This investment proposal is an interactive analysis tool that uses hypothetical performance data, simulations, and statistical analyses to calculate the likelihood of various investment outcomes if certain investment products, strategies, or styles are employed. This analysis can help you and your financial representative evaluate the potential risks and returns of investment choices. The results generated by an investment proposal tool regarding the likelihood of various investment outcomes are hypothetical, do not reflect actual investment results, are not guarantees of future results, and should not be relied on as the primary basis for your investment decisions.

Flexible Plan provides free consultations to you to address (i) past results; (ii) any changes in your financial situation indicating a change in investment strategy; (iii) reasonable management restrictions or modifications; and (iv) your current investment objectives. These consultations are available upon request quarterly via telephone or in person at our offices.

Investment Profile Rating: Based on the suitability questionnaire provided by the Client, the rating can be in one of five categories: Conservative, Moderate, Balanced, Growth, or Aggressive. Clients should draw no conclusions from such titles. Rather, they are simply a way of designating the hierarchical ranking of FPI’s Profiles within a strategy. They are not meant to imply any ranking within some universal risk measure or benchmark, nor can they be equivalent to a Client’s subjective concept of the term.

Volatility Barometer: The S&P 500 and NASDAQ Indices, as well as the Investor Profiles, use the annualized standard deviation of the percentage change of the total return of those Indexes and the total return net of fees for the FPI portfolio provided in this Proposal. The standard deviation is calculated for a rolling three-year period to the end of the most recent month. Going forward, the standard deviation for the portfolio may differ, as may its relationship to that of the S&P 500 or NASDAQ Index.

OnTarget Monitor: The scale of the chart is logarithmic and is based on the investment time horizon provided in the Client’s suitability questionnaire response. For comparison purposes, the period may have been rounded up to the next five-year period and the maximum period shown is twenty years. Twenty years is also the period used if no time horizon was provided by the Client. The Monte Carlo Analysis begins with your last strategy change. The green pathway reflects the result of hundreds of Monte Carlo simulations drawing on the weekly strategy benchmark returns and the standard deviation calculated in the Volatility Barometer as described above, for the period from the start date of your selected portfolio (in no event less than five years ago). Based on these simulations, the upper-most line and targeted amount (represented with a blue field) was reached by 20% of the simulation outcomes and the second line (the bottom line of the green field) was equaled or surpassed in 80% of the outcomes, while the lowest (the top of the red field) was reached or exceeded in 90% of the outcomes. The Target Outcome amount reflects the minimum value achieved, after advisory fees, in 60% of the outcomes. A greater or lesser number of simulations may generate different results. The chart and the values utilized and set forth therein are for illustrative purposes only. Additions, withdrawals, extension or maintenance of the Time Horizon or strategy changes within a quarter will cause the chart to be redrawn and/or new targets and outcomes established.

Performance predictions depend on the accuracy of the data and information entered into the tool, the longevity of the data used in deriving the inputs into the process, and on other assumptions that may not be true for an actual investment account. For example, the Monte Carlo analysis is derived from benchmark data and does not contain fees and expenses. Predictions also assume that you will hold the proposed investments over the entire period shown, will not withdraw or add assets, and will not make different investments. Additionally, they assume that historical performance and risk of markets and investments will remain stable into the future. You should understand the methodology and assumptions used by the tool, including the use of benchmarks as surrogates for strategies. The Monte Carlo analysis in this tool does not favor any type of investment.

The results of Monte Carlo analysis rely on expected returns, and volatility statistics, that cannot be forecast with certainty. The basis for these assumptions in the OnTarget Monitor are the benchmark results for the individual strategies in the Client account. The Benchmark OnTarget Monitor is based on the assumptions of the individual benchmarks published for each strategy. Because Monte Carlo simulations create randomly generated scenarios, results will vary with each use over time. It is also impossible to foresee all possible situations, including some that may negatively impact a Client’s portfolio. Projections and other information generated by Monte Carlo simulations regarding the likelihood of investment incomes are prognostic in nature and do not reflect actual investment results, and are not guarantees of future results. Despite the limitations, Monte Carlo analysis is still a very powerful tool to test the probability, though not the certainty, of investment success.

