2. A Presentation on the 529 College Funding Plan through Payroll Deduction New Horizon Financial Corp. 320 Palisade Avenue Bogota, NJ 07603 201-489-1118 www.newhorizonfinancial.com Why a 529 for Your Company

3. “The great aim of education is not knowledge, but action.” Herbert Spenser (1820 - 1903) “If you think education is expensive, Try Ignorance!!!” Andy McIntyre Quotes

4. What Is A 529 College Savings Plan? It’s a qualified tuition plan operated according to section 529 of the Internal Revenue Code that allows contributors to take advantage of generous tax breaks while saving for a designated beneficiary’s future education.

5. Benefits to Contributors No Federal Income Taxes on Growth of Funds. Absolute Control Over the Account. Flexible Beneficiary Criteria. Low Minimum Enrollment, High Contribution Limit. Asset Allocated Models Available.

6. Benefits To Employer No Fee To Setup Through Payroll Deduction. A Value Added Benefit for your employees. An easy way for employers to share in their x children’s educational growth.

7. Hero When you establish this plan for your employees and their children, this is how they see you!

8. Why New Horizon Financial? New Horizon Financial is a investment firm that prides itself on its relationship with their clients. We know that SERVICE is important to your business! We know that SERVICE in important to our business!

9. Our Commitment to your Firm Enrollment meetings to get the program in place. Workshops for the employees explaining the advantage of the 529 plan for College Funding. On-site reviews for all participants to the plan at least every 6 months at NO COST to the employer. Timely response to organizing new member meetings.

10. Look Around Challenge your current 401k plan provider for this type of service for a 529 plan. Call another investment firm and ask them if they provide regularly scheduled follow- ups for your small to medium sized business at no cost for 529 plans.

11. It Doesn’t Hurt to Ask The is no obligation for an initial discussion. Meet with one of our staff to decide if this type of plan is right for your company. Ask your employees if this type of VALUE ADDED BENEFIT is something they would like.

12. Results

13. Other Services We Provide Retirement Plans for Small to Medium Sized Businesses. Mutual Funds. Annuities. Workshops for Rollover Investing. Individual Retirement Accounts.

14. For any questions or comments please call (201) 489-1118 Thank you from New Horizon Financial 320 Palisade Avenue Bogota, NJ 07603 www.newhorizonfinancial.com

15. Disclosures *Securities offered through Cadaret, Grant & Co., Inc. Members NASD and SIPC 110 West Fayette Street Syracuse, NY 13202 315-471-2191 New Horizon Financial and Cadaret, Grant and Company are separate entities