Asset Management Strategies, Inc. Disclosures

Disclosures

Multi-Financial Securities Corporation ("Multi-Financial")

Multi-Financial Securities Corporation ("Multi-Financial"), is a FINRA registered securities broker / dealer and a SEC Registered Investment Adviser registered in all 50 states. This web site is published in the United States for residents of the United States. Multi-Financial is a member of the Securities Investor Protection Corporation ("SIPC"). Products and services mentioned in this web site may not be available in all states. To request a prospectus or information, contact your Multi-Financial investment professional. Multi-Financial is not soliciting business in international jurisdictions where it is not registered.

We would be glad to put you in touch with a Multi-Financial office in your area that will be able to assist you directly. If you would like further information, please E-mail your request to: ResourceCenter@multifinancial.com. (NOTE: This e-mail address directs mail to the Multi-Financial Home Office. If you wish to e-mail your Multi-Financial Representative directly, please select the "E-Mail Us" link on the left.) Multi-Financial looks forward to assisting you.

The information and opinions on this site provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. It is given for informational purposes only and is not a solicitation to buy or sell. This information is not intended to be used as the primary basis for investment decisions, nor should it be considered as advice designed to meet the specific needs of an individual investor. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice, or other content. Registered Representatives of Multi-Financial may also be designated to provide advisory services as Investment Adviser Representatives ("IAR"). IARs may receive fees for advisory services which are separate from commissions received in connection with the purchase or sale of securities. Information about Multi-Financial advisory services can be obtained by asking a Multi-Financial representative for a copy of Multi-Financials disclosure brochure or Form ADV Part II.

MULTI-FINANCIAL SECURITIES CORPORATION IS NOT A BANK OR CREDIT UNION, AND THE SECURITIES OFFERED THROUGH MULTI-FINANCIAL ARE NOT FEDERALLY GUARANTEED OR FDIC INSURED, ARE NOT DEPOSITS OR OBLIGATIONS OF, OR GUARANTEED BY A FINANCIAL INSTITUTION, AND INVOLVE RISKS INCLUDING POSSIBLE LOSS OF PRINCIPAL, AND MAY FLUCTUATE IN VALUE.

Linked sites are not under the control of Multi-Financial and Multi-Financial is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. Linked sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions of this web site.

Multi-Financial's Privacy Policy and Other Important Information

OUR PRIVACY POLICY

Your privacy is a top priority for Multi- Financial Securities Corporation and its subsidiaries ("Multi-Financial"). We take our commitment to protecting the confidentiality of your non-public personal information very seriously. Please take a moment to review this Privacy Policy. Feel free to contact us with any questions you might have.

