New Tools for Creating Positive Impact in Your Company's 401(k)

1. New Tools for Creating Positive Impact in Your
Company’s 401(k)

2. Employee Engagement
via 401(k) plans
• 638,000 plans, worth $3.8 Trillion
• Participation: 87% (73 mm of 88 mm)
• Average employee saves = 6.8% of pay
• Employers match averages = 4.5% of pay
• Tool for investing for retirement tax deferred
• Tool for educating/engaging on
sustainability

3. 1st
In Country
Rhode Island Society of CPAs
Sustainable Value Committee
Robert Mancini, RISCPA President
Committee Members:
Michael Kraten, PhD., CPA Providence College Committee Chair
Joy Pettirossi-Poland, MS President Building Bridges Consulting,
Founder MVP Program, Committee Member, Business Liaison
Kevin Papa, CPA Piccerelli Gilstein Committee Member
Kenneth J. Sanginario, Corporate Value Metrics CPA, MST, MSF,
CMAP, CTP, CVA, ABV, CM&AA Committee Member
Michael