Important Disclosure Information

Newman Schimel (“NS”) is an SEC registered investment adviser located in Deerfield, Illinois. NS and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which NS maintains clients. NS may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. NS’ web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of NS’ web site on the Internet should not be construed by any consumer and/or prospective client as NS’ solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by NS with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of NS, please contact the SEC or the state securities regulators for those states in which NS maintains a notice filing. A copy of NS’ current written disclosure statement discussing NS’ business operations, services, and fees is available from NS upon written request. NS does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to NS’ web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by NS), will be profitable or equal any historical performance level(s).

NS does not hold itself out as providing financial planning and/or consulting services. To the extent specifically requested by the client, NS may provide limited consultation services (such as retirement planning) to its investment management clients on investment or non-investment related matters that are generally ancillary to the investment management process. Any such consultation services, to the extent rendered, shall be rendered exclusively on an unsolicited basis for which NS shall usually not receive any separate or additional fee.

Certain portions of NS’ web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, NS’ (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from NS, or from any other investment professional. NS is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

Each client and prospective client agrees, as a condition precedent to his/her/its access to NS’ web site, to release and hold harmless NS, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from NS.