Tctr 2030 r1 by Trademark Capital

Glide Path Powered By:

Asset Class: Target-Date Funds

Q3: September 30, 2013

Trademark Capital 2030 Fund ClassTarget R1 Trademark Capital Retirement 2030 Fund R1 $14,000

$12,798.72

$13,000

Growth of $10,000 Class R1 Shares 05/31/2007 - 9/30/2013 Fund Description $12,000

The Trademark Capital Target Retirement 2030 Fund seeks a moderate level of total return and the preservation of purchasing power of accumulated $12,195.50 $11,000 assets prior to and beyond the target retirement date. The Trademark Capital Target Date Series are collective investment funds (“CIFs”) created by the TOP 10 HOLDINGS $10,000 Hand Composite Employee Benefit Trust and sponsored by Hand Benefits & Trust Company, a BPAS company, that invest in the strategies of Trademark VOO 1) Vanguard S&P as 500 6) Cash Capital which serves theETF sub-advisor to the CIFs. $9,000

Joseph Ezernack, MBABond Market Idx 4) Vanguard Total CEO & Chief Investment Officer

5) iShares TIPS Bond ETF

Don Beasley Managing Director

VEA ETFdesign adjusts the broadly diversified 7) Vanguard Small VB asset mix The$8,000 Trademark/Wilshire glideCap path on a$7,000 quarterly basis, gradually moving toward a more conservative allocation VO 8) Vanguard FTSE Emerging Markets ETF VWO up to and “through” retirement to life expectancy. This approach takes into account investor behavior BND both REIT ETF 9) Vanguard assumptions before and after the target retirement date, which areVNQ used to create the slope of the glide path. TIP Currency 2010 Vectors TrademarkEmerging Fund R1 Mkts Local Morningstar Target EMLC.K Date 2010 10) Market 2007-05 2007-07 2007-09 2007-11 2008-01 2008-03 2008-05 2008-07 2008-09 2008-11 2009-01 2009-03 2009-05 2009-07 2009-09 2009-11 2010-01 2010-03 2010-05 2010-07 2010-09 2010-11 2011-01 2011-03 2011-05 2011-07 2011-09 2011-11 2012-01 2012-03 2012-05 2012-07 2012-09 2012-11 2013-01 2013-03 2013-05 2013-07 2013-09

2) Vanguard FTSE Developed Markets ETF

Trademark Capital 3) Vanguard Mid Cap ETF Portfolio Management Team

Allocation

FUND FACTS

CUSIP The asset allocation and glide path strategy is powered by Wilshire Fund Expense RatioAssociates. Investment

selection, management and downside protection Weighted AveragebyETF overlay is managed Trademark Capital.

Advisor Benchmark

Trademark Capital

41023X724 $13,000 60%

Beta

$12,000

Risk Management Overlay expands in adverse market conditions

l a

t i l i t y

0.90%$11,000 40%

0.12%$10,000 20%

Risk Management Standard DeviationOverlay

0.56 M

$9,000

Sharpe Ratio

n a

Portfolio Turnover Morningstar Target Date 2030 TR 25 Annual 30 35 40 45 50 25

$12,329.19

0.89 g

10.42%

$11,605.97

n t

Retirement Age

$7,000 $6,000

contracts under positive market conditions

($10.20 per $1,000 invested) 1.02% $8,000 0%

0.60%

0.22

79%8 0

Maturity Age

*The fund expense ratio has 10 bps of service fees payable to the plan’s service Inception Date 2/1/2011 Trademark Capital Management, is a expense ratio and the $5,000 providers. The2013 total expense ratio includesInc. the fund weighted Young Savers September 30, Mature Accumulators Near-Retirement Transitioners In-Retirement Harvesters 1 federally registered investment advisor with a team average ETF expense. (34 and younger) (35-49) (50-65) (65+) Fund vs. the S&P 500

Age

2007-05 2007-07 2007-09 2007-11 2008-01 2008-03 2008-05 2008-07 2008-09 2008-11 2009-01 2009-03 2009-05 2009-07 2009-09 2009-11 2010-01 2010-03 2010-05 2010-07 2010-09 2010-11 2011-01 2011-03 2011-05 2011-07 2011-09 2011-11 2012-01 2012-03 2012-05 2012-07 2012-09 2012-11 2013-01 2013-03 2013-05 2013-07 2013-09

