obligation to update or continue to post the Information. Money Concepts does not guarantee that access to this Website will be uninterrupted, that this Website will be free of viruses or that this Website cannot be tampered with by third parties. Money Concepts does not guarantee that information sent to this Website will not be obtained, reviewed, disclosed or tampered with by third parties, whether or not measures are taken to secure such information.

THIS WEBSITE, THE INFORMATION AND ANY SOFTWARE RELATED THERETO ARE PROVIDED ON AN "AS IS" BASIS, WITH NO WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY OR ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. USE OF THIS WEBSITE, THE INFORMATION AND SUCH SOFTWARE IS AT THE USER'S SOLE RISK. IN NO EVENT WILL MONEY CONCEPTS BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF OR RELATED TO THIS WEBSITE (INCLUDING, BUT NOT LIMITED TO ANY SOFTWARE RELATED THERETO), ANY WEBSITE OPERATED BY A THIRD PARTY OR ANY INFORMATION CONTAINED IN THIS WEBSITE OR ANY OTHER WEBSITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, EVEN IF MONEY CONCEPTS IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

6. General:

These Terms and Conditions will be construed in accordance with the laws of Florida, without regard to its conflict of law provisions. The provisions of these Terms and Conditions are severable. If any such provision is determined to be unenforceable, such unenforceability will not affect any other provision of these Terms and Conditions, and the Terms and Conditions will be construed as if such unenforceable provision had not been contained herein. No waiver by Money Concepts of any right under or provision of these Terms and Conditions will be deemed to be either a waiver of any other such right or provision or a waiver of that same right or provision at any other time.

Customer Privacy Notice

At Money Concepts Capital Corp. (“MCC”) we understand that the privacy and security of the personal and account information that you have entrusted to us and to our independent associates with whom you have chosen to do business is of utmost importance. We value the opportunity to serve you, and we are obligated to honor that relationship with care. For that reason, MCC and its affiliate company, Money Concepts International, Inc., adhere to confidentiality standards that are designed to protect your personal information. We believe that your privacy should not be compromised. At the same time we want our independent associates to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the policy outlined below.

PROTECTING YOUR INFORMATION

When you establish a relationship with an independent MCC advisor and purchase financial and investment products and services through MCC, you are asked to share personal and financial information used to help in the assessment and attainment of your financial goals. In that relationship, independent MCC advisors will use the information to assist you in identifying the services and products you may want or need, to meet changing needs, and to identify constantly developing new products and services that may be of interest to you. MCC may also want to contact you to review your current information and status in order to assure that both we and our independent associates can serve you better. The information you share with us is important to you, and you can expect that we will protect the privacy and use of your private personal and financial information. At MCC we are committed to protecting the privacy of the information we collect, use, and share about you.

MCC has taken the appropriate methods that require the disposal of consumer report information so that the information cannot practically be read or reconstructed.

OUR DISCLOSURE OF YOUR INFORMATION

So that you may be better served, MCC and its independent associates may share information about you with nonaffiliated financial institutions, such as banks, clearing firms or custodians, who perform services on our behalf or when necessary for the performance of our services. These non-affiliated financial institutions are bound by obligations of confidentiality not to disclose any information provided by MCC or any independent MCC advisor about you and may not use such information for any purposes other than the performance of the particular service involved. We also may disclose information about you to non-affiliated third parties as permitted by law, for example to process a financial product or service that you have authorized. We also may share your information with regulators and law enforcement organizations, or in response to a subpoena or discovery request, as permitted or required by law.

In this way we can also make available new products and services. Our employees have access to your information only when it is necessary for them to assist you or your independent MCC advisor in the completion of transactions or in the offer and sale of additional products and services. All of our employees are strictly held to this privacy policy, and each of our independent associates confirms his or her undertaking to be strictly bound by it. We employ physical and electronic safeguards to protect your non-public personal information. We do not sell, share, or disclose your nonpublic personal information to unaffiliated third-party marketing companies.

OPTING IN

If the MCC advisor servicing your account(s) leaves MCC to join another broker/dealer, the MCC advisor may retain copies of your personal information so that he or she can continue to serve you at the new firm. In doing so, your representative may share your information with the new firm, but is otherwise required to keep confidential the personal information obtained from you while the associate was affiliated with MCC and he or she may only use it to service your account(s).

*If you reside in the state of Alaska, California, Illinois, Maine, Massachusetts, Missouri, New Hampshire, North Dakota or Vermont, we are required to obtain your written approval to allow your advisor to take your information to a new firm.

OPTING OUT

If you live in an “opt-out” state and do not want your advisor to take your information with him or her should your advisor decide to leave MCC in the future, you have the right to opt out of such disclosure. If you have a joint account, we will treat an opt-out direction by a joint customer as applying to all associated joint customers. If you wish to opt in or opt out, now or at any time in the future, please contact our Compliance department at 800-326-1825.

