Disclosures

Apple and Associates is a Registered Investment Advisor registered with the state of California.

Daniel B. Apple (CA Ins. Lic. No. 0675786) is an advisory representative with Apple and Associates, and an independently licensed insurance agent.

Daniel B. Apple is licensed to transact:

Insurance in: CA

Advisory services through Apple and Associates in: CA

Dean Barda (CA Ins. Lic. No. 0M03062) is an advisory representative with Apple and Associates, and an independently licensed insurance agent.

Dean Barda is licensed to transact:

Insurance in: CA, NV

Advisory services through Apple and Associates in: CA

These web pages should not be construed as an offer to recommend or sell securities, insurance or advisory services in any state in which the above individual is not licensed and/or registered to do so.

How We Obtain Information:

In connection with providing investment products, financial advice, or other services, we obtain nonpublic personal information about you, including:

• Information we receive from you on the new account form and account applications;
• Information about your transactions with us or others, including your financial advisor; and
  
• Information received from service bureaus or other third parties;
  

Information We Disclose:

We will not disclose information regarding you or your account with us except under the following circumstances:

• To your registered representative;
• To establish or maintain an account with an unaffiliated third party; such as a clearing broker providing services to you;
  
• To governmental entities or other third parties in response to subpoenas or other legal processes as required by law;
  

Security of the Information:

Only those individuals who need it to perform their jobs are authorized to have access to confidential client information. We maintain physical, electronic and procedural security measures that comply with applicable state and federal regulations to safeguard confidential client information.

Closed or Inactive Information:

If you decide to close your account(s) or become an inactive customer we will adhere to the privacy policies and practices as described in this notice.

Changes to this Privacy Policy:

Our policy about obtaining and disclosing information may change from time to time. We will provide you with notice of any material change to this policy before we implement this change.