NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
CARTER & CARTER FINANCIAL, Registered Investment Advisor or
CARTER & CARTER FINANCIAL TAX & ACCOUNTING

RAYMOND JAMES PRIVACY NOTICE
Raymond James and the Heritage Family of Funds, administered by its wholly-owned subsidiary Heritage Asset Management, are committed to protecting confidentiality of the information furnished to us by our clients.

We are providing you this information as required by Regulation S-P adopted by the Securities and Exchange Commission.

Information about you that we collect
We collect nonpublic personal information about you, including but not limited to, name, address, social security number and financial information from the following sources: information we receive from you on applications or other forms or through our Web site; information about your transactions with us, our affiliates or others; and information we may receive from a consumer reporting agency.

Our use of information about you
As permitted by law, we may share information about you with other companies in the Raymond James family – that is, companies that are owned by Raymond James Financial. That may include information shared by the Heritage Family of Funds with Raymond James broker/dealers and investment advisors, and information shared among other Raymond James financial service providers, such as financial advisors and insurance and annuity consultants. Raymond James Financial Services, Inc. is a party to joint marketing arrangements with certain banks and credit unions. Information about clients who participate in these programs may be shared by RJFS with the participating bank or credit union. These financial institutions have agreed to treat any such information as confidential and not to share such information with any other parties. Additionally, financial advisors may change brokerage firms and information may be received or taken by your financial advisor to the new firm. If you do not want your financial advisor to transfer this information, please contact 1 (800) 647-SERV (7378) to opt out of this information sharing. Otherwise, we do not disclose any nonpublic personal information about you to anyone except as permitted by law. We follow the same policy with respect to nonpublic information received from all clients and former clients.

How we protect your confidential information
Raymond James has policies that restrict access to nonpublic personal information about you to those employees who have need for that information to provide investment alternatives or services to you, or to employees who assist those who provide investment alternatives or services to you. We maintain physical, electronic and procedural safeguards to protect your nonpublic personal information.

Copyright © 2006 Raymond James Financial, Inc. All rights reserved.