2. If offered to contribute $50 to your 401(k)… Would you take it?

4. Proprietary and Confidential, SaveAmerica LLC Why SaverNation Americans can’t afford to save for retirement* 27% say they have less than $1,000 in savings 54% say they have less than $25,000 in total savings and investments National Savings rate has been near 0% for 30+ years Only 10% in any income strata contribute the annual maximum For 30 years, the retirement industry has attempted to change people’s saving and spending behavior. * 2010 EBRI Databook on Employee Benefits Why nothing has worked: People don’t have enough money to save more Hard to change people’s behavior 75% of respondents say The #1 reason they don't save more: They can't afford to EBRI's annual Retirement Confidence Survey 1 2

5. The 401(k) system has been a dud for the vast majority of Americans, with women, young people and minorities among the broad groups whose financial well-being is at risk because they’re not saving enough. For middle-income earners, the median balance in 401(k) plans as of 2010 was a lowly $23,000, according to the study.

7. The SaverNation Program is Patent Pending Proprietary and Confidential, SaveAmerica LLC

8. Cash Back for Retirement with Every Purchase Online Shopping Program Credit Card Program Payroll SaverNation Technology Platform 401(k) IRA

9. The SaverNation Program is Patent Pending Proprietary and Confidential, SaveAmerica LLC $4,000 gross income -$200 401(k) contribution $3,800 adjusted gross -$950 taxes (25% rate) $2,850 available cash $200 401(k) savings $4,000 gross income $3,650 adjusted gross -$913 taxes (25% rate) $2,737 take-home pay +$150 extra in checking acct. $2,887 available cash $350 401(k) savings -$200 401(k) contribution $2,850 take-home pay -$150 SN 401(k) contribution +$150 cash back from online purchases deposited into checking account More Savings and More Cash Paycheck Before SaverNation Cash Back Earned with SaverNation Paycheck with SaverNation

10. How the average person can increase their retirement savings with sssssssssss Savings Before Savings After Amount people currently have saved in their retirement plan 1 Potential additional contributions from cash back rewards using SaverNation 2 Total amount people could save for retirement using SaverNation $71,500 $130,913 $202,413 1 The average 401(k) account balance per Fidelity Investments, February 23, 2011 2 Assumes average monthly SaverNation purchases of $500 at a 5% reward level, 8% annual return, and 50% match over 40 years The SaverNation Program is Patent Pending Proprietary and Confidential, SaveAmerica LLC

11. The SaverNation Program is Patent Pending Proprietary and Confidential, SaveAmerica LLC SaverNation Benefits No costs to the plan, employer or participants Increases participation and contribution rates Works with all plans Can help plan’s ADP testing

12. The SaverNation Program is Patent Pending Proprietary and Confidential, SaveAmerica LLC

13. The SaverNation Program is Patent Pending Proprietary and Confidential, SaveAmerica LLC

14. The SaverNation Program is Patent Pending Proprietary and Confidential, SaveAmerica LLC

15. The Program Cash back for your 401(k) with every purchase Christy Noel christy@savernation.org (424) 223-5153 The SaverNation Program is Patent Pending