BUSSINESS CONTINUITY PLAN

If a significant business disruption occurs, your representative, George Cheatham, will implement various strategies to quickly recover and resume business operations.  We have taken safeguards to protect your data through back-ups and recovery, to protect your confidential information and to provide for an alternate physical location for operations.

If you are unable to reach us due to a significant business disruption, please contact our broker-dealer, Next Financial Group, Inc., at 713-789-7122, option 0 or visit NEXT’s emergency information webpage at http://emergency.nextfinancial.com.  You can also contact our branch office located at 203 Burkesville St., Madison Square Bld., Columbia, KY 42728.

If you are unable to reach us, NEXT, or our branch office and require immediate assistance with your account(s), you may contact the Mutual-fund Company or variable insurance company directly for assistance.  Please refer to your most recent statement(s) for their toll-free number.  If you have a brokerage account you may contact Pershing directly by calling 201-413-3635.

Also, we ask that you please leave a message on our voce-mail system at 270-384-3947 and/or by email at GCheatham@NextFinancial.com or through our website at www.AmericanFinancial.net, as we will be monitoring our messages regularly as the emergency allows.

American Financial and George Cheatham are committed to efficiently and effectively servicing your investment needs and wish to provide assurance that you are our first priority.