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H&R Block Financial Advisors, Inc. has become Ameriprise Advisor Services, Inc., an Ameriprise Financial company and is no longer affiliated with H&R Block, Inc. or any of its affiliates. Investments and financial advisory services are offered through Ameriprise Advisor Services, Inc., Member NYSE/FINRA/SIPC. Annuities and Life Insurance products are provided by various Insurance Companies and are offered through Ameriprise Advisor Services, Inc. Insurance services offered in Massachusetts through Ameriprise Insurance Agency of Massachusetts, Inc.
Securities and Insurance products are:Trade executions, system availability and access to account services may be limited or unavailable due to market conditions, system performances or for other reasons. If this should occur, please contact your financial advisor or our Investor Center at 1-866-295-7912.
All transactions are final. The information disclosed to you by Ameriprise Advisor Services, Inc. and confirms and statements are deemed acknowledged by you and correct unless Ameriprise Advisor Services, Inc. is notified in writing within 10 days of receipt. You may use this Service to receive additional copies of such information.
Business Continuity
Ameriprise Advisor Services, Inc. has developed a business continuity plan covering its
critical systems and locations in the event a disaster or system failure. Additionally,
Ameriprise Advisor Services, Inc. has received the business continuity plans from our
critical service providers. The goal is to provide prompt recovery in the event of a
disaster or systems failure.
Our business continuity plan provides for continued service in the event a branch office is unable to conduct business. In the event of a branch outage, you may contact 1-866-295-7912 to assist you with your questions and to continue full investment services. Our critical computer hardware is redundant which allows for uninterrupted customer service in the event one machine was to fail. Ameriprise Advisor Services, Inc. has taken precautions, which allow us to continue to run our computer systems in the event of a disruption of power. Ameriprise Advisor Services, Inc. has an offsite location that we anticipate will be functional in 24 hours in the event of a disaster at our corporate headquarters. Daily tape backups of our back office systems occur nightly and are sent to an offsite location. We have contracted with an outside vendor to provide us with system recovery in the event of a disaster at Ameriprise Advisor Services, Inc. corporate headquarters. In the event Ameriprise Advisor Services, Inc. has a system failure with its trading systems, we have the capability to route orders to other firms to execute your orders.
Ameriprise Advisor Services, Inc. regularly reviews and tests its business continuity plans. These plans are subject to change. In the event of a change in our business continuity plans, we will promptly update the information on our website at www.hrblock.com/investments. You may also request the current business continuity plan disclosure by writing:
Ameriprise Advisor Services, Inc.
Investor Center
4400 Blue Parkway
Kansas City, MO 64130
Customer Limit Order Disclosure
Ameriprise Advisor Services, Inc. reserves the right to decline to accept and may reject any limit orders in your account. Ameriprise Advisor Services, Inc. reserves the right to negotiate terms and conditions on limit orders for institutional accounts and institution-sized limit orders. An institution-sized limit order is defined as a customer limit order for 10,000 shares or more, which totals $100,000 or more.
Ameriprise Advisor Services, Inc.-FDIC Insured Deposits
If you select to have your free credit balances invested in the Ameriprise Advisor Services, Inc.-FDIC Insured Deposits
Account, your money will be automatically invested into an interest bearing FDIC-insured account. Each deposit is
solely the obligation of the depositor’s bank. Ameriprise Advisor Services, Inc. and Promontory Interfinancial
Network, LLC ("PIN") act only as agents for you, the depositor. The maximum compensation which will be received by
AASI, less interest to you and less fees paid to PIN, will not exceed 4%. Each bank will compensate AASI for the
placement of funds based on the average daily deposit balance at each bank. This amount is deducted prior to posting
of interest to your Ameriprise Advisor Services, Inc. account. The rate of interest you receive will fluctuate daily
and is determined by Ameriprise Advisor Services, Inc. based on current market conditions. For current rate
information, please visit our web site at
www.hrblock.com/investments or call
1-866-295-7912.
Handling of Call Notices
All securities held by Ameriprise Advisor Services, Inc. for you are not registered in your name and are commingled with identical securities being held for other customers. In the
event any securities so held are "called" by the issuer, we will determine the beneficial
ownership thereof by lottery.
Investment Companies/Insurance Products
In addition to loads and 12b-1 fees, as disclosed in the prospectus, Ameriprise Advisor Services, Inc. receives compensation from mutual fund companies and insurance providers
("providers") which is used toward the training of our financial advisors, customer
seminars and for participation in various Ameriprise Advisor Services, Inc. educational
conferences. The amount of compensation paid to a financial advisor on a product offered
by any of the providers is available upon written request.
