Simplify the Process of Data-driven Communications, with the Appo Customer Communications Management (CCM) System

Simplify the Process of Data-driven Communications, with the Appo Customer Communications Management (CCM) System Multi-industry solution for financial services, healthcare, insurance, and more From print to emails to microsites now you can create and manage all of your customer communications from one self-service platform, without custom document coding. www.appogroup.com

Faster, Easier, Smarter Targeted Communications The Appo System is a self-service platform for marketing departments to create and manage their data-driven communications. It eliminates the need for document programming and is the only single platform that integrates the creation and management of print, email, and microsite communications using Adobe publishing tools. Appo System Saves Time and Money In the past it took many months to program and test your data-driven communications pieces. You probably needed to make design compromises along the way and in the end you re locked into a proprietary software system that is difficult to modify. Low Cost Now you no longer need to be limited by custom software programming and lengthy, expensive development cycles. Our approach and tools for Adobe InDesign give you control of the design, testing, and change process reducing your time and cost to create and distribute variable communications. You Are In Control Multiple Email & Print Products Appo Group 2 appogroup.com

powered by Footnotes and disclosure text goes here. Footnotes and disclosure text goes here. Footnotes and disclosure text goes here. Footnotes and disclosure text goes here. Footnotes and disclosure text goes here. Footnotes and disclosure text goes here. Footnotes and disclosure text goes here. Footnotes and disclosure text goes here. www.appogroup.com info@appogroup.com 41.992.55 v1 powered by Do It Yourself or Let Us Help Using the Appo Toolset, you can add variable content (including data-driven charts, graphs, and tables) directly into your communications. Since our system links with your data, you will be able to see your data elements, organized so they are easy to find and to include in your documents. For example, you may want to drop in some of your variables like participant name, plan name, or fund name it s easy. We will help you every step of the way. From communication strategy, to design, to implementation, we are dedicated to providing you a more efficient process and the most effective and highest quality communications. Toolset Documents remain in InDesign and output to many formats including: Print-ready PDFs EBooks PowerPoint Presentations Emails and Microsites Data Sources Electronic Communications The Appo Toolset allows you to convert Adobe InDesign documents into emails and microsites. Through the Appo System you can attach customized PDFs to customer emails. You can also set up microsites for mobile devices to capture information at on-site meetings. EMAILS Date: January 25, 214 To: Tom Sample Subject: XYZ Company 41(k) Retirement Plan YOUR FUTURE STARTS NOW XYZ 41(k) Retirement Plan You are now eligible to enroll in your company retirement plan. Participating in the plan can help you prepare for a secure fi nancial future. And when you contribute to the plan, your company will match a portion of your contributions. START BUILDING YOUR RETIREMENT SAVINGS With just a few clicks you can see how saving today can add up to a secure tomorrow. YOU CAN START TODAY It s easy to enroll. MICROSITES Company Match Tax Advantages Compounding Enroll TAX-DEFERRED SAVINGS MEANS YOU PAY LESS IN TAXES Your contributions to your retirement plan help to lower your taxable income. That means your contributions are taken out of your pay before federal income taxes are calculated, so you pay less in taxes. 3% 5% 1% of your Salary of your Salary of your Salary Your $1,5 $2,5 $5, Contributions You Pay Less -$375 -$625 -$1,25 in Taxes ENROLL This example assumes $5, annual salary and a federal tax rate of 25% on annual taxable income. You will not pay taxes on your contributions until you withdraw your savings. More assumptions and footnotes here. More assumptions and footnotes here. NEXT www.appogroup.com info@appogroup.com 41.992.55 v1 Simplifying the process of data-driven communications 3

