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04/17/2023Monday, April 17, 2023 9:00 AM City of Clearwater Main Library - Council Chambers 100 N. Osceola Avenue Clearwater, FL 33755 Main Library - Council Chambers Pension Trustees Meeting Agenda April 17, 2023Pension Trustees Meeting Agenda Welcome. We are glad to have you join us. If you wish to address the Council, please complete a Comment Card. Comment Cards are on the right-hand side of the dais by the City Clerk. When recognized, please hand your card to the Clerk, approach the podium and state your name. Persons speaking before the City Council shall be limited to 3 minutes unless otherwise noted under Public Hearings. For other than "Citizens to be heard regarding items not on the Agenda," a spokesperson for a group may speak for 3 minutes plus an additional minute for each person in the audience that waives their right to speak, up to a maximum of 10 minutes. Prior to the item being presented, please obtain the form to designate a spokesperson from the City Clerk. Up to 60 minutes of public comment will be allowed for an agenda item. No person shall speak more than once on the same subject unless granted permission by the City Council. The City of Clearwater strongly supports and fully complies with the Americans with Disabilities Act (ADA). Please advise us at least 48 hours prior to the meeting if you require special accommodations at 727-562-4090. Assisted Listening Devices are available. Kindly refrain from using cell phones and electronic devices during the meeting. Citizens wishing to provide comments on an agenda item are encouraged to do so in advance through written comment. The City has established the following two options: 1) eComments via Granicus - eComments is integrated with the published meeting agenda. Individuals may review the agenda item details and indicate their position on the item. You will be prompted to set up a user profile to allow you to comment, which will become part of the official public record. The eComment period is open from the time the agenda is published. Comments received by 5:00 p.m. the day before the meeting (April 16) will become part of the official record. 2) Email – Individuals may submit written comments or videos to ClearwaterCouncil@myclearwater.com. All comments received by 5:00 p.m. the day before the meeting (April 16) will become part of the official record. 1. Call To Order 2. Approval of Minutes 2.1 Approve the minutes of the February 13, 2023 Pension Trustees Meeting as submitted in written summation by the City Clerk. 3. Citizens to be Heard Regarding Items Not on the Agenda 4. New Business Items 4.1 Approve the new hires for acceptance into the Pension Plan as listed. 4.2 Approve the following request of employees James Benwell, Public Works Department, Christopher Johnson, Fire Department and Antonio Notardonato, General Services Department to vest their pension as provided by Section 2.419 of the Employees’ Pension Plan. Page 2 City of Clearwater Printed on 4/5/2023 April 17, 2023Pension Trustees Meeting Agenda 4.3 Approve the following request of James Atherholt, Parks and Recreation Department, William Brown, Parks and Recreation Department, Kevin Boaden, Fire Department, Catherine Borden, Public Utilities Department, Michael Dellavolpe, Fire Department, William Fry, Fire Department, Robert Furman, Police Department, Jay Gibson, Public Works Department, Deborah Lemon, Parks and Recreation Department, Steven McKinney, Solid Waste Department, Terri Ralat, Solid Waste Department, Edward Schultz, Fire Department, Michael Whittaker, Public Works Department, Steven Wilensky, Fire Department and Julie Wykoff, Library Department for a regular pension as provided by Sections 2.416 and 2.424 of the Employees’ Pension Plan. 4.4 Annual review of the Employees’ Pension Plan investment performance for the calendar and plan year ended December 31, 2022. 5. Director's Report 6. Adjourn Page 3 City of Clearwater Printed on 4/5/2023 Cover Memo City of Clearwater Main Library - Council Chambers 100 N. Osceola Avenue Clearwater, FL 33755 File Number: ID#23-0166 Agenda Date: 4/17/2023 Status: Agenda ReadyVersion: 1 File Type: MinutesIn Control: Pension Trustees Agenda Number: 2.1 SUBJECT/RECOMMENDATION: Approve the minutes of the February 13, 2023 Pension Trustees Meeting as submitted in written summation by the City Clerk. SUMMARY: APPROPRIATION CODE AND AMOUNT: USE OF RESERVE FUNDS: Page 1 City of Clearwater Printed on 4/5/2023 Pension Trustees Meeting Minutes February 13, 2023 Page 1 City of Clearwater City of Clearwater Main Library - Council Chambers 100 N. Osceola Avenue Clearwater, FL 33755 Meeting Minutes Monday, February 13, 2023 1:00 PM Main Library - Council Chambers Pension Trustees Draft Pension Trustees Meeting Minutes February 13, 2023 Page 2 City of Clearwater Roll Call Present 4 - Chair Frank Hibbard, Trustee Katleen Beckman, Trustee David Allbritton, and Trustee Lina Teixeira Absent 1 - Trustee Mark Bunker Also Present – Jennifer Poirrier – Interim City Manager, Michael Delk – Assistant City Manager, David Margolis - City Attorney, Rosemarie Call – City Clerk, Nicole Sprague – Deputy City Clerk, and Billie Kirkpatrick – Human Resources Director To provide continuity for research, items are listed in agenda order although not necessarily discussed in that order. Draft 1. Call to Order – Chair Hibbard The meeting was called to order at 3:18 p.m. 2. Approval of Minutes 2.1 Approve December 12, 2022 Pension Trustees meeting minutes as submitted in written summation by the City Clerk. Trustee Allbritton moved to approve December 12, 2022 Pension Trustees meeting minutes as submitted in written summation by the City Clerk. The motion was duly seconded and carried unanimously. 3. Citizens to be Heard Regarding Items Not on the Agenda – None. 4. New Business Items 4.1 Approve the following request of employees Eric Holmes, Public Utilities Department, Ann Marie Knight, Finance Department and Michael Olsa, Public Utilities Department to vest their pension as provided by Section 2.419 of the Employees’ Pension Plan. Eric Holmes, Water Distribution Operator, Public Utilities Department, was employed by the City on June 12, 2006, and his pension service credit is effective on that date. Mr. Holmes terminated from City employment on November 15, 2022. Anne Marie Knight, Senior Risk Mgmt. Specialist, Finance Department, was employed by the City on September 13, 2010, and her pension service credit is Draft Pension Trustees Meeting Minutes February 13, 2023 Page 3 City of Clearwater effective on that date. Ms. Knight terminated from City employment on December 1, 2022. Michael Olsa, Wastewater Treatment Plant Operator A, Public Utilities Department, was employed by the City on April 21, 2003 and his pension service credit is effective on that date. Mr. Olsa terminated from City employment on August 16, 2022. The Employees’ Pension Plan provides that should an employee cease to be an employee of the City of Clearwater or change status from full-time to part-time after completing ten or more years of creditable service (pension participation), such employee shall acquire a vested interest in the retirement benefits. Vested pension payments commence on the first of the month following the month in which the employee normally would have been eligible for retirement. Section 2.416 provides for normal retirement eligibility for non-hazardous duty employees hired prior to the effective date of this reinstatement (January 1, 2013), a member shall be eligible for retirement following the earlier of the date on which a participant has reached the age of 55 years and completed 20 years of credited service; the date on which a participant has reached age 65 years and completed 10 years of credited service; or the date on which a member has completed 30 years of service regardless of age. For non-hazardous duty employees hired on or after the effective date of this restatement, a member shall be eligible for retirement following the earlier of the date on which a participant has reached the age of 60 years and completed 25 years of credited service; or the date on which a participant has reached the age of 65 years and completed 10 years of credited service. Mr. Holmes will meet the non-hazardous duty criteria and begin collecting a pension in May 2027. Ms. Knight will meet the non-hazardous duty criteria and begin collecting a pension in October 2040. Mr. Olsa will meet the non-hazardous duty criteria and begin collecting a pension in May of 2023. Section 2.416 provides for normal retirement eligibility for hazardous duty employees, a member shall be eligible for retirement following the earlier of the date on which the participant has completed 20 years of credited service regardless of age, or the date on which the participant has reached 55 years and completed 10 years of credited service. Trustee Beckman moved to approve the following request of employees Eric Holmes, Public Utilities Department, Ann Marie Knight, Finance Department and Michael Olsa, Public Utilities Department to vest their pension as provided by Section 2.419 of the Employees’ Pension Plan. The motion was duly seconded and carried unanimously. Draft Pension Trustees Meeting Minutes February 13, 2023 Page 4 City of Clearwater 4.2 Approve the following request of Wade Bishop, Fire Department, Daise Castillo, Library Department, Richard Clendenin, Gas Department, Nelson Coy, Gas Department, Albert Craig, Gas Department, Michael Duff, General Services Department, Creighton Harvey, Gas Department, Melvin Maciolek, Public Works Department, Patricia Pride, General Services Department, Susan Stieben, Police Department, John Warner, Information Technology Department, and Lawrence Wynn, Public Utilities Department for a regular pension as provided by Sections 2.416 and 2.424 of the Employees’ Pension Plan. Wade Bishop, Fire Lieutenant, Fire Department, was employed by the City on September 24, 2001, and his pension service credit is effective on that date. His pension will be effective March 1, 2023. Based on an average salary of approximately $107,538.14 over the past five years, the formula for computing regular pensions and Mr. Bishop’s selection of the 50% Joint and Survivor Annuity with the 10% partial lump sum, this pension benefit will be approximately $53,588.76 annually. Daise Castillo, Librarian, Library Department, was employed by the City on October 7, 2002, and her pension service credit is effective on February 11, 2004. Her pension will be effective February 1, 2022. Based on an average salary of approximately $51,266.68 over the past five years, the formula for computing regular pensions and Ms. Castillo’s selection of the Single Life Annuity, this pension benefit will be approximately $26,641.92 annually. Richard Clendenin, Lead Gas Technician, Gas Department, was employed by the City on January 13, 1992, and his pension service credit is effective on that date. His pension will be effective January 1, 2023. Based on an average salary of approximately $66,500.22 over the past five years, the formula for computing regular pensions and Mr. Clendenin’s selection of the Single Life Annuity, this pension benefit will be approximately $71,931.84 annually. Nelson Coy, Gas System Specialist, Gas Department, was employed by the City on June 30, 1981, and his pension service credit is effective on November 9, 1987. His pension will be effective January 1, 2023. Based on an average salary of approximately $74,076.96 over the past five years, the formula for computing regular pensions and Mr. Coy’s selection of the Single Life Annuity, this pension benefit will be approximately $71,593.32 annually. Albert Craig, Lead Gas Technician, Gas Department, was employed by the City on January 22, 1996, and his pension service credit is effective on February 29, 1996. His pension will be effective April 1, 2023. Based on an average salary of approximately $52,560.01 over the past five years, the formula for computing regular pensions and Mr. Craig’s selection of the 75% Joint and Survivor Annuity, this pension benefit will be approximately $31,686.12 annually. Draft Pension Trustees Meeting Minutes February 13, 2023 Page 5 City of Clearwater Michael Duff, Mechanic Fabricator, General Services Department, was employed by the City on September 30, 1996, and his pension service credit is effective on that date. His pension will be effective January 1, 2023. Based on an average salary of approximately $58,587.57 over the past five years, the formula for computing regular pensions and Mr. Duff’s selection of the 75% Joint and Survivor Annuity, this pension benefit will be approximately $36,549.36 annually. Creighton Harvey, Gas Operations Supervisor, Gas Department, was employed by the City on July 27, 1992, and his pension service credit is effective on February 22, 1993. His pension will be effective March 1, 2023. Based on an average salary of approximately $69,360.70 over the past five years, the formula for computing regular pensions and Mr. Harvey’s selection of the 10 Year Certain and Life Annuity, this pension benefit will be approximately $56,802.48 annually. Melvin Maciolek, Stormwater Maintenance Manager, Public Works Department, was employed by the City on March 25, 2002, and his pension service credit is effective on that date. His pension will be effective January 1, 2023. Based on an average salary of approximately $76,926.97 over the past five years, the formula for computing regular pensions and Mr. Maciolek’ s selection of the 10 Year Certain and Life Annuity, this pension benefit will be approximately $42,798.12 annually. Patricia Pride, Warehouse Supervisor, General Services Department, was employed by the City on November 5, 2001, and her pension service credit is effective on that date. Her pension will be effective February 1, 2023. Based on an average salary of approximately $49,398.03 over the past five years, the formula for computing regular pensions and Ms. Pride’s selection of the 50% Joint and Survivor Annuity, this pension benefit will be approximately $27,838.32 annually. Susan Stieben, Police Service Technician, Police Department, was employed by the City on December 16, 1985, and her pension service credit is effective on April 11, 1988. Her pension will be effective February 1, 2023. Based on an average salary of approximately $55, 686.43 over the past five years, the formula for computing regular pensions and Ms. Stieben’s selection of the Single Life Annuity, this pension benefit will be approximately $51,198.28 annually. John Warner, Business System Analyst, Information Technology Department, was employed by the City on October 17, 2005, and his pension service credit is effective on that date. His pension will be effective July 1, 2023. Based on an average salary of approximately $49,428.23 over the past five years, the formula for computing regular pensions and Mr. Warner’s selection of the 50% Joint and Survivor Annuity, this pension benefit will be approximately $22,399.92 annually. Draft Pension Trustees Meeting Minutes February 13, 2023 Page 6 City of Clearwater Lawrence Wynn, Sr. Wastewater Collections Technician, Public Utilities Department, was employed by the City on September 15, 1986, and his pension service credit is effective on that date. His pension will be effective February 1, 2023. Based on an average salary of approximately $55,626.42 over the past five years, the formula for computing regular pensions and Mr. Wynn’s selection of the Single Life Annuity with the 30% partial lump sum, this pension benefit will be approximately $38,938.44 annually. Section 2.416 provides for normal retirement eligibility for non-hazardous duty employees hired prior to the effective date of this reinstatement (January 1, 2013), a member shall be eligible for retirement following the earlier of the date on which a participant has reached the age of 55 years and completed 20 years of credited service; the date on which a participant has reached age 65 years and completed 10 years of credited service; or the date on which a member has completed 30 years of service regardless of age. For non-hazardous duty employees hired on or after the effective date of this restatement, a member shall be eligible for retirement following the earlier of the date on which a participant has reached the age of 60 years and completed 25 years of credited service; or the date on which a participant has reached the age of 65 years and completed 10 years of credited service. Ms. Castillo, Mr. Clendenin, Mr. Coy, Mr. Craig, Mr. Duff, Mr. Harvey, Mr. Maciolek, Ms. Pride, Ms. Stieben, Mr. Warner, and Mr. Wynn have met the non-hazardous duty criteria. Section 2.416 provides for normal retirement eligibility for hazardous duty employees, a member shall be eligible for retirement following the earlier of the date on which the participant has completed 20 years of credited service regardless of age, or the date on which the participant has reached 55 years and completed 10 years of credited service. Mr. Bishop has met the hazardous duty criteria. Trustee Teixeira moved to approve the following request of Wade Bishop, Fire Department, Daise Castillo, Library Department, Richard Clendenin, Gas Department, Nelson Coy, Gas Department, Albert Craig, Gas Department, Michael Duff, General Services Department, Creighton Harvey, Gas Department, Melvin Maciolek, Public Works Department, Patricia Pride, General Services Department, Susan Stieben, Police Department, John Warner, Information Technology Department, and Lawrence Wynn, Public Utilities Department for a regular pension as provided by Sections 2.416 and 2.424 of the Employees’ Pension Plan. The motion was duly seconded and carried unanimously. 4.3 Approve the new hires for acceptance into the Pension Plan as listed. Draft Pension Trustees Meeting Minutes February 13, 2023 Page 7 City of Clearwater Name/Job Classification/Department Pension Eligibility Date Whitney Curtis, Personnel/Payroll Tech, Fire Department 10/24/2022 Richard Robinson, Wstwtr Trtmnt Plant Oper. Trainee, Public Utilities 10/24/2022 James Mcleay, Parking Citation Assistant, Public Works 10/24/2022 Joshua Coleman, Solid Waste Equip. Oper., Solid Waste & Recycling 10/24/2022 Kevin Workman, Survey Assistant, Public Works 10/24/2022 Wayne Vehrs, Stormwater Heavy Equip Operator, Public Works 10/24/2022 Kevin Ventura, Police Officer, Police Department 10/24/2022 Matthew Pease, Police Officer, Police Department 10/24/2022 Ryan Wall, Police Officer, Police Department 10/24/2022 Devin Matheny, Police Officer, Police Department 10/24/2022 Renee Frias, Police Officer, Police Department 10/24/2022 Andrew Billups, Police Officer, Police Department 10/24/2022 Lauren Morales, Police Officer, Police Department 10/24/2022 Sarah Zayas, Business Systems Analyst, Utility Customer Service 10/24/2022 Justin Jordan, Beach Guard, Fire 10/08/2022 Hai Huynh, Marine Facility Operator, Marine & Aviation 11/05/2022 Daniel Guido, Parking Enforcement Spec, Public Works Parking 11/07/2022 Craig Gabbard, Streets & Sidewalks Tech, Public Works 11/07/2022 Analucia Newkirk, Police TelecommunicatorX, Police Department 11/07/2022 Henry Keiler, Parks Service Tech., Parks & Recreation 11/07/2022 John Mulder, Utilities Mechanic, Public Utilities 11/07/2022 Darin Townsend, Parks Service Technician, Parks & Recreation 11/07/2022 Sarah Green, Code Enforcement Supervisor, Planning & Dev. 11/07/2022 Danielle Janney, Library Assistant, Library 11/19/2022 Taylor Amlin, Parks Service Technician, Parks & Recreation 11/21/2022 Major Marchman, Parks Service Technician, Parks & Recreation 11/21/2022 Cynthia Williams, Customer Service Rep, Planning & Development 11/21/2022 Juan Pedraza Pantoja, Parks Service Technician, Parks & Recreation 11/21/2022 Christopher Elsen, Customer Service Rep, Utility Customer Serv. 11/21/2022 Robert Hollingsworth, Stormwater Heavy Equip Oper, Public Works Strmw. 11/21/2022 Caleb Baker, Utility Dispatcher, Gas System 11/21/2022 Aleia Stein, Police Telecommunicator, Police Department 11/21/2022 Brianna Dewitt, Police Telecommunicator, Police Department 11/21/2022 Madison Stogsdill, Police Telecommunicator, Police Department 11/21/2022 Mark Allen, Sr Accountant, General Support Services 11/21/2022 Joseph Galizia, Gas Section Manager, Gas System 11/21/2022 Michael Bourne, Meter Reader, Utility Customer Service 12/05/2022 Jacob Brislin, Development Review Technician, Planning & Dev. 12/05/2022 Avery Bates, Parks Service Technician, Parks & Recreation 12/05/2022 David Jehnzen, Code Enforcement Inspector, Planning & Dev. 12/05/2022 Brandon Williams, Parks Service Technician, Parks & Recreation 12/05/2022 Victor Lee, Scada Specialist, Public Utilities 12/05/2022 Yashua Gonzalez, Fleet Mechanic, General Support Services 12/05/2022 Tyler Johns, Water Distr Oper Trainee, Public Utilities 12/05/2022 Aliya Cruise, Recreation Leader, Parks & Recreation 12/19/2022 Draft Pension Trustees Meeting Minutes February 13, 2023 Page 8 City of Clearwater Alexander Woods Jr., Parks Service Technician, Parks & Recreation 12/19/2022 Brian Simon, Code Enforcement Inspector, Planning & Development 12/19/2022 Austin DuBois, Custodian, Marine & Aviation 12/19/2022 Devon Franklin, Solid Waste Worker, Solid Waste 12/19/2022 Kelly Hill, Librarian, Library 12/19/2022 Kristina Cook, Accountant , Finance 12/19/2022 Trustee Allbritton moved to approve the new hires for acceptance into the Pension Plan as listed. The motion was duly seconded and carried unanimously. 5. Director's Report - None 6. Adjourn The meeting adjourned at 3:20 p.m. Draft Cover Memo City of Clearwater Main Library - Council Chambers 100 N. Osceola Avenue Clearwater, FL 33755 File Number: ID#23-0227 Agenda Date: 4/17/2023 Status: Agenda ReadyVersion: 2 File Type: Action ItemIn Control: Pension Trustees Agenda Number: 4.1 SUBJECT/RECOMMENDATION: Approve the new hires for acceptance into the Pension Plan as listed. SUMMARY: Name/ Job Classification/ Department Pension Eligibility Date Adrian Christian, Parks Service Technician, Parks & Recreation 01/03/2023 Andre Stanley, Solid Waste Equipment Operator, Solid Wase 01/03/2023 Andre Turner, Utilities Mechanic, Public Utilities 01/03/2023 Brendan West, Fleet Mechanic, General Services 01/03/2023 Dylan Mayeux, Sr. Real Estate Coordinator, Economic Dev.01/03/2023 Eric Goehring, Traffic Signal Technician, Public Works 01/03/2023 Madison Booth, Police Telecommunicator, Police Department 01/03/2023 Marque Chestine, Solid Waste Equipment Operator, Solid Wase 01/03/2023 Monica Pummer, Police Records Specialist, Police Department 01/03/2023 Philopateer Hanna, Sr. Engineering Specialist, Public Works 01/03/2023 Scotty Hougham, Fleet Mechanic, General Services 01/03/2023 Carl Giardino, Police Cadet, Police Department 01/14/2023 Michael McCafferty, Custodial Worker, Parks & Recreation 01/14/2023 Olsi Sumulla, Parking, Facility & Security Aide, Marine & Aviation 01/14/2023 Alice Kelly, Development Review Technician, Planning & Dev.01/17/2023 Alvin Pinero, Police Telecommunicator, Police Department 01/17/2023 Austin Repko, Parks Service Technician, Parks & Recreation 01/17/2023 Brian Solka, Management Analyst, Police Department 01/17/2023 Caridas Burchfield, Compliance Coordinator, Public Utilities 01/17/2023 Christopher Elliott, Police Cadet, Police Department 01/17/2023 Erika Escamilla, Neighborhood Coordinator, Office of Innovation 01/17/2023 Fufuoa Vang, Police Cadet, Police Department 01/17/2023 John Riedle, Plumber, General Services 01/17/2023 Kaitlyn Klein,,Police Telecommunicator, Police Department 01/17/2023 Kim Rizzo, Personnel/Payroll Technician, Parks & Recreation 01/17/2023 Marissa Myers, Police Telecommunicator, Police Department 01/17/2023 Matthew Hocalar, Skilled Tradesworker, Parks & Recreation 01/17/2023 Matthew Peacock, Police Telecommunicator, Police Department 01/17/2023 Philip Philebaum, Meter Reader, Finance/UCS 01/17/2023 Robert Kasmer, Real Estate Services Coordinator, Public Works 01/17/2023 Rocco Russo, Police Cadet, Police Department 01/17/2023 Thomas Heath, Lead Engineering Specialist, Public Works 01/17/2023 Page 1 City of Clearwater Printed on 4/5/2023 File Number: ID#23-0227 Zaccheus Jammer, Library Assistant, Library 01/17/2023 Brian Palmese, Fleet Mechanic, General Services 01/30/2023 Edmundo Chirinos, Fleet Mechanic, General Services 01/30/2023 Gregory Art, Parking Attendant, Public Works/Parking 01/30/2023 Jamyn Brown, Solid Waste Worker, Solid Waste 01/30/2023 Jordan Bailey, Police Officer, Police Department 01/30/2023 Jose Deleon, Police Officer, Police Department 01/30/2023 Lane Lightfoot, Police Officer, Police Department 01/30/2023 Miguel Marcos, Tree Trimmer, Public Works 01/30/2023 Timothy Lovely, Police Officer, Police Department 01/30/2023 Abraham Adger, Waste Water Treatment Plant Oper Tr, Public Util.02/13/2023 Adrian Gonzalez-Rodriguez, Senior Engineering Spec., Public Util.02/13/2023 Anthony Stamatoplos, Librarian, Library 02/13/2023 Courtney Gwyn, Risk Management Specialist, Finance/Risk 02/13/2023 David Spielvogel, Recreation Coordinator, Parks & Recreation 02/13/2023 Domingo Vega, Streets & Sidewalks Technician, Public Works 02/13/2023 Frank Ciafone, WWTP Operator A, Public Utilities 02/13/2023 Jamie Gaubatz, Senior Accountant, Public Works 02/13/2023 Jerome Dennis, Solid Waste Worker, Solid Waste 02/13/2023 Kerry Vash, Librarian -FT, Library 02/13/2023 Raymond Johnson, Utilities Electronics Technician, Public Utilities 02/13/2023 Troy Schermer, Customer Service Representative, Finance/UCS 02/13/2023 Page 2 City of Clearwater Printed on 4/5/2023 Interoffice Correspondence Sheet TO: Pension Advisory Committee FROM: Billie Kirkpatrick, Human Resources Director SUBJECT: Recommendation for Acceptance into Pension Plan DATE: February 17, 2023 Subject/Recommendation: Recommend approval of the new hires for acceptance into the Pension Plan as listed. Name Job Classification Department Pension Eligibility Date Adrian Christian Parks Service Technician Parks & Recreation 01/03/2023 Andre Stanley Solid Waste Equipment Operator Solid Wase 01/03/2023 Andre Turner Utilities Mechanic Public Utilities 01/03/2023 Brendan West Fleet Mechanic General Services 01/03/2023 Dylan Mayeux Sr. Real Estate Coordinator Economic Development 01/03/2023 Eric Goehring Traffic Signal Technician Public Works 01/03/2023 Madison Booth Police Telecommunicator Police Department 01/03/2023 Marque Chestine Solid Waste Equipment Operator Solid Wase 01/03/2023 Monica Pummer Police Records Specialist Police Department 01/03/2023 Philopateer Hanna Sr. Engineering Specialist Public Works 01/03/2023 Scotty Hougham Fleet Mechanic General Services 01/03/2023 Carl Giardino Police Cadet Police Department 01/14/2023 Michael McCafferty Custodial Worker Parks & Recreation 01/14/2023 Olsi Sumulla Parking, Facility & Security Aide Marine & Aviation 01/14/2023 Alice Kelly Development Review Technician Planning & Development 01/17/2023 Alvin Pinero Police Telecommunicator Police Department 01/17/2023 Austin Repko Parks Service Technician Parks & Recreation 01/17/2023 Brian Solka Management Analyst Police Department 01/17/2023 Caridas Burchfield Compliance Coordinator Public Utilities 01/17/2023 Christopher Elliott Police Cadet Police Department 01/17/2023 Erika Escamilla Neighborhood Coordinator Office of Innovation 01/17/2023 Fufuoa Vang Police Cadet Police Department 01/17/2023 John Riedle Plumber General Services 01/17/2023 Kaitlyn Klein Police Telecommunicator Police Department 01/17/2023 Kim Rizzo Personnel/Payroll Technician Parks & Recreation 01/17/2023 Marissa Myers Police Telecommunicator Police Department 01/17/2023 Matthew Hocalar Skilled Tradesworker Parks & Recreation 01/17/2023 Matthew Peacock Police Telecommunicator Police Department 01/17/2023 Philip Philebaum Meter Reader Finance/UCS 01/17/2023 Robert Kasmer Real Estate Services Coordinator Public Works 01/17/2023 Rocco Russo Police Cadet Police Department 01/17/2023 Thomas Heath Lead Engineering Specialist Public Works 01/17/2023 Zaccheus Jammer Library Assistant Library 01/17/2023 Brian Palmese Fleet Mechanic General Services 01/30/2023 Edmundo Chirinos Fleet Mechanic General Services 01/30/2023 Gregory Art Parking Attendant Public Works/Parking 01/30/2023 Jamyn Brown Solid Waste Worker Solid Waste 01/30/2023 Jordan Bailey Police Officer Police Department 01/30/2023 Jose Deleon Police Officer Police Department 01/30/2023 Lane Lightfoot Police Officer Police Department 01/30/2023 