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About Royal Alliance

Royal Alliance Associates, Inc. is one of the country's largest independent broker-dealers. Our registered representatives have offices across the country. Our exceptional reputation is built on the foundation of financial strength provided by our parent company, American International Group (AIG). Together we provide our clients with the higher levels of service whatever the economic climate. The right information, guidance and product offerings make planning for our clients financial and life goals much easier.

Through my association with Royal Alliance Associates, Inc., I have access to an extremely diverse array of investment products, and tax sheltered products such as IRAs, corporate retirement plans, variable annuities, and variable life insurance products.

While Royal Alliance Associates, Inc. provides access to an attractive assortment of investments such as stocks, bonds, mutual funds, variable annuities and variable life insurance, Royal Alliance has no proprietary products of its own. This means that I am free to select those products and services that will best meet the needs of my clients, and I am not constrained by any "corporate sales goals or quotas".

In addition, I am separately licensed as a fully independent life and health insurance agent and have access to many of the best insurance products such as high quality long term care; inexpensive, high quality term life; competitive fixed annuities; and high quality, low-cost universal life insurance.

Timothy Harlow is a Registered Representative of and offers securities products & services through Royal Alliance Associates, Inc. Member FIINRA/SIPC, a registered broker-dealer. In this regard, this communication is strictly intended for individuals residing in the states of CO HI ID NV UT WA and WY. No offers may be made or accepted from any resident outside the specific states referenced.

Timothy Harlow is also separately registered as an investment adviser representative under TH Financial, a Licensed investment advisor, offering advisory services in the state of Utah. As such, these services are strictly intended for individuals residing in Utah.

Advisory services offered through Royal Alliance Associates, Inc., a Registered Investment Advisor.

IMPORTANT CONSUMER INFORMATION:

A broker-dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker-dealer, investment adviser, BD agent or IA rep registration requirements, as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirement, or an applicable exemption or exclusion.

For information concerning the licensing status or disciplinary history of broker-dealer, investment adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.