“Money is a willing worker.

It is
ever eager to multiply when
opportunity presents itself.

This is your opportunity!”

CURRENT INVESTMENT WORLD
Over the last year many investors and hard working Americans have lost thousands
of dollars from investment scams, falling mutual funds, the credit crash, and dis-
honest money managers. The list continues to grow at a rapid pace. Just turn on the
news and you will find headline after headline about how you are losing money.

People have lost the bulk of their 401K

accounts and, to make matters worse, the Robyn Credico, a leading consultant
housing market has collapsed forcing on pensions, told the Wall Street
many Americans into Bankruptcy. It is Journal this week, "This is the big-
time for all to take a control of their own gest test that the 401(k) plan has seen
finances.
to date, and it has failed." LA Times
Currently Americans are scared and are
willing to accept returns of .5% by placing money in money market accounts, or
worse, under their mattress. A large portion of Americans are hanging onto their
losing 401K programs hoping some miracle will happen and their nest egg will be
returned to par. But most do not understand that if you have suffered a loss of 50%
of your portfolio you would need a 100% return just to break even. The odds of
that happening are slim to none, unless, you become proactive.

Major problems with 401ks, Mutual Funds, Pension

Plans, and Annuities!
Year in and year out more than 80 Percent of all professional money managers lose
to the market averages. Whether you’re looking at a five, ten, fifteen, or twenty-
year period, open end equity funds can’t break that 80 Percent underperformance
barrier. Yet the majority of Americans continue to thrust their hard earned cash
into a system that has a 20% chance of beating the odds. Consider, then, that every
time you drop a dollar of your savings into a
pond of mutual funds, there’s a four-in-five “Older Americans are watch-
chance your money will underperform the mar- ing their retirement savings
ket’s average growth. evaporate as the economy
slumps and the stock market
Another devastating fact is that these funds are falters. John Hansen, 54, has
too big to understand. You can’t see the busi- lost 35% to 40% of his 401(k)
ness in which you’re investing. And when you
savings and, like many close
can’t see what’s going on with your money, it
doesn’t matter how smart you are, you can’t to retirement, says he has few
evaluate a fund’s holdings or its strategy. You options.” USA Today
can only put your money in and take your
chances.

Mutual Fund Managers would have you believe that a fool and his money are soon
parted. They “the wise” are paid large fees from your money to underperform.
They go around in their expensive suits and gold cuff links to impress their clients,
Swiss watches to convey the importance of their time, and other similar displays
designed to impress and intimidate their customers.. Ah the many splendored to-
tems of those who are paid too much to make too little. Your Money and future are
important that is why it is time you take your future into your own hands.
WHY LUCID?
Lucid provides financial solutions for investors who are tired of everyday funds with
everyday returns. Our products and services are designed to help people take control
of their financial lives. Lucid has produced 2 exceptional strategies to cater to each
individual portfolios need. Between the traders we have well over 25 years experi-
ence trading the options and forex markets. We pride ourselves in maximizing our
client’s returns. You will not find any unexpected fees hiding behind asterisks be-
cause you are the one in control of your account. If you do not like the way we trade
then you can close the account with a simple phone call. You are in control of your
finances, not us. While trading with Lucid ,you can enjoy a personal relationship
with the traders and we are always a simple phone call away. We are committed to
putting our full force and strength to maximizing the return for our clients.

CLIENTS BENEFITS WHEN TRADING WITH LUCID

 Great Track record and YOU CONTROL YOUR FUNDS.
 Diversification in all markets/ You choose what program you would like
 You are able to check your accounts daily.
 Lucid is always a phone call or email away.

