WealthMark Unified Managed Account Program SM

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1 WealthMark Unified Managed Account Program SM Introduction WealthMark UMA Portfolios are constructed for the Adhesion WealthADV Unified Managed Account (UMA) platform by Capital Market Consultants (CMC). Comprised of institutionalquality managers, the five WealthMark diversified portfolios accomodate the full spectrum of investment objectives, risk tolerances and account sizes. The WealthMark UMA Portfolios SM offer advisors a comprehensive, fully packaged investment program for their clients. Manager Selection & Portfolio Construction The CMC manager selection and portfolio construction process evaluates both individual manager skill and how well combined manager strategies work in an overall portfolio. Diversification between management styles is critical in our portfolio construction. Individual managers are evaluated on a variety of factors, including performance (absolute and riskadjusted), style, style consistency, security selection and sector weighting skill, experience and talent. Manager pairings are back-tested to determine how well they complement each other and are analyzed at the holdings level as a complete portfolio. Each portfolio is regularly monitored to ensure that desired investment guidelines are maintained. 20% 77% WealthMark UMA Portfolio Series Conserative Growth 42% 55% 60% 37% Risk Spectrum 24% 7 Growth & 91% Appreciation % Equity % Fixed % Cash Program Components Available for accounts held at Schwab, Fidelity, TD Ameritrade, Pershing, and National Advisors Trust Co. Client reporting, with online access. Expert Overlay Portfolio Management: Coordinating activity amongst multiple managers; Incorporating client-specific restrictions, mandates and cash needs; Sophisticated, tax-aware portfolio rebalancing; About Adhesion WealthADV Managed Investing platform is a comprehensive outsourced service providing a complete unified managed account, customized investment management, client performance reporting and back office solution for independent advisors. Visit with Adhesion at Portfolios Appreciation Growth & Conservative Growth Implementation s & Account Minimums ETF Mutual Fund SMA & MF $20,000 $50,000 $275,000 $700,000 $20,000 $50,000 $400,000 $900,000 $20,000 $50,000 $400,000 $1,200,000 $20,000 $50,000 $700,000 $1,700,000 $20,000 $50,000 $1,200,000 N/A All ETFs All Mutual Funds Large, Mid & Intl: SMA; Small & Fixed Inc: Mutual Funds Equity: Separate Accounts; Fixed Inc: Mutual Funds About Capital Market Consultants CMC provides investment program consulting to financial intermediaries, specializing in research and due diligence on investment managers and mutual funds. CMC also consults on program design asset allocation strategies and economic matters.

2 WealthMark UMA Program SM - Performance Performance as of 6/30/2013 Investment Strategy Taxable Portfolios Annualized Performance Tax-Exempt Portfolios Annualized Performance Identifier 3 Mo YTD 1-Yr 3-Yr 5-Yr Identifier 3 Mo YTD 1-Yr 3-Yr 5-Yr Appreciation ETF WM-APETFT 0.2% % 14. WM-APETFN 0.2% % 14. Apprecia Mutual Fund WM-APMFT 0.7% 7.4% % WM-APMFN 0.8% 7.5% % 5.4% Apprecia Mutual Fund & SMA WM-APHYT 0.5% 8.2% 16.5% 15.1% 6.5% WM-APHYN 0.5% 8.2% 16.5% 15.1% 6.5% Apprecia 97% MSCI ACWI/ Cash WM-APSMAT 0.7% (0.2%) 8.6% 16.4% 16.7% 15.6% 12.6% 6.7% 2.9% WM-APSMAN 0.7% (0.2%) 8.6% 16.4% 16.7% 15.6% 12.6% 6.7% 2.9% Apprecia 97% MSCI AC Growth & ETF WM-GIETFT (0.4%) 5.2% 12.2% 12.1% WM-GIETFN (0.5%) 5.1% Growth Mutual Fund WM-GIMFT (0.1%) 5.2% 12.2% 11.8% 6.0% WM-GIMFN (0.1%) 5.2% % 5.9% Growth Mutual Fund & SMA WM-GIHYT (0.2%) 5.9% % 6.8% WM-GIHYN (0.) 