Miguel Marcos Tree Trimmer Public Works 01/30/2023 Timothy Lovely Police Officer Police Department 01/30/2023 Abraham Adger Waste Water Treatment Plant Oper Tr Public Utilities 02/13/2023 Adrian Gonzalez-Rodriguez Senior Engineering Specialist Public Utilities 02/13/2023 Anthony Stamatoplos Librarian Library 02/13/2023 Courtney Gwyn Risk Management Specialist Finance/Risk 02/13/2023 David Spielvogel Recreation Coordinator Parks & Recreation 02/13/2023 Domingo Vega** Streets & Sidewalks Technician Public Works 02/13/2023 Frank Ciafone WWTP Operator A Public Utilities 02/13/2023 Jamie Gaubatz Senior Accountant Public Works 02/13/2023 Jerome Dennis Solid Waste Worker Solid Waste 02/13/2023 Kerry Vash Librarian -FT Library 02/13/2023 Raymond Johnson Utilities Electronics Technician Public Utilities 02/13/2023 Troy Schermer Customer Service Representative Finance/UCS 02/13/2023 Cover Memo City of Clearwater Main Library - Council Chambers 100 N. Osceola Avenue Clearwater, FL 33755 File Number: ID#23-0228 Agenda Date: 4/17/2023 Status: Agenda ReadyVersion: 2 File Type: Action ItemIn Control: Pension Trustees Agenda Number: 4.2 SUBJECT/RECOMMENDATION: Approve the following request of employees James Benwell, Public Works Department, Christopher Johnson, Fire Department and Antonio Notardonato, General Services Department to vest their pension as provided by Section 2.419 of the Employees’ Pension Plan. SUMMARY: James Benwell, CAD & GIS Technician, Public Works Department, was employed by the City on May 20, 2013, and his pension service credit is effective on that date. Mr. Benwell terminated from City employment on November 4, 2022. Christopher Johnson, Fire Medic/LT, Fire Department, was employed by the City on October 12, 2009, and his pension service credit is effective on that date. Mr. Johnson terminated from City employment on February 1, 2023. Antonio Notardonato, Fleet Mechanic Supervisor, General Servies Department, was employed by the City on March 12, 2012 and his pension service credit is effective on that date. Mr. Notardonato terminated from City employment on November 29, 2022. The Employees’ Pension Plan provides that should an employee cease to be an employee of the City of Clearwater or change status from full-time to part-time after completing ten or more years of creditable service (pension participation), such employee shall acquire a vested interest in the retirement benefits. Vested pension payments commence on the first of the month following the month in which the employee normally would have been eligible for retirement. Section 2.416 provides for normal retirement eligibility for non-hazardous duty employees hired prior to the effective date of this reinstatement (January 1, 2013), a member shall be eligible for retirement following the earlier of the date on which a participant has reached the age of 55 years and completed 20 years of credited service; the date on which a participant has reached age 65 years and completed 10 years of credited service; or the date on which a member has completed 30 years of service regardless of age. For non-hazardous duty employees hired on or after the effective date of this restatement, a member shall be eligible for retirement following the earlier of the date on which a participant has reached the age of 60 years and completed 25 years of credited service; or the date on which a participant has reached the age of 65 years and completed 10 years of credited service. Mr. Benwell will meet the non-hazardous duty criteria and begin collecting a pension in August of 2046. Mr. Notardonato will meet the non-hazardous duty criteria and begin collecting a pension in August of 2030. Section 2.416 provides for normal retirement eligibility for hazardous duty employees, a member shall be eligible for retirement following the earlier of the date on which the participant has completed 20 years of credited service regardless of age, or the date on which the Page 1 City of Clearwater Printed on 4/5/2023 File Number: ID#23-0228 participant has reached 55 years and completed 10 years of credited service. Mr. Johnson will meet the hazardous duty criteria and begin collecting a pension in November of 2029 APPROPRIATION CODE AND AMOUNT: N/A USE OF RESERVE FUNDS: N/A Page 2 City of Clearwater Printed on 4/5/2023 Cover Memo City of Clearwater Main Library - Council Chambers 100 N. Osceola Avenue Clearwater, FL 33755 File Number: ID#23-0229 Agenda Date: 4/17/2023 Status: Agenda ReadyVersion: 2 File Type: Action ItemIn Control: Pension Trustees Agenda Number: 4.3 SUBJECT/RECOMMENDATION: Approve the following request of James Atherholt, Parks and Recreation Department, William Brown, Parks and Recreation Department, Kevin Boaden, Fire Department, Catherine Borden, Public Utilities Department, Michael Dellavolpe, Fire Department, William Fry, Fire Department, Robert Furman, Police Department, Jay Gibson, Public Works Department, Deborah Lemon, Parks and Recreation Department, Steven McKinney, Solid Waste Department, Terri Ralat, Solid Waste Department, Edward Schultz, Fire Department, Michael Whittaker, Public Works Department, Steven Wilensky, Fire Department and Julie Wykoff, Library Department for a regular pension as provided by Sections 2.416 and 2.424 of the Employees’ Pension Plan. SUMMARY: James Atherholt. Recreation Center Manager, Parks and Recreation Department, was employed by the City on December 14, 1992, and his pension service credit is effective on that date. His pension will be effective March 1, 2023. Based on an average salary of approximately $70,604.32 over the past five years, the formula for computing regular pensions and Mr . Atherholt’s selection of the Single Life Annuity, this pension benefit will be approximately $58,663.80 annually. William Brown, Senior Parks Service Technician, Parks and Recreation Department, was employed by the City on April 28, 1986, and his pension service credit is effective on that date. His pension will be effective March 1, 2023. Based on an average salary of approximately $47,707.07 over the past five years, the formula for computing regular pensions and Mr . Brown’s selection of the Single Life Annuity with the 10% partial lump sum, this pension benefit will be approximately $42,936.48 annually. Kevin Boaden, Firefighter/Driver Operator, Fire Department, was employed by the City on April 17, 2000, and his pension service credit is effective on that date. His pension will be effective February 1, 2023. Based on an average salary of approximately $109,140.15 over the past five years, the formula for computing regular pensions and Mr. Boaden’s selection of the Joint and Survivor Annuity with the 20% partial lump sum, this pension benefit will be approximately $54,691.32 annually. Catherine Borden, Wstwtr Trtmnt Plant Oper Chief, Public Utilities Department, was employed by the City on November 15, 1993, and her pension service credit is effective on June 23, 2006. Her pension will be effective February 1, 2023. Based on an average salary of approximately $78,645.85 over the past five years, the formula for computing regular pensions and Ms . Borden’s selection of the Single Life Annuity, this pension benefit will be approximately $35,769.60 annually. Page 1 City of Clearwater Printed on 4/5/2023 File Number: ID#23-0229 Michael Dellavolpe, Firefighter/Driver Operator, Fire Department, was employed by the City on March 10, 2003, and his pension service credit is effective on that date. His pension will be effective February 1, 2023. Based on an average salary of approximately $87,818.16 over the past five years, the formula for computing regular pensions and Mr. Dellavolpe’s selection of the Single Life Annuity with the 20% partial lump sum, this pension benefit will be approximately $38, 940.02 annually. William Fry, Fire Lieutenant, Fire Department, was employed by the City on August 7, 1995, and his pension service credit is effective on that date. His pension will be effective February 1, 2023. Based on an average salary of approximately $108,381.34 over the past five years, the formula for computing regular pensions and Mr. Fry’s selection of the 50% Joint and Survivor Annuity with the 30% partial lump sum, this pension benefit will be approximately $57,782.76 annually. Robert Furman, Police Sergeant, Police Department, was employed by the City on July 20, 1998, and his pension service credit is effective on that date. His pension will be effective March 1, 2023. Based on an average salary of approximately $120,152.86 over the past five years, the formula for computing regular pensions and Mr. Furman’s selection of the Joint and Survivor Annuity, this pension benefit will be approximately $81,274.32 annually. Jay Gibson, Traffic Sign & Marketing Technician, Public Works Department, was employed by the City on February 1, 1999, and his pension service credit is effective on that date. His pension will be effective February 1, 2023. Based on an average salary of approximately $46,205.72 over the past five years, the formula for computing regular pensions and Mr . Gibson’ s selection of the Single Life Annuity, this pension benefit will be approximately $30,485.16 annually. Deborah Lemon, Senior Recreation Leader, Parks and Recreation Department, was employed by the City on April 15, 2002, and her pension service credit is effective on March 22, 2003. Her pension will be effective March 1, 2023. Based on an average salary of approximately $38,812.02 over the past five years, the formula for computing regular pensions and Ms . Lemon’s selection of the Single Life Annuity, this pension benefit will be approximately $21,269.52 annually. Steven McKinney, Solid Waste Equipment Operator, Solid Waste Department, was employed by the City on March 22, 1993, and his pension service credit is effective on that date. His pension will be effective April 1, 2023. Based on an average salary of approximately $55,460.88 over the past five years, the formula for computing regular pensions and Mr. McKinney’s selection of the 10 Year Certain and Life Annuity, this pension benefit will be approximately $45,484.80 annually. Terri Ralat, Solid Waste Operations Supervisor, Solid Waste Department, was employed by the City on June 10, 1996, and her pension service credit is effective on that date. Her pension will be effective February 1, 2023. Based on an average salary of approximately $57,901.00 over the past five years, the formula for computing regular pensions and Ms. Ralat’s selection of the Single Life Annuity with the 10% partial lump sum, this pension benefit will be Page 2 City of Clearwater Printed on 4/5/2023 File Number: ID#23-0229 approximately $38,083.32 annually. Edward Schultz, Fire Inspector II, Fire Department, was employed by the City on June 26, 2006, and his pension service credit is effective on that date. His pension will be effective July 1, 2023. Based on an average salary of approximately $96,707.52 over the past five years, the formula for computing regular pensions and Mr. Schultz’s selection of the 100% Joint and Survivor Annuity, this pension benefit will be approximately $43,464.12 annually. Michael Whittaker, Traffic Sign Technician, Public Works Department, was employed by the City on January 8, 1996, and his pension service credit is effective on that date. His pension will be effective February 1, 2023. Based on an average salary of approximately $60,845.67 over the past five years, the formula for computing regular pensions and Mr. Whittaker’s selection of the Single Life Annuity, this pension benefit will be approximately $45,270.84 annually Steven Wilensky, Firefighter/Driver Operator, Fire Department, was employed by the City on March 10, 2003, and his pension service credit is effective on that date. His pension will be effective March 1, 2023. Based on an average salary of approximately $80,953.44 over the past five years, the formula for computing regular pensions and Mr. Wilensky’s selection of the 50% Joint and Survivor Annuity with the 30% partial lump sum, this pension benefit will be approximately $30,466.08 annually. Julie Wykoff, Library Assistant, Library Department, was employed by the City on October 11, 1999, and her pension service credit is effective on that date. Her pension will be effective February 1, 2023. Based on an average salary of approximately $35,332.37 over the past five years, the formula for computing regular pensions and Ms. Wykoff’s selection of the Single Life Annuity, this pension benefit will be approximately $22,617.60 annually Section 2.416 provides for normal retirement eligibility for non-hazardous duty employees hired prior to the effective date of this reinstatement (1/1/13), a member shall be eligible for retirement following the earlier of the date on which a participant has reached the age of fifty-five (55) years and completed twenty (20) years of credited service; the date on which a participant has reached age sixty-five (65) years and completed ten (10) years of credited service; or the date on which a member has completed thirty (30) years of service regardless of age. For non-hazardous duty employees hired on or after the effective date of this restatement, a member shall be eligible for retirement following the earlier of the date on which Page 3 City of Clearwater Printed on 4/5/2023 File Number: ID#23-0229 a participant has reached the age of sixty (60) years and completed twenty-five (25) years of credited service; or the date on which a participant has reached the age of sixty-five (65) years and completed ten (10) years of credited service. Mr. Atherholt, Mr. Brown, Ms. Borden, Mr. Gibson, Ms. Lemon, Mr. McKinney, Ms. Ralat, Mr. Whittaker and Ms. Wykoff have met the non-hazardous duty criteria. Section 2.416 provides for normal retirement eligibility for hazardous duty employees, a member shall be eligible for retirement following the earlier of the date on which the participant has completed twenty (20) years of credited service regardless of age, or the date on which the participant has reached fifty-five (55) years and completed ten (10) years of credited service. Mr. Boaden, Mr. Dellavolpe, Mr. Fry, Mr. Furman, Mr. Schultz, and Mr. Wilensky has met the hazardous duty criteria. APPROPRIATION CODE AND AMOUNT: n/a USE OF RESERVE FUNDS: n/a Page 4 City of Clearwater Printed on 4/5/2023 Cover Memo City of Clearwater Main Library - Council Chambers 100 N. Osceola Avenue Clearwater, FL 33755 File Number: ID#23-0389 Agenda Date: 4/17/2023 Status: Agenda ReadyVersion: 1 File Type: Action ItemIn Control: Pension Trustees Agenda Number: 4.4 SUBJECT/RECOMMENDATION: Annual review of the Employees’ Pension Plan investment performance for the calendar and plan year ended December 31, 2022. SUMMARY: Annually a presentation of the Plan’s calendar year investment performance is made to the Trustees. For calendar 2022, the Plan realized an investment return of negative 14.9%, versus the plan’s benchmark of negative 10.41%. It was a difficult year for markets in general, and some of the plan’s typically strongest performing money managers underperformed during 2022. For the last three calendar years, the plan had an average annualized return of 3.77%, versus a benchmark of 4.52%; and for the last five calendar years, the plan had an annualized return of 5.51% versus a benchmark of 5.12%. The investment committee, with the assistance of the Plan’s investment consultant, CapTrust Advisors, meets on at least a quarterly basis to monitor asset allocation and money manager performance, and will continue to recommend money manager terminations, replacements, and/or additions when appropriate. Page 1 City of Clearwater Printed on 4/5/2023 Calendar 2022 Index Last 3 Years Index Last 5 Years Index Total Fund -14.90%-10.41%3.77%4.52%5.51%5.12% Large Cap Growth: Northern Trust Index Fund -29.09%-29.14%n/a n/a Large Cap Value: Eagle Capital Management -25.08%-7.54%3.36%5.96%6.64%6.67% Manning & Napier -3.91%-7.54%5.50%5.96%6.87%6.67% Northern Trust Index Fund -7.62%-7.54%5.92%5.96%6.63%6.67% Mid Cap Growth Artisan Partners -36.33%-26.72%3.32%3.85%8.11%7.64% Mid Cap Value Boston Partners -6.98%-12.03%n/a n/a Small Cap Growth Riverbridge Partners -32.15%-26.36%2.66%0.65%8.14%3.51% Small Cap Value Atlanta Capital Management -12.28%-20.44%5.22%3.10%8.12%4.13% Victory Sycamore -6.40%-14.48%7.09%4.70%7.31%4.13% Clearwater Employees Pension Fund Money Manager Performance thru 12/31/2022 Calendar 2022 Index Last 3 Years Index Last 5 Years Index Clearwater Employees Pension Fund Money Manager Performance thru 12/31/2022 International - EAFE WCM Investment Management - Growth -27.85%-16.00%3.52%0.07%7.57%0.88% Thompson, Siegel & Walmsley-Value -14.12%-5.58%0.91%0.65%1.18%0.17% International - Emerging Markets DFA Emerging Markets Portfolio -16.40%-20.09%0.25%-2.69%-0.18%-1.40% Fixed Income Dodge & Cox -10.57%-13.01%-1.31%-2.71%0.94%0.02% Western Asset Management -13.94%-13.01%-2.68%-2.71%0.06%0.02% Calendar 2022 Index Last 3 Years Index Last 5 Years Index Clearwater Employees Pension Fund Money Manager Performance thru 12/31/2022 Real Estate - Core Multi-Employer Property Trust 7.81%7.47%9.06%9.93%7.60%8.68% Real Estate - Core Plus Intercontinental U.S. Real Estate Investment 7.39%7.47%9.16%9.93%8.95%8.68% USAA US Government Building Fund 13.80%7.47%14.40%9.93%11.05%8.68% Real Estate - REITs Security Capital -27.59%-26.75%0.07%-0.50%3.39%3.36% Real Estate - Timber Hancock Timber XI 0.26%12.90%3.19%7.51%3.29%5.37% Molpus Woodlands Fund III 1.98%12.90%7.74%7.51%4.66%5.37% Molpus Woodlands Fund IV 0.42%12.90%4.49%7.51%2.38%5.37% Infrastructure IFM Global Infrastructure 8.16%-18.14%9.41%4.94%12.14%6.14% Q4 22Period Ending 12.31.22 | Tampa, FL 33602 400 N. Tampa Street, Suite 1800 Our mission is to enrich the lives of our clients, colleagues and communities through sound financial advice, integrity, and a commitment to service beyond expectation. CAPTRUST QUARTERLY REVIEW City of Clearwater 4th Quarter, 2022 DEFINED CONTRIBUTION City Of Clearwater Employees' Pension Plan Q4 22Period Ending 12.31.22 |in this review City Of Clearwater Employees' Pension Plan 4th Quarter, 2022 Quarterly Review prepared by: Principal | Financial Advisor Eric Bailey Section 1 RETIREMENT INDUSTRY UPDATES Section 2 MARKET COMMENTARY AND REVIEW Section 3 EXECUTIVE SUMMARY Appendix 2 City Of Clearwater Employees' Pension Plan Q4 22Period Ending 12.31.22 |section 1 : retirement industry updates 3 Q4 22Period Ending 12.31.22 |defined benefit marketplace —industry update RATE ELECTION OPTIONS: MINIMUM REQUIRED FUNDING After a decade of steady decreases, interest rates jumped in 2022. Rising rates provided a headwind for fixed income returns,but many pension plan sponsors welcome higher liability discount rates and improved funding levels. With the reversal in interest rate trends,plan sponsors should refresh their understanding of how elective rate choices can impact minimum required contributions and variable-rate PBGC premiums. *Most recent date available, as of publication date The American Rescue Plan act of 2021 provided plan sponsors significant minimum required plan funding relief, both eliminating any existing shortfall and extending the amortization period for any future shortfall. If desirable, plan sponsors may be able to further reduce minimum required contributions by electing to use the full yield curve discount rate methodology. Note that elections generally must stay in place for five years. Your plan actuary can quantitatively estimate the impact of the change and identify potential tradeoffs with changing approaches. SEGMENT RATES (MORE COMMON) •Segment rates approximate averages of high-quality U.S. corporate bond yields over 25 years, subject to corridors. •Currently, long-term averaging results in slowly declining segments rates and increases in the funding target liability. •Due to calculation methodology, sponsors can expect these rates to steadily decline in the coming years. FULL YIELD CURVE (ALTERNATIVE ELECTION) •Full yield curve is marked-to-market approach like economic value with no corridors, •Currently, likely to produce lower liability because of rapidly rising interest rates. •The valuation may be more closely tied to capital markets, so increased liability volatility may be managed by high allocations to liability-hedging assets. 4 Q4 22Period Ending 12.31.22 |defined benefit marketplace —industry update RATE ELECTION OPTIONS: PBGC PREMIUMS Currently, most plan sponsors use the alternative premium funding target method to calculate variable-rate PBGC premiums since this election created smaller variable-rate premiums in the recent past. However, due to rising rates in 2022, the standard premium method will generally produce a higher discount rate in—and smaller funding shortfall—than the spot segment rates used in the alternative premium funding target. Plan sponsors may see PBGC premium reductions by shifting elections. * 2023 estimate reflects most recent date available as of the publication date Plan sponsors looking to manage variable-rate PBGC costs may want to explore whether transitioning from the alternative premium funding target method to the standard premium funding target methodology can cause a premium reduction. Quantitative estimates of the impact provided by a plan actuary should be weighed against potential tradeoffs with changing elections, including the five-year commitment period. ALTERNATIVE PREMIUM FUNDING TARGET (MORE COMMON) •Links discount methodology to the choice of minimum required contributions highlighted on previous page, although corridors do not apply to PBGC segment rate calculation. •The segment rates below include a lookback to September of the previous year, while the full yield curve (FYC) includes a one-month lookback with exception.* STANDARD PREMIUM FUNDING TARGET (OPTIONAL ELECTION) •Reflects a one-month average of high-quality U.S. corporate bond rates across three segments. •Economically sensitive, similar to the full yield curve used for minimum funding calculations. •The rates for the plan years below reflect a one-month look back to December of the previous calendar year, with exception.* 5 City Of Clearwater Employees' Pension Plan Q4 22Period Ending 12.31.22 |section 2 : market commentary and review 6 Q4 22Period Ending 12.31.22 |market commentary A WELCOME REPRIEVE Investors grew optimistic over the first half of the fourth quarter, anticipating the Federal Reserve was near the end of its tightening cycle. However, the excitement faded as Chairman Powell cautioned that conditions would need to remain restrictive for some time. Asset class returns are represented by the following indexes: Bloomberg U.S. Aggregate Bond Index (U.S. bonds), S&P 500 Index (U.S. large-cap stocks), Russell 2000® (U.S. small-cap stocks), MSCI EAFE Index (international developed market stocks), MSCI Emerging Market Index (emerging market stocks), Dow Jones U.S. Real Estate Index (real estate), and Bloomberg Commodity Index (commodities). •Gains early in the quarter were more than enough to offset December declines, leading to positive quarterly results across nearly all asset classes. •U.S. stock market gains were broad based. The energy sector remained at the top of the charts, posting a 25% quarterly return. On the flip side, the mega-cap growth darlings of the last decade lagged. •Outside the U.S., investors benefited from both rising stock prices and a weakening U.S. dollar. •Bond yields were volatile, seesawing based on every Fed whisper. Despite these swings, longer-term Treasury yields ended the quarter little changed, enabling bond markets to post a modest return for the quarter. •Even with a year-end rally, public real estate lost approximately one-quarter of its value in 2022. •Commodities were the sole bright spot for the year despite rising recession concerns.Q4 2022 2022 U.S.Bonds Emerging MarketsStocks CommoditiesRealEstateDevelopedInternational Stocks U.S. Large- Cap Stocks U.S. Small-Cap Stocks 4.4%6.2% 9.8% 7.6% 17.4% 1.9%2.2% -25.2% -20.4%-19.7%-18.1% -14.0%-13.0% 16.1% 7 Q4 22Period Ending 12.31.22 | YTD 2022 Value Blend Growth Large -7.5%-18.1%-29.1% Mid -12.0%-17.3%-26.7% Small -14.5%-20.4%-26.4% market commentary Q42022 YTD 2022 Last 12 Months U.S. Stocks 7.5%-18.1%-18.1% •Q4 Best Sector: Energy 22.7%65.4%65.4% •Q4 Worst Sector: Consumer Discretionary -10.2%-37.0%-37.0% International Stocks 17.4%-14.0%-14.0% Emerging Markets Stocks 9.8%-19.7%-19.7% 12.31.22 9.30.22 12.31.21 1-Year U.S. Treasury Yield 4.73%4.05%0.09% 10-Year U.S. Treasury Yield 3.88%3.83%1.52% QTD 2022 YTD 2022 Last 12 Months 10-Year U.S. Treasury Total Return 0.62%-16.33%-16.33% Q4 2022 Value Blend Growth Large 12.4%7.5%2.2% Mid 10.5%9.2%6.9% Small 8.4%6.2%4.1% DIGGING DEEPER: STOCKS AND BONDS Fixed Income Equities –Relative Performance by Market Capitalization and Style Equities Last 12 Months Value Blend Growth Large -7.5%-18.1%-29.1% Mid -12.0%-17.3%-26.7% Small -14.5%-20.4%-26.4% Sources: Bloomberg, U.S. Treasury. Asset class returns are represented by the following indexes: S&P 500 Index (U.S. stocks),MSCI EAFE Index (international developed market stocks), and MSCI Emerging Markets Index (emerging market stocks). Relative performance by market capitalization and style is based upon the Russell US Style Indexes except for large-cap blend, which is based upon the S&P 500 Index. 8 Q4 22Period Ending 12.31.22 |market commentary Source: Bloomberg. All calculations are cumulative total return, not annualized, including dividends for the stated period. Past performance is not indicative of future returns. DIGGING DEEPER: U.S. EQUITY MARKETS The S&P 500 Index is a market-capitalization-weighted index of U.S. large-cap stocks across a diverse set of industry sectors. The stocks represented in these 11 sectors generated a range of returns for the last 12 months and the most recent quarter. Returns by S&P 500 Sector Sector Weight 25.7%15.8%11.7%9.8%8.7%7.3%7.2%5.2%3.2%2.7%2.7% -18.1% -28.2% -2.0% -10.6% -37.0% -5.5% -39.9% -0.6% 65.4% 1.6% -12.3% -26.2% 7.5%4.7% 12.8%13.6% -10.2% 19.2% -1.4% 12.7% 22.7% 8.6%15.0% 3.8% Last 12 Months Q4 2022 FinancialsTechnologyHealth Care Industrials Energy Consumer Discretionary Consumer Staples Communication Services Utilities MaterialsS&P 500 Index Real Estate 9 Q4 22Period Ending 12.31.22 |market commentary Interest Rates 3 Months 2 Years 5 Years 10 Years 30 Years Mortgage Rate September 2022 3.33%4.22%4.06%3.83%3.79%7.06% December 2022 4.42%4.41%3.99%3.88%3.97%6.66% Change 1.09%0.19%-0.07%0.05%0.18%-0.40% DIGGING DEEPER: FIXED INCOME MARKET U.S. Treasury yields continued moving higher last quarter, driven by an aggressive Fed response to high inflation. Mortgage rates moved lower, yet remain near their highest levels in two decades, cooling demand in a hot housing market. .Bloomberg U.S. Aggregate Bond Index Yield to Worst Duration Total Return Q4 2022 Spread Treasury Rate AA Spread BBB Spread September 2022 4.75%6.20 1.87% 0.62%4.13%0.79%1.93% December 2022 4.68%6.17 0.51%4.17%0.73%1.59% Change -0.07%-0.03 -0.11%0.04%-0.06%-0.34% Performance for core bonds was modestly positive for the quarter, but still declined 13% over the past year. Credit spreads and yields moved lower for core fixed income, contributing to positive quarterly performance. . Bloomberg U.S. Long Credit Index Yield to Worst Duration Total Return Q4 2022 Spread Treasury Rate AA Spread BBB Spread September 2022 5.89%12.63 5.30% 1.96%3.93%1.31%2.38% December 2022 5.59%12.81 1.57%4.02%1.06%1.93% Change -0.31%0.18 -0.39%0.08%-0.25%-0.45% Performance for longer-maturity bonds was boosted this quarter by lower yields and tighter credit spreads. Sources: Bloomberg, U.S. Treasury, CAPTRUST Research 10 DIVERSIFICATION FAILEDQ4 2022 SYNERGYSource: Bloomberg, CAPTRUST Research. Bond returns are represented by the Bloomberg U.S. Aggregate Bond Index. Stock returns are represented by the S&P 500 Index. ‐13.0%‐13.4%‐13.8%‐14.3%‐14.8%‐15.3%‐15.8%‐16.3%‐16.9%‐17.5%‐18.1%‐50%‐25%0%25%50%75%Bonds100%Stocks0%Bonds90%Stocks10%Bonds80%Stocks20%Bonds70%Stocks30%Bonds60%Stocks40%Bonds50%Stocks50%Bonds40%Stocks60%Bonds30%Stocks70%Bonds20%Stocks80%Bonds0%Stocks100%Bonds10%Stocks90%Range of Rolling 12-Month ReturnsJanuary 1976 – December 2021When Low Risk Assets Deliver High Risk Losses2022 ReturnPeriod Ending 12.31.22|Q4 22market commentary11 Q4 22Period Ending 12.31.22 | HEADWINDS Learning as We Go •It is difficult to forecast the market environment in 2023 when everyone, including the Fed, is learning as they go. Ongoing uncertainty about rate hikes is driving volatility. •Because Fed policy acts with a lag, the economy has yet to feel the impact of 2022’s 4.25% rate hikes. The Fed is also expected to shrink its balance sheet this year, with uncertain impact. Rising Interest Rates •The financial pain of surging interest rates will transition from the investor to the issuer as coupon payments reset higher. •Nearly 20% of S&P 500 companies’ debt matures in the next 24 months, and $6 trillion of Treasury debt matures in 2023. Housing Shock •The doubling of mortgage rates has caused a collapse in residential real estate activity. •The impact on home prices is unknown, but weakness is unlikely to result in a crisis as both consumers and banks remain in healthier financial positions. market commentary TAILWINDS ECONOMIC OUTLOOK Though inflation has receded from its 40-year high witnessed earlier in 2022, the Federal Reserve remains committed to lowering inflation to its long-term target. This resolve threatens economic growth, and its impact can already be seen in the housing market. A robust labor market, while cushioning the economy, could prolong Fed tightening, causing investors to focus on the potential depth of an economic slowdown. The wide range of future outcomes and an uncertain policy environment limits the ability to create a singular forecast with confidence. Investors should remain vigilant, diversified, and prepared for ongoing volatility. Stronger Foundation •With interest rates near zero for the last decade, investors have been forced to take more risk. With the reestablishment of a positive risk-free rate, investors can approach risk out of conviction. •While near-term questions remain, this more fundamental approach toward risk-taking should provide a stronger foundation for investment outcomes. Resilient Labor Market •While the labor market’s strength contributes to inflation pressures, it also protects economic activity in the face of the Fed’s tightening programs. •The Fed’s focus is to return inflation to its 2% long-term target. However, lowering inflation below wage growth should be the minimal threshold, allowing positive real income improvement. Pandemic Effects Reversing •Subsiding supply-chain constraints, gas prices, COVID-related restrictions in China, and inflation could improve consumer sentiment and spending. 