Dear Investor:

Highland Financial Group is pleased to introduce the ACE Investment Strategies.

Diversified Premium Collection (DPC)
This strategy combines the profit-generating potential of ACE’s core strategy, the Stock Index Premium Collection (SIPC) strategy, with opportunistic trading in other index, financial or commodity futures. The SIPC strategy writes call and put options on the S&P 500 index futures. The strategy balances option positions, where price changes and volatility are constantly changing, and exploits the time decay aspect of option premiums. There are twelve cycles per year, ending on options expiration each month. Profitable outcomes can occur whether the S&P is up, down, or sideways as long as its price stays within a predetermined range. In the Diversified strategy, we add the use of financial and commodity futures which offers us a wider spectrum of trading opportunities. As experienced commodity traders, we know that over the course of a year individual commodities might not offer attractive investment (or trading) situations at all times. So, among the 36 commodities we currently track daily, we are always on the alert for compelling opportunities when they do occur in one or more in the group. Please be advised that the risk of loss in option writing programs is unlimited, this investment is not suitable for all investors.

Net Returns Since Inception

Note: Past performance is not necessarily indicative of future results. One must be aware that the possibility of unlimited loss exists in writing options.