INVESTMENT OBJECTIVE

with a secondary goal of current income.

This table describes the fees and expenses that you may pay if you buy and hold

Institutional Class Shares of the Fund.

Annual Fund Operating Expenses		Frost Natural Resources Fund Institutional Class Shares
Management Fees		0.80%
Other Expenses	^[1]	1.22%
Acquired Fund Fees and Expenses	^[2]	0.15%
Total Annual Fund Operating Expenses		2.17%

[1]	Other Expenses are based on estimated amounts for the current fiscal year.
[2]	Acquired Fund Fees and Expenses are based on estimated amounts for the current fiscal year.

This Example is intended to help you compare the cost of investing in the Fund

with the cost of investing in other mutual funds.



The Example assumes that you invest $10,000 in the Fund for the time periods

indicated and then redeem all of your shares at the end of those periods. The

Example also assumes that your investment has a 5% return each year, and that

the Fund's operating expenses remain the same.

Expense Example (USD $)	Expense Example, With Redemption, 1 Year	Expense Example, With Redemption, 3 Years
Frost Natural Resources Fund Institutional Class Shares	220	679

The Fund pays transaction costs, such as commissions, when it buys and sells

securities (or "turns over" its portfolio). A higher portfolio turnover rate

may indicate higher transaction costs and may result in higher taxes when Fund

shares are held in a taxable account. These costs, which are not reflected in

total annual fund operating expenses or in the example, affect the Fund's

performance.

In seeking to achieve its objectives, the Fund, under normal circumstances,

invests at least 80% of its net assets (plus any borrowings for investment

purposes) in securities of companies in natural resources industries.

Companies in natural resources industries include: (i) companies that Frost

Investment Advisors, LLC (the "Adviser"), the Fund's adviser, considers to be

engaged, either directly or indirectly, in the exploration, discovery,

development, production, marketing or distribution of natural resources; the

development of proprietary technologies for the production or efficient

utilization of natural resources; or the provision of related supplies or

services; and (ii) to the extent not included in the foregoing, those

industries that comprise the S&P North American Natural Resources Index. Within

natural resources industries, the Adviser anticipates that the Fund will

generally invest a significant portion of its assets in the energy sector.

Examples of natural resources include:



         o  ENERGY -- such as companies engaged in the exploration and

            production of energy sources, as well as companies involved

            with energy equipment and services, drillers, refiners,

            storage transportation, utilities, coal.



         o  ALTERNATIVE ENERGY -- such as solar, nuclear, wind and fuel

            cell companies.





         o  INDUSTRIAL PRODUCTS -- such as chemical, building material,

            cement, aggregate, associated machinery and transport

            companies.



         o  FOREST PRODUCTS -- such as timber and paper companies.



         o  BASE METALS -- such as companies engaged in the exploration,

            mining, processing, fabrication, marketing or distribution of

            copper, iron ore, nickel, steel, aluminum, rare earth minerals

            and molybdenum.



         o  SPECIALTY METALS -- such as companies engaged in the

            exploration, mining, processing, fabrication, marketing or

            distribution of titanium-based alloys and zirconium.



         o  PRECIOUS METALS -- such as companies engaged in the

            exploration, mining, processing, fabrication, marketing or

            distribution of gold, silver, diamonds and platinum.



         o  AGRICULTURAL PRODUCTS -- such as companies engaged in

            producing, processing and distributing seeds, fertilizers and

            water.



The Fund generally invests in equity securities of domestic and foreign,

including emerging market, natural resources companies. The equity securities

in which the Fund may invest include common stocks, preferred stocks, American

Depositary Receipts ("ADRs"), Global Depositary Receipts ("GDRs"), convertible

securities, warrants and rights, and master limited partnerships ("MLPs"). In

addition, the Fund may also invest in exchange-traded funds, exchange-traded

notes and other exchange-traded products to gain exposure to certain segments

of the natural resources market. The Fund may invest in securities of issuers

with any market capitalization.



The Adviser combines fundamental analysis and quantitative screening to select

securities for the Fund's portfolio. In particular, the Adviser focuses on

companies with desirable growth and value attributes. These attributes will

include but not be exclusive to the following: attractive debt adjusted

production growth per share; prospects for above average growth in earnings or

cash flow per share; an ability to generate high returns on invested capital

throughout an investment cycle; asset quality greater than peers; efficient

capital allocation; management strength; favorable relative price/earnings,

price/book and price/cash flow ratios; and trading at a discount to intrinsic

value. In addition, the Adviser considers the availability of specific natural

resources and the relative value of those resources given changing

supply/demand dynamics in the market.  The Adviser may sell a security when the

security reaches a specified value or the Adviser's original investment

rationale is no longer considered valid.

