Expert Advice Innovative Options Personalized Service

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1 Retirement Plan Solution OUR MISSION, OUR FIRM Expert Advice Innovative Option Peronalized Service Our Miion i to help our client build financial ecurity through quality product and outtanding ervice, delivered at an excellent value. Our Promie i to: Perform Every Facet of our Buine with Integrity and Repect Conduct our Buine in an Environment that Encourage Teamwork, without Minimizing the Contribution of the Individual Value Candor and Accountability Embrace Change and an Entrepreneurial Spirit OUR PEOPLE AND OUR CLIENTS ARE OUR MOST IMPORTANT ASSETS! 600 Delran Parkway, Suite B Delran, NJ PHONE: (800) K FAX: RETIREMENT@BCGbenefit.com

2 Benefit Conultant Group (BCG) know that the right retirement plan i critical for both buine owner and financial advior and that chooing it challenge even the mot talented buine profeional. Since 1958, we have been helping organization like your deign, implement, and adminiter innovative plan. No matter how complex your need, you will find a technical expertie in recordkeeping and plan adminitration that ha become the indutry tandard. BCG offer the following type of plan: 401(k) Roth 401(k) (b) Profit Sharing Plan New Comparability/ Age-Baed Defined Benefit Cah Balance ESOP Money Purchae Penion Non-Qualified Deferred Compenation Permitted Diparity Expert Advice - A team of indutry profeional upport our retirement plan. In-houe conultant, ERISA attorney, accountant, and actuarie will work with you and your advior to enure your retirement plan meet your pecific need and objective. A taff of indutry-leading profeional who have an impreive average tenure of 9.7 year will addre your quetion and concern. Innovative Option - Our ervice offering allow you to add additional feature a your buine need change. Our active involvement with the government changing legilation align your plan with current requirement. Our excluive Retirement Plan Deign proce allow u to balance your buine many need. Peronalized Service - Our commitment to client individualize each relationhip. Our accuracy, timeline and commitment to you i backed by a written, five-part, money-back guarantee. Your plan participant will receive not only awardwinning tatement but 24/7 acce to their plan information and dedicated Plan Specialit who will handle any time-enitive need. Partner With The Right Retirement Plan Leader. One of the recordkeeper that financial advior and CPA mot recommend, BCG handle the daily adminitration of over 2000 retirement plan. ervice over 190,000 plan participant. manage over two billion dollar in plan aet. pecialize in ervicing the mall and medium ized retirement plan egment (1-10,000 employee).

3 Adminitrative Service and Feature A Succeful Retirement Plan Today organization, large or mall, demand a turnkey olution for their retirement plan need - and you hould, too. BCG can offer your organization a full range of ervice, upport and feature. Whether you need them today or tomorrow, it i good to know you are partnering with a firm that can deliver what you want, when you want it. Employer need an objective conulting perpective to help navigate the important reponibility of implementing and maintaining a retirement plan for their employee. Knowing how complex and time-conuming the deciion-making can be for mot buine profeional, BCG focue on providing employer and advior the tool and expertie critical to every ucceful retirement plan. Plan Offering 401(k) Roth 401(k) (b) Profit Sharing New Comparability/Age-Baed Defined Benefit Cah Balance ESOP Money Purchae Penion Non-Qualified Deferred Compenation Permitted Diparity Plan Document Support Recordkeeping Sytem 24/7 web and toll free account acce Multiple fund familie Self directed brokerage account Aet allocation model Multiple contribution ource Automated tracking of eligibility Multiple veting chedule between ource Daily valuation of participant account Quarterly participant account tatement Quarterly adminitrator report On-demand ad hoc advior and plan ponor reporting option Ongoing Adminitrative Service Plan Deign We will work with advior and plan ponor to deign a retirement program that meet your pecific need and objective. Invetment Option Our platform offer you the flexibility to elect an ideal menu from thouand of invetment option. Education & Communication BCG provide you with award-winning tool and information to deliver an effective education program. Prototype plan document Volume ubmitter plan document 403(b) plan document Non-qualified plan document (deferred comp. 457) Adoption agreement Summary plan decription (SPD) IRS filing Plan amendment ervice Plan retatement ervice Document review Document-mapping ervice Conulting on default proviion/common election We are pleaed with all apect of working with BCG. Continue to eek procee and method that keep BCG ahead of the pack. -Peter Ragaller Dedicated ingle point-of-contact for advior and plan ponor Client and participant ervice Available repreentative (M-F 8 a.m. - 8 p.m. EST) Foreign language upport (repreentative aitance) QNEC calculation QMAC calculation Signature ready 5500 Year end compliance teting Participant loan adminitration Participant ditribution Tax withholding and reporting Comprehenive adminitrative guide Available trutee ervice Cutomer ervice guarantee BCG will cutom deign a comprehenive retirement plan to meet the unique need and objective of your buine. No matter how large or mall your organization may be, you no longer need to acrifice or ettle for econd bet when it come to your retirement plan benefit. Robert Paglione, Chairman Benefit Conultant Group 4 5 Plan Implementation Initiating a plan that i on time and accurate begin with your firt phone call to BCG. Cutomer Service Our commitment to you i backed by an indutry-leading cutomer ervice guarantee. 7