Information About You That We Collect: As part of providing services to you, we collect non-public personal information about you—much of which comes directly from you. The information we collect varies depending on the products or services you request and may include: _ Name, address, social security number, birth date, assets, income, account transaction information and employment information as well as information about your accounts with others, information from our affiliates and others about your transactions, and information from account forms and interviews with you. _ Identification and account information from your employer, benefit plan sponsor or association regarding any group product services we may provide. _ Consumer credit reporting agency information concerning your credit worthiness and credit history. _ Information provided when verifying applications or other forms from your current or past employers and from other institutions where you conduct business.
Information We May Disclose: We have implemented security standards and processes—including physical, electronic and procedural safeguards— designed to protect your information. We restrict access to your non-public personal information to those employees and agents who need to know your information to perform their responsibilities or to provide services to you. We do not sell or disclose your non-public personal information to non-affiliated third-party marketing companies. We may share your non-public information that we collect with our affiliated companies, including our parent company, as permitted by law. Similarly, to help us provide products or services to you, we may share your non-public personal information with non-affiliated third parties (such as mutual fund companies, insurance companies or other product sponsors) and non-financial companies (such as consumer reporting agencies, software developers or consulting firms). We may also disclose your non-public information to other financial institutions (such as banks, credit unions, thrifts and trust companies) with which we have joint marketing agreements. These companies are contractually obligated to keep your information confidential and use the information only for the services required or as allowed by applicable law. We may be required by law or regulation to disclose your non-public personal information to third parties—for example, in response to a subpoena; to prevent fraud; and to comply with the rules of industry regulators or respond to inquiries from them. Other than what is described in this notice, we won't share information about you with third parties to market products to you, unless we tell you about it first and give you a chance to say no.
Other Disclosures We May Make: We recognize that your relationship with your registered representative is important. Should your registered representative decide to move to another broker-dealer, your representative may take your non-public confidential information to a new firm so that he or she can continue to service your account(s) at the new firm if you wish. Similarly, if your account was opened with us because of your relationship with a financial institution, such as a bank, thrift or credit union, and your financial institution decides to enter into a relationship with a new firm to provide investments, we will share your nonpublic personal information with your financial institution so your account can continue to be serviced at your financial institution. If you do not want Multi- Financial to disclose your non-public personal information with either your representative or your financial institution, should either move to another brokerdealer, please contact us at 888.447.8608.
Policy Relating to Former Customers: If you decide to close your accounts with us, or become an inactive customer, our Privacy Policy will continue to apply to you.
Changes to Our Privacy Policy: Multi-Financial maintains a public website at www.multifinancial.com. While this policy is delivered annually in writing, the policy may change from time to time. We will notify you of any changes. You can always review our current policy, and the names of the Multi-Financial companies to which the policy applies, online. * * *

OTHER IMPORTANT INFORMATION

Our public website contains additional information that might be of interest to you, including a brochure about investing, a statement about Multi-Financial's compensation sources and information about our Strategic Partners program. Multi-Financial is a member of the Securities Investor Protection Corporation (SIPC). You can obtain information about SIPC, including a brochure, by contacting SIPC at 202.371.8300 or on their website at www.sipc.org. In addition, the Financial Industry Regulatory Authority (FINRA) makes available information about the registration status and/or disciplinary record of broker-dealers and their registered representatives. The information can be obtained by calling tollfree at 800.289.9999. The FINRA website contains other useful information for investors at www.finra.org. In this notice of our privacy policy, the words "you" and "customer" are used to mean any individual who obtains or has obtained a financial product or service from Multi-Financial that is to be used primarily for personal, family or household purposes.

Following is a list of companies that this notice applies to, as of October 1, 2010:

Cetera Brokers Network LLC
Cetera Financial Group, Inc.
Cetera Insurance Agency, Inc.
MFSC Insurance Services, Inc.
Multi-Financial Group, LLC
Multi-Financial Securities Corporation

Multi-Financial Securities Corporation Registered Representative's Web Site Privacy Policy

Protecting Your Privacy. Multi-Financial Securities Corporation Registered Representatives respect your right to privacy and are committed to protecting it. Whether you are a current customer or just visiting us online, we are dedicated to keeping any confidential financial information you provide us with secure and confidential. A summary of how we use and how we protect your information both online and in general is set forth below. You should be aware that linked sites (either to or from this web site) may contain privacy or confidentiality provisions that differ from the provisions provided herein. Your use of linked sites is governed by the privacy policies and other terms and conditions of those sites.

Privacy Online Our web site is a great way for current and potential customers to find out more about Multi-Financial Securities Corporation's products and services. It also offers users some handy "financial calculator" tools and market information.

Rest assured that when you visit our site we will not try to gather any personally identifiable information from you without you knowing it.

