Legal Documents & Disclosures

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General Documents:

	Income Disclosure Statement Updated 01/02/2010
	YOR Terms of Use Updated 5/29/08
	YOR Privacy Policy Updated 5/29/08

Registered Retail Customer (RRC) Documents:

	RRC Policies & Procedures Updated 6/05/08
	RRC Refund Policy Updated 9/15/09

Select Customer (SC) Documents:

	SC Policies & Procedures Updated 6/05/08
	SC Refund Policy Updated 9/15/09

Distributor Documents:

	Prohibited Representation Updated 5/29/08
	Distributor Important Disclosures Updated 1/21/2010
	Distributor Terms and Conditions Updated 5/29/08
	Distributor Policies & Procedures Updated 4/29/09
	Distributor Refund Policy Updated 9/15/09

*Note: All revision dates are disclosed at the bottom of each document.