Client Profile Disclosure

Please Note: Limitations: Scenarios described are hypothetical – not involving an actual Arbor Investment Advisors (“Arbor”) client. These illustrate the hypothetical experience of a fictitious client based on a scenario that an actual client might experience. The scenario is designed to help illustrate how Arbor might provide services to similarly situated clients. Keeping in mind that no two clients, situations, or experiences are exactly alike, the scenarios should not be construed as an endorsement of Arbor by any of its past or current clients, nor any assurance that Arbor may be able to help any client achieve the same satisfactory results. To the contrary, there can be no assurance that a client or prospective client will experience a certain level of results or satisfaction if Arbor is engaged, or continues to be engaged, to provide investment advisory services. A copy of our current written disclosure brochure discussing our advisory services and fees continues to remain available upon request or at www.arborinvest.com.