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<br />STATEMENT OF COMPLIANCE <br /> <br />. <br /> <br />Financial Concepts complies with all applicable state and federal laws and <br />regulations. Each representative holds Minnesota State Lifejl Iealth Insurance <br />license and abides by the continuing education requirements set forth by the State <br />of Minnesota. <br /> <br />In addition, Financial Concepts is a member ofNFP, a broker.dealer regulated by <br />the National Association of Securities Dealers (NASD). Each securities licensed <br />representative abides by the continuing education and regulatory requirements <br />established by the NASD. <br /> <br />Refer to Attachments for a copy of our Privacy Policy and HIP All. Business <br />Associate Agreement. <br /> <br />. <br /> <br />. <br />