NPB Financial Group, LLC
Customer Notice
Business Continuity Plan 

NPB Financial Group, LLC maintains a Business Continuity Plan on how we will respond to events that significantly disrupt our business. Since the timing and impact of disasters and disruptions is unpredictable, we will have to be flexible in responding to actual events as they occur. NPB Financial Group, LLC is an introducing broker/dealer and, as such, it relies on its correspondent clearing firm to perform certain functions on its behalf, including the execution of securities transactions and the maintenance of customer funds and securities. Accordingly, the Firm’s ability to respond to certain business disruptions is partially dependent on our clearing firm. With that in mind, we are providing you with this information on our business continuity plan.

Contacting Us
If after a significant business disruption you cannot contact us as you usually do, you should go to our website at www.npbfg.com for emergency contact information. If you cannot access us, our clearing firm, Pershing LLC may be contacted to process limited trade-related transactions, cash disbursements, and security transfers. Instructions to Pershing must be in writing and transmitted via facsimile or postal service as follows:

Pershing LLC
P.O. Box 2065
Jersey City, New Jersey 07303-2065
Fax: (201) 413-5368

Please note that the fax number above is for business interruption-related issues only, and should not be used for any other purposes, such as change of address notices, account transfers, and credit verification. Information received on this fax that is unrelated to business interruption issues will not be acted upon.

For additional information about how to request funds and securities when your financial organization cannot be contacted due to a significant business interruption, please refer to the information below or call (201) 413-3635 for recorded instructions. If you cannot access the instructions from the previously noted telephone number, Pershing may be contacted at (213) 624-6100 extension 500 as an alternate telephone number for recorded instructions.

 The specific transactions Pershing will perform for clients of our introducing brokerdealers, and the required accompanying information, are as follows:

Trades

Pershing will process the following closing security transactions: 

• Sale of security position held long in the client's account
• Buy of security to close-out short security position

Pershing will process closing security transactions upon receipt of written instructions that must include the following information: 

• Client brokerage account number
• Client name (as registered on the brokerage account)
• Security description, including symbol or CUSIP® number
• Number of shares
• NOTE: All orders will be handled as market orders.

Cash Disbursements

Pershing will process cash disbursements upon receipt of signed written instructions that must include the following information:

• Client brokerage account number
  Exact amount to be disbursed
  Client name (as registered on the brokerage account)
  Indicate method of disbursement (as follows) and provide the information indicated:
             a) Check (payable to account name only)
                  Indicate name and address of record check is to be mailed to
              b) Federal fund
              Indicate receiving bank name, ABA number, and receiving bank account number

• NOTE: The receiving bank account name and brokerage account name must be identical unless we have a letter of authorization on file indicating alternate instructions.

Securities Transfers

Pershing will process security transfer requests upon written instructions that must include the following information:

• Client brokerage account number
• Client name (as registered on the brokerage account)
• Description of security(ies) to be transferred, including symbol(s) or CUSIP
• number(s)
• Quantity to be transferred
• Receiving account information for securities, as follows:

a) Transfer to another brokerage account at Pershing
Provide receiving account number at Pershing (name and address on both
accounts must be the same)
b) Transfer to another financial organization
Name of the receiving financial organization
DTC number (if the receiving financial organization is a registered brokerdealer) 

Our Business Continuity Plan

NPB Financial Group, LLC plans to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the firm’s books and records, and allowing our customers to transact business. In short, our business continuity plan is designed to permit our firm to resume operations as quickly as possible, given the scope and severity of the significant business disruption.

Our business continuity plan addresses: data back up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; banking arrangements; regulatory reporting; and assuring our customers prompt access to their funds and securities if we are unable to continue our business.

Our clearing firm, Pershing LLC, backs up our important records in a geographically separate area. While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption, we have been advised by
our clearing firm that it’s objective is to restore its own operations and be able to complete existing transactions and accept new transactions and payments within a reasonable time period. Your orders and requests for funds and securities could be
delayed during this period.

Varying Disruptions

Significant business disruptions can vary in their scope, such as only our firm, a single building housing our firm, the business district where our firm is located, the city where we are located, or the whole region. Within each of these areas, the severity of the
disruption can also vary from minimal to severe. In a disruption to only our firm or a building housing our firm, we will transfer our operations to a local site when needed and expect to recover and resume business within reasonable time period. In a disruption
affecting our business district, city, or region, we will transfer our operations to a site outside of the affected area, and recover and resume business within a reasonable time period. In either situation, we plan to continue in business, transfer operations to our
clearing firm if necessary, and notify you through our web site www.npbfg.com on how to contact us. If the significant business disruption is so severe that it prevents us from remaining in business, we will assure our customer’s prompt access to their funds and
securities.

For more information

If you have questions about our business continuity planning, you can contact us at (818) 827-7132.
 

12-4-07