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Asset Class: Target-Date Funds

Q1: March 31, 2014

Trademark Capital 2040 Fund ClassTarget R6 Trademark Capital Retirement 2040 Fund R6 Growth of $10,000 Class R6 Shares 05/31/2007 - 3/31/2014 Fund Description

The Trademark Capital Target Retirement 2040 Fund seeks a moderate level of total return and the preservation of purchasing power of accumulated assets prior to and beyond the target retirement date. The Capital Target Date Series are collective investment funds (“CIFs”) created by the TOPTrademark 10 HOLDINGS 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 ETF 6) Vanguard Small Cap VB Capital which serves the sub-advisor to the CIFs.

VEA Index Fund 7) Vanguard REIT VNQ asset mix The Trademark/Wilshire glide path design adjusts the broadly diversified on a quarterly basis, gradually moving toward a more conservative allocation VO 8) Vanguard FTSE Emerging Markets Fund VWO up to and “through” retirement to life expectancy. This approach takes into account investor behavior BND Barclays Highthe Yield Bond 9) SPDR assumptions both before and after target retirement date, which areJNK used to create the slope of the glide path. 10) Market Vectors Emerging Mkts Local Currency EMLC.K

2) Vanguard FTSE Developed Markets

Trademark Capital 3) Vanguard Mid Cap Portfolio Management Team

4) Vanguard Total Bond Market Index Fund Joseph Ezernack, MBA CEO & Chief Investment Officer 5) Cash

Don Beasley Managing Director

Allocation

FUND FACTS

100%

Share Class

R6

410235162

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.

Total Expense Ratio* Benchmark Advisor

Trademark Capital

0.95% 0.12%

($10.70 per $1,000 invested)

l a

t i l i t y

-0.94% 0.80

M

a

n a

Standard DeviationOverlay Risk Management

20%

0.94 g

contracts under positive market conditions

e

m

e

Sharpe Ratio

1.07% 0%

*The total expense ratio includes the fund expense ratio and the weighted average ETF expense. Capital Management, Inc. is a Trademark

25

Annual Portfolio Turnover 30

35 35

Inception Date

Young Savers (34 and younger)

federally registered investment advisor with a team

Risk Management Overlay expands in adverse market conditions

R

40%

arch 31, 2014

o

2

Morningstar Target Date 2040 TR

mark Capital 2040 Fund and Classcredentialed R6 of experienced professionals. For h of $10,000 R6 Shares 05/31/2007 - 3/31/2014 overClass two decades, Trademark Capital has been

V

Beta

60%

Risk Management Overlay

Fixed Income

FUND DATA1

Alpha

80%

Investment Approach CUSIP

Equity

40

45

14.15% n t

0.19

Retirement Age 50

55

60

65

Mature Accumulators Near-Retirement Transitioners 1 Fund (35-49) (50-65)

Maturity Age

46%

70

75

80

9/1/2013

85

Age

In-Retirement Harvesters

vs. the S&P(65+) 500

The Risk Management Overlay, can reduce exposure to the “equity” glide path during

periods of elevated market risk. While the level of the Risk Management Overlay is lower YEAR RE CALENDAR steadfast in holding true to its core principles: 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 uard S&P 500 ETF 6) Vanguard Small Cap VB QTD Y goal-oriented solutions. The Trademark Capital “through” retirement. Q1: March 31, 2014 VEA uard FTSE Developed Markets 7) Vanguard REIT Index Fund VNQ 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 Fund uard Mid Cap 8) Vanguard FTSE Emerging Markets VWO2040 Fund Class R6 1.73% 1. Trademark Capital Trademark Capital exposure is 15%, which represents the lowest allocation to equities along the glide path. 2040 Fund Class R6 “winning by not losing.”

uard Total Bond Market Index Fund

9) SPDR Barclays High Yield Bond

JNK

Morningstar Target Date 2040 TR Growth of $10,000 - 3/31/2014 EMLC.K Class R6 Shares 05/31/2007

10) Market Vectors Emerging Mkts Local Currency

FUND FACTS Glide Path Consultant R6

Wilshire Associates 410235162

1

FUND DATA $14,000

Alpha Beta

Founded in 1972, Wilshire Associates (“Wilshire®”), 0.95% R2 a leading global independent investment consulting Average ETF 0.12% Standard Deviation and services firm, has more than four decades of Sharpe Ratio ense Ratio* ($10.70 per $1,000 invested) 1.07% experience providing risk analytics, investment Annual Portfolio Turnover rk Morningstar Target Date 2040 TR consulting, and investment solutions to institutional pense ratio includes the fund expense ratio and the weighted average Inception Date investors worldwide. Wilshire serves in excess of 500 organizations in 20 countries representing assets totaling approximately US $7 trillion.*

ense Ratio

$12,000

14.15%

$9,000

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.

