PEAK TO VALLEY % DRAWDOWNS NET OF FEES

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1 POM Planning adds new Manager. Historical audited return -- May 31, 2002 to March 31, 2016 Philosophy: To implement and maintain a strategy and discipline that preserves capital and provides higher absolute and risk adjusted returns than the stock market. Strategy: Invests using a market timing strategy applied to leveraged and unleveraged market index mutual funds. Buy, sell and hold decisions are generated by an algorithmic rule based proprietary market timing system. Allocations are made 100% into one of three funds at all times. No discretion is involved. All positions taken are based on mechanical signals generated by the new manager. New POM Planning Manager PEAK TO VALLEY % DRAWDOWNS NET OF FEES New POM Planning Manager S&P 500 Total Return Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec YEAR % -1.05% 8.74% 2.52% % 4.97% -0.44% -1.58% -0.48% 0.50% 0.70% 7.63% -0.69% 6.30% 0.30% -3.13% 9.12% % 5.04% 3.61% 1.04% 3.36% 2.29% -2.25% 5.89% -2.51% 4.53% 3.38% -1.30% 20.25% % 1.88% 4.81% 2.68% 3.34% -3.05% 6.10% 1.65% -1.68% 6.75% 4.43% 4.93% 46.79% % 6.40% 4.09% -1.08% -8.97% -3.89% 10.19% 1.81% 3.11% -2.89% 5.27% 0.43% 21.39% % 5.64% -1.18% 1.73% -0.21% -3.01% 0.14% % 5.42% 7.79% -0.71% 0.60% 2.38% % -1.46% 6.68% 2.22% % -6.34% 4.30% -4.30% 7.59% 3.20% 2.23% 9.38% -2.80% % 1.24% -1.74% 5.66% 5.22% 1.21% 0.13% 6.18% 6.15% -2.76% -0.59% -1.48% 16.79% % 0.21% -0.53% 0.13% 0.12% -3.52% 0.12% 0.13% 5.19% 17.49% -0.65% 4.21% 16.61% % -2.96% 0.68% 6.37% 2.86% -0.57% 2.13% 5.58% -0.86% 2.23% 0.25% -2.45% 15.93% % -4.45% 0.39% 0.30% 1.66% 3.72% 3.63% 0.29% -1.27% 1.11% 2.71% 1.11% 12.44% % 4.05% -1.99% -4.40% 1.10% -1.26% 2.30% -1.69% 0.16% -1.88% 1.54% -1.09% -3.73% % -0.25% 2.14% -2.53% 1.88% -1.17% -1.64% 0.68% 1.18% 2.96% 6.20% 4.18% 15.86% % 0.02% -0.66% 0.20% 4.17% -2.98% 1.88% 0.91% 2.17% 5.69% 2.30% 6.44% 31.80% % 0.08% 0.08% -0.62% 0.78% 5.03% -6.79% -1.93% TRAILING RETURNS New Mgr. S&P500 TR STATISTICS New Mgr. S&P500 TR Year To Date 2.5% 1.4% Annualized Net ROR (since inception) 14.0% 7.0% 3 Year Annualized Return 19.7% 11.8% Annualized Standard Deviation (9 yr.) 16.4% 15.9% 5 Year Annualized Return 18.4% 11.6% Sharpe Ratio (9 year) Year Annualized Return 15.9% 6.5% Maximum mo. Drawdown (9 Year) -25.4% -50.9% Annualized Return Since Inception 14.0% 7.0% Beta vs. S&P 500 Total Return ALL INFORMATION PRESENTED IS NET OF A 2.75% ANNUAL MANAGEMENT FEE. SEE FOLLOWING PAGE FOR IMPORTANT DISCLOSURES. PAST PERFORMANCE IS NOT NECESSARILY INDICATIVE OF FUTURE RESULTS

