Letter to Investors

This letter is to make you aware of information you are or will be receiving from Harbour and the various sponsors we work with.

Compensation from Product Sponsors and Conflicts of Interest

Harbour and its Investment Adviser Representatives (“IARs”) have a duty to disclose potential and actual conflicts of interest to their clients.

Breakpoint Disclosure

Before investing in mutual funds, it is important that you understand the sales charges, expenses, and management fees that you will be charged, as well as the breakpoint discounts to which you may be entitled.

Business Continuity Plan

Harbour Investments, Inc. strives to provide extraordinary customer service to our clients. In the event that we are temporarily unavailable due to an uncontrollable circumstance, we are providing our clients with a brief overview of how we plan to recover access to us in a reasonable amount of time.

Customer Agreement

Know your rights and your responsibilities as a client!

Investment Advisory Brochure

This brochure provides information about the qualifications and business practices of Harbour Investments, Inc.

MSRB Rule G-10 Investor Education and Protection

An investor brochure is posted on the website of the Municipal Securities Rule Making Board, www.msrb.org that describes complaint procedures with the appropriate regulatory authority and protections available under the Board’s Rules.

Privacy Policy

Our Privacy Policy has been reasonably designed to ensure the security of your financial and personal information.

SIPC Information

Harbour  is  a member  of  the  Securities Investor Protection Corporation (“SIPC”).  You may obtain information about SIPC, including the SIPC brochure, by visiting their website or calling (202) 371-8300.

Wrap Free Program Brochure

This Wrap Fee Program Brochure provides information about the qualifications, business practices and disclosures of Harbour Investments, Inc.