Statement of Investment Policy

Statement of Investment Policy

Purpose

The purpose of the Statement of Investment Policy is to establish a clear understanding between the client and Frontier Investment Management Co. (Frontier) concerning the investment policies and objectives that pertain to the client’s account(s). This policy should not be construed as a contract, but rather as an outline for an overall philosophy that is specific enough to provide guidance for Frontier, yet flexible enough to allow for changes in the economy and/or securities market. The policy should provide documentation of client objectives and constraints and the allocation derived from the client objectives and constraints that attempt to meet the client’s goals.

Personal Information

Client Name	Co-Client Name
Phone Number	Phone Number
Email Address	Email Address
Verbal Password	Verbal Password
Password Hint	Password Hint

*Verbal password is for account verification purposes. Write “on file” if already on file.

Trust Accounts

Trust Name	Date of Trust
Type of Trust	Trust Tax ID
Trustee(s)
Beneficiaries
If Applicable. Decedent’s Name	If Applicable, Date of Death

Financials

Client/ Trustee/Entity	Co-Client/Co-Trustee/Entity
Annual Income & Tax Bracket	$	%	$	%
Primary Source of Income (i.e. W-2, pension, investments)
Net Worth (assets - liabilities for all account owners)	$	$
Total Liquid Assets (cash/easily converted to cash for all account owners)	$	$

*If client refuses to disclose, please indicate above - do not leave spaces blank.

Regulatory Questions

If adviser recommended rolling over your employee benefit plan under ERISA (includes IRA rollovers) client acknowledges the following were compared: fees/expense, investment options, services, rules and regulation differences (client initial) ________

Are you, your spouse, or any member of your household an insider (subject to blackout periods for trading)? Are you, your spouse, or any member of your household affiliated with a publicly traded company as a director, 10% or greater shareholder or policy-making officer?

Client/Trustee/Entity	Co-Client/Co-Trustee/Entity	Household Member
Define Insider: (i.e.) Director, 10% or greater shareholder, policy-making officer
Company Name
Symbol/Cusip

Do you want us to execute trades in your corporate stock? If yes, please complete below.

Client/Trustee/Entity	Co-Client/Co-Trustee/Entity
Job Title
Company Name
Symbol/Cusip

Please be advised that prior to executing a trade of securities issued by your employer, you will be asked to provide a written representation that you are not in possession of any material, non-public information. We will also request confirmation from your employer’s Human Resource Office or legal counsel advising whether such transaction is permissible.

Investment Profile

What is the primary purpose of the money you are investing with Frontier? (i.e. retirement, charitable or family gifting, etc.)

How long do you expect this investment to last? Of your total current investment assets, what percentage will Frontier have trading/management authority over? %

Please Note: Frontier shall not be responsible for monitoring that portion or percentage of your current (or future) investment assets for which Frontier will not have trading/management authority.

Of the investment assets that Frontier will manage, what is your anticipated withdrawal rate?

%

Select your primary investment objective:

Investment Restrictions/Other Important Information (if none indicate N/A):

Client/Trustee/Entity	Co-Client/Co-Trustee/Entity
Cash Reserve	$	$
Tax Considerations (Net Operating Loss, Capital Loss Carry Forward, etc.)
Excluded Assets - No Monitoring	Ticker/Cusip:	Ticker/Cusip:
Do Not Buy	Ticker/Cusip:	Ticker/Cusip:

Additional unique circumstances (i.e. client wants to take more risk than advised, wants to hold significant cash, desires to dollar cost average, prefers muni bonds over taxable bonds, etc.)

Please Note: Unless you indicate to the contrary in the spaces directly above, we will assume that there are no restrictions on our services, other than to manage the account in accordance with your designated investment objective.

Risk Profile

The following represents your aggregate objectives for what Frontier will manage. The assets that Frontier manage could be comprised of multiple accounts, all of which, when viewed in the aggregate, reflect your overall objective/goal/restrictions.

Indicate your primary investment objective for your accounts:

An investment portfolio with a conservative objective is characterized by substantial risk aversion. A conservative portfolio may be appropriate for persons with a relatively short time horizon, with a need for more predictable income or, notwithstanding a longer time horizon, with a high sensitivity to short-term volatility. Over time portfolios with a conservative objective can be expected to produce low average total returns on investment but have relatively low volatility.

Investors with a moderately conservative objective seek current income with a secondary focus on capital appreciation. Minimizing volatility is still prioritized over growth. Conservative/Moderate investors may have a short to intermediate time horizon, and seek modest capital appreciation with dampened volatility.

Balanced portfolios typically exhibit moderate growth of capital while simultaneously dampening volatility. Many holders of balanced capital appreciation portfolios have a long-term time horizon and will experience some short-term volatility to achieve higher long-term returns.

Investors with a moderately aggressive objective seek capital appreciation and have a secondary focus on current income. Growth is prioritized over capital preservation, and high short term volatility is expected over a longer time horizon. Investors have a long-term time horizon (at least five years’ time).

A growth portfolio provides the highest reasonable long-term total returns on investment and, at the same time, the greatest short-term capital risk. Growth investors are aware of, and comfortable with, the volatility that high-return asset classes may produce over the short run. Investors in growth portfolios have a long-term time horizon and is comfortable with high short-term volatility.

Recommendation

Based on the stated objectives, time horizon, risk tolerance and constraints, Frontier will utilize the following strategy(ies) for your accounts:

Account Description	Account Number	Strategy

The responses set forth on this investment profile strategy are intended to elicit information from you to assist in identifying your investment needs, objectives, and risk parameters and shall confirm your investment objective and any corresponding investment-related restrictions upon which Frontier will rely in managing your account(s) until you advise Frontier, in writing, to the contrary.

Signatures

__________________________________________________	Date: ____________

Client/Trustee/Entity Representative

__________________________________________________	Date: ____________

Co-Client/Trustee/Entity Representative

FRONTIER INVESTMENT MANAGEMENT COMPANY

__________________________________________________	Date: ____________

Advisor