12 Federal Reserve Tightening PaceSTOMPING THE ECONOMIC BRAKES – FED FUND HIKESQ4 2022 SYNERGY1983-19841986-19891994-19951999-20002004-20062015-201820220.00.51.01.52.02.53.03.54.04.55.0Market Expectations for Terminal Rate: 5.1%Months Relative to the First Rate HikeFed Funds Rate HikesSource: Board of Governors of the Federal Reserve System (U.S.), CAPTRUST Research (as of 12.31.2022)Period Ending 12.31.22|Q4 22market commentary13 2022 Yield Curve Changes YIELD CURVE INVERSIONQ4 2022 SYNERGYSource: Bloomberg, CAPTRUST Research0.04%0.38%0.73%0.96%1.26%1.44%1.51%1.93%1.90%4.33%4.33%3.70%3.27%2.74%2.53%2.37%2.22%2.07%4.37%4.71%4.43%4.23%4.00%3.97%3.88%4.15%3.97%3M 1Y 2Y 3Y 5Y 7Y 10Y 20Y 30YU.S. Treasury Yields - 12.31.20212022 ChangeU.S. Treasury Yields - 12.31.2022Period Ending 12.31.22|Q4 22market commentary14 Q4 22Period Ending 12.31.22 |market commentary 2023 MARKET SCENARIOS Investors should look forward with a healthy dose of humility as the range of potential outcomes for 2023 remains wider than normal. Below, we outline four different narratives that represent realistic paths for 2023, with each scenario leading to a different investment landscape. POTENTIAL OUTCOME OUTCOME #1 MISSION ACCOMPLISHED OUTCOME #2 MILD RECESSION OUTCOME #3 OVERSHOOTING TARGET OUTCOME #4 STAGFLATION CRISIS FED POLICY The Fed achieves a soft landing, and the tightening cycle ends by mid-year Inflation and a continued tight labor market force the Fed to keep rates higher for longer The Fed is hesitant to reverse course too early, fearing a repeat of prior inflation-fighting policy errors Despite aggressive measures, Fed tools prove insufficient to manage supply-side constraints INFLATION Inflation subsides as labor market excesses are withdrawn without significant impact to unemployment levels Inflation is tamed but remains sticky, despite improvements in pandemic-distorted categories Inflation recedes faster than expected as the Fed's tightening pace proves too aggressive A warp-speed rate hike cycle slows global economies while rising debt levels and housing weakness weigh on consumer spending CORPORATIONS Corporations adeptly manage through the slowing environment Corporations navigate the slowing environment without significant strain Profits come under pressure as demand wanes, leading to job cuts and rising unemployment Corporations are forced to cut jobs amid economic weakness while the Fed is unable to pivot due to inflation FINANCIAL MARKETS Markets are noisy early in the year but stabilize and move higher as valuations recover, signaling the start of a new bull market Markets are choppy with a widening gap between winners and losers Confused investors capitulate, sending markets lower as it becomes evident the Fed has made a different type of policy error Markets reach new lows as the severity of an economic slowdown is debated 15 Q4 22Period Ending 12.31.22 |market commentary STRONGER RISK-FREE FOUNDATION OBSERVATIONS •For much of the last decade, investors have coped with a near-zero risk-free rate. Central banks made it expensive to maintain a conservative portfolio. Consequently, investors with return requirements were forced to accept higher risk. This capital shift pulled future returns to the present, flattening the slope of the Capital Market Line. •Normalizing the risk-free rate—a fundamental data point in nearly every business and investment calculation—was always going to be disruptive. The Fed amplified this disruption with the pace of its 2022 rate hikes. Businesses and investors will continue to feel reverberations for much of 2023. •Despite near-term challenges, these policy actions should create a stronger foundation to support the next decade of investing. The Capital Market Line principle connects risk with return and is a foundational concept in finance. It begins with the risk-free rate and argues that investors demand higher expected returns for each additional unit of risk. There are two critical variables—the risk-free level where the line starts, and the slope of the line—reflecting the incremental demand for return for each additional unit of risk. ReturnRisk Risk Premium Zero Interest Rate Era (2009 –2021)ReturnRisk Risk Free Return Risk Premium December 2022 16 Q4 22Period Ending 12.31.22 |market commentary A TALE OF TWO ECONOMIC INDICATORS OBSERVATIONS •The economy continues to add 200,000+ jobs each month. Early retirements and shifting demographics have lowered labor force participation. Surging demand and dwindling supply of workers have increased wage pressures, contributing to inflation woes. •Demand for housing has fallen precipitously since the Fed began raising rates in March. New and existing home sales have declined 31% since January 2022. Housing permits, a leading indicator of housing demand, have also dropped 11%, indicating the Fed’s campaign has all but paralyzed the housing market. The Federal Reserve’s efforts to tame inflation are taking effect as the pace of inflation has slowed consistently since June. Two other closely watched indicators are the U.S. labor and housing markets. While rising mortgage rates have cooled red-hot home sales, employment tells a different story. A softer labor market is necessary before the Fed can wind down its fight against inflation. Sources: U.S. Bureau of Labor Statistics, U.S. Census Bureau, Freddie Mac, National Association of Realtors, CAPTRUST Research 0 200 400 600 800 Jan-21 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 U.S. Nonfarm Payroll Employment (in thousands) Monthly Change 3-Month Average 2 4 6 8 3,000 4,500 6,000 7,500 9,000 2002 2006 2009 2012 2015 2019 2022 Rising Mortgage Rates Pressuring Home Sales 30-Year Fixed Mortgage Rate (%)Home Sales (thousands, left) 17 Q4 22Period Ending 12.31.22 |market commentary REFINANCING AT HIGHER RATES OBSERVATIONS •More than 50% of debt for the U.S. Treasury and corporate markets (represented by S&P 500 constituents) will mature by 2026. •Nearly 60% of U.S. Treasury bonds mature in the next five years, including more than $6 trillion in 2023. As this debt is refinanced at higher rates, the U.S. government’s interest payments will also rise, potentially driving up national debt and budget deficits. •Over $1 trillion of corporate debt, or approximately 20%, matures in the next 24 months. As interest rates rise from near-zero level and debt matures in both the U.S. Treasury and corporate markets, the government and companies will be forced to refinance at notably higher rates. Sources: Bloomberg, Strategas, CAPTRUST Research $0 $4,000 $8,000 $12,000 $16,000 2022- 2026 2027- 2031 2032- 2036 2037- 2041 2042- 2046 2047- 2051+ U.S. Treasury & Corporate Debt Maturity Schedule (in billions) U.S. Treasury Debt Corporate Debt (S&P 500) 2022-2026 56% 2027-2031 23% 2032-2036 3% 2037-2041 5% 2042-2046 5% 2047- 2051+ 8% Percent of Treasury & Corporate Debt Maturing 18 Q4 22Period Ending 12.31.22 | 0 5 10 15 20 25 30 1997 1999 2001 2003 2005 2007 2009 2011 2013 2015 2017 2019 2021 market commentary Sources: Bloomberg, Robert Shiller, NASDAQ, CAPTRUST Research. Price-to-earnings (P/E) ratio is price divided by consensus analyst estimates of earnings per share for the next 12 months provided by Bloomberg. Average P/E and standard deviations are calculated using 25 years of history. Shiller’s P/E uses trailing 10 years of inflation-adjusted earnings as reported by companies. Dividend yield is calculated as the current year's consensus dividend divided by the most recent price. Price-to-book (P/B) ratio is the price divided by book value per share. Price-to-cash-flow (P/CF) ratio is the price divided by cash flow for the next 12 months. Standard deviation over-/undervalued is calculated using the average and standard deviation for each measure. Current: 17.2x -1 Std Dev: 13.9x 25-Year Average: 17.2x +1 Std Dev: 20.7x Valuation Measure Description Latest 25-Year Average Std Dev Over-/Under- Valued Inception Year P/E Forward P/E 17.2x 17.2x 0.0x 1997 CAPE Shiller’s P/E 29.7 28.0 0.3 1997 Div. Yield Dividend Yield 1.7%2.0%-0.9 2006 P/B Price to Book 3.9 3.1 0.9 1997 P/CF Price to Cash Flow 12.0 10.9 0.5 2006 S&P 500 Index: Forward P/E Ratio 19 Q4 22Period Ending 12.31.22 |asset class returns Source: Markov Processes, Inc., Bloomberg, MobiusThe information contained in this report is from sources believed to be reliable but is not warranted by CAPTRUST to be accurate or complete. Small-Cap Value Stocks (Russell 2000 Value)Large-Cap Value Stocks (Russell 1000 Value)International Equities (MSCI EAFE) Small-Cap Growth Stocks (Russell 2000 Growth)Mid-Cap Growth Stocks (Russell Mid-Cap Growth)Fixed Income (Bloomberg U.S. Aggregate Bond) Large-Cap Growth Stocks (Russell 1000 Growth)Mid-Cap Value Stocks (Russell Mid-Cap Value)Cash (Merrill Lynch 3-Month Treasury Bill) 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Mid-Cap Growth46.29% Small-Cap Growth29.09% Fixed Income7.84% Mid-Cap Value18.51% Small-Cap Growth43.30% Mid-Cap Value14.75% Large-Cap Growth5.67% Small-Cap Value31.74% Large-Cap Growth30.21% Cash1.87% Large-Cap Growth36.39% Large-Cap Growth38.49% Mid-Cap Value28.34% Cash1.46% Large-Cap Growth37.21% Mid-Cap Growth26.38% Large-Cap Growth2.64% Small-Cap Value18.05% Mid-Cap Growth35.74% Large-Cap Value13.45% Fixed Income0.55% Mid-Cap Value20.00% International Equities25.62% Fixed Income0.01% Mid-Cap Growth35.47% Mid-Cap Growth35.59% Small-Cap Value28.27% Large-Cap Value-7.54% Small-Cap Growth 34.47% Mid-Cap Value 24.75% Large-Cap Value 0.39% International Equities 17.90% Small-Cap Value 34.52% Large-Cap Growth 13.05% Cash 0.05% Large-CapValue 17.34% Mid-CapGrowth 25.27% Large-Cap Growth -1.51% Small-CapGrowth 28.48% Small-CapGrowth 34.63% Large-Cap Growth 27.60% Mid-Cap Value -12.03% Mid-Cap Value34.21% Small-Cap Value24.50% Cash0.10% Large-Cap Value17.51% Large-Cap Growth33.48% Mid-Cap Growth11.90% Mid-Cap Growth-0.20% Small-Cap Growth11.32% Small-CapGrowth22.17% Mid-CapGrowth-4.75% Mid-Cap Value27.06% International Equities8.28% Large-CapValue25.16% Fixed Income-13.01% International Equities32.46% Large-Cap Growth16.71% Mid-Cap Value-1.38% Mid-Cap Growth15.81% Mid-Cap Value33.46% Fixed Income5.97% International Equities-0.39% Mid-Cap Growth7.33% Large-Cap Value13.66% Large-Cap Value-8.27% Large-Cap Value26.54% Fixed Income7.51% Mid-Cap Growth12.73% International Equities-14.01% Small-Cap Value 20.58% Large-Cap Value 15.51% Mid-Cap Growth -1.65% Large-Cap Growth 15.26% Large-Cap Value 32.53% Small-Cap Growth 5.60% Small-Cap Growth -1.38% Large-Cap Growth 7.08% Mid-Cap Value 13.34% Small-CapGrowth -9.31% International Equities 22.66% Mid-Cap Value 4.96% International Equities 11.78% Small-Cap Value -14.48% Large-Cap Value19.69% International Equities8.21% Small-Cap Growth-2.91% Small-Cap Growth14.59% International Equities23.29% Small-Cap Value4.22% Large-CapValue-3.83% Fixed Income2.65% Small-Cap Value7.84% Mid-Cap Value-12.29% Small-Cap Value22.39% Small-Cap Value4.63% Small-CapGrowth2.83% Small-CapGrowth-26.36% Fixed Income5.24% Fixed Income5.89% Small-Cap Value-5.50% Fixed Income4.22% Cash0.07%Cash0.03% Mid-Cap Value-4.78% International Equities1.51% Fixed Income3.54% Small-Cap Value-12.86% Fixed Income8.72% Large-Cap Value2.80% Cash0.05% Mid-Cap Growth-26.72% Cash 0.21% Cash 0.13% International Equities-11.73% Cash 0.11% Fixed Income-2.02% InternationalEquities-4.48% Small-Cap Value-7.47% Cash 0.33% Cash 0.86% International Equities-13.36% Cash 2.28% Cash 0.67% Fixed Income-1.54% Large-Cap Growth-29.14% 20 Q4 22Period Ending 12.31.22 |index performance Sources:Morningstar Direct, MPI. The opinions expressed in this report are subject to change without notice. This material has been prepared or is distributed solely for informational purposes and is not a solicitation or an offer to buy any security or to participate in any investment strategy. The performance data quoted represents past performance and does not guarantee future results. Index averages are provided for comparison purposes only. The information and statistics in this report are from sources believed to be reliable but are not guaranteed to be accurate or complete. CAPTRUST is an investment adviser registered under the Investment Advisers Act of 1940. INDEXES Q4 2022 YTD 2021 2020 2019 2018 2017 1 YEAR 3 YEARS 5 YEARS 10 YEARS 90-Day U.S.Treasury 0.84%1.46%0.05%0.67%2.28%1.87%0.86%1.46%0.72%1.26%0.76% Bloomberg Government 1-3 Year 0.73%-3.81%-0.60%3.14%3.59%1.58%0.45%-3.81%-0.46%0.74%0.66% Bloomberg Intermediate Govt 1.01%-7.73%-1.69%5.73%5.20%1.43%1.14%-7.73%-1.38%0.46%0.69% Bloomberg Muni Bond 4.10%-8.53%1.52%5.21%7.54%1.28%5.45%-8.53%-0.77%1.25%2.13% Bloomberg Intermediate Govt/Credit 1.54%-8.23%-1.44%6.43%6.80%0.88%2.14%-8.23%-1.26%0.73%1.12% Bloomberg Intermediate Credit 2.52%-9.10%-1.03%7.08%9.52%0.01%3.67%-9.10%-1.23%1.08%1.75% Bloomberg Aggregate Bond 1.87%-13.01%-1.54%7.51%8.72%0.01%3.54%-13.01%-2.71%0.02%1.06% Bloomberg Corporate IG Bond 3.63%-15.76%-1.04%9.89%14.54%-2.51%6.42%-15.76%-2.88%0.45%1.96% Bloomberg High Yield 4.17%-11.19%5.28%7.11%14.32%-2.08%7.50%-11.19%0.05%2.31%4.03% Bloomberg Global Aggregate 4.55%-16.25%-4.71%9.20%6.84%-1.20%7.39%-16.25%-4.48%-1.65%-0.44% Bloomberg U.S. Long Corporate 5.40%-25.62%-1.13%13.94%23.89%-7.24%12.09%-25.62%-5.72%-0.75%2.23% S&P 500 7.56%-18.11%28.71%18.40%31.49%-4.38%21.83%-18.11%7.66%9.42%12.56% Dow Jones Industrial Average 16.01%-6.86%20.95%9.72%25.34%-3.48%28.11%-6.86%7.32%8.37%12.30% NASDAQ Composite -1.03%-33.10%21.39%43.64%35.23%-3.88%28.24%-33.10%5.27%8.67%13.23% Russell 1000 Value 12.42%-7.54%25.16%2.80%26.54%-8.27%13.66%-7.54%5.96%6.66%10.29% Russell 1000 7.24%-19.13%26.45%20.96%31.43%-4.78%21.69%-19.13%7.35%9.13%12.37% Russell 1000 Growth 2.20%-29.14%27.60%38.49%36.39%-1.51%30.21%-29.14%7.78%10.95%14.09% Russell Mid-Cap Value Index 10.45%-12.03%28.34%4.96%27.06%-12.29%13.34%-12.03%5.82%5.72%10.10% Russell Mid-Cap Index 9.18%-17.32%22.58%17.10%30.54%-9.06%18.52%-17.32%5.88%7.10%10.95% Russell Mid-Cap Growth Index 6.90%-26.72%12.73%35.59%35.47%-4.75%25.27%-26.72%3.85%7.64%11.40% MSCI EAFE 17.40%-14.01%11.78%8.28%22.66%-13.36%25.62%-14.01%1.34%2.03%5.16% MSCI ACWI ex U.S.14.37%-15.57%8.29%11.13%22.13%-13.78%27.77%-15.57%0.53%1.36%4.28% Russell 2000 Value 8.42%-14.48%28.27%4.63%22.39%-12.86%7.84%-14.48%4.70%4.12%8.47% Russell 2000 6.23%-20.44%14.82%19.96%25.52%-11.01%14.65%-20.44%3.10%4.12%9.01% Russell 2000 Growth 4.13%-26.36%2.83%34.63%28.48%-9.31%22.17%-26.36%0.65%3.50%9.20% MSCI Emerging Markets 9.79%-19.74%-2.22%18.69%18.90%-14.25%37.75%-19.74%-2.34%-1.03%1.81% Dow Jones U.S. Real Estate Index 4.44%-25.17%38.99%-5.29%28.92%-4.03%9.84%-25.17%-0.50%4.03%6.65% HFRX Absolute Return Index -0.31%0.85%2.10%2.72%4.37%-0.49%3.39%0.85%1.89%1.90%2.03% Consumer Price Index (Inflation)0.46%6.42%7.10%1.28%2.26%1.92%2.13%6.42%4.90%3.77%2.57% BLENDED BENCHMARKS Q4 2022 YTD 2021 2020 2019 2018 2017 1 YEAR 3 YEARS 5 YEARS 10 YEARS 25% S&P 500/5% MSCI EAFE/70% BB Agg 4.13%-14.08%6.13%10.87%14.96%-1.55%8.93%-14.08%0.36%2.73%4.26% 30% S&P 500/10% MSCI EAFE/60% BB Agg 5.18%-14.35%8.27%11.56%16.79%-2.44%10.90%-14.35%1.14%3.34%5.07% 35% S&P 500/15% MSCI EAFE/50% BB Agg 6.23%-14.64%10.44%12.18%18.63%-3.34%12.90%-14.64%1.88%3.93%5.87% 40% S&P 500/20% MSCI EAFE/40% BB Agg 7.28%-14.96%12.64%12.75%20.48%-4.25%14.93%-14.96%2.60%4.50%6.65% 45% S&P 500/25% MSCI EAFE/30% BB Agg 8.33%-15.28%14.87%13.25%22.33%-5.17%16.99%-15.28%3.29%5.04%7.42% 60% S&P 500/40% Bloomberg Barclays Agg 5.39%-15.79%15.86%14.73%22.18%-2.35%14.21%-15.79%3.83%5.96%8.09% 21 Q4 22Period Ending 12.31.22 | POWER OF COMPOUNDING RETURNS 2022 was a difficult year for capital markets; however, investors should remember the long-term importance of compounding. The hypothetical illustration below assumes a single, one-time investment in U.S. stocks based on historical performance. As time elapses, the percentage of a portfolio's value attributable to growth via capital appreciation increases. For example, 36% of the value of an investment made five years ago (with an ending time period of December 2022—the current bear market) is from compounding returns, while 64% is from the initial lump-sum investment. For an investment made 25 years ago, 84% of today’s value is from compounding. The behavioral component of disciplined and systematic investing—during both bull and bear markets—is key to achieving positive long-term investment outcomes. Sources: Morningstar Direct; CAPTRUST Research. S&P 500 Index total returns based on trailing monthly annualized performance for all month-end time periods from 1972 through December 2022. Past performance is not a guarantee of future results. 0% 20% 40% 60% 80% 100% 2 Years 8 Years 14 Years 20 Years 26 Years 32 Years 38 Years 44 Years 50 Years % of Portfolio Value Attributed to Compounding% of Portfolio Value Attributed to Initial Investment Years Since Investment (As of December 31, 2022) market commentary 22 City Of Clearwater Employees' Pension Plan Q4 22Period Ending 12.31.22 |section 3 : executive summary 23 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Total Fund Net Cash Flow $0 $476,000,000 $952,000,000 $1,428,000,000 $1,904,000,000 ($476,000,000) ($952,000,000)Market ValueDec-87 Mar-90 Jun-92 Sep-94 Dec-96 Mar-99 Jun-01 Sep-03 Dec-05 Mar-08 Jun-10 Sep-12 Dec-14 Mar-17 Jun-19 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Total Fund 01/31/1988 Beginning Market Value $1,083,752,173 $1,377,994,846 $1,250,564,714 $1,118,379,549 $960,410,378 $91,459,988 Net Contributions -$9,946,642 -$41,892,540 -$38,323,377 -$34,514,411 -$33,121,073 -$311,679,884 Net Investment Return $59,037,489 -$203,259,287 $165,753,509 $166,699,576 $191,090,244 $1,353,062,915 Ending Market Value $1,132,843,019 $1,132,843,019 $1,377,994,846 $1,250,564,714 $1,118,379,549 $1,132,843,019 City of Clearwater - Total Fund MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 24 TARGET ALLOCATION ACTUAL ALLOCATION HISTORIC ALLOCATION TREND 0 25 50 75 100 QUARTERLY HISTORIC ALLOCATION TREND 03 20 (%) 06 20 (%) 09 20 (%) 12 20 (%) 03 21 (%) 06 21 (%) 09 21 (%) 12 21 (%) 03 22 (%) 06 22 (%) 09 22 (%) 12 22 (%) 29.67 28.47 27.85 28.15 28.36 28.19 27.34 28.74 27.80 28.85 27.89 29.92 ¢ 38.21 39.83 40.15 41.01 41.31 41.05 41.50 39.98 39.71 37.06 37.64 35.99¢ 16.70 18.04 18.71 18.43 17.93 18.36 18.18 17.90 17.14 16.47 15.79 16.41 ¢ 15.41 13.66 13.30 12.42 12.40 12.40 12.97 13.39 15.35 17.61 18.69 17.69¢ 0.00 - - - - - - - - - - - ¢ ASSET REBALANCING ANALYSIS Asset Class Asset Allocation (%) Target Allocation (%) (+/-) Variance (%) Total Fund 100.00 100.00 0.00¢ Fixed Income Comp 29.92 28.00 1.92¢ Domestic Equity Comp 35.99 39.00 -3.01¢ International EQ Comp 16.41 18.00 -1.59¢ Real Estate Comp 17.69 15.00 2.69¢ City of Clearwater ASSET ALLOCATION SUMMARY Period Ending 12.31.22 |Q4 22 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. For Institutional Use Only. 25 MANAGER NAME CASH INVESTED CASH (%) TOTAL TARGET (%) ACTUAL (%)VARIANCE (%) Dodge & Cox $2,355,268 $151,128,805 1.53 $153,484,073 -13.55 - In House Account $37,609,973 - 100.00 $37,609,973 -3.32 - Security Lending Income Account $159,146 $2,285 98.58 $161,430 -0.01 - Western Asset Management Co.-$9,988,539 $157,677,648 -6.76 $147,689,109 -13.04 - Fixed Income Comp $30,135,848 $308,808,738 8.89 $338,944,586 28.00 29.92 1.92 Eagle Capital Management $1,871,062 $41,768,623 4.29 $43,639,686 -3.85 - Manning and Napier $610,169 $40,804,478 1.47 $41,414,648 -3.66 - NTGI-QM R1000G - $135,593,144 - $135,593,144 -11.97 - NTGI-QM R1000V - $67,546,777 - $67,546,777 -5.96 - Artisan Partners $1,569,055 $30,743,955 4.86 $32,313,010 -2.85 - Boston Partners $1,044,927 $41,205,678 2.47 $42,250,605 -3.73 - Atlanta Capital Mgmt $398,360 $9,818,692 3.90 $10,217,052 -0.90 - Riverbridge Partners $513,823 $23,175,492 2.17 $23,689,315 -2.09 - Sycamore Small Cap Value $278,521 $10,716,447 2.53 $10,994,968 -0.97 - Domestic Equity Comp $6,285,918 $401,373,288 1.54 $407,659,206 39.00 35.99 -3.01 DFA Emerging Markets - $40,928,685 - $40,928,685 -3.61 - Thompson, Siegel & Walmsley $922,806 $63,919,207 1.42 $64,842,013 -5.72 - WCM Investment Management $3,042,100 $77,040,004 3.80 $80,082,105 -7.07 - International EQ Comp $3,964,906 $181,887,896 2.13 $185,852,802 18.00 16.41 -1.59 Hancock - $7,717,038 -$7,717,038 -0.68 - IFM Global Infrastructure (US) L.P.- $56,703,546 - $56,703,546 -5.01 - Molpus Woodlands Fund III - $6,327,004 -$6,327,004 -0.56 - Molpus Woodlands Fund IV - $4,531,684 -$4,531,684 -0.40 - Multi Employer Property Trust - $67,057,944 - $67,057,944 -5.92 - Security Capital $230,964 $13,997,340 1.62 $14,228,305 -1.26 - U.S. Real Estate Investment Fund - $18,277,582 -$18,277,582 -1.61 - USAA - $25,543,322 -$25,543,322 -2.25 - Real Estate Comp $230,964 $200,155,460 0.12 $200,386,425 15.00 17.69 2.69 ASSET ALLOCATION DETAIL Total Fund Period Ending 12.31.22 |Q4 22 Information and statistics have been provided by the custodian and are not guaranteed to be accurate or complete. This is not a substitute for the official custodial account statement; please refer to the custodial statement for verification. 26 ASSET ALLOCATION DETAIL Total Fund Period Ending 12.31.22 |Q4 22 MANAGER NAME CASH INVESTED CASH (%) TOTAL TARGET (%) ACTUAL (%)VARIANCE (%) Total Fund $40,617,637 $1,092,225,382 3.59 $1,132,843,019 100.00 100.00 0.00 Information and statistics have been provided by the custodian and are not guaranteed to be accurate or complete. This is not a substitute for the official custodial account statement; please refer to the custodial statement for verification. 27 TOTAL PORTFOLIO TRAILING PERFORMANCE Total Fund Total Portfolio Benchmark 0 10 20 -10 -20 -30Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Total Fund 5.44 -14.90 3.77 5.51 8.73 Total Portfolio Benchmark 5.23 -10.41 4.52 5.12 8.67 TOTAL PORTFOLIO CALENDAR PERFORMANCE Total Fund Total Portfolio Benchmark 0 15 30 -15 -30Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Total Fund -14.90 13.48 15.71 20.17 -2.64 8.73 Total Portfolio Benchmark -10.41 14.12 11.69 17.85 -4.64 8.67 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 28 Last Quarter 2021 2020 2019 2018 1 Year 3 Years 5 Years 10 Years Since Inception Inception Date Total Fund 5.44 13.48 15.71 20.17 -2.64 -14.90 3.77 5.51 7.67 8.73 01/01/1988 Total Portfolio Benchmark 5.23 14.12 11.69 17.85 -4.64 -10.41 4.52 5.12 7.22 8.67 Secondary Benchmark 6.26 13.88 13.11 19.61 -4.30 -14.06 3.45 4.85 -- Domestic Equity Comp 7.13 21.97 24.69 29.50 -4.06 -20.77 6.41 8.41 11.87 11.00 01/01/1988 S&P 500 Index 7.56 28.71 18.40 31.49 -4.38 -18.11 7.66 9.42 12.56 10.52 All Public Plans > $1B-US Equity Median 7.70 25.75 18.99 29.49 -5.67 -18.29 6.97 8.66 -- Large Cap Equity Comp 7.25 25.27 19.54 30.02 -3.49 -20.72 5.89 8.30 12.10 10.42 04/01/1988 Russell 1000 Index 7.24 26.45 20.96 31.43 -4.78 -19.13 7.35 9.13 12.37 10.47 All Public Plans > $1B-US Equity Median 7.70 25.75 18.99 29.49 -5.67 -18.29 6.97 8.66 -- Eagle Capital Management 8.03 27.60 15.49 31.28 -4.86 -25.08 3.36 6.64 - 10.82 01/31/2013 Russell 1000 Value Index 12.42 25.16 2.80 26.54 -8.27 -7.54 5.96 6.67 10.29 10.29 Morningstar Large Value Universe 12.77 26.02 2.80 25.57 -8.81 -5.55 6.96 7.11 10.20 10.20 Manning and Napier 14.83 19.76 2.05 23.21 -3.65 -3.91 5.50 6.87 - 9.90 01/31/2013 Russell 1000 Value Index 12.42 25.16 2.80 26.54 -8.27 -7.54 5.96 6.67 10.29 10.29 Morningstar Large Value Universe 12.77 26.02 2.80 25.57 -8.81 -5.55 6.96 7.11 10.20 10.20 NTGI-QM R1000G 2.23 29.75 - - - -29.09 - -- -1.76 11/30/2020 Russell 1000 Growth Index 2.20 27.60 38.49 36.39 -1.51 -29.14 7.79 10.96 14.10 1.94 Morningstar Large Growth Universe 2.95 22.02 34.90 32.80 -1.64 -30.78 5.07 8.41 11.93 -0.95 NTGI-QM R1000V 12.39 25.17 2.77 26.55 -8.32 -7.62 5.92 6.63 10.32 6.33 07/01/2007 Russell 1000 Value Index 12.42 25.16 2.80 26.54 -8.27 -7.54 5.96 6.67 10.29 6.30 Morningstar Large Value Universe 12.77 26.02 2.80 25.57 -8.81 -5.55 6.96 7.11 10.20 6.51 INVESTMENT RETURNS | MANAGER RESULTS Total Fund Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. Information and statistics have been provided by the custodian and are not guaranteed to be accurate or complete. This is not a substitute for the official custodial account statement; please refer to the custodial statement for verification. 29 INVESTMENT RETURNS | MANAGER RESULTS Total Fund Period Ending 12.31.22 |Q4 22 Last Quarter 2021 2020 2019 2018 1 Year 3 Years 5 Years 10 Years Since Inception Inception Date Mid Cap Equity Comp 7.37 18.74 37.35 29.52 -9.88 -20.92 8.85 8.53 11.45 11.95 04/01/1988 Russell Midcap Index 9.18 22.58 17.10 30.54 -9.06 -17.32 5.88 7.10 10.96 11.15 All Public Plans > $1B-US Equity Median 7.70 25.75 18.99 29.49 -5.67 -18.29 6.97 8.66 -- Artisan Partners -1.02 10.53 56.72 38.58 -3.39 -36.33 3.32 8.11 10.56 9.49 08/01/2001 Russell Midcap Growth Index 6.90 12.73 35.59 35.47 -4.75 -26.72 3.85 7.64 11.41 8.39 Morningstar Mid-Cap Growth Universe 5.43 11.91 36.05 33.48 -5.48 -28.32 3.96 7.31 10.65 7.85 Boston Partners 13.33 27.34 - - - -6.98 - -- 10.43 03/01/2020 Russell Midcap Value Index 10.45 28.34 4.96 27.06 -12.29 -12.03 5.82 5.72 10.11 10.92 Morningstar Mid-Cap Value Universe 11.95 28.65 2.71 26.70 -13.49 -8.12 6.50 5.84 9.52 12.13 Small Cap Equity Comp 6.08 12.05 31.17 26.79 1.67 -20.83 5.18 8.45 11.27 9.78 09/01/2003 Russell 2000 Index 6.23 14.82 19.96 25.53 -11.01 -20.44 3.10 4.13 9.01 8.18 All Public Plans > $1B-US Equity Median 7.70 25.75 18.99 29.49 -5.67 -18.29 6.97 8.66 -- Atlanta Capital Mgmt 9.36 19.89 10.77 26.20 0.48 -12.28 5.22 8.12 11.82 11.50 09/01/2003 Russell 2000 Index 6.23 14.82 19.96 25.53 -11.01 -20.44 3.10 4.13 9.01 8.18 Morningstar Small Cap Universe 8.53 22.20 14.41 24.67 -11.65 -17.54 4.91 5.17 9.34 8.57 Riverbridge Partners 0.34 3.44 54.14 27.35 7.33 -32.15 2.66 8.14 11.11 12.21 10/01/2010 Russell 2000 Growth Index 4.13 2.83 34.63 28.48 -9.31 -26.36 0.65 3.51 9.20 9.80 Morningstar Small Growth Universe 4.40 9.60 37.56 28.34 -5.13 -28.16 3.06 6.33 10.11 10.59 Sycamore Small Cap Value 12.38 25.08 4.91 26.24 -8.23 -6.40 7.09 7.31 - 6.94 11/30/2017 Russell 2000 Value Index 8.42 28.27 4.63 22.39 -12.86 -14.48 4.70 4.13 8.48 4.37 Morningstar Small Value Universe 11.30 31.12 3.45 21.97 -15.22 -11.46 6.62 4.77 8.76 5.06 Performance returns over one-year are annualized. Information and statistics have been provided by the custodian and are not guaranteed to be accurate or complete. This is not a substitute for the official custodial account statement; please refer to the custodial statement for verification. 