MISSION, VISION, AND VALUES

Our Mission: Make positive returns
Our Vision: Create a top performing fund where
investors can take control of their own finances
Our Values: Honesty, hard work, education, win-
ning,

RISK MANAGEMENT
(2 STRATEGIES)
Wise investors are fully aware of the past pitfalls
and “Ponzy” schemes, bad investment decisions,
and lousy trade advice that occurred in the past
years on Wall Street. To address these concerns,
Lucid Financial has created an avenue for inves-
tors to control their money at all times while al-
lowing a professional trader to trade the funds.
Lucid has an Investor Qualification Process with
each client to ensure that the trade strategy
matches each individual’s current situation. We currently have three different trade
strategies in place to fit each and every client’s needs. These strategies do use pro-
tections like stop losses, hedging, and sub-accounts to fully protect your money from
large draw-downs. We feel these strategies best meet investors’ criteria for an effec-
tive balance of growth and risk.

“Money is only a tool. It will take you wherever you wish, but it will not
replace you as the driver. You must learn to take the wheel and get to
the destination of your desire.” Ayn Rand
STRATEGY 1: Correlation (FOREX)
This strategy is one of my favorite and uses Randomness to combat the random-
ness of the markets. Currency pairs move in correlation to one another which can
be used to make great gains. Correlation trading strategies are primarily preva-
lent in other financial markets but are rather unorthodox in FOREX. Lucid took
some of the basic theories and concepts of correlation trading and developed
strategies to cater to the FOREX markets that have attributed to success every
year.
STARTED: January 2009 (history since 2004)
AVERAGE MONTHLY RETURN: 12%

STRATEGY 2: Forex with Options (FOREX and Options)

This strategy combines foreign exchange currency pairs with proactive trading
movements and Options. The performance enhancement and risk reduction bene-
fits of incorporating managed Forex and options in one’s investment portfolio has
been well documented. Need we say more?
STARTED: April 2008
AVERAGE MONTHLY RETURN: 11%

WHY INVEST?
Why? To outperform! There’s no reason to invest in anything unless you believe
that by doing so you can out do the uneventful 5% in compounded growth you’ll
get via a mutual or pension fund. We do not think you’ll outperform the market
without taking matters into your own hands. The unfortunate thing, of course, is
that these are just the sorts of unstudied dice rolls that thousands of greenhorn
investors casually toss each year. All it takes for some is a few moments of
weakness on the line with a jelly-voiced broker. This isn’t investing, of course,
it’s gambling-an excellent long-term approach to losing money.

No one on the institutional side of the financial markets is going to suggest that
you can consistently outperform the markets without hard work and great effort.
Mutual funds and pension funds don’t generate high commissions by telling their
clients to take matters into their own hands. If you choose to go out on your own,
learn to take control of your own funds, and place them where you want to place
them, you will be able to enjoy the excitement that comes with watching your
funds outperform the markets day in and day out.
Percent Allocation Management Module (PAMM)
The Percent Allocation Management Module (PAMM) is a technical solution pro-
vided to Forex Clients and allowing them to have their accounts managed by a
trader appointed by them on the basis of a limited trading power of attorney.
PAMM solution allows the trader (Lucid) on one trading platform to manage simul-
taneously unlimited quantity of managed accounts. Depending on the size of the
deposit each managed account has its own ratio in PAMM. Total sum of all ratios
under one PAMM account is always equal to 100%. By using this system the client
has total control over their funds and has the ability to block trading activity any-
time.

THE CLIENT Power of Attorney

$5,000

LUCID
Master Account
(PAMM)

35% Performance
FEE

Investor opens an account with FXCM (the broker) and wires in funds to fund
their account

Lucid gains power of attorney from client to trade the funds in the account and
fee agreement is signed. This power of attorney only allows us to trade the funds.

Client Accounts are attached to Lucid’s Master account using PAMM.

TRADING BEGINS IMMEDIATELY.

