Tctr 2030 r4 by Trademark Capital

Glide Path Powered By:

Asset Class: Target-Date Funds

Q3: September 30, 2013

Trademark Capital 2030 Fund ClassTarget R4 Trademark Capital Retirement 2030 Fund R4 $14,000

$12,845.60

$13,000 Growth of $10,000 Class R4 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 assets prior to and beyond the target retirement date. The Trademark Capital Target Date Series are collective investment funds (“CIFs”) created by the $11,000 TOP 10 HOLDINGS Hand Composite Employee Benefit Trust and sponsored by Hand Benefits & Trust Company, a BPAS company, that invest in the strategies of Trademark $10,000 VOO 1) Vanguard S&P as 500 6) Cash Capital which serves theETF sub-advisor to the CIFs.

Trademark Capital 3) Vanguard Mid Cap ETF Portfolio Management Team Joseph Ezernack, MBABond Market Idx 4) Vanguard Total CEO & Chief Investment Officer

5) iShares TIPS Bond ETF

Don Beasley Managing Director

$9,000

VEA ETFdesign adjusts the broadly diversified 7) Vanguard Small VB asset mix The$8,000 Trademark/Wilshire glideCap path on a quarterly basis, gradually moving toward a more conservative allocation VO 8) Vanguard FTSE Emerging Markets ETF VWO up to and $7,000 “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 10) Market Vectors Emerging Mkts Local Currency EMLC.K 2010 Trademark Fund R4 Morningstar Target Date 2010 Allocation 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

Equity

FUND FACTS

100%

Share Class

80%

Investment Approach

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

Alpha

410235279 $14,000 60%

Beta

$13,000

Risk Management Overlay expands in adverse market conditions

l a

t i l i t y

0.99%40%

0.12%$11,000 20%

Risk Management Standard DeviationOverlay

$12,000

0.56 M

n a

0.89 g

contracts under positive market conditions

Sharpe Ratio

($11.10 per $1,000 invested) 1.11% $9,000 0%

$8,000 Portfolio Turnover Morningstar Target Date 2030 TR 25 Annual 30 35 40 45 50

0.70%

10.43% n t

Retirement Age 60

79%8 0

$11,605.97 Maturity Age

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

rademark Capital 2030 Fund Class R4

0.23

$12,263.32

85 $7,000 *The fund expense ratio has 44 bps of service fees payable to the plan’s service Inception Date 2/1/2011 Trademark Capital Management, is a expense ratio and the $6,000 providers. The2013 total expense ratio includesInc. the fund weighted Young Savers September 30, Mature Accumulators Near-Retirement Transitioners In-Retirement Harvesters 1 $5,000 (34 and younger) federally investment advisor with a team average ETF registered expense. (35-49) (50-65) (65+) Fund vs. the S&P 500

Trademark Capital

Q3:

$10,000

Total Expense Ratio*

Risk Management Overlay

Fixed Income

FUND DATA1

of experienced and credentialed professionals. For

The Risk Management Overlay, can reduce exposure to the “equity” glide path during rowth ofnearly $10,000 R4 Shares 05/31/2007 twoClass decades, Trademark Capital has- 9/30/2013 been

)

periods of elevated market risk. While the level of the Risk Management Overlay is lower steadfast in holding true to its core principles: CALENDAR RETURNS TOP 10 HOLDINGS 2020 Fund R4 maximumMorningstar Target Date increase 2020 YEAR for younger investors, theTrademark pre-determined levels of protection up to and putting client’s interest first and delivering VOO Vanguard S&P 500 ETF 6) Cash goal-oriented solutions. The Trademark Capital “through” retirement. Q3: September 30, 2013 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 Vanguard Mid Cap ETF 8) Vanguard FTSE Emerging Markets ETF VWO Trademark Capital 2030 Fund Classto R4 exposure is 15%, which represents the lowest allocation equities along the glide path. “winning by not losing.” 4.69% 6 Trademark Capital 2030 Fund Class R4

) Vanguard Total Bond Market Idx

) iShares TIPS Bond ETF

hare Class

USIP

BND TIP

Glide Path Consultant

9) Vanguard REIT ETF

FUND DATA1 $13,000

FUND FACTS

Wilshire Associates

410235279

VNQ

EMLC.K R4 Shares 05/31/2007 - 9/30/2013 Growth of $10,000 Class Morningstar Target Date 2030 TR

