PRIVACY STATEMENT Hold Brothers On-Line Investment Services LLC ("Hold Brothers") We at Hold Brothers are sensitive to the necessity of protecting your personal and financial information. As a member of the NASD, we are required to collect personal information relating to you, your account(s) and your investment characteristics. This information is known as "non-public personal information." We collect this information from various sources, primarily applications and forms completed by you for us, and from third party providers. We use this information to provide you and your account with the highest level of professional service. Hold Brothers understands the concerns about the use and protection of this personal and account information. We at Hold Brothers are committed to maintaining the highest levels of safety and security for information you provide, either online or otherwise. Toward this goal, please note: A- We are dedicated to protecting your personal and account information. B- We will use this information to service your account(s)and provide information about services or products you have requested. C- We will not sell or distribute your information to any unaffiliated third parties; however, we may share certain information you provide in the same way as information is routinely shared in the conduct of a standard brokerage account; for example, (i) we may provide information in concert with regulatory requirements of certain agencies, such as the Internal Revenue Service, the NASD and other organizations to which we are responsible, or with which we are, or may become, affiliated; (ii) we may also provide information to other institutions, who may, or may not be affiliated or under common control with us, if such information is required to service your account (for example, we provide information to our clearing firm to allow them to appropriately service your account. You will receive a separate privacy notice from that firm.) D- We will continue to observe these privacy guidelines for your information even if you are no longer a client of Hold Brothers. E- We provide you with this notice when you open your account and we will provide annual notification thereafter. F- Should we determine to change any of our policies concerning privacy, we will provide advanced notice and give you the opportunity to "opt out" of such disclosures. As you know, you may only access your account by entering your unique User Name and Password. YOU SHOULD MAINTAIN YOUR PASSWORD IN A SECURE PLACE, AND NEVER SHARE IT WITH ANYONE. Copyright ©2001 Hold Brothers On-Line Investment Services LLC All rights reserved. Member NASD-SIPC.

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