4 1Plan Deign Engineering the optimal plan deign i critical when creating or reviewing a retirement program. BCG conultant will guide you throughout the detailed Plan Deign proce. 5Cutomer Service BCG i devoting a larger portion of it operational budget to better ervice you and your employee. In addition to our capital invetment, SAS-70 certification and ISO-9001 tandard, BCG maintain it focu a a ervice buine. We are committed to a high-tech and high-touch relationhip with our client. Cutom Deigning Your Plan After analyzing your buine objective, we will deign a retirement plan pecific to your organization need and aimed at maximizing your hort- and long-term goal. In many cae, we will provide everal option for you to conider. Guaranteeing Compliance and Accuracy Our taff of expert include in-houe ERISA attorney and actuarie who are available to thoroughly review your plan all done to enure your retirement plan meet your objective and regulatory requirement. Undertanding Your Buine Objective To contruct the bet plan for you, BCG will conider the following: the primary objective of the plan the impact of your plan on your buine goal the number of employee or plan participant you have any pecial conideration there may be for owner and key employee the type of entity your buine i employer contribution Your taff wa very patient and inightful while reviewing plan deign conideration. They were able to provide very good uggetion for the plan and kept u on track throughout the entire implementation proce. I would recommend BCG to other who are looking for a TPA. - Kara Threher Single Point-of-Contact BCG aign a Retirement Plan Specialit (RPS) to both the plan ponor and the advior. The ole reponibility of thi pecialit i to erve a your advocate and liaion within BCG, to anwer your quetion, and to help with your retirement need. 100% Satifaction Cutomer Service Guarantee Our commitment to you i o trong, we back it up with a written five-part guarantee. Should we not deliver exceptional cutomer ervice to you, we will refund a portion of our fee. Ye, it i that imple. Operational Flexibility Through the year, we have developed a flexible et of procedure proven to accommodate divere buine ervice requirement a welcome alternative from the rigid rule typically found at larger, more imperonal retirement plan provider. Workflow Technology Sytem The power behind our workflow management ytem ignificantly trengthen our ability to handle your retirement plan quetion. Whether in the initial tage of implementing the plan or tracking an employee ditribution requet five year from now, the BCG taff i able to ee exactly what i being done, by whom, and when. Your taff wa able to quickly and effectively anwer all of my quetion and I had quite a few Chri Zorzi

