Custom Wealth Manager is a separate account asset management program through which representatives and their clients can access institutional money managers. As a separate account management, or "Wrap Fee" program, Custom Wealth Manager provides institutional asset management bundled or "wrapped" with other services including custody and clearing, performance and tax reporting, and financial advisor consultation. As a financial advisor, you may already provide consultation services to your clients in determining appropriate investment strategies.

Custom Wealth Manager provides a way to implement an investment strategy utilizing a professionally managed portfolio of stocks and/or bonds. Unlike commingled accounts such as mutual funds, Custom Wealth Manager portfolios can be tailored to address the unique financial and tax situations faced by each of your clients.

Through Custom Wealth Manager, you and your clients have access to an array of 23 institutional money managers with 43 different investment styles. For a minimum investment of $100,000-$300,000, your client will be able to own a portfolio of individual securities managed by world class money managers for one all-inclusive wrap fee. Custody, clearing, tax reporting and performance reporting is provided by Pershing.

Custom Wealth Manager ("CWM") is designed for the affluent investor seeking personalized investment management services. Your role as the Investment Professional is to develop an understanding of the investment objectives and risk tolerance of your client, which will enable you to recommend an appropriate portfolio manager(s) for each client. Your specific responsibilities include:

* Note:Upon reaching $500,000 in assets, the fee schedule for $500,000_$1 million will apply to all fixed income assets in that account. Fees may be discounted 10 percent_35 percent in 5 percent increments to allow pricing flexibility in competitive situations. Contact Brinker at 800-333-4573 or JPSC Marketing for details.

Destinations is an investment advisory program offered by Brinker Capital, in which Brinker will select a portfolio of no load mutual funds from the Fidelity Investment Advisor Group. The universe of funds includes over 400 funds from many fund families, and is not limited to the Fidelity Funds.

Matrix Asset Allocation is an investment advisory service from Matrix. This program utilizes Modern Portfolio Theory (MPT) to optimize investment return based on client risk tolerance. Matrix taps no-load DFA Index Funds investing in U.S. Stocks, U.S. Bonds, small cap stocks, foreign stocks, foreign bonds and cash equivalents. Matrix can also utilize the Preferred Advisor variable annuity from Providian Life Insurance Company, for investors that prefer the annuity vehicle to mutual funds.

Based on the investor profile and MPT model, Matrix will select and purchase the funds and/or variable annuity subaccounts on a discretionary basis, and will rebalance the portfolio quarterly. Clients receive quarterly consolidated statements.

Matrix will deduct an advisory fee based on account size, which will be shared with Jefferson Pilot Securities Corporation according to the schedule below. Fees will not be deducted from annuity subaccounts. Other expenses are generally limited to the internal expenses of the mutual funds and/or annuity, although custodial and transfer fees may apply.

Market Pace and Market PaceII are flexible asset management programs offered by the Independent Advisors Group (IAG). Investment advisory representatives (IARs) and their clients may select from a universe of over 3,000 no-load and load-waived mutual funds, as well as individual stocks and bonds (IARs must be appropriately licensed). Research services provided by IAG include seven model portfolios as well as individual investment recommendations in ten distinct asset classes. IAG does not have discretion over the client account. The IAR and the client must initiate all transactions by contacting the IAG Trade Desk. Clients and IARs will receive quarterly consolidated statements and consolidated 1099 reporting. IARs receive the Market Pace Research Report on a quarterly basis, which includes general market analysis, model portfolio updates and investment recommendations. To offer these programs, representatives must be registered as IAR's of Independent Advisors Group. Keep in mind some states do not allow dual registration.

The advisory fee schedule is flexible, allowing the IAR a range in which to set an appropriate fee for ongoing account service. The minimum advisory fee for any account is 0.50 percent, and the maximum is 3.00 percent. (IAG will deduct the advisory fee from the client account, retain the administrative charge as indicated below, and remit the remainder to Jefferson Pilot Securities Corporation.)

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Not affiliated with an investment adviser? Visit http://www.mp.morningstar.com to learn more about how you can benefit from this fee-based program managed by Morningstar Investment Services.

This robust web-based program is designed to support you with client management, marketing, and operations activities. You can quickly review your book of business, access client information, submit transactions, download reports, and access program information and marketing support tools – from your desktop or from anywhere in the world.

SEI Investments Management Corporation, SEI Investments Distribution Company, and SEI Trust Company (collectively "SEI"), offer a mutual fund asset allocation program featuring SEI funds. The advisory representative and the RIAs assist the client in selecting a specific asset allocation portfolio appropriate for the client by discussing the various levels of risk and by helping the client complete a questionnaire which details the client's annual income, net worth, and long-term goals and objectives. SEI, based on its capital market assumptions, constructs and maintains asset allocation portfolios comprised exclusively of mutual funds advised by SEI. The client directs the advisory representative or RIA to instruct SEI Trust Company to purchase and sell no-load SEI mutual funds ("SEI Funds") pursuant to the investment objectives and rebalancing parameters selected by the client. Physical custody of SEI Funds will be maintained by SEI.

As a participant in the Program, the client will pay an annualized advisory fee as follows:

The advisory fee is negotiable and is payable quarterly in arrears. (All advisory fees will be deducted from the account pursuant to the SEI Client Agreement unless other arrangements have been made in writing, and remitted to JPSC as gross dealer concession.)In addition, a maximum five basis point (0.05%) annual administrative fee will be billed quarterly in arrears to each program account.

Additional available advisory service programs include:
BTS Asset Management, RTE Asset Management, Clarke Lanzen Skalla Investment Firm, Polaris Advisory Services, Centurion Capital Management, Schield Asset Management, Flexible Plan Investments, LTD.