com.

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Investors can also
access this service by calling 1-800-289-9999. For more information, please visit our
Web Site at http://www.

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"

FOR MORE INFORMATION VISIT, HTTP://WWW. Still other
firms maintain a list of approved EIAs and prohibit the sale of all others.

* Consider whether additional supervisory procedures would help protect
the firm's customers.

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Nevertheless , this uncertainty over whether a particular
unregistered EIA may be a security complicates a broker -dealer's supervisory
responsibilities.

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MONEY-WISE.com/broadcast/22300/consumer.

NASD Issues Guidance Regarding Equity Indexed Annuity Sales

If the
EIA is a security, the firm would have to supervise the sale as a private
security transaction.

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Consumers don't realize that accessing your credit report
has never been easier.

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As of September 1, consumers everywhere can access a
free copy of their credit report annually by visiting annualcreditreport. If an EIA is an insurance product, then a firm would have to
treat sales of the EIA by its brokers as an outside business activity. NASD touches virtually every aspect of the
securities business -- from registering and educating all industry
participants, to examining securities firms, enforcing both NASD rules and the
federal securities laws, and administering the largest dispute resolution
forum for investors and member firms.

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com.

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EIAs are complex financial instruments in which the issuer, usually an
insurance company, guarantees a stated interest rate and some protection from
loss of principal, and provides an opportunity to earn additional interest
based on the performance of a securities market index.
NASD has previously issued an Investor Alert, Equity Indexed Annuities - A
Complex Choice, to assist investors considering purchasing an EIA.nasd.

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Because of this uncertainty, some firms require their
brokers to obtain specific approval to sell unregistered EIAs.nasdbrokercheck.

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This step enables you to correct any errors that may appear and helps protect
against identity theft and credit fraud.shtml

AUDIO PROVIDED BY: CONSUMER ACTION

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CAPITALONE.
Notice to Members 05-50 does not take a position on whether a particular
EIA is a security.
NASD's Notice says that firms should:

* Consider maintaining a list of acceptable unregistered EIAs and
prohibiting their brokers from selling any other unregistered EIA
without the firm's written confirmation that the sale is acceptable.

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NASD is the leading private-sector provider of financial regulatory
services , dedicated to investor protection and market integrity through
effective and efficient regulation and complementary compliance and
technology-based services.

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THE SURVEY FOUND THAT TWO-THIRDS OF AMERICANS COULDN'T DEFINE A GOOD
CREDIT SCORE AND OVER HALF DON'T CHECK THEIR CREDIT REPORTS ON A REGULAR
BASIS.ORG OR
HTTP://WWW.

I'M DANIELLE ADDAIR

ADDITIONAL RESOURCES: Audio version and more available at
http://www.

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KEN MCELDOWNEY, EXECUTIVE DIRECTOR OF CONSUMER ACTION COMMENTS:
"It's startling that almost a quarter of Americans have never reviewed
their credit report. Concerns About Marketing, Supervision and Investor Protection Cited

WASHINGTON , Expressing concerns about marketing,
supervision, disclosure and investor protection issues, NASD today issued
formal guidance to registered firms selling equity indexed annuities (EIAs).

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Investors can obtain more information about, and the disciplinary record
of, any NASD-registered broker or brokerage firm by using NASD's BrokerCheck. Investors can link
directly to BrokerCheck at http://www.

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8 million searches for
existing brokers or firms and requested almost 190,000 reports in cases where
disclosable information existed on a broker or firm.com.

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The question of
whether a particular EIA is an insurance product or a security is complicated,
depends upon the particular facts and circumstances concerning the instrument
offered or sold, and is determined on a case-by -case basis. In 2004, members
of the public used this service to conduct more than 3.

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New Program Strives to Educate Consumers on Personal Finance

NEW YORK, THIS IS A MULTIVU SPECIAL REPORT.COM.prnewswire.

The Notice also reminds firms that under any circumstances, NASD
suitability rules apply to any recommendation that a customer liquidate or
surrender a registered security for the purpose of purchasing an unregistered
EIA.

The word 'indigenous' or 'native' is used to distinguish such peoples from the later arrivals.

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Some EIAs are
registered with the Securities and Exchange Commission (SEC) as securities. For example, a firm could require that all sales
of unregistered EIAs are processed through the firm, meaning the firm
must supervise the marketing material, suitability analysis and other
sales practices in the same way it supervises the sale of securities
through the firm.

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Many are not, based on a determination that they are insurance products that
qualify for exemption under the Securities Act of 1933.

* Provide brokers selling any unregistered EIA through the firm with the
proper training to ensure they understand the EIA 's features and the
extent to which the EIA meets the needs of a particular customer.

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NASD makes BrokerCheck available at no charge to the public.

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National Survey Finds Americans May Be Poor When It Comes to Financial Knowledge

HOW WELL DO YOU KNOW YOUR FINANCES? ACCORDING TO A NEW SURVEY SPONSORED
BY CONSUMER ACTION AND CAPITAL ONE, SIXTY-FIVE PERCENT OF AMERICANS FEEL VERY
KNOWLEDGEABLE WHEN IT COMES TO PERSONAL FINANCE, YET MANY FALL SHORT WHEN IT
COMES KEY FACTORS LIKE BUDGETING, UNDERSTANDING CREDIT SCORES AND CREDIT
REPORTS.