Your money can continue Your money can continue to grow on a tax-deferred to grow on a tax-deferred basis basis No early withdrawal No early withdrawal penalties penalties You have a have wide variety of investment choices It can help you consolidate your retirement accounts You can t take loans You can only choose against an IRA the investment options offered through the plan There may be other restrictions, depending on the plan design (IF BALANCE IS >$5) Your money can continue You have access to to grow on a tax-deferred your money now if you basis experience a financial hardship No early withdrawal penalties At a later date you can still move to another employer plan or roll over to an IRA You cannot make any You will owe 1% early additional contributions to withdrawal penalty (if your plan account you re under age 59 ½) You can only use the You will owe a 2% investment options offered federal withholding tax. through the plan Your money is no longer in There may be other a tax-deferred account restrictions, depending on the plan design v1 $5, $4,5 $4, $3,5 $3, $2,5 $2, $1,5 $1, 5 ASSET CATEGORY XYZ 41(K) PLAN FUND MAPPED TO NEW FUND Money Market Cash Management Advisors Stable Value Bond Fund Investment Grade Bond Intermediate Bond Lifecycle Fund ABC Target Date Fund 215 215 Target Fund Lifecycle Fund ABC Target Date Fund 225 225 Target Fund Lifecycle Fund ABC Target Date Fund 235 235 Target Fund Lifecycle Fund ABC Target Date Fund 245 245 Target Fund Lifecycle Fund ABC Target Date Fund 255 255 Target Fund Lifecycle Fund ABC Target Date Fund 265 265 Target Fund Large Growth AC Value Growth XZ Equity Income Mid-Cap Growth AC Mid-Cap Growth XZ Mid-Cap Growth Small Growth AF Small Growth ZF Small Growth Large Blend AC Index Fund S&P 5 Index Fund Mid-Cap Blend AC Mid-Cap Blend SS Mid-Cap Blend Small Blend AF Small Blend SY Small Blend Large Value AC Value Trust SS Value Trust Small Value AC 2 Value Trust SY 2 Value Trust International International Equity Euro-International Company Match on first 3% Annual company match limit is $1,. Annual IRS Plan savings limit for 213 is $16,5. Example is based on an annual salary of $5,. v1 I authorize the company to make payroll deductions from my compensation as inidcated in this form. This selection will remain in effect until I elect to change or to discontinue payroll deductions. PARTICIPANT NAME (please print) Signature Dated at, (City, State) this day of, 2. Ticker Fund Name Percentage XYZ Company contributes $1 for every dollar you save up to 3% of your salary, and another $.5 for every dollar you save on the next 3%, up to 6% of your salary. Your current contribution rate of 3%, plus the company match is allowing you to save $25 per month and you only contributed a $125. Now consider if you save an additional 3% for a total of 6% of your salary you will receive the maximum company match contribution. As shown in the chart below, if you increase your contribution to 6%, you will only be contributing $25 of the $438 that will go into your account monthly. And, when you add the power of compounding to your 6% contribution and the company match, you could have a balance of $1,712,758 in your account when you reach age 65. MONTHLY RETIREMENT SAVINGS $438 $25 Company Match Your Contribution $125 Contribution Rate Company Match $188 Contribution $25 Contribution Rate Assumes your contribution and company match continues at the current rate. Based on an annual salary of $5, and an 8% return on investment. Penalties and other taxes may apply if you cash in your retirement account before age 59-1/2. More footnotes. More footnotes. More footnotes. More footnotes Depending on how comfortable you are with managing your investments and allocations, you have the option to do it yourself or you can choose a target date fund that is managed for you by financial advisors until the target date. Generally, the more conservative the funds/portfolio, the recommended that younger people (who will typically lower the risk and expected returns (earnings) and the keep the money invested longer) and people who more aggressive the funds/portfolio, the higher the risk can afford to take more