1. World Class Target Allocationsm Program

2. Lighthouse Investments What is Target Allocationsm? Being in the right place at the right time. Different than Asset Allocation Evaluated and Reallocated on a regular basis Not Market Timing 100% Mutual Funds Values

3. Lighthouse Investments Regular Reallocation Based on performance-weighted market and economic indicators Based on current economic conditions Quarterly reallocation Values

5. Goldman Sachs Commodity Index (GSCI)

6. 2 to 10 Year Treasury Note Spread

7. Michigan Consumer Sentiment

8. Long Term Interest Rates

9. Dollar Exchange Rate

10. Federal Funds Rate

11. Copper

12. GoldValues

14. Market Sectors from fixed income to equity

15. Allocated into the sectors that we feel will outperform during the next quarter

16. Has varied from 100% equity to 100% fixed income

17. Most quarters are predominantly comprised of equity sector investmentsValues

18. Lighthouse Investments Portfolio Decision Making Process Weighted economic and market indicators Screen total available funds using Morningstar Various performance and risk measures are used to determine funds(annual performance, Morningstar rating, Sharpe ratio, and average annual performance) Screen each fund if Socially Responsible or Values Based portfolio Evaluate prospectuses to determine minimum holding period and possible redemption fees Values

20. Moderate Growth

21. Conservative Growth

22. BalancedValues

24. Fundamental Target Allocation

25. Socially Responsible Target AllocationValues

26. Lighthouse Investments Values Target Allocation Portfolios composed of mutual funds whose composition is determined to be Values Responsible Values

28. Pornography

29. Anti-Family Entertainment

30. Non-Marriage Lifestyles

31. Alcohol

32. Tobacco

33. Gambling Values

35. At portfolio re-allocation, they have never had any investment in companies that have abortion or pornography violations.

36. The overall portfolio violation percentage has ranged from a low of 0% to a high of 4% in a quarter.Values

37. Lighthouse Investments A Systematic Approach To all Aspects of Portfolio Management Values

38. Lighthouse Investments Focus on Continuous Improvement in Portfolio Returns and Risk Control Values

39. Lighthouse Investments Questions? Money Concepts International, Inc. 11440 N. Jog Road Palm Beach Gardens, FL 33418 Tel: 561.472.2000 www.moneyconcepts.com All Securities through Money Concepts Capital Corp. Member FINRA/SIPC Money Concepts Advisory Service is a Registered Investment Advisor with the SEC All Non Securities and Non Advisory Products through Money Concepts International, Inc. Providers of Financial Services Since 1979 Values