Q3:

Alpha

80% $14,000

Investment Approach

Risk Management Overlay

Fixed Income

FUND DATA1

100%

Share Class

Total Expense Ratio*

Equity

rademarkofCapital 2030 and Fund Class R1 professionals. For experienced credentialed The Risk Management Overlay, can reduce exposure to the “equity” glide path during twoClass decades, Trademark Capital has- 9/30/2013 been rowth ofnearly $10,000 R1 Shares 05/31/2007

)

2020 Trademark Fund R1

Morningstar Target Date 2020

periods of elevated market risk. While the level of the Risk Management Overlay is lower steadfast in holding true to its core principles: CALENDAR YEAR RETURNS TOP 10 HOLDINGS for younger investors, the pre-determined maximum levels of protection increase up to and putting client’s interest first and delivering VOO Vanguard S&P 500 ETF 6) Cash Q3: September 30, 2013 goal-oriented solutions. The Trademark Capital “through” retirement. QTD VEA Vanguard FTSE Developed Markets ETF 7) Vanguard Small Cap ETF VB investment philosophy centers on the idea of At age 65, the target retirement date, the maximum equity exposure is 55%. At age 85, the target maturity date, the maximum equity VO Markets ETF Vanguard Mid Cap ETF 8) Vanguard FTSE Emerging VWO Trademark Capital 2030 Fund Classto R1 exposure is 15%, which represents the lowest allocation equities along the glide path. “winning by not losing.” 4.73% 6 Trademark Capital 2030 Fund Class R1

) Vanguard Total Bond Market Idx

) iShares TIPS Bond ETF

hare Class

BND TIP

Glide Path Consultant

9) Vanguard REIT ETF

$13,000

FUND FACTS

Wilshire Associates

VNQ

Growth of $10,000 Class - 9/30/2013 EMLC.K R1 Shares 05/31/2007 Morningstar Target Date 2030 TR 1

FUND DATA Alpha

$12,000

1) Vanguard S&P 500 ETF

TOP 10 HOLDINGS

0.60%

$11,000 Founded in 1972, Wilshire Associates (“Wilshire®”), 0.90% 2)$10,000 Vanguard FTSE Developed0.89 Markets ETF R2 a leading global independent investment consulting eighted Average ETF 0.12% Standard Deviation 10.42% 3) $9,000 Vanguard Mid Cap ETF and services firm, has more than four decades of Sharpe Ratio 0.22 otal Expense Ratio* ($10.20 per $1,000 invested) 1.02% experience providing risk analytics, investment $8,000 4) Vanguard Total Bond Market Idx Annual Portfolio Turnover enchmark Morningstar Target Date 2030 TR 79% consulting, and investment solutions to institutional he fund expense ratio has 10 bps of service fees payable to the plan’s service $7,000 Inception Date 5) iShares TIPS Bond ETF2/1/2011 viders. The total investors expense ratio includes the fund expense ratio and the serves weighted in excess of 500 worldwide. Wilshire 1 erage ETF expense. Fund vs. the S&P 500 $6,000 organizations in 20 countries representing assets FUND FACTS $5,000 totaling approximately US $7 trillion.*

USIP

41023X724

5.58%

10) Market Vectors Emerging Mkts Local Currency

Beta

0.56

und Expense Ratio

Hand Benefits & Trust Company Hand Benefits & Trust Company (HB&T), a BPAS company, is a state-chartered trust company serving the retirement industry since 1963. HB&T, headquartered in Houston, is regulated by the Texas Department of Banking and is one of the country’s largest full service trust companies dedicated to retirement plans.

*Assets are as of December 31, 2011, based on data published in the December 24, 2012 issue of Pensions and Investments.

7) Vanguard Small Cap ETF

YEAR HYPOTHETICAL &

V 12/31/2007 12/

$11,272.03 8) Vanguard FTSE Emerging Markets ETF

VWO

9) Vanguard REIT ETF

VNQ

0.00%

Trademark Capital 2030 Fund Class R1 TIP

QTD

Trademark Capital 2030 Fund Class R1

41023X724

4.73%

2030 Trademark Fund R1 Fund Expense Ratio Target 0.90% 5.58% Morningstar Date 2030 TR Weighted Average ETF

YTD

6.34%

10.52%

0.12%

1 Year

3 Year

5 Year

6.45%

5.44%

5.36%

Beta

Date 3.03%

Morningstar Target Date 2030 R 12.51% 9.58% 7.39% 2

*The fund expense ratio has 10Growth bps of service fees payable to the plan’s$10,514 service $10,000 of $10,000 providers. The total expense ratio includes the fund expense ratio and the weighted 0.00% -35.69% Morningstar Target Date 2030 TR average ETF expense.

