Due Care Bulletins

Financial Concepts, Inc. and its representative, Patrick J. McNamara* is presently licensed to sell traditional life insurance in Michigan, Alabama, Arizona, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Massachusetts, Minnesota, Montana, Nevada, New Hampshire, New Mexico, New York, North Carolina, Ohio, South Carolina, Tennessee, Texas, Utah, Virginia, Washington and California (Patrick J. McNamara, California license number OB8885). Insurance services are limited to residents of the above listed state. Residents of other states should consult with a local agent for insurance services.

Variable life and annuity products, as well as other securities products, may be sold in Michigan, Alabama, Arizona, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Massachusetts, Minnesota, Montana, Nevada, New Hampshire, New Mexico, New York, North Carolina, Ohio, South Carolina, Texas, Utah, Virginia, Washington and California (Patrick J. McNamara, California license number OB8885). Residents of other states should consult with a local registered representative for securities products.

Proper state registration is mandatory prior to conducting business in any state.