Around the 25th of each month the 35% trading fee is pulled. (Lucid Fund DOES
NOT share in profit until the investor has a profit. We are paid on gains only
which are calculated on a monthly basis)

Clients have total access to their accounts thus providing them with the maximum
amount of control. The Client can close out the account, check daily balances and
trades, take profits, pull cash out, or change investment strategies.
PERFORMANCE HISTORY
Although Lucid did not come into the FOREX markets until 2006. Our Traders have
been involved with FOREX since 2002. The Correlation Fund is our most prominent
Fund and has experienced exceptional growth. Past Results do not indicate future
performance and although we have had and exceptional return we want to remind
everyone that FOREX may not be suitable for all investors. When the markets
crashed in August 2008 we experienced our biggest draw down, but we were able to
recover by years end.

Trading foreign exchange on margin carries a high level of risk, and may not be suitable for all investors. The high degree of
leverage can work against you as well as for you. Before deciding to trade foreign exchange you should carefully consider
your investment objectives, level of experience, and risk appetite. The possibility exists that you could sustain a loss of some
or all of your initial investment and therefore you should not invest money that you cannot afford to lose.

Correlation Fund Trader

Shaun Reiffenstein (TRADER) is a full time trader and has been for the last
8 years. He grew up in Canada and worked there for some time in the credit and col-
lection industry. He is currently 40 years old and has a university education. He left
the university in his last year after signing a professional wrestling contract. For the
next 6 years he traveled and wrestled all around the world. An injury and contract
dispute brought his wrestling career to an end in about 1994. Shortly thereafter he
returned to Canada and began working in the Credit and collection industry. His ca-
reer progressed for several years where he held regional management position with a
national agency in Toronto and finally ended up starting his own business. It was at
this time that Shaun discovered the power of the forex markets and he also discovered
his hidden talent for trading. His future took on a knew direction that would unlock
many different doors of opportunity.

Shaun came upon FOREX trading back when there was very little information avail-
able and very few brokers for that matter. He dabbled in trading part time believing
there was incredible potential with the right approach. After several months of trad-
ing he met with a business associate and friend who was a trader with a national bank
in Canada. Shaun began to study and learn about the methodology and trading tech-
niques that this bank used pertaining to the FOREX market. This is where the Corre-
lation trading style and technique took root.
He traded for a few years with his money and a couple of individuals until his talent
was discovered in 2004 when he returned a whopping 1300%. Thereafter Shaun
brought on more funds and was often times contracted out by large managed accounts
to help steer them out of large draw downs with the Correlation technique.

WHAT IS FOREX?
If you’ve travelled to another country, you probably had to exchange your “native”
currency for that of the country you were visiting. Typically, one currency does not
have an equal exchange rate value to another. Whenever you convert currencies, one
is weaker (has less value) while the other is stronger (has more value). In FOREX
trading, you can take advantage of this difference by trading currency pairs. For ex-
ample, you might buy one currency, such as the EURO, while simultaneously selling
your DOLLARS. As the value of these currencies changes in response to news and
other events throughout the day, you can find profit potential in those exchange rate
differences. Unlike other financial markets like the New York Stock Exchange, the
FOREX spot market has neither a physical location nor a central exchange. The
FOREX market is considered an Over-the-Counter (OTC) or 'Interbank' market, due
to the fact that the entire market is run electroni-
cally, within a network of banks, continuously
over a 24-hour period.

Until the late 1990's, only the "big guys" could

play this game. The initial requirement was that
you could trade only if you had about ten to fifty
million bucks to start with! FOREX was originally
intended to be used by bankers and large institu-
tions - and not by us "little guys". However, be-
cause of the rise of the Internet, online FOREX
trading firms are now able to offer trading ac-
counts to 'retail' traders.