0.19

4) Vanguard Total Bond Market Index Fund 46% $8,000

9/1/2013

5) Cash

$7,000 1Fund vs. the S&P 500 $6,000 $5,000

CUSIP

$12,567.28 CALENDAR YEAR HYPOTHETICAL &VB

6) Vanguard Small Cap

12/31/2007 12/3 VNQ $12,134.46 VO FTSE Emerging Markets 8) Vanguard VWO -30 Trademark Capital 2040 Fund Class R6 Fund0.00%

0.94 2) $11,000 Vanguard FTSE Developed Markets

VEA

7) Vanguard REIT Index Fund

BND

9) SPDR Barclays High Yield Bond

Growth of $10,000

$10,261

Trademark Capital 2040 Fund Class R6

Fund Expense Ratio Morningstar Target Date 2040 TR Weighted Average ETF

YTD

R6

1.73%

1.73%

Alpha

-0.94%

1.39%

1 Year

41023516213.67% Beta

1.39% 0.95%

2040 Trademark Fund R6

0.12%

3 Year

5 Year

7.17%

13.58%

Inception to Date 3.40%

2

14.25% R

8.71%

17.20%

2.87%

Sharpe Ratio 1.07% 12/31/2007 12/31/2008 12/31/2009 12/31/2010 12/31/2011 12/31/2012 12/31/2013 ($10.70 per $1,000 invested) 12.23%

17.71%

$10,261 $7,119 average$8,853 $9,780 Growth $10,000 *The total expense ratio includesofthe fund expense ratio and the weighted Inception Date ETF expense. 0.00% -37.91% 30.66% 14.29% $14,000 Morningstar Target Date 2040 TR

$9,351

$10,495

$12,354

-3.51%

14.35%

19.92%

$8,728

$9,981

Growth of $10,000

$9,755

$6,057

$7,915

$9,045

$6

0.80

14.15%

0.00% -30.62% -4.38% Trademark Capital 2040 Fund Class R6 Annual 10.47% Portfolio Turnover Benchmark Morningstar Target Date 2040 TR24.35%

$13,000

-37

0.94

Morningstar Target Date 2040

Standard Deviation

CALENDAR YEAR HYPOTHETICAL & ACTUAL RESULTS ($) 5/31/07 - 12/31/13

Total Expense Ratio*

$7

EMLC.K

0.00% Morningstar Target Date 2040 TR FUND DATA1 CALENDAR YEAR RETURNS (%) - CLASS R6 SHARES Growth of $10,000 $9,755 QTD

JNK

10) Market Vectors Emerging Mkts Local Currency

FUND FACTS

Share Class

Trustee

VOO

1) Vanguard S&P 500 0.80 ETF 3) $10,000 Vanguard Mid Cap

1.

TOP 10 HOLDINGS

-0.94%

$13,000

1.39%

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 2013-11 2014-01 2014-03

ss

BND

0.19

46%

9/1/2013

1 $12,577.62 Fund vs. the S&P 500 $11,969

$12,000 Illustrates investment made on 5/31/2007 with no additional deposits. $11,000a $10,000 Performance prior to February 1, 2011 is back-tested while performance after February 1, 2011 is based on actual results. Hypothetical, back-tested $10,000 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 $11,537.34 $9,000 that the Fund will achieve performance similar to that shown. The hypothetical performance does not reflect brokerage fees but is net of stated$8,000 Fund expenses. $7,000 $6,000

