LOUNTZIS ASSET MANAGEMENT, LLC

Lountzis Asset Management is an independent registered investment adviser founded in October 2000 by its Principal, Paul J. Lountzis. The firm specializes in managing customized portfolios for a diverse clientele, including families, high-net-worth individuals, institutions, and retirement plans. Before engaging Lountzis Asset Management for investment advisory services, clients are required to sign one or more written agreements outlining the terms of the relationship. The firm may recommend that clients engage Lountzis Asset Management or its affiliates for additional services, such as investment management, for compensation. However, clients retain complete control over all implementation decisions and are not obligated to follow any recommendations made by Lountzis Asset Management under a financial planning or consulting engagement. Clients are responsible for informing the firm of any changes in their financial situation or investment objectives to ensure that Lountzis Asset Management's recommendations and services remain appropriate.

Lountzis Asset Management employs a concentrated portfolio of equity holdings with low turnover. They prioritize primary, field-based research to supplement traditional third-party research, forming the foundation for their security selection process. This strategy emphasizes a deep understanding of a company's core financial characteristics and the industry it operates within. The firm focuses on businesses led by high-quality management teams and selling at attractive valuations. They consider both domestic and foreign securities of varying market capitalizations for client accounts. Lountzis Asset Management also has specific criteria for accepting clients with smaller portfolios, including anticipated future earning capacity, anticipated future additional assets, and the dollar amount of assets to be managed.

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