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o a w mmmti a bi a aa 4m mur it oa w ao ia mi umr-- -- -- YhnguadttcFdk -- 0' HO OM 178 411 48' a -- W ’88 48 no -- a 78 MCpptl Mpii Pun - uFMK tm jr Up Mom Fundi Mb w m 178 -- cmui Mb a ijimAr ifCMU W oo -- IM -- ma a a- -- 48-utc 7 -- a a oa SGbMbRadK l OMhM OMBpR mpmr mpmr a a 8 ia ua SSgAFundt auR a a ui 80 48 80- 48' mo 4u mm 4u o a ffa 4a 10 UMR Royctnnfc IB UMli' SB nnuBE oo ff 4M Inal Fdfc languid 88 MMtn -- 8 w ma w ta aa -- im HPOt am am tm -- M -- M Mbi 001 -- a -- BUI ' 717 -- 00 m ma m wmgm a ma MjhBauyBAP: mo Mbi MhBanaif 1: 4i ia m mo a ManFMft a 8N 41 a aa w 8 aco a SnUndii a -- U LaWPaftw: biHM -- 48 a a ia 178 tM ' MM Um a OO uu am mb- : im ma mop 88 48 a or w Mp M - 88 48 aa to oa 4i a ta 10 Ugg Muon fid' W mm ma ' acam a nmr Up b UMM -- mo aa o -- a a 8 ua 48 0 -- ma u -- -- -- b8M 41 170 ta bo bo -- ' meat Securities Cfiamplin know if explained ’T this bank works way ' every I assume they do — butat Zions the CD list and all : those dungs is not something wp get We don’t know when money is comug diK ffoim an Individual” V In iqdyto the same ques- tion Key Bank’s Leetham said the customer’s permission we are talking ut 77a 4a a mo 4i’ imr a mo ia HbnbguortFdr IO 41 bNl WbddtflRudAdr: Amm a ta a 8 ta 8 1 II 8 Mi TUI ' ' -- : -- -- - 4a am- WM Fundi: am bur o 'ma a aa a k’t with” However the coziness and convenience of onenstop ' financial shoppin may be counterbalanced m some con-sumer’ minds by questions of confidentiality The Financial Services Modernization Act of 71999 does give customers the explicit right to prohibit finan- - : “1 sharing their personal confi- - ::backandfixthW6say dential information with odier ’We’ye gm irmre alteniadve investments you may want to tion consumers have the right to see an explicit disclosure fran the firm on how their infhrmiitifwi yji tamal But if a consumer objects to such sharing of his or her informa-turn with affiliates the only protection is to divide accounts ainong separate institutions And there goes v - giqr let hint know we’ve had this conversation and then have him give you a call to followup?’ Banking deregulation has opened up Opportunities for consumers ud banks but requires greater watchfulness on the part of die consumer Barbara Rowe extension spe-dalist in the human oivirpn- meats department at Utah' Ao)b - confidentiality experience and integrity She suggested comparing brokers and asking questions: “Ask about fees and percentage commission Ask if they are or ion-based or a mix Ask ‘Ha' you had any claims filed with die SEC?’” Convenience is a good idling but not the only thing fee-bas- ed - 36: When can we retire? Age 48: Are we investing enough? V " " ' - Age 60: Can we afford to retire? : convenience'"'-'''- ma 8 tur ti tut ia SSI ma 4a w m na ' w we o ma w pbR im m ma w MFSFurUB: mi 4i mb a aa 4a ota mm 4M ma 4e Mm aa 40 comb a ut w am ur ou w Mi a am am a ma w Mr a ma w tut IMAuRadiB: ui M w o ta 4 dm w Mnoii ap—w i 40 BBM rWOK a 08 MB UI bumr a ma w M br a ta on mmr cm Bn w aa w Mo aa 4a Aa ma FU£ um 4a a ia a 1771 w Bdta nuBf nuuoRC am a oa M Mjf wM bmr BU aa 77 a oa to a Ji i— m 48 88 48 ma w ma 48 aa ta PiuMaFdi uh o ui AaamFMi 4i MCUTp ---- -- : Ut foiiMOM yot know Mp with the tough quostiom' Yet Dennis VanDuien of Zions Investment Sectnides ' ' : ' pointed out that accounts diere are actually held by ate Pershing Cleanng Ser-- : vices iothe priviicy provisions do dworedcalty apply He also emphasized that because of die Fair Cmlit Reporting