NO GUARANTEE OF PROJECTED OUTCOME IS EXPRESSED OR IMPLIED

Unless otherwise noted, the returns utilized in creating the charts described above are prognostic returns and standard deviations drawn from the strategy benchmarks. As such, the performance results depicted have been produced by application of selected mathematical calculation criteria to historical price data. Annual returns are compounded weekly and are inclusive of the last full trading week of the year, but may not necessarily include the last trading day of the year. Actual investment performance of any portfolio may frequently be materially different than the results shown. Where returns or risk are referenced, the returns are the selected portfolio’s risk and return.

All expenses are required to be disclosed in each investment’s prospectus, available from your financial representative and the product provider. Various minimum-holding periods for each fund may be used to comply with trading restrictions. Fund or Advisor may change these periods. Actual investment performance of any trading strategy may frequently be materially different from the results shown.

Over time, enhancements have been made in our methodologies, which are believed to have had a positive effect on returns. The amount is not precisely quantifiable, but as actual price history is used, the effect of these enhancements is reflected. Continued development efforts may result in further methodology changes being made without notice.

Utilizing performance between selected dates may not be indicative of overall performance. Inquiry for since inception and model account results is always advised. Return examples given will vary based upon their volatility as they relate to the indices shown. Other accounts, investments, and indices may materially outperform or under perform. Various investments used may no longer be available due to the result of periodic review, consolidations, and/or exchange conditions imposed. Flexible Plan Investments is the subadvisor to the Quantified Funds, for which it is paid a fee. The Quantified Funds (Investor Class shares) are used by Flexible Plan as the sole building blocks for the Flexible Plan Self Directed Brokerage Account (SDBA) strategies. Advisory Fees are levied in an amount equal to the amount of fees received by Flexible Plan from the Quantified Funds. No further advisory fee will be levied by Flexible Plan directly against either the investments or the client in respect of Flexible’s services rendered pursuant to the client’s investment management agreement.

Advisors Preferred, LLC, serves as the SAF’s Investment Adviser and Flexible Plan Investments, Ltd., serves as the sub-adviser. Read the SAF Prospectus and Flexible Plan Investments’ Brochure Form ADV Part 2A and Part 3 (Form CRS) carefully before investing. You should carefully consider the investment objectives, risks, and the charges and expenses of the SAF before investing. The SAF’s SAI and Prospectus contain information regarding the above considerations and more. You may obtain a Prospectus by calling Advisors Preferred, LLC, at (888) 572-8868 or writing Advisors Preferred, LLC, 1445 Research Boulevard, Ste. 530, Rockville, MD 20850 or download the PDF from: www.goldbullionstrategyfund.com or www.quantifiedfunds.com.

Returns and portfolio values are provided for information purposes only and should not be used or construed as an indicator of future performance, an offer to sell, a solicitation of an offer to buy, or a recommendation for any security. Flexible Plan Investments, Ltd. cannot guarantee the suitability or potential value of any particular investment.

ADDITIONAL DISCLOSURES

Because Flexible Plan strategies make use of publically traded mutual funds and exchange traded funds, investors should consider carefully information contained in the prospectus of these investments, including investment objectives, risks, charges, and expenses. You can request a prospectus from your Financial Representative. Please read the prospectus carefully before investing. Investment value will fluctuate, and shares, when redeemed, may be worth more or less than the original cost.

Important Risks: Flexible Plan’s strategies are actively managed and their characteristics will vary among strategies. As a manager utilizing publically traded mutual funds and exchange traded funds, the strategy is subject to the risks associated with the funds in which it invests. Mutual fund and exchange traded fund values fluctuate in price so the value of your investment can go down depending on market conditions. International investing involves risks, including risks related to foreign currency, limited liquidity, less government regulation, and the possibility of substantial volatility due to adverse political, economic, or other developments. These risks are often heightened for investments in emerging/developing markets or smaller capital markets. The two main risks related to fixed income investing are interest-rate risk and credit risk. Typically, when interest rates rise, there is a corresponding decline in the market value of bonds. Credit risk refers to the possibility that the bond issuer will not be able to make principal and interest payments. Asset allocation strategies do not assure profit and do not protect against loss. Non-diversification of investments means that more assets are potentially invested in fewer securities than if investments were diversified, so risk is increased because each investment has a greater effect on performance and there may be more correlation of the fewer investments used. Investing in leveraged, or inverse funds entail specific risks relating to liquidity, leverage, and credit of the derivatives invested in by such funds, which may reduce returns and/or increase volatility.

