IMPORTANT CONSUMER DISCLOSURE

ORRGROUP, LLC ("ORRGROUP") is an state registered investment adviser located in Orlando, Florida. ORRGROUP and its representatives are in compliance with the current registration and/or notice filing requirement imposed upon state registered investment advisers by those states in which ORRGROUP maintains clients. ORRGROUP may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. ORRGROUP's web site is limited to the dissemination of general information pertaining to its investment advisory services. Accordingly, the publication of ORRGROUP's web site on the Internet should not be construed by any consumer and/or prospective client as ORRGROUP's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by ORRGROUP with a prospective client should be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of ORRGROUP, please contact the United States Securities and Exchange Commission (the "Commission") and/or the state securities law administrators for those states in which ORRGROUP maintains a notice filing. A copy of ORRGROUP's current written disclosure statement discussing ORRGROUP's business operations, services, and fees is available from ORRGROUP upon written request. ORRGROUP does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to ORRGROUP's web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

  WARNING: Past performance does not guarantee future results. Investment returns and principal value will fluctuate, so that investors' shares, when sold, may be worth more or less than their original cost. Investing in any mutual fund, index or actively managed, does not guarantee that an investor will make money, avoid losing capital, or indicate that the investment is risk-free. Actively managed funds sometimes outperform index funds. You just don't know in advance which actively managed fund will outperform the appropriate index. Just because a mutual fund is an index mutual fund, it does not guarantee a performance superior to an actively managed mutual fund. There are no absolute guarantees in investing. When reviewing any backtested performance information on this internet site, or any linked internet site, please read the Disclosure for Backtested Performance Information.