1. Rocky Mountain Technical Marketing, Inc. © Copyright Rocky Mountain Technical Marketing, Inc. 2015 Jeff Stollman RMTM, Inc. Customer Benefits of Φ-Funds™

2. RMTM, Inc. © Copyright Rocky Mountain Technical Marketing, Inc. 2015 Φ-Funds™ provide leveraged returns for investors seeking exposure to a particular index.  Φ-Funds™ technology support the construction of leveraged index products that do not need to reindex. -Because of this, they retain fidelity with the underlying index. If the index is up, Φ-Funds™ are up. If the index is down, Φ-Funds™ are down. If the index is unchanged, Φ-Funds™ are unchanged. This is true for any period of time, regardless of market volatility and the path that the underlying index has taken to get to where it is.  Φ-Funds™ are path independent.

3. RMTM, Inc. © Copyright Rocky Mountain Technical Marketing, Inc. 2015 Φ-Funds™ technology supports a wide variety of indices. -Broad national market indices (e.g., DJI, S&P 500, NASDAQ, FTSE 100, CAC 40, DAX) -Industry sector indices (e.g., financial, energy, manufacturing, transports, tech) -Commodities (e.g., oil, gold, copper, corn, wheat) -Currencies (e.g., USD, GBP, Euro, Yen) -Custom indices (e.g., VIX implied volatility, HACK cybersecurity)  Φ-Funds™ support most investment preferences.

4. RMTM, Inc. © Copyright Rocky Mountain Technical Marketing, Inc. 2015 Φ-Funds™ construction supports various investment vehicles including: -Exchange Traded Equity Funds -Exchange Traded Commodity Funds -Exchange Traded Notes -Mutual Funds -Closed-end Funds -Pooled Accounts -Hedge Funds  Φ-Funds™ offer unique benefits to a wide range of investors seeking to outperform the market over a medium or long term.

5. RMTM, Inc. © Copyright Rocky Mountain Technical Marketing, Inc. 2015 Investing  Φ-Funds™ offer leverage (including inverse leverage) that allows investors to earn better than market returns, without the risk of margin calls.

6. RMTM, Inc. © Copyright Rocky Mountain Technical Marketing, Inc. 2015 Purchasing Φ-Funds™ for investment can be useful for: -Pension Funds -Endowments -Mutual Funds -Closed-end Funds -Retail Investors -Individual IRA and 401(k) Accounts -Pooled Accounts -Hedge Funds  Investors with long planning horizons can use Φ-Funds™ to outperform the market, without concern for reindexing decay.

7. RMTM, Inc. © Copyright Rocky Mountain Technical Marketing, Inc. 2015 Retirement Fund Investing in declining markets  Φ-Funds™ provide a unique feature to overcome a key limitation for IRA and 401(k) accounts. -Investments made using such accounts are restricted to investments for which investors can lose more than their initial investment. This restriction prevents such accounts to take advantage of declining markets. They cannot sell short. -But Φ-Funds™ affords them the opportunity to invest in leveraged index products with inverse leverage. -Because Φ-Funds™ can be designed to never go to zero, they allow investors to take advantage of declining markets without violating the restrictions of their investment account.  In the worst of times, losses from Φ-Funds™ will never exceed the amount invested.

8. RMTM, Inc. © Copyright Rocky Mountain Technical Marketing, Inc. 2015 Hedging  Φ-Funds™ can provide a low-cost hedge for long-term investors who seek to hedge their position for periods longer than the reindexing period of current leveraged index products.

9. RMTM, Inc. © Copyright Rocky Mountain Technical Marketing, Inc. 2015 Purchasing Φ-Funds™ for hedging can be useful for: -pension funds -endowments -mutual funds -pooled accounts -retail investors -hedge funds -speculators  Φ-Funds™ enable medium and long term hedges without time decay.

10. RMTM, Inc. © Copyright Rocky Mountain Technical Marketing, Inc. 2015 Q & A