1. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 UFPC 401(k) Plan For Franchisees of: A&W, KFC, Long John Silver’s, Pizza Hut, & Taco Bell The information contained in this presentation is being provided with the understanding that it is not intended to be interpreted as specific legal or tax advice. Individuals are encouraged to see the guidance of their own personal legal or tax counsel.

2. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 Welcome to the UFPC 401(k) Plan! The UFPC 401(k) Plan was developed in January 2000 in cooperation with Yum! Brands, Inc. and UFPC to provide a low- cost, high quality retirement plan for franchisees of A&W, KFC, Long John Silver’s, Pizza Hut, and Taco Bell. The UFPC 401(k) Plan features: –Low administration costs –Ongoing help with plan management –Flexible plan options –Access to top investment funds –Free plan-specific investment strategies through www.401ktoolbox.com service managed by PMFM, Inc.

3. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 Our Market Since the UFPC 401(k) Plan’s inception, numerous franchisees across the country have taken advantage of this valuable employee retention tool. Because we service the franchisee market, we understand the challenges associated with the quick service restaurant industry and have solutions that work.

4. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 What is a 401(k) Plan? A type of qualified retirement plan A plan established by the employer (franchisee) A plan where contributions can be made by the employee and/or employer

5. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 Why do franchisees use 401(k) plans? Favorable federal tax benefits for the franchisee Favorable federal tax benefits for the employee Helps attract and retain employees Helps make you competitive with other employers

6. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 Who contributes to a 401(k) plan? Both employees and employer may contribute Employee contributions are made by pre-tax deferrals Employer contributions are discretionary and may be either matching contributions or profit sharing contributions

7. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 What is a “Safe Harbor 401(k)” plan? As a general rule, a 401(k) plan must satisfy non- discrimination requirements. Many small businesses find this hard to do, and as a result, owners and highly compensated employees may be limited to the amount they can contribute to the plan. Plans now have alternative, simplified methods of meeting the non-discrimination requirements. 401(k) plans that adopt one of these alternative methods are referred to as “safe harbor 401(k)” plans.

8. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 Should I use a “Safe Harbor 401(k)” Plan? Key Features –VESTING All employee and employer safe harbor matching or non- elective contributions are 100% vested immediately. –CONTRIBUTIONS The employer may elect either a matching formula or a non- elective formula of eligible employee compensation to satisfy IRS “safe harbor” requirements. –$1/$1 up to 4% for all participating employees OR –3% non-elective deferral of all eligible employees, whether or not they are participating. Key Advantages –PLAN COMPLIANCE Safe Harbor 401(k) plans do not require extensive discrimination testing.

9. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 Can I roll my current retirement plan over? Existing 401(k), profit sharing, pension, HR- 10/Keogh, IRA’s, SIMPLE IRA’s, and SEP Plans can be transferred. Roth IRA’s and Roth 401(k)’s cannot be transferred to this plan.

10. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 UFPC 401(k) Plan Cost & Features UFPC has negotiated very attractive plan features on your behalf: 1. LOW out-of-pocket costs for the franchisee One-time plan start-up fee of $250 Annual plan administration fee of $450 plus $15 per participant. Each plan has a MAXIMUM administration fee of $1,950 per year, no matter how many participants you have. No monthly or quarterly fees EXAMPLE: Plan A has 20 plan participants Yearly administration cost for the plan is $450 + (20 x $15) = $750 EXAMPLE: Plan B has 200 plan participants Yearly administration cost for the plan should be $450 + (200 x $15) = $3,450 BUT, since there is a maximum out of pocket cost negotiated by UFPC, your company pays ONLY $1,950

11. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 UFPC 401(k) Plan Cost & Features (con’t) 2.NO surrender charge on the UFPC 401(k) 3.NO check writing fee for distributions from the plan 4.FREE enrollment meetings in English and/or Spanish at multiple locations 5.FREE 401(k) Toolbox - an independent internet investment strategy tool managed by PMFM, Inc. that helps your employees select the right accounts among those available in your plan AND reduces your fiduciary liability as a trustee 6.Administration is included to help plans stay in compliance and to prepare necessary tax documents for the franchisee

12. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 UFPC 401(k) Investment Cost for Participants Regardless of provider, the sum of these 3 fees is the cost for an individual to obtain/maintain an investment under a plan. Many fund providers move these fees around to look more competitive. We believe that when you compare our costs with others, you will see that this product is the most competitively priced program available. Proposals are available which show the investment cost of each separate account available in the plan. Asset Fees + + Investment Management Fee Underlying Account Fee + + = = Total Cost to Obtain/Maintain an Investment

13. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 The UFPC 401(k) Investment Platform The UFPC Franchisee 401(k) uses an unregistered group variable annuity contract with a competitive guaranteed fixed investment option* *All guarantees are based on the claims paying ability of the issuer.

14. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 Features of the UFPC 401(k) Plan Over 50 investment options Free customized enrollment booklets in English and Spanish Interactive website allows transactions to be requested 24 hours a day Toll free Customer Service available 8 a.m.-8 p.m. (Eastern Time), Monday through Friday Daily performance updates Quarterly newsletters Award-winning quarterly statements to participants include –Benchmark index comparisons –Personal rates of return Free employee education materials

15. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 Your 401(k) Team Unified Foodservice Purchasing Co-op (UFPC) –Serves all corporate and franchise-owned A&W, KFC, Long John Silver’s, Pizza Hut, and Taco Bell restaurants in the United States. –Provides their members with an ensured supply of specified products at a low cost. Ricke & Associates –A strategic provider for UFPC –Specializes in helping franchisees grow their business, protect their income, preserve capital, and accumulate wealth. –The financial representatives and contact for the UFPC 401(k) plan. Foley Benefits Group –Third party administrator for the UFPC 401(k) Plan –Provide comprehensive recordkeeping and plan management and prepare plan year end reports and IRS tax filings

16. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 The Winning Combination Our team will provide you all facets you need in a retirement plan. –Support from Ricke & Associates and our 401(k) provider –Affordable, flexible 401(k) contract –Plan-specific investment strategies for participants from 401(k) Toolbox, an online resource managed by PMFM, Inc. –Plan administration by Foley Benefits Group, LLC

17. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 The UFPC 401(k) Plan Benefits Franchisee saves money with lower UFPC-negotiated fees Franchisee can elect to make a contribution or not make a contribution to the plan Franchisee can design the plan with flexible options and eligibility requirements Franchisee receives valuable employee marketing and education materials Franchisee receives plan management support so that they can focus on their core business Participants receive important planning tools with online investment strategies

18. Attract & Retain Your Employees Build & Preserve Your Business Protect Your Family Larry Ricke is a registered representative offering securities products through MML Investors Services, Inc. 8425 Woodfield Crossing, Suite 220, Indianapolis, IN 46240. (317) 469-9999. Ricke & Associates is not a subsidiary or affiliate of MML Investor Services, Inc. Tracking #055347 Summary The UFPC 401(k) Plan helps you attract, retain, and reward your employees. Franchisees all across the country are taking advantage of this special benefit program. Call or e-mail us today to see if the UFPC 401(k) plan makes sense for you. For More Information, Please Contact: Larry E. Ricke, CLU, ChFC Ricke & Associates 425 Bank Street, P.O. Box 906 New Albany, IN 47150 Phone: 1-888-537-4253, (812) 944-4461 Fax: (812) 945-1328 lericke@finsvcs.com