Average Annual Return² as of December 31, 2011

Cumulative Total Return as of January 31, 2012

¹Inception date of 10/95.

²Average annual total returns are adjusted for any applicable fund fees.

³Cumulative Return (10/01/2011 - 12/31/2011)

⁴The Adviser has voluntarily agreed to cap the total annual gross expenses of the Fund at 1.92% (on an annualized basis) of the Fund's average daily net assets. The Adviser may discontinue this cap on total expenses at any time, at its sole discretion.

Performance data quoted represents past performance and does not guarantee future results. Investing involves risk, including possible loss of principal.

Average annual total return and total return figures reflect the reinvestment of dividends, capital gains distributions, all fee waivers and expense reimbursements. Fund annual operating expenses net of Advisory fee waivers as of January 28, 2009 are 1.63%. Fund performance reflects waiver of fees and reimbursement of expenses by the investment advisor. Without the absorption of fee waivers and expense reimbursements, total return figures would have been lower. The investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than the original cost. Current performance may be higher or lower than the performance quoted. Call 800-304-6552 for current month end performance.

For more complete information, including management fees, general and fund specific investment risks, and expenses call The Holland Balanced Fund at 800-304-6552 or complete an online order for to receive an investor information kit. Alternatively, you may view the prospectus , which contains more information on fees and expenses, online . Read it carefully before you invest or send money.

Cummulative Return: aggregate amount that an investment has gained or lost over time, indicative of performance of time involved. Dividends included in cumulative return.