Growth of $10,000

$10,000

$9,812

0.2

79%

7.47%

$8,400

$9,962

$10,901

$10,595

28.65%

13.42%

-2.28%

13.36% 1

$6,310

$8,118

$9,207

$8,997

Inception Date

0.5

10.42%

Sharpe Ratio ($10.20 per $1,000 invested) 1.02% 12/31/2007 12/31/2008 12/31/2009 12/31/2010 12/31/2011 12/31/2012

0.00% -20.11% 18.60% 9.43% Annual Portfolio Turnover-3.01% Benchmark Morningstar Date 2030 TR Trademark Capital 2030 Fund Class R1Target

$ 0.60%

0.8

1.91%

Standard Deviation

CALENDAR YEAR HYPOTHETICAL & ACTUAL RESULTS ($) 5/31/07 - 12/31/12

Total Expense Ratio*

-2

$10,000 EMLC. $1 0.00% -3

Growth of $10,000 Emerging Mkts Local Currency 10) Market Vectors

CUSIP

CALENDAR 6) Cash

VEA

Morningstar Target Date 2030 TR 1 FUND DATA CALENDAR YEAR RETURNS (%) - CLASS R1 SHARES $10,000 Growth of $10,000 R1 Alpha Inception to

Share Class

Trustee

$12,135.44

VOO

BND

2/1/201

Fund vs. the S&P 50

Illustrates a $10,000 investment made on 5/31/2007 with no additional deposits. Performance prior to February 1, 2011 is back-tested while performance after February 1, 2011 is based on actual results. Hypothetical, CALEND back-tested performance information for the Fund is for illustrative purposes only and does not represent actual Fund performance. Hypothetical, back-tested performance has inherent limitations and is not indicative of future results. No representation is being made that the Fund will achieve performance similar to that shown. The hypothetical performance does not reflect brokerage fees but is net of stated Fund expenses.

Trademark Capital 2030 Fund C

Morningstar Target Date 2

0 invested)

Sharpe Ratio

1.02%

0.22

Annual Portfolio Turnover

get Date 2030 TR

e to the plan’s service ratio and the weighted

79%

Inception Date

2/1/2011

Trademark Capital TargetFundRetirement 2030 Fund R1 vs. the S&P 500 1

CALENDAR YEAR RETURNS (%) - CLASS R1 SHARES Trademark Capital 2030 Fund Class R1

4.73%

6.34%

6.45%

5.44%

5.36%

Inception to Date 3.03%

Morningstar Target Date 2030 TR

5.58%

10.52%

12.51%

9.58%

7.39%

1.91%

QTD

YTD

1 Year

3 Year

5 Year

Past Performance is no guarantee of future results and the actual performance of the benchmark and the Fund may be lower or higher than the hypothetical past performance shown above. Fund returns are CALENDAR YEAR HYPOTHETICAL & ACTUAL RESULTS ($) 5/31/07 - 12/31/12 calculated net of fees. Fund returns are compared to the Morningstar Target Date 2030. Performance prior to February 1, 2011 is back-tested while performance after February 1, 2011 is based on actual results. Date prior to actual inception is representative of the manager’s performance of a like 12/31/2007 strategy. Inception date used 12/31/2009 in the hypothetical return is May 31, 2007. 12/31/2012 12/31/2008 12/31/2010 12/31/2011

Trademark Capital Target Retirement 2030

Trademark Capital 2030 Fund Class R1

Target and Actual Allocation

Growth of $10,000

0.00%

-20.11%

18.60%

9.43%

-3.01%

7.47%

$10,000

$10,514

$8,400

$9,962

$10,901

$10,595

9/30/2013 Target Allocation 0.00% -35.69% 28.65% 13.42%

Morningstar The actual allocation of the fund may differ from the Target target Date 2030 TR allocation depending on the current position of the Risk Growth of $10,000 Management Overlay.

