Four fundamental questions, in any investment climate, must be considered:

1. The security and safety of your investments; does a financially strong,     independent custodian hold and report directly to you on your cash and     securities, or does your “advisor” hold and report on your assets?

2. What access do you have to your account information?

3. How experienced and seasoned are your advisors for all market conditions?

4. How will you interact with your advisors/will they know YOU
   and your needs?

JRS Investments answers these questions and asks for your consideration in managing your investments.

Security and Safety
Each account has Securities Industry Protection Corporation (SIPC) insurance up to $500,000, cash claims up to $100,000, and most importantly, supplemental protection. This supplemental protection covers total account net equity in excess of the coverage provided by SIPC.

These coverages do not protect against a decline in the market value of securities.

Transparency
With JRS, you have 24/7 access to your account through your own personal password. Review your account information whenever and wherever you choose. All account transactions and security valuations are clearly shown, and there are no annual maintenance fees charged to your account. We think it is important that your personalized statement is delivered to you monthly from an independent third-party custodian, not from your advisor.

Accountability
The JRS investment team has more than 70 years of investment experience. Our team offers fee-based relationships. The fee is negotiated directly with you, depending on several factors. No commissions are paid to JRS. You receive all securities purchased for your account at our cost; there is no mark-up.

Personal Service
From the initial face-to-face meeting to review your needs, goals, and expectations, JRS Investments treats you as an individual who is deserving of personal attention and respect. We are committed to providing you with personal service, reasoned investment choices and strategies, and secure account information.