INTERNET PRIVACY PROTECTION POLICY

Effective Date: August 1, 2004. We are committed to protecting your privacy. Our website is a great way to find out more about our services, access informative articles and financial information. We will not collect any personal, identifiable information without your knowledge. Identifiable information can be broken up into two categories, personal and non-personal information.

NON-PERSONAL INFORMATION

Our site may create a temporary data file commonly known as a cookie. It may also track the areas of our website that you visit. We may collect information regarding the internet provider from which you are connecting to our site, such as AOL or MSN. We may also track the website from which you linked to our site. This information is used statistically and not to identify individuals.

PERSONAL INFORMATION

You can visit the site and remain anonymous by not providing any personal information. However, you may choose to share this information by completing applications, online forms or requesting that we contact you. Personal information includes, but is not limited to name, address, phone number and email address.

When using secure areas of this website to provide or access your personal information, the information is encrypted, making it indecipherable to third parties. Your browser will indicate that you are in a secure area by displaying a locked padlock in the bottom of the screen. Internet connections cannot be guaranteed to be 100% secure. We have taken all reasonable measures to protect the information entered and accessed on the website. However, we cannot be liable for unintentional disclosure of information.

KEEPING INFORMATION CURRENT

MCC and its independent associates are committed to keeping your non-public personal and financial information secure, accurate and current. You should provide your independent MCC advisor with any updates and changes to your personal information.

CHANGES AND UPDATES TO PRIVACY POLICY

By effecting transactions through MCC you consent to the collection and use of personal information as described in this Privacy Policy. This policy reflects MCC’s current business practices, and is subject to change and update. In the event of a change, a revised policy will be sent to you or otherwise made available through your independent MCC advisor.

Product Sponsor Compensation

At Money Concepts Capital Corp., (MCC), we strive to provide to you objective investment advice to assist you in achieving your goals. There are inherent in any recommendations, however, the potential for conflicts of interest. This conflict can come from the compensation our Representatives may receive on specific investments or advisory services, or it may come from the compensation that MCC may receive from third party providers as a result of your purchase of products, advisory or retirement plan services. It is important for you to understand these conflicts of interest so that you may make an informed decision to permit MCC to serve your investment needs. We will describe for you here some of the compensation factors as to the products and services that we offer. Should you have any questions about this information, please contact your MCC Financial Representative.

Product and Pricing Choice

MCC Product Sponsors have been chosen based on their ability to offer products that meet the financial needs of our investors, and the complexity associated with many of today’s product choices, it is important for investors to work with a Financial Representative. MCC Representatives are dedicated to assisting you in finding the right investment product. MCC offers a broad selection of more than 10,000 mutual fund and variable annuity choices. MCC does not maintain a “preferred” list of companies based on participation in any revenue sharing that it promotes but offers a selection of many companies.

Products and Services Compensation

As a registered broker dealer, MCC receives compensation in the form of commissions or concessions as described in a prospectus for the sale of securities, such as mutual funds, variable annuities, stocks and bonds. As a registered investment adviser, MCC retains a portion of the advisory fees paid by the advisory client for MCC’s advisory services and may also share in the advisory fee (a solicitor fee) paid by the advisory client to outside advisory services. As a general insurance agency, MCC receives compensation for the sale of insurance products, such as life, health, disability, long term care, and fixed annuity products. Overall, compensation to MCC as a result of your investments with MCC may be in the form of commissions, concessions, advisory fees, distribution fees (also referred to as servicing or 12 b-1 fees) and persistency fees.

Compensating Sponsors

MCC receives compensation over and above published commission schedules, advisory fees and concessions as described in a prospectus from certain Product Sponsors. This compensation may be paid for services we provide to the Product Sponsor or they may be paid to MCC in order to provide sales and marketing support. This "Additional Compensation" may be received as a flat dollar amount or an amount based on sales or total dollar amount of investors' assets. Product Sponsors who pay MCC Additional Compensation are considered MCC’s "Compensating Sponsors.

Source of Compensation

Some additional compensation payments are paid to MCC out of the revenues of the sponsoring investment company or insurance company and are NOT paid out of fund assets. Certain insurance companies or entities through which MCC places insurance business pay compensation that is based in part on factors such as total deposits, assets or premium volume and persistency or profitability of the business sold by MCC's Financial Representatives. The cost of this compensation may be directly or indirectly reflected in the premium or fee for the product. Because additional compensation received by MCC may benefit MCC or its Financial Representatives financially, it may be deemed a potential financial conflict of interest when working with our investors.

Types of Additional Compensation

The types and amounts of Additional Compensation can vary by Compensating Sponsor and other companies we have agreements with. The types of compensation may be used as: Sponsorship Fees paid by Product Sponsors and Investment Advisors for MCC sponsored sales events, paid in the form of cash or expense reimbursement, for sales meetings, seminars and conferences to which the Compensating Sponsor is invited; Additional Marketing and Sales Support Compensation received either in the form of a flat dollar amount, total sales transacted, or total assets held on behalf of MCC investors; Reimbursement of approved expenses incurred by Financial Representatives or MCC employees for attendance at educational meetings held by the Compensating Sponsor at pre-approved locations, or reimbursement of general mailings, client or prospective client appreciation meetings or seminars where the Compensating Sponsor has agreed to contribute toward the expense; Persistency bonuses received from Product Sponsors for maintaining in force business.

