When you invest, you have the right to:

1. Ask for and receive information from a firm about the work history and background of the person handling your account, as well as information about the firm.
2. Receive complete information about the risks, obligations and costs of any investment before investing.
3. Receive recommendations consistent with your financial needs and investment objectives.
4. Receive a copy of all completed account forms and agreements.
5. Receive account statements that are accurate and understandable.
6. Understand the terms and conditions of transactions you make.
7. Access your funds in a timely manner and receive information about any restrictions or limitations on access.
8. Discuss account problems with the branch manager or a member of the firm's compliance department and receive prompt attention to and fair consideration of your concerns
9. Receive complete information about commissions, sales charges, maintenance or service charges, transaction or redemption fees and penalties.
10. Contact the Montana Securities Department at 1-800-332-6148 to verify the employment and disciplinary history of a securities salesperson and the salesperson's firm; find out if the investment is permitted to be sold; or file a complaint.