2 Performance Disclosure: Net of 2.75% fees POM Planning s new manager s Composite performance is based on actual accounts and comprises all accounts in the composite. Composite performance has been verified to be in compliance with GIPS for the period from inception on May 31, 2002 through June 30, 2014 by Alpha Performance Verification Services. The oldest account in the composite has been verified for performance since inception by Theta Research and is continuously monitored daily by Theta Research. The accounts in the composite are considered representative of the majority of client accounts with similar investment objectives. Individual investors' objectives, financial situations, their specific instructions or restrictions, fund restrictions on investments or the time at which an account is opened or additions are made may result in different trades and returns from the composite. Composite returns are time-weighted total returns that reflect the reinvestment of dividends and capital gain distributions. Composite returns are net of the underlying mutual fund management fees, other fund (administrative) expenses. Results presented include simulated management fees of 2.75% annually, deducted quarterly in the month after the quarters end for performance reporting purposes. No adjustments have been made for potential income tax consequences. Performance for other composite investment programs may differ materially (more or less) from the performance of this composite. It should not be assumed that future recommendations will be profitable or equal past performance. The investment return and principal value of an investment will fluctuate so that an investor's shares, when sold or redeemed, may be worth more or less than their original cost and current performance may be lower or higher than the performance quoted. The benchmark returns of the S&P 500 are total returns and reflect the reinvestment of dividends. The S&P 500 Index is a capital weighted index composed of 500 widely held common stocks varying in composition, and is not available for direct investment. Benchmark returns are provided exclusively for comparison purposes only so as to provide general comparative information to assist an individual client or prospective client in determining whether the performance of the new manager meets, or continues to meet, his/her investment objective(s). It should not be assumed that any of the new manager s programs will correspond directly to any such comparative index. The volatility of the market indices may materially differ (more or less) from that of the actual portfolios. Since individuals cannot invest directly into any index, deductions for management fees or other custodial or transaction charges are not taken into account. These charges, if applicable, would reduce the overall return of the S&P 500 index. The strategies shown involve investing in mutual funds. Mutual fund shares are not insured by the FDIC or any other agency, are not guaranteed by any financial institution, are not obligations of any financial institution, and involve investment risk, including possible loss of principal. The data presented has been collected from sources believed to be reliable; however, the new manager does not guarantee or warrant the accuracy, timeliness, or completeness of the information. Past performance is no guarantee of future results. This material is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security. Such offers can only be made where lawful under applicable law. The new manager is registered as an investment adviser under various state laws. Such registration does not imply a certain skill or training and no inference to the contrary should be made. Information pertaining to the new manager s advisory operations, services, and fees is set forth in their current Form ADV Part II, a copy of which is available from the new manager upon request. Information pertaining to any mutual fund that is used in the new manager s strategy is set forth in each respective mutual fund's prospectus, a copy of which is also available from the new manager upon request.

3 GIPS Disclosure Statement The new manager is an independent registered investment advisor and claims compliance with the Global Investment Performance Standards (GIPS ). The new manager s performance has been verified to be in compliance with GIPS from through by Alpha Performance Verification Services who retain a CFA Institute CIPM (Certificate in Investment Performance Measurement). The new manager s strategy is a purely mechanical black box trading system in which no discretion is involved. The composite system is comprised of numerous long and intermediate-term market timing systems (filters) and quantitative short-term trading systems (triggers) that are integrated into one composite decision-making system. The system uses a leveraged S&P 500 index mutual fund as the primary investment for long positions and an unleveraged inverse S&P 500 index mutual fund for short positions. Short positions have been made very infrequently. The benchmark is the Standard and Poor's 500 Index (S&P 500). Valuations are computed, and performance is reported, in U.S. dollars. Composite returns are net of the underlying mutual fund management fees, custodial fees and other fund (administrative) expenses. All accounts in the composite are non-fee paying and as such returns are presented gross of Potomac Advisors' fees which are negotiable. To obtain a Compliant Presentation or a list of the Composite Descriptions contact info@pomplanning.net.

4 Sign up form POM Planning s two-day training in Las Vegas September 19-20, 2016 Our Time Tested Training is Coming Back to Las Vegas! Does $600 million in new money in a little over three years get your attention? It should and is one of the reasons our firm is one of the fastest growing RIAs in the industry right now. Why such growth? It s simple. We have something unique others do not: -The top three "conservative" strategies have an average Beta of.37* with an average annual return going back seven years of 9.19%* net of fees. -The top three "moderate-risk" strategies have a Beta of.523* with an average annual return going back seven years of 19.28%* net of fees. *Numbers year-ending Unique industry training among other things, we teach advisors: -how to utilize our easy-to-understand money-management system to bring on 7 to 10 new clients per month and millions of dollars in new business. -how to be Field Savvy so they are not afraid of ANY competition. This is the brokerage-statement-analysis training we do. -how to dismantle the advice offered by brokerage firms and banks that are forced to sell clients on their buy-and-hold models. Proven Success The average newly licensed advisor who comes on board with our platform will gather $2-$4 million a year in new AUM. The average seasoned securities licensed professional will gather $5-$10 million in new AUM every year. Because of our simple three-bucket approach, insurance licensed advisors who come on board typically double their fixed product sales (FIAs and/or EIUL). There is no doubt our training and low-drawdown risk/tactically managed strategies are second to none! Name as it appears on your credit card: Address : City State Zip -how to understand the ease of using a three-bucket system to manage risk and to help determine a client s investment risk tolerance. For more information on training, go to Three Special Guest Speakers We are excited THREE of our managers will be speaking at the seminar. Each will go over their unique low risk/high return philosophies so you can understand how they create high returns in a low risk environment. Also, our newest manager who has an average ROR over 25% going back to 2007 (this includes the crash) will be speaking as well. Not Securities Licensed Yet? With the new DOL Regulations and with the Source of Funds rule rearing its ugly head, it s time for non-licensed advisors to get off the fence about whether or not to obtain a license. If you are one of them, this seminar is a must to attend. You will learn specifically the power of using the POM Planning platform to pick up millions in AUM, how the platform will increase your fixed life and annuity sales, and how it will help protect you from regulatory problems. Phone I am currently Series 65 licensed (Yes/No)? I am already an RIA (Yes/No)? Credit Card Payment: Visa or MC Card Number Cost $150 # Exp. Date: 3 digit ID on the back of the card To officially sign up for the seminar, mail or fax this form to 3365 Circle Dr., St. Joseph, MI Fax: Phone: The address above needs to be the billing address for the credit card. If you have questions, please info@pomplanning.net or call To make hotel reservations at Vegas s Luxor hotel, click here or call and use PEACE16P as the discount code ($56 a night). Investment advice is offered by Horter Investment Management, LLC, a Registered Investment Adviser. Insurance and annuity products are sold separately through Horter Financial Services. Securities transactions for Horter Investment Management clients are placed through Pershing Advisor Solutions, Trust Company of America, Jefferson National Monument Advisor, Fidelity, and Security Benefit Life.

