Client Bill of Rights

What You Can Expect as a Client of Richard Dickinson

• As a client you are entitled to courteous service from myself, my team and all associates of our firm.

• As a client you have the right to work with a trustworthy, independent professional financial advisor who is competent in financial planning matters and investing, someone who will be available to answer questions and encourage you to participate in regular portfolio reviews and communicate with you on a regular basis. As a client you have the right to ask for and to receive information from our firm about my work history and background, and to contact your state or provincial securities agency (and in Canada the regulatory agencies) to verify the employment and disciplinary history of the firm and myself.

• All financial planning and investment recommendations should be based upon your particular needs and objectives. As your financial advisor, I am responsible for assisting you in the diversification of your investments through allocations among asset classes and individual securities. Should you initiate an investment decision without the benefit of or against my advice, the order ticket and trade confirmation will be marked “unsolicited,” reflecting that the decision is your sole responsibility. For accounts managed by a third-party professional money manager, the order ticket and confirmation will reflect that the decision is the responsibility of the money manager, not the financial advisor.

• As a client, you have the right to expect that recommendations will be made consistent with the objective of enhancing your well-being. While the performance of individual investments can fail to achieve reasonable expectations and markets can underperform their historical averages, you have the right to receive recommendations based upon the goal of attaining superior performance in light of the facts and circumstances known at the time of investment selection. Unfortunately, performance cannot be guaranteed because I do not possess a crystal ball.

• Reasonable investment alternatives suitable for your individual objectives should be presented with full disclosure of both risks and costs as well as benefits.

• As a client, you have the right to know all costs and commissions associated with an investment, as well as fees the firm charges for its services. An exception is that the commissions and trading profits are included in the purchase price of a security traded in a principal capacity.

• As your financial advisor, I will project reasonable, achievable results to prevent the formation of unreasonable expectations on your part, BUT remember that many unforeseen factors can frustrate expectations and result in losses, particularly in the short term.

• All your transactions should be executed in a timely fashion, at the best available price, with prompt reports to you.

• Information should be communicated in plain language.

• Your account statements should reflect all positions held and cash receipts and disbursements made by me. With the exception of infrequently traded securities, all positions should be priced as accurately as possible. Fixed income securities prices are often estimated utilizing general formulas.

• Errors should be corrected and complaints addressed promptly. For trade errors, a corrected trade confirmation should be issued promptly and the subsequent correction reflected in your next account statement.

• If a problem is not resolved to your satisfaction, you have the right to contact the branch manager and/or Raymond James’ corporate office.

• Information about your financial situation will be kept confidential. Raymond James has the highest regard for your privacy. We believe in your right to the privacy of your personal information. We do not sell personal information to anyone. When a client provides his or her financial advisor and/or Raymond James with personal information, such as name, e-mail address or telephone number, Raymond James does not provide this information to any external organization unless we are required to by regulation, except as necessary to process a client’s orders or provide the services requested, or by operation of law. Unless you request otherwise, all subsidiaries of Raymond James may share client information to provide informed service.