We are not legal or tax advisors. Any investment, including an IOP, entails risk and may lose value. Past results will never be able to predict or guarantee future results. Options also involve risk and are not suitable for all investors. Prior to buying or selling an option, a person should receive a copy of Characteristics and Risks of Standardized Options. Copies of this document may be obtained from your broker, from any exchange on which options are traded or by contacting The Options Clearing Corporation, One North Wacker Dr., Suite 500, Chicago, IL 60606 (1-888-678-4667). The document contains information on options issued by The Options Clearing Corporation. The document discusses exchange traded options issued by The Options Clearing Corporation and is intended for educational purposes. No statement in the document should be construed as a recommendation to buy or sell a security or to provide investment advice. If you need further information, please feel free to call the Options Industry Council Helpline. They will be able to provide you with balanced options education and tools to assist you. The Options Industry Council Helpline phone number is 1-888-Options (1-888-678-4667) and their website is www.888options.com.

The iShares MSCI Emerging Markets Index Fund (EEM) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of publicly traded securities in emerging markets, as represented by the MSCI Emerging Markets Index. In addition to the normal risks associated with investing, international investments may involve risk of capital loss from unfavorable fluctuation in currency values, from differences in generally accepted accounting principles or from economic or political instability in other nations. Emerging markets involve heightened risks related to the same factors as well as increased volatility and lower trading volume. MSCI and MSCI Index are servicemarks of MSCI Inc. and have been licensed for use by BlackRock Institutional Trust Company, N.A. iShares Funds are not sponsored, endorsed, issued, sold or promoted by MSCI Inc. Nor does this company make any representation regarding the advisability of investing in iShares Funds. Index data source: MSCI Inc. The iShares Russell 2000 Index Fund (IWM) seeks investment results that correspond generally to the price and yield performance, before fees and expenses, of the small capitalization sector of the U.S. equity market as represented by the Russell 2000 Index. The index represents the approximately 2,000 smallest companies in the Russell 3000 Index. The iShares Funds (“Funds”) are distributed by SEI Investments Distribution Co. (SEI). Investments in smaller companies typically exhibit higher volatility. The Russell Index is a trademark of Russell Investment Group (“Russell”) and has been licensed for use by BlackRock Institutional Trust Company, N.A. iShares Funds are not sponsored, endorsed, issued, sold or promoted by Russell. Nor does this company make any representation regarding the advisability of investing in iShares Funds. Index data source: Russell. Shares of iShares Funds are bought and sold at market price (not NAV) and are not individually redeemed from the Fund. Brokerage commissions will reduce returns. The SPDR® S&P 500® ETF (SPY) is a fund that, before expenses, generally corresponds to the price and yield performance of the S&P 500 Index Performance of an index is not illustrative of any particular investment. It is not possible to invest directly in an index. Not FDIC Insured –No Bank Guarantee – May Lose Value

“SPDR®” is a registered trademark of Standard & Poor’s Financial Services LLC (“S&P”) and has been licensed for use by State Street Corporation. No financial product offered by State Street Corporation or its affiliates is sponsored, endorsed, sold or promoted by S&P or its affiliates, and S&P and its affiliates make no representation, warranty or condition regarding the advisability of buying, selling or holding units/shares in such products. Standard & Poor’s®, S&P®, SPDR® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC and have been licensed for use by State Street Corporation. All total return figures assume reinvestment of dividend and capital gains at net assets value; actual returns may differ. SPDR – Standard & Poor’s Depositary Receipts – are exchange traded funds that represent ownership in the SPDR S&P 500 Trust, a unit investment trust. The S&P 500 Index is an unmanaged index of 500 common stocks that is generally considered representative of the U.S. stock market. The index is heavily weighted towards stocks with large market capitalizations and represents approximately two-thirds of the total market value of all domestic common stocks. The S&P 500 Index figures do not reflect any fees, expenses or taxes.

An investor should consider investment objectives, risks, charges and expenses carefully before investing. The IOP data for the graphs is from Desert Rose Capital Management’s proprietary rules based models. They reflect actual historical option prices and historical prices of bond funds that we use frequently, bought and sold according to our models. Historical data was gathered from Yahoo!, iShares and SPDRS websites for the graphs. There are no guarantees by those companies to the accuracy of their data. Some options data was conservatively extrapolated based on Desert Rose’s experience in option pricing and the actual index price for a few years when options were not available on the underlying fund. There were three years when the EEM and TLT funds did not exist yet where data was conservatively extrapolated from the index that the fund tracks. The effect of a 1.25% yearly advisory fee is reflected, but taxes were not reflected in these graphs. The effect of taxes may improve the results of the IOP even further or detract, depending on an individual’s tax situation. Your results may vary. Investors may want to seek tax and legal advice when incorporating an IOP into a financial plan. These graphs are for illustration purposes and not a recommendation to buy or sell any security. Contact us if you’d like further information.