CUSTOMER PRIVACY NOTICE You are receiving this Customer Privacy Notice because our records indicate that you are a customer of Securities America. Your servicing representative is an independent consultant associated with Securities America. FACTS WHAT DOES SECURITIES AMERICA DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing of your personal information. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully in order to better understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security Number, Date of Birth, and Income • Assets and Investment Experience • Account Transactions and Retirement Assets • Tax Reporting and Investment Performance Information When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers’ personal information to run their everyday business. In the next section, we list the reasons financial companies can share their customers’ personal information, the reasons Securities America chooses to share, and whether you can limit this sharing. The most current version of the Securities America Customer Privacy Notice is available online at www.securitiesamerica.com. Reasons we can share your personal information Does Securities America share? Can you limit this sharing? For our everyday business purposes To administer, manage and service customer accounts, process transactions and provide related services for your accounts, it is necessary for us to provide access to personal information with companies affiliated with Securities America and to certain nonaffiliated companies. We may share your personal information: to process your transactions, maintain your account, respond to court orders and legal investigations, or report to credit bureaus or government entities with parent and Affiliate companies of Securities America, Inc. including but not limited to: • Securities America Advisors, Inc. • Securities America Financial Corporation • Arbor Point Advisors, LLC • Ladenburg Thalmann Financial Services Inc. and its affiliated companies. with nonaffiliated entities that perform services for us or function on our behalf (such as check printing services, clearing brokerdealers, investment companies, and insurance companies) with third-party administrators and vendors for the purposes of providing current and future information on your account (such as transaction history, tax information and performance reporting). Yes No For our marketing purposes To offer our products and services to you Yes No For our Affiliates to market to you Affiliate companies that you do not have an existing relationship with Yes Yes For non-affiliates to market to you No We don’t share For joint marketing with other financial companies Federal and certain state laws give us the right to share your information with banks, credit unions, retirement plans and other financial companies where a formal agreement exists between us and them to provide or market financial products or services to you. However, we will not share your information with these financial companies for marketing purposes if your financial advisor is not affiliated with them without your consent, but we may share information with these financial companies where necessary to service your accounts. Yes No For customers of financial institutions and Securities America If you are a customer of a bank, credit union, or other financial institution program with which we have a networking agreement (such as under a bank or credit union investment services program) and the financial institution terminates its relationship with us, we will permit the financial institution to retain copies of your personal information so your account can continue to be serviced at the financial institution. If you do not want the financial institution to disclose your personal information to another brokerage or investment advisory firm (“New Firm”), you may request that we and/or your financial institution limit the information that is shared with the New Firm. Yes Yes For clients of independent registered representatives and Securities America If your financial advisor terminates his or her relationship with us and moves to a New Firm, we or your financial advisor may disclose your personal information to the New Firm, unless you instruct us not to. If you do not want us or your financial advisor to disclose your personal information to the New Firm when your financial advisor terminates his or her relationship with us, you may request that we and your financial advisor limit the information that is shared with the New Firm. Your personal information may also be shared with certain entities that are owned, controlled by or affiliated with your financial advisor, such as an independent insurance agency, accounting firm or independent investment advisory firm. In the event your financial advisor (or his/her estate) agrees with an unaffiliated financial advisor to sell all or some portion of his/her securities, advisory or insurance business, your personal information may be shared with the acquiring financial advisor and his/her New Firm. If your primary address is in a state that requires your affirmative consent to share your personal information with the New Firm (such as California, Massachusetts, Maine, New Mexico, North Dakota, or Vermont), then you must give your written consent before we will allow your financial advisor to take any of your personal information to that New Firm. Yes Yes Who we are Who is providing this notice? Securities America, Inc. and its Affiliates (collectively Securities America). Our Affiliates covered under this privacy notice include the following entities: • Securities America Advisors, Inc. • Securities America Financial Corporation • Arbor Point Advisors, LLC • Ladenburg Thalmann Financial Services Inc. and its affiliated companies. Other important information Use and disclosure of health information To the extent you provide health information to Securities America for the purpose of applying for insurance products, such information will not be disclosed to nonaffiliated companies for any purpose, except: to underwrite or administer your insurance policy or related claims as required by law as authorized by you To limit our sharing You may limit the sharing of your personal information (“Opt-Out”) by calling 1-800-747-6111. Please note: When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. In the event you decide to Opt-Out, your decision will be recorded as limiting the sharing of personal information for all applicable options. In other words, if you Opt-Out your personal information will not be shared: (i) with your financial advisor’s new broker-dealer in the event he or she leaves Securities America or an Affiliate and joins a New Firm or sells his/her securities, advisory or insurance business to a nonaffiliated company; (ii) with affiliated entities of your financial advisor or any bank or credit union that your financial advisor is affiliated with; and (iii) with Affiliates of Securities America that you do not already have an existing relationship with for the purpose of marketing products or services to you. In addition, Securities America and its Affiliates (where applicable) have signed the Protocol for Broker Recruiting (“Protocol”) which allows the financial advisor servicing your account to take certain limited information in the event he/she leaves Securities America or an Affiliate and joins another firm which has also signed the Protocol. The information your financial advisor can take is limited to your name, your address, your phone number, your email address and the title of your account. If you choose to Opt-Out Securities America or an Affiliate will notify your financial advisor of your decision to keep your personal information confidential and that you do not want your personal information shared by your financial advisor with his/her new firm. Questions? Go to www.securitiesamerica.com What we do How do Securities America and its Affiliates protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with applicable state and federal laws. These measures include computer safeguards and secured files and buildings. We train our employees and financial advisors in the proper handling of personal information. We require companies that help provide our services to you to protect the confidentiality of personal information they receive. How do Securities America and its Affiliates collect my personal information? We collect your personal information, for example, when you: open an investment account or an advisory account apply for insurance seek advice about your investments share information about your investment or retirement portfolio We also collect your personal information from others such as credit bureaus, affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only sharing for Affiliates’ everyday business purposes—information about your creditworthiness Affiliates from using your information to market to you sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. 2015