risk, choose more aggressive and expected returns. As you will notice in the portfolios portfolio mixes. For older investors, a more conservative, below, they all have a balance of high and low risk funds, less risky portfolio mix may be a better choice. The however the allocations (the percentage of investment closer to the time when the money will be withdrawn, in each fund category) are different. Typically, it s generally the more conservative the portfolio. MONEY MARKET FUNDS Least Risk/Return VERY CONSERVATIVE CONSERVATIVE Least Risk/Return Low Risk/Return VERY AGGRESSIVE Highest Risk/Return 25 26 27 28 29 3 31 32 33 34 35 36 37 38 39 4 41 42 43 23 PART I. VARIABLE RETURN INVES TMENTS COMPARISON Enc lo s e d is your Pa rt ic ip a nt Fe e Dis c lo s ure fo r t he XYZ Co m p a ny 4 1 ( k) Re t ire m e nt Pla n. This disclosure is required by the U.S. Department Variable Ret urn of Labor. Invest ment It s is provided by your employer to explain Fees the and costs Expenses associated with participating in the Plan. It is for informational purposes and is intended Average to Annual help you Tot al make Ret urn informed as Tot decisions al Annual about your investments. Additional Fees and Notes of Operat ing Expense No action is required on your part. On an annual basis, you will re c e ive a s im ila r d o c um e nt updated with investment 12/ 31/ 213 performance data as of December 31 of the previous year. 1 Year or This document enables you to compare 1 Year investment 5 Year performance Since As and a % investment-related Per $1, expenses and fees for each of the Pla n s inves t m ent options. For access to additional information Incept io about each investment option including the most recent n performance Fixed Income information and - Int ermediat e Bond a glossary of investment-related terms, go to: www.xyzcompany.com/ Tot al Ret urn Fund myretirementplan 2.9% 8.% 6.5%.7% $7. If (inception you a re adate n e xis / t / ing 199) p a rt ic ip a nt with a retirement plan account www.xyzcompany.com/ US Govt/ Credit 5-1 Yr TR retirementplaninfo 11.% 9.% 7.% N/ A N/ A Benchmark If you USD* are an e lig ib le no n-p a rt ic ip a nt and have not enrolled in the plan Ret irement Funds Document Target 225 Summary 2.5% N/ A 1.14% 1.5% $15. *This Invest ment is only offered wit h t he (inception date / / 2) guarant eed income option. Ret urns shown are Part I - Inc lud e s inves t m e nt o p t io ns wit h varia b le rat e s o f re t urn investments net that of t he do guarant not provide ee fee. a s p e c ific rat e o f return for investors. Dow Jones 225 Index* 4.% 5.% 1.% N/ A N/ A Benchmark Pa rt II - Includes investment options with fixed rates of return investments that provide a specific rate of return for investors. Balanced - Value Pa rt III - Includes annuity options and other guaranteed lifetime income options that have guaranteed benefit features. Capit al Appreciat ion 3.% 3.5% 7.5%.7% $7. (inception Part IV date - Cont / a ins / info 199) rm a t io n a b o ut a d m inis t rat ive fe e s a s s o c ia t e d wit h your p la n. Part S&P 5 V - Index* Explains who you can contact (2.%) for 1.5% questions 5.5% and paper copies N/ A of investment-re N/ A Benchmark la t e d info rm a t io n. Large Cap Stock - Value Lg Cap Value (2.%) (2.%) 5.%.5% $5.5 (inception date / / 199) Fee Disclosure (Attachment 2) / February 3, 213 1 Russell 1 Value TR USD*.5% (2.5%) 4.% N/ A N/ A Benchmark Large Cap Stock - Blend For Broker/Dealer Use Only. $5, $4,5 $4, $3,5 $3, $2,5 $2, $1,5 $1, $5, 5 $4,5 $4, $3,5 $3, Company Match on first 3% $2,5 $2, $1,5 $1, 5 Annual company match limit is $1,. Annual IRS Plan savings limit for 213 is $16,5. Example is based on an annual salary of $5,. $5, powered $4,5 by www.appogroup.com $4, info@appogroup.com 41.992.55 OUTPERFORMING THEIR BENCHMARKS ABC Large Cap Large Cap Benchmark ABC SmallCap SmallCap Benchmark Company Match Tax Advantages Compounding Enroll $3,5 $3, $2,5 $2, $1,5 $1, 5 $5, $4,5 $4, $3,5 $3, $2,5 $2, $1,5 $1, 5 Company Match on first 3% v1 powered by powered by $5, $4,5 $4, $3,5 $3, $2,5 $2, $1,5 $1, 5 $5, $4,5 $4, $3,5 $3, $2,5 $2, $1,5 $1, 5 Company Match on first 3% $5, $4,5 $4, $3,5 $3, $2,5 $2, $1,5 $1, 5 $5, $4,5 $4, $3,5 $3, $2,5 $2, $1,5 $1, 5 Company Match on first 3% NEXT FINISHED! v1 v1 Data-Driven Communications Whether it s a simple postcard, a complex information kit, or a regulatory notice, you can now create your data-driven communications without writing a single line of software code. POSTCARDS FLYERS FORMS ENROLLMENT KITS DISCLOSURES You Are Now Eligible To Begin SAVING YOUR FUTURE STARTS NOW Enroll today and start saving for your future. XYZ Company 41(k) Retirement Plan ENROLLMENT FORM page 2 of 2 STEP THREE: INVESTMENT SELECTION All contributions will be invested as selected below. 