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<p style="TEXT-ALIGN: center" align="center"><strong><span style="text-decoration: underline;"><span style="FONT-SIZE: 10pt; BACKGROUND: white; FONT-FAMILY: Verdana">Fiduciary Exposure may lead to Fiduciary<em>SUNBURN</em> </span></span></strong></p>
<p><span style="font-size: xx-small;"><span style="FONT-SIZE: 9.5pt; FONT-FAMILY: Verdana; mso-bidi-font-size: 7.5pt">Trustees, all of whom serve voluntarily, of private trusts, ERISA pension, profit sharing and 401k plans, and charities, tax exempt, 501c3 non-profit organizations, including foundations and endowments are investment fiduciaries. Accordingly they bear personal responsibility.</span></span></p>
<p><span style="font-size: xx-small;"><span style="FONT-SIZE: 9.5pt; FONT-FAMILY: Verdana; mso-bidi-font-size: 7.5pt">Securities-licensed stockbrokers, SEC or state registered investment advisers, trust officers, private bankers; insurance agents, other non licensed investment professionals and occasionally CPAs, Business managers and Attorneys unwittingly enter the zone of investment fiduciary liability.</span></span></p>
<p><span style="font-size: xx-small;"><span style="FONT-SIZE: 9.5pt; FONT-FAMILY: Verdana; mso-bidi-font-size: 7.5pt">What matters is the functions performed on behalf of a trust or ERISA pension, profit sharing or 401k plan.<span style="mso-spacerun: yes"> </span>In the ERISA arena liability may arise due to the omissions or actions of other fiduciaries. </span></span></p>
<p><span style="font-size: xx-small;"><span style="FONT-SIZE: 9.5pt; FONT-FAMILY: Verdana; mso-bidi-font-size: 7.5pt">Mr. McConnell as a teenager surfed, in the ocean, on the Jersey shore, often without any sun protection. Sunbathers on the beach used oil and reflectors and "worked" to achieve an even deeper, darker tan; using the term of the day, to achieve what was known then as "the cool look". For fun, the interactive portion of the website is about to take place...raise your hand high if you know someone who did this; raise both hands if you engaged in these unsafe practices! Medical research has proven that the "cool look", unprotected sunbathing of the 60's, 70's and 80's contributed to skin cancer; among the leading </span><span style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana; mso-bidi-font-size: 12.0pt">preventable</span><span style="FONT-SIZE: 9.5pt; FONT-FAMILY: Verdana; mso-bidi-font-size: 7.5pt"> causes of premature death today. Sun protection factor (SPF) is now widely used to protect us. For the trivia buffs, Coppertone began selling SPF products in 1977.</span></span></p>
<p><span style="FONT-SIZE: 9.5pt; FONT-FAMILY: Verdana; mso-bidi-font-size: 7.5pt">In the Fiduciary<em><strong><span style="FONT-FAMILY: Verdana">THEATER</span></strong></em> however, our experience shows that some Trustees, ERISA Plan Sponsors, HOA's Charities, Foundations Endowment trustees are "back in the 60's and 70's"; often unaware, uninformed or incompletely informed, making or failing to make prudent decisions. Without policies, procedures and documentation trustees are exposed to Fiduciary<strong><em>SUNBURN</em></strong>!</span></p>
<p><span style="FONT-SIZE: 9.5pt; FONT-FAMILY: Verdana; mso-bidi-font-size: 7.5pt">In the wake of the so called Wall St financial crisis, Bernard Madoff, S</span><span style="font-family: Verdana; font-size: 13px;">tanford ponzi schemes, pension and 401k shortfalls, state and local public pension funding shortfalls, disputes in family trusts and non-profit governance miscues ERISA participants, beneficiaries and the public seek to hold trustees and co-fiduciaries in the securities and financial services industry more and personally accountable.</span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: center" align="center"><strong><span style="font-size: x-small;"><em>FPF - 22</em></span></strong></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: center" align="center"><strong><span style="font-size: x-small;">(Fiduciary Protection Factor 22)</span></strong></p>
<p style="TEXT-ALIGN: center" align="center"><em><strong><span style="FONT-SIZE: 7.5pt; FONT-FAMILY: Verdana">A unique "prescription" for fiduciaries</span></strong></em></p>
<p style="TEXT-ALIGN: center" align="left"><strong><span style="FONT-WEIGHT: normal; FONT-SIZE: 9pt; FONT-FAMILY: Verdana; mso-bidi-font-weight: bold; mso-bidi-font-family: Arial"><span style="FONT-SIZE: 8pt; mso-bidi-font-size: 10.0pt">Contact us at <a href="mailto:litigation@fiduciaryexpert.com">info@fiduciaryexpert.com</a></span></span></strong></p>
<p style="TEXT-ALIGN: center" align="center"><strong><span style="FONT-WEIGHT: normal; FONT-SIZE: 9pt; FONT-FAMILY: Verdana; mso-bidi-font-weight: bold; mso-bidi-font-family: Arial"><span style="FONT-SIZE: 8pt; mso-bidi-font-size: 10.0pt">Copyright Chris McConnell & Associates 2003 - 2011. All rights reserved</span></span></strong><strong></strong></p>
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