The JULY Retirement Platform A retirement platform for employers seeking a modern retirement plan

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1 The JULY Retirement Platform is a comprehensive program for employers seeking a modern retirement plan to help employees build retirement security and lower administrative complexity. We offer an open investment menu, efficient technology, flexible service options, and competitive fees. Our retirement platform gives us the freedom to design the right plan for your company. Open Investment Platform Fiduciary Protection Bundled or Unbundled TPA JULY econnect Technology Participant Education Straightforward, Competitive Fees Clients choose JULY because of our proven expertise, trusted national brand, open retirement platform, and our commitment to excellence. Clients stay with us because they experience efficient, friendly service and a depth of knowledge that comes from years of expert service in the industry. About JULY JULY is a privately owned company with 160 employees and a national client base. We specialize in helping clients design and operate custom retirement plans. o Clients in all 50 States o Founded in 1994 o Privately Owned o 2,900 Clients o 92,000 Participants o $2.6 Billion in Assets o 160 Employees o CEFEX Certified o SSAE 16 Audited 1

2 Open Investment Platform Through our four nationally-known custodial partners, you gain access to an open, non-proprietary investment menu giving you the freedom to create a high-quality, low-cost investment menu. Over 10,000 Options Mutual Funds Exchange Traded Funds (ETFs) Stable Value Options Low Cost Institutional Shares Target Date Funds Privately Managed Accounts Asset Allocation Portfolios QDIA Options Brokerage Window Sample Investment Managers Below are samples of investment managers represented on the JULY Platform. 2

3 Fiduciary Protection 1 We make available several great options for helping you fulfill fiduciary responsibilities and lowering associated risks. You can choose the option best suited to your company. Investment Fiduciary Protection 1 Provided through Mesirow Financial Mesirow Financial helps you build and maintain your Investment menu Mesirow Financial serves as 3(21) or 3(38) investment fiduciary Fully Outsourced Fiduciary Provided through Roland Criss Roland Criss will implement a fiduciary oversight process Roland Criss will serve as a 3(16) fiduciary Unbundled or Bundled TPA You can elect to use your local TPA to provide plan compliance and administration services or you can choose to have the JULY team provide bundled TPA services. o Contribution Calculations o Vesting Calculations o Compliance Testing o Form 5500 / Tax Compliance o Forfeiture Calculations o Monitoring Plan Limits o Eligibility Calculations o Plan Documents and Amendments Regardless of the option you choose, you will receive the services needed to handle the administration and compliance for the plan. We offer Investment Fiduciary Protection 1 through Mesirow Financial, a leader in helping plans select and maintain their investment menus. For additional protection, you can choose to hire Roland Criss as a fully-outsourced, 3(16) Plan Administrator. Roland Criss will sign plan documents and tax filings and implement a proven plan governance process. 1 The specific legal protection offered by Mesirow Financial is governed by the agreement between Mesirow Financial and the Plan Sponsor. Nothing herein is intended to modify such agreement. 3

4 JULY econnect Technology You and your employees will have up-to-date account access via our easy-to-manage, easyto-access systems we call JULY econnect. Daily Account Valuations Account balances are updated daily via connectivity with your custodian. Plan Website Plan Website You and your employees have access to a feature rich plan website to access and manage the plan. Smartphone Access Employees can view and manage their account via our smartphone App. Quarterly estatements Online Statements Participants receive statements that are posted to the website each quarter. Online Reports We provide access to on demand reports, including participant statements, a quarterly plan report, and other helpful reports. Mobile Access 4

5 Participant Education JULY provides the information, education, and tools needed to assist employees in achieving retirement goals. Information - Participants receive the information needed to make informed decisions. o Toll-Free Participant Support o International Language Line o Quarterly Statements o Required Notices Enrollment Materials Fund Fact Sheets Newsletters Employee Notices Education Employees receive informative materials during enrollment and online to help them plan and achieve their retirement goals. o Enrollment Kits o Newsletters o Fund Fact Sheets o Prospectuses o Spanish Materials Tools We provide planning tools to help participants plan and stay the course. o 24 Hour Web Access o Auto-Rebalance Transactions o Retirement Calculators o Spanish Web Other Great Features We offer other great features to improve the efficiency of your plan, lower costs, and reduce workload. ERISA CARE PAYROLL+ Automatic Rollovers An optional service providing unlimited access to our ERISA Consulting Experts to help with unbudgeted, unexpected costs related to specialized plan needs. A comprehensive, integrated payroll service designed to streamline payroll processing, reduce your workload, and make plan operation more efficient. Our platform is integrated with Retirement Clearinghouse, an automatic rollover solution to help manage terminated and lost participants. 5

6 Straightforward, Competitive Fees When you choose the JULY Platform, you can be assured there are no hidden charges or hard-tounderstand contract fees. Our proposals and fee disclosure reports were designed to make it easy for you to understand plan fees and fulfill your fiduciary duty of ensuring fees are reasonable. Flexible Payment Options We offer flexible payment options for plan expenses, including Pay from Plan, Pay via ACH, and Pay via Check Revenue Sharing Credits We provide credit for revenue sharing we receive from investment managers to offset plan costs Platform Options To support our client and investment advisors unique approach to business and retirement planning, we present a series of platform options to meet your needs. You and your advisor can choose the option that best meets your needs. SERVICE OPTION PLATFORM SERIES Liberty Liberty+ Freedom Freedom+ CORE PROVIDERS Recordkeeping JULY JULY JULY JULY TPA Services JULY JULY Local TPA Local TPA Investment Fiduciary Advisor or Outside Fiduciary Mesirow Financial OPTIONAL SERVICES Advisor or Outside Fiduciary 3(16) Fiduciary Roland Criss offers optional fully outsourced fiduciary services PAYROLL+ JULY provides optional integrated payroll processing services Mesirow Financial Learn more about the JULY Retirement Platform by visiting our website at Mesirow Financial is not affiliated with July Business Services and its affiliates. Mesirow Financial refers to Mesirow Financial Holdings, Inc. and its divisions, subsidiaries and affiliates. The Mesirow Financial name and logo are registered service marks of Mesirow Financial Holdings, Inc. 2013, Mesirow Financial Holdings, Inc. All rights reserved. Advisory services offered through Mesirow Financial Investment Management, Inc. an SEC Registered Investment Advisor. 6