30 INVESTMENT RETURNS | MANAGER RESULTS Total Fund Period Ending 12.31.22 |Q4 22 Last Quarter 2021 2020 2019 2018 1 Year 3 Years 5 Years 10 Years Since Inception Inception Date International EQ Comp 14.31 13.92 18.16 27.53 -11.88 -21.08 2.04 3.61 3.95 4.86 06/01/2001 MSCI AC World ex USA (Net)14.28 7.82 10.65 21.51 -14.20 -16.00 0.07 0.88 3.80 4.87 All Public Plans > $1B-Intl. Equity Median 13.78 8.84 14.47 23.33 -13.93 -17.56 - --- DFA Emerging Markets 10.53 5.84 13.87 16.04 -15.25 -16.40 0.25 -0.18 - 0.66 11/01/2017 MSCI Emerging Markets Index 9.79 -2.22 18.69 18.90 -14.25 -19.74 -2.34 -1.03 1.81 -0.27 Morningstar Diversified Emerging Mkts Universe 9.94 -1.36 17.77 20.41 -16.40 -22.47 -3.27 -1.77 1.41 -0.99 Thompson, Siegel & Walmsley 17.66 13.34 5.58 21.67 -15.20 -14.12 0.91 1.18 - 2.55 07/31/2015 MSCI EAFE Value Index (Net)19.64 10.89 -2.63 16.09 -14.78 -5.58 0.65 0.17 3.51 2.06 Morningstar Foreign Large Value Universe 18.58 11.73 2.50 18.28 -16.20 -9.37 0.85 0.43 3.72 2.41 WCM Investment Management 13.54 18.16 30.12 38.94 -6.56 -27.85 3.52 7.57 - 8.60 07/31/2015 MSCI AC World ex USA (Net)14.28 7.82 10.65 21.51 -14.20 -16.00 0.07 0.88 3.80 3.12 Morningstar Foreign Large Growth Universe 13.78 8.70 22.17 27.95 -14.44 -24.96 0.14 1.81 4.93 3.76 Fixed Income Comp 2.43 -1.40 8.97 9.28 -0.38 -12.21 -1.93 0.53 1.71 5.42 01/31/1988 Blmbg. U.S. Aggregate Index 1.87 -1.55 7.51 8.72 0.01 -13.01 -2.71 0.02 1.06 5.43 All Public Plans > $1B-Fixed Income Median 1.89 0.33 8.19 9.60 -0.83 -7.97 -1.85 0.64 -- Dodge & Cox 2.63 -1.15 8.72 8.98 0.02 -10.57 -1.31 0.94 2.06 3.82 03/01/2004 Blmbg. U.S. Aggregate Index 1.87 -1.55 7.51 8.72 0.01 -13.01 -2.71 0.02 1.06 2.97 Morningstar Intermediate Core Bond Universe 1.65 -1.59 7.83 8.46 -0.43 -13.44 -2.78 -0.12 0.94 2.83 In House Account 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.52 01/31/1988 90 Day U.S. Treasury Bill 0.84 0.05 0.67 2.28 1.87 1.46 0.72 1.26 0.75 2.95 Security Lending Income Account 0.94 0.54 2.00 2.84 3.83 1.92 1.48 2.22 2.74 4.68 07/01/2003 90 Day U.S. Treasury Bill 0.84 0.05 0.67 2.28 1.87 1.46 0.72 1.26 0.75 1.23 Performance returns over one-year are annualized. Information and statistics have been provided by the custodian and are not guaranteed to be accurate or complete. This is not a substitute for the official custodial account statement; please refer to the custodial statement for verification. 31 INVESTMENT RETURNS | MANAGER RESULTS Total Fund Period Ending 12.31.22 |Q4 22 Last Quarter 2021 2020 2019 2018 1 Year 3 Years 5 Years 10 Years Since Inception Inception Date Western Asset Management Co.2.24 -1.78 9.04 9.60 -0.73 -13.94 -2.68 0.06 1.26 3.27 10/01/2004 Blmbg. U.S. Aggregate Index 1.87 -1.55 7.51 8.72 0.01 -13.01 -2.71 0.02 1.06 2.99 Morningstar Intermediate Core Bond Universe 1.65 -1.59 7.83 8.46 -0.43 -13.44 -2.78 -0.12 0.94 2.83 Real Estate Comp -1.02 20.55 1.78 10.16 6.23 4.28 8.56 8.41 8.95 10.56 05/01/2008 Real Estate Composite Benchmark -3.18 38.19 -4.14 18.82 -0.35 -4.99 7.97 8.31 9.42 7.39 All Public Plans > $1B-Real Estate Median -1.08 16.97 0.16 6.75 8.32 9.74 8.41 7.92 8.83 - Hancock 0.00 9.96 -0.34 3.95 2.93 0.26 3.19 3.29 3.81 4.29 05/31/2012 NCREIF Timberland Index 4.89 9.17 0.81 1.30 3.21 12.90 7.51 5.37 5.80 6.13 Morningstar Real Estate Universe 3.89 41.35 -4.70 27.74 -5.74 -26.20 -0.15 3.72 6.21 6.14 IFM Global Infrastructure (US) L.P.4.02 17.75 2.83 14.61 18.17 8.16 9.41 12.14 - 12.68 09/30/2017 MSCI World Index (Net)9.77 21.82 15.90 27.67 -8.71 -18.14 4.94 6.14 8.85 7.26 Morningstar Global Infrastructure Equity Universe 8.56 19.56 -8.15 22.87 0.00 0.60 3.41 6.41 10.21 5.94 Molpus Woodlands Fund III 0.00 13.33 8.22 -1.48 1.93 1.98 7.74 4.66 5.14 4.31 06/30/2011 NCREIF Timberland Index 4.89 9.17 0.81 1.30 3.21 12.90 7.51 5.37 5.80 5.74 Morningstar Real Estate Universe 3.89 41.35 -4.70 27.74 -5.74 -26.20 -0.15 3.72 6.21 6.35 Molpus Woodlands Fund IV 0.00 20.57 -5.78 1.53 -2.88 0.42 4.49 2.38 - 2.29 10/01/2015 NCREIF Timberland Index 4.89 9.17 0.81 1.30 3.21 12.90 7.51 5.37 5.80 4.82 Morningstar Real Estate Universe 3.89 41.35 -4.70 27.74 -5.74 -26.20 -0.15 3.72 6.21 5.21 Multi Employer Property Trust -6.07 19.74 0.49 3.66 7.23 7.81 9.06 7.60 8.73 8.96 10/01/2010 NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross -4.97 22.17 1.19 5.34 8.35 7.47 9.93 8.68 10.10 10.86 Morningstar Real Estate Universe 3.89 41.35 -4.70 27.74 -5.74 -26.20 -0.15 3.72 6.21 7.78 Performance returns over one-year are annualized. Information and statistics have been provided by the custodian and are not guaranteed to be accurate or complete. This is not a substitute for the official custodial account statement; please refer to the custodial statement for verification. 32 INVESTMENT RETURNS | MANAGER RESULTS Total Fund Period Ending 12.31.22 |Q4 22 Last Quarter 2021 2020 2019 2018 1 Year 3 Years 5 Years 10 Years Since Inception Inception Date Security Capital 3.44 45.03 -4.59 26.97 -7.16 -27.59 0.07 3.39 6.37 5.31 05/01/2008 Wilshire U.S. Real Estate Securities Index 4.09 46.11 -7.95 25.79 -4.80 -26.75 -0.50 3.36 6.48 5.57 Morningstar Real Estate Universe 3.89 41.35 -4.70 27.74 -5.74 -26.20 -0.15 3.72 6.21 5.58 U.S. Real Estate Investment Fund -6.32 20.02 0.94 8.11 9.16 7.39 9.16 8.95 - 9.01 12/31/2015 NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross -4.97 22.17 1.19 5.34 8.35 7.47 9.93 8.68 10.10 8.94 Morningstar Real Estate Universe 3.89 41.35 -4.70 27.74 -5.74 -26.20 -0.15 3.72 6.21 4.66 USAA 3.39 18.42 11.12 5.78 6.65 13.80 14.40 11.05 - 10.70 06/30/2015 NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross -4.97 22.17 1.19 5.34 8.35 7.47 9.93 8.68 10.10 9.38 Morningstar Real Estate Universe 3.89 41.35 -4.70 27.74 -5.74 -26.20 -0.15 3.72 6.21 4.67 Performance returns over one-year are annualized. Information and statistics have been provided by the custodian and are not guaranteed to be accurate or complete. This is not a substitute for the official custodial account statement; please refer to the custodial statement for verification. 33 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: January 1, 1998) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Total Fund Total Portfolio Benchmark 0 3 6 9 12 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 26.0 28.0 Risk (Annualized Standard Deviation) Total Fund Total Portfolio Benchmark Down Quarters 4.00 4.00 Up Quarters 8.00 8.00 Positive Months Ratio -- Worst Quarter -12.52 -11.84 Best Quarter 13.82 11.37 Standard Deviation 15.48 13.33 Max Drawdown Recovery Period -- Maximum Drawdown -19.30 -14.87 Beta 1.15 1.00 Alpha -1.24 0.00 R-Squared 0.99 1.00 Treynor Ratio 0.04 0.05 Tracking Error 2.74 0.00 Information Ratio -0.16 - Total Fund Total Portfolio Benchmark Down Quarters 39.00 41.00 Up Quarters 100.00 98.00 Positive Months Ratio -- Worst Quarter -14.44 -16.38 Best Quarter 16.39 15.76 Standard Deviation 10.91 10.77 Max Drawdown Recovery Period 12.00 13.00 Maximum Drawdown -32.77 -36.02 Beta 0.98 1.00 Alpha 0.42 0.00 R-Squared 0.93 1.00 Treynor Ratio 0.06 0.06 Tracking Error 2.94 0.00 Information Ratio 0.07 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 34 -25 -20 -15 -10 -5 0 5 10 15 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Total Fund 5.44 (59)-14.90 (67)-1.73 (64)3.77 (43)7.65 (42)5.51 (26)7.18 (24)7.12 (27)6.39 (18)„ Total Portfolio Benchmark 5.23 (66)-10.41 (13)1.11 (16)4.52 (23)7.71 (40)5.12 (41)6.76 (41)6.86 (40)6.02 (34)˜ 5th Percentile 7.46 -7.78 2.69 5.94 9.14 6.57 8.04 8.01 7.03 1st Quartile 6.47 -11.90 0.47 4.38 8.11 5.54 7.12 7.15 6.24 Median 5.70 -13.85 -1.04 3.56 7.45 4.91 6.57 6.62 5.72 3rd Quartile 4.96 -15.50 -2.22 2.76 6.69 4.28 5.97 6.10 5.23 95th Percentile 3.44 -17.46 -3.87 1.61 5.22 3.27 4.86 5.20 4.37 PLAN SPONSOR PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on quarterly periodicity. City of Clearwater Employees' Pension Plan 35 -16 -10 -4 2 8 14 20 26 32 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Total Fund 13.48 (53)15.71 (24)20.17 (37)-2.64 (12)15.98 (28)6.71 (60)1.43 (8)8.32 (7)17.83 (30)13.93 (12)„ Total Portfolio Benchmark 14.12 (42)11.69 (69)17.85 (72)-4.64 (56)15.39 (43)7.47 (40)0.28 (37)9.91 (2)14.49 (72)13.18 (27)˜ 5th Percentile 18.31 18.00 22.51 -1.40 18.07 9.68 1.83 8.68 21.09 14.58 1st Quartile 15.37 15.59 20.66 -3.37 16.08 8.08 0.63 7.09 18.26 13.24 Median 13.62 13.28 19.36 -4.45 15.02 7.06 -0.24 6.18 16.16 12.14 3rd Quartile 12.18 11.28 17.42 -5.30 13.70 6.18 -1.24 5.26 14.06 10.92 95th Percentile 9.02 7.20 14.45 -6.60 10.95 4.54 -2.93 3.05 8.51 8.11 PLAN SPONSOR PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on quarterly periodicity. City of Clearwater Employees' Pension Plan 36 Period Ending Beginning Value Net Flows Investment Gain/Loss Ending Value Rate of Return Dec-1987 ---$91,459,988 - Mar-1988 $91,459,988 --$51,039,839 $40,420,149 3.12 Jun-1988 $40,420,149 -$15,255,464 $55,675,613 4.75 Sep-1988 $55,675,613 --$5,742,484 $49,933,130 0.57 Dec-1988 $49,933,130 -$2,150,038 $52,083,168 2.05 Mar-1989 $52,083,168 -$5,062,468 $57,145,637 4.88 Jun-1989 $57,145,637 -$4,452,993 $61,598,630 5.90 Sep-1989 $61,598,630 -$7,477,281 $69,075,911 7.63 Dec-1989 $69,075,911 -$1,984,196 $71,060,107 1.39 Mar-1990 $71,060,107 -$378,332 $71,438,439 0.06 Jun-1990 $71,438,439 -$7,140,375 $78,578,814 7.03 Sep-1990 $78,578,814 --$9,847,666 $68,731,148 -6.23 Dec-1990 $68,731,148 --$12,927,114 $55,804,034 5.72 Mar-1991 $55,804,034 -$12,979,788 $68,783,821 11.94 Jun-1991 $68,783,821 --$532,887 $68,250,934 0.60 Sep-1991 $68,250,934 -$7,087,410 $75,338,344 6.25 Dec-1991 $75,338,344 -$6,276,425 $81,614,769 8.32 Mar-1992 $81,614,769 --$1,538,976 $80,075,794 -1.73 Jun-1992 $80,075,794 --$5,126,324 $74,949,469 -1.52 Sep-1992 $74,949,469 --$249,609 $74,699,861 3.89 Dec-1992 $74,699,861 -$9,473,620 $84,173,480 6.09 Mar-1993 $84,173,480 -$2,154,103 $86,327,583 2.30 Jun-1993 $86,327,583 -$1,014,565 $87,342,148 0.78 Sep-1993 $87,342,148 -$5,778,255 $93,120,403 4.60 Dec-1993 $93,120,403 -$2,204,043 $95,324,446 1.39 Mar-1994 $95,324,446 --$1,734,063 $93,590,383 -1.67 Jun-1994 $93,590,383 --$13,630,985 $79,959,398 -1.37 Sep-1994 $79,959,398 -$5,504,124 $85,463,522 3.74 MARKET VALUES & CASH FLOW SUMMARY Total Fund Period Ending 12.31.22 |Q4 22 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. 37 MARKET VALUES & CASH FLOW SUMMARY Total Fund Period Ending 12.31.22 |Q4 22 Period Ending Beginning Value Net Flows Investment Gain/Loss Ending Value Rate of Return Dec-1994 $85,463,522 -$441,019 $85,904,541 0.39 Mar-1995 $85,904,541 -$6,435,503 $92,340,044 5.44 Jun-1995 $92,340,044 -$7,602,216 $99,942,260 6.93 Sep-1995 $99,942,260 -$8,917,927 $108,860,187 6.00 Dec-1995 $108,860,187 -$2,257,663 $111,117,850 2.97 Mar-1996 $111,117,850 -$9,193,597 $120,311,447 3.64 Jun-1996 $120,311,447 -$5,523,534 $125,834,982 3.55 Sep-1996 $125,834,982 -$2,395,613 $128,230,595 3.28 Dec-1996 $128,230,595 --$20,044,329 $108,186,266 3.55 Mar-1997 $108,186,266 --$4,620,949 $103,565,317 -1.17 Jun-1997 $103,565,317 -$16,186,768 $119,752,085 11.19 Sep-1997 $119,752,085 -$8,363,384 $128,115,469 7.94 Dec-1997 $128,115,469 --$4,853,658 $123,261,811 -0.24 Mar-1998 $123,261,811 -$16,171,368 $139,433,179 8.16 Jun-1998 $139,433,179 -$2,916,725 $142,349,904 1.63 Sep-1998 $142,349,904 --$20,270,513 $122,079,392 -6.11 Dec-1998 $122,079,392 -$29,799,463 $151,878,854 12.88 Mar-1999 $151,878,854 -$8,156,573 $160,035,427 3.43 Jun-1999 $160,035,427 -$9,634,952 $169,670,379 5.00 Sep-1999 $169,670,379 --$9,304,384 $160,365,995 -4.43 Dec-1999 $160,365,995 -$53,446,249 $213,812,243 14.22 Mar-2000 $213,812,243 -$24,543,944 $238,356,187 4.61 Jun-2000 $238,356,187 --$17,842,470 $220,513,717 -3.11 Sep-2000 $220,513,717 -$2,942,383 $223,456,100 1.69 Dec-2000 $223,456,100 --$32,832,231 $190,623,869 -6.36 Mar-2001 $190,623,869 --$29,540,148 $161,083,721 -6.94 Jun-2001 $161,083,721 -$31,403,540 $192,487,262 4.33 Sep-2001 $192,487,262 --$70,015,520 $122,471,742 -8.99 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. 38 MARKET VALUES & CASH FLOW SUMMARY Total Fund Period Ending 12.31.22 |Q4 22 Period Ending Beginning Value Net Flows Investment Gain/Loss Ending Value Rate of Return Dec-2001 $122,471,742 --$3,023,928 $119,447,813 7.12 Mar-2002 $119,447,813 -$1,049,133 $120,496,946 0.42 Jun-2002 $120,496,946 --$12,368,198 $108,128,749 -5.24 Sep-2002 $108,128,749 --$18,650,925 $89,477,824 -8.46 Dec-2002 $89,477,824 -$4,658,922 $94,136,746 4.77 Mar-2003 $94,136,746 --$2,879,098 $91,257,648 -0.53 Jun-2003 $91,257,648 -$10,445,990 $101,703,639 9.75 Sep-2003 $101,703,639 -$37,744,310 $139,447,949 1.91 Dec-2003 $139,447,949 -$16,625,092 $156,073,041 7.53 Mar-2004 $156,073,041 -$73,396,226 $229,469,267 3.25 Jun-2004 $229,469,267 --$4,397,072 $225,072,195 -0.76 Sep-2004 $225,072,195 --$5,333,659 $219,738,536 -0.81 Dec-2004 $219,738,536 -$94,657,834 $314,396,370 8.13 Mar-2005 $314,396,370 --$4,790,716 $309,605,655 -1.67 Jun-2005 $309,605,655 -$2,951,722 $312,557,377 2.14 Sep-2005 $312,557,377 -$15,924,645 $328,482,022 3.56 Dec-2005 $328,482,022 -$7,404,726 $335,886,748 2.59 Mar-2006 $335,886,748 -$30,546,388 $366,433,136 4.84 Jun-2006 $366,433,136 --$7,552,528 $358,880,608 -1.68 Sep-2006 $358,880,608 -$6,901,238 $365,781,846 3.37 Dec-2006 $365,781,846 -$50,509,167 $416,291,013 4.89 Mar-2007 $416,291,013 -$25,224,122 $441,515,135 1.91 Jun-2007 $441,515,135 -$10,755,795 $452,270,931 4.13 Sep-2007 $452,270,931 -$130,856,770 $583,127,700 2.15 Dec-2007 $583,127,700 --$4,862,636 $578,265,065 -1.11 Mar-2008 $578,265,065 --$42,263,748 $536,001,317 -6.13 Jun-2008 $536,001,317 -$10,314,649 $546,315,966 -0.30 Sep-2008 $546,315,966 --$26,855,825 $519,460,141 -8.96 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. 39 MARKET VALUES & CASH FLOW SUMMARY Total Fund Period Ending 12.31.22 |Q4 22 Period Ending Beginning Value Net Flows Investment Gain/Loss Ending Value Rate of Return Dec-2008 $519,460,141 --$73,816,134 $445,644,008 -14.44 Mar-2009 $445,644,008 --$30,189,157 $415,454,851 -6.73 Jun-2009 $415,454,851 -$63,030,616 $478,485,467 16.39 Sep-2009 $478,485,467 -$63,331,635 $541,817,101 14.53 Dec-2009 $541,817,101 -$29,622,444 $571,439,545 4.79 Mar-2010 $571,439,545 $1,420,521 $28,514,836 $601,374,902 4.98 Jun-2010 $601,374,902 -$5,934,251 -$31,993,847 $563,446,804 -5.35 Sep-2010 $563,446,804 -$6,281,494 $57,321,288 $614,486,598 10.30 Dec-2010 $614,486,598 $2,877,067 $45,649,700 $663,013,366 7.42 Mar-2011 $663,013,366 $1,408,292 $29,471,716 $693,893,374 4.45 Jun-2011 $693,893,374 -$7,230,374 $5,411,491 $692,074,491 0.78 Sep-2011 $692,074,491 -$7,171,688 -$79,447,530 $605,455,273 -11.49 Dec-2011 $605,455,273 $906,702 $41,909,007 $648,270,982 6.95 Mar-2012 $648,270,982 $10,313,159 $52,508,718 $711,092,859 9.30 Jun-2012 $711,092,859 -$7,838,428 -$15,138,887 $688,115,543 -2.11 Sep-2012 $688,115,543 -$7,650,190 $31,651,213 $712,116,567 4.63 Dec-2012 $712,116,567 $1,405,904 $12,465,265 $725,987,735 1.77 Mar-2013 $725,987,735 $2,639,158 $43,316,811 $771,943,704 5.98 Jun-2013 $771,943,704 -$8,529,923 $600 $763,414,381 0.00 Sep-2013 $763,414,381 -$8,426,038 $40,688,177 $795,676,520 5.37 Dec-2013 $795,676,520 -$62,747 $43,826,891 $839,440,664 5.52 Mar-2014 $839,440,664 $997,843 $17,572,308 $858,010,815 2.08 Jun-2014 $858,010,815 -$8,947,389 $30,697,898 $879,761,325 3.61 Sep-2014 $879,761,325 -$8,071,076 -$6,077,661 $865,612,589 -0.70 Dec-2014 $865,612,589 -$2,181,929 $27,093,392 $890,524,051 3.14 Mar-2015 $890,524,051 -$1,048,160 $20,488,068 $909,963,960 2.31 Jun-2015 $909,963,960 -$9,762,293 -$6,659,939 $893,541,728 -0.73 Sep-2015 $893,541,728 -$9,608,772 -$41,440,488 $842,492,468 -4.66 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. 40 MARKET VALUES & CASH FLOW SUMMARY Total Fund Period Ending 12.31.22 |Q4 22 Period Ending Beginning Value Net Flows Investment Gain/Loss Ending Value Rate of Return Dec-2015 $842,492,468 -$3,150,132 $29,733,169 $869,075,506 4.76 Mar-2016 $869,075,506 -$3,639,090 $8,327,326 $873,763,742 0.99 Jun-2016 $873,763,742 -$8,199,903 $19,479,145 $885,042,983 2.25 Sep-2016 $885,042,983 -$9,437,418 $30,450,249 $906,055,814 3.50 Dec-2016 $906,055,814 -$2,437,038 -$1,495,939 $902,122,837 -0.15 Mar-2017 $902,122,837 -$4,042,535 $42,589,028 $940,669,331 4.74 Jun-2017 $940,669,331 -$9,803,863 $32,033,125 $962,898,593 3.43 Sep-2017 $962,898,593 -$10,157,026 $27,748,235 $980,489,801 2.94 Dec-2017 $980,489,801 -$4,041,264 $39,010,026 $1,015,458,563 4.00 Mar-2018 $1,015,458,563 -$5,389,283 $3,399,779 $1,013,469,060 0.34 Jun-2018 $1,013,469,060 -$10,243,223 $12,284,581 $1,015,510,418 1.23 Sep-2018 $1,015,510,418 -$9,312,738 $38,632,345 $1,044,830,025 3.82 Dec-2018 $1,044,830,025 -$4,369,002 -$80,050,645 $960,410,378 -7.66 Mar-2019 $960,410,378 -$5,332,974 $83,125,870 $1,038,203,273 8.69 Jun-2019 $1,038,203,273 -$11,174,999 $39,715,923 $1,066,744,197 3.86 Sep-2019 $1,066,744,197 -$11,418,597 $9,725,692 $1,065,051,291 0.92 Dec-2019 $1,065,051,291 -$4,864,418 $58,192,676 $1,118,379,549 5.48 Mar-2020 $1,118,379,549 -$6,446,114 -$142,023,448 $969,909,987 -12.52 Jun-2020 $969,909,987 -$10,568,540 $133,450,669 $1,092,792,116 13.82 Sep-2020 $1,092,792,116 -$11,572,493 $52,542,792 $1,133,762,416 4.80 Dec-2020 $1,133,762,416 -$5,630,570 $122,432,868 $1,250,564,714 10.89 Mar-2021 $1,250,564,714 -$6,545,816 $28,592,139 $1,272,611,036 2.30 Jun-2021 $1,272,611,036 -$11,680,302 $73,213,434 $1,334,144,168 5.81 Sep-2021 $1,334,144,168 -$13,139,023 $6,094,455 $1,327,099,600 0.45 Dec-2021 $1,327,099,600 -$6,652,583 $57,547,829 $1,377,994,846 4.36 Mar-2022 $1,377,994,846 -$7,485,157 -$80,146,280 $1,290,363,409 -5.82 Jun-2022 $1,290,363,409 -$11,472,029 -$132,305,968 $1,146,585,412 -10.28 Sep-2022 $1,146,585,412 -$12,940,986 -$49,892,253 $1,083,752,173 -4.48 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. 41 MARKET VALUES & CASH FLOW SUMMARY Total Fund Period Ending 12.31.22 |Q4 22 Period Ending Beginning Value Net Flows Investment Gain/Loss Ending Value Rate of Return Dec-2022 $1,083,752,173 -$9,946,642 $59,037,489 $1,132,843,019 5.44 $91,459,988 -$307,869,864 $1,349,252,895 $1,132,843,019 8.73 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. 42 FROM DATE TO DATE BENCHMARK Total Fund 01/01/2019 Present 26.25% S&P 500 Index, 15.00% MSCI EAFE Index, 31.25% Blmbg. Intermed. U.S. Government/Credit, 12.50% Russell 2500 Index, 15.00% NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross 07/01/2016 01/01/2019 39.00% S&P 500 Index, 28.00% Blmbg. U.S. Aggregate Index, 10.00% MSCI EAFE Index, 15.00% Wilshire U.S. Real Estate Securities Index, 8.00% MSCI Emerging Markets Index 12/01/1987 07/01/2016 42.00% S&P 500 Index, 30.00% Blmbg. U.S. Aggregate Index, 10.00% MSCI EAFE Index, 10.00% Wilshire U.S. Real Estate Securities Index, 8.00% MSCI Emerging Markets Index Domestic Equity Comp 01/01/1988 Present S&P 500 Index Large Cap Equity Comp 04/01/1988 Present Russell 1000 Index Mid Cap Equity Comp 04/01/1988 Present Russell Midcap Index Small Cap Equity Comp 09/01/2003 Present Russell 2000 Index International EQ Comp 06/01/2001 Present MSCI AC World ex USA (Net) Fixed Income Comp 01/31/1988 Present Blmbg. U.S. Aggregate Index Real Estate Comp 04/01/2022 Present 20.00% Wilshire U.S. Real Estate Securities Index, 80.00% NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross 07/01/2010 04/01/2022 67.00% Wilshire U.S. Real Estate Securities Index, 33.00% NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross 01/01/1978 07/01/2010 100.00% Wilshire U.S. Real Estate Securities Index TOTAL FUND POLICY BENCHMARK SUMMARY Total Fund Period Ending 12.31.22 |Q4 22 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. 43 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Domestic Equity Comp Net Cash Flow $0 $280,000,000 $560,000,000 $840,000,000 ($280,000,000) ($560,000,000) ($840,000,000)Market ValueDec-87 Mar-90 Jun-92 Sep-94 Dec-96 Mar-99 Jun-01 Sep-03 Dec-05 Mar-08 Jun-10 Sep-12 Dec-14 Mar-17 Jun-19 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Domestic Equity Comp 01/01/1988 Beginning Market Value $407,876,060 $550,878,596 $512,802,086 $462,769,578 $355,571,530 $32,235,837 Net Contributions -$29,642,588 -$29,182,409 -$69,741,263 -$50,189,834 $2,146,642 -$401,510,908 Net Investement Return $29,425,734 -$114,036,981 $107,817,774 $100,222,341 $105,051,406 $776,934,277 Ending Market Value $407,659,206 $407,659,206 $550,878,596 $512,802,086 $462,769,578 $407,659,206 City of Clearwater - Domestic Equity Comp MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 44 TOTAL PORTFOLIO TRAILING PERFORMANCE Domestic Equity Comp S&P 500 Index 0 15 30 -15 -30Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Domestic Equity Comp 7.13 -20.77 6.41 8.41 11.00 S&P 500 Index 7.56 -18.11 7.66 9.42 10.52 TOTAL PORTFOLIO CALENDAR PERFORMANCE Domestic Equity Comp S&P 500 Index 0 20 40 60 -20 -40Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Domestic Equity Comp -20.77 21.97 24.69 29.50 -4.06 11.00 S&P 500 Index -18.11 28.71 18.40 31.49 -4.38 10.52 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 45 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: January 1, 1998) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Domestic Equity Comp S&P 500 Index 0 3 6 9 12 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 26.0 Risk (Annualized Standard Deviation) Domestic Equity Comp S&P 500 Index Down Quarters 4.00 4.00 Up Quarters 8.00 8.00 Positive Months Ratio 58.33 58.33 Worst Quarter -19.21 -19.60 Best Quarter 22.67 20.54 Standard Deviation 21.19 20.87 Max Drawdown Recovery Period -- Maximum Drawdown -26.04 -23.87 Beta 0.99 1.00 Alpha -1.05 0.00 R-Squared 0.96 1.00 Treynor Ratio 0.08 0.09 Tracking Error 4.28 0.00 Information Ratio -0.26 - Domestic Equity Comp S&P 500 Index Down Quarters 40.00 36.00 Up Quarters 100.00 104.00 Positive Months Ratio 64.76 65.71 Worst Quarter -33.84 -29.65 Best Quarter 28.42 25.83 Standard Deviation 14.44 14.75 Max Drawdown Recovery Period 40.00 53.00 Maximum Drawdown -51.36 -50.95 Beta 0.85 1.00 Alpha 2.12 0.00 R-Squared 0.75 1.00 Treynor Ratio 0.10 0.08 Tracking Error 7.57 0.00 Information Ratio 0.05 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 46 -28 -22 -16 -10 -4 2 8 14 20 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Domestic Equity Comp 7.13 (100)-20.77 (100)-1.70 (100)6.41 (85)11.77 (86)8.41 (60)10.64 (-)10.49 (-)9.33 (-)„ S&P 500 Index 7.56 (65)-18.11 (24)2.66 (1)7.66 (1)13.18 (1)9.42 (1)11.40 (-)11.48 (-)10.17 (-)˜ 5th Percentile 8.53 -16.41 1.54 7.06 12.53 8.71 --- 1st Quartile 8.29 -18.22 1.49 7.02 12.50 8.69 --- Median 7.70 -18.29 1.42 6.97 12.46 8.66 --- 3rd Quartile 7.44 -18.99 1.29 6.56 11.97 7.97 --- 95th Percentile 7.34 -19.34 1.18 6.24 11.58 7.42 --- PLAN SPONSOR PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 47 -20 -10 0 10 20 30 40 50 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Domestic Equity Comp 21.97 (88)24.69 (5)29.50 (48)-4.06 (1)22.53 (28)9.61 (100)1.48 (7)11.31 (34)35.15 (45)18.37 (-)„ S&P 500 Index 28.71 (4)18.40 (73)31.49 (4)-4.38 (9)21.83 (41)11.96 (57)1.38 (10)13.69 (1)32.39 (100)16.00 (-)˜ 5th Percentile 28.45 24.39 31.38 -4.30 23.30 15.41 1.54 12.05 38.29 - 1st Quartile 26.28 21.03 30.60 -4.96 22.68 14.06 0.76 11.47 35.42 - Median 25.75 18.99 29.49 -5.67 21.23 12.42 0.59 10.92 35.00 - 3rd Quartile 22.65 18.03 29.11 -7.06 21.04 11.22 -0.23 10.60 34.25 - 95th Percentile 19.71 15.00 27.76 -8.23 18.45 11.01 -0.57 10.46 33.82 - PLAN SPONSOR PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 48 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Large Cap Equity Comp Net Cash Flow $0 $151,900,000 $303,800,000 $455,700,000 $607,600,000 ($151,900,000) ($303,800,000)Market ValueMar-88 Jun-90 Sep-92 Dec-94 Mar-97 Jun-99 Sep-01 Dec-03 Mar-06 Jun-08 Sep-10 Dec-12 Mar-15 Jun-17 Sep-19 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Large Cap Equity Comp 04/30/1988 Beginning Market Value $277,653,758 $376,051,591 $335,143,299 $314,103,659 $240,657,022 $18,032,213 Net Contributions -$9,901,506 -$10,293,061 -$39,212,549 -$33,333,870 $1,109,671 -$169,905,074 Net Investment Return $20,442,002 -$77,564,275 $80,120,842 $54,373,510 $72,336,966 $440,067,116 Ending Market Value $288,194,255 $288,194,255 $376,051,591 $335,143,299 $314,103,659 $288,194,255 City of Clearwater - Large Cap Equity Comp MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 49 TOTAL PORTFOLIO TRAILING PERFORMANCE Large Cap Equity Comp Russell 1000 Index 0 15 30 -15 -30Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Large Cap Equity Comp 7.25 -20.72 5.89 8.30 10.42 Russell 1000 Index 7.24 -19.13 7.35 9.13 10.47 TOTAL PORTFOLIO CALENDAR PERFORMANCE Large Cap Equity Comp Russell 1000 Index 0 20 40 60 -20 -40Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Large Cap Equity Comp -20.72 25.27 19.54 30.02 -3.49 10.42 Russell 1000 Index -19.13 26.45 20.96 31.43 -4.78 10.47 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 50 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: January 1, 1998) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Large Cap Equity Comp Russell 1000 Index 0 3 6 9 12 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 26.0 Risk (Annualized Standard Deviation) Large Cap Equity Comp Russell 1000 Index Down Quarters 4.00 4.00 Up Quarters 8.00 8.00 Positive Months Ratio 58.33 58.33 Worst Quarter -19.39 -20.22 Best Quarter 20.29 21.82 Standard Deviation 21.40 21.33 Max Drawdown Recovery Period -- Maximum Drawdown -26.08 -24.59 Beta 1.00 1.00 Alpha -1.36 0.00 R-Squared 0.99 1.00 Treynor Ratio 0.07 0.09 Tracking Error 1.64 0.00 Information Ratio -0.83 - Large Cap Equity Comp Russell 1000 Index Down Quarters 39.00 35.00 Up Quarters 100.00 104.00 Positive Months Ratio 64.99 65.71 Worst Quarter -29.55 -30.97 Best Quarter 24.41 26.38 Standard Deviation 13.65 14.94 Max Drawdown Recovery Period 53.00 53.00 Maximum Drawdown -49.18 -51.13 Beta 0.82 1.00 Alpha 1.77 0.00 R-Squared 0.81 1.00 Treynor Ratio 0.10 0.08 Tracking Error 6.56 0.00 Information Ratio -0.04 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 51 -28 -22 -16 -10 -4 2 8 14 20 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Large Cap Equity Comp 7.25 (100)-20.72 (100)-0.34 (100)5.89 (100)11.47 (100)8.30 (64)10.86 (-)10.58 (-)9.65 (-)„ Russell 1000 Index 7.24 (100)-19.13 (83)1.13 (100)7.35 (1)12.92 (1)9.13 (1)11.13 (-)11.26 (-)9.91 (-)˜ 5th Percentile 8.53 -16.41 1.54 7.06 12.53 8.71 --- 1st Quartile 8.29 -18.22 1.49 7.02 12.50 8.69 --- Median 7.70 -18.29 1.42 6.97 12.46 8.66 --- 3rd Quartile 7.44 -18.99 1.29 6.56 11.97 7.97 --- 95th Percentile 7.34 -19.34 1.18 6.24 11.58 7.42 --- PLAN SPONSOR PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 52 -20 -10 0 10 20 30 40 50 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Large Cap Equity Comp 25.27 (60)19.54 (43)30.02 (44)-3.49 (1)24.63 (1)8.88 (100)3.35 (1)13.45 (1)32.24 (100)17.02 (-)„ Russell 1000 Index 26.45 (16)20.96 (26)31.43 (5)-4.78 (20)21.69 (44)12.05 (55)0.92 (22)13.24 (1)33.11 (100)16.42 (-)˜ 5th Percentile 28.45 24.39 31.38 -4.30 23.30 15.41 1.54 12.05 38.29 - 1st Quartile 26.28 21.03 30.60 -4.96 22.68 14.06 0.76 11.47 35.42 - Median 25.75 18.99 29.49 -5.67 21.23 12.42 0.59 10.92 35.00 - 3rd Quartile 22.65 18.03 29.11 -7.06 21.04 11.22 -0.23 10.60 34.25 - 95th Percentile 19.71 15.00 27.76 -8.23 18.45 11.01 -0.57 10.46 33.82 - PLAN SPONSOR PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 53 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Eagle Capital Management Net Cash Flow $0 $19,900,000 $39,800,000 $59,700,000 $79,600,000 ($19,900,000)Market ValueDec-12 Sep-13 Jun-14 Mar-15 Dec-15 Sep-16 Jun-17 Mar-18 Dec-18 Sep-19 Jun-20 Mar-21 Dec-21 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Eagle Capital Management 01/31/2013 Beginning Market Value $40,317,442 $57,800,059 $57,819,773 $50,975,128 $38,531,165 $33,239,288 Net Contributions $84,529 $347,224 -$14,659,658 -$1,617,800 $361,021 -$37,561,615 Net Investment Return $3,237,714 -$14,507,598 $14,639,945 $8,462,445 $12,082,942 $47,962,012 Ending Market Value $43,639,686 $43,639,686 $57,800,059 $57,819,773 $50,975,128 $43,639,686 City of Clearwater - Eagle Capital Management MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 54 TOTAL PORTFOLIO TRAILING PERFORMANCE Eagle Capital Management Russell 1000 Value Index 0 15 30 -15 -30 -45Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Eagle Capital Management 8.03 -25.08 3.36 6.64 10.82 Russell 1000 Value Index 12.42 -7.54 5.96 6.67 10.29 TOTAL PORTFOLIO CALENDAR PERFORMANCE Eagle Capital Management Russell 