The Risk Management Overlay can reduce exposure to the “equity” portion of the glide path when our model indicates periods of elevated market risk. The Risk Management Overlay provides higher levels of capital protection up to and “through” retirement for the near-dated Funds [2010, 2020 and 2030], while allowing for a higher standard deviation (i.e. up/down volatility) in the longer-dated Funds [2040 & 2050].

Key Considerations

A one-step, broadly diversified, ‘managed for you’ solution that adjusts to an investors age, as well as, changes in the financial markets. A winning combination - Combining Wilshire’s glide path expertise with a proprietary downside protection strategy that has been used in client accounts since 1991.

$10,000

$9,812

Real $6,310 Assets 5%

9/30/2013 Actual Allocation 13.36%

-2.28%

$8,118

$9,207

Other Bonds 16%

Other Bonds 18%

Int'l Stocks 20% Cash/TIPS 17%

US Stocks 41%

US Stocks Q3: September 30, 2013 42%

Trademark Capital 2030 Fund Class R1 Growth of $10,000 Class R1 Shares 05/31/2007 - 9/30/2013 TOP 10 HOLDINGS

A balanced approach - The management style not only balances risk with return, but also seeks to improve performance per unit of risk over traditional “diversified” portfolios.

VOO

6) Cash

2) Vanguard FTSE Developed Markets ETF

VEA

7) Vanguard Small Cap ETF

A great value - The underlying securities are exchangetraded funds (ETFs) resulting in significant cost savings.

4) Vanguard Total Bond Market Idx

3) Vanguard Mid Cap ETF

BND TIP

5) iShares TIPS Bond ETF

Before 1949

2010

1950-1959

2020

1960-1969

2030

9) Vanguard REIT ETF

1970-1979

2040

After 1980

2050

R1 41023X724

Alpha R2

Weighted Average ETF

0.12%

Standard Deviation

($10.20 per $1,000 invested)

1.02%

Morningstar Target Date 2030 TR

*The fund expense ratio has 10 bps of service fees payable to the plan’s service providers. The total expense ratio includes the fund expense ratio and the weighted average ETF expense.

IMPORTANT RISK CONSIDERATIONS

The Trademark Capital Target Retirement Funds are Collective Investment Funds (CIFs) sponsored by Hand Benefit & Trust Company. The CIFs are not mutual funds and shares are not deposits of Hand Benefits & Trust, a BPAS company, or Trademark Capital Management, and are not insured by the Federal Deposit Insurance Corporation or any other agency. The CIFs are securities which have not been registered under the Securities Act of 1933 and are exempt from investment company registration under the Investment Act of 1940. As defined in the Declaration of Trust and Participation Agreement documents, the Funds are available for investment by eligible qualified retirement plan trusts only. Principal invested is not guaranteed at any time, including at or after the fund’s specific target retirement date. Participants and beneficiaries may experience losses near, at or after the target date and there is no guarantee that the investment will provide adequate retirement income. The participants and beneficiaries on whose behalf assets are invested in a QDIA have the right to direct the investment to any other investment alternative under the plan, subject to any fees or limitation that may apply to such transfer under the plan. Principal Risks - Any of the principal risks summarized below may adversely affect the Fund’s net asset value, performance and ability to meet its investment objective. Active Management: The investment is actively managed and subject to the risk that the advisor’s usage of investment techniques and risk analyses to make investment decisions fails to perform as expected, which may cause the portfolio to lose value or underperform investments with similar objectives and strategies or the market in general. Target Date: Targetdate funds, also known as lifecycle funds, shift their asset allocation to become increasingly conservative as the target retirement year approaches. Still, investment in target date funds may lose value near, at, or after the target retirement date, and there is no guarantee they will provide adequate income at retirement. Underlying Fund/Fund of Funds: A portfolio’s risks are closely associated with the risks of the securities and other investments held by the underlying or subsidiary funds, and the ability of the portfolio to meet its investment objective likewise depends on the ability of the underlying funds to meet their objectives. Investment in other funds may subject the portfolio to higher costs than owning the underlying securities directly because of their management fees. ETF: Investments in exchange-traded funds generally reflect the risks of owning the underlying securities they are designed to track, although they may be subject to greater liquidity risk and higher costs than owning the underlying securities directly because of their management fees. Shares of ETFs are subject to market trading risk, potentially trading at a premium or discount to net asset value. Suitability: Investors are expected to select investments whose investment strategies are consistent with their financial goals and risk tolerance. The target-date fund should be selected based on factors in addition to age or retirement date, including investment objectives, time horizon, risk tolerance and fees and the stated asset allocation may be subject to change. It is possible to lose money by investment in the fund including at and after the target date. The glide path methodology assumes at the target retirement age the participant or beneficiary withdraws 5% of the account value per year. The Trademark Capital Target Retirement Funds performance prior to February 1, 2011 represents hypothetical back-tested results for the funds while performance after February 1, 2011 is based on actual results. The performance results reflect the reinvestment of dividends and other account earnings, and the maximum Fund investment management fee that would have been charged by Trademark had Trademark managed the Fund during the corresponding

