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Lowes Wealth Management Online Privacy Statement

Keeping your personal information secure and ensuring your understanding of how we use that information is important to us at Lowes Wealth Management (LWM). Our goal is to help you understand how the personal information you choose to share with us through the LWM web site is collected, used and maintained. You may review this LWM Online Privacy Statement ("privacy statement") at any time by clicking on the Privacy link appearing on the bottom of one or more pages of this web site.

Guests and Registered Users

You can visit this site to read about our company, our products and our services, all without giving us any personal information about yourself.

Cookies: In addition to any online information that you voluntarily provide to us, we may use cookies and retain cookie information separately or with the information you provide to us online. A cookie is a small piece of data assigned to the browser on your computer when you visit a website. We may use cookies for various purposes such as maintaining continuity during a session, gathering data about the use of our site, storing preferences or recognizing return users. We may use cookies or other tracking technology to monitor our online promotions. Your web browser may alert you or permit you to refuse, disable or delete cookies. If you refuse cookies, you may not be able to use certain features or services on the site.

Use of Collected Information

We do not sell or market your personal information or personalized data to unaffiliated organizations. The personal information you provide and the personalized data you create and save on the site is used to provide superior service to you and to inform you of products, services, or other opportunities that may be available through our firm or our affiliates. This may include disclosure of such information to employees, representatives, officers, agents, affiliates, government and regulatory entities, third parties, and service providers. Such information and data will also be used to administer our business, the site, and our services in a manner consistent with this privacy statement, the Terms and Conditions that govern your use of this site and all applicable laws, rules, regulations, or other legal obligations. If you provide us with your name, address, telephone number or e-mail address, or have done so in the past, LWM or its affiliates may contact you by telephone, mail or e-mail. E-mail or other electronic communications sent to us through the site will be maintained in a manner consistent with our legal and regulatory requirements regarding client and public communications.

Aggregate Information

If you anonymously visit or browse the site without registering or logging on with a username, password or other registration code, we do not collect your personal information unless you disclose it to us (e.g., e-mail address). We may collect aggregate, technical information that tracks site use including browser type, IP address, domain name, number or type of pages visited and time spent on the site. We may use such information in a variety of ways including analyzing trends, visitor interests, or to improve the site.

Online Advertising

LWM online advertisements may be posted by other companies on third party sites that carry our advertising. These companies may set cookies and use related technology, such as encoded URLs or other tracking mechanisms that may note how Internet users respond to an online advertisement. For example, browsers that click on an online advertisement may be redirected to our site with an encoded URL or other tracking technology that may collect and store information about site visits, time spent, or a specific advertisement. Generally reported as aggregate and anonymous data, such information can help us understand for example the performance of online advertising. Third party sites that show our online advertising are often independent businesses that provide their own privacy statements. We are not responsible for such statements or sites. You should always review the privacy representations of those third party sites that you visit before you use them and particularly before you share personal information.

Other Sites and Services

This site may contain links to other Internet sites not under our direction or control. This privacy statement does not apply to those sites. We are not responsible for such sites, cannot control how such sites use personal information, cookies or other data, and their representations do not apply to this site. You should always review the privacy representations of those sites that you link to before you use them and particularly before you share personal information. If you use other sections of this site that have additional privacy statements, those apply in addition to this statement to the use of that section or service as described.

Access

Clients can review their accounts through the LWM Site. Contact information such as our Internet or mailing addresses and telephone numbers are found on the website or on correspondence.

Security

We maintain your personal information and data according to strict standards of security and confidentiality as described in the Terms and Conditions that govern your use of this site. Online access to your account portfolio is only possible through a secure (SSL capable) web browser. SSL capable web browsers support encryption technology, which helps prevent unauthorized users from viewing your account information as it travels over the Internet.

Changes

Lowes Wealth may change this privacy statement at any time. Any changes or updates will be effective immediately upon posting to this site. The effective date of this privacy statement, as stated below, indicates the last time this statement was materially changed. Checking the effective date below allows you to determine whether there have been such changes since the last time you reviewed the statement. This privacy statement does not supersede the Terms and Conditions that govern your use of this site. Any conflict between the two shall be determined in favor of such Terms and Conditions.

Effective Date

This online privacy statement was last modified: February 16, 2006.