1000 Value Index 0 25 50 -25 -50Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Eagle Capital Management -25.08 27.60 15.49 31.28 -4.86 10.82 Russell 1000 Value Index -7.54 25.16 2.80 26.54 -8.27 10.29 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 55 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: January 1, 2013) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Eagle Capital Management Russell 1000 Value Index -10 -5 0 5 10 15 Annualized Return (%)-4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 Risk (Annualized Standard Deviation) Eagle Capital Management Russell 1000 Value Index Down Quarters 4.00 5.00 Up Quarters 8.00 7.00 Positive Months Ratio 55.56 52.78 Worst Quarter -23.61 -26.73 Best Quarter 21.99 16.77 Standard Deviation 24.76 21.25 Max Drawdown Recovery Period -11.00 Maximum Drawdown -32.38 -26.73 Beta 1.11 1.00 Alpha -2.58 0.00 R-Squared 0.91 1.00 Treynor Ratio 0.05 0.07 Tracking Error 7.74 0.00 Information Ratio -0.22 - Eagle Capital Management Russell 1000 Value Index Down Quarters 8.00 10.00 Up Quarters 32.00 30.00 Positive Months Ratio 66.67 65.00 Worst Quarter -23.61 -26.73 Best Quarter 21.99 16.77 Standard Deviation 17.03 14.96 Max Drawdown Recovery Period -12.00 Maximum Drawdown -32.38 -26.73 Beta 1.06 1.00 Alpha 0.12 0.00 R-Squared 0.87 1.00 Treynor Ratio 0.10 0.10 Tracking Error 6.16 0.00 Information Ratio 0.13 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 56 -36 -28 -20 -12 -4 4 12 20 28 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Eagle Capital Management 8.03 (99)-25.08 (100)-2.23 (100)3.36 (96)9.72 (81)6.64 (63)9.28 (31)9.41 (50)8.50 (26)„ Russell 1000 Value Index 12.42 (59)-7.54 (68)7.58 (72)5.96 (71)10.77 (62)6.67 (62)7.80 (69)9.12 (58)7.41 (59)˜ 5th Percentile 15.65 1.46 14.74 10.50 14.70 9.54 11.06 11.67 9.85 1st Quartile 13.86 -3.00 10.59 8.25 12.64 8.11 9.54 10.24 8.53 Median 12.76 -5.56 8.86 6.96 11.39 7.11 8.57 9.38 7.69 3rd Quartile 11.63 -8.36 7.30 5.70 10.07 6.06 7.46 8.43 6.88 95th Percentile 10.12 -13.36 4.04 3.37 8.18 3.81 5.58 6.77 5.27 Population 1,260 1,240 1,206 1,193 1,177 1,168 1,137 1,114 1,071 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 57 -30 -20 -10 0 10 20 30 40 50 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Eagle Capital Management 27.60 (34)15.49 (2)31.28 (6)-4.86 (13)23.52 (2)10.16 (89)2.35 (3)13.39 (16)--„ Russell 1000 Value Index 25.16 (62)2.80 (51)26.54 (38)-8.27 (42)13.66 (79)17.34 (21)-3.83 (60)13.45 (16)32.53 (41)17.51 (24)˜ 5th Percentile 32.81 12.46 31.32 -2.85 21.57 20.70 1.36 14.95 39.02 20.97 1st Quartile 28.33 6.14 27.87 -6.58 18.33 16.90 -1.66 12.56 34.60 17.36 Median 26.03 2.80 25.57 -8.83 16.23 14.29 -3.34 11.05 31.68 15.38 3rd Quartile 23.99 0.16 23.23 -10.63 14.02 12.05 -4.92 9.44 29.57 12.77 95th Percentile 19.15 -5.59 19.45 -14.75 9.68 8.05 -8.83 6.23 23.50 9.55 Population 1,239 1,280 1,324 1,393 1,439 1,441 1,389 1,357 1,321 1,259 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 58 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Manning and Napier Net Cash Flow $0 $18,900,000 $37,800,000 $56,700,000 $75,600,000 ($18,900,000)Market ValueDec-12 Sep-13 Jun-14 Mar-15 Dec-15 Sep-16 Jun-17 Mar-18 Dec-18 Sep-19 Jun-20 Mar-21 Dec-21 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Manning and Napier 01/31/2013 Beginning Market Value $44,609,431 $53,164,674 $57,606,598 $50,403,074 $40,748,341 $33,103,702 Net Contributions -$10,000,489 -$9,867,021 -$14,856,987 $5,198,659 $185,749 -$34,287,191 Net Investment Return $6,805,706 -$1,883,005 $10,415,063 $2,004,864 $9,468,984 $42,598,137 Ending Market Value $41,414,648 $41,414,648 $53,164,674 $57,606,598 $50,403,074 $41,414,648 City of Clearwater - Manning and Napier MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 59 TOTAL PORTFOLIO TRAILING PERFORMANCE Manning and Napier Russell 1000 Value Index 0 10 20 -10 -20Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Manning and Napier 14.83 -3.91 5.50 6.87 9.90 Russell 1000 Value Index 12.42 -7.54 5.96 6.67 10.29 TOTAL PORTFOLIO CALENDAR PERFORMANCE Manning and Napier Russell 1000 Value Index 0 15 30 45 -15 -30Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Manning and Napier -3.91 19.76 2.05 23.21 -3.65 9.90 Russell 1000 Value Index -7.54 25.16 2.80 26.54 -8.27 10.29 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 60 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: January 1, 2013) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Manning and Napier Russell 1000 Value Index -10 -5 0 5 10 15 Annualized Return (%)-4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 Risk (Annualized Standard Deviation) Manning and Napier Russell 1000 Value Index Down Quarters 5.00 5.00 Up Quarters 7.00 7.00 Positive Months Ratio 52.78 52.78 Worst Quarter -25.20 -26.73 Best Quarter 15.42 16.77 Standard Deviation 20.07 21.25 Max Drawdown Recovery Period 11.00 11.00 Maximum Drawdown -25.20 -26.73 Beta 0.93 1.00 Alpha -0.15 0.00 R-Squared 0.97 1.00 Treynor Ratio 0.07 0.07 Tracking Error 3.83 0.00 Information Ratio -0.19 - Manning and Napier Russell 1000 Value Index Down Quarters 9.00 10.00 Up Quarters 31.00 30.00 Positive Months Ratio 66.67 65.00 Worst Quarter -25.20 -26.73 Best Quarter 15.42 16.77 Standard Deviation 14.02 14.96 Max Drawdown Recovery Period 12.00 12.00 Maximum Drawdown -25.20 -26.73 Beta 0.90 1.00 Alpha 0.58 0.00 R-Squared 0.93 1.00 Treynor Ratio 0.11 0.10 Tracking Error 4.11 0.00 Information Ratio -0.12 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 61 -22 -16 -10 -4 2 8 14 20 26 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Manning and Napier 14.83 (12)-3.91 (34)7.27 (76)5.50 (79)9.67 (82)6.87 (57)9.19 (33)9.84 (37)8.55 (25)„ Russell 1000 Value Index 12.42 (59)-7.54 (68)7.58 (72)5.96 (71)10.77 (62)6.67 (62)7.80 (69)9.12 (58)7.41 (59)˜ 5th Percentile 15.65 1.46 14.74 10.50 14.70 9.54 11.06 11.67 9.85 1st Quartile 13.86 -3.00 10.59 8.25 12.64 8.11 9.54 10.24 8.53 Median 12.76 -5.56 8.86 6.96 11.39 7.11 8.57 9.38 7.69 3rd Quartile 11.63 -8.36 7.30 5.70 10.07 6.06 7.46 8.43 6.88 95th Percentile 10.12 -13.36 4.04 3.37 8.18 3.81 5.58 6.77 5.27 Population 1,260 1,240 1,206 1,193 1,177 1,168 1,137 1,114 1,071 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 62 -30 -20 -10 0 10 20 30 40 50 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Manning and Napier 19.76 (94)2.05 (59)23.21 (76)-3.65 (8)21.55 (6)13.85 (56)-0.09 (11)10.46 (61)--„ Russell 1000 Value Index 25.16 (62)2.80 (51)26.54 (38)-8.27 (42)13.66 (79)17.34 (21)-3.83 (60)13.45 (16)32.53 (41)17.51 (24)˜ 5th Percentile 32.81 12.46 31.32 -2.85 21.57 20.70 1.36 14.95 39.02 20.97 1st Quartile 28.33 6.14 27.87 -6.58 18.33 16.90 -1.66 12.56 34.60 17.36 Median 26.03 2.80 25.57 -8.83 16.23 14.29 -3.34 11.05 31.68 15.38 3rd Quartile 23.99 0.16 23.23 -10.63 14.02 12.05 -4.92 9.44 29.57 12.77 95th Percentile 19.15 -5.59 19.45 -14.75 9.68 8.05 -8.83 6.23 23.50 9.55 Population 1,239 1,280 1,324 1,393 1,439 1,441 1,389 1,357 1,321 1,259 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 63 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY NTGI-QM R1000G Net Cash Flow $0 $56,900,000 $113,800,000 $170,700,000 $227,600,000 $284,500,000 ($56,900,000)Market ValueOct-20 Jan-21 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date NTGI-QM R1000G 11/30/2020 Beginning Market Value $132,631,474 $191,150,851 $31,946,711 --$30,545,838 Net Contributions $9,947 $47,645 $129,561,381 --$129,609,026 Net Investment Return $2,951,723 -$55,605,352 $29,642,759 ---$24,561,720 Ending Market Value $135,593,144 $135,593,144 $191,150,851 --$135,593,144 City of Clearwater - NTGI-QM R1000G MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 64 TOTAL PORTFOLIO TRAILING PERFORMANCE NTGI-QM R1000G Russell 1000 Growth Index 0 15 30 -15 -30 -45Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception NTGI-QM R1000G 2.23 -29.09 ---1.76 Russell 1000 Growth Index 2.20 -29.14 7.79 10.96 1.94 TOTAL PORTFOLIO CALENDAR PERFORMANCE NTGI-QM R1000G Russell 1000 Growth Index 0 25 50 75 -25 -50Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception NTGI-QM R1000G -29.09 29.75 ----1.76 Russell 1000 Growth Index -29.14 27.60 38.49 36.39 -1.51 1.94 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 65 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: November 1, 2020) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index NTGI-QM R1000G Russell 1000 Growth Index -15 0 15 30 45 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 26.0 28.0 Risk (Annualized Standard Deviation) NTGI-QM R1000G Russell 1000 Growth Index Down Quarters -4.00 Up Quarters -8.00 Positive Months Ratio -55.56 Worst Quarter --20.92 Best Quarter -27.84 Standard Deviation -23.47 Max Drawdown Recovery Period -- Maximum Drawdown --30.66 Beta -1.00 Alpha -0.00 R-Squared -1.00 Treynor Ratio -0.10 Tracking Error -0.00 Information Ratio -- NTGI-QM R1000G Russell 1000 Growth Index Down Quarters -- Up Quarters -- Positive Months Ratio 57.69 53.85 Worst Quarter -20.89 -20.92 Best Quarter 15.74 14.46 Standard Deviation 21.12 21.96 Max Drawdown Recovery Period -- Maximum Drawdown -30.63 -30.66 Beta 0.91 1.00 Alpha -3.44 0.00 R-Squared 0.90 1.00 Treynor Ratio 0.00 0.04 Tracking Error 6.97 0.00 Information Ratio -0.56 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 66 -70 -55 -40 -25 -10 5 20 35 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years NTGI-QM R1000G 2.23 (59)-29.09 (38)-4.08 (27)------„ Russell 1000 Growth Index 2.20 (60)-29.14 (39)-4.91 (32)7.79 (16)14.32 (11)10.96 (12)13.96 (12)12.95 (10)12.01 (8)˜ 5th Percentile 9.95 -18.18 1.43 9.70 15.33 12.00 15.20 13.56 12.58 1st Quartile 5.86 -25.79 -3.84 6.73 12.87 9.82 12.77 11.46 10.56 Median 2.94 -30.80 -7.77 5.07 11.38 8.41 11.51 10.32 9.55 3rd Quartile 0.47 -34.36 -12.37 2.60 9.25 6.96 10.15 9.11 8.46 95th Percentile -4.71 -45.97 -23.62 -2.88 4.83 3.71 7.71 6.42 5.97 Population 1,273 1,248 1,211 1,172 1,137 1,128 1,100 1,085 1,057 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 67 -25 -10 5 20 35 50 65 80 95 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 NTGI-QM R1000G 29.75 (8)---------„ Russell 1000 Growth Index 27.60 (16)38.49 (37)36.39 (20)-1.51 (49)30.21 (37)7.08 (22)5.67 (42)13.05 (25)33.48 (61)15.26 (53)˜ 5th Percentile 30.34 72.99 39.23 5.42 36.71 10.37 10.92 15.90 44.12 20.85 1st Quartile 25.83 43.87 35.87 0.87 31.90 6.55 7.15 12.98 36.91 17.64 Median 22.02 34.91 32.81 -1.63 28.65 2.91 4.61 10.67 34.58 15.41 3rd Quartile 16.92 28.92 29.94 -4.40 25.10 0.34 1.32 8.44 31.91 13.36 95th Percentile 3.94 18.37 25.32 -7.82 19.19 -4.61 -3.79 4.25 27.83 10.13 Population 1,255 1,246 1,267 1,340 1,362 1,392 1,356 1,334 1,312 1,272 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 68 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY NTGI-QM R1000V Net Cash Flow $0 $33,900,000 $67,800,000 $101,700,000 $135,600,000 ($33,900,000) ($67,800,000)Market ValueJun-07 Jun-08 Jun-09 Jun-10 Jun-11 Jun-12 Jun-13 Jun-14 Jun-15 Jun-16 Jun-17 Jun-18 Jun-19 Jun-20 Jun-21 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date NTGI-QM R1000V 07/31/2007 Beginning Market Value $60,095,411 $73,095,509 $58,383,256 $50,975,274 $40,266,695 $26,197,069 Net Contributions $4,507 $20,204 $14,591 $5,018,102 $17,962 -$37,683,835 Net Investment Return $7,446,859 -$5,568,935 $14,697,663 $2,389,880 $10,690,616 $79,033,544 Ending Market Value $67,546,777 $67,546,777 $73,095,509 $58,383,256 $50,975,274 $67,546,777 City of Clearwater - NTGI-QM R1000V MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 69 TOTAL PORTFOLIO TRAILING PERFORMANCE NTGI-QM R1000V Russell 1000 Value Index 0 8 16 24 -8 -16Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception NTGI-QM R1000V 12.39 -7.62 5.92 6.63 6.33 Russell 1000 Value Index 12.42 -7.54 5.96 6.67 6.30 TOTAL PORTFOLIO CALENDAR PERFORMANCE NTGI-QM R1000V Russell 1000 Value Index 0 15 30 45 -15 -30Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception NTGI-QM R1000V -7.62 25.17 2.77 26.55 -8.32 6.33 Russell 1000 Value Index -7.54 25.16 2.80 26.54 -8.27 6.30 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 70 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: July 1, 2007) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index NTGI-QM R1000V Russell 1000 Value Index -10 -5 0 5 10 15 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 26.0 28.0 30.0 Risk (Annualized Standard Deviation) NTGI-QM R1000V Russell 1000 Value Index Down Quarters 5.00 5.00 Up Quarters 7.00 7.00 Positive Months Ratio 52.78 52.78 Worst Quarter -26.69 -26.73 Best Quarter 16.74 16.77 Standard Deviation 21.24 21.25 Max Drawdown Recovery Period 11.00 11.00 Maximum Drawdown -26.69 -26.73 Beta 1.00 1.00 Alpha -0.03 0.00 R-Squared 1.00 1.00 Treynor Ratio 0.07 0.07 Tracking Error 0.12 0.00 Information Ratio -0.31 - NTGI-QM R1000V Russell 1000 Value Index Down Quarters 21.00 21.00 Up Quarters 41.00 41.00 Positive Months Ratio 60.75 60.75 Worst Quarter -28.95 -28.88 Best Quarter 27.69 27.62 Standard Deviation 16.66 16.71 Max Drawdown Recovery Period 66.00 66.00 Maximum Drawdown -54.40 -54.50 Beta 1.00 1.00 Alpha 0.04 0.00 R-Squared 1.00 1.00 Treynor Ratio 0.07 0.07 Tracking Error 0.40 0.00 Information Ratio 0.04 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 71 -22 -16 -10 -4 2 8 14 20 26 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years NTGI-QM R1000V 12.39 (60)-7.62 (69)7.53 (72)5.92 (72)10.74 (63)6.63 (63)7.79 (69)9.07 (59)7.39 (60)„ Russell 1000 Value Index 12.42 (59)-7.54 (68)7.58 (72)5.96 (71)10.77 (62)6.67 (62)7.80 (69)9.12 (58)7.41 (59)˜ 5th Percentile 15.65 1.46 14.74 10.50 14.70 9.54 11.06 11.67 9.85 1st Quartile 13.86 -3.00 10.59 8.25 12.64 8.11 9.54 10.24 8.53 Median 12.76 -5.56 8.86 6.96 11.39 7.11 8.57 9.38 7.69 3rd Quartile 11.63 -8.36 7.30 5.70 10.07 6.06 7.46 8.43 6.88 95th Percentile 10.12 -13.36 4.04 3.37 8.18 3.81 5.58 6.77 5.27 Population 1,260 1,240 1,206 1,193 1,177 1,168 1,137 1,114 1,071 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 72 -30 -20 -10 0 10 20 30 40 50 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 NTGI-QM R1000V 25.17 (62)2.77 (51)26.55 (38)-8.32 (43)13.77 (77)17.03 (24)-3.66 (57)13.54 (15)32.94 (39)18.09 (19)„ Russell 1000 Value Index 25.16 (62)2.80 (51)26.54 (38)-8.27 (42)13.66 (79)17.34 (21)-3.83 (60)13.45 (16)32.53 (41)17.51 (24)˜ 5th Percentile 32.81 12.46 31.32 -2.85 21.57 20.70 1.36 14.95 39.02 20.97 1st Quartile 28.33 6.14 27.87 -6.58 18.33 16.90 -1.66 12.56 34.60 17.36 Median 26.03 2.80 25.57 -8.83 16.23 14.29 -3.34 11.05 31.68 15.38 3rd Quartile 23.99 0.16 23.23 -10.63 14.02 12.05 -4.92 9.44 29.57 12.77 95th Percentile 19.15 -5.59 19.45 -14.75 9.68 8.05 -8.83 6.23 23.50 9.55 Population 1,239 1,280 1,324 1,393 1,439 1,441 1,389 1,357 1,321 1,259 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 73 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Mid Cap Equity Comp Net Cash Flow $0 $67,900,000 $135,800,000 $203,700,000 ($67,900,000) ($135,800,000) ($203,700,000)Market ValueMar-88 Jun-90 Sep-92 Dec-94 Mar-97 Jun-99 Sep-01 Dec-03 Mar-06 Jun-08 Sep-10 Dec-12 Mar-15 Jun-17 Sep-19 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Mid Cap Equity Comp 04/30/1988 Beginning Market Value $78,584,745 $106,096,870 $107,856,486 $89,648,485 $68,774,272 $15,584,862 Net Contributions -$9,849,003 -$9,365,956 -$21,176,244 -$9,376,584 $548,023 -$123,143,764 Net Investment Return $5,827,873 -$22,167,299 $19,416,627 $27,584,585 $20,326,191 $182,122,517 Ending Market Value $74,563,616 $74,563,616 $106,096,870 $107,856,486 $89,648,485 $74,563,616 City of Clearwater - Mid Cap Equity Comp MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 74 TOTAL PORTFOLIO TRAILING PERFORMANCE Mid Cap Equity Comp Russell Midcap Index 0 15 30 -15 -30Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Mid Cap Equity Comp 7.37 -20.92 8.85 8.53 11.95 Russell Midcap Index 9.18 -17.32 5.88 7.10 11.15 TOTAL PORTFOLIO CALENDAR PERFORMANCE Mid Cap Equity Comp Russell Midcap Index 0 25 50 -25 -50Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Mid Cap Equity Comp -20.92 18.74 37.35 29.52 -9.88 11.95 Russell Midcap Index -17.32 22.58 17.10 30.54 -9.06 11.15 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 75 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: January 1, 1998) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Mid Cap Equity Comp Russell Midcap Index 0 3 6 9 12 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 26.0 Risk (Annualized Standard Deviation) Mid Cap Equity Comp Russell Midcap Index Down Quarters 4.00 5.00 Up Quarters 8.00 7.00 Positive Months Ratio 58.33 61.11 Worst Quarter -17.73 -27.07 Best Quarter 28.43 24.61 Standard Deviation 23.13 23.62 Max Drawdown Recovery Period -10.00 Maximum Drawdown -27.87 -27.07 Beta 0.88 1.00 Alpha 3.72 0.00 R-Squared 0.80 1.00 Treynor Ratio 0.12 0.08 Tracking Error 10.78 0.00 Information Ratio 0.24 - Mid Cap Equity Comp Russell Midcap Index Down Quarters 40.00 42.00 Up Quarters 99.00 97.00 Positive Months Ratio 63.07 64.27 Worst Quarter -39.61 -38.81 Best Quarter 50.66 31.40 Standard Deviation 17.83 16.47 Max Drawdown Recovery Period 38.00 45.00 Maximum Drawdown -53.49 -54.15 Beta 0.90 1.00 Alpha 2.15 0.00 R-Squared 0.69 1.00 Treynor Ratio 0.11 0.09 Tracking Error 10.03 0.00 Information Ratio 0.09 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 76 -28 -20 -12 -4 4 12 20 28 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Mid Cap Equity Comp 7.37 (85)-20.92 (100)-3.10 (100)8.85 (1)13.69 (1)8.53 (55)10.32 (-)9.80 (-)8.35 (-)„ Russell Midcap Index 9.18 (1)-17.32 (16)0.68 (100)5.88 (100)11.57 (96)7.10 (100)8.92 (-)9.61 (-)8.02 (-)˜ 5th Percentile 8.53 -16.41 1.54 7.06 12.53 8.71 --- 1st Quartile 8.29 -18.22 1.49 7.02 12.50 8.69 --- Median 7.70 -18.29 1.42 6.97 12.46 8.66 --- 3rd Quartile 7.44 -18.99 1.29 6.56 11.97 7.97 --- 95th Percentile 7.34 -19.34 1.18 6.24 11.58 7.42 --- PLAN SPONSOR PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 77 -20 -10 0 10 20 30 40 50 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Mid Cap Equity Comp 18.74 (97)37.35 (1)29.52 (47)-9.88 (100)19.76 (87)6.73 (100)-1.30 (100)13.38 (1)37.36 (10)22.00 (-)„ Russell Midcap Index 22.58 (77)17.10 (80)30.54 (28)-9.06 (100)18.52 (95)13.80 (31)-2.44 (100)13.22 (1)34.76 (58)17.28 (-)˜ 5th Percentile 28.45 24.39 31.38 -4.30 23.30 15.41 1.54 12.05 38.29 - 1st Quartile 26.28 21.03 30.60 -4.96 22.68 14.06 0.76 11.47 35.42 - Median 25.75 18.99 29.49 -5.67 21.23 12.42 0.59 10.92 35.00 - 3rd Quartile 22.65 18.03 29.11 -7.06 21.04 11.22 -0.23 10.60 34.25 - 95th Percentile 19.71 15.00 27.76 -8.23 18.45 11.01 -0.57 10.46 33.82 - PLAN SPONSOR PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 78 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Artisan Partners Net Cash Flow $0 $30,900,000 $61,800,000 $92,700,000 ($30,900,000) ($61,800,000) ($92,700,000)Market ValueJul-01 Oct-02 Jan-04 Apr-05 Jul-06 Oct-07 Jan-09 Apr-10 Jul-11 Oct-12 Jan-14 Apr-15 Jul-16 Oct-17 Jan-19 Apr-20 Jul-21 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Artisan Partners 08/31/2001 Beginning Market Value $32,580,227 $50,353,781 $54,194,482 $49,643,494 $35,540,112 $29,913,539 Net Contributions $64,047 $277,067 -$9,564,250 -$19,582,240 $370,614 -$69,019,955 Net Investment Return -$331,264 -$18,317,838 $5,723,549 $24,133,228 $13,732,768 $71,419,426 Ending Market Value $32,313,010 $32,313,010 $50,353,781 $54,194,482 $49,643,494 $32,313,010 City of Clearwater - Artisan Partners MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 79 TOTAL PORTFOLIO TRAILING PERFORMANCE Artisan Partners Russell Midcap Growth Index 0 20 -20 -40 -60Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Artisan Partners -1.02 -36.33 3.32 8.11 9.49 Russell Midcap Growth Index 6.90 -26.72 3.85 7.64 8.39 TOTAL PORTFOLIO CALENDAR PERFORMANCE Artisan Partners Russell Midcap Growth Index 0 50 100 -50 -100Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Artisan Partners -36.33 10.53 56.72 38.58 -3.39 9.49 Russell Midcap Growth Index -26.72 12.73 35.59 35.47 -4.75 8.39 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 80 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: August 1, 2001) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Artisan Partners Russell Midcap Growth Index -4 0 4 8 12 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 26.0 28.0 Risk (Annualized Standard Deviation) Artisan Partners Russell Midcap Growth Index Down Quarters 7.00 6.00 Up Quarters 5.00 6.00 Positive Months Ratio 50.00 55.56 Worst Quarter -22.20 -21.07 Best Quarter 36.44 30.26 Standard Deviation 24.67 24.53 Max Drawdown Recovery Period -- Maximum Drawdown -40.58 -34.12 Beta 0.97 1.00 Alpha -0.26 0.00 R-Squared 0.93 1.00 Treynor Ratio 0.06 0.06 Tracking Error 6.78 0.00 Information Ratio -0.07 - Artisan Partners Russell Midcap Growth Index Down Quarters -- Up Quarters -- Positive Months Ratio 60.70 59.92 Worst Quarter -39.29 -40.64 Best Quarter 36.44 31.56 Standard Deviation 19.06 18.67 Max Drawdown Recovery Period 37.00 39.00 Maximum Drawdown -50.92 -52.91 Beta 0.98 1.00 Alpha 1.24 0.00 R-Squared 0.93 1.00 Treynor Ratio 0.10 0.09 Tracking Error 5.09 0.00 Information Ratio 0.21 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 81 -55 -40 -25 -10 5 20 35 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Artisan Partners -1.02 (94)-36.33 (89)-16.11 (82)3.32 (61)11.19 (43)8.11 (37)10.13 (51)8.52 (68)7.87 (61)„ Russell Midcap Growth Index 6.90 (36)-26.72 (38)-9.11 (40)3.85 (52)10.99 (46)7.64 (46)10.40 (45)9.95 (39)8.63 (43)˜ 5th Percentile 11.34 -15.94 0.84 9.18 14.90 12.38 15.66 14.17 12.24 1st Quartile 7.71 -24.35 -6.97 5.83 12.49 8.68 11.45 10.67 9.46 Median 5.43 -28.33 -10.16 3.96 10.69 7.31 10.17 9.40 8.26 3rd Quartile 2.97 -33.19 -15.03 1.55 8.59 5.63 8.57 8.02 7.03 95th Percentile -1.30 -42.47 -24.12 -3.38 3.94 1.99 5.09 5.43 4.49 Population 579 578 558 543 533 522 511 505 495 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 82 -40 -20 0 20 40 60 80 100 120 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Artisan Partners 10.53 (62)56.72 (18)38.58 (15)-3.39 (32)20.81 (84)-0.63 (94)3.38 (16)6.96 (60)39.21 (20)20.82 (6)„ Russell Midcap Growth Index 12.73 (45)35.59 (52)35.47 (35)-4.75 (41)25.27 (45)7.33 (30)-0.20 (53)11.90 (12)35.74 (51)15.81 (39)˜ 5th Percentile 25.30 83.87 41.79 3.70 34.64 14.47 6.12 13.16 44.09 20.86 1st Quartile 16.64 48.43 37.13 -2.55 28.05 8.17 2.36 10.60 38.12 16.96 Median 11.91 36.05 33.47 -5.47 24.85 5.09 0.00 7.64 35.75 14.85 3rd Quartile 7.21 29.52 30.40 -7.91 22.21 2.13 -2.41 5.19 31.65 12.41 95th Percentile -5.03 17.96 26.10 -14.64 16.22 -1.85 -6.61 0.40 28.20 8.60 Population 588 590 603 610 631 637 623 613 600 587 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 83 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Boston Partners Net Cash Flow $0 $19,900,000 $39,800,000 $59,700,000 $79,600,000 $99,500,000 ($19,900,000)Market ValueMar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Boston Partners 04/01/2020 Beginning Market Value $46,004,518 $55,743,089 $53,662,005 --$27,058,203 Net Contributions -$9,913,050 -$9,643,023 -$11,611,994 ---$11,029,054 Net Investment Return $6,159,137 -$3,849,460 $13,693,078 --$26,221,456 Ending Market Value $42,250,605 $42,250,605 $55,743,089 --$42,250,605 City of Clearwater - Boston Partners MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 84 TOTAL PORTFOLIO TRAILING PERFORMANCE Boston Partners Russell Midcap Value Index 0 10 20 -10 -20Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Boston Partners 13.33 -6.98 --10.43 Russell Midcap Value Index 10.45 -12.03 5.82 5.72 10.92 TOTAL PORTFOLIO CALENDAR PERFORMANCE Boston Partners Russell Midcap Value Index 0 15 30 45 -15 -30Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Boston Partners -6.98 27.34 ---10.43 Russell Midcap Value Index -12.03 28.34 4.96 27.06 -12.29 10.92 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 85 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: March 1, 2020) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Boston Partners Russell Midcap Value Index -20 -10 0 10 20 30 Annualized Return (%)-9.0 -6.0 -3.0 0.0 3.0 6.0 9.0 12.0 15.0 18.0 21.0 24.0 27.0 30.0 33.0 36.0 Risk (Annualized Standard Deviation) Boston Partners Russell Midcap Value Index Down Quarters -5.00 Up Quarters -7.00 Positive Months Ratio -58.33 Worst Quarter --31.71 Best Quarter -20.43 Standard Deviation -24.44 Max Drawdown Recovery Period -10.00 Maximum Drawdown --31.71 Beta -1.00 Alpha -0.00 R-Squared -1.00 Treynor Ratio -0.08 Tracking Error -0.00 Information Ratio -- Boston Partners Russell Midcap Value Index Down Quarters -- Up Quarters -- Positive Months Ratio 58.82 61.76 Worst Quarter -17.99 -14.68 Best Quarter 24.61 20.43 Standard Deviation 29.16 24.26 Max Drawdown Recovery Period -5.00 Maximum Drawdown -29.72 -22.70 Beta 1.00 1.00 Alpha 0.86 0.00 R-Squared 0.70 1.00 Treynor Ratio 0.14 0.13 Tracking Error 16.07 0.00 Information Ratio 0.06 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 86 -22 -16 -10 -4 2 8 14 20 26 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Boston Partners 13.33 (24)-6.98 (39)8.84 (52)------„ Russell Midcap Value Index 10.45 (79)-12.03 (85)6.25 (80)5.82 (62)10.77 (59)5.72 (54)6.95 (54)8.73 (46)6.94 (48)˜ 5th Percentile 15.35 -0.47 12.94 10.56 15.25 8.62 9.90 11.10 8.70 1st Quartile 13.28 -5.39 10.41 8.10 12.67 7.07 8.03 9.61 7.82 Median 11.95 -8.13 8.87 6.50 11.25 5.84 7.09 8.55 6.87 3rd Quartile 11.02 -10.42 6.99 5.08 9.78 4.56 5.96 7.55 5.94 95th Percentile 8.53 -14.61 2.88 2.37 7.47 2.69 4.47 6.16 4.35 Population 413 410 406 403 396 392 382 379 374 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 87 -40 -25 -10 5 20 35 50 65 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Boston Partners 27.34 (65)---------„ Russell Midcap Value Index 28.34 (55)4.96 (32)27.06 (46)-12.29 (34)13.34 (54)20.00 (36)-4.78 (54)14.75 (11)33.46 (62)18.51 (25)˜ 5th Percentile 35.80 10.50 32.30 -6.88 19.51 25.82 1.10 15.96 44.04 24.20 1st Quartile 31.48 5.91 29.51 -11.45 15.68 20.93 -2.56 12.64 37.44 18.49 Median 28.65 2.71 26.72 -13.48 13.52 17.63 -4.31 10.16 34.39 16.43 3rd Quartile 26.02 0.15 23.80 -15.72 11.55 14.91 -6.97 7.08 31.91 14.27 95th Percentile 19.14 -5.30 16.77 -19.92 7.23 10.75 -10.93 1.52 27.80 10.05 Population 425 433 447 478 479 475 467 439 422 415 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 88 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Small Cap Equity Comp Russell 2000 Index Net Cash Flow $0 $50,900,000 $101,800,000 $152,700,000 ($50,900,000) ($101,800,000) ($152,700,000)Market ValueAug-03 Nov-04 Feb-06 May-07 Aug-08 Nov-09 Feb-11 May-12 Aug-13 Nov-14 Feb-16 May-17 Aug-18 Nov-19 Feb-21 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Small Cap Equity Comp 09/30/2003 Beginning Market Value $51,637,557 $68,730,135 $69,802,301 $59,017,434 $46,140,236 $29,988,472 Net Contributions -$9,892,079 -$9,523,392 -$9,352,470 -$7,479,380 $488,949 -$108,462,070 Gain/Loss $3,155,858 -$14,305,407 $8,280,305 $18,264,247 $12,388,249 $123,374,934 Ending Market Value $44,901,336 $44,901,336 $68,730,135 $69,802,301 $59,017,434 $44,901,336 City of Clearwater - Small Cap Equity Comp MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 89 TOTAL PORTFOLIO TRAILING PERFORMANCE Small Cap Equity Comp Russell 2000 Index 0 15 30 -15 -30Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Small Cap Equity Comp 6.08 -20.83 5.18 8.45 9.78 Russell 2000 Index 6.23 -20.44 3.10 4.13 8.18 TOTAL PORTFOLIO CALENDAR PERFORMANCE Small Cap Equity Comp Russell 2000 Index 0 20 40 60 -20 -40Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Small Cap Equity Comp -20.83 12.05 31.17 26.79 1.67 9.78 Russell 2000 Index -20.44 14.82 19.96 25.53 -11.01 8.18 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 90 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: September 1, 2003) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Small Cap Equity Comp Russell 2000 Index -4 0 4 8 12 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 26.0 28.0 Risk (Annualized Standard Deviation) Small Cap Equity Comp Russell 2000 Index Down Quarters 4.00 5.00 Up Quarters 8.00 7.00 Positive Months Ratio 55.56 63.89 Worst Quarter -21.62 -30.61 Best Quarter 26.89 35.15 Standard Deviation 21.80 26.02 Max Drawdown Recovery Period -10.00 Maximum Drawdown -27.50 -30.61 Beta 0.80 1.00 Alpha 2.26 0.00 R-Squared 0.92 1.00 Treynor Ratio 0.08 0.06 Tracking Error 8.15 0.00 Information Ratio 0.12 - Small Cap Equity Comp Russell 2000 Index Down Quarters -- Up Quarters -- Positive Months Ratio 65.09 63.79 Worst Quarter -36.45 -35.73 Best Quarter 30.14 35.15 Standard Deviation 17.88 19.62 Max Drawdown Recovery Period 40.00 45.00 Maximum