Trademark Capital 2040 Fund Cl

Morningstar Target Date 20


rget Date 2040 TR

Annual Portfolio Turnover

and the weighted average

Inception Date

46% 9/1/2013

vs. the S&P 500 Trademark Capital TargetFund Retirement 2040 Fund R6 1

CALENDAR YEAR RETURNS (%) - CLASS R6 SHARES QTD

YTD

1 Year

3 Year

5 Year

Trademark Capital 2040 Fund Class R6

1.73%

1.73%

13.67%

7.17%

13.58%

Inception to Date 3.40%

Morningstar Target Date 2040 TR

1.39%

1.39%

14.25%

8.71%

17.20%

2.87%

Past Performance is no guarantee of future results and theCALENDAR actual performance the benchmark and the may beRESULTS lower or higher than the hypothetical past performance shown above. Fund returns are YEARofHYPOTHETICAL & Fund ACTUAL ($) 5/31/07 - 12/31/13 calculated net of fees. Fund returns are compared to the Morningstar Target Date 2040. Performance prior to February 1, 2011 is back-tested while performance after February 1, 2011 is based on actual results. 12/31/2007 12/31/2008 12/31/2009 12/31/2010 12/31/2011 Date prior to actual inception is representative of the manager’s performance of a like strategy. Inception date used in the hypothetical return is May 31, 2007. 12/31/2012 12/31/2013

Trademark Capital Target Retirement 2040

Trademark Capital 2040 Fund Class R6

0.00%

-30.62%

24.35%

10.47%

-4.38%

12.23%

17.71%

Growth of $10,000

$10,261

$7,119

$8,853

$9,780

$9,351

$10,495

$12,354

$9,755

$6,057

Real$7,915

$9,045

$8,728

$9,981

$11,969

Target and Actual Allocation

0.00% Target -37.91% Allocation 30.66% 14.29% 3/31/2014

14.35% 19.92% 3/31/2014 Actual Allocation

-3.51%

Morningstar Target Date 2040 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. 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. A great value - The underlying securities are exchangetraded funds (ETFs) resulting in significant cost savings.

Real Assets 5%

Assets 5% Other Bonds 14%

Other Bonds 17%

Cash & TIPS 8%

Cash & TIPS 8%

Int'l Stocks 28%

Int'l Stocks 26%

Q1: March US 31,Stocks 2014

US Stocks 44%

45%

Trademark Capital 2040 Fund Class R6 Growth of $10,000 Class R6 Shares 05/31/2007 - 3/31/2014 TOP 10 HOLDINGS 1) Vanguard S&P 500 ETF

VOO

6) Vanguard Small Cap

2) Vanguard FTSE Developed Markets

VEA

7) Vanguard REIT Index Fund

VNQ

8) Vanguard FTSE Emerging Markets Fund

VWO

VO

3) Vanguard Mid Cap

BND

4) Vanguard Total Bond Market Index Fund

VB

9) SPDR Barclays High Yield Bond

JNK

10) Market Vectors Emerging Mkts Local Currency

5) Cash

FUND DATA1

FUND FACTS Share Class

R6

Year of Birth

Trademark Capital Target Retirement Fund

Before 1949

2010

1950-1959

2020

Total Expense Ratio*

1960-1969

2030

Benchmark

1970-1979

2040

*The total expense ratio includes the fund expense ratio and the weighted average ETF expense.

After 1980

2050

410235162

CUSIP

Alpha

R

Weighted Average ETF

0.12%

Standard Deviation

($10.70 per $1,000 invested)

1.07%

0.80

2

0.95%

Morningstar Target Date 2040 TR

-0.94%

Beta

Fund Expense Ratio

0.94 14.15%

Sharpe Ratio

0.19

Annual Portfolio Turnover

46%

Inception Date

9/1/2013 1

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

Fund vs. the S&P 500

CALENDA

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 Trademark Capital 2040 Fund Class (including the investments purchased and/or investment strategies devised or undertaken by Trademark) will be profitable.

Q R6

1

Past performance may not be indicative of future results. Therefore, no current or prospective client shouldTarget assume Date that future Morningstar 2040 TR performance will be profitable, equal the performance results reflected, or equal the corresponding historical 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 Trademark Capital 2040 Fund Class R6 Funds.

1

CALENDAR YEAR HYPOTH

The performance results (5/31/07-12/31/10) reflect hypothetical, back-tested results, that were achieved by means of the retroactive Growth of $10,000 application of a back-tested portfolio and, as such, the corresponding results have inherent limitations, including: (1) Fund results do not reflect the results of actual trading using client assets, but were achieved by means of the retroactive application of each of the Targetperformance Date 2040 TR referenced portfolios, certain aspects of which may have been designed with the benefit ofMorningstar hindsight; (2) back-tested 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 Growth of have $10,000 experienced investment results during the corresponding time periods that were materially different from those portrayed 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

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Tctr 2040 r6