The document discusses the benefits of adding 401k administration to an existing ADP payroll relationship, including saving time, money, and reducing risks. It claims companies can save 50-80 hours per year of HR time and thousands in fees. It also says automation reduces errors compared to manual processes. The document then provides details on ADP's 401k administration services, including education support, automated account features to help participants save and invest, investment options and screening processes, and a sample conversion timeline.

1. Save Time, Save Money, Reduce Risk

2. What Adding 401k Admin to Your ADP Relationship Means To You– Save Time, Save Money, Reduce Risk Save Time Add 401k admin to ADP Payroll = Save Human Resources Professionals 50-80 hours/year. Save Money A 100 Employee Company paid $11,631 in 2007 plan admin fees. In your ADP plan, your employees will pay $6382 : saving $5249 per year. Over 20 years, at 6% interest, you give your employees $220,401 . Reduce Risk Automation = lower risk of human/data errors. Your ADP plan = improving/documenting processes = acting as a “Prudent Person”.

3. ADP Retirement Services - Service, Processes, Clarity Service To Your Company as Plan Sponsor Consolidate Payroll & 401k = Additional time to focus on your operation Proactive support from your service providers = don’t go it alone Service To Management, and Staff as Plan Participants Dedicated Education Specialists = Reminding your team why they’re here Account access and management tools = smarter savers Investment Services: Great Processes Identify The Best Funds World-class investments and no proprietary fund requirements Customized Investment Policy and Committee documentation Local Financial Advisory Team Smooth, Surprise-Free Conversion Process Seamless transition from old to new plan Clear communication throughout with management and team

4. Plan Sponsor Services - Payroll Integration = Go from 8 Players to 2 Non-ADP approach The ADP advantage Payroll Integration: Seamless, Fast, Accurate “ Focus on what matters” Who at Your Company is responsible for the manual process of transferring critical information to multiple organizations? Time & Brain Power Consuming $ Better Spent on Mission Critical Issues Risks of Delays and Errors

5. Dedicated Education Specialist Education and Enrollment meetings at least twice per year in person, webinar, and “teleconference” (available in multiple languages). Interactive education seminars help improve retirement planning decision-making. Specialists represent you to your employees as they reinforce what a great retirement plan benefit you give to Your Team * Education Specialists are registered representatives of ADP Broker-Dealer, Inc., an affiliate of ADP, Inc., One ADP Boulevard, Roseland, NJ 07068-1728; member FINRA, SIPC Participant Services - Knowledge is Power

6. Account management tools Automatic Account Rebalancing Allows participants to elect to have their account automatically rebalanced on a quarterly, semiannual, or annual basis Save Smart ® Enables participants to increase their plan contribution automatically by 1, 2, or 3 percent annually on the date they choose Managed Account Access to managed account services for participants who prefer the guidance of investment professionals Self Directed Brokerage Account For sophisticated investors who want more independence Participant Services – Stay on track with automation & features

7. Investment Services - Plan Getting the best investments Due-diligence Processes And Quantitative “Filters” Lead To Best In Class Investments Minimum performance history of five years Trailing three- and five-year returns that are above the median for its peer group At least $100 million in assets under management An annualized expense ratio that is competitive within its peer group No Hidden Fees (front- or back-end “sales charges”, group annuity fees, etc.) No “Style Drift” QUANTITATIVE CRITERIA

8. Investment Services - Participants Help making appropriate choices This information is not intended or should be construed as investment advice. There are risks associated with investments in mutual funds. Before selecting funds for your plan, please review the fund’s prospectus which details important information about the fund’s risks, objectives, fees and expenses. Obtain a prospectus from your sales associate. Lifestyle/Lifecycle funds -Age-based -Risk-based Money Market/Stable Value US Fixed Income Investment Grade US Large Cap Equity (Blend) US Small Cap Equity (Blend) Int’l Large Cap Equity (Blend) Bond High Yield Fixed Income US Equity US Large Cap Growth US Large Cap Value US Mid Cap Growth Discount service brokerage option through State Street Global Markets, LLC Specialty asset classes provide investors with opportunities for narrowly focused and more speculative investment objectives add depth to a portfolio utilizing more specialized investment categories satisfy diversification across the investing universe Int’l Mid/Small Growth Int’l Mid/Small Value Sector Asset Classes Real Estate Equity Technology US Mid Cap Value US Mid Cap Blend International Global Equity Int’l Large Growth Int’l Large Value Specialty Asset Classes Socially Responsible Equity Treasury Inflation Protected Security (TIPS) Bonds Non-core asset classes Core asset classes Lifecycle / Lifestyle funds Self- directed brokerage account

9. Client receives conversion reconciliation reports for authorization October 27 +12 days Receipt of documents for preliminary review July 15 - 90 days Receipt of client-executed documents in good order August 15 - 60 days *** Assets mapped and invested at Plan Level October 15 Day 0 Call Center open to participants for Plan- and fund-level information August 25 - 50 days Prior recordkeeper forwards test conversion file September 15 - 30 days Conversion Preparation Phase Plan Setup and Testing Asset Transfer and Data Conversion First contributions processed October 25 +10 days Live conversion data received October 23 +8 days Plan established on recordkeeping system August 20 - 55 days Blackout notices to participants/ Beneficiaries must be provided August 31- September 11 44 to - 32 days Implementation meeting July 20 - 85 days *** Initiate employee communications & education process Payroll call conducted August 30 – 45 days Blackout period begins with prior recordkeeper October 1-13 14 to - 2 days Voice System and Participant Web site live November 8 +22 days The beginning of the blackout period depends on the requirements of the prior recordkeeper. The blackout period typically ends within 10 business days after receiving complete and accurate data from them provided that all assets have been received from prior trustee/custodian so that reconciliation can be properly performed. Ninety Day Conversion Process – Where we go from here Step By Step Implementation Timeline: No Surprises