About Glencrest Investment Advisors, Inc.

Privacy Policy

At Glencrest Investment Advisors, Inc. and Glencrest Insurance Services (collectively, "Glencrest"), we understand that business is easier when the information you share is held by someone you trust. That's why safeguarding your financial information, while providing you the best service available, is a fundamental part of our business philosophy.

Our commitment to the safety of your confidential information is implemented through the following Privacy Policy. This Policy guides how we deal with your personal information and covers any information we obtain from you or that we otherwise obtain about you in connection with providing a financial product or service to you (unless publicly available). This Policy applies to consumer clients who obtain financial products and services primarily for personal, family or household purposes.

Collecting and Maintaining Your Personal Information Responsibly
We collect personal information about you from the following sources:

• Your applications or other forms we receive from you;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from consumer reporting agencies.

How We Limit What We Disclose
We may disclose all of the information we collect, as described above. However, the parties with whom we share are limited to those as later described.

The Categories of Parties to Whom We Disclose
We may use and share your personal information among the members of our corporate family of financial service providers, such as our affiliated bank, investment advisor and insurance agency. By sharing this way, we can tell you about new or enhanced financial services we may offer.

>We may also disclose personal information about you to nonaffiliated third parties as allowed by law. For example, we are permitted by law to share personal information about you to service your loans or accounts, to honor subpoenas or to respond to other legal requirements. We can also share personal information with others, such as credit bureaus, or with insurance companies on insurance policies you obtain through us.

Joint Marketing Agreements
We may also disclose all the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Former Clients
This Privacy Policy will continue to apply if you become a former client (i.e. your account closes) or if your account becomes inactive.

Making the Confidentiality and Security of Your Personal Information a Priority
We restrict access to personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your personal information.

Notice of Your Opportunity to Opt Out of Information Sharing with Companies in Our Corporate Family

Information We Can Share With Our Corporate Family - Unless You Tell Us Not To

Unless you tell us not to, we may share with companies in our corporate family information about you including:

• Information we obtain from your application; and
• Information we obtain to verify representations made by you.

Shared With Whom
Companies in our corporate family who may receive this information are financial service providers, such as our affiliated bank (PFF Bank & Trust), investment advisor and insurance agency.

How To Tell Us Not To Share This Information With Our Corporate Family
If you prefer that we not share this information with companies in our corporate family, you may opt out and direct us not to share this information by calling us toll-free at 1-888 342-5733.

Once you have requested to opt out, there is no need to renew your request; however, you may rescind your request at any time by sending your written instructions to:

Glencrest
Attn: "Opt Out"
9467 Milliken Avenue
PO Box 2729
Rancho Cucamonga, CA 91730

An opt out by one joint account holder will be treated as an opt out by all joint account holders.

Note: An opt out direction covers certain information about you that we might otherwise share with our corporate family. We may still share other information about you with our corporate family as permitted by law.

Right to Amend
We reserve the right to amend our Privacy Policies at any time. When required, we will provide you with notice of any changes. Glencrest's Privacy Policy is also available on and covers transactions at our Web site: www.gleninvest.com.