Drawdown -53.06 -52.89 Beta 0.88 1.00 Alpha 2.31 0.00 R-Squared 0.94 1.00 Treynor Ratio 0.11 0.09 Tracking Error 4.92 0.00 Information Ratio 0.23 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 91 -28 -22 -16 -10 -4 2 8 14 20 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Small Cap Equity Comp 6.08 (100)-20.83 (100)-5.81 (100)5.18 (100)10.21 (100)8.45 (58)9.77 (-)10.95 (-)9.28 (-)„ Russell 2000 Index 6.23 (100)-20.44 (100)-4.42 (100)3.10 (100)8.30 (100)4.13 (100)5.81 (-)7.90 (-)6.28 (-)˜ 5th Percentile 8.53 -16.41 1.54 7.06 12.53 8.71 --- 1st Quartile 8.29 -18.22 1.49 7.02 12.50 8.69 --- Median 7.70 -18.29 1.42 6.97 12.46 8.66 --- 3rd Quartile 7.44 -18.99 1.29 6.56 11.97 7.97 --- 95th Percentile 7.34 -19.34 1.18 6.24 11.58 7.42 --- PLAN SPONSOR PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 92 -30 -20 -10 0 10 20 30 40 50 60 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Small Cap Equity Comp 12.05 (100)31.17 (1)26.79 (98)1.67 (1)16.66 (100)18.26 (1)-1.70 (100)0.39 (100)42.51 (1)17.61 (-)„ Russell 2000 Index 14.82 (100)19.96 (38)25.53 (100)-11.01 (100)14.65 (100)21.31 (1)-4.41 (100)4.89 (100)38.82 (3)16.35 (-)˜ 5th Percentile 28.45 24.39 31.38 -4.30 23.30 15.41 1.54 12.05 38.29 - 1st Quartile 26.28 21.03 30.60 -4.96 22.68 14.06 0.76 11.47 35.42 - Median 25.75 18.99 29.49 -5.67 21.23 12.42 0.59 10.92 35.00 - 3rd Quartile 22.65 18.03 29.11 -7.06 21.04 11.22 -0.23 10.60 34.25 - 95th Percentile 19.71 15.00 27.76 -8.23 18.45 11.01 -0.57 10.46 33.82 - PLAN SPONSOR PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 93 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Atlanta Capital Mgmt Net Cash Flow $0 $14,900,000 $29,800,000 $44,700,000 ($14,900,000) ($29,800,000)Market ValueAug-03 Nov-04 Feb-06 May-07 Aug-08 Nov-09 Feb-11 May-12 Aug-13 Nov-14 Feb-16 May-17 Aug-18 Nov-19 Feb-21 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Atlanta Capital Mgmt 09/30/2003 Beginning Market Value $13,879,404 $17,200,666 $16,792,169 $15,044,257 $11,826,751 $14,989,707 Net Contributions -$4,979,818 -$4,891,140 -$2,854,948 $105,969 $112,538 -$31,176,292 Net Investment Return $1,317,466 -$2,092,474 $3,263,446 $1,641,944 $3,104,968 $26,403,637 Ending Market Value $10,217,052 $10,217,052 $17,200,666 $16,792,169 $15,044,257 $10,217,052 City of Clearwater - Atlanta Capital Mgmt MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 94 TOTAL PORTFOLIO TRAILING PERFORMANCE Atlanta Capital Mgmt Russell 2000 Index 0 15 30 -15 -30Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Atlanta Capital Mgmt 9.36 -12.28 5.22 8.12 11.50 Russell 2000 Index 6.23 -20.44 3.10 4.13 8.18 TOTAL PORTFOLIO CALENDAR PERFORMANCE Atlanta Capital Mgmt Russell 2000 Index 0 20 40 -20 -40Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Atlanta Capital Mgmt -12.28 19.89 10.77 26.20 0.48 11.50 Russell 2000 Index -20.44 14.82 19.96 25.53 -11.01 8.18 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 95 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: September 1, 2003) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Atlanta Capital Mgmt Russell 2000 Index -4 0 4 8 12 16 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 26.0 28.0 Risk (Annualized Standard Deviation) Atlanta Capital Mgmt Russell 2000 Index Down Quarters 5.00 5.00 Up Quarters 7.00 7.00 Positive Months Ratio 55.56 63.89 Worst Quarter -24.06 -30.61 Best Quarter 19.27 35.15 Standard Deviation 20.30 26.02 Max Drawdown Recovery Period 10.00 10.00 Maximum Drawdown -24.06 -30.61 Beta 0.73 1.00 Alpha 2.43 0.00 R-Squared 0.88 1.00 Treynor Ratio 0.09 0.06 Tracking Error 9.82 0.00 Information Ratio 0.07 - Atlanta Capital Mgmt Russell 2000 Index Down Quarters -- Up Quarters -- Positive Months Ratio 65.52 63.79 Worst Quarter -26.34 -35.73 Best Quarter 28.59 35.15 Standard Deviation 16.07 19.62 Max Drawdown Recovery Period 29.00 45.00 Maximum Drawdown -38.47 -52.89 Beta 0.78 1.00 Alpha 4.65 0.00 R-Squared 0.91 1.00 Treynor Ratio 0.14 0.09 Tracking Error 6.58 0.00 Information Ratio 0.36 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 96 -50 -40 -30 -20 -10 0 10 20 30 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Atlanta Capital Mgmt 9.36 (40)-12.28 (22)2.55 (41)5.22 (46)10.11 (41)8.12 (11)8.97 (21)10.22 (16)9.55 (7)„ Russell 2000 Index 6.23 (70)-20.44 (62)-4.42 (66)3.10 (70)8.30 (72)4.13 (70)5.81 (64)7.90 (62)6.28 (61)˜ 5th Percentile 13.73 -5.34 11.49 11.00 14.18 9.37 11.74 11.72 9.83 1st Quartile 10.65 -12.99 6.24 6.85 11.11 6.75 8.50 9.54 7.90 Median 8.53 -17.53 0.81 4.92 9.63 5.17 6.56 8.37 6.71 3rd Quartile 5.59 -25.28 -8.43 2.51 8.06 3.84 5.19 7.27 5.68 95th Percentile 0.55 -36.81 -19.38 -0.57 5.16 1.47 3.24 5.33 3.96 Population 1,741 1,715 1,685 1,669 1,631 1,614 1,572 1,544 1,504 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 97 -40 -25 -10 5 20 35 50 65 80 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Atlanta Capital Mgmt 19.89 (58)10.77 (61)26.20 (38)0.48 (6)13.34 (54)18.02 (58)4.97 (2)3.50 (60)42.43 (26)12.53 (77)„ Russell 2000 Index 14.82 (71)19.96 (39)25.53 (43)-11.01 (46)14.65 (44)21.31 (39)-4.41 (57)4.89 (43)38.82 (48)16.35 (37)˜ 5th Percentile 37.28 59.71 36.77 1.08 28.91 30.68 2.50 9.58 49.45 22.09 1st Quartile 28.83 29.19 28.49 -6.86 19.57 24.25 -1.52 6.36 42.56 17.76 Median 22.20 14.46 24.72 -11.65 13.85 19.35 -3.86 4.22 38.46 15.17 3rd Quartile 13.95 5.28 21.51 -15.23 10.10 12.18 -6.36 1.75 35.16 12.74 95th Percentile -0.70 -3.45 16.89 -19.56 5.38 4.36 -12.16 -3.88 30.19 8.99 Population 1,746 1,789 1,869 1,961 2,046 2,030 1,957 1,894 1,823 1,779 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 98 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Riverbridge Partners Net Cash Flow $0 $17,900,000 $35,800,000 $53,700,000 $71,600,000 ($17,900,000) ($35,800,000)Market ValueSep-10 Jun-11 Mar-12 Dec-12 Sep-13 Jun-14 Mar-15 Dec-15 Sep-16 Jun-17 Mar-18 Dec-18 Sep-19 Jun-20 Mar-21 Dec-21 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Riverbridge Partners 10/01/2010 Beginning Market Value $23,555,462 $34,601,965 $37,963,992 $29,771,085 $23,169,403 $16,876,305 Net Contributions $53,123 $223,461 -$4,656,869 -$7,701,222 $251,655 -$33,197,224 Net Investment Return $80,730 -$11,136,111 $1,294,843 $15,894,129 $6,350,027 $40,010,235 Ending Market Value $23,689,315 $23,689,315 $34,601,965 $37,963,992 $29,771,085 $23,689,315 City of Clearwater - Riverbridge Partners MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 99 TOTAL PORTFOLIO TRAILING PERFORMANCE Riverbridge Partners Russell 2000 Growth Index 0 20 40 -20 -40 -60Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Riverbridge Partners 0.34 -32.15 2.66 8.14 12.21 Russell 2000 Growth Index 4.13 -26.36 0.65 3.51 9.80 TOTAL PORTFOLIO CALENDAR PERFORMANCE Riverbridge Partners Russell 2000 Growth Index 0 50 100 -50 -100Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Riverbridge Partners -32.15 3.44 54.14 27.35 7.33 12.21 Russell 2000 Growth Index -26.36 2.83 34.63 28.48 -9.31 9.80 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 100 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: October 1, 2010) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Riverbridge Partners Russell 2000 Growth Index -5 0 5 10 15 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 Risk (Annualized Standard Deviation) Riverbridge Partners Russell 2000 Growth Index Down Quarters 4.00 4.00 Up Quarters 8.00 8.00 Positive Months Ratio 55.56 55.56 Worst Quarter -21.65 -25.76 Best Quarter 36.06 34.83 Standard Deviation 24.35 26.20 Max Drawdown Recovery Period -- Maximum Drawdown -38.99 -33.43 Beta 0.87 1.00 Alpha 2.08 0.00 R-Squared 0.87 1.00 Treynor Ratio 0.06 0.03 Tracking Error 9.56 0.00 Information Ratio 0.16 - Riverbridge Partners Russell 2000 Growth Index Down Quarters 12.00 12.00 Up Quarters 37.00 37.00 Positive Months Ratio 64.63 62.59 Worst Quarter -21.65 -25.76 Best Quarter 36.06 34.83 Standard Deviation 17.77 19.56 Max Drawdown Recovery Period -- Maximum Drawdown -38.99 -33.43 Beta 0.85 1.00 Alpha 3.66 0.00 R-Squared 0.87 1.00 Treynor Ratio 0.15 0.11 Tracking Error 7.16 0.00 Information Ratio 0.26 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 101 -50 -40 -30 -20 -10 0 10 20 30 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Riverbridge Partners 0.34 (89)-32.15 (76)-16.22 (76)2.66 (55)8.34 (64)8.14 (22)10.48 (30)10.88 (19)9.02 (23)„ Russell 2000 Growth Index 4.13 (55)-26.36 (40)-12.98 (63)0.65 (80)6.98 (80)3.51 (85)6.41 (82)7.09 (83)6.00 (80)˜ 5th Percentile 9.07 -18.24 0.95 10.14 14.53 10.68 12.97 12.52 10.86 1st Quartile 6.29 -24.22 -6.79 5.27 10.95 7.92 10.83 10.44 8.85 Median 4.39 -28.16 -10.57 3.06 9.02 6.33 9.01 9.14 7.60 3rd Quartile 2.52 -31.85 -16.14 0.96 7.38 4.42 6.98 7.71 6.35 95th Percentile -1.47 -38.89 -23.45 -1.87 3.78 1.90 4.83 5.49 4.48 Population 622 616 604 601 585 580 568 557 551 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 102 -40 -20 0 20 40 60 80 100 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Riverbridge Partners 3.44 (77)54.14 (22)27.35 (56)7.33 (3)22.97 (47)13.29 (28)-3.15 (62)0.20 (75)43.50 (40)17.83 (15)„ Russell 2000 Growth Index 2.83 (80)34.63 (59)28.48 (50)-9.31 (78)22.17 (50)11.32 (42)-1.38 (40)5.60 (26)43.30 (41)14.59 (47)˜ 5th Percentile 28.51 71.29 40.32 5.21 36.90 22.12 4.98 9.09 56.94 20.60 1st Quartile 15.36 52.30 34.46 -1.87 26.49 13.65 0.13 5.66 45.74 16.69 Median 9.60 37.58 28.44 -5.13 22.05 10.16 -2.19 3.02 41.88 14.26 3rd Quartile 3.74 27.61 24.40 -8.93 17.74 7.08 -4.39 0.17 37.46 11.99 95th Percentile -5.95 16.22 17.57 -15.78 11.02 -0.03 -9.56 -6.55 31.99 8.36 Population 628 638 655 682 718 713 705 681 665 646 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 103 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Sycamore Small Cap Value Net Cash Flow $0 $5,600,000 $11,200,000 $16,800,000 $22,400,000 $28,000,000 ($5,600,000)Market ValueNov-17 May-18 Nov-18 May-19 Nov-19 May-20 Nov-20 May-21 Nov-21 May-22 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Sycamore Small Cap Value 12/01/2017 Beginning Market Value $14,202,690 $16,927,504 $15,046,141 $14,202,093 $11,144,082 $13,915,449 Net Contributions -$4,965,385 -$4,855,712 -$1,840,653 $115,874 $124,756 -$8,310,151 Net Investment Return $1,757,663 -$1,076,823 $3,722,016 $728,174 $2,933,254 $5,389,670 Ending Market Value $10,994,968 $10,994,968 $16,927,504 $15,046,141 $14,202,093 $10,994,968 City of Clearwater - Sycamore Small Cap Value MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 104 TOTAL PORTFOLIO TRAILING PERFORMANCE Sycamore Small Cap Value Russell 2000 Value Index 0 10 20 -10 -20 -30Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Sycamore Small Cap Value 12.38 -6.40 7.09 7.31 6.94 Russell 2000 Value Index 8.42 -14.48 4.70 4.13 4.37 TOTAL PORTFOLIO CALENDAR PERFORMANCE Sycamore Small Cap Value Russell 2000 Value Index 0 20 40 -20 -40Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Sycamore Small Cap Value -6.40 25.08 4.91 26.24 -8.23 6.94 Russell 2000 Value Index -14.48 28.27 4.63 22.39 -12.86 4.37 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 105 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: November 1, 2017) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Sycamore Small Cap Value Russell 2000 Value Index -4 0 4 8 12 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 26.0 28.0 30.0 Risk (Annualized Standard Deviation) Sycamore Small Cap Value Russell 2000 Value Index Down Quarters 5.00 5.00 Up Quarters 7.00 7.00 Positive Months Ratio 58.33 61.11 Worst Quarter -28.98 -35.66 Best Quarter 27.85 35.53 Standard Deviation 23.37 27.27 Max Drawdown Recovery Period 11.00 11.00 Maximum Drawdown -28.98 -35.66 Beta 0.83 1.00 Alpha 2.64 0.00 R-Squared 0.93 1.00 Treynor Ratio 0.11 0.08 Tracking Error 7.59 0.00 Information Ratio 0.15 - Sycamore Small Cap Value Russell 2000 Value Index Down Quarters -- Up Quarters -- Positive Months Ratio 62.90 64.52 Worst Quarter -28.98 -35.66 Best Quarter 27.85 35.53 Standard Deviation 20.38 23.65 Max Drawdown Recovery Period 12.00 28.00 Maximum Drawdown -28.98 -37.54 Beta 0.83 1.00 Alpha 2.88 0.00 R-Squared 0.93 1.00 Treynor Ratio 0.09 0.06 Tracking Error 6.54 0.00 Information Ratio 0.25 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 106 -28 -22 -16 -10 -4 2 8 14 20 26 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Sycamore Small Cap Value 12.38 (30)-6.40 (18)8.20 (44)7.09 (40)11.59 (28)7.31 (12)---„ Russell 2000 Value Index 8.42 (92)-14.48 (83)4.73 (86)4.70 (77)8.87 (78)4.13 (64)4.74 (68)8.23 (47)6.13 (53)˜ 5th Percentile 15.28 -1.19 15.58 12.36 14.52 7.99 8.86 11.24 9.14 1st Quartile 12.71 -8.35 9.68 8.41 11.77 5.94 6.56 9.29 7.32 Median 11.29 -11.46 7.73 6.62 10.24 4.76 5.43 8.11 6.22 3rd Quartile 9.84 -13.68 5.88 4.88 8.98 3.45 4.25 7.09 5.33 95th Percentile 7.83 -17.28 2.34 0.81 5.78 1.37 2.33 5.02 3.53 Population 497 483 476 470 459 457 443 440 434 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 107 -40 -25 -10 5 20 35 50 65 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Sycamore Small Cap Value 25.08 (85)4.91 (37)26.24 (19)-8.23 (4)------„ Russell 2000 Value Index 28.27 (64)4.63 (39)22.39 (45)-12.86 (27)7.84 (65)31.74 (8)-7.47 (70)4.22 (51)34.52 (67)18.05 (36)˜ 5th Percentile 40.64 15.53 31.77 -8.91 17.71 32.65 -0.03 8.53 44.87 23.49 1st Quartile 35.03 8.12 24.94 -12.74 12.09 29.22 -3.27 5.95 39.59 18.71 Median 31.12 3.46 21.97 -15.22 9.34 25.33 -5.99 4.29 36.33 15.95 3rd Quartile 26.72 -0.52 20.00 -17.59 6.76 21.04 -8.21 2.11 33.38 13.77 95th Percentile 21.81 -6.33 15.03 -21.10 2.91 15.59 -14.19 -3.71 29.64 9.34 Population 483 488 518 535 532 529 512 489 482 482 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 108 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY International EQ Comp Net Cash Flow $0 $72,900,000 $145,800,000 $218,700,000 $291,600,000 $364,500,000 ($72,900,000)Market ValueMay-01 Aug-02 Nov-03 Feb-05 May-06 Aug-07 Nov-08 Feb-10 May-11 Aug-12 Nov-13 Feb-15 May-16 Aug-17 Nov-18 Feb-20 May-21 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date International EQ Comp 06/30/2001 Beginning Market Value $171,093,014 $246,605,252 $230,430,120 $209,401,214 $163,305,162 $20,000,000 Net Contributions -$9,745,898 -$8,803,702 -$14,613,515 -$16,845,328 $1,048,610 -$5,740,800 Net Investment Return $24,505,686 -$51,948,748 $30,788,647 $37,874,234 $45,047,441 $171,593,602 Ending Market Value $185,852,802 $185,852,802 $246,605,252 $230,430,120 $209,401,214 $185,852,802 City of Clearwater - International EQ Comp MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 109 TOTAL PORTFOLIO TRAILING PERFORMANCE International EQ Comp MSCI AC World ex USA (Net) 0 15 30 -15 -30 -45Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception International EQ Comp 14.31 -21.08 2.04 3.61 4.86 MSCI AC World ex USA (Net)14.28 -16.00 0.07 0.88 4.87 TOTAL PORTFOLIO CALENDAR PERFORMANCE International EQ Comp MSCI AC World ex USA (Net) 0 20 40 -20 -40Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception International EQ Comp -21.08 13.92 18.16 27.53 -11.88 4.86 MSCI AC World ex USA (Net)-16.00 7.82 10.65 21.51 -14.20 4.87 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 110 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: June 1, 2001) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index International EQ Comp MSCI AC World ex USA (Net) -3 0 3 6 9 12 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 26.0 28.0 Risk (Annualized Standard Deviation) International EQ Comp MSCI AC World ex USA (Net) Down Quarters 5.00 5.00 Up Quarters 7.00 7.00 Positive Months Ratio 58.33 55.56 Worst Quarter -22.76 -23.36 Best Quarter 21.49 19.84 Standard Deviation 20.72 19.26 Max Drawdown Recovery Period -- Maximum Drawdown -31.22 -27.87 Beta 1.05 1.00 Alpha 2.16 0.00 R-Squared 0.96 1.00 Treynor Ratio 0.03 0.01 Tracking Error 4.23 0.00 Information Ratio 0.53 - International EQ Comp MSCI AC World ex USA (Net) Down Quarters -- Up Quarters -- Positive Months Ratio 57.92 59.46 Worst Quarter -40.04 -37.57 Best Quarter 45.62 39.37 Standard Deviation 17.26 17.09 Max Drawdown Recovery Period 72.00 115.00 Maximum Drawdown -57.23 -57.63 Beta 0.99 1.00 Alpha 0.10 0.00 R-Squared 0.96 1.00 Treynor Ratio 0.05 0.05 Tracking Error 3.59 0.00 Information Ratio 0.01 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 111 -36 -28 -20 -12 -4 4 12 20 28 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years International EQ Comp 14.31 (54)-21.08 (-)-5.18 (-)2.04 (-)7.89 (-)3.61 (-)7.32 (-)6.66 (-)4.43 (-)„ MSCI AC World ex USA (Net) 14.28 (55)-16.00 (-)-4.83 (-)0.07 (-)5.05 (-)0.88 (-)4.85 (-)4.80 (-)3.43 (-)˜ 5th Percentile 14.51 -------- 1st Quartile 14.47 -------- Median 14.42 -------- 3rd Quartile 13.74 -------- 95th Percentile 13.19 -------- PLAN SPONSOR PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 112 -30 -20 -10 0 10 20 30 40 50 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 International EQ Comp 13.92 (1)18.16 (1)27.53 (1)-11.88 (1)27.97 (74)2.78 (50)-9.91 (100)-5.56 (100)10.23 (100)17.61 (-)„ MSCI AC World ex USA (Net) 7.82 (100)10.65 (100)21.51 (71)-14.20 (64)27.19 (100)4.50 (15)-5.66 (100)-3.87 (58)15.29 (67)16.83 (-)˜ 5th Percentile 9.51 15.19 24.20 -13.11 31.38 5.10 1.47 -2.05 22.40 - 1st Quartile 8.98 14.55 23.88 -13.70 31.02 3.86 -1.68 -2.64 17.66 - Median 8.75 13.34 22.96 -13.91 30.17 2.78 -2.15 -3.56 15.48 - 3rd Quartile 8.70 12.84 21.06 -14.80 27.83 1.78 -3.95 -4.51 15.28 - 95th Percentile 8.60 11.54 20.51 -16.16 27.45 -0.59 -4.25 -5.20 15.25 - PLAN SPONSOR PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 113 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY DFA Emerging Markets Net Cash Flow $0 $14,900,000 $29,800,000 $44,700,000 $59,600,000 $74,500,000 ($14,900,000)Market ValueOct-17 Apr-18 Oct-18 Apr-19 Oct-19 Apr-20 Oct-20 Apr-21 Oct-21 Apr-22 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date DFA Emerging Markets 11/01/2017 Beginning Market Value $37,031,154 $48,958,040 $46,258,878 $40,627,492 $35,012,348 $39,577,385 Net Contributions -$484 -$1,980 -$2,458 -$1,716 -$1,382 -$8,999 Net Investment Return $3,898,015 -$8,027,375 $2,701,619 $5,633,102 $5,616,527 $1,360,298 Ending Market Value $40,928,685 $40,928,685 $48,958,040 $46,258,878 $40,627,492 $40,928,685 City of Clearwater - DFA Emerging Markets MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 114 TOTAL PORTFOLIO TRAILING PERFORMANCE DFA Emerging Markets MSCI Emerging Markets (Net) 0 15 30 -15 -30Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception DFA Emerging Markets 10.53 -16.40 0.25 -0.18 0.66 MSCI Emerging Markets (Net)9.70 -20.09 -2.69 -1.40 -0.64 TOTAL PORTFOLIO CALENDAR PERFORMANCE DFA Emerging Markets MSCI Emerging Markets (Net) 0 15 30 -15 -30Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception DFA Emerging Markets -16.40 5.84 13.87 16.04 -15.25 0.66 MSCI Emerging Markets (Net)-20.09 -2.54 18.31 18.42 -14.57 -0.64 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 115 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: November 1, 2017) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index DFA Emerging Markets MSCI Emerging Markets (Net) -4 0 4 8 12 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 Risk (Annualized Standard Deviation) DFA Emerging Markets MSCI Emerging Markets (Net) Down Quarters 5.00 6.00 Up Quarters 7.00 6.00 Positive Months Ratio 55.56 52.78 Worst Quarter -28.31 -23.60 Best Quarter 21.28 20.88 Standard Deviation 21.55 20.26 Max Drawdown Recovery Period -- Maximum Drawdown -29.41 -35.98 Beta 1.04 1.00 Alpha 3.37 0.00 R-Squared 0.96 1.00 Treynor Ratio 0.02 -0.01 Tracking Error 4.52 0.00 Information Ratio 0.73 - DFA Emerging Markets MSCI Emerging Markets (Net) Down Quarters -- Up Quarters -- Positive Months Ratio 51.61 51.61 Worst Quarter -28.31 -23.60 Best Quarter 21.28 20.88 Standard Deviation 19.03 18.44 Max Drawdown Recovery Period 35.00 - Maximum Drawdown -34.14 -35.98 Beta 1.01 1.00 Alpha 1.43 0.00 R-Squared 0.96 1.00 Treynor Ratio 0.01 0.00 Tracking Error 3.93 0.00 Information Ratio 0.36 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 116 -50 -40 -30 -20 -10 0 10 20 30 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years DFA Emerging Markets 10.53 (41)-16.40 (15)-5.93 (14)0.25 (18)3.99 (25)-0.18 (24)---„ MSCI Emerging Markets (Net) 9.70 (57)-20.09 (31)-11.75 (39)-2.69 (42)2.20 (54)-1.40 (41)4.20 (42)5.17 (34)2.42 (43)˜ 5th Percentile 13.80 -12.65 -1.54 2.85 7.21 2.36 7.33 7.36 4.91 1st Quartile 11.35 -19.13 -9.08 -0.96 3.95 -0.30 5.12 5.67 3.19 Median 9.98 -22.47 -12.83 -3.29 2.39 -1.79 3.85 4.57 2.14 3rd Quartile 8.24 -25.94 -16.46 -4.78 1.20 -2.85 2.69 3.47 1.15 95th Percentile 3.17 -32.98 -19.96 -7.37 -1.22 -4.83 0.70 1.69 -0.33 Population 861 829 787 760 737 701 675 647 600 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 117 -40 -25 -10 5 20 35 50 65 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 DFA Emerging Markets 5.84 (17)13.87 (71)16.04 (80)-15.25 (39)------„ MSCI Emerging Markets (Net) -2.54 (59)18.31 (47)18.42 (65)-14.57 (29)37.28 (43)11.19 (30)-14.92 (63)-2.19 (44)-2.60 (64)18.23 (63)˜ 5th Percentile 14.68 40.37 30.32 -10.55 46.94 19.13 -5.99 3.79 14.84 27.87 1st Quartile 3.69 25.15 24.42 -14.14 40.61 11.78 -10.08 -0.14 3.99 21.78 Median -1.37 17.80 20.57 -16.50 35.78 8.47 -13.65 -2.79 -1.01 19.09 3rd Quartile -5.44 11.97 17.09 -19.02 29.59 4.04 -16.21 -4.82 -4.11 16.38 95th Percentile -12.42 0.87 9.19 -22.44 21.66 -2.36 -20.90 -8.78 -7.44 11.87 Population 825 842 886 902 907 896 833 733 653 594 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 118 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Thompson, Siegel & Walmsley Net Cash Flow $0 $22,900,000 $45,800,000 $68,700,000 $91,600,000 $114,500,000 ($22,900,000)Market ValueJul-15 Jan-16 Jul-16 Jan-17 Jul-17 Jan-18 Jul-18 Jan-19 Jul-19 Jan-20 Jul-20 Jan-21 Jul-21 Jan-22 Jul-22 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Thompson, Siegel & Walmsley 08/01/2015 Beginning Market Value $59,265,395 $80,786,203 $70,805,506 $75,262,080 $61,444,501 $16,165,278 Net Contributions -$4,891,369 -$4,551,771 $521,148 -$8,543,597 $470,130 $29,375,802 Net Investment Return $10,467,986 -$11,392,420 $9,459,550 $4,087,023 $13,347,449 $19,300,933 Ending Market Value $64,842,013 $64,842,013 $80,786,203 $70,805,506 $75,262,080 $64,842,013 City of Clearwater - Thompson, Siegel & Walmsley MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 119 TOTAL PORTFOLIO TRAILING PERFORMANCE Thompson, Siegel & Walmsley MSCI EAFE Value Index (Net) 0 15 30 -15 -30Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Thompson, Siegel & Walmsley 17.66 -14.12 0.91 1.18 2.55 MSCI EAFE Value Index (Net)19.64 -5.58 0.65 0.17 2.06 TOTAL PORTFOLIO CALENDAR PERFORMANCE Thompson, Siegel & Walmsley MSCI EAFE Value Index (Net) 0 15 30 -15 -30Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Thompson, Siegel & Walmsley -14.12 13.34 5.58 21.67 -15.20 2.55 MSCI EAFE Value Index (Net)-5.58 10.89 -2.63 16.09 -14.78 2.06 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 120 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: July 1, 2015) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Thompson, Siegel & Walmsley MSCI EAFE Value Index (Net) -4 0 4 8 12 Annualized Return (%)-4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 Risk (Annualized Standard Deviation) Thompson, Siegel & Walmsley MSCI EAFE Value Index (Net) Down Quarters 5.00 4.00 Up Quarters 7.00 8.00 Positive Months Ratio 55.56 58.33 Worst Quarter -25.99 -28.20 Best Quarter 21.21 23.24 Standard Deviation 21.11 21.94 Max Drawdown Recovery Period -13.00 Maximum Drawdown -27.01 -28.20 Beta 0.94 1.00 Alpha 0.29 0.00 R-Squared 0.95 1.00 Treynor Ratio 0.03 0.02 Tracking Error 4.81 0.00 Information Ratio 0.02 - Thompson, Siegel & Walmsley MSCI EAFE Value Index (Net) Down Quarters 13.00 11.00 Up Quarters 17.00 19.00 Positive Months Ratio 55.56 58.89 Worst Quarter -25.99 -28.20 Best Quarter 21.21 23.24 Standard Deviation 16.56 17.23 Max Drawdown Recovery Period 35.00 39.00 Maximum Drawdown -27.71 -32.60 Beta 0.93 1.00 Alpha 0.60 0.00 R-Squared 0.94 1.00 Treynor Ratio 0.03 0.03 Tracking Error 4.09 0.00 Information Ratio 0.09 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 121 -28 -20 -12 -4 4 12 20 28 36 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Thompson, Siegel & Walmsley 17.66 (67)-14.12 (87)-1.34 (73)0.91 (49)5.74 (39)1.18 (32)4.42 (36)3.75 (52)-„ MSCI EAFE Value Index (Net) 19.64 (38)-5.58 (16)2.32 (27)0.65 (56)4.30 (68)0.17 (60)3.44 (63)3.66 (56)2.45 (61)˜ 5th Percentile 22.97 -2.58 6.30 3.85 7.87 3.62 5.66 5.81 4.82 1st Quartile 20.43 -6.74 2.46 2.33 6.40 1.31 4.77 4.63 3.59 Median 18.58 -9.42 0.51 0.85 4.95 0.42 3.84 3.78 2.82 3rd Quartile 16.62 -11.94 -1.51 -0.33 3.93 -0.48 3.12 3.04 2.04 95th Percentile 14.38 -17.84 -4.94 -2.31 2.25 -1.85 1.88 1.94 0.92 Population 381 376 359 346 345 328 322 309 292 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 122 -40 -30 -20 -10 0 10 20 30 40 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Thompson, Siegel & Walmsley 13.34 (30)5.58 (20)21.67 (17)-15.20 (34)22.27 (58)-0.19 (85)----„ MSCI EAFE Value Index (Net) 10.89 (61)-2.63 (85)16.09 (77)-14.78 (29)21.44 (66)5.02 (30)-5.68 (69)-5.39 (49)22.95 (35)17.69 (50)˜ 5th Percentile 17.84 9.04 24.52 -9.37 29.51 12.77 3.47 0.57 29.34 24.00 1st Quartile 13.77 4.92 20.84 -14.00 25.14 7.11 0.55 -3.64 24.08 20.11 Median 11.79 2.51 18.29 -16.22 22.79 2.40 -3.28 -5.45 21.38 17.51 3rd Quartile 9.57 -0.72 16.18 -17.90 20.14 0.44 -6.46 -7.09 18.73 15.86 95th Percentile 5.65 -7.06 13.05 -22.34 14.64 -3.05 -12.12 -10.51 10.08 10.93 Population 375 389 402 394 410 402 379 361 332 323 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 123 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY WCM Investment Management Net Cash Flow $0 $36,900,000 $73,800,000 $110,700,000 $147,600,000 $184,500,000 ($36,900,000)Market ValueJul-15 Jan-16 Jul-16 Jan-17 Jul-17 Jan-18 Jul-18 Jan-19 Jul-19 Jan-20 Jul-20 Jan-21 Jul-21 Jan-22 Jul-22 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date WCM Investment Management 08/01/2015 Beginning Market Value $74,796,465 $116,861,009 $113,365,735 $93,511,642 $66,848,314 $16,315,776 Net Contributions -$4,854,045 -$4,249,952 -$15,132,205 -$8,300,016 $579,862 $9,271,173 Net Investment Return $10,139,684 -$32,528,953 $18,627,478 $28,154,110 $26,083,466 $54,495,155 Ending Market Value $80,082,105 $80,082,105 $116,861,009 $113,365,735 $93,511,642 $80,082,105 City of Clearwater - WCM Investment Management MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 124 TOTAL PORTFOLIO TRAILING PERFORMANCE WCM Investment Management MSCI AC World ex USA (Net) 0 20 40 -20 -40Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception WCM Investment Management 13.54 -27.85 3.52 7.57 8.60 MSCI AC World ex USA (Net)14.28 -16.00 0.07 0.88 3.12 TOTAL PORTFOLIO CALENDAR PERFORMANCE WCM Investment Management MSCI AC World ex USA (Net)0 25 50 75 -25 -50Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception WCM Investment Management -27.85 18.16 30.12 38.94 -6.56 8.60 MSCI AC World ex USA (Net)-16.00 7.82 10.65 21.51 -14.20 3.12 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 125 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: July 1, 2015) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index WCM Investment Management MSCI AC World ex USA (Net) -4 0 4 8 12 Annualized Return (%)-4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 Risk (Annualized Standard Deviation) WCM Investment Management MSCI AC World ex USA (Net) Down Quarters 4.00 5.00 Up Quarters 8.00 7.00 Positive Months Ratio 55.56 55.56 Worst Quarter -17.75 -23.36 Best Quarter 25.38 19.84 Standard Deviation 22.54 19.26 Max Drawdown Recovery Period -- Maximum Drawdown -36.45 -27.87 Beta 1.06 1.00 Alpha 4.05 0.00 R-Squared 0.82 1.00 Treynor Ratio 0.05 0.01 Tracking Error 9.74 0.00 Information Ratio 0.42 - WCM Investment Management MSCI AC World ex USA (Net) Down Quarters 8.00 13.00 Up Quarters 22.00 17.00 Positive Months Ratio 66.67 58.89 Worst Quarter -17.75 -23.36 Best Quarter 25.38 19.84 Standard Deviation 17.03 15.59 Max Drawdown Recovery Period -- Maximum Drawdown -36.45 -27.87 Beta 0.96 1.00 Alpha 5.74 0.00 R-Squared 0.78 1.00 Treynor Ratio 0.09 0.03 Tracking Error 8.04 0.00 Information Ratio 0.68 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 126 -50 -40 -30 -20 -10 0 10 20 30 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years WCM Investment Management 13.54 (58)-27.85 (71)-7.67 (33)3.52 (6)11.42 (1)7.57 (1)11.47 (2)9.60 (1)-„ MSCI AC World ex USA (Net)14.28 (42)-16.00 (6)-4.83 (11)0.07 (51)5.05 (77)0.88 (72)4.85 (81)4.80 (53)3.43 (84)˜ 5th Percentile 16.84 -15.96 -3.67 3.54 10.16 5.65 9.87 