Investor Education

9. Summary

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The Steps to Smart Investing

Invest for the long-term.
Start early and enjoy the potential rewards of compounding.
Invest regular- even small amounts have the potential to add up over time!*
Evaluate your investment goals based upon your acceptable level of risk and select an expected rate of return that will work best for you.
Gain an understanding of market risks and then evaluate your own risk tolerance level.
Develop an adequately diversified investment strategy that meets your financial goals within your risk/reward spectrum
Use a tax-deferred savings vehicle - you will thank yourself later.
Know your financial situation before you start planning your retirement.

Use your knowledge to make the most of your investment savings!

*Dollar cost averaging does not insure a profit and does not protect against loss in declining markets. An investor should consider his or her financial ability to continue making additional investments through periods of low share price levels.

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Before investing, please read the Fund's prospectus and shareholder reports to learn about its investment strategy and potential risks. Mutual Fund investing involves risk including loss of principal. An investor should also consider the Fund's investment objective, charges, expenses, and risk carefully before investing. This and other information about the Fund is contained in the fund's prospectus, which can be obtained by calling 1-800-662-4203. Please read the prospectus carefully before investing.

Distributed by Northern Lights Distributors, LLC, member FINRA.
Northern Lights and the Funds' Adviser, Tributary Capital Management, are not affiliated.

1129-NLD-8/4/2010