5.9% % 6.7% Growth 80% MSCI ACWI/17% BC Agg/ Cash 80% MSCI ACWI/17% BC Municipal/ Cash WM-GISMAT (0.0%) (0.6%) % % 7.0% 3.7% WM-GISMAN (0.1%) (0.7%) 4.7% 13.2% 13.7% 13.5% 11.2% 6.9% 3.8% Growth BM Grow 80% MSCI AC ETF WM-BLETFT (0.8%) 3.4% 9.2% 10.1% WM-BLETFN (1.0%) 3.2% % Mutual Fund WM-BLMFT (0.7%) 3.4% % WM-BLMFN (0.8%) 3.4% 9.4% 10.1% 6.0% Mutual Fund & SMA WM-BLHYT (0.7%) 3.9% 10.2% 10.7% 6.8% WM-BLHYN (0.8%) 3.9% % 6.6% 60% MSCI ACWI/37% BC Agg/ Cash 60% MSCI ACWI/37% BC Municipal/ Cash WM-BLSMAT (0.6%) (1.2%) 4.2% 2.0% 10.1% % 9.1% 6.9% 4.2% WM-BLSMAN (0.7%) (1.2%) 4.2% 2.8% 10.2% % 9.5% 6.8% 4.6% BM Bala 60% MSCI AC Conservative Growth ETF WM-CGETFT (1.) 1.4% 7.9% WM-CGETFN (1.) 1.4% 7.9% Conser Mutual Fund WM-CGMFT (1.) 1.4% 6.5% 7.8% 6.1% WM-CGMFN (1.5%) 1.4% 6.6% 8.0% 5.7% Conserv Mutual Fund & SMA WM-CGHYT (1.) 1.8% 7.0% % WM-CGHYN (1.5%) 1.8% 7.2% 8.6% 6.1% Conserv 40% MSCI ACWI/57% BC Agg/ Cash 40% MSCI ACWI/57% BC Municipal/ Cash WM-CGSMAT (1.) (1.6%) 2.0% (0.2%) 7.0% 5.5% 8.5% % 4. WM-CGSMAN (1.4%) (1.7%) 2.0% 1.0% 7.1% 6.9% 8.8% 7.8% 5.0% Conserv BM Con 40% MSCI AC ETF WM-INETFT (1.4%) % 6.0% WM-INETFN (1.7%) 0.0% 4.1% 6.1% Mutual Fund WM-INMFT (1.6%) % 6.1% WM-INMFN (1.8%) 0.2% % 5.4% Mutual Fund & SMA 20% MSCI ACWI/77% BC Agg/ Cash 20% MSCI ACWI/77% BC Municipal/ Cash WM-INHYT (1.6%) (2.2%) 0.4% (2.4%) 4.7% 1.7% 5.4% 4.1% WM-INHYN (1.7%) (2.) 0.5% (0.8%) 4.8% 3.6% % 5.7% 5.2% BM Inco 20% MSCI AC Past Performance is no guarantee of future results.

3 WealthMark UMA Program SM - Investment Managers Appreciation WealthMark UMA Portfolio Availability Growth & Conservative Growth Manager Vehicle Asset Class Equity Managers Brown Advisory SMA/Fund Large Cap Growth ishares Russell 1000 Growth ETF Large Cap Growth Great Lakes SMA Large Cap Value John Hancock Fund Large Cap Value ishares Russell 1000 Value ETF Large Cap Value Highmark Geneva Fund Mid Cap Value Robeco Investment Management SMA Mid Cap Value ishares Russell Midcap ETF Mid Cap Riverbridge Investment Partners SMA Small Cap Growth Eagle Smaller Companies Fund Small Cap ishares Russell 2000 ETF Small Cap Gratry & Company SMA International Equity Federated Investors Fund International Equity Harbor Fund International Equity Matthews Fund International Equity ishares DJ Int'l Select Div ETF International Equity ishares MSCI AC Asia ex Japan ETF International Equity Vanguard FTSE All-World ex-us ETF International Equity Oppenheimer Fund Emerging Market Equity Vanguard MSCI Emerging Markets ETF Emerging Market Equity Fixed Managers Federated Investors Fund Taxable Domestic Core Fixed SPDR Barclays Aggregate Bond ETF Taxable Domestic Core Fixed American Century Fund Taxable Domestic Short Term Fixed Vanguard Short-Term Bond ETF Taxable Domestic Short Term Fixed Fidelity Fund Tax-Exempt Municipal Fixed SPDR Nuveen Barclays Municipal ETF Tax-Exempt Municipal Fixed Blackrock Fund Tax-Exempt Short Term Municipal ishares S&P S/T National Muni ETF Tax-Exempt Short Term Municipal PIMCO Fund High Yield ishares iboxx High Yield Corp. ETF High Yield Vanguard Fund U.S. Treasury ishares Barclays 7-10 Year Treasury ETF U.S. Treasury Oppenheimer Fund International Bond ishares Int'l Treasury Bond ETF International Bond ishares Barclays Inter Credit ETF Taxable Intermediate Credit 3-Mo T-bills Conservative Growth Portfolio Risk Profiles Growth & S&P 500 Aggressive Emerging

