1. "For distribution to Plan Sponsors only"

2. How many third party administrators are involved with your benefits offering at this time? Do you have access to a single database, which can provide online ad hoc reporting across all lines of benefits? Is your enrollment and administration system completely paperless? Are your current carriers and/or TPA’s providing their services with a completely transparent cost structure? Contemplate The Following… "For distribution to Plan Sponsors only"

3. Vantage:  is a single point of contact third party administrator that seeks to reduce time and money that companies spend managing their employee benefits  replaces the need for multiple third party administrators which can increase cost  all administration services can be offered “a la carte”  fees are fully disclosed to the client (transparency)  provides a simple yet sophisticated and secure web portal, for both participants and HR staff "For distribution to Plan Sponsors only" Why Vantage?

4. Vantage provides a comprehensive web-based solution for benefit administration configured to fit your needs:  Allowing companies to operate in a “green”, environmentally friendly manner  Eliminating enrollment forms  Eliminating data entry; which causes common input errors  Reduces time and manpower required to track down incomplete and illegible enrollment forms  Eliminates storage requirements for documents  Seeks to reduce potential for HIPAA violations  Participant and HR access via web or benefits call center "For distribution to Plan Sponsors only" Why Vantage? (continued)

5.  Benefit eligibility, enrollment, and administration via the self-service web portal or toll free client service center  Retirement plan record keeping and compliance administration  Medical and dental claims administration  Wellness program targeting catastrophic claims reduction  Section 125 Cafeteria (FSA/Commuter) administration  HRA and HSA administration for CDHP (consumer driven health plans)  COBRA administration services  Voluntary benefits enrollment and customer service  Premium billing & Reconciliation Vantage Administration Services "For distribution to Plan Sponsors only"

6. Vantage Benefits Administrators www.VantageBenefits.com Marketing Dept: (800) 337-8005 Email: Marketing@VantageBenefits.com VBA’s Benefits Platform "For distribution to Plan Sponsors only" Paperless Enrollment & Eligibility via Web and Call Center Vantage401(k) 403(b), 457 -Transparent Fee Structure -Open Architecture Investment Offering -Refund 12b-1, SubTA, & Service Fees -Administration -Compliance Health Administration -Eligibility -Premium Billing Reconciliation -Self Funded Claims Admin -Multiple Provider Networks -Audit Recovery Services Wellness -Health Risk Assessment -Biometrics -Lab Work -Targeted Engagement -Claims Analysis -Coaching Spending Accounts FSA, Commuter, HSA, & HRA -Deductions -Claims Reimbursement -Debit Card -Compliance Administration Voluntary Benefits -Accident -Critical Illness -Cancer -Disability -Life -Auto & Home -EAP -Prepaid Legal COBRA -Eligibility -Enrollment -Billing -Collection -Reporting to Employer

7. Vantage offers professional client services and timely administration for the following:  Vantage retirement platform supports 401(k), 403(b), 457, and Defined Benefit plans  provides a transparent fee structure  all revenue sharing fees are deposited back into the Plan account.  unbiased investment offering  no proprietary fund requirement  assist plan fiduciaries in meeting their fiduciary duties  efficient internet web-based platform for enrollment, record keeping, and account management  Compliant with regulatory requirements associated with sections 404a(5), 408(g), and 408b(2) Vantage Retirement Administration "For distribution to Plan Sponsors only"

8. Vantage offers professional client services and timely administration for the following:  Healthcare administration of both fully Insured and self funded plans including dental and medical claims administration, and premium billing reconciliation  Wellness Program that seeks to reduce catastrophic claims utilizing personal targeted engagement with the participant based upon a health risk assessment, biometrics, lab work, and claims analysis Vantage EBP Administration "For distribution to Plan Sponsors only"

9. Vantage offers professional client services and timely administration for the following:  Flexible Spending Accounts, Section 125/132 cafeteria plans administration managing deductions, claims reimbursement, and debit card provisions for qualified purchases  COBRA administration including eligibility, enrollment, billing, and collection  Voluntary Benefits, which are represented by diverse insurance coverage's such as accident, critical illness, cancer, disability, pre- paid legal, term life, and vision Vantage EBP Administration (continued) "For distribution to Plan Sponsors only"

10. Vantage Benefits Administrators Process VBA can provide the independent expertise needed to assist advisers and their clients in creating and implementing a complete benefits package, focusing on controlling costs while educating the employees as to the value of the overall benefits package.

11. "For distribution to Plan Sponsors only" Vantage Benefits Administrators Process (continued) VBA’s Five-Step service approach:  Analyze current benefit programs  Design a quality benefits package that supports current business initiatives  Source benefit providers that fulfill established objectives  Implement products and administration services using a branded communication strategy  Manage daily administration and ongoing customer service

12. Reduce:  Plan(s) administration fees  HR time spent on daily changes and updates  Multiple benefits administrators  Data input errors  Tracking down incomplete or illegible enrollment forms  Multiple carrier applications  Document storage Vantage Delivers Results! "For distribution to Plan Sponsors only" Add:  One stop shop (single point of contact)  Full transparency of plan costs  One website and call center for annual enrollment  Fiduciary tools  Access to real time data  Custom ad hoc reporting for HR

13. Questions & Answers For additional support please contact VBA’s Marketing Department: Office: (800) 337-8005 email: Marketing@VantageBenefits.comMarketing@VantageBenefits.com web: www.VantageBenefits.comwww.VantageBenefits.com "For distribution to Plan Sponsors only"