8.01 7.45 1st Quartile 15.30 -21.54 -6.51 1.43 7.66 3.23 7.50 6.03 5.50 Median 13.78 -24.96 -10.13 0.14 6.46 1.81 6.20 4.88 4.33 3rd Quartile 12.32 -28.57 -13.40 -1.44 5.26 0.62 5.06 4.08 3.69 95th Percentile 9.82 -37.03 -22.18 -5.53 2.83 -1.01 3.77 2.95 2.69 Population 452 447 428 411 400 395 383 360 349 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 127 -40 -25 -10 5 20 35 50 65 80 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 WCM Investment Management 18.16 (4)30.12 (22)38.94 (1)-6.56 (4)33.22 (32)-1.00 (42)----„ MSCI AC World ex USA (Net) 7.82 (58)10.65 (97)21.51 (96)-14.20 (48)27.19 (79)4.50 (7)-5.66 (99)-3.87 (51)15.29 (76)16.83 (79)˜ 5th Percentile 16.87 54.98 35.59 -7.60 44.09 4.91 7.51 2.58 31.15 22.94 1st Quartile 11.71 28.28 31.05 -11.54 34.32 0.82 3.55 -1.80 23.81 20.60 Median 8.70 22.16 27.95 -14.45 30.86 -2.29 0.58 -3.70 20.27 18.79 3rd Quartile 3.31 16.33 26.56 -16.66 27.57 -5.12 -0.94 -6.15 15.84 17.35 95th Percentile -5.35 13.37 22.34 -19.55 23.48 -7.81 -3.69 -9.15 11.87 12.47 Population 453 442 447 458 470 440 424 408 400 379 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 128 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Fixed Income Comp Net Cash Flow $0 $114,900,000 $229,800,000 $344,700,000 $459,600,000 $574,500,000 ($114,900,000)Market ValueDec-87 Mar-90 Jun-92 Sep-94 Dec-96 Mar-99 Jun-01 Sep-03 Dec-05 Mar-08 Jun-10 Sep-12 Dec-14 Mar-17 Jun-19 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Fixed Income Comp 01/31/1988 Beginning Market Value $302,238,466 $396,061,507 $352,063,181 $292,557,226 $280,708,964 $59,224,151 Net Contributions $29,532,950 -$11,580,423 $48,458,500 $33,603,977 -$14,285,878 $85,758,694 Net Investment Return $7,173,170 -$45,536,498 -$4,460,173 $25,901,977 $26,134,140 $193,961,741 Ending Market Value $338,944,586 $338,944,586 $396,061,507 $352,063,181 $292,557,226 $338,944,586 City of Clearwater - Fixed Income Comp MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 129 TOTAL PORTFOLIO TRAILING PERFORMANCE Fixed Income Comp Blmbg. U.S. Aggregate Index 0 8 16 -8 -16 -24Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Fixed Income Comp 2.43 -12.21 -1.93 0.53 5.42 Blmbg. U.S. Aggregate Index 1.87 -13.01 -2.71 0.02 5.43 TOTAL PORTFOLIO CALENDAR PERFORMANCE Fixed Income Comp Blmbg. U.S. Aggregate Index 0 10 20 -10 -20Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Fixed Income Comp -12.21 -1.40 8.97 9.28 -0.38 5.42 Blmbg. U.S. Aggregate Index -13.01 -1.55 7.51 8.72 0.01 5.43 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 130 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: January 1, 1998) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Fixed Income Comp Blmbg. U.S. Aggregate Index 0 3 6 9 12 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 26.0 Risk (Annualized Standard Deviation) Fixed Income Comp Blmbg. U.S. Aggregate Index Down Quarters 5.00 4.00 Up Quarters 7.00 8.00 Positive Months Ratio 44.44 44.44 Worst Quarter -8.54 -8.23 Best Quarter 5.14 3.15 Standard Deviation 6.24 5.77 Max Drawdown Recovery Period -- Maximum Drawdown -16.58 -17.18 Beta 1.05 1.00 Alpha 0.97 0.00 R-Squared 0.95 1.00 Treynor Ratio -0.02 -0.03 Tracking Error 1.47 0.00 Information Ratio 0.56 - Fixed Income Comp Blmbg. U.S. Aggregate Index Down Quarters 27.00 31.00 Up Quarters 113.00 109.00 Positive Months Ratio 74.76 66.67 Worst Quarter -8.54 -8.23 Best Quarter 7.14 8.01 Standard Deviation 3.30 3.99 Max Drawdown Recovery Period -- Maximum Drawdown -16.58 -17.18 Beta 0.66 1.00 Alpha 1.79 0.00 R-Squared 0.64 1.00 Treynor Ratio 0.04 0.02 Tracking Error 2.38 0.00 Information Ratio -0.02 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 131 -20 -16 -12 -8 -4 0 4 8 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Fixed Income Comp 2.43 (24)-12.21 (79)-6.96 (90)-1.93 (100)0.76 (100)0.53 (100)1.09 (-)1.64 (-)1.47 (-)„ Blmbg. U.S. Aggregate Index 1.87 (51)-13.01 (91)-7.45 (100)-2.71 (100)0.03 (100)0.02 (100)0.60 (-)0.89 (-)0.85 (-)˜ 5th Percentile 2.88 -0.59 3.46 2.60 3.66 3.24 --- 1st Quartile 2.40 -5.16 -0.99 0.62 2.53 2.08 --- Median 1.89 -7.97 -6.55 -1.85 1.11 0.64 --- 3rd Quartile 1.41 -11.98 -6.81 -1.87 1.06 0.64 --- 95th Percentile 0.03 -13.29 -7.01 -1.89 1.02 0.63 --- PLAN SPONSOR PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 132 -7 -4 -1 2 5 8 11 14 17 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Fixed Income Comp -1.40 (96)8.97 (37)9.28 (58)-0.38 (36)3.91 (100)5.01 (99)0.30 (32)6.18 (28)-0.75 (38)6.53 (-)„ Blmbg. U.S. Aggregate Index -1.55 (99)7.51 (72)8.72 (66)0.01 (29)3.54 (100)2.65 (100)0.55 (26)5.97 (30)-2.02 (57)4.21 (-)˜ 5th Percentile 12.27 12.15 12.41 1.94 9.57 9.87 1.45 8.88 2.09 - 1st Quartile 4.52 11.24 10.18 0.25 8.04 8.86 0.58 6.49 0.36 - Median 0.33 8.19 9.60 -0.83 7.08 7.14 -0.82 3.50 -1.81 - 3rd Quartile -0.74 7.13 8.56 -1.35 5.86 5.99 -2.34 3.43 -2.69 - 95th Percentile -1.34 2.00 7.25 -1.78 4.74 5.13 -3.48 3.39 -3.40 - PLAN SPONSOR PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 133 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Dodge & Cox Net Cash Flow $0 $56,900,000 $113,800,000 $170,700,000 $227,600,000 $284,500,000 ($56,900,000)Market ValueFeb-04 May-05 Aug-06 Nov-07 Feb-09 May-10 Aug-11 Nov-12 Feb-14 May-15 Aug-16 Nov-17 Feb-19 May-20 Aug-21 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Dodge & Cox 03/01/2004 Beginning Market Value $149,482,882 $185,443,564 $169,891,140 $147,853,525 $140,936,604 $75,655,868 Net Contributions $73,248 -$12,209,811 $17,302,179 $9,289,492 -$5,713,752 $9,939,792 Net Investment Return $3,927,943 -$19,749,680 -$1,749,755 $12,748,123 $12,630,672 $67,888,413 Ending Market Value $153,484,073 $153,484,073 $185,443,564 $169,891,140 $147,853,525 $153,484,073 City of Clearwater - Dodge & Cox MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 134 TOTAL PORTFOLIO TRAILING PERFORMANCE Dodge & Cox Blmbg. U.S. Aggregate Index 0 8 -8 -16 -24Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Dodge & Cox 2.63 -10.57 -1.31 0.94 3.82 Blmbg. U.S. Aggregate Index 1.87 -13.01 -2.71 0.02 2.97 TOTAL PORTFOLIO CALENDAR PERFORMANCE Dodge & Cox Blmbg. U.S. Aggregate Index 0 10 20 -10 -20Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Dodge & Cox -10.57 -1.15 8.72 8.98 0.02 3.82 Blmbg. U.S. Aggregate Index -13.01 -1.55 7.51 8.72 0.01 2.97 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 135 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: March 1, 2004) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Dodge & Cox Blmbg. U.S. Aggregate Index -4 0 4 8 12 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 26.0 28.0 Risk (Annualized Standard Deviation) Dodge & Cox Blmbg. U.S. Aggregate Index Down Quarters 5.00 4.00 Up Quarters 7.00 8.00 Positive Months Ratio 41.67 44.44 Worst Quarter -7.68 -8.23 Best Quarter 5.22 3.15 Standard Deviation 5.88 5.77 Max Drawdown Recovery Period -- Maximum Drawdown -15.06 -17.18 Beta 0.97 1.00 Alpha 1.37 0.00 R-Squared 0.91 1.00 Treynor Ratio -0.02 -0.03 Tracking Error 1.74 0.00 Information Ratio 0.82 - Dodge & Cox Blmbg. U.S. Aggregate Index Down Quarters -- Up Quarters -- Positive Months Ratio 65.93 61.95 Worst Quarter -7.68 -8.23 Best Quarter 7.19 6.16 Standard Deviation 3.72 3.81 Max Drawdown Recovery Period -- Maximum Drawdown -15.06 -17.18 Beta 0.86 1.00 Alpha 1.25 0.00 R-Squared 0.77 1.00 Treynor Ratio 0.03 0.02 Tracking Error 1.85 0.00 Information Ratio 0.44 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 136 -20 -16 -12 -8 -4 0 4 8 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Dodge & Cox 2.63 (3)-10.57 (8)-5.98 (8)-1.31 (7)1.17 (2)0.94 (4)1.44 (3)2.02 (1)1.75 (2)„ Blmbg. U.S. Aggregate Index 1.87 (27)-13.01 (28)-7.45 (32)-2.71 (45)0.03 (43)0.02 (35)0.60 (38)0.89 (41)0.85 (36)˜ 5th Percentile 2.34 -9.54 -5.60 -1.24 0.99 0.78 1.23 1.59 1.37 1st Quartile 1.89 -12.90 -7.32 -2.36 0.29 0.12 0.74 1.08 0.98 Median 1.64 -13.45 -7.71 -2.78 -0.04 -0.12 0.49 0.81 0.73 3rd Quartile 1.40 -14.13 -8.10 -3.10 -0.41 -0.46 0.16 0.49 0.41 95th Percentile 0.76 -15.76 -8.84 -3.90 -1.09 -1.09 -0.48 -0.14 -0.19 Population 471 459 446 431 422 407 397 374 371 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 137 -7 -4 -1 2 5 8 11 14 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Dodge & Cox -1.15 (29)8.72 (27)8.98 (27)0.02 (26)3.99 (22)5.55 (2)-0.12 (66)6.01 (25)0.65 (4)7.85 (19)„ Blmbg. U.S. Aggregate Index -1.55 (48)7.51 (61)8.72 (35)0.01 (27)3.54 (42)2.65 (47)0.55 (26)5.97 (28)-2.02 (49)4.21 (75)˜ 5th Percentile -0.17 10.72 10.01 0.88 4.67 4.85 1.43 7.14 -0.15 10.10 1st Quartile -1.09 8.78 9.04 0.03 3.92 3.11 0.57 5.99 -1.38 7.11 Median -1.59 7.83 8.46 -0.43 3.39 2.56 0.21 5.54 -2.07 5.85 3rd Quartile -1.98 7.13 7.70 -0.88 2.89 2.11 -0.45 4.73 -2.57 4.20 95th Percentile -2.53 4.74 5.44 -1.87 1.95 1.27 -1.46 2.44 -3.53 3.00 Population 455 452 468 466 516 513 509 504 497 473 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 138 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Western Asset Management Co.Net Cash Flow $0 $56,900,000 $113,800,000 $170,700,000 $227,600,000 $284,500,000 ($56,900,000)Market ValueSep-04 Dec-05 Mar-07 Jun-08 Sep-09 Dec-10 Mar-12 Jun-13 Sep-14 Dec-15 Mar-17 Jun-18 Sep-19 Dec-20 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Western Asset Management Co.10/31/2004 Beginning Market Value $144,359,367 $185,610,364 $168,914,677 $146,457,711 $140,609,364 $74,568,168 Net Contributions $92,013 -$12,108,553 $19,408,773 $9,374,395 -$7,632,793 $44,284,986 Net Investment Return $3,237,729 -$25,812,702 -$2,713,086 $13,082,572 $13,481,139 $28,835,955 Ending Market Value $147,689,109 $147,689,109 $185,610,364 $168,914,677 $146,457,711 $147,689,109 City of Clearwater - Western Asset Management Co. MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 139 TOTAL PORTFOLIO TRAILING PERFORMANCE Western Asset Management Co. Blmbg. U.S. Aggregate Index 0 8 -8 -16 -24Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Western Asset Management Co.2.24 -13.94 -2.68 0.06 3.27 Blmbg. U.S. Aggregate Index 1.87 -13.01 -2.71 0.02 2.99 TOTAL PORTFOLIO CALENDAR PERFORMANCE Western Asset Management Co. Blmbg. U.S. Aggregate Index 0 10 20 -10 -20Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Western Asset Management Co.-13.94 -1.78 9.04 9.60 -0.73 3.27 Blmbg. U.S. Aggregate Index -13.01 -1.55 7.51 8.72 0.01 2.99 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 140 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: October 1, 2004) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Western Asset Management Co.Blmbg. U.S. Aggregate Index -4 0 4 8 12 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 26.0 28.0 Risk (Annualized Standard Deviation) Western Asset Management Co.Blmbg. U.S. Aggregate Index Down Quarters 4.00 4.00 Up Quarters 8.00 8.00 Positive Months Ratio 47.22 44.44 Worst Quarter -9.01 -8.23 Best Quarter 4.65 3.15 Standard Deviation 6.63 5.77 Max Drawdown Recovery Period -- Maximum Drawdown -18.48 -17.18 Beta 1.13 1.00 Alpha 0.43 0.00 R-Squared 0.97 1.00 Treynor Ratio -0.03 -0.03 Tracking Error 1.36 0.00 Information Ratio 0.06 - Western Asset Management Co.Blmbg. U.S. Aggregate Index Down Quarters 21.00 20.00 Up Quarters 52.00 53.00 Positive Months Ratio 63.47 61.64 Worst Quarter -9.01 -8.23 Best Quarter 7.74 6.16 Standard Deviation 4.18 3.78 Max Drawdown Recovery Period -- Maximum Drawdown -18.48 -17.18 Beta 1.08 1.00 Alpha 0.04 0.00 R-Squared 0.96 1.00 Treynor Ratio 0.02 0.02 Tracking Error 0.92 0.00 Information Ratio 0.31 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 141 -20 -16 -12 -8 -4 0 4 8 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Western Asset Management Co. 2.24 (7)-13.94 (70)-8.06 (74)-2.68 (43)0.25 (28)0.06 (30)0.72 (26)1.13 (22)1.08 (19)„ Blmbg. U.S. Aggregate Index 1.87 (27)-13.01 (28)-7.45 (32)-2.71 (45)0.03 (43)0.02 (35)0.60 (38)0.89 (41)0.85 (36)˜ 5th Percentile 2.34 -9.54 -5.60 -1.24 0.99 0.78 1.23 1.59 1.37 1st Quartile 1.89 -12.90 -7.32 -2.36 0.29 0.12 0.74 1.08 0.98 Median 1.64 -13.45 -7.71 -2.78 -0.04 -0.12 0.49 0.81 0.73 3rd Quartile 1.40 -14.13 -8.10 -3.10 -0.41 -0.46 0.16 0.49 0.41 95th Percentile 0.76 -15.76 -8.84 -3.90 -1.09 -1.09 -0.48 -0.14 -0.19 Population 471 459 446 431 422 407 397 374 371 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 142 -7 -4 -1 2 5 8 11 14 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Western Asset Management Co. -1.78 (63)9.04 (22)9.60 (12)-0.73 (68)4.08 (19)3.66 (15)0.73 (19)6.65 (11)-2.46 (72)5.07 (64)„ Blmbg. U.S. Aggregate Index -1.55 (48)7.51 (61)8.72 (35)0.01 (27)3.54 (42)2.65 (47)0.55 (26)5.97 (28)-2.02 (49)4.21 (75)˜ 5th Percentile -0.17 10.72 10.01 0.88 4.67 4.85 1.43 7.14 -0.15 10.10 1st Quartile -1.09 8.78 9.04 0.03 3.92 3.11 0.57 5.99 -1.38 7.11 Median -1.59 7.83 8.46 -0.43 3.39 2.56 0.21 5.54 -2.07 5.85 3rd Quartile -1.98 7.13 7.70 -0.88 2.89 2.11 -0.45 4.73 -2.57 4.20 95th Percentile -2.53 4.74 5.44 -1.87 1.95 1.27 -1.46 2.44 -3.53 3.00 Population 455 452 468 466 516 513 509 504 497 473 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 143 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Real Estate Comp Net Cash Flow $0 $58,900,000 $117,800,000 $176,700,000 $235,600,000 $294,500,000 ($58,900,000)Market ValueApr-08 Apr-09 Apr-10 Apr-11 Apr-12 Apr-13 Apr-14 Apr-15 Apr-16 Apr-17 Apr-18 Apr-19 Apr-20 Apr-21 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Real Estate Comp 05/31/2008 Beginning Market Value $202,544,633 $184,449,491 $155,269,328 $153,651,530 $160,824,722 $19,346,573 Net Contributions -$91,107 $7,673,993 -$2,427,099 -$1,083,226 -$22,030,447 $9,813,129 Net Investment Change -$2,067,102 $8,262,940 $31,607,262 $2,701,024 $14,857,255 $171,226,723 Ending Market Value $200,386,425 $200,386,425 $184,449,491 $155,269,328 $153,651,530 $200,386,425 City of Clearwater - Real Estate Comp MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 144 TOTAL PORTFOLIO TRAILING PERFORMANCE Real Estate Comp Real Estate Composite Benchmark 0 6 12 18 -6 -12Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Real Estate Comp -1.02 4.28 8.56 8.41 10.56 Real Estate Composite Benchmark -3.18 -4.99 7.97 8.31 7.39 TOTAL PORTFOLIO CALENDAR PERFORMANCE Real Estate Comp Real Estate Composite Benchmark 0 20 40 60 -20Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Real Estate Comp 4.28 20.55 1.78 10.16 6.23 10.56 Real Estate Composite Benchmark -4.99 38.19 -4.14 18.82 -0.35 7.39 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 145 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: July 1, 2008) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Real Estate Comp Real Estate Composite Benchmark -16 -8 0 8 16 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 26.0 28.0 30.0 Risk (Annualized Standard Deviation) Real Estate Comp Real Estate Composite Benchmark Down Quarters 2.00 5.00 Up Quarters 10.00 7.00 Positive Months Ratio 63.89 61.11 Worst Quarter -2.59 -17.24 Best Quarter 7.39 14.11 Standard Deviation 5.92 13.92 Max Drawdown Recovery Period 11.00 14.00 Maximum Drawdown -2.61 -17.64 Beta 0.29 1.00 Alpha 6.08 0.00 R-Squared 0.46 1.00 Treynor Ratio 0.27 0.08 Tracking Error 10.82 0.00 Information Ratio -0.02 - Real Estate Comp Real Estate Composite Benchmark Down Quarters 10.00 17.00 Up Quarters 48.00 41.00 Positive Months Ratio -- Worst Quarter -8.90 -40.40 Best Quarter 17.85 35.93 Standard Deviation 8.36 21.68 Max Drawdown Recovery Period 3.00 10.00 Maximum Drawdown -8.90 -60.57 Beta 0.03 1.00 Alpha 11.62 0.00 R-Squared 0.01 1.00 Treynor Ratio 3.45 0.10 Tracking Error 22.59 0.00 Information Ratio 0.04 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 146 -12 -8 -4 0 4 8 12 16 20 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Real Estate Comp -1.02 (49)4.28 (73)12.12 (49)8.56 (33)8.96 (26)8.41 (32)8.06 (27)7.89 (46)7.78 (91)„ Real Estate Composite Benchmark -3.18 (82)-4.99 (96)14.58 (18)7.97 (67)10.59 (1)8.31 (34)7.89 (41)7.93 (45)7.99 (74)˜ 5th Percentile 1.10 14.29 15.56 11.10 10.18 9.26 8.83 9.25 9.96 1st Quartile 0.18 11.99 13.71 9.63 9.00 8.78 8.08 8.56 8.90 Median -1.08 9.74 12.04 8.41 7.69 7.92 7.60 7.73 8.58 3rd Quartile -2.58 3.95 11.82 7.76 7.01 7.00 6.91 7.02 7.96 95th Percentile -5.96 -4.15 9.01 5.63 5.86 6.31 6.58 6.89 7.75 PLAN SPONSOR PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 147 -30 -20 -10 0 10 20 30 40 50 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Real Estate Comp 20.55 (25)1.78 (20)10.16 (1)6.23 (95)6.30 (86)6.94 (77)6.96 (88)21.77 (1)6.29 (85)11.69 (-)„ Real Estate Composite Benchmark 38.19 (1)-4.14 (90)18.82 (1)-0.35 (100)5.80 (86)8.23 (74)8.38 (82)25.28 (1)6.16 (85)15.47 (-)˜ 5th Percentile 26.06 2.81 8.64 12.89 11.71 13.51 16.07 17.20 15.04 - 1st Quartile 20.34 1.18 7.74 9.34 9.85 11.79 15.00 12.62 14.52 - Median 16.97 0.16 6.75 8.32 8.64 9.24 13.31 11.83 11.03 - 3rd Quartile 15.95 -0.93 5.83 7.57 7.09 7.53 9.09 11.21 11.01 - 95th Percentile 13.71 -6.43 4.22 6.22 2.41 0.29 -15.99 5.44 0.64 - PLAN SPONSOR PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 148 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Hancock Net Cash Flow $0 $2,600,000 $5,200,000 $7,800,000 $10,400,000 $13,000,000 ($2,600,000)Market ValueApr-12 Jan-13 Oct-13 Jul-14 Apr-15 Jan-16 Oct-16 Jul-17 Apr-18 Jan-19 Oct-19 Jul-20 Apr-21 Jan-22 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Hancock 05/31/2012 Beginning Market Value $7,767,560 $7,846,325 $7,453,661 $7,644,837 $8,353,744 $1,263,055 Net Contributions -$50,522 -$149,624 -$328,395 -$163,226 -$1,029,877 $3,776,219 Net Investment Return -$20,337 $721,059 -$27,950 $320,970 $2,677,764 Ending Market Value $7,717,038 $7,717,038 $7,846,325 $7,453,661 $7,644,837 $7,717,038 City of Clearwater - Hancock MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 149 TOTAL PORTFOLIO TRAILING PERFORMANCE Hancock NCREIF Timberland Index 0 4 8 12 16 Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Hancock 0.00 0.26 3.19 3.29 4.29 NCREIF Timberland Index 4.89 12.90 7.51 5.37 6.13 TOTAL PORTFOLIO CALENDAR PERFORMANCE Hancock NCREIF Timberland Index 0 5 10 15 20 -5Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Hancock 0.26 9.96 -0.34 3.95 2.93 4.29 NCREIF Timberland Index 12.90 9.17 0.81 1.30 3.21 6.13 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 150 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: July 1, 2012) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Hancock NCREIF Timberland Index -5 0 5 10 15 20 Annualized Return (%)-4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 Risk (Annualized Standard Deviation) Hancock NCREIF Timberland Index Down Quarters 3.00 - Up Quarters 9.00 12.00 Positive Months Ratio -- Worst Quarter -1.78 0.04 Best Quarter 8.63 4.89 Standard Deviation 4.96 3.21 Max Drawdown Recovery Period 4.00 - Maximum Drawdown -2.26 0.00 Beta 0.80 1.00 Alpha -2.59 0.00 R-Squared 0.27 1.00 Treynor Ratio 0.03 0.07 Tracking Error 4.30 0.00 Information Ratio -0.95 - Hancock NCREIF Timberland Index Down Quarters 23.00 2.00 Up Quarters 19.00 40.00 Positive Months Ratio -- Worst Quarter -2.05 -0.26 Best Quarter 11.90 6.02 Standard Deviation 5.77 3.23 Max Drawdown Recovery Period 4.00 2.00 Maximum Drawdown -2.67 -0.26 Beta 1.22 1.00 Alpha -2.94 0.00 R-Squared 0.47 1.00 Treynor Ratio 0.03 0.05 Tracking Error 4.27 0.00 Information Ratio -0.38 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 151 -44 -36 -28 -20 -12 -4 4 12 20 28 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Hancock 0.00 (96)0.26 (1)5.00 (5)3.19 (4)3.38 (90)3.29 (65)2.94 (77)2.90 (85)3.10 (81)„ NCREIF Timberland Index 4.89 (12)12.90 (1)11.02 (1)7.51 (1)5.92 (58)5.37 (9)5.08 (21)4.72 (38)4.75 (28)˜ 5th Percentile 6.77 -16.79 4.83 2.22 8.41 5.75 6.05 6.02 5.91 1st Quartile 4.37 -25.12 3.29 0.78 7.12 4.48 4.81 5.09 4.92 Median 3.89 -26.21 2.23 -0.16 6.27 3.72 4.05 4.41 4.27 3rd Quartile 3.04 -27.75 1.08 -1.36 5.01 2.82 3.13 3.72 3.34 95th Percentile 1.47 -30.30 -5.11 -5.91 0.58 -1.32 -0.91 1.32 0.67 Population 258 255 246 243 241 233 223 221 213 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on quarterly periodicity. City of Clearwater Employees' Pension Plan 152 -25 -10 5 20 35 50 65 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Hancock 9.96 (98)-0.34 (10)3.95 (100)2.93 (1)1.24 (96)2.64 (99)4.51 (14)4.58 (100)8.91 (5)-„ NCREIF Timberland Index 9.17 (99)0.81 (9)1.30 (100)3.21 (1)3.63 (81)2.59 (99)4.97 (7)10.48 (100)9.69 (4)7.75 (100)˜ 5th Percentile 51.90 13.34 34.74 -2.96 14.14 12.28 5.24 32.10 6.62 27.19 1st Quartile 43.81 -2.89 30.16 -4.44 7.69 7.91 4.06 30.88 2.67 18.06 Median 41.35 -4.68 27.78 -5.75 5.38 6.10 2.95 29.75 1.76 16.88 3rd Quartile 39.09 -7.38 25.16 -7.41 3.94 5.03 1.76 28.13 0.89 15.88 95th Percentile 18.64 -11.60 18.45 -11.21 1.55 3.48 -4.39 16.70 -1.07 14.57 Population 258 259 276 270 285 289 278 272 263 258 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on quarterly periodicity. City of Clearwater Employees' Pension Plan 153 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY IFM Global Infrastructure (US) L.P.Net Cash Flow $0 $16,900,000 $33,800,000 $50,700,000 $67,600,000 $84,500,000 ($16,900,000)Market ValueAug-17 Feb-18 Aug-18 Feb-19 Aug-19 Feb-20 Aug-20 Feb-21 Aug-21 Feb-22 Aug-22 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date IFM Global Infrastructure (US) L.P.09/30/2017 Beginning Market Value $54,511,675 $52,426,102 $44,524,919 $43,301,120 $37,781,686 $30,000,000 Net Contributions ------ Net Investment Return $2,191,871 $4,277,444 $7,901,183 $1,223,798 $5,519,435 $26,703,546 Ending Market Value $56,703,546 $56,703,546 $52,426,102 $44,524,919 $43,301,120 $56,703,546 City of Clearwater - IFM Global Infrastructure (US) L.P. MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 154 TOTAL PORTFOLIO TRAILING PERFORMANCE IFM Global Infrastructure (US) L.P. MSCI World Index (Net) 0 15 30 -15 -30Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception IFM Global Infrastructure (US) L.P.4.02 8.16 9.41 12.14 12.68 MSCI World Index (Net)9.77 -18.14 4.94 6.14 7.26 TOTAL PORTFOLIO CALENDAR PERFORMANCE IFM Global Infrastructure (US) L.P. MSCI World Index (Net) 0 20 40 -20 -40Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception IFM Global Infrastructure (US) L.P.8.16 17.75 2.83 14.61 18.17 12.68 MSCI World Index (Net)-18.14 21.82 15.90 27.67 -8.71 7.26 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 155 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: September 1, 2017) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index IFM Global Infrastructure (US) L.P.MSCI World Index (Net) -5 0 5 10 15 20 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 Risk (Annualized Standard Deviation) IFM Global Infrastructure (US) L.P. MSCI World Index (Net) Down Quarters 1.00 5.00 Up Quarters 11.00 7.00 Positive Months Ratio 69.44 58.33 Worst Quarter -3.94 -21.05 Best Quarter 6.49 19.36 Standard Deviation 5.65 20.43 Max Drawdown Recovery Period 11.00 - Maximum Drawdown -3.94 -25.42 Beta 0.05 1.00 Alpha 9.19 0.00 R-Squared 0.03 1.00 Treynor Ratio 1.64 0.06 Tracking Error 20.16 0.00 Information Ratio 0.11 - IFM Global Infrastructure (US) L.P. MSCI World Index (Net) Down Quarters -- Up Quarters -- Positive Months Ratio 65.63 65.63 Worst Quarter -3.94 -21.05 Best Quarter 7.11 19.36 Standard Deviation 6.49 17.41 Max Drawdown Recovery Period 12.00 - Maximum Drawdown -3.94 -25.42 Beta 0.05 1.00 Alpha 12.46 0.00 R-Squared 0.02 1.00 Treynor Ratio 2.34 0.07 Tracking Error 17.80 0.00 Information Ratio 0.20 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 156 -28 -22 -16 -10 -4 2 8 14 20 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years IFM Global Infrastructure (US) L.P. 4.02 (100)8.16 (1)12.85 (1)9.41 (1)10.68 (1)12.14 (1)---„ MSCI World Index (Net)9.77 (38)-18.14 (100)-0.14 (100)4.94 (1)10.21 (1)6.14 (87)8.69 (30)8.52 (33)7.30 (40)˜ 5th Percentile 11.03 4.16 9.82 4.38 8.83 6.51 8.95 9.09 9.37 1st Quartile 11.02 0.74 9.73 4.27 8.74 6.48 8.87 8.99 9.30 Median 8.56 0.60 9.69 3.41 7.95 6.41 6.89 7.21 6.69 3rd Quartile 8.20 -0.31 9.66 3.35 7.90 6.25 6.85 7.17 6.66 95th Percentile 8.10 -0.39 8.72 2.75 6.63 5.13 6.34 6.41 6.49 Population 8 8 8 8 8 8 8 8 8 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 157 -20 -12 -4 4 12 20 28 36 44 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 IFM Global Infrastructure (US) L.P. 17.75 (89)2.83 (1)14.61 (100)18.17 (1)------„ MSCI World Index (Net)21.82 (1)15.90 (1)27.67 (1)-8.71 (100)22.40 (30)7.51 (93)-0.87 (100)4.94 (100)26.68 (41)15.83 (-)˜ 5th Percentile 20.82 -5.57 23.37 0.93 23.08 9.93 11.55 27.00 29.37 - 1st Quartile 20.75 -5.75 23.31 0.91 23.00 9.65 11.32 26.97 29.04 - Median 19.56 -8.15 22.87 0.00 11.46 9.16 6.26 23.45 23.86 - 3rd Quartile 19.54 -8.23 22.78 -3.12 8.80 9.14 3.17 19.89 23.82 - 95th Percentile 13.74 -8.36 19.12 -3.19 8.76 6.79 3.10 14.56 23.22 - Population 8 8 8 8 8 8 8 8 7 2 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 158 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Molpus Woodlands Fund III Net Cash Flow $0 $2,300,000 $4,600,000 $6,900,000 $9,200,000 $11,500,000 ($2,300,000)Market ValueMay-11 Feb-12 Nov-12 Aug-13 May-14 Feb-15 Nov-15 Aug-16 May-17 Feb-18 Nov-18 Aug-19 May-20 Feb-21 Nov-21 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Molpus Woodlands Fund III 06/30/2011 Beginning Market Value $6,390,711 $6,407,104 $7,035,870 $6,781,245 $7,170,185 $111,299 Net Contributions -$63,707 -$206,622 -$1,425,543 -$282,132 -$287,094 $2,780,229 Net Investment Return -$126,522 $796,777 $536,757 -$101,846 $3,435,476 Ending Market Value $6,327,004 $6,327,004 $6,407,104 $7,035,870 $6,781,245 $6,327,004 City of Clearwater - Molpus Woodlands Fund III MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 159 TOTAL PORTFOLIO TRAILING PERFORMANCE Molpus Woodlands Fund III NCREIF Timberland Index 0 4 8 12 16 Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Molpus Woodlands Fund III 0.00 1.98 7.74 4.66 4.31 NCREIF Timberland Index 4.89 12.90 7.51 5.37 5.74 TOTAL PORTFOLIO CALENDAR PERFORMANCE Molpus Woodlands Fund III NCREIF Timberland Index 0 6 12 18 -6 -12Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Molpus Woodlands Fund III 1.98 13.33 8.22 -1.48 1.93 4.31 NCREIF Timberland Index 12.90 9.17 0.81 1.30 3.21 5.74 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 160 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: July 1, 2011) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Molpus Woodlands Fund III NCREIF Timberland Index -12 -6 0 6 12 18 Annualized Return (%)-4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 Risk (Annualized Standard Deviation) Molpus Woodlands Fund III NCREIF Timberland Index Down Quarters -- Up Quarters 12.00 12.00 Positive Months Ratio -- Worst Quarter 0.00 0.04 Best Quarter 6.41 4.89 Standard Deviation 4.50 3.21 Max Drawdown Recovery Period -- Maximum Drawdown 0.00 0.00 Beta 0.19 1.00 Alpha 6.38 0.00 R-Squared 0.02 1.00 Treynor Ratio 0.36 0.07 Tracking Error 5.16 0.00 Information Ratio 0.05 - Molpus Woodlands Fund III NCREIF Timberland Index Down Quarters 9.00 3.00 Up Quarters 37.00 43.00 Positive Months Ratio -- Worst Quarter -3.17 -0.35 Best Quarter 7.86 6.02 Standard Deviation 4.29 3.17 Max Drawdown Recovery Period 5.00 1.00 Maximum Drawdown -3.17 -0.35 Beta 0.47 1.00 Alpha 1.70 0.00 R-Squared 0.12 1.00 Treynor Ratio 0.08 0.05 Tracking Error 4.35 0.00 Information Ratio -0.30 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 161 -44 -36 -28 -20 -12 -4 4 12 20 28 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Molpus Woodlands Fund III 0.00 (96)1.98 (1)7.50 (1)7.74 (1)5.36 (69)4.66 (21)3.74 (64)3.68 (76)3.72 (69)„ NCREIF Timberland Index 4.89 (12)12.90 (1)11.02 (1)7.51 (1)5.92 (58)5.37 (9)5.08 (21)4.72 (38)4.75 (28)˜ 5th Percentile 6.77 -16.79 4.83 2.22 8.41 5.75 6.05 6.02 5.91 1st Quartile 4.37 -25.12 3.29 0.78 7.12 4.48 4.81 5.09 4.92 Median 3.89 -26.21 2.23 -0.16 6.27 3.72 4.05 4.41 4.27 3rd Quartile 3.04 -27.75 1.08 -1.36 5.01 2.82 3.13 3.72 3.34 95th Percentile 1.47 -30.30 -5.11 -5.91 0.58 -1.32 -0.91 1.32 0.67 Population 258 255 246 243 241 233 223 221 213 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on quarterly periodicity. City of Clearwater Employees' Pension Plan 162 -25 -10 5 20 35 50 65 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Molpus Woodlands Fund III 13.33 (98)8.22 (6)-1.48 (100)1.93 (1)-0.75 (97)3.30 (96)4.03 (26)7.02 (100)15.16 (3)0.77 (100)„ NCREIF Timberland Index 9.17 (99)0.81 (9)1.30 (100)3.21 (1)3.63 (81)2.59 (99)4.97 (7)10.48 (100)9.69 (4)7.75 (100)˜ 5th Percentile 51.90 13.34 34.74 -2.96 14.14 12.28 5.24 32.10 6.62 27.19 1st Quartile 43.81 -2.89 30.16 -4.44 7.69 7.91 4.06 30.88 2.67 18.06 Median 41.35 -4.68 27.78 -5.75 5.38 6.10 2.95 29.75 1.76 16.88 3rd Quartile 39.09 -7.38 25.16 -7.41 