4 WealthMark UMA Program SM - Investment Manager Descriptions US Large Cap Equity US Mid/Small Cap Equity International Equity Riverbridge Partners: Riverbridge believes that earnings power determines company value. The manager looks for companies with growing earnings power and strong intrinsic value. The portfolio has top-down themes, often around particular industries, but management places a heavy emphasis on bottom-up fundamentals. Great Lakes: GLA believes that the best indicator of earnings power is represented by return on capital; therefore, they look for securities that have a high or rising return on equity or invested capital. They also believe that purchasing securities trading at an attractive valuation (i.e. low P/E) is necessary for success. Risk management is also important and is achieved through diversification. Brown Advisory: Brown Advisory s Large-Cap Growth philosophy is based on the belief that disciplined bottom-up research leads to superior investment performance. Rigorous research is utilized to gain a better understanding of a company s growth potential and a framework for its present and future value. The firm takes a "private company approach" to public company investing seeking to own businesses that are industry leaders or hold a proprietary advantage over their competition. Over time, concentrated portfolios of fundamentally strong businesses should generate returns in excess of the portfolio's index and the broad market, with an acceptable level of risk. John Hancock/Robeco: Robeco (Sub-Advisor) believes in investing where the value is seeking to find companies that combine attractive valuation, sound business fundamentals and improving business momentum. This approach is known internally as the three circle stock selection process. It has been successful for decades. Highmark Geneva: Geneva Capital Management believes relatively undiscovered, but industry leading companies that are attractively priced, have high returns on equity and assets, low debt to equity ratios, healthy historical and projected earnings growth and have experienced management are likely to produce superior equity returns. Eagle Asset: The manager believes earnings growth rates and other measures of profitability are mean reverting. So, research is conducted to identify companies with a high probability of demonstrating mean reversion patterns buying when the market overshoots to the downside and selling on the upside as investors overreact to non-economic pricing influences. The resulting strategy contains portfolio companies tending to possess sound fundamental attributes, sensible business models, and experienced managements. Gratry & Company: GC believes that compelling investment opportunities exist around the world that can be found combining top-down country/currency analysis with fundamental company evaluations. Federated: Federated believes that a strategic emphasis on high yielding stocks can enhance both relative and absolute performance over time. In addition, investment results can be enhanced by focusing on stocks with strong value characteristics. Harbor: The portfolio is managed in a value style with strong consideration given to companies with predictable business models that can demonstrate long-term consistency in earnings and cash flow. Stock selection is made using a bottom-up process with country and sector weighting generally being a residual of the process. The manager believes that patient due diligence of companies, countries and regions are of the utmost importance to the investment process. Matthews: Matthews Asia Funds, believes in the long-term growth of Asia, one of the world s fastestgrowing regions. Since 1991, we have focused our efforts and expertise exclusively in these countries, investing through a variety of market environments. Matthews is the largest dedicated Asia-only investment specialist in the United States. With $12.7 billion in assets under management as of March 31, 2010, Matthews employs a bottom-up, fundamental investment philosophy with a focus on long-term investment performance.