EMLC.K

0.60%

Beta

0.90%

Total Expense Ratio*

VNQ

10) Market Vectors Emerging Mkts Local Currency

Fund Expense Ratio

Benchmark

VWO

FUND DATA1

Share Class CUSIP

8) Vanguard FTSE Emerging Markets ETF

FUND FACTS

Trademark Capital Target Retirement Fund

Int'l Stocks 20%

Cash/TIPS 17%

1) Vanguard S&P 500 ETF

Year of Birth

Real Assets 4%

$8,997

0.56 0.89 10.42%

Sharpe Ratio

0.22

Annual Portfolio Turnover

79%

Inception Date

2/1/2011 1

Fund vs. the S&P 500

CALENDAR YEAR

time period plus estimated corresponding Fund expenses (estimated at 0.90% annually), and any separate fees assessed directly by each security (mutual funds, exchange-traded funds, etc.) that comprised the portfolio. Therefore all results are net of fees. As market conditions fluctuate, the investment return and principal value of any investment will change. Diversification may not protect against market risks. There are risks involved with investing, including possible loss of principal. Different types of investments and/or investment strategies involve varying levels of risk, and there can be no assurance that any specific investment or investment strategy (including the investments purchased and/or investment strategies devised or undertaken by Trademark)Capital will be profitable. Trademark 2030 Fund Class

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future Morningstar Date 2030 performance will be profitable, equal the performance results reflected, or equal the corresponding historicalTarget benchmark index. The historical performance results for the benchmark does not reflect the deduction of transaction and custodial charges, or the deduction of an investment management fee, the incurrence of which would have the effect of decreasing indicated historical performance results. Benchmarks are unmanaged and one cannot invest directly in a benchmark. The historical performance results for the benchmark is provided exclusively for comparison purposes only, so as to provide general comparative information to assist an individual client or prospective client in determining whether Trademark Funds meets, or continues to meet, his/her investment objective(s). Please Also Note: (1) performance results do not reflect the impact of taxes; (2) It should not be assumed that account holdings will correspond directly to any benchmark index; and, (3) comparative indices may be more or less volatile than the Trademark Funds.

R1 TR

CALENDAR YEAR HYPOTH

12/

Trademark Capital 2030 Fund Class R1

The performance results (5/31/07-12/31/10) reflect hypothetical, back-tested results, that were achieved by means of the retroactive application of a back-tested portfolio and, as such, the corresponding results have inherent limitations, including: (1) Fund results do Growth of $10,000 not reflect the results of actual trading using client assets, but were achieved by means of the retroactive application of each of the referenced portfolios, certain aspects of which may have been designed with the benefit of hindsight; (2) back-tested performance Morningstar Target Date 2030 TR may not reflect the impact that any material market or economic factors might have had on the adviser’s use of the hypothetical portfolio if the portfolio had been used during the period to actually mange client assets; and, (3) Trademark’s clients may have $10,000 experienced investment results during the corresponding time periods that were materially different from thoseGrowth portrayed of in the portfolio. Hypothetical performance results have been compiled solely by Trademark, are unaudited, and have not been independently verified. Trademark maintains all information supporting the performance results in accordance with regulatory requirements. Information pertaining to Trademark’s advisory operations, services, and fees is set forth in Trademark’s current disclosure statement, a copy of which is available from Trademark upon request. Performance results have been compiled solely by Trademark, are unaudited, and have not been independently verified. Trademark maintains all information supporting the performance results in accordance with regulatory requirements. Benchmark performance reflects results as reported directly by each respective index and/or obtained by Trademark from other reliable sources, and have not been independently verified by Trademark.

For more information, contact your financial advisor or call Trademark Capital at 1-800-808-8960 www.TrademarkCapital.com