Jacob Franois

Industry Tenure:

22 years

Entrepreneur:

13 years

Education:

Boston University, B.A in Economics

Roosevelt University, M.B.A in Finance

An entrepreneur and MBA, Jacob Franois

possess over 22 years experience in the
financial services industry. His experience has
developed him into a results-oriented
professional with significant and progressive
experience in sales, business development
and portfolio management. He is an individual
who is a pro-active self-starter with a work
ethic of personal responsibility, ownership of
work and decision-making, and has a
reputation for removing obstacles and making
things happen.
His formal education includes a Bachelor of
Arts degree from the Boston University
College of Liberal Arts in Economics, a
Master of Business Administration with a
specialty in Finance from Roosevelt
University and an Entrepreneurial
degree from Purdue University.

This fund invests primarily in small companies with market capitalizations of less than $5 billion at the time
of purchase. We look for companies whose stocks we believe are undervalued but have significant potential
for price appreciation. The Small Cap Value portfolio may hold up to 25% of its total assets in cash as well
as in foreign securities. The fund may also invest in growth companies if we believe the valuation is
sufficiently discounted from the projected long-term earnings growth rate to warrant a small cap
appreciation strategy.

An experienced management team with a substantial stake in the companys future

New products/services that may increase revenue and market share

Low valuation as measured by P/E, price-to-sales ratio, etc.

Catalysts for improved earnings growth

Potential to generate improved financial performance

This Growth stock mutual funds primarily invest in growth stocks, which are stocks of companies
that are expected to grow at a rate faster in relation to the overall stock market.

Value stock mutual funds primarily invest in value stocks, which are stocks that an investor
believes are selling at a price that is low in relation to earnings or other fundamental value
measures.
Objective Biotech Fund
Seeks capital appreciation.

Strategy
Investing primarily in companies engaged in the research, development, manufacture, and distribution of various
biotechnological products, services, and processes and companies that benefit significantly from scientific and
technological advances in biotechnology. Normally investing at least 75% of assets in securities of companies
principally engaged in these activities. Normally investing primarily in common stocks

Investment Objective

The fund seeks long-term growth of capital.

Strategy

The fund will normally invest at least 75% of net assets in the common stocks of companies
expected to benefit from the development, advancement, and use of science and/or
technology. Companies in industries such as electronics, communications, e-commerce,
information services, life sciences, media, environmental services, chemicals, synthetic
materials, defense, and aerospace are likely to be in the portfolio.

Investor Profile

Individuals who seek an aggressive approach to capital growth and who can accept the risk
of loss inherent in common stock investing.
The Funds Investment objective is to replicate and or exceed the performance of the
Nasdaq 100 index