Meritus Financial Group

Business Continuity Plan

Meritus Financial Group, Inc. has developed a Business Continuity Plan designed to permit our firm to resume operations as quickly as possible in the event of an emergency. Since the timing and impact of disasters and disruptions is unpredictable, flexibility will be key in responding to actual events as they occur.

Contacting Us - If, after a significant business disruption you cannot contact us at the Meritus Financial Group main office phone number (847-289-7700), you should call our clearing firm, Mesirow Financial, Inc. at (800) 552-2491 or www.mesirowfinancial.com for instructions on how they may help you contact us or access your funds or securities.

Our Business Continuity Plan - We intend to quickly recover and resume business operations after a significant business disruption and respond appropriately 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 each particular disruption.

Meritus Financial Group's business continuity plan, at a minimum, addresses: data back up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical locations of employees; critical supplier, contractor, bank, and counter-party impact; regulatory reporting; and assuring our customers prompt access to their funds and securities if we are unable to continue our business.

Our clearing firm, Mesirow Financial, Inc. backs up our important records on a regular basis in a geographically separate area of the country. While every emergency situation poses unique problems based on many external factors, such as time of day and the severity of the disruption, we have been advised by our clearing firm that its objective is to restore its own operations and be able to complete existing transactions and accept new ones and payments within a few hours. 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 affecting our firm; the single building housing our firm; the business district where our firm is located; the city where we are located; or our entire region of the country. 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 the building housing our firm, we intend to transfer our operations to a local site when necessary and expect to recover and resume business within a few hours, or as soon as operationally possible. In a disruption affecting our business district, city, or geographic region, we will transfer our operations to a site outside of the affected area, and we intend to recover and resume business as soon as operationally possible. If the significant business disruption is so severe that it prevents us from remaining in business, our clearing firm is the largest in Chicago, assuring our clients prompt access to their funds and securities.

For more information - If you have any questions regarding our Business Continuity Plan please contact us: Meritus Financial Group, 645 Tollgate Road, Suite 140, Elgin, Illinois 60123, (847) 289-7700. Email: meritus@meritusfinancial.com.