41(k) Retirement SAVINGS PLAN xyz! XYZ Company 41(k) Retirement Plan PARTICIPANT FEE DIS CLOS URE S TATEMENT (for year ending 12/31/xx) January 25, 214 Tom Sample 123 Any Street Anytown, MD 12345 You are now eligible to enroll in your company retirement plan. Participating in the XYZ Company 41(k) Retirement Plan can help you prepare for a secure financial future. And when you contribute to the plan, your company will match a portion of your contributions. There are also tax advantages and benefits of compounding that make now a good time to start saving. Your $ 2,5 contribution is really worth YOUR MATCH CAN HELP BUILD YOUR RETIREMENT SAVINGS Your Employer will contribute {$1.} for every {$1.} you contribute to the plan up to the first 3% of your salary, and {$.5} for every {$1.} on the next 2% of your salary. So, if you make $5, and you contribute 5% ($2,5) to the plan, your employer will make an additional $2, in matching contributions. Your total annual account contributions, including both your contributions and your employer matching contributions would be $4,5! SIGN UP TODAY! www.xyzcompany.com/myplan $ 4,5 CHOOSE ONE TARGET DATE FUND OR 215 Fund 225 Fund 235 Fund 245 Fund 255 Fund 265 Fund STEP FOUR: SIGNATURE REQUIRED CREATE YOUR OWN INVESTMENT MIX Growth Equity Funds PVD Peliqui Volutatem Derrorp % Value Equity Funds ANV Aquia Nonsequam Vendiam % DTL Dolorup Taspict Latiistotat % Blend Equity Funds ANV Aquia Nonsequam Vendiam % DTL Dolorup Taspict Latiistotat % PVD Peliqui Volutatem Derrorp % Bond Funds ANV Aquia Nonsequam Vendiam % DTL Dolorup Taspict Latiistotat % PVD Peliqui Volutatem Derrorp % QCN Quatiost Que Cum Nis % DAV Doloribusant Ape Venihic % Mondey Market Funds ANV Aquia Nonsequam Vendiam % DTL Dolorup Taspict Latiistotat % PVD Peliqui Volutatem Derrorp % QCN Quatiost Que Cum Nis % QCN Quatiost Que Cum Nis % DAV Doloribusant Ape Venihic % Total Must Equal = 1% powered by APPO GROUP ROLLOVER BROCHURES PLAN CHANGES & CONVERSIONS INVESTMENT STATEMENT ASSET ALLOCATION ADVISOR SALES PROS CONS Keep your money working for you How To Choose Your Retirement Rollover Path Taking charge of your rollover investment is an important part of planning for your financial future. Your Advisor can walk you through how to choose the option that s best for you and help keep your money working for you. ROLL OVER ROLL OVER LEAVE IT IN THE CASH OUT INTO AN TO A NEW CURRENT PLAN YOUR IRA EMPLOYER PLAN ACCOUNT January 214 Take charge of your investments Tom Sample 123 Any Street Anytown, MD 12345 abcfinancial Your logo goes here.your logo goes here. Your Advisor Chris Smith ABC Financial chrissmith@advisor.com 1.8.123.4567 April 7 214 Jane Smith 1234 Any Street Anytown, US 12345 CHANGES TO YOUR 41(K) RETIREMENT PLAN After the merger, account balances in the XYZ 41(k) Retirement Plan will be mapped (transferred) to similar funds in the XYZ 41(k) Retirement Savings Plan as shown below. INVESTMENT FUND MAPPING Please review and consider your new fund options carefully. Although the new funds may have similar objectives they may have different investment risk/return potential. Effective Date for these fund changes is June 1, 214. If you have questions about your account or would like to speak with a representative, please call 1-888-123-4567 or go to www.abcfinancial.com/retirementinfo You re in the plan and heading in the right direction but is it enough? If you are saving less than your company match and the IRS limit, you may want to consider saving more. Take advantage of the full benefits your company 41(k) plan offers and get closer to a more secure financial future. If you have questions about your account or would like to speak with a representative, please call 