Act Amendment 1996Zioiis Bank employees are strictly instructed dud sharing customer info will lead to dismissal While is ia questionaUe WbptheT the law protects con- ' iumers fiom unwante infexv ! madod sharinz between affiliated firms of die sa fmanciaf coiparatioos local ' hlibettatoplnwiAttKhelpofaaiiicpoe Tbirk bipw RegiNered you wy mvtating nao-affili- -7 U ' tele ¥xm Agent cap make lot of mom1 J AA oaef these RegbtaredRepraaitattvas I 1 about gettiag started with Stmtt Ftrm Mutual Fmads ti ittfc as S50ai ’1 i t - l "'l 1'' i'h r - i t- -’ k A s Mark WrrmUTTCF BfUMirtitWt - h ' ' ' ' J 60 ' 1s'’ it bohM RtfMtftf RapresantivB Rtgistaret RaprNSRlsdvi f ’V’ A s v s t i i V ' ' ' ' v taMitaitaMtakpMt' tiSitali ’ 'I X4SM52444:-- tata I ' ' : certificate of dnosit was 7 conung due to Zions Invest- - - ' ‘ comfortable:? serve Many of them already main- - " money settle into their check- tain investment accounts else ing account bdlmore than n I pmbr ffuiR i -- u ita noi GIB ur PitataB-jCiwtapt- nrtakAWp naui MM l 47 a a a ao 18 jMp Bm ma beau m Ua umr a MAMurT aa 4ti bmp ia Uf m aa ia MO a uaUbi ummJ U y dm dientis or bur -- Am ma 4m PiIuPMk a mi UOBr KM"- -- ll a m w ta ma Hu -- Ml 40 br li-' that would be the personal relationshu) that they feel At Key Bank for instance ffanrii rrmniltant aiHim Securities said manager Rick Leetham ed to the McDonald Invest- Uostof diese peoidethat meats door and said lt’S iuvemultideaollars are right on the sign— ’Not kheadly doing it Somewhere Insured No Bank Guar- - else' antee May Lose Value’” I hnnht gp n The same three dicta appear to advantage the consumer on thesignontheZirau who has savings checking Investment Securities door Be kanandinvestmeiltaccounts usured that banks are very under the same roof: interested in making sure thrir "HwmiI customers know the difference vifM hwwiw of multiple between putting money into relationship” investment accounts veniU ' v And for clients with invest- into bank wccotints ment accounts over a certain Lcetham continued ” We amount he added “Wc have need to make sure diatcus- packaged products which ' tomeiRundastanddiat when means we will rewiud you for' ' a relationship Iftfacyhave an 7 Jiey're dealing with invest- meats with the bank on the x Amnmrf iinttaiMt investment side (there are) of dcdlars I can have this duee dungs that we disclose account which hu no mini- to every customer They are nmm balance checks ree free ' : 7 notFDIC-insure- d They are it earns interest” ' not part (rfthey are not coik Formaiqr consumenof tracts ot or o)ligatioiis of or financial services a trusting guaranteed by any Key Cop idadonshqi with someone at a local institution means a great V Kay Bank or any McDonald Inv&tment And like any V r 'cted 7 : ‘ inverin WbhhittkedAbbutdie they’re risk inchding die potratial v advantages of working with i loaa ofpririciaL" Zions Bank customers Chuni- believe that care to distinguish between )m individual’s personality investing andtraditkmal bank- - cOmes but in who they wok infc they profit when they With eventually I tfamk that 7 ' the advantage would be that Y expose their cusfomen to a laiRer array of services And I’m locaL plus die fact of y for many customers ctmve- - 5 being abk totelp them oh av nience ip a potent selling basis B’s aper- - point W ta a ta w w a ui a ur a Q Uf 0 Um RMMbpI: aa 4B bur a bUa aaoMUJ wMa bb OaOMBtar M ItaMKtta'-- Butto ‘ V M 41 41 -- 48 irM inir a ma PtanurFMi un o mm -- 0Mi Ja MUtr mum khilitataWtaPWkeltawitawfc' tart Jew rw WtaM Wta IAAW ' 1' a cp mm a a MM 40 00 44 00 a a aa ta a 7a a GBMU rpDMkMdpMhiNMtattMitaeNkMMI-NHhMrAWttwtlMMweMM- M baOtukv a aobtaUU 71 IN Ebon MMMtawwiiMtatalMMta -- where to itu tothe bank’a benefit to capture those dollars before they walk Out the door ' Paul Quunplin Assistant' - : nd PMtataFIMtaMtataptataLlAtaw1liiiptataitatanD-niAWilA- ‘ ! v i MINI -- ' V mW- -I r : vS MMkWaMWltadWIMIMlMiM MM patawyMAilStai AMtawM MtadafN : y tm 88 W 48 mcobr m ma SUoMdFadK ' OM i mir o Dayflu: omta -- PH UtaAwta point-Investm- i 8 MUMe J"'- ma a a -- 41 Ml Du tanh' M M Me wkta pita N alM tad owM ta Nh:v ST’ ta aa 4a aw a mi aa ta aa w 'a entimirfflpbmA12 ai or but artif or --ti" Y i-f ilod paid m e muM M a ta w - ui a aw a aa 4a 4a 1 U4N a 4Ba a Brokers ptaMktfy by tfa cupoji mui nua at mm mm nn ui in ia aa 4a br HUM ctanQitf I puiMi or aoa -- boor m UOr 0 a 4W 8 IB SouddaRadift r mci a oo i HMCOtatt mr ff ia w OM UrObr -- 14 PilOOFundiC: Aa I ti MUM lopHoa taut a 4i M mo a ia mm HovmREAajH£Mai7TREyiE' ta a aa aa mm aa sa aa ur a a 88 48 a ta Mf MaA 8 la UIBrtA nma hr a PMOOFMift mbi a oo in iRnk w Jmo w M w ru ma a OBNOl a DbfcFMft oa '49 aui MMCIVI ma Aa wue 4am 4M m wrml W a UMR MM M8 ma PIMOOFMiAMk ma mUi Sinl’StaJ" mi ia a a 4i' 4ta 4ia BpMiB aw a aa mm J PMIGOM uu bb tn 48 Mmi -- ta a w- pm At aaa aaa 48 mo ma BandnobN Mk am 4to 0B BM a muua a tut 44 ui ta - ur w ta aa 44 aa a mb duo 40 aa 4a aa 48 aw 4i aa a ta 48 aa aa w IB III 40 MM ttrlBO a p aa 40 mo ma 4N nm m w a ' bb ta aoM -- a 41 41 I oOMp 4n fta-i- Mii mo i 41 a aa a jia an aa AM ji 4U 4M U mm a -- a IB PM M W W tata ti aa !SfadWiAM -- hi w ma ma W K aa ji aa to am i w aa rt am a aa a aa w mm tl l aa aa 8 va 41 U ta a oa aa aa aa w aa mm mo w aa aa ta aa a aa ta IS a 78 ' Mr a aa 4a a Ml 4B mb -ti aa ta um iaM a Ma - - BIT 10 ma me IB w MO MB 48 umi a aa w OppatakoOu: out a oa w OtaW 0 08 41 run uiavvmua ‘ ia oa 41 HBeOt - a SSPTW- ma am tra Moot 4a a IB a 3 47 4a aa 4a 4ff 4a -- mom MM mm m a aa a aa 4a i a aa a aa aaa HI 41 -- OBJ-- “ IUI ' 4W rn UI ’ 41 - 18 8 At ji mm IM UI CMbj GMOM mw m ta 4B aa aa aa ta aa aa tur - aa aw MM u an A 41 mm HU rn mu a Sffi'cRrLtiCWIr&fRK- a aa ta aa aa 4a tw 4a a aw a at ta a it M M 4 MPa 17U2 4 aa aa w mm mu AOMW Hr ta aa 4a 70 11MM4 a Mi aa a-a- AI Ji ff -- BU - ta - aa ta i 41 4i in 8J1 nm am m 1a ffl aw a Ma a aa aa 4a mi 48 mu ta aa 4a 40 4i a aa ui ft w aa w ir p N7e HI 71 am am -- w - 80 oa M Ub 80 4 41 M' M J MM U 41 MOM Jl tur ur 14 Ml 41 Ml Mr Jl 88 48 nm am ft H401 a10 bmn HU -- no 80 48 tm MUmI -- M m gw biu SooddaRndi MhBamay MMPUr 4N Anar Oubn bar ma -- m m w w ma a ta w -- a IBM w um a aa 48 ir a am 4m a W MbmoQvIc mbi MU' a jib uur I -- 08 40 08 w MailljMbDc UbOp a 8M ma - M -- Ml a am am ma 4m a oa Omrir &Aa U I MO iMB -- aiu“ ta - I dm tak tap ‘w tur 4a p utm a nUN -- aa 8 aa ra a aa aa 4a aa 40 ur aa - H Marti lynoh Mot ’ Im II aa -il tan MdfMiA bU 8 88 ra Ji uur 8 ta ia w A mo 4a W aa - w aa- o aa 4 a aa ur a ma 4a 8 HO 48 aa a mm a a ma a Mr umr aa drUr Iwl CM ItaU Mil - 4W m MMJ WP kMt -- 4B Pkr C- mm IN a aa w 41 M a 4i aa a ui 4a Mv w a aa 40 4a SL a aa 4a Mp Mm ji M W aa Ml JSm Mu m mm p ua aa 4a uf w W MO 1 M 41 B 8M- r AMP aa 4i aa aa ao taM ML MAMA Mb mm am mm WM a 'ta w i mo mi Mi Maa Wua aa - II aa jib- Ml M M ST M aw 4ff 88 48 ( awJ aaaa 404 MB f s n M£fc ui aa ui 11 41 tN Ml wm ji Mi 8 A 'AM aw A Logan Utah Sunday July 21 2002 — A13 taataHtailataitatatatata— ltafftatatatatarnltaiitaplaiplal V CfflHMri piMa! 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