CODE OF ETHICS WE WANT . . . • CLIENTS, NOT CUSTOMERS! • ETHICAL & HONEST BUSINESS PRACTICES! WE WILL NEVER . . . • use tricks, gimmicks, or pressure. • make erroneous, misleading, or exaggerated claims. • sell on the first interview, unless the appointment was for that specific purpose. WE WILL ALWAYS . . . • treat clients and associates with respect, courtesy, and consideration. • educate clients. • provide prompt service. • sell products to best serve a client's needs, with constant consideration to their goals, objectives, taxes, and temperament. • provide full disclosure and complete information. • treat client information with total confidentiality.                     WE ENDORSE PRODUCTS THAT ARE: A GOOD VALUE - for the consumer's dollar. EASY TO UNDERSTAND - for both the client and associate. APPROPRIATE - to meet the true needs of the consumer .SENSIBLE – (1) investments geared to best serve a client's goals, objectives, taxes, and temperament; (2) insurance that provides the most protection with the least premium; (3) services needed for the genuine financial welfare of our clientele. COMPETITIVE - a better replacement value for and/or a complement to existing investments, insurance, and other services offered. ABLE - to meet underwriting requirements. CAPABLE OF DELIVERING - our promises to the consumer by dealing with financially stable and highly rated companies. SERVICEABLE - being equitable and easy to administer. FAIR AND REASONABLE - compensation for the associate, without gouging the consumer with over-charges, unfair and/or unreasonable fees. To promote quality service and business, we pay our associates on an "as earned, as paid" basis and are only compensated directly by our affiliates for products or services rendered. OWNABLE - products and services an associate would buy for their own family if the need existed   #1 Executive Park, P. O. Box 907, Granite City, IL 62040-0907 (618)931-3267 or (314)355-TERM Toll Free: (888)GO NICOL Fax: (618)797-3239 www.nicolinvestors.com     Associates of Nicol Financial Services are: registered representatives of and offer securities through: Nicol Investors Corporation (NIC), Member FINRA and SIPC; and/or Investment Advisor Representatives of Nicol Advisors Corporation (NAC); and/or Insurance Producers of Kevin G. Nicol & Associates, Inc. Kevin G. Nicol & Associates, Inc.; NIC; and NAC are subsidiaries of Nicol Enterprises, Inc. (NEI)NEI, Nicol Financial Services, and Nicol Properties are all separate business entities.  Nicol Investors Corporation is licensed in AR, CA, CO, CT, FL, IL, IN , KS, KY, MI, MO, NE, OH, OK ,TN &TX.