1.888.123.4567 or go to www.abcfinancial.com/retirementinfo GET YOUR FULL MATCH $125 Your 3% Current 6% Recommended Nice job you re saving for your future. Now Let s Take a Look at How You re Invested What is the Right Mix for You? Risk vs. Reward 4% Money Market 4% Bond 2% Stocks abcfinancial Your logo goes here.your logo goes here. 25% Money Market 35% Bond 4% Stocks BOND FUNDS Low Risk/Return SAMPLE PORTFOLIOS MODERATE Moderate Risk/Return 15% Money Market 25% Bond 6% Stocks AGGRESSIVE High Risk/Return 5% Money Market 15% Bond 8% Stocks STOCK FUNDS Moderate to High Risk/Return 5% Money Market 5% Bond 9% Stocks www.myretirementplan.com March 214 Take a look at these funds and consider adding them to your client s portfolios they have beaten their benchmarks for the last three years! Below is the contact information we have on file for you. If your information has changed, please contact us at 1.8.992.55 or go online at www.abcfinancial.com/advisor to update your profile. Chris Smith ABC Financial 92 Advisor Way Investortown, MD 2145 chrissmith@advisor.com 1.8.123.4567 abcfinancial Your logo goes here.your logo goes here. FOCUS FUNDS ABC Financial funds have endured the ups and downs of the market while providing above average returns for investors. And you can be confident that you will have access to the most current industry research, and state-of-the-art technology and investment tools. At ABC Financial, we understand the importance you play in managing and supporting the financial future of many individuals and families. It s a partnership and we are committed to providing you with the support you need to help you meet your goals. Company Match Tax Advantages Compounding Enroll One Platform for Everything Emails, microsites, and print communications are generated on the same platform and are automatically formatted for access on Macs, PCs, ipads/tablets, and iphones/smartphones. 4 appogroup.com YOUR MATCH CAN HELP BUILD YOUR RETIREMENT SAVINGS Your Employer will contribute [$1.] for every [$1.] you contribute to the plan up to the fi rst 3% of your salary, and [$.5] for every [$1.] on the next 2% of your salary. So, if you $5, $4,5 Date: make January $5, 25, 214and you contribute 5% ($2,5) to the plan, $4, To: Tom your Sample employer will make an additional $2, in matching $3,5 Subject: XYZ Company 41(k) Retirement Plan contributions. Your total annual account contributions, including $3, both your contributions and your employer matching contributions $2,5 YOUR FUTURE STARTS NOW $2, would be $4,5! $1,5 $1, $5, 5 $4,5 $4, $3,5 XYZ 41(k) $3, Retirement Plan Company Match on first 3% $2,5 You are now Company eligible Match to enroll on next in your 2% company $2, retirement plan. Participating in the plan can help you prepare for a secure fi nancial future. $1,5And when you contribute to the plan, your company will match a portion of your contributions. $1, 5 Annual company match limit is $1,. Annual IRS Plan savings limit for 213 is $16,5. Example is based START on an annual BUILDING salary of $5,. YOUR RETIREMENT SAVINGS With just a few clicks you can see how saving today can add up to a secure Company tomorrow. Match on first 3% NEXT $5, powered $4,5 by YOU CAN START TODAY www.appogroup.com info@appogroup.com It s 41.992.55 easy to enroll. $4, $3,5 $3, Footnotes $2,5 and disclosure text goes here. Footnotes and disclosure text goes here. Footnotes and disclosure text goes here. Footnotes and disclosure text goes here. Footnotes and disclosure text goes here. Footnotes and disclosure text goes here. Footnotes and disclosure text goes here. Footnotes and $2, disclosure text goes here. $1,5 $1, ENROLL $5, powered by 5 www.appogroup.com info@appogroup.com 41.992.55 $4,5 $4, $3,5 $3, $2,5 $2, $1,5 $1, 5 v1 v1 YOUR MATCH CAN HELP BUILD YOUR RETIREMENT SAVINGS Your Employer will contribute [$1.] for every [$1.] you contribute to the plan up to the fi rst 3% of your salary, and [$.5] for every [$1.] on the next 2% of your salary. So, if you make $5, and you contribute 5% ($2,5) to the plan, your employer will make an additional $2, in matching contributions. Your total annual account contributions, including both your contributions and your employer matching contributions would be $4,5! NEXT CONGRATULATIONS