Differential Compensation

Commissions received by MCC on transactions vary, generally ranging from 1.0% to 6.0% of amount invested, and advisory fees generally range from 0.60% – 2.0% of the assets under management. With respect to commissions and advisory fees received, MCC pays each Financial Representative an assigned payout rate that has been determined based upon the branch office that the Financial Representative is assigned to, his/her total level of production, and the type of product being sold. MCC does not offer differential commission payouts based upon the specific product or the Sponsor of the Product.

Business Continuation Plan Summary

Money Concepts Capital Corp has developed a Business Continuity Plan on how we will respond to events that significantly disrupt our business. Since the timing and impact of disasters and disruptions is unpredictable, we will have to be flexible in responding to actual events as they occur. With that in mind, we are providing you with this information on our business continuity plan.

Contacting Us

If after a significant business disruption, you cannot contact us at 561-472-2000, or call toll free 800-326-1825 for any updates. You should contact your Money Concepts Capital Corp. Representative or the investment companies directly if you need immediate access to your accounts. If you currently have a brokerage account through Pershing, LLC (our clearing firm) please refer to the instructions below.

Pershing Customer Support

In the event that Money Concepts Capital Corp, experiences a significant business interruption, clients with a Pershing brokerage account may contact Pershing directly to process limited trade- related transactions, cash disbursements, and security transfers. Instructions to Pershing must be in writing and transmitted via facsimile or postal service as follows:

Pershing LLC
P.O. Box 2065C
Jersey City, New Jersey 07303-2065 C
Fax: (201) 413-5368

Please note that the fax number above is for business interruption-related issues only, and should not be used for any other purposes, such as change of address notices, account transfers, and credit verification. Information received on this fax that is unrelated to business interruption issues will not be acted upon.

For additional information about how to request funds and securities when Money Concepts Capital Corp cannot be contacted due to a significant business interruption please refer to additional information located at www.Pershing.com or call (201) 413-3635 for recorded instructions. If you cannot access the instructions from the previously noted telephone number, Pershing may be contacted at (213) 624-6100 extension 500 as an alternate telephone number for recorded instructions.

Our Business Continuity Plan

We plan to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the firm’s books and records, and allowing our customers to transact business. In short, our business continuity plan is designed to permit our firm to resume operations as quickly as possible, given the scope and severity of the significant business disruption.

Our business continuity plan addresses: data backup and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring our customers prompt access to their funds and securities.

Our clearing firm, Pershing backs up our important records in a geographically separate area. While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption, we have been advised by our clearing firm that its objective is to restore its own operations and be able to complete existing transactions and accept new transactions and payments within 4 hours. Your orders and requests for funds and securities could be delayed during this period.

Varying Disruptions

Significant business disruptions can vary in their scope, such as only our firm, a single building housing our firm, the business district where our firm is located, the city where we are located, or the whole region. Within each of these areas, the severity of the disruption can also vary from minimal to severe. In a disruption to only our firm or a building housing our firm, we will transfer our operations to a local site when needed and expect to recover and resume business within 24 hours. In a disruption affecting our business district, city, or region, we will transfer our operations to a site outside of the affected area, and recover and resume business within 48-72 hours. In either situation, we plan to continue in business, transfer operations to our St Louis, Missouri Office of Supervisory Jurisdiction (OSJ) Stan Lindquist (636) 925-3000 if necessary, and notify you through our web site, www.MoneyConcepts.com or our customer emergency number, 800-326-1825, on how to contact us. It is important to remember that all your accounts are either held directly at the investment company or at our clearing firm, Pershing. You can always contact them directly for immediate assistance. If the significant business disruption is so severe that it prevents us from remaining in business, we will assure our customer’s prompt access to their funds and securities.

Important Disclaimers

Money Concepts Capital Corp will adhere to the procedures described in its business continuity plan and described above to the extent commercially reasonable and practicable under prevailing circumstances. There are, however, an incalculable number of events or circumstances that could result in a significant business disruption and their impact may vary greatly in size, scope, severity, duration, and geographic location. Further, significant business disruptions may result in varying degrees of harm to human life and regional or national infrastructure (power, transportation, communications, etc.) that could affect the firm’s recovery in significant and different ways.

In light of this, Money Concepts Capital Corp, in its sole discretion, reserves the right to flexibly respond to any disruption in a situation-specific and prudent manner. Nothing in this disclosure document is intended to provide a guarantee or warranty regarding the actions or performance of the firm, its computer systems, or its personnel in the event of a significant business disruption.

For more information

If you have questions about our business continuity planning, you can contact us in writing at:

Money Concepts Capital Corp
11440 North Jog Road
Palm Beach Gardens, FL 33418
561-472-2000 - info@moneyconcepts.com

SEC Rule 606 - Disclosure of Order Routing Practices

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