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BEFORE INVESTING IN A FUND THE FOLLOWING SHOULD BE CAREFULLY CONSIDERED: <br />• INVESTMENT GOALS, TOLERANCE FOR RISK, INVESTMENT TIME HORIZON, AND <br />PERSONAL FINANCIAL CIRCUMSTANCES; <br />• THERE IS NO GUARANTEE THAT A FUND WILL MEET ITS INVESTMENT OBJECTIVE; <br />• PAST PERFORMANCE DOES NOT INDICATE OR GUARANTEE FUTURE PERFORMANCE; <br />AND <br />• AN INVESTOR CAN LOSE MONEY INVESTING IN THE FUNDS. <br />VantageTrust 11 Funds <br />Disclosure Memorandum <br />2016.01.13 -2- <br />