The Horizon™ Lifetime Subscription Fee Refund Guarantee

Compass Investors provides its subscribers with two unprecedented subscription fee return guarantees. No other advisory service we know of offers any guarantees. Only Compass Investors can, and does.

Following your 5th anniversary of becoming a subscriber, the value of the Horizon™ investment made on January 1st of the year you enrolled will always be greater than one of the following two investment alternatives. And if it is not, you may cancel your subscription and receive a full refund of the prior year's fees.

• Guarantee #1: a Plan Index (PI) investment*, and
• Guarantee #2: the Plan's best Formulaic Asset Allocation (FAA)** investment

Definitions

• * Plan Index (PI). The return from an equal distribution of your dollar balance, reallocated each Action Report period, into each of the available fund choices. The Plan Index is essentially the average return of the available funds.

• ** Formulaic Asset Allocation (FAA). If your plan includes a Formulaic Asset Allocation (FAA) fund (e.g., Life Style, Life Cycle, Life Stage, Balanced, Target Date Retirement, Balanced, etc.) then the performance of the domestic FAA fund in your Plan that had the best return during the year prior to the start of each guarantee period. Otherwise, the performance of a 70/30 Equity/Fixed Income mix of the best performing funds in your Plan during the year prior to the start of each guarantee period.