3.94 5.03 1.76 28.13 0.89 15.88 95th Percentile 18.64 -11.60 18.45 -11.21 1.55 3.48 -4.39 16.70 -1.07 14.57 Population 258 259 276 270 285 289 278 272 263 258 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on quarterly periodicity. City of Clearwater Employees' Pension Plan 163 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Molpus Woodlands Fund IV Net Cash Flow $0 $1,400,000 $2,800,000 $4,200,000 $5,600,000 $7,000,000 ($1,400,000)Market ValueSep-15 Mar-16 Sep-16 Mar-17 Sep-17 Mar-18 Sep-18 Mar-19 Sep-19 Mar-20 Sep-20 Mar-21 Sep-21 Mar-22 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Molpus Woodlands Fund IV 10/01/2015 Beginning Market Value $4,531,684 $4,587,944 $3,936,912 $4,273,084 $4,416,456 $118,305 Net Contributions --$75,472 -$135,850 -$94,339 -$211,321 $3,701,226 Net Investment Return -$19,212 $786,882 -$241,833 $67,949 $712,153 Ending Market Value $4,531,684 $4,531,684 $4,587,944 $3,936,912 $4,273,084 $4,531,684 City of Clearwater - Molpus Woodlands Fund IV MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 164 TOTAL PORTFOLIO TRAILING PERFORMANCE Molpus Woodlands Fund IV NCREIF Timberland Index 0 4 8 12 16 Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Molpus Woodlands Fund IV 0.00 0.42 4.49 2.38 2.29 NCREIF Timberland Index 4.89 12.90 7.51 5.37 4.82 TOTAL PORTFOLIO CALENDAR PERFORMANCE Molpus Woodlands Fund IV NCREIF Timberland Index 0 10 20 30 -10 -20Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Molpus Woodlands Fund IV 0.42 20.57 -5.78 1.53 -2.88 2.29 NCREIF Timberland Index 12.90 9.17 0.81 1.30 3.21 4.82 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 165 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: October 1, 2015) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Molpus Woodlands Fund IV NCREIF Timberland Index -4 0 4 8 12 16 Annualized Return (%)-4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 Risk (Annualized Standard Deviation) Molpus Woodlands Fund IV NCREIF Timberland Index Down Quarters 4.00 - Up Quarters 8.00 12.00 Positive Months Ratio -- Worst Quarter -5.96 0.04 Best Quarter 19.91 4.89 Standard Deviation 11.74 3.21 Max Drawdown Recovery Period 5.00 - Maximum Drawdown -5.96 0.00 Beta 1.98 1.00 Alpha -9.20 0.00 R-Squared 0.29 1.00 Treynor Ratio 0.02 0.07 Tracking Error 10.36 0.00 Information Ratio -0.22 - Molpus Woodlands Fund IV NCREIF Timberland Index Down Quarters 11.00 2.00 Up Quarters 18.00 27.00 Positive Months Ratio -- Worst Quarter -5.96 -0.26 Best Quarter 19.91 4.89 Standard Deviation 7.90 2.47 Max Drawdown Recovery Period 14.00 2.00 Maximum Drawdown -7.27 -0.26 Beta 1.61 1.00 Alpha -5.02 0.00 R-Squared 0.25 1.00 Treynor Ratio 0.01 0.04 Tracking Error 6.99 0.00 Information Ratio -0.32 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 166 -44 -36 -28 -20 -12 -4 4 12 20 28 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Molpus Woodlands Fund IV 0.00 (96)0.42 (1)10.03 (1)4.49 (3)3.74 (88)2.38 (79)2.46 (83)2.58 (88)-„ NCREIF Timberland Index 4.89 (12)12.90 (1)11.02 (1)7.51 (1)5.92 (58)5.37 (9)5.08 (21)4.72 (38)4.75 (28)˜ 5th Percentile 6.77 -16.79 4.83 2.22 8.41 5.75 6.05 6.02 5.91 1st Quartile 4.37 -25.12 3.29 0.78 7.12 4.48 4.81 5.09 4.92 Median 3.89 -26.21 2.23 -0.16 6.27 3.72 4.05 4.41 4.27 3rd Quartile 3.04 -27.75 1.08 -1.36 5.01 2.82 3.13 3.72 3.34 95th Percentile 1.47 -30.30 -5.11 -5.91 0.58 -1.32 -0.91 1.32 0.67 Population 258 255 246 243 241 233 223 221 213 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on quarterly periodicity. City of Clearwater Employees' Pension Plan 167 -25 -10 5 20 35 50 65 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Molpus Woodlands Fund IV 20.57 (94)-5.78 (61)1.53 (100)-2.88 (5)2.83 (90)3.34 (96)----„ NCREIF Timberland Index 9.17 (99)0.81 (9)1.30 (100)3.21 (1)3.63 (81)2.59 (99)4.97 (7)10.48 (100)9.69 (4)7.75 (100)˜ 5th Percentile 51.90 13.34 34.74 -2.96 14.14 12.28 5.24 32.10 6.62 27.19 1st Quartile 43.81 -2.89 30.16 -4.44 7.69 7.91 4.06 30.88 2.67 18.06 Median 41.35 -4.68 27.78 -5.75 5.38 6.10 2.95 29.75 1.76 16.88 3rd Quartile 39.09 -7.38 25.16 -7.41 3.94 5.03 1.76 28.13 0.89 15.88 95th Percentile 18.64 -11.60 18.45 -11.21 1.55 3.48 -4.39 16.70 -1.07 14.57 Population 258 259 276 270 285 289 278 272 263 258 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on quarterly periodicity. City of Clearwater Employees' Pension Plan 168 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Multi Employer Property Trust Net Cash Flow $0 $20,900,000 $41,800,000 $62,700,000 $83,600,000 $104,500,000 ($20,900,000)Market ValueSep-10 Jun-11 Mar-12 Dec-12 Sep-13 Jun-14 Mar-15 Dec-15 Sep-16 Jun-17 Mar-18 Dec-18 Sep-19 Jun-20 Mar-21 Dec-21 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Multi Employer Property Trust 09/30/2010 Beginning Market Value $71,393,415 $62,200,202 $51,944,240 $51,690,725 $49,863,650 - Net Contributions ------ Net Investment Return -$4,335,471 $4,857,742 $10,255,962 $253,515 $1,827,075 - Ending Market Value $67,057,944 $67,057,944 $62,200,202 $51,944,240 $51,690,725 - City of Clearwater - Multi Employer Property Trust MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 169 TOTAL PORTFOLIO TRAILING PERFORMANCE Multi Employer Property Trust NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross 0 8 16 -8 -16Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Multi Employer Property Trust -6.07 7.81 9.06 7.60 8.96 NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross -4.97 7.47 9.93 8.68 10.86 TOTAL PORTFOLIO CALENDAR PERFORMANCE Multi Employer Property Trust NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross 0 8 16 24 32 Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Multi Employer Property Trust 7.81 19.74 0.49 3.66 7.23 8.96 NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross 7.47 22.17 1.19 5.34 8.35 10.86 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 170 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: October 1, 2010) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Multi Employer Property Trust NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross -5 0 5 10 15 Annualized Return (%)-4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 Risk (Annualized Standard Deviation) Multi Employer Property Trust NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross Down Quarters 2.00 2.00 Up Quarters 10.00 10.00 Positive Months Ratio 94.44 94.44 Worst Quarter -6.07 -4.97 Best Quarter 6.74 7.97 Standard Deviation 8.40 8.37 Max Drawdown Recovery Period -- Maximum Drawdown -6.07 -4.97 Beta 0.97 1.00 Alpha -0.54 0.00 R-Squared 0.94 1.00 Treynor Ratio 0.09 0.09 Tracking Error 2.03 0.00 Information Ratio -0.39 - Multi Employer Property Trust NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross Down Quarters 3.00 2.00 Up Quarters 46.00 47.00 Positive Months Ratio 97.96 98.64 Worst Quarter -6.07 -4.97 Best Quarter 6.74 7.97 Standard Deviation 5.45 5.86 Max Drawdown Recovery Period -- Maximum Drawdown -6.07 -4.97 Beta 0.87 1.00 Alpha -0.41 0.00 R-Squared 0.88 1.00 Treynor Ratio 0.09 0.10 Tracking Error 2.06 0.00 Information Ratio -0.85 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 171 -44 -36 -28 -20 -12 -4 4 12 20 28 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Multi Employer Property Trust -6.07 (100)7.81 (1)13.62 (1)9.06 (1)7.69 (15)7.60 (1)7.25 (2)7.36 (2)7.93 (1)„ NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross -4.97 (100)7.47 (1)14.58 (1)9.93 (1)8.76 (4)8.68 (1)8.50 (2)8.54 (2)9.33 (1)˜ 5th Percentile 6.77 -16.79 4.83 2.22 8.41 5.75 6.05 6.02 5.91 1st Quartile 4.37 -25.12 3.29 0.78 7.12 4.48 4.81 5.09 4.92 Median 3.89 -26.21 2.23 -0.16 6.27 3.72 4.05 4.41 4.27 3rd Quartile 3.04 -27.75 1.08 -1.36 5.01 2.82 3.13 3.72 3.34 95th Percentile 1.47 -30.30 -5.11 -5.91 0.58 -1.32 -0.91 1.32 0.67 Population 258 255 246 243 241 233 223 221 213 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 172 -25 -10 5 20 35 50 65 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Multi Employer Property Trust 19.74 (94)0.49 (10)3.66 (100)7.23 (1)5.53 (47)8.02 (22)12.00 (1)12.21 (99)11.83 (4)4.70 (100)„ NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross 22.17 (92)1.19 (8)5.34 (100)8.35 (1)7.62 (26)8.77 (16)15.02 (1)12.50 (98)13.94 (4)10.94 (99)˜ 5th Percentile 51.90 13.34 34.74 -2.96 14.14 12.28 5.24 32.10 6.62 27.19 1st Quartile 43.81 -2.89 30.16 -4.44 7.69 7.91 4.06 30.88 2.67 18.06 Median 41.35 -4.68 27.78 -5.75 5.38 6.10 2.95 29.75 1.76 16.88 3rd Quartile 39.09 -7.38 25.16 -7.41 3.94 5.03 1.76 28.13 0.89 15.88 95th Percentile 18.64 -11.60 18.45 -11.21 1.55 3.48 -4.39 16.70 -1.07 14.57 Population 258 259 276 270 285 289 278 272 263 258 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 173 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY Security Capital Net Cash Flow $0 $34,900,000 $69,800,000 $104,700,000 ($34,900,000) ($69,800,000) ($104,700,000)Market ValueApr-08 Apr-09 Apr-10 Apr-11 Apr-12 Apr-13 Apr-14 Apr-15 Apr-16 Apr-17 Apr-18 Apr-19 Apr-20 Apr-21 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date Security Capital 05/31/2008 Beginning Market Value $13,732,949 $19,515,706 $13,374,031 $13,900,512 $28,485,238 $19,346,573 Net Contributions $23,122 $105,711 $102,942 $102,529 -$19,911,637 -$81,333,357 Net Investment Return $472,234 -$5,393,112 $6,038,732 -$629,010 $5,326,911 $76,215,090 Ending Market Value $14,228,305 $14,228,305 $19,515,706 $13,374,031 $13,900,512 $14,228,305 City of Clearwater - Security Capital MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 174 TOTAL PORTFOLIO TRAILING PERFORMANCE Security Capital Wilshire U.S. Real Estate Securities Index 0 15 -15 -30 -45Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception Security Capital 3.44 -27.59 0.07 3.39 5.31 Wilshire U.S. Real Estate Securities Index 4.09 -26.75 -0.50 3.36 5.57 TOTAL PORTFOLIO CALENDAR PERFORMANCE Security Capital Wilshire U.S. Real Estate Securities Index 0 50 100 -50Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception Security Capital -27.59 45.03 -4.59 26.97 -7.16 5.31 Wilshire U.S. Real Estate Securities Index -26.75 46.11 -7.95 25.79 -4.80 5.57 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 175 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: May 1, 2008) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index Security Capital Wilshire U.S. Real Estate Securities Index -10 -5 0 5 10 15 Annualized Return (%)-6.0 -4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 26.0 28.0 30.0 Risk (Annualized Standard Deviation) Security Capital Wilshire U.S. Real Estate Securities Index Down Quarters 4.00 4.00 Up Quarters 8.00 8.00 Positive Months Ratio 58.33 58.33 Worst Quarter -21.73 -25.73 Best Quarter 16.50 17.15 Standard Deviation 21.47 22.98 Max Drawdown Recovery Period -- Maximum Drawdown -30.00 -29.63 Beta 0.93 1.00 Alpha 0.35 0.00 R-Squared 0.98 1.00 Treynor Ratio 0.02 0.02 Tracking Error 3.27 0.00 Information Ratio 0.05 - Security Capital Wilshire U.S. Real Estate Securities Index Down Quarters -- Up Quarters -- Positive Months Ratio 59.66 59.09 Worst Quarter -48.10 -49.72 Best Quarter 42.00 40.91 Standard Deviation 23.67 24.08 Max Drawdown Recovery Period 33.00 35.00 Maximum Drawdown -65.06 -64.51 Beta 0.98 1.00 Alpha -0.19 0.00 R-Squared 0.99 1.00 Treynor Ratio 0.08 0.08 Tracking Error 2.23 0.00 Information Ratio -0.17 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 176 -44 -36 -28 -20 -12 -4 4 12 20 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years Security Capital 3.44 (66)-27.59 (74)2.48 (43)0.07 (45)6.20 (53)3.39 (63)3.64 (68)3.93 (70)4.03 (64)„ Wilshire U.S. Real Estate Securities Index 4.09 (41)-26.75 (59)3.45 (21)-0.50 (62)5.51 (68)3.36 (63)3.61 (69)4.17 (64)4.25 (52)˜ 5th Percentile 6.77 -16.79 4.83 2.22 8.41 5.75 6.05 6.02 5.91 1st Quartile 4.37 -25.12 3.29 0.78 7.12 4.48 4.81 5.09 4.92 Median 3.89 -26.21 2.23 -0.16 6.27 3.72 4.05 4.41 4.27 3rd Quartile 3.04 -27.75 1.08 -1.36 5.01 2.82 3.13 3.72 3.34 95th Percentile 1.47 -30.30 -5.11 -5.91 0.58 -1.32 -0.91 1.32 0.67 Population 258 255 246 243 241 233 223 221 213 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 177 -25 -10 5 20 35 50 65 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Security Capital 45.03 (17)-4.59 (49)26.97 (58)-7.16 (73)4.91 (60)5.71 (59)4.70 (10)33.13 (3)1.60 (54)16.22 (69)„ Wilshire U.S. Real Estate Securities Index 46.11 (15)-7.95 (79)25.79 (69)-4.80 (34)4.84 (61)7.62 (29)4.81 (8)31.53 (14)2.15 (37)17.55 (33)˜ 5th Percentile 51.90 13.34 34.74 -2.96 14.14 12.28 5.24 32.10 6.62 27.19 1st Quartile 43.81 -2.89 30.16 -4.44 7.69 7.91 4.06 30.88 2.67 18.06 Median 41.35 -4.68 27.78 -5.75 5.38 6.10 2.95 29.75 1.76 16.88 3rd Quartile 39.09 -7.38 25.16 -7.41 3.94 5.03 1.76 28.13 0.89 15.88 95th Percentile 18.64 -11.60 18.45 -11.21 1.55 3.48 -4.39 16.70 -1.07 14.57 Population 258 259 276 270 285 289 278 272 263 258 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 178 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY U.S. Real Estate Investment Fund Net Cash Flow $0 $5,600,000 $11,200,000 $16,800,000 $22,400,000 $28,000,000 ($5,600,000)Market ValueDec-15 Jun-16 Dec-16 Jun-17 Dec-17 Jun-18 Dec-18 Jun-19 Dec-19 Jun-20 Dec-20 Jun-21 Dec-21 Jun-22 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date U.S. Real Estate Investment Fund 01/01/2016 Beginning Market Value $19,511,197 $17,020,352 $14,181,452 $14,049,962 $12,996,272 $5,708,283 Net Contributions -----$4,204,455 Net Investment Return -$1,233,615 $1,257,230 $2,838,900 $131,490 $1,053,690 $8,364,844 Ending Market Value $18,277,582 $18,277,582 $17,020,352 $14,181,452 $14,049,962 $18,277,582 City of Clearwater - U.S. Real Estate Investment Fund MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 179 TOTAL PORTFOLIO TRAILING PERFORMANCE U.S. Real Estate Investment Fund NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross 0 8 16 -8 -16Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception U.S. Real Estate Investment Fund -6.32 7.39 9.16 8.95 9.01 NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross -4.97 7.47 9.93 8.68 8.94 TOTAL PORTFOLIO CALENDAR PERFORMANCE U.S. Real Estate Investment Fund NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross 0 8 16 24 32 Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception U.S. Real Estate Investment Fund 7.39 20.02 0.94 8.11 9.16 9.01 NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross 7.47 22.17 1.19 5.34 8.35 8.94 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 180 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: December 1, 2015) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index U.S. Real Estate Investment Fund NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross -4 0 4 8 12 16 Annualized Return (%)-4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 Risk (Annualized Standard Deviation) U.S. Real Estate Investment Fund NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross Down Quarters 2.00 2.00 Up Quarters 10.00 10.00 Positive Months Ratio 94.44 94.44 Worst Quarter -6.32 -4.97 Best Quarter 7.07 7.97 Standard Deviation 8.19 8.37 Max Drawdown Recovery Period -- Maximum Drawdown -6.32 -4.97 Beta 0.94 1.00 Alpha -0.09 0.00 R-Squared 0.92 1.00 Treynor Ratio 0.09 0.09 Tracking Error 2.40 0.00 Information Ratio -0.30 - U.S. Real Estate Investment Fund NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross Down Quarters -- Up Quarters -- Positive Months Ratio 97.65 97.65 Worst Quarter -6.32 -4.97 Best Quarter 7.07 7.97 Standard Deviation 6.14 6.01 Max Drawdown Recovery Period -- Maximum Drawdown -6.32 -4.97 Beta 0.94 1.00 Alpha 0.62 0.00 R-Squared 0.84 1.00 Treynor Ratio 0.08 0.08 Tracking Error 2.48 0.00 Information Ratio 0.03 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 181 -44 -36 -28 -20 -12 -4 4 12 20 28 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years U.S. Real Estate Investment Fund -6.32 (100)7.39 (1)13.53 (1)9.16 (1)8.90 (3)8.95 (1)8.85 (2)9.12 (1)-„ NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross -4.97 (100)7.47 (1)14.58 (1)9.93 (1)8.76 (4)8.68 (1)8.50 (2)8.54 (2)9.33 (1)˜ 5th Percentile 6.77 -16.79 4.83 2.22 8.41 5.75 6.05 6.02 5.91 1st Quartile 4.37 -25.12 3.29 0.78 7.12 4.48 4.81 5.09 4.92 Median 3.89 -26.21 2.23 -0.16 6.27 3.72 4.05 4.41 4.27 3rd Quartile 3.04 -27.75 1.08 -1.36 5.01 2.82 3.13 3.72 3.34 95th Percentile 1.47 -30.30 -5.11 -5.91 0.58 -1.32 -0.91 1.32 0.67 Population 258 255 246 243 241 233 223 221 213 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 182 -25 -10 5 20 35 50 65 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 U.S. Real Estate Investment Fund 20.02 (94)0.94 (9)8.11 (100)9.16 (1)8.36 (20)10.72 (7)----„ NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross 22.17 (92)1.19 (8)5.34 (100)8.35 (1)7.62 (26)8.77 (16)15.02 (1)12.50 (98)13.94 (4)10.94 (99)˜ 5th Percentile 51.90 13.34 34.74 -2.96 14.14 12.28 5.24 32.10 6.62 27.19 1st Quartile 43.81 -2.89 30.16 -4.44 7.69 7.91 4.06 30.88 2.67 18.06 Median 41.35 -4.68 27.78 -5.75 5.38 6.10 2.95 29.75 1.76 16.88 3rd Quartile 39.09 -7.38 25.16 -7.41 3.94 5.03 1.76 28.13 0.89 15.88 95th Percentile 18.64 -11.60 18.45 -11.21 1.55 3.48 -4.39 16.70 -1.07 14.57 Population 258 259 276 270 285 289 278 272 263 258 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 183 The summary has been compiled using data from sources believed to be reliable but is not guaranteed to be accurate or complete. Please refer to the official custodial account statement for verification. For Institutional Use Only. MARKET VALUES & CASH FLOW SUMMARY USAA Net Cash Flow $0 $7,300,000 $14,600,000 $21,900,000 $29,200,000 $36,500,000 ($7,300,000)Market ValueMay-15 Nov-15 May-16 Nov-16 May-17 Nov-17 May-18 Nov-18 May-19 Nov-19 May-20 Nov-20 May-21 Nov-21 May-22 Dec-22 Last Quarter 2022 YTD 2021 2020 2019 Since Inception Inception Date USAA 06/30/2015 Beginning Market Value $24,705,442 $14,445,757 $12,818,243 $12,010,044 $11,757,490 $5,000,000 Net Contributions - $8,000,000 -$640,253 -$646,058 -$590,518 $9,461,438 Net Investment Return $837,880 $3,097,565 $2,267,766 $1,454,257 $843,072 $11,081,884 Ending Market Value $25,543,322 $25,543,322 $14,445,757 $12,818,243 $12,010,044 $25,543,322 City of Clearwater - USAA MARKET VALUES & CASH FLOW SUMMARY Period Ending 12.31.22 |Q4 22 184 TOTAL PORTFOLIO TRAILING PERFORMANCE USAA NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross 0 8 16 24 -8 -16Rates Of Return (%)Last Quarter 1 Year 3 Years 5 Years Inception USAA 3.39 13.80 14.40 11.05 10.70 NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross -4.97 7.47 9.93 8.68 9.38 TOTAL PORTFOLIO CALENDAR PERFORMANCE USAA NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross 0 8 16 24 32 Rates Of Return (%)CYTD 2021 2020 2019 2018 Inception USAA 13.80 18.42 11.12 5.78 6.65 10.70 NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross 7.47 22.17 1.19 5.34 8.35 9.38 City of Clearwater INVESTMENT RETURNS | TOTAL PORTFOLIO Period Ending 12.31.22 |Q4 22 Performance returns over one-year are annualized. For important details regarding benchmarks, please refer the slides entitled "Total Fund Policy Benchmark Summary" in this presentation. 185 INCEPTION3 YEAR Composite Risk VS. Total Return (since inception: June 1, 2015) Cash - 90 Day U.S. Treasury Bill Fixed Income - Blmbg. U.S. Aggregate Index U.S. Equities - Russell 3000 Index International Equities - MSCI AC World ex USA index Real Estate - Wilshire U.S. REIT Index Commodities - Bloomberg Commodity Index Total Return Strategic Opportunities - HFRX Absolute Return Index USAA NCRIEF Fund Index-Open End Diversified Core Equity (VW) -4 0 4 8 12 16 Annualized Return (%)-4.0 -2.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 Risk (Annualized Standard Deviation) USAA NCRIEF Fund Index-Open End Diversified Core Equity (VW) Down Quarters 1.00 2.00 Up Quarters 11.00 10.00 Positive Months Ratio 97.22 94.44 Worst Quarter -0.15 -5.17 Best Quarter 11.30 7.66 Standard Deviation 8.10 8.17 Max Drawdown Recovery Period 4.00 - Maximum Drawdown -0.15 -5.17 Beta 0.56 1.00 Alpha 9.16 0.00 R-Squared 0.32 1.00 Treynor Ratio 0.23 0.08 Tracking Error 7.55 0.00 Information Ratio 0.65 - USAA NCRIEF Fund Index-Open End Diversified Core Equity (VW) Down Quarters -- Up Quarters -- Positive Months Ratio 96.70 97.80 Worst Quarter -0.15 -5.17 Best Quarter 11.30 7.66 Standard Deviation 6.23 5.79 Max Drawdown Recovery Period 2.00 - Maximum Drawdown -0.21 -5.17 Beta 0.62 1.00 Alpha 5.37 0.00 R-Squared 0.34 1.00 Treynor Ratio 0.15 0.07 Tracking Error 5.52 0.00 Information Ratio 0.39 - City of Clearwater PORTFOLIO STATISTICAL SUMMARY Period Ending 12.31.22 |Q4 22 For Institutional Use Only. 186 -40 -30 -20 -10 0 10 20 30 ReturnLast Qtr Last 1 Year Last 2 Years Last 3 Years Last 4 Years Last 5 Years Last 6 Years Last 7 Years Last 8 Years USAA 3.39 (66)13.80 (1)16.08 (1)14.40 (1)12.18 (2)11.05 (1)10.76 (1)10.98 (1)-„ NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross -4.97 (100)7.47 (1)14.58 (1)9.93 (1)8.76 (4)8.68 (1)8.50 (2)8.54 (2)9.33 (1)˜ 5th Percentile 6.77 -16.79 4.83 2.22 8.41 5.75 6.05 6.02 5.91 1st Quartile 4.37 -25.12 3.29 0.78 7.12 4.48 4.81 5.09 4.92 Median 3.89 -26.21 2.23 -0.16 6.27 3.72 4.05 4.41 4.27 3rd Quartile 3.04 -27.75 1.08 -1.36 5.01 2.82 3.13 3.72 3.34 95th Percentile 1.47 -30.30 -5.11 -5.91 0.58 -1.32 -0.91 1.32 0.67 Population 258 255 246 243 241 233 223 221 213 PEER GROUP ANALYSIS - ANNUALIZED Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 187 -25 -10 5 20 35 50 65 Return2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 USAA 18.42 (96)11.12 (6)5.78 (100)6.65 (1)9.30 (12)12.34 (5)----„ NCRIEF Fund Index-Open End Diversified Core Equity (VW) Gross 22.17 (92)1.19 (8)5.34 (100)8.35 (1)7.62 (26)8.77 (16)15.02 (1)12.50 (98)13.94 (4)10.94 (99)˜ 5th Percentile 51.90 13.34 34.74 -2.96 14.14 12.28 5.24 32.10 6.62 27.19 1st Quartile 43.81 -2.89 30.16 -4.44 7.69 7.91 4.06 30.88 2.67 18.06 Median 41.35 -4.68 27.78 -5.75 5.38 6.10 2.95 29.75 1.76 16.88 3rd Quartile 39.09 -7.38 25.16 -7.41 3.94 5.03 1.76 28.13 0.89 15.88 95th Percentile 18.64 -11.60 18.45 -11.21 1.55 3.48 -4.39 16.70 -1.07 14.57 Population 258 259 276 270 285 289 278 272 263 258 PEER GROUP ANALYSIS - CALENDAR Period Ending 12.31.22 |Q4 22 Parentheses contain percentile rankings. Calculation based on monthly periodicity. City of Clearwater Employees' Pension Plan 188 City Of Clearwater Employees' Pension Plan Q4 22Period Ending 12.31.22 |appendix 189 Q4 22Period Ending 12.31.22 | ALPHA Alpha measures a manager’s rate of return in excess of that which can be explained by its systematic risk, or Beta. It is a result of regressing a manager’s returns against those of a benchmark index. A positive alpha implies that a manager has added value relative to its benchmark on a risk-adjusted basis. BATTING AVERAGE Batting Average, an indicator of consistency, measures the percentage of time an active manager outperformed the benchmark. BETA Beta measures a manager’s sensitivity to systematic, or market risk. Beta is a result of the analysis regressing a manager’s returns against those of a benchmark Index. A manager with a Beta of 1 should move perfectly with a benchmark. A Beta of less than 1 implies that a manager’s returns are less volatile than the market’s (i.e., selected benchmarks). A Beta of greater than 1 implies that a manager exhibits greater volatility than the market (i.e., selected benchmark). CAPTURE RATIO Up Market Capture is the average return of a manager relative to a benchmark index using only periods where the benchmark return was positive. Down Market Capture is the average return of a manager relative to a benchmark index using only periods where the benchmark return was negative. An Up Market Capture of greater than 100% and a Down Market Capture of less than 100% is considered desirable. INFORMATION RATIO The Information Ratio measures a manager’s excess return over the passive index divided by the volatility of that excess return, or Tracking Error. To obtain a higher Information Ratio, which is preferable, a manager must demonstrate the ability to generate returns above its benchmark while avoiding large performance swings relative to that same benchmark. PERCENTILE RANK Percentile Rankings are based on a manager’s performance relative to all other available funds in its universe. Percentiles range from 1, being the best, to 100 being the worst. A ranking in the 50th percentile or above demonstrates that the manager has performed better on a relative basis than at least 50% of its peers. RISK-ADJUSTED PERFORMANCE Risk-adjusted Performance, or RAP, measures the level of return that an investment option would generate given a level of risk equivalent to the benchmark index. R-SQUARED R-squared measures the portion of a manager’s movements that are explained by movements in a benchmark index. R-squared values range from 0 to 100. An R-squared of 100 means that all movements of a manager are completely explained by movements in the index. This measurement is identified as the coefficient of determination from a regression equation.A high R-squared value supports the validity of the Alpha and Beta measures, and it can be used as a measure of style consistency. SHARPE RATIO Sharpe ratio measures a manager’s return per unit of risk, or standard deviation. It is the ratio of a manager’s excess return above the risk-free rate divided by a manager’s standard deviation. A higher sharpe ratio implies greater manager efficiency. glossary STANDARD DEVIATION Standard Deviation is a measure of the extent to which observations in a series vary from the arithmetic mean of the series. This measure of volatility or risk allows the estimation of a range of values for a manager’s returns. The wider the range, the more uncertainty, and, therefore, the riskier a manager is assumed to be. TRACKING ERROR Tracking Error is the standard deviation of the portfolio’s residual (i.e.excess) returns. The lower the tracking error, the closer the portfolio returns have been to its risk index. Aggressively managed portfolios would be expected to have higher tracking errors than portfolios with a more conservative investment style. TREYNOR RATIO The Treynor Ratio is a measure of reward per unit of risk. With Treynor, the numerator (i.e.reward) is defined as the annualized excess return of the portfolio versus the risk-free rate. The denominator (i.e.risk) is defined as the portfolio beta. The result is a measure of excess return per unit of portfolio systematic risk. As with Sharpe and Sortino, the Treynor Ratio only has value when it is used as the basis of comparison between portfolios. The higher the Treynor Ratio, the better. 190 City Of Clearwater Employees' Pension Plan Q4 22Period Ending 12.31.22 |investment review | evaluation methodology QUANTITATIVE EVALUATION ITEMS QUALITATIVE EVALUATION ITEMS 3/5 Year Risk-adjusted Performance Fund Management MARKED FOR REVIEW The investment option’s 3 or 5 Year Annualized Risk Adjusted Performance falls below the 50th percentile of the peer group. A significant disruption to the investment option’s management team has been discovered. The following categories of the Investment Policy Monitor appear “Marked For Review” when: Fund Family 3/5 Year Performance vs. Peers A significant disruption to the investment option’s parent company has been discovered.The investment option’s 3 or 5 Year Annualized Peer Relative Performance falls below the 50th percentile of the peer group. Portfolio Construction 3/5 Year Style The investment option’s combined Portfolio Construction score is 6 or below out of a possible 15 points.The investment option’s 3 or 5 Year R-Squared measure falls below the absolute threshold set per asset class. Underlying Investment Vehicles 3/5 Year Confidence The investment option’s 3 or 5 Year Confidence Rating falls below the 50th percentile of the peer group. The investment option’s combined Underlying Investment Vehicles score is 6 or below out of a possible 15 points. Glidepath Assessment % of Equity Exposure: The combined percentage of an investment option’s equity exposure ranks in the top 20th percentile or bottom 20th percentile of the peer group. Regression to the Benchmark: The investment option’s sensitivity to market risk -as measured by beta relative to a Global Equity Index -is above 0.89. CAPTRUST’s Investment Policy Monitoring Methodology The Investment Policy Monitoring Methodology document describes the systems and procedures CAPTRUST uses to monitor and evaluate the investment vehicles in your plan/account on a quarterly basis. Our current Investment Policy Monitoring Methodology document can be accessed through the following link: captrust.com/investmentmonitoring 191