5 Sign-up Form for Full Day Marketing Seminar September 21, 2016, 8am-4pm Marketing, Marketing, Marketing Is there anything more important in the industry today than marketing? The biggest problem advisors have today is that they don t have enough clients. At this seminar Roccy DeFrancesco will be discussing/illustrating several unique/proprietary marketing tools that every agent is going to want to learn about. -College Seminars for Financial Planning many advisors are looking for a new seminar system to get in front of qualified clients at a low cost. During this session you will learn about a time test seminar platform based on doing financial planning seminars at local colleges. The success so far has been stunning. -Personal Financial Management (PFM) software the future is here and it starts with one of the most powerful tools ever created for the financial services/insurance industry, i.e., the PFM Software. The PFM program is a data aggregation system that allows advisors to see client data (the industry s only PFM with an advisor portal) so reports can be created to facilitate a discussion about the client s cash flow and retirement planning. -New financial planning software do you use Retirement Analyzer? How about emoney, Financial Logic, or MoneyTree? Roccy has been working for a year on his own comprehensive financial planning software and there is nothing like it in the industry. It will combine aspects of the previously listed programs and more. The program also integrates with the PFM program. It s intellectually honest software that is extremely easy to use. -Risk Analysis Software if you are familiar with Riskalyze, you ll love our Risk Analyzer. Our software not only calculates a risk score for clients (one that is much more grounded in reality than other such programs in the market), but it also creates a professional multi-page output that explains the risk score and messages in a positive manner the use of FIAs and tactical money management. -New online mobile app Roccy s favorite marketing tool is the Home Equity Acceleration Plan (HEAP ). This marketing tool has been taken to the next level through the use of a new Apple/Android app. This app is will help advisors gather data on hundreds, if not thousands, of new potential clients to drip on. -Landing page/squeeze page creator (with double opt-in system) everyone should be using landing pages to give something away to potential clients. Advisors don t use these systems because they are difficult to use and lack content. Roccy will show you how mind numbingly simple his new system is to use and how you can use his content or pre-created forms to give away white papers, books, videos, and much more. -New e-newsletter blasting system many people use Constant Contact to send mass s. Roccy created his own version of this program except he s added not only some of his own practical improvements, but one thing his program has that no other similar program has.his written content for newsletters. -All of the above programs can be fully integrated into the new CRM system. (It s the only CRM system in the industry that is fully integrated with the above programs). Other tools that will be covered at this seminar: Retirement Life, ghost/templated websites, giving away Roccy s books for FREE on the web, CPE for CPAs, Roth conversion software (proprietary), CVL illustrative software (proprietary), five of Roccy s books with your name on the cover, Medicaid planning education, and CALM (a marketing platform for the affluent). Name as it appears on your credit card: Address : City State Zip Phone Credit Card Payment: Visa or MC Card Number Cost $75.00 # Exp. Date: 3 digit ID on the back of the card. To make hotel reservations at Vegas s Luxor hotel, click here or call and use PEACE16P as the discount code ($56 a night per room). Mail or fax this form to 3365 Circle Dr., St. Joseph, MI Fax: Phone: The address above needs to be the billing address for the credit card. If you have questions, please info@pomplanning.net or call