Confidential Proprietary Karim Ahamed Karim is a Partner

Confidential & Proprietary Karim Ahamed Karim is a Partner in the Chicago office and has more than thirty years of experience in providing investment advisory and wealth management services to affluent families, corporate executives, business owners, and charitable organizations. He leads the firm's manager selection activities and authors the firm's quarterly market outlook. Additionally, in his role as investment strategist, Karim works to identify key investment themes and trends and to develop and implement the appropriate strategic and tactical positioning for client portfolios. He is a member of the Investment Management Committee and leads the Manager Selection Committee. Prior to joining Cerity Partners, he was a Managing Director and Senior Investment Specialist with J. P. Morgan Private Banking, where he ranked among the nation's top investment advisors by Barron's magazine. * Earlier in his career, Karim held senior investment and wealth management positions with Coutts & Co and UBS AG in the UK. Karim received his Bachelor of Arts degree from the College of William & Mary and his Master of Management degree from the Kellogg School of Management at Northwestern University. He is a CFA® charterholder and member of the CFA Institute, CFA Society of Chicago and CFA Society of the UK. Karim currently serves on the boards, and professional advisory committees of several nonprofit organizations focused on arts, culture, education and economic development. He is a member of the Wealth Management Advisory Board at De. Paul University; an active supporter of William & Mary's Mason School of Business, and a regular guest lecturer at the undergraduate and graduate levels at both institutions. T: 312 -715 -3813 E: kahamed@ceritypartners. com 1

Confidential & Proprietary Meg Rowley Meg is a Partner in the Chicago office and has more than twenty-five years of experience in managing client relationships and providing comprehensive wealth management to wealthy individuals, multi-generational families, business owners, and executives. Meg leads the Wealth Management Practice and is a member of the Executive Committee. Prior to joining Cerity Partners, Meg was a Managing Director and Private Banker at J. P. Morgan. In this role, she was responsible for managing client relationships to ensure the seamless delivery of investment management, private banking, trust and wealth advisory services. She focused on understanding clients' current and future needs and successfully marshaling the firm's resources. Meg joined J. P. Morgan Private Banking in 1991 (then First National Bank of Chicago) as a Private Banker and was promoted to Client Advisor in 2001. Meg earned her Bachelor of Business Administration from St. Mary’s College and Masters of Business Administration from Dominican University. Meg is a member and a Director of the Chicago Finance Exchange. She is also on the board of Trinity High School in River Forest, IL. T: 312 -715 -3805 E: mrowley@ceritypartners. com 2