1. 1 "For distribution to Plan Sponsors only"

2. 2 Overview Vantage401(k) features include:  Investment Offering: Over 18,000 funds from 450 fund families, separately managed accounts, exchange traded funds and self directed brokerage accounts  Investment Education & Retirement Planner: An interactive web-based self help tool that explains the potential risks and rewards of investing and guides the participant through a detailed risk assessment and retirement planning session  Strategy Builder: Offers portfolio strategy recommendations to participants using an automated Monte-Carlo simulation based on their individual input and risk tolerance score  Record-keeping & Compliance Administration: provide daily record- keeping, discrimination testing, and IRS/DOL reporting to ensure plan compliance with IRS and DOL regulations  Client Support: Access to Plan/Participant account information via the web, voice response unit (VRU), and toll free client service center "For distribution to Plan Sponsors only"

3. 3 Benefits Vantage401(k) is a turn-key retirement plan product that combines an open architecture platform with complete back-office record-keeping and compliance administration. Vantage401(k) benefits include:  Automation (utilizing Integrated systems)  Open Architecture Platform  zero commissions or transaction charges  Record-Keeping & Compliance Administration  Single source provider  Fiduciary support tools  Participant Client Service Center "For distribution to Plan Sponsors only"

4. 4 Automation Vantage401(k)’s automation provides:  Employer online access to  Participant demographics  Plan reports & Plan documents  Census/Contribution upload and reconciliation  Automated signature ready 5500  Employee online access to  Education  Retirement planning  Enrollment  Account management  Quarterly Statements  Integrated Systems  Retirement administration system (including DB plans)  Trust accounting system  Documentation system  Spending accounts (FSA, HSA, HRA) admin system  Online enrollment system "For distribution to Plan Sponsors only"

5. 5 Open Architecture Vantage401(k)’s Open Architecture includes:  Access to over 18,000 funds from 450 Fund Families  Separately Managed Accounts  Unitization capabilities for ETF portfolios  Self Directed Brokerage Account (optional)  Allows the plan sponsor and advisor to select best in class investments that better serve the participants needs "For distribution to Plan Sponsors only"

6. 6 Record-keeping and Compliance Administration Record-keeping Administration  Determine eligibility, calculate and allocate contributions, distributions, forfeitures, and gains & losses  Trade, Reconcile, and Value participant accounts daily  Provide weighted account balances and census audit trails  Loan processing  Reporting Compliance Administration  Plan design consultation  Plan documentation  Compliance testing including ADP/ACP, IRC 415 & 416, Age Weighted and New Comparability, and 401(a)/410(b)  Signature ready form 5500 "For distribution to Plan Sponsors only"

7. 7 Fiduciary Tools Vantage401(k)’s Fiduciary Tools provide: Advisors and Plan Sponsors with an evaluation, implementation, and review process that offers long- term added value and assists fiduciaries in fulfilling their duties. Vantage401(k)’s Fiduciary Support Tools include:  Formal written Investment Policy Statement (IPS)  Fund Source - fund selection, monitoring, and reporting tool  Unbiased participant investment menu  408(b)(2) (Plan Sponsor) and 404(a)(5) (Participant) fee disclosures  Annual Plan Review "For distribution to Plan Sponsors only"

8. 8 Participant Client Service Center Provides Participants access to knowledgeable Client Service Representatives  Plan Q&A  Enrollment Support  Account Management Support Acts as an extension of Client’s HR Department  Removes High Call Volume from HR department  Provides access to audio files (recorded calls) and CRM service notes for incident escalation

9. 9 Value Proposition for Plan Sponsors  Open architecture platform:  control over the investment options  seeks to reduce participant litigation due to lack of options  Complete fee transparency:  Refund all 12b-1, SubTA, and Shareholder Service fees back to the Plan account  Neither Custodian, Record-keeper, nor Advisor participate in revenue sharing  Level Compensation Platform simplifies 408(b)(2) and 404(a)(5) disclosures  Removes conflicts of interest  Unbiased guidance:  Level compensation platform for Custodian, Record-keeper, and Advisor  Compliant with 408(g)  Paperless platform:  for enrollment, account management, and record keeping  Client Support:  Convenient, user friendly system accessible via Internet, Voice Response Unit (VRU) and toll free Client Service Center "For distribution to Plan Sponsors only"

10. 10 Disclaimer © 2011 Vantage Benefits Administrators, all rights reserved. This publication is distributed with the understanding that the publisher and distributor are not rendering legal, accounting or other professional advice and assume no liability whatsoever in connection with its use. "For distribution to Plan Sponsors only"

11. 11 "For distribution to Plan Sponsors only"