The following summarizes the extent to which we gather and use information obtained through our web site:

Cookies.: A "cookie" is a small piece of information that our web site may provide to your browser while you are visiting. Most browsers are defaulted to accept and maintain cookies. Our sites create a "temporary" cookie which allows you to view some of our disclosure information. When you close your browser, this cookie is automatically deleted from your system.
Statistical Domain and Access Data.: Please note that when you visit our web site, no personally identifiable information about you, such as your email address, will be automatically collected by us. In fact, unless you choose otherwise, the only information we may collect from your visits is some information regarding the domain from which you are connecting to our web site, (i.e., msn.com if you are connecting from Microsoft Network, or aol.com if you are connecting from America Online) and the pages you view while on our site. This information is collected solely for statistical purposes and is not used to identify individuals.
"Contact Us": In some cases, you may actually choose to provide us with your e-mail address or other personal information such as your address or phone number. For example, when you complete our "Contact Us" form, we request certain contact information from you so that we may properly respond to your inquiry. Likewise, if you send us an e-mail for any reason, you are by default providing us with an e-mail address. Your inquiry, whether it is an e-mail or a "Contact Us" form submission, will be addressed by a Multi-Financial Securities Corporation Registered Representative who is licensed in your state. This is necessary to help insure that your specific inquiry is answered in accordance with the laws and regulations of your state of residence. E-mail addresses or other information you voluntarily provide while visiting our web site are used solely for the purpose of responding to your questions and concerns, and will only be shared with others in accordance with applicable laws and regulations, which in some instances may require sharing such correspondence with our legal and compliance departments or with state and/or federal regulators.
Portfolios.: When you visit our site, you may build a portfolio, then monitor and update it using an e-mail address and a password that you have created. We do not have access to the username and password database, which is maintained by a third party host. The database is stored on a secure server to protect information from unauthorized access using carefully developed security procedures and practices. Information is not shared with Multi- Financial Securities Corporation Registered Representatives at any time.
Protecting our children.: We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

Protecting Customer Information In General

Collection, Use and Retention of Customer Information.: In the course of doing business, we collect and use various types of information, including information provided by customers through personal interviews, account applications and other forms, as well as information about your transactions with us and our agents and affiliates. We use this information to service your accounts and to help you determine the types of financial products that are best suited to your financial needs and goals. We may also access information about you when considering a request from you for additional services or when exercising our rights or responsibilities under the law or any agreement with you.
Maintaining the Accuracy of Customer Information.: Keeping your account information accurate and up to date is very important. If you ever find that your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or address listed on your account statement. We will correct any erroneous information as quickly as possible.
Protection of Information via Established Security Procedures.: We value your privacy and maintain physical, electronic and procedural safeguards to protect your nonpublic personal information. Access to such information is restricted to our employees, representatives and agents with a business reason for access to such information. We safeguard information according to established security standards and procedures, and train our employees and representatives to understand and comply with these protections.
Restrictions on the Disclosure of Account Information with Non-Affiliated Third Parties.: Multi-Financial Securities Corporation and Multi-Financial Securities Corporation Registered Representatives will only provide personally identifiable nonpublic customer information to non-affiliated third parties when: 1) required by law, or by rules or regulations that govern Multi-Financial Securities Corporation its affiliates, or the financial institutions that Multi-Financial Securities Corporation has contracted with to provide financial services , 2) required in order to process a transaction with you (such as information provided to our Clearing Brokers or Product Sponsors in order to process a transaction you have requested); or 3) you have been provided with an opportunity to stop us from sharing such information ("opt-out") and you have not exercised such opportunity. Furthermore, whenever we share personally identifiable customer information with non-affiliated third parties, we will insist that the third party agrees to maintain the confidentiality of this information in accordance with all applicable laws.
Sharing information with Multi-Financial Securities Corporation affiliates.: Multi-Financial Securities Corporation has numerous affiliates, including several state chartered insurance agency subsidiaries. Please note that we will continue to share some account information among these companies as permitted by law. We may do so for internal purposes, in order to process a transaction for you, or to provide you with more value or better service.
Disclosure of Privacy Principles to Customers.: We believe that our customers have a right to know how their personal information is collected, maintained and used. To this end, we are committed to providing each of our customers with a summary of our privacy policies each time an account is opened and once a year thereafter. If you ever have any questions regarding these policies, please contact us by selecting the e-mail link in the "Contact Us" section of our site.