Preferred Broker

---

FOLIOfn

FOLIOfn was founded in 1998 by Steven Wallman, a former commissioner of the U.S. Securities and Exchange Commission (SEC) who was widely recognized during his tenure as an investor advocate for his efforts on behalf of individual investors.

FOLIOfn, Inc. is an innovative brokerage and investment solutions company serving individual investors, financial advisors, and financial institutions around the world. FOLIOfn offers its leading-edge brokerage services on both a full-service basis and a technology-licensed basis. Through its wholly-owned, registered clearing broker-dealer subsidiary, FOLIOfn Investments, Inc. (member, FINRA/SIPC), the company offers an integrated brokerage and technology platform featuring its patented, state-of-the-art Folio trading capability, as well as execution, clearance and settlement services.

FOLIOfn currently holds approximately 10 patents for its unique trading system that facilitates the economical trading and easy self-management of entire portfolios of stocks that is not available through any other online or traditional broker. These patented processes utilize "Basket Trading" of stocks traded twice daily in two pre-scheduled "Trading Windows". In addition this system allows the purchase and trading in dollar amounts and ownership of "Fractional Shares".

Through FOLIOfn's patented trading platform, using In The Black Investing's cash-flow portfolios couldn't be easier. You can now set up your own personal account (Folio) and through your subscription to the Retirement Solution keep it up-to-date using FOLIOfn as the flat fee, unlimited commission-free brokerage services provider.

Using the FOLIOfn trading platform, In The Black Investing members enjoy the benefits of a platform that encourages long term investing with greater diversification. This diversification comes as a result of FOLIOfn's "basket trading" concept that allows for the purchase and or update OF our entire portfolio of stocks in a single transaction almost as easily as trading a single stock.

You could use your own broker or investment advisor to purchase and manage your In The Black Investing cash-flow portfolios, but we recommend FOLIOfn as the primary choice for self-management because of our specialized technical arrangement with FOLIOfn, wherein our Portfolios are posted and maintained for our subscribers in their unique, patented trading system.