As with all mutual funds, a shareholder is subject to the risk that his or her

investment could lose money. A Fund share is not a bank deposit and it is not

insured or guaranteed by the FDIC or any government agency. The principal risk

factors affecting shareholders' investments in the Fund are set forth below.



EQUITY RISK -- The Fund is subject to the risk that stock prices will fall over

short or extended periods of time. Historically, the equity markets have moved

in cycles, and the value of the Fund's equity securities may fluctuate

drastically from day to day. Individual companies may report poor results or be

negatively affected by industry and/or economic trends and developments. The

prices of securities issued by such companies may suffer a decline in response.

These factors contribute to price volatility, which is the principal risk of

investing in the Fund.



CONCENTRATION RISK -- Due to the Fund's concentration in securities of

companies in the natural resources industries, events that affect the natural

resources industries will have a greater effect on the Fund than they would on

a fund that is more widely diversified among a number of unrelated industries.

Such factors include warehousing and delivery constraints, changes in supply

and demand dynamics, a potential lack of fungibility, weather, monetary and

currency exchange processes, domestic and foreign political and economic events

and policies, disease, technological developments, and changes in interest

rates.  In addition, certain natural resources sub-sectors are subject to

greater governmental regulation than are other industries; therefore, changes

in tax and other government regulations may be more likely to adversely affect

the Fund.



INVESTMENTS IN INVESTMENT COMPANIES AND OTHER POOLED VEHICLES -- To the extent

the Fund invests in other investment companies, such as exchange-traded funds

("ETFs"), closed-end funds and other mutual funds, the Fund will be subject to

substantially the same risks as those associated with the direct ownership of

the securities held by such other investment companies. Such risks are

described below. As a shareholder of another investment company, the Fund

relies on that investment company to achieve its investment objective. If the

investment company fails to achieve its objective, the value of the Fund's

investment could decline, which could adversely affect the Fund's performance.

By investing in another investment company, Fund shareholders indirectly bear

the Fund's proportionate share of the fees and expenses of the other investment

company, in addition to the fees and expenses that Fund shareholders directly

bear in connection with the Fund's own operations. The Fund does not intend to

invest in other investment companies unless the Adviser believes that the

potential benefits of the investment justify the payment of any additional fees

or expenses. Federal securities laws impose limitations on the Fund's ability

to invest in other investment companies.



Because closed-end funds and ETFs are listed on national stock exchanges and

are traded like stocks listed on an exchange, their shares potentially may

trade at a discount or premium. Investments in closed-end funds and ETFs are

also subject to brokerage and other trading costs, which could result in

greater expenses to the Fund. In addition, because the value of closed-end

funds and ETF shares depends on the demand in the market, the Adviser may not

be able to liquidate the Fund's holdings at the most optimal time, which could

adversely affect Fund performance.



INVESTMENTS IN ETNS -- An exchange-traded note ("ETN") is a debt security of an

issuer that is listed and traded on U.S. stock exchanges or otherwise traded in

the over-the-counter market. Similar to other debt securities, ETNs tend to

have a maturity date and are backed only by the credit of the issuer. ETNs are

designed to provide investors access to the returns of various market benchmarks,

such as a securities index, currency or investment strategy, less fees and

expenses. The value of an ETN may be influenced by time to maturity, level of

supply and demand for the ETN, volatility and lack of liquidity in the

underlying market, changes in the applicable interest rates, and changes in the

issuer's credit rating and economic, legal, political or geographic events that

affect the referenced market. It is expected that the issuer's credit rating will

be investment grade at the time of investment, however, the credit rating may be

revised or withdrawn at any time and there is no assurance that a credit rating

will remain in effect for any given time period. If a rating agency lowers the

issuer's credit rating, the value of the ETN will decline and a lower credit

rating reflects a greater risk that the issuer will default on its obligation.

When the Fund invests in ETNs, it will bear its proportionate share of any fees

and expenses associated with investment in such securities. Such fees reduce

the amount of return on investment at maturity or upon redemption. There may

be restrictions on the Fund's right to redeem its investment in an ETN, which

are meant to be held until maturity. There are no periodic interest payments

for ETNs, and principal is not protected. As is the case with ETFs, an investor

could lose some of or the entire amount invested in ETNs. The Fund's decision

to sell its ETN holdings may be limited by the availability of a secondary market.



