Adagio Trust Company

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Dunham Trust Company - a Nevada Trust Company

Dunham Trust Company is a privately held trust company founded in August, 1999. It is licensed and regulated by the State of Nevada, Department of Business and Industry, Financial Institutions Division.

As an affiliate of Dunham & Associates Investment Counsel, Inc., Dunham Trust Company offers traditional trust services including asset protection, special needs trust, administration, probate services, succession planning and charitable giving, to name a few of its services.

Founded in 1985, Dunham & Associates Investment Counsel, Inc. features a family of public mutual funds with performance-based Sub-Adviser compensation, also commonly known as fulcrum fees. Allocation portfolios are available individually or as part of a turnkey asset management program.

Dunham & Associates is driven by performance and we believe client fees should be tied to returns measured against applicable benchmarks. Thats why we tie the compensation of our Sub-Advisers and ourselves to the success of your investments wherever possible.*

Investors should consider the investment objectives, risk factors, charges, and expenses of the Dunham Funds carefully before investing. This and other important information is contained in the Fund's summary prospectus and/or prospectus, which may be obtained by contacting your financial advisor, or by calling toll free (800) 442-4358. Please read prospectus materials carefully before investing or sending money. Investing involves risk, including possible loss of principal.

* Some Sub-Advisers may receive minimum compensation regardless of whether or not an established performance benchmark is met or exceeded. Member FINRA/SIPC.