YOU ARE ENROLLED IN THE XYZ 41(k) Retirement Plan You will receive a confi rmation email once your account has been activated. Please call 1.8.123.4567 or log on to www.xyzcompany.com/myplan for more information about your investment options or to make changes to your account. Please allow approximately 2 weeks for your account to be activated and payroll deductions to begin. THANK YOU! YOUR MATCH CAN HELP BUILD YOUR RETIREMENT SAVINGS Your Employer will contribute [$1.] for every [$1.] you contribute to the plan up to the fi rst 3% of your salary, and [$.5] for every [$1.] on the next 2% of your salary. So, if you make $5, and you contribute 5% ($2,5) to the plan, your employer will make an additional $2, in matching contributions. Your total annual account contributions, including both your contributions and your employer matching contributions would be $4,5! Annual company match limit is $1,. Annual IRS Plan savings limit for 213 is $16,5. Example is based on an annual salary of $5,. www.appogroup.com info@appogroup.com 41.992.55 Company Match Tax Advantages Compounding Enroll To unsubscribe to electronic delivery of future plan communications, please call 1.8... If you prefer to unsubscribe via postal mail, please send your full name, mailing address, and email address to XYZ Company, PO Box 111, Any Town, MD, 11111-2222 USA. www.appogroup.com info@appogroup.com 41.992.55

Secure Website for Managing Communications The Appo System maintains a library of all of your communications assets including data-driven documents, kits, images, variable content, logos, and modules (including charts, graphs, and tables). Now you can use and reuse these assets for print, emails, and microsites. Our system tracks your approval of documents as well as when documents are added or changed. You can order your communications through automated data-feeds or the online Appo Portal. This secure website portal provides a variety of functions depending on user login credentials and can provide access for your brokers/advisors and customers to place orders. Portal Simplifying the process of data-driven communications 5

Campaign Planning Fee Disclosures: email/pdfs Open Enrollment Campaign: email/print Create multi-touch campaigns and schedule them for distribution. You can also view your campaign calendar and receive reminder emails as the dates approach. Benefits Fair Announcement Increase Deferral Campaign Meeting Notice: email/flyer Follow-Up Reminder: email/postcard Re-enroll: web/print campaign Open Enrollment Notification Enrollment Close Reminder: email/postcard Management Reports Using feedback from your vendors, the Appo System can provide extensive management reporting including information on orders, production status, costs, and campaign effectiveness. 6 appogroup.com

reach age 65. $438 Company Match $188 $25 Company Match $125 Your Contribution $25 Your Contribution $125 3% 6% Current Contribution Rate MONTHLY RETIREMENT SAVINGS Recommended Contribution Rate April 7 214 Jane Smith 1234 Any Street Anytown, US 12345 CHANGES TO YOUR 41(K) RETIREMENT PLAN After the merger, account balances in the XYZ 41(k) Retirement Plan will be mapped (transferred) to similar funds in the XYZ 41(k) Retirement Savings Plan as shown below. INVESTMENT FUND MAPPING ASSET CATEGORY XYZ 41(K) PLAN FUND MAPPED TO NEW FUND Money Market Cash Management Advisors Stable Value Bond Fund Investment Grade Bond Intermediate Bond Lifecycle Fund ABC Target Date Fund 215 215 Target Fund Lifecycle Fund ABC Target Date Fund 225 225 Target Fund Lifecycle Fund ABC Target Date Fund 235 235 Target Fund Lifecycle Fund ABC Target Date Fund 245 245 Target Fund Lifecycle Fund ABC Target Date Fund 255 255 Target Fund Lifecycle Fund ABC Target Date Fund 265 265 Target Fund Large Growth AC Value Growth XZ Equity Income Mid-Cap Growth AC Mid-Cap Growth XZ Mid-Cap Growth Small Growth AF Small Growth ZF Small Growth Large Blend AC Index Fund S&P 5 Index Fund Mid-Cap Blend AC Mid-Cap Blend SS Mid-Cap Blend Small Blend AF Small Blend SY Small Blend Large Value AC Value Trust SS Value Trust Small Value AC 2 Value Trust SY 2 Value Trust International International Equity Euro-International Please review and consider your new fund options carefully. Although the new