FOREIGN COMPANY RISK -- Investing in foreign companies, whether through

investments made in foreign markets or made through the purchase of American

Depository Receipts ("ADRs"), which are traded on U.S. exchanges and represent

an ownership in a foreign security, poses additional risks since political and

economic events unique to a country or region will affect those markets and

their issuers. These risks will not necessarily affect the U.S. economy or

similar issuers located in the United States.  In addition, investments in

foreign companies are generally denominated in a foreign currency. As a result,

changes in the value of those currencies compared to the U.S. dollar may affect

(positively or negatively) the value of the Fund's investments. These currency

movements may occur separately from, and in response to, events that do not

otherwise affect the value of the security in the issuer's home country. While

ADRs provide an alternative to directly purchasing the underlying foreign

securities in their respective national markets and currencies, investments in

ADRs continue to be subject to many of the risks associated with investing

directly in foreign securities.



EMERGING MARKET SECURITIES RISK -- Investments in emerging markets securities

are considered speculative and subject to heightened risks in addition to the

general risks of investing in non-U.S. securities. Unlike more established

markets, emerging markets may have governments that are less stable, markets

that are less liquid and economies that are less developed.  In addition,

emerging markets securities may be subject to smaller market capitalization of

securities markets, which may suffer periods of relative illiquidity;

significant price volatility; restrictions on foreign investment; and possible

restrictions on repatriation of investment income and capital. Furthermore,

foreign investors may be required to register the proceeds of sales, and future

economic or political crises could lead to price controls, forced mergers,

expropriation or confiscatory taxation, seizure, nationalization or creation of

government monopolies.



FOREIGN CURRENCY RISK -- Because non-U.S. securities are usually denominated in

currencies other than the dollar, the value of the Fund's portfolio may be

influenced by currency exchange rates and exchange control regulations. The

currencies of emerging market countries may experience significant declines

against the U.S. dollar, and devaluation may occur subsequent to investments in

these currencies by the Fund. Inflation and rapid fluctuations in inflation

rates have had, and may continue to have, negative effects on the economies and

securities markets of certain emerging market countries.



SMALL- AND MID-CAPITALIZATION COMPANY RISK -- Small- and mid-capitalization

companies may be more vulnerable to adverse business or economic events than

larger, more established companies.  In particular, these small- and mid-sized

companies may pose additional risks, including liquidity risk, because these

companies tend to have limited product lines, markets and financial resources,

and may depend upon a relatively small management group. Therefore, small- and

mid-cap stocks may be more volatile than those of larger companies. These

securities may be traded over-the-counter or listed on an exchange.



MLP RISK -- MLPs are limited partnerships in which the ownership units are

publicly traded. MLP units are registered with the U.S. Securities and Exchange

Commission (the "SEC") and are freely traded on a securities exchange or in the

over-the-counter market. MLPs often own several properties or businesses (or

own interests) that are related to oil and gas industries or other natural

resources, but they also may finance other projects. To the extent that an

MLP's interests are all in a particular industry, the MLP will be negatively

impacted by economic events adversely impacting that industry. The risks of

investing in a MLP are generally those involved in investing in a partnership

as opposed to a corporation. For example, state law governing partnerships is

often less restrictive than state law governing corporations. Accordingly,

there may be fewer protections afforded to investors in a MLP than investors in

a corporation; for example, investors in MLPs may have limited voting rights or

be liable under certain circumstances for amounts greater than the amount of

their investment. In addition, MLPs may be subject to state taxation in certain

jurisdictions which will have the effect of reducing the amount of income paid

by the MLP to its investors.



COMMODITY RISK -- Exposure to the commodities markets, through a company or an

ETF, may subject the Fund to greater volatility than investments in traditional

securities. Commodities are subject to substantial price fluctuations over

short periods of time and may be affected by unpredictable economic, political

and environmental events.

The Fund commenced operations on September 27, 2011 and therefore does not have

performance history for a full calendar year. Once the Fund has completed a

full calendar year of operations, a bar chart and table will be included that

will provide some indication of the risks of investing in the Fund by showing

the variability of the Fund's return based on net assets and comparing the

Fund's performance to a broad measure of market performance.