5 4 Plan Implementation Whether you are tarting a new retirement plan or converting your exiting one to BCG, we will work tirelely to get the plan running quickly and accurately. Fat, Simple and Accurate Implementation and Converion Proce BCG ue a 5-Step FAST-Track Plan Implementation and Converion Proce, one that outline everyone role and reponibilitie and et all expectation from the tart. Confidence in your Deciion After eaily navigating our plan implementation and converion proce, you will begin to realize how trouble-free it i to work with BCG. Our ytem, technology, and people interact ynergitically to keep your retirement plan running flawlely year after year. From the moment you engage in a converation with a BCG employee, you will notice an enthuiam to make ure your particular plan i executed perfectly. Day-to-Day Implementation Support The meticulou attention your plan received during the implementation proce doe not end with it etablihment. Our detailed tranfer proce make certain that each tep i addreed, that the upport continue when your plan i reaigned to our ervice team. BCG 5-Step FAST-Track Plan Implementation And Converion Timeline The proce of working with Benefit Conultant Group wa quick, eay and mooth. Your taff wa informative and very acceible when I needed them. -Joe Carter 2Invetment Option Becaue retirement plan requirement are unique to each buine and becaue thouand of invetment alternative are available, you will want to partner with a firm that ret on an open architecture platform. Our provide advior and plan ponor with the ability to create a cutom portfolio. Whether chooing one or multiple invetment manager*, you will agree that our invetment flexibility eaily adapt to your pecific need both today and tomorrow. Our Open Architecture Platform I Exactly What You Will Need We know your retirement plan need are unique to your buine. That i why it i important to elect a retirement plan provider who ha the ability to give invetment profeional the option to elect from a wide-variety of invetment alternative. Independent Objectivity BCG fund platform allow financial advior to independently and objectively elect thoe invetment option which meet the divere need of plan ponor. Online Invetment Information And Account Acce For your employee convenience, invetment and account information i acceible at any time. In addition, participant are able to diverify their portfolio a market condition ebb and flow, rebalance invetment allocation and actively manage their account -- all with the touch of a button. *Peronal Invetment Portfolio (PIP) and Self-Directed Brokerage are alo available. Changing Invetment Option With BCG, you will alway have the ability to make prudent invetment deciion -- baed on what i bet for the plan without having to wretle with the deciion to change provider. BCG wa very reponive and very proactive with our client. Thi i the kind of attention our client are looking for and encourage me to continue to ue BCG Frank Scozzafava

6 3 Education & Communication BCG know your retirement plan program could be your employee mot important benefit. To help them capitalize on their invetment, we will provide a blend of award-winning quarterly tatement, educational material and online technology. Statement Include: SmartStatement An Interactive Education Sytem BCG give you and your plan participant acce to the latet in online financial planning tool. Thee allow you to compare the way different cenario will impact your financial future. Award-winning Statement Each quarter, your plan participant will receive our Dalbar Award-winning SmartStatement TM. It will include detailed account data, participanttargeted meage, and educational article arranged in eight colorful and eay-to-read page. Account Summary Meage Board Invetment Performance Online Calculator: 401(k) Saving Calculator Retirement Penion Planner Required Minimum Ditribution Amortizing Loan Calculator The Invetment Performance page include all fund in the plan. Our Aet Analyzer compare new contribution allocation to exiting balance. The Account Detail ection feature information about account activity within each invetment. College Saving Social Security Peronal Rate of Return And more... Aet Allocator Your age, ability to tolerate rik and everal other factor are ued to calculate a deirable invetment portfolio. The Educational Article included with each tatement are deigned to inform and educate participant about retirement inveting. Educational Article A Peronal Rate of Return i calculated for each participant. 24/7 Account Acce Voice Repone Unit (VRU) BCG toll-free VRU provide, in both Englih and Spanih, eay acce to account information 24 hour a day, 7 day a week. Call Center During buine hour, caller can elect out of the VRU and peak in Englih or Spanih directly to an experienced client-ervice repreentative. Online Reource BCG alo maintain a ecure, interactive webite that allow participant to view account balance, tranfer exiting fund, review loan data, perform loan modeling and even change invetment election quickly. Plan ponor and advior acce i available. Retirement Income Calculator Ue thi calculator to determine the monthly income your retirement aving may provide when you retire. Retirement Planner Running out of your retirement aving too oon i one of the bigget rik in retirement. 3 54