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/C O R R E C T I O N -- FOLIOfn Institutional/

Efficient Market Advisors Launches Pioneering 403b Offering

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SAN DIEGO andVIENNA, Va., Sept. 10 /PRNewswire/ -- Efficient Market Advisors, LLC (EMA), the nation's premier Exchange Traded Fund (ETF) separate account manager, announces the launch of the first 403b program offering professionally managed portfolios of ETFs. The Efficient 403b is registered with 403bCompare.com, the California School Employee Retirement Product Information Bank. The above-mentioned registration does not imply any endorsement or evaluation of the offer by the California State Teachers' Retirement System (CalSTRS), which administers 403b Compare.com. CaLSTRS is the largest teachers' retirement fund inthe United States. Other states are expected to explore new 403b alternatives.

This new offering in the 403b marketplace is made possible thanks to EMA's alliance with FOLIOfn Institutional, a unique online brokerage and technology firm for financial intermediaries.

403b plans (similar to 401k's) are retirement plans for employees of certain tax-exempt organizations such as public schools, universities, hospitals and non-profit groups. New IRS regulations taking effect in January 2009 open the door to new low-cost offerings. Leading the way is EMA's innovative, Efficient 403B, enabled by FOLIOfn's one-of-a-kind technology platform.

FOLIOfn Institutional features the unique, patented Folio Investing(R) system that allows individuals or institutions to economically create and manage diversified portfolios. This system allows fully transparent, low-cost, professionally managed investment solutions to be made available to 403b participants.

"I am extremely pleased to bring a professionally managed and cost-sensitive vehicle to 403b participants inCalifornia. There is simply no reason people should be forced to choose costly, inefficient investment products for their retirement assets," said Herb Morgan, Chief Executive Officer (CEO) of Efficient Market Advisors, LLC.

Key features of the Efficient 403b include:

-- No individual transaction charges

-- Low-cost ETFs and low asset-based management fees

-- Online performance and asset allocation reporting

-- Target date portfolios

Efficient Market Advisors has formed an alliance with FOLIOfn Institutional to provide trading, clearing, and custody for the Efficient 403b. "We think this is a significant development in the 403b space, and given the explosive growth FOLIOfn Institutional has experienced in the 401k and retirement services markets, we see adding 403b's as an important step. The increasing use of managed ETF portfolios is bringing some interesting and exciting investment options into this arena. We are pleased to work with Efficient Market Advisors, LLC on this important and very unique initiative," commented Greg Vigrass, President of FOLIOfn Institutional.

About Efficient Market Advisors, LLC:

Efficient Market Advisors (EMA) is widely known for having pioneered the concept of professionally managed portfolios of Exchange Traded Funds (ETFs). EMA combines time horizon and risk tolerance to construct fifteen asset allocation model portfolios, and is headquartered inDel Mar, California. For more information, call 1-888-327-4600 or visit Efficient Market Advisors on the web www.efficient403b.com.

About FOLIOfn Institutional:

FOLIOfn Institutional, a division of FOLIOfn Investments, Inc. delivers innovative investment solutions to financial professionals and institutions. It is headquartered inVienna, Va. (703) 245-5757 and on the web at: www.folioadvisor.com. The proprietary and patented FOLIO trading platform is an easy- to-use, Web-based trading system that enables users to buy, sell or customize portfolios of securities in a single transaction. Using the FOLIOfn platform, financial institutions can easily make all the advantages of Folio Investing available to tens of thousands of clients.

CONTACT: Herb Morgan of EMA, +1-888-327-4600; or Mary Gotschall of FOLIOfn, +1-703-245-5763

SOURCE FOLIOfn Institutional