Active investment management may involve more frequent buying and selling of assets. The majority of FPI’s strategies utilize no-load mutual funds with no transaction charge. Best efforts are employed to avoid short-term redemption charges, however, active managed strategies can still result in charges, especially when entering or exiting a strategy. Additionally, any commissioned investments will reflect the impact of more frequent buying and/or selling of assets. If investing within a non-tax-deferred investment, investors should consider the tax consequences of moving positions more frequently. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification cannot protect against all market risk.

Reference to popular market indexes are included to demonstrate the market environment during the period shown and are not intended as ”benchmarks.” Index returns are after dividends. Since Index dividends are posted after the end of each month, they are retroactively prorated on a daily basis (which tends to understate returns if the end date range is inclusive of the current partial month). The Dow Jones Corporate Bond Index includes fixed-rate debt issues rated investment grade or higher by national rating services. Investments by bond funds utilized in generating the above returns may not be similarly rated. The investment program for the accounts included in the profiles includes trading and investment in securities in addition to those that may be included in the S&P 500. Such indexes may not be comparable to the identified investment strategies due to the differences between the indexes' and the strategies' objectives, diversification, represented industries, number and type of component investments, their volatility and the weight ascribed to them. No index is a directly tradable investment.

ASSET CLASS RISK CONSIDERATIONS

US and Global Bonds: All investments involve risk. Special risks associated with investing in bonds include fluctuations in interest rates, inflation, declining markets, duration, call and credit risk. Special risks are associated with foreign investing, including currency fluctuations, economic instability, and political developments. Investments in developing markets involve heightened risks related to the same factors, in addition to those associated with these markets’ smaller size and lesser liquidity.

Commodities: Concentrating investments in natural resources industries can be affected significantly by events relating to those industries, such as variations in the commodities markets, weather, disease, embargoes, international, political and economic developments, the success of exploration projects, tax and other government regulations, and other factors.

US and Global Real Estate: Investments in Real Estate are subject to changes in economic conditions, credit risk, and interest rate fluctuations.

Global Currencies: Foreign currency exchange rates may fluctuate significantly over short periods of time. They generally are determined by supply and demand in the foreign exchange markets and relative merits of investments in different countries, actual or perceived changes in interest rates, and other complex factors. Currency exchange rates also can be affected unpredictably by intervention (or the failure to intervene) by U.S. or foreign governments or central banks, or by currency controls or political developments.

Long / Short Directional: Portfolio may invest in derivative investments such as futures, contracts, options, swaps, and forward currency exchange contracts that may be illiquid or increase losses due to the use of leveraged positions.

US and Global Equities: In addition to the foreign investment risks noted above, the principal risks associated with equities include market, portfolio management, and sector risks.

PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS

Inherent in any investment is the potential for loss as well as profit. A list of all recommendations made within the immediately preceding twelve months is available upon written request. Information used and cited is from sources believed to be reliable but Flexible Plan cannot guarantee its accuracy. Please read Flexible Plan Investments’ Brochure Form ADV Part 2A and Part 3 (Form CRS) carefully before investing.

PRIVACY NOTICE

The following notice is furnished to clients and prospective clients in compliance with SEC Regulation S-P: Flexible Plan Investments, Ltd. collects nonpublic personal information about Client or prospective clients from the following sources: (1) Information received from Client on applications, contracts or other forms; (2) Information about Client account transactions with us or others; and (3) personal data provided when using our websites. We do not disclose any nonpublic personal information to anyone, except to Client’s Agent(s) or as permitted by law. (We may disclose information in order to cooperate with legal authorities or to protect our rights and interest.) If Client decides to close accounts or otherwise become an inactive Client, we will adhere to the privacy policies and practices as described in this notice. Flexible Plan Investments, Ltd. restricts access to Client personal and account information to those employees who need to know that information to provide products or services to Client. Flexible Plan Investments, Ltd. maintains physical, electronic, and procedural safeguards to guard Client nonpublic personal information.

Flexible Plan Investments, Ltd. does not currently respond or otherwise take any action with regard to Do Not Track requests.

Ver.10/31/2022