5 WealthMark UMA Program SM - Investment Manager Descriptions Fixed Fixed Municipal Fixed Federated Total Return: The manager builds diversified portfolios of investment grade fixed income securities designed to reflect the broad composition of the domestic bond market, in order to achieve a total return primarily of interest income with the potential for capital gain from bond appreciation. In order to achieve this objective the fund often invests in instruments that offer higher yields than Treasury securities, which carry no default risk, including mortgage-based securities, corporate bonds and when the manager believes appropriate, non-investment grade bonds. American Century: Duration and yield curve positioning are determined by the Macro Strategy team and are based upon a quantitative view of the interest rates, the economy, inflation and Fed policy. Sector allocation decisions are made using proprietary quantitative models to determine relative value across sectors along with sector team outlook. Security selection is believed to be the main source of alpha generation representing 50% of expected excess return. Fidelity Municipal : The Fidelity Advisor Municipal fund is designed to boost longterm performance with less overall risk by focusing on growth and income potential, not just yield. The fund follows a duration neutral approach. The process is a research-driven, risk-managed approach that seeks repeatable superior performance over time without assuming undue risks. Fidelity s investmentgrade team includes 70 fixed income research analysts across fundamental and quantitative research. Oppenheimer International Bond Fund: The fund invests mainly in debt securities of foreign governments and corporate issuers. Typically, corporate exposure is around 5%. Fund holdings can include long-term and short-term government bonds, participation interests in loans, corporate debt obligations, structured notes and other debt obligations. The fund employs a total return style that typically invests in over 40 different countries. In addition, the fund does not generally hedge currency exposure back to the US dollar. This fund does contain emerging market debt, currently at 50%. PIMCO: The PIMCO High Yield Fund seeks to provide high current income and capital appreciation. The Fund invests at least 80% of its assets in a diversified portfolio of high yield securities ("junk bonds") rated below investment grade but rated at least Caa by Moody or CCC by the S&P. The average portfolio duration varies between two and six years depending upon PIMCO's interest rate forecasts. Vanguard: The fund invests in a minimum of 80% of total assets in U.S. Treasuries. The balance of the fund may invest in high-quality, intermediate-term bonds that provide additional income potential, such as government agency and mortgage-backed securities. The fund s duration will be adjusted to reflect the advisor s nearterm interest rate outlook, the shape of the yield curve, and other factors. BlackRock: BlackRock uses a top-down approach to asset allocation and portfolio construction along with bottom-up security analysis and selection. The Municipal Bond Management Committee sets the investment strategy by identifying market inefficiencies and anticipating credit trends. Portfolio managers and credit research analysts provide bottom-up idea generation and research. Emerging Market Equity Oppenheimer: The Oppenheimer Developing Markets Fund utilized a bottom-up fundamental process. Their process is focuses on long-term economical, demographic and technological trends. They invest in companies that are capable of generating long-term superior growth driven by a structural change. Typically their companies generate high returns on invested capital that is indicative of meaningful and sustainable competitive advantage. They place a particular emphasis on financial strength of a company with a strong focus on cash flow.

6 This document is designed to assist investors in evaluating investment strategies comprised of money managers and or mutual funds and is not to be distributed or used for any other purpose. Investors should consult with their personal financial advisor with respect to the appropriateness of implementing this strategy for their financial circumstances. Capital Market Consultants (CMC), an independent investment management consulting firm, has compiled information in this document from money managers, mutual funds, market index providers and other third party information sources CMC believes to be reliable. The WealthMark UMA Portfolio strategy above reflects the hypothetical, annually rebalanced performance of this combination of investment managers and or funds over various time periods selected by CMC. The performance information and data presented on this investment profile are received at calendar quarterend but are not independently verified. While it is believed that these performance data faithfully reflect each manager s or funds historical track record of investment returns and risk, past performance is no guarantee of future results. These figures do not reflect the performance of an actual account or a group of actual accounts. The performance figures are net of the investment manager, and mutual fund fees, but do not take other fees like custodial, reporting, transaction, overlay management or financial advisor fees into account. Therefore, an investor s actual or net performance results will likely vary from those shown above. Capital Market Consultants (CMC) is not affiliated with any investment manager, mutual fund, index provider, overlay manager, personal financial advisor or any third party data provider. The investment return and principal value of an investment in a WealthMark UMA Portfolio will fluctuate daily so at the time an investor redeems their portfolio it may be worth more or less than their original investment value. (Certain funds in WealthMark UMA Portfolios may have redemption fees charged by your custodian in order to penalize investors involved in rapid mutual fund trading.) Strategy fee rates are subject to change at any time as a result of modifications made by Strategists to allocation weightings and/or portfolios utilized.