THREE ADVANTAGES OF TRADING FOREX

There are many benefits and advantages to trading Forex. Here are just a few reasons
why so many people are choosing this market:
1. Leverage: There is no other market in the world that provides you with the lever-
age capabilities like FOREX. They offer up to 400:1 leverage. Meaning, for
every one dollar we trade it can be leveraged 400 times.
2. Volatility: Volatility is one of the factors that draws many traders to the FOREX
markets. It offers great profit opportunities for those willing to take the time to
carefully study both the technical and fundamental aspects of market movements.
3. 24 Hour Market: The spot FX market is unique within the world markets. It’s
like a Super Wal-Mart where the market is open 24-hours a day. At any time,
somewhere around the world a financial center is open for business, and banks
and other institutions exchange currencies every hour of the day and night with
generally only minor gaps on the weekend. The foreign exchange markets follow
the sun around the world, so you can trade late at night (if you’re a vampire) or in
the morning (if you’re an early bird).
HOW TO SET UP ACCOUNTS
When you open an account with Lucid you will be directed to open an account with
one of the following three brokers. In trading, it is extremely important that you find
the right broker that will cater to your funds needs. Each broker has advantages and
disadvantages but our relationship with our brokers has helped overcome these is-
sues. Dukascopy is our broker of Choice when I comes to the Forex Markets and
Think or Swim is used when you enter the Forex With Options Fund. These bro-
kers have been very good to us and are standing by ready to help with what ever
questions you might have when opening an account. They will walk you through
the process to open a new account.. Here are the steps:
1. Identify the broker (Dukascopy or THINK OR SWIM)
2. Go to their website (each website has a link to open an account)
3. Locate the link “Open an account”
4. Fill out the paperwork from the broker and Lucid
5. Fund the account
6. Trading begins

WHY TRADE AT Dukascopy (forex)

Dukascopy is one of the largest and most aggressive price providers. They trade an
average of over $365 billion in notional volume each month. Dukascopy does not
take a market position-eliminating a major conflict of interest. A dealing desk bro-
ker, which acts as a market maker, may be trading against your position. With their
No Dealing Desk execution, prices are not subject to manipulation by a broker or a
banks dealing desk.
Website: www.dukascopy.com

WHY TRADE AT THINKORSWIM (forex and options)

Thinkorswim was rated #1 overall online broker, “best for frequent traders,” and
“best for options traders” in Barron’s ranking of online brokers. There cannot be
enough good said about thinkorswim when it comes to option trading. They lead the
industry in so many categories and their customer service is among the best.
Website: www.thinkorswim.com

WHAT TO EXPECT WHEN TRADING BEGINS

Once you have funded your account and trading begins, we invite you to sit back,
relax, and allow your money to grow. The market is not something that can be taken
lightly and for many people the market will claim them as victims. For some of you
this new power over your investment might be a little overwhelming and you will
have a tendency to check the account every hour on the hour to see what is happen-
ing DON’T! The trading game can become extremely emotional with the daily,
weekly and monthly swings on your accounts. Some clients love to check the ac-
counts on a daily basis and others check the accounts every few weeks. There is not
a set time when you should check the accounts but be careful of your emotions. Do
not lose sleep nor get overly excited by the fluctuations in the accounts. The law of
averages will work in your favor and we are more than confident you will be pleased
with the growth of your accounts. So far our average returns are 9% to 13% on a
monthly basis.
DRAWDOWN (beware of your emotions)
A drawdown is the reduction in account equity from a trade or series of trades. These
are what cause many investors to become extremely emotional and panicked during
the trading month. Although Lucid does not enjoy a drawdown, and we do all in our
power to prevent them, we understand that they are part of the game and expect an
occasional drawdown to happen. All accounts will experience a drawdown sooner or
later which might last a few minutes to several
weeks. As traders we are comfortable with a draw-
downs, but we know and understand that many of
you might go into a panic, your heart may stop, and
the fear of losing money will over take you. Do not
do anything rational at this time and certainly do not
allow your fears to take action. You will find that
this is the hardest part about trading and we do not
want our clients hitting the panicking button every
time they experience a drawdown. That is our job!
Please call us immediately if you begin to feel this
way. We are here to help and have experienced
these things time and time again. We have years of
experience in trading our methods. They work and
they will work for you as long as you give them the
time they need to produce great profits. Now that we have thrown out the drawdown
disclaimer, let us talk about gains!

