FERGERSON FiNANCiAL LLC

The criteria used to select and monitor investment options are as follows:

• Inception Date - The investment must have at least a 3 year track history.
• Manager Tenure - The investment manager must have at least a 2 year track history.
• Assets - The investment must have at least 75 million under management.
• Composition - The investment's allocation to its primary asset class should be greater than or equal to 80%
• Style - The investment's current style box should match the peer group.
• Prospectus Net Exp Ratio - The investment must place in the top 75% of it's peer group.
• Alpha - The investment must place in the top 50% of its peer group.
• Sharpe - The investment must place in the top 50% of its peer group.
• 1 year return - The investment must place in the top 50% of its peer group.
• 3 year return - The investment must place in the top 50% of its peer group.
• 5 year return - The investment must place in the top 50% of its peer group.

The fi360 Fiduciary Score is a quantitative evaluation of how well a fund meets a minimum set of due diligence criteria defined by fi360 to reflect prudent fiduciary management. The fi360 Fiduciary Score Quarter is calculated on a quarterly basis for every mutual fund and ETF with at least 3 years of history using the criteria above. Each fund's specific share class is evaluated against the thresholds and point system identified in the fi360 Fiduciary Score Average, also calculated on a quarterly basis, is a three year rolling average of a fund's quarterly Scores. If the fund does not have three years worth of Scores, all available historical quarterly Scores are used to calculate the Average Score.