funds may have similar objectives they may have different investment risk/return potential. Effective Date for these fund changes is June 1, 214. If you have questions about your account or would like to speak with a representative, please call 1-888-123-4567 or go to www.abcfinancial.com/retirementinfo Set-up is Easy with Appo Group We have developed an extensive data set for communications materials. We translate your data definitions into our industry data set and you are up and running. Now you can see and use your data for all types of communications. The Appo System also integrates with your vendors for marketing and recordkeeping data, workflow and asset management, and print and email production services. This gives you the flexibility to choose and change your suppliers easily and attain Best in Class Services. COMPOSITION Adobe InDesign with Toolset MANAGEMENT/STOREFRONT Portal Network Appo Toolset Features Drag and Drop Variable Charts, Graphs, and Tables Insert Data Placeholders Add Conditional Text and Images Test Data Merge and View PDF Samples Data Sources Asset Library Data Tags Modules Images Templates Data-driven Templates You re in the plan and heading in the right direction but is it enough? If you are saving less than your company match and the IRS limit, you may want to consider saving more. Take advantage of the full benefits your company 41(k) plan offers and get closer to a more secure financial future. If you have questions about your account or would like to speak with a representative, please call 1.888.123.4567 or go to www.abcfinancial.com/retirementinfo GET YOUR FULL MATCH XYZ Company contributes $1 for every dollar you save up to 3% of your salary, and another $.5 for every dollar you save on the next 3%, up to 6% of your salary. Your current contribution rate of 3%, plus the company match is allowing you to save $25 per month and you only contributed a $125. Now consider if you save an additional 3% for a total of 6% of your salary you will receive the maximum company match contribution. As shown in the chart below, if you increase your contribution to 6%, you will only be contributing $25 of the $438 that will go into your account monthly. And, when you add the power of compounding to your 6% contribution and the company match, you could have a balance of $1,712,758 in your account when you Assumes your contribution and company match continues at the current rate. Based on an annual salary of $5, and an 8% return on investment. Penalties and other taxes may apply if you cash in your retirement account before age 59-1/2. More footnotes. More footnotes. More footnotes. More footnotes Appo Portal Features Manage Your Assets Run Data Merge and View PDFs Create Kits and Campaigns Display Views Based on User Permissions Tailor Pre-Approved Template Content Capture New Form-Fill Data Place Orders for Print and Emails View Reports Adobe InDesign Server + Appo Production Engine Outputs Print-Ready and Interactive PDFs, EBooks, Presentations, and Emails Print Vendors Digital, Offset, Transactional Email Vendor (e.g. Marketing Cloud) Simplifying the process of data-driven communications 7

213-216 Appo Group and its logos are trademarks of Appo Group, Inc. All rights reserved. Adobe InDesign is a trademark of Adobe Systems Incorporated. All rights reserved. Various trademarks held by their respective owners. Copyright 216 Appo Group Approach Our management team has many years of experience developing data-driven communications for some of the largest retirement plan providers. The Appo System was created to serve the most advanced applications. This includes large data sets, multi-tier data logic, and conditional content. And if you just want to send simple data-driven postcards or emails the Appo System is your easiest and best choice. From data-driven print, to email, to microsites, we can provide you with a better, faster, and less expensive method of creating communications. Adobe InDesign Appo Toolset Get Started If you want to learn more about how the Appo System can support your retirement communications strategy, please contact us at 41.992.55 or info@appogroup.com. Simplifying the Process of Creating Data-driven Communications 41.992.55 info@appogroup.com www.appogroup.com