M3 Investment Services will not disclose any non-public personal information about you to anyone, except as required or permitted by law. In the event that you close your account or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

M3 Investment Services does not sell your personal information to anyone. We may, however, disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or other financial institutions with whom we have joint marketing agreements. These third parties will be required to maintain the confidentiality of the information to the same extent detailed in our privacy policy. Use of the information will be for the sole purpose of marketing M3 Investment Services products and services.

M3 Investment Services recognizes the importance of protecting your personal and financial information. As a result, we restrict access to your personal and financial data to employees authorized to service your account. These personnel, as with all employees of M3 Investment Services, are subject to strict employment policies regarding confidentiality. We employ physical and electronic safeguards to protect your non-public personal information.

M3 Investment Services reserves the right to change, modify, add or remove portions of this privacy policy at any time. Written notice of any variation in our privacy policy will be sent to the address on record for all existing customers before any changes are implemented.

Internet Privacy Protection Policy
Effective Date: August 1, 2004

We are committed to protecting your privacy. Our website is a great way to find out more about our services, access informative articles and financial information. We will not collect any personal, identifiable information without your knowledge.

Identifiable information can be broken up into two categories, personal and non-personal information.

Non-personal information
Our site may create a temporary data file commonly known as a cookie. It may also track the areas of our website that you visit. We may collect information regarding the internet provider from which you are connecting to our site, such as AOL or MSN. We may also track the website from which you linked to our site. This information is used statistically and not to identify individuals.

Personal Information
You can visit the site and remain anonymous by not providing any personal information. However, you may choose to share this information by completing applications, online forms or requesting that we contact you. Personal information includes, but is not limited to name, address, phone number and email address.

When using secure areas of this website to provide or access your personal information, the information is encrypted, making it indecipherable to third parties. Your browser will indicate that you are in a secure area by displaying a locked padlock in the bottom of the screen. Internet connections cannot be guaranteed to be 100% secure. We have taken all reasonable measures to protect the information entered and accessed on the website. However, we cannot be liable for unintentional disclosure of information.

Sharing information
Your personal information will not be sold, or shared with unaffiliated third parties unless there is a need to disclose information to process a transaction or when the law requires it. Information collected will be emailed directly to us and will be used to provide you with more value, better service or initiate a transaction for you. Other sites linked to this site are not covered under this privacy agreement.

Changes to this policy
Future changes may be made to our online privacy protection policy. Those changes will be addressed on this website, which reflects the current privacy policy.