This website is a publication of Mark J. Schmerge. Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. A professional advisor should be consulted before implementing any of the strategies presented.

Information on this website is not an offer to buy or sell, or a solicitation of any offer to buy or sell the securities mentioned herein. Hyperlinks on this website are provided as a convenience and we disclaim any responsibility for information, services or products found on websites linked hereto.

Mark J. Schmerge only transacts business in states where the firm is properly registered, or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators nor does it indicate that the advisor has attained a particular level of skill or ability.

No current or prospective client should assume that the future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended by the advisor), will be profitable or equal to past performance levels.
The actual performance of an individual client’s portfolio may differ from other portfolios or composite program returns due to
differences in timing of contributions and withdrawals, account start date and actual fees paid.

Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no
assurances that it will match or outperform any particular benchmark for measuring the performance of a portfolio. Historical
performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial
charges or the deduction of an investment-management fee, the incurrence of which would have the effect of decreasing historical
performance results.

Tax Risks: Actively managed investment programs tend to have an above-average turnover rate in volatile markets, which could
have a negative impact upon the net after-tax gain experienced by an individual client in a taxable account.

Investment Risks: All investments carry risk. Client returns will fluctuate and are subject to market volatility, so that an investor’s
shares when redeemed may be worth more or less than their original costs. Mark J. Schmerge may use trend following indicators
which will not catch the first 5-10% of a market move. There can be no assurance that active investment management will protect a
portfolio from loss of capital.

There are unique potential risks associated with the specific asset classes in which portfolios may be invested. Investments in
smaller companies typically exhibit higher volatility. In addition to the normal risks associated with investing, narrowly focused
investments typically exhibit higher volatility. Investments in foreign securities generally incur greater risks than domestic
investments. International investments may involve risk of capital loss from unfavorable fluctuation in currency values, from
differences in generally accepted accounting principles or from economic or political instability in other nations. Emerging markets
involve heightened risks related to the same factors as well as increased volatility and lower trading volume. Leveraged and inverse
funds involve risks associated with their respective investment objectives and principal strategies, including aggressive investment
techniques and derivatives risk, correlation and inverse correlation risk (particularly for leveraged funds), counterparty risk, credit risk,
non-diversification risk, market risk, equity or fixed income risk, price variation risk, liquidity risk, early close/trading halt risk, and
active trading and portfolio turnover risk, which are described in their prospectuses.

Variable Annuity Risk: Annuities are long-term insurance products. Variable annuities are complex investment vehicles that are
subject to market risk, including the potential loss of principal invested. Withdrawals that do not qualify for a waiver may be subject to a
withdrawal charge. Withdrawals are subject to income taxes, and withdrawals before age 59-1/2 may incur an IRS 10% early withdrawal
penalty. Investors should consider the investment objectives, risks, charges and expenses of the variable annuity and its underlying
investment options carefully before investing. Obtain a free copy of the annuity’s and underlying investment’s prospectus, which
contains this and other information about variable annuities, by contacting Mark J. Schmerge offices. Read the prospectus carefully
before you invest and be sure to ask your financial professional about the annuity’s features, benefits, risks and fees, and whether the
annuity is appropriate for you, based on your financial situation and objectives.

Past performance is no guarantee of future results.

This website has been developed for informational purposes only and should not be considered as investment advice or a recommendation of any particular security, strategy or investment product. No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission of Mark J. Schmerge.