PRIVACY NOTICE

10/01/04

Dear Client: Regulation S-P, adopted by the Securities and Exchange Commission, requires that all broker-dealers, investment companies and investment advisors registered with the Commission, provide their consumer customers with written notice of their policies and procedures for disclosure of their customers’ nonpublic personal information. To conduct regular business, we may collect nonpublic personal information from sources such as: • Information reported by you on applications or other forms you provide to us • Information about your transactions with us, our affiliates, or others We may share nonpublic information solely to service our client accounts, however, we do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. Information Safeguarding We will internally safeguard your nonpublic personal information by restricting access to only those employees who provide products or services to you or those who need access to your information to service your account. In addition, we will maintain physical, electronic, and procedural safeguards that meet federal and/or state standards to guard your nonpublic personal information. If you have any questions about these policies or our use, maintenance and disclosure of your nonpublic personal information, please contact your ePLANNING representative. Sincerely, ePLANNING Securities, Inc. ePLANNING Advisors, Inc.