CUSTOMER IDENTIFICATION PROGRAM DISCLOSURE ("CIP")

To help the United States Government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What types of information will I need to provide?

Citizens of the United States of America must provide specific pieces of identification before an account is opened. These include:

*The address required to open an account for an individual is typically a residential or business street address. For an individual who does not have a residential or business street address, an Army Post Office (APO) or Fleet Post Office (FPO) box number, the residential or business street address of a next of kin or another contact individual can be used. An address for a person other than an individual (such as a corporation, partnership, or trust) must be its principal place of business, local office or other physical location.

Resident Aliens must provide a current, non-expired copy of their Green Card along with a valid passport.

Non-U.S. Customers RWI currently does not open accounts for Foreign or Offshore Entities. (SOP Section 4.05)

A corporation, partnership, trust or other legal entity will need to provide other information, such as its principal place of business, local office, employer identification number, certified articles of incorporation, government-issued business license, a partnership agreement, or a trust agreement.

U.S. Department of the Treasury, Securities and Exchange Commission and FINRA rules already require you to provide most of this information. These rules also require you to provide additional information, such as your net worth, annual income, occupation, employment information, investment experience and objectives, and risk tolerance.

What happens if I do not provide the information requested or my identity cannot be verified?

Our firm may not be able to open an account or carry out transactions for you. If our firm has already opened an account for you, we may have to close it.

We thank you for your patience and support in the financial industry's efforts to deny terrorists and money launderers access to America's financial system.