1. NAAHHR September 24, 2010

3. Investment Allocation 9/30/09 8/31/10 AHRP Capital Preservation $851 M$920 M Fidelity Freedom Funds (6)$174 M$248 M Vanguard 500 Index$187 M$191 M Fidelity Balanced$113 M$120 M Harbor Mid Cap Growth$ 57 M$ 60 M All Others (19 funds)$519 M$573 M TOTAL $1,901 M $2,112 M

5. Investment Changes - 2011 Freedom on the “5’s” – adding the 2015, 2025, 2035, and 2045 Fidelity Freedom Funds to the current investment options Pimco Total Return Fund (PTRAX) to replace the American Funds Bond Fund of America

6. Retirement Income Option Living-Benefit Annuities Combine the guaranteed element of an insurance contract with the flexibility and control of an investment account. Our objective is to make available contracts through the retirement plan with lower administrative costs and more favorable pricing than once could obtain through the individual commercial market.

7. Auto Enrollment PARTICIPATION RATE SUCCESS STORIES 12/20068/2010 Regional Average 49% 66% FH Zephyrhills 52% 86% 12/20088/2010 Regional Average 63% 66% Shawnee Mission MC 64% 76%

8. QUESTIONS AND ANSWERS