Business Continuity Statement for Clients

At Financial Product Resources, Inc. (FPR) we recognize that the unexpected can happen, such as hurricanes, blizzards and other natural and man-made disasters that could interfere with our normal business activities. FPR has established a contingency plan in the event that our business is disrupted.

Our plan is designed to account for business disruptions of varying lengths and scope. Important features of our plan include annual reviews of:

• Identification of our mission critical systems and system back-up & recovery
• A review of financial and operational risks
• Alternate communications between FPR and our clients
• Systems and telecommunications accessibility
• Alternate physical site preparedness

In the event that FPR experiences a significant business disruption, we will attempt to contact you by phone or e-mail as well as a posting on our affiliated firm website (www.toinvest.com). A site outage should not impact your ability to access your available funds. If you cannot contact FPR personnel as you usually do at 201-567-9255 or at fkaragosian@toinvest.com, you can 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 2065, Jersey City, NJ 07303-2065; Fax: (201) 413-5368. For additional information in contacting Pershing, you can call (201) 413-3635 for recorded instructions or view more information online at www.pershing.com/customer_support.htm

Our clearing firm, Pershing LLC, backs up most of 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 four hours. Your orders and requests for funds and securities could be delayed during this period.

The severity of the disruption can 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 a business district, city or region, we expect to resume business within 48 hours. In either situation, we plan to continue in business, transfer operations to our clearing firm if necessary, and notify you through our affiliated firm’s website, www.toinvest.com . 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.

Please note that FPR business continuity plan is reviewed as necessary, and at least annually. The plan is subject to change and an updated summary will be posted at www.toinvest.com/bcs . You may also obtain a current written copy of this notice by contacting our office. If you have any questions about our business continuity planning, you can contact us at 201-567-9255 or fkaragosian@toinvest.com.