GAINS
Just like you can expect a drawdown you can expect large equity gains in your ac-
count. Gains can be just as much of a problem for clients as a drawdown can be.
Some clients, will deposit funds and have an immediate 20% month gain on their
equity. They will feel like they have arrived at the city of Richistan and life has now
provided them with a luxury of wealth. Many of you
might have the tendency to go out and spend the
money even though it is just a paper gain DON’T!
Do all that you can to let things grow and compound
over the next few months. Once you get the feel for
how we trade and you see what goes on with the
accounts feel free to pull the profits and spend them
however you would like. We just feel it is our duty
to warn you against all emotions. They are part of
trading and are the cause of so many lost fortunes.

On the flip side, higher returns open up new worlds

for investors, whether that means a new career, ex-
tended travel abroad, a chance to buy some time for
more creative, less profitable ventures, more hours to
spend with the family, the opportunity to pursue charitable works, or just a chance to
blow a lot of money buying up merchandise offered on late-night TV. Prosperity
leads to opportunity, and opportunity to prosperity.
QUESTION AND ANSWER
Q. What is the Minimum investment amount to participate in the Managed Accounts
A. $5,000 (we do consider lower amounts based on certain criteria.)

Q. What is Lucid’s Performance Fee?

A. Lucid Charges a 35% performance on a monthly bases. (High Water Mark mean-
ing when there is a draw down we have to get the account back up to par before a
performance fee can be taken)

Q. Can I withdraw my funds or does it have to sit there for a certain period of time?
A. You can withdraw your funds at any time we do not have restrictions or control
over your funds. However we do recommend that you wait until the account is
flat.

Q. Are Managed Accounts Risky?

A. Yes they are. Managed Accounts are not your typical investment and they are
not for everyone out there. Although we have a great track record and a lot of
experience there is risk in all investments.

Q. Do I wire the funds to Lucid?

A. No you will set up your very own account with FXCM or Think or Swim. They
will then connect you to our managed account. Remember that we do not have
control over your funds. We just trade them.

Q. How long does it take to set up an account?

A. Plan on a 6 to 10 days to set up your account. Once you have funded your ac-
count trading beings.

Q. How long has Lucid been in the Forex Markets?

A. The Traders have 10+ years in trading Forex and Options. Lucid came into the
Forex Markets about 5 years ago. The combine years of experience is 28 Years.

Q. What has been your biggest drawdown?

A. Our biggest drawdown occurred when the market collapsed back in 2008. We
experienced a 85% Draw down yet we finished the year up over 300%. Our big-
gest drawdown in 2009 was 16%
THANK YOU
We wish to thank you for taking the time to consider Lucid as part of your investment
portfolio. We are here to help and know that this journey you are about to embark on
will be full of excitement, profits, and satisfaction. We love to do business with good
people who have the same goals we have of long term expectations of profits. We
approach the management of money with composure, patience, and logic and hope
that our clients will do the same.

The forex, stock market, and options market, while volatile, has provided and will
continue to provide the best annual returns of any investment vehicle, by a large mar-
gin. That's because it will always offer investors the best, most liquid opportunities at
capitalizing on the greatest business growth opportunities available in the known gal-
axy. Taking advantage of these situations and committing yourself to long-term pros-
perity, come hell or high water in the near term—all of these will contribute to the
great financial and emotional reward associated with taking matters into your own
hands and becoming investors with Lucid

LUCID (lu ' sid) easy to perceive or understand; mentally clear;

concise; brilliant; rational; shining; luminous; crystal clear.

