What Personal Information Do We Collect?
 In order to meet your needs in the course of tax return preparation, tax and financial planning, investment product selection, customer service, new product offerings and the fulfillment of legal and regulatory requirements, we collect various types of personal information about you from the following sources (specific language and examples may not apply to all customers, and the information we collect varies accordingly):

• Information on your application.

• Information that we receive from you when you meet with us in person or over the phone, when you send us information by mail, and on other documents or forms that we use in providing services for you. Such information includes, for instance, your name, social security number, financial status, and when applicable, health history.

• Information about your transactions with us, our affiliates, or others. Such information includes, for instance, products or services purchased, account balances, payment history and claims history.

• Information we receive from you when your browser interacts with us when you visit our website. Such information includes information transmitted on an internet "cookie," such as your password to our site, your preferences on the site, and your internet service provider's address.

• Information we receive from a consumer reporting agency, such as your credit history and outstanding loan balances.

Is Personal Information Shared with Others?
 We do not share any personal information about you with anyone without your express consent, except as permitted by law and described below.

• Information may be shared with our affiliates to enable them to provide customer service or account maintenance. We also share information with our affiliates so we can inform you about products or services that might be beneficial or useful to you.

• Information may be shared with nonaffiliated third parties (as permitted by law) who are assisting us by performing services or functions on our behalf, such as brokerage firms, insurance companies, administrators and service providers. These companies are legally and contractually bound to maintain the privacy of any personal information shared with them. This information is not used for marketing purposes.

• Information may be shared with nonaffiliated parties as permitted or required by law, such as compliance with subpoena, fraud prevention or compliance with an inquiry from a government agency or regulator.

• Personal health information will be shared only with proper written authorization or as required by law. We will not share medical information or motor vehicle reports for marketing purposes.

How Do We Protect the Confidentiality and Security of Your Personal Information?
 Keeping your information confidential and secure is of utmost importance to us. We follow standard industry practices to actively protect the confidentiality, security, and integrity of your personal information. We also maintain physical, electronic, and procedural safeguards to guard your personal information. In so doing, we restrict access to your personal information to those employees who need to know that information to provide products and services to you and to the support service companies and financial institutions mentioned above. In turn, those companies are legally and contractually bound to maintain the privacy of any personal information shared with them. Additionally, our employees are bound by internal confidentiality policies and are subject to disciplinary action for any policy violations.

What If You Become a Former Client?
 Should you become an inactive client or should our relationship end, we will continue to protect the confidentiality and security of your personal information in accordance with this privacy policy.

Your Privacy is Important to Us
 We highly value your trust and confidence in us, and we want to assure you that your personal information is kept completely confidential by us. We do not sell or share client information outside of Jones, Cochenour & Co. and our affiliates. We carefully manage information among our companies to give you better service, to give you more convenience and to offer benefits based on your overall business with us. This policy covers client information. The term client information means personally identifiable information about a client's current or former relationship with Jones, Cochenour & Co. or affiliates. This policy is provided to you as required by the Federal Financial Privacy Law.

     This notice is being provided on behalf of Jones, Cochenour & Co., Certified Public Accountants, and the following affiliates:

Our Pledge to You?
 Our professional ethical obligations and responsibilities have always demanded no less than the highest regard and duties toward the confidentiality of your personal information and the security of your privacy. We will protect your personal information, use it appropriately and accomplish your engagements with us in such a manner so as to always maintain your trust and confidence in us.