security of personal information entrusted to us by former, current and potential clients. We have always treated personal

information as confidential. We exercise the same care dealing with personal information that we use in dealing with our

own confidential information. When you provide personal information to IBN Financial Services, Inc., we believe that

you should be aware of our policies to protect the confidentiality of this information.

We are committed to providing you, our Customer with the finest products backed by consistent top-quality customer

service. While information is fundamental to our ability to do this, we recognize the great importance of keeping your

personal information secure.

Accordingly, these are the principles IBN Financial Services, Inc. has established for the collection and sharing of

consumer information.

Personal information in protected by IBN Financial Services, Inc. in a number of important ways. IBN Financial

Services, Inc. takes substantial precautions in seeking to ensure that our systems are secure and that they meet industry

standards, including the application of firewalls for our Internet-based systems. When appropriate, IBN Financial

Services, Inc. employs the use of encryption technologies, user authentication systems (e.g. passwords and personal

identification numbers) and access control mechanisms. Additionally:

• We collect and use Customer information only to the extent needed to conduct our business and to meet the

highest quality service standards.

• We require any organization that helps us serve our Customers to meet our privacy standards.

• We exchange Customer information with non-affiliated entities only to the extent required or permitted by law,

for administrative purposes of risk management, verification, underwriting, and to detect and prevent fraud.