5.58%

10) Market Vectors Emerging Mkts Local Currency

Alpha Beta

TOP 10 HOLDINGS

0.70%

$12,000

1) Vanguard S&P 500 ETF

VOO

0.56

CALENDAR 6) Cash

$12,157.81

YEAR HYPOTHETICAL &

$11,000 Founded in 1972, Wilshire Associates (“Wilshire®”), 0.99% R2 VEA 2) $10,000 Vanguard FTSE Developed0.89 Markets ETF 7) Vanguard Small Cap ETF V 12/31/2007 12/ a leading global independent investment consulting eighted Average ETF 0.12% Standard Deviation 10.43% $11,272.03 and services firm, has more than four decades of VO Vanguard FTSE Emerging Markets ETF 3) Vanguard Mid Cap ETF 8) VWO $9,000 Sharpe Ratio 0.00% -2 0.23 otal Expense Ratio* Trademark Capital 2030 Fund Class R4 ($11.10 per $1,000 invested) 1.11% experience providing risk analytics, investment BND 4) $8,000 Vanguard Total Bond Market 9) Vanguard REIT ETF VNQ Annual Portfolio Turnover enchmark Morningstar Target Date 2030 TR 79%Idx consulting, and investment solutions to institutional $1 he fund expense ratio has 44 bps of service fees payable to the plan’s service Growth of $10,000 $10,000 Inception Date TIP viders. The total investors expense ratio includes the fund expense ratio and the serves weighted in excess of 500 5) $7,000 iShares TIPS Bond ETF2/1/2011 10) Market Vectors Emerging Mkts Local Currency EMLC. worldwide. Wilshire 1 erage ETF expense. Fund vs. the S&P 500 -3 organizations in 20 countries representing assets $6,000 Morningstar Target Date 2030 TR 1 0.00% FUND FACTS FUND DATA totaling approximately US $7 trillion.* $5,000 CALENDAR YEAR RETURNS (%) - CLASS R4 SHARES

und Expense Ratio

Trustee

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.

Alpha

$10,000 Growth of $10,000 Inception to

Share Class

QTD

CUSIP Trademark Capital 2030 Fund Class R4

YTD

4.69%410235279 6.17%

5.58% Morningstar Date 2030 TR Fund Expense Ratio Target 2030 Trademark Fund0.99% R4

10.52%

1 Year

3 Year

5 Year

Beta 6.38%

5.76%

5.52%

2 12.51% 9.58% Date7.39% RMorningstar Target 2030

0.5

1.91%

0.8

Weighted Average ETF 0.12% Standard Deviation CALENDAR YEAR HYPOTHETICAL & ACTUAL RESULTS ($) 5/31/07 - 12/31/12 Total Expense Ratio* Benchmark

10.43%

Ratio12/31/2010 12/31/2011 12/31/2012 12/31/2007 12/31/2008 Sharpe 12/31/2009 ($11.10 per $1,000 invested) 1.11%

Trademark Capital 2030 Fund Class R4

0.00%

-20.18%

$10,000

$10,508

$10,000

$9,812

Morningstar Target Date 2030 TR

of $10,000 *The fund expense ratio has 44Growth bps of service fees payable to the plan’s service providers. The total expense ratio includes the2030 fund expense ratio and the weighted 0.00% -35.69% Morningstar Target Date TR average ETF expense. Growth of $10,000

18.49%

9.33%

-2.50%

8.09%

$8,388

$9,939

$10,866

$10,595

Annual Portfolio Turnover Inception Date

0.70%

Date 3.13%

0.2

79%

2/1/201

28.65%

13.42%

-2.28%

13.36%

$6,310

$8,118

$9,207

$8,997Fund 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

00 invested)

Sharpe Ratio

1.11%

0.23

get Date 2030 TR

Annual Portfolio Turnover

ble to the plan’s service e ratio and the weighted

Inception Date

79% 2/1/2011

vs. the S&P 500 Trademark Capital TargetFund Retirement 2030 Fund R4 1

CALENDAR YEAR RETURNS (%) - CLASS R4 SHARES Trademark Capital 2030 Fund Class R4

4.69%

6.17%

6.38%

5.76%

5.52%

Inception to Date 3.13%

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 strategy. Inception date used in12/31/2009 the hypothetical return is May 31, 2007. 12/31/2012 12/31/2007 12/31/2008 12/31/2010 12/31/2011

Trademark Capital Target Retirement 2030

Trademark Capital 2030 Fund Class R4

Target and Actual Allocation

Growth of $10,000

0.00%

-20.18%

18.49%

9.33%

-2.50%

8.09%

$10,000

$10,508

$8,388

$9,939

$10,866

$10,595

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

Morningstar Target Date 2030 TR The actual allocation of the fund may differ from the target allocation depending on the current position of the RiskGrowth 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.

Real$6,310 Assets 5%

$10,000

$9,812

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 R4 Growth of $10,000 Class R4 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

R4 410235279

Alpha R2

Weighted Average ETF

0.12%

Standard Deviation

($11.10 per $1,000 invested)

1.11%

Morningstar Target Date 2030 TR

*The fund expense ratio has 44 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

0.70%

Beta

0.99%

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 10.43%

Sharpe Ratio

0.23

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.

R4 TR

CALENDAR YEAR HYPOTH

12/

Trademark Capital 2030 Fund Class R4

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