Code of Ethics

As a member of the Society of Financial Services Professionals, Frank Lojewski adheres to the "Society's Code of Professional Responsiblity," a summary of which follows.

SUMMARY

CODE OF PROFESSIONAL RESPONSIBILITY

SOCIETY OF FINANCIAL SERVICE PROFESSIONALS

Canon 1 FAIRNESS – “Golden Rule”

R1.1 No concealment or misrepresentation of material facts

R1.2 Respect the rights of others

R1.3 Disclose material information including potential conflicts of interest

R1.4 Respect relationships with companies represented

R1.5 Recommend only what is appropriate for the client

R1.6 Maintain professional independence

Canon 2 COMPETENCE – Continually improving knowledge

R2.1 Maintain knowledge, participate in continuing education

R2.2 Refrain from giving advice beyond one’s expertise

Canon 3 CONFIDENTIALITY – Protect information

R3.1 Safeguard client information

R3.2 Safeguard company/employer information

R3.3 Ensure that agents/employees also protect information

Canon 4 INTEGRITY – Always place client’s interest above one’s own

R4.1 Avoid harm to others

R4.2 Maintain honorable relationships with others

R4.3 Adhere to spirit and letter of laws and regulations

R4.4 Be truthful and candid in all communications

R4.5 Avoid using Society designations in misleading manner

Canon 5 DILIGENCE – Prompt and thorough

R5.1 Act promptly with competence and consistency

R5.2 Make recommendations only after sufficient evaluation

R5.3 Properly supervise subordinates

Canon 6 PROFESSIONALISM - Help raise professional standards

R6.1 Know and abide by the laws and regulations

R6.2 Support development and enforcement of laws, regulations and codes of ethics

R6.3 Respect other professionals

R6.4 Cooperate with authorities in investigations

Canon 7 SELF-REGULATION - Uphold and facilitate enforcement of the Code

R7.1 Know and abide by the rules of this Code

R7.2 Do not sponsor a candidate who violates this Code

R7.3 Do not condone acts by other members that violate this Code

R7.4 Notify Society if you are in violation

R7.5 Notify Society of any revocation or suspension of license

R7.6 Report information concerning an alleged violation to the Society

R7.7 Report to Society any unauthorized use of approved Society designation