Foster Group (“Foster”) hypothetical performance results represent results for the designated Portfolio (the “Portfolio”) during the corresponding time period. The performance results reflect the reinvestment of dividends and other account earnings, and the maximum investment management fee that would have been charged by Foster during the corresponding time period, and the rebalancing of the portfolio back to the model allocation annually.  A description of Foster’s advisory fees are disclosed on Part 2A of its Form ADV, a copy of which remains available upon request. Foster’s fee schedule is based upon a percentage (%) of the amount of assets placed Foster’s management-the greater the amount of assets, the lesser the percentage fee. Foster currently utilizes these Portfolios in managing actual client accounts.  However, the Portfolio results may materially differ from actual client results based upon various factors. The underlying component of each Portfolio and the corresponding asset allocation percentages were and are subject to change on an ongoing basis. Please see Hypothetical Limitations below.

Please Note:  Past performance may not be indicative of future results.  Therefore, no current or prospective client should assume that future performance will be profitable, or equal the performance results reflected. The hypothetical performance results are provided for comparison purposes only, so as to provide general comparative information to assist an individual client or prospective client in determining whether Foster performance meets, or continues to meet, his/her investment objective(s).

Please Also Note: Hypothetical Limitations-the Portfolio reflects hypothetical, back-tested results, that were achieved by means of the retroactive application of a back-tested portfolio and, as such, the corresponding results have inherent limitations, including: (a) the portfolio results do not reflect the results of actual trading using investor assets, but were achieved by means of the retroactive application of each of the referenced portfolios, certain aspects of which may have been designed with the benefit of hindsight; (b) back tested performance may not reflect the impact that any material market or economic factors might have had on the adviser’s use of the hypothetical portfolio if the portfolio had been used during the period to actually mange investor assets; (c) for various reasons (including the reasons indicated below), clients may have experienced investment results during the corresponding time periods that were materially different from those reflected for the Portfolio.

For reasons including variances in Portfolio account holdings, variances in the investment management fee incurred, market fluctuation, the date on which a client engaged Foster’s investment management services, timing of account rebalancing, and any account contributions or withdrawals, the performance of a specific client’s account may have varied substantially from the indicated Foster Portfolio performance results.

In the event that there has been a change in a client’s investment objectives or financial situation, he/she/it is encouraged to advise Foster immediately.  Different types of investments and/or investment strategies involve varying levels of risk, and there can be no assurance that any specific investment or investment Portfolio (including the investments purchased and/or investment strategies devised or undertaken by Foster) will be either suitable or profitable for a client’s or prospective client’s portfolio.

All performance results have been compiled by Foster, and has not been independently verified.

Information pertaining to Foster’s advisory operations, services, and fees is set forth in Foster’s current disclosure statement, a copy of which is available from Foster upon request.

ANY QUESTIONS: Foster’s Chief Compliance Officer, Gregory Olsen, remains available to address any questions regarding the Portfolio and/or this presentation.