Margin Customers
In return for your extension or maintenance of credit, you acknowledge that the securities in your margin account, together with all attendant rights of ownership, may be lent to you or lent out to others. In connection with such loans, Ameriprise Advisor Services, Inc. may receive and retain certain benefits to which you will not be entitled. Securities purchased on margin are Ameriprise Advisor Services, Inc.’s collateral for the loan to you. Ameriprise Advisor Services, Inc. is supporting your loan, and, as a result, can take action, such as issue a margin call and/or sell securities or other assets in any of your accounts held at Ameriprise Advisor Services, Inc. in order to maintain the required equity in the account. It is important that you fully understand the risks involved in trading securities on margin. These risks include the following:
Margin Requirements
Margin Requirements may vary for stocks including those Ameriprise Advisor Services, Inc. deems to be volatile. Maintenance levels may range as high as 100% for certain securities. Please consult the
maintenance
chart for specific margin requirements.
Mutual Fund Investing
Be sure to read a fund's prospectus before investing. Mutual funds involve risk. Generally, the higher your targeted return the greater the risk. In addition, the past performance of a fund is no indication of future results. Investment return and principal value will fluctuate and when redeemed, shares may be worth more or less than their original cost.
Investors should carefully consider information contained in the prospectus, including investment objectives, risks, charges and expenses. Please read the prospectus carefully before investing. For this and other information, call or write to Ameriprise Advisor Services, Inc. for a free prospectus, or view online.
Performance quoted is past performance and is no guarantee of future results. Current performance may be lower or higher. Investment value will fluctuate, and shares, when redeemed, may be worth more or less than original cost.
Ameriprise Advisor Services, Inc. receives remuneration from those no-load funds for which it does not charge a transaction fee.
Option Customers
100 % of Ameriprise Advisor Services, Inc. option orders are Non-Directed.
Material Aspects of Relationships with Firms Who Execute Client Orders
Ameriprise Advisor Services, Inc. may receive payment for option trades routed through Interactive Brokerage, LLC for execution. Ameriprise Advisor Services, Inc. may receive up to 0.60 cents per contract from Interactive Brokerage, LLC., including trades which Interactive Brokerage, LLC. routes to other dealers for execution.
Payment for Order Flow Disclosures
Ameriprise Advisor Services, Inc. receives monetary remuneration for directing client orders to particular broker/dealers or market centers for execution. When such monetary and other benefits are received, they are considered compensation to Ameriprise Advisor Services, Inc. The source and amount of monetary compensation, if any, received in connection with your transaction will be disclosed upon written request. You acknowledge that all such compensation, whether in the form of payment for order flow, rebated costs, or any other form of compensation related to a client trades, is considered by Ameriprise Advisor Services, Inc. in determining commission rates and other client charges, and that the client therefore receives a benefit from all such payments through low commission rates and fees.
Proxy Disclosure
Ameriprise Advisor Services, Inc. has contracted with ADP Communications Services, Inc.
("ADP") to provide proxy services to you. You acknowledge and agree that if you do not vote
your shares within the time frame described in any proxy, ADP may vote your shares in favor
of all the recommendations of the management of the company.
Trade and Quotation Information
Fees and costs are estimates only. Quotation information is not an offer to buy or sell any security and the information contained therein may become dated. Real-time quote information has been obtained from sources believed to be reliable, but Ameriprise Advisor Services, Inc. makes no representation as to its accuracy or completeness and it should not be considered a guaranteed available price.
The market value of priced securities amount represents the estimated net total market value of the securities listed in your portfolio summary and for which the various quotation services were able to obtain appraisals on the date of the market close indicated above. Securities that are not actively traded may have no value or a stale price listed on this statement. Fixed income investments are typically traded in a negotiated market, so the value listed may not be representative of the actual value. Contact your advisor or the customer service center for a quote. Due to the nature of the data provided by the quotation service, Ameriprise Advisor Services, Inc. cannot guarantee the accuracy of these prices.
Account data is provided for your information only and is not intended for trading purposes or as a guarantee of particular account equity for a future transaction. Keep in mind that account balances and other account information may not reflect your most recent account activity (e.g., open orders). Your actual buying power is subject, at the time of trade execution, to any costs and applicable brokerage fees and for commissions.
For those advisors who have acquired the Certified Financial Planner certification, the following applies:
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED
FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals
who successfully complete CFP Board's initial and ongoing certification requirements.
Other Links:
Statement of Financial Condition
Account Protection
Order Routing Statistics
FDIC Insured Deposit Sweep Rates
Ameriprise Insured Money Market Account (AIMMA) Terms and Conditions
Additional Disclosures for Research