THE WAY FINANCES SHOULD BE.........LUCID

DISCLAIMER
Trading foreign exchange on margin carries a high level of risk, and may not be suitable for all investors. The high
degree of leverage can work against you as well as for you. Before deciding to trade foreign exchange you should care-
fully consider your investment objectives, level of experience, and risk appetite. The possibility exists that you could
sustain a loss of some or all of your initial investment and therefore you should not invest money that you cannot afford
to lose. You should be aware of all the risks associated with foreign exchange trading, and seek advice from an independ-
ent financial advisor if you have any doubts. DO NOT TRADE MONEY THAT YOU CAN NOT AFFORD TO LOSE.
There are risks associated with utilizing an Internet-based deal execution trading system including, but not limited to, the
failure of hardware, software, and Internet connection. Since Lucid does not control signal power, its reception or routing
via Internet, configuration of your equipment or reliability of its connection, we cannot be responsible for communica-
tion failures, distortions or delays when trading via the Internet. By Viewing any material or using the information within
this site you agree that this is general education material and you will not hold anybody responsible for loss or damages
resulting from the content provided here by whylucidfx.com or any of the forum members Futures, options, and spot
currency trading have large potential rewards, but also large potential risk. You must be aware of the risks and be willing
to accept them in order to invest in the futures and options markets. Don't trade with money you can't afford to lose. This
broucher is neither a solicitation nor an offer to Buy/Sell futures or options. No representation is being made that any
account will or is likely to achieve profits or losses similar to those discussed on this website. The past performance of
any trading system or methodology is not necessarily indicative of future results. CFTC RULE 4.41 - HYPOTHETICAL
OR SIMULATED PERFORMANCE RESULTS HAVE CERTAIN LIMITATIONS. UNLIKE AN ACTUAL PER-
FORMANCE RECORD, SIMULATED RESULTS DO NOT REPRESENT ACTUAL TRADING. ALSO, SINCE THE
TRADES HAVE NOT BEEN EXECUTED, THE RESULTS MAY HAVE UNDER-OR-OVER COMPENSATED FOR
THE IMPACT, IF ANY, OF CERTAIN MARKET FACTORS, SUCH AS LACK OF LIQUIDITY. SIMULATED
TRADING PROGRAMS IN GENERAL ARE ALSO SUBJECT TO THE FACT THAT THEY ARE DESIGNED
WITH THE BENEFIT OF HINDSIGHT. NO REPRESENTATION IS BEING MADE THAT ANY ACCOUNT WILL
OR IS LIKELY TO ACHIEVE PROFIT OR LOSSES SIMILAR TO THOSE SHOWN NFA INTERPRETIVE NOTICE
OF RULE 2-29-HYPOTHETICAL PERFORMANCE RESULTS HAVE MANY INHERENT LIMITATIONS, SOME
OF WHICH ARE DESCRIBED IN THIS SITE. NO REPRESENTATION IS BEING MADE TAT ANY ACCOUNT
WILL OR IS LIKELY TO ACHIEVE PROFITS OR LOSSES SIMILAR TO THOSE SHOWN. IN FACT, THERE
ARE FREQUENTLY SHARP DIFFERENCES BETWEEN HYPOTHETICAL PERFORMANCE RESULTS AND
THE ACTUAL RESULTS SUBSEQUENTLY ACHIEVED BY ANY PARTICULAR TRADING PROGRAM. ONE
OF TE LIMITATIONS OF HYPOTHETICAL PERFORMANCE RESULTS IS THAT THEY ARE GENERALLY
PREPARED WITH THE BENEFIT OF HINDSIGHT. IN ADDITION, HYPOTHETICAL TRADING DOES NOT
INVOLVE FINANCIAL RISK, AND NO HYPOTHETICAL TRADING RECORD CAN COMPLETELY ACCOUNT
FOR THE IMPACT OF FINANCIAL RISK IN ACTUAL TRADING.
I would like to extend a personal invitation and insist on you
making contact with me regarding any question that you might
have concerning our program.
Sincerely yours,
JACE VERNON
President

LUCID FINANCIAL INC

801-592-1026
www.investlucid.com
1173 South 250 West #302
Saint George UT 84770