IMPORTANT CONSUMER DISCLOSURE

Garnet Group LLC (“Garnet Group”) is an SEC registered investment adviser in the State of Maryland. Garnet Group and its representatives are in compliance with the current notice filing requirements imposed upon SEC registered investment advisers by those states in which Garnet Group maintains clients. Garnet Group may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements.

Garnet Group’s web site is limited to the dissemination of general information regarding its investment advisory services to United States residents residing in states where providing such information is not prohibited by applicable law. Accordingly, the publication of Garnet Group’s web site on the Internet should not be construed by any consumer and/or prospective client as Garnet Group’s solicitation to effect or attempt to effect transactions in securities or the rendering of personalized investment advice for compensation over the Internet.

Furthermore, the information resulting from the use of tools or other information on this Internet site should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Garnet Group. Any subsequent, direct communication by Garnet Group with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Garnet Group, please contact the United States Securities and Exchange Commission on their web site at www.adviserinfo.sec.gov.

A copy of Garnet Group current written disclosure statement discussing Garnet Group business operations, services, and fees is available by clicking the link provided below. Garnet Group does not make any representations as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Garnet’s web site or incorporated herein and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

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PRIVACY NOTICE REGARDING CLIENT PRIVACY

Maintaining the trust and confidence of our clients is a high priority. That is why we want you to understand how we protect your privacy when we collect and use information about you, and the steps that we take to safeguard that information. This notice is provided to you on behalf of Garnet Group, LLC

Information We Collect:
In connection with providing investment products, financial advice, or other services, we obtain non-public personal information about you, including:

• Information we receive from you on account applications, such as your address, date of birth, Social Security Number, occupation, financial goals, assets and income;
• Information about your transactions with us, our affiliates, or others; and
• Information received from credit or service bureaus or other third parties, such as your credit history or employment status.

Categories of Information We Disclose:
We may not disclose all information that we collect. Garnet Group, LLC and its affiliates do not sell customer lists and will not sell your name to telemarketers.

Categories of Parties to Whom We Disclose:
We will not disclose information regarding you or your account with us, except under the following circumstances:

• To your authorized Registered Representative and his or her manager;
• To our parent companies or their affiliates, to the extent permitted by law;
• To entities that perform services for us or function on our behalf, including financial service providers, such as a clearing broker-dealer, investment company, or insurance agent/company;
• To consumer reporting agencies,
• To third parties who perform services or marketing on our behalf;
• To your attorney, trustee or anyone else who represents you in a fiduciary capacity;
• To our attorneys, accountants or auditors; and
• To government entities or other third parties in response to subpoenas or other legal process as required by law or to comply with regulatory inquiries.

How We Use Information:
Information may be used among companies that perform support services for us, such as data processors, technical systems consultants and programmers, or companies that help us market products and services to you for a number of purposes, such as:

• To protect your accounts from unauthorized access or identity theft;
• To process your requests such as securities purchases and sales;
• To establish or maintain an account with an unaffiliated third party, such as a clearing broker-dealer providing services to you and/or Garnet Group, LLC;
• To service your accounts, such as by issuing checks and account statements;
• To comply with Federal, State, and Self-Regulatory Organization requirements;
• To keep you informed about financial services of interest to you.

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WRITTEN REGULATORY DISCLOSURE: FORM ADV, PART II


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