PRODUCTS

What is the quality of your platform for serving your representatives?
Investors Capital clears through Pershing, a division of The Bank of New York, and one of the largest clearing firms in the world.

What programs are available through Pershing?
NetExchange Pro for Windows is an innovative software program that enables you to efficiently access client accounts, enter orders, get streaming quotes, obtain the latest news and investment research, and more. NetExchange Pro for Windows provides you with a single platform, improved response time, customizable screens, and an increased competitive edge to allow you to efficiently service your clients.

What is the selection of investment and insurance options with Investors Capital?
Through Investors Capital, you may choose from the following selection of investment and insurance options:

· Full-service stock and bond trading
· Internet trading
· Mutual funds
· Annuities
· Options
· Margin accounts
· Professionally managed accounts
· Life insurance
· Long-term care
· Managed asset plans
· Direct investments
· Money market accounts
· Certificates of deposit (COD)
· IRAs
· Limited partnerships
· Unit Investment Trusts (UITs)
· Individual brokerage accounts
· Tax advantage programs
· Fee-based accounts

Are there incentives, or will I be required to sell proprietary products?
No. Investors Capital does not require that any proprietary products be sold. This allows you to focus on finding appropriate solutions for your clients with no distractions or conflict of interest.

What is Investors Capital Advisory Services?
Investors Capital Advisory Services is our registered investment advisor firm. Investors Capital Advisory Services provides asset management and advisory services to both individual investors and institutional clients. Investors Capital Advisory Services manages everything, unless you choose to manage your own accounts.

Do I need a special license to use Investors Capital Advisory Services?
Investors Capital Advisory Services is an advisory service that allows you to charge a fee on managed accounts. Although each state is different, we require all representatives to have a Series 65 or 66 license.

COMPLIANCE

Do I have to purchase my E&O insurance through Investors Capital?
Yes. Investors Capital requires that all representatives be covered through our policy. It covers you for 12 months (January 1 through December 31).

Do I need a principal license (Series 24 or Series 26) in order to join Investors Capital and have my own office?
Investors Capital does not require there to be a principal in every office unless it is mandated by your state, or you wish to supervise others. We suggest you call our compliance department for further information.

I have just fulfilled my firm's continuing education requirement. Do I still need to attend yours?
No. Investors Capital will be happy to waive the requirement if you are able to provide proof of completion from your current firm.

How often do I pay licensing fees?
Whenever you request a new state registration or need to take an NASD exam, you will be charged the appropriate fee. Otherwise, all NASD registration fees are paid annually in November for the upcoming year.

Are there any other fees passed on to the representatives as independent
representatives of Investors Capital?
No. There are no hidden costs or fees that are passed on to representatives. On a yearly basis, representatives are responsible for their registration/renewal costs, E&O insurance, and individual state licenses with which they conduct business. Top

SERVICE

How many independent representatives are registered with Investors Capital?
Investors Capital currently has 850-plus representatives nationwide. Top

How often does Investors Capital pay commissions?
Investors Capital pays commissions weekly. Weeks end on Wednesday, with checks mailed on Thursday. Direct deposit is also available. Top

What is Investors Capital's percentage payout to representatives?
The percentage payout at Investors Capital is based on the representative's GDC, and may range anywhere between 70% and 90%. Top

Does Investors Capital provide transition support?
Yes. Transition support is offered from the first time you speak to a recruiter until your accounts have successfully transferred to Investors Capital. Depending on individual circumstances, additional support is available, if requested, to help with the client transition process. Top

What does Investors Capital offer for marketing support?
From business cards to developing a business plan, Investors Capital is available to assist you with all your needs. We also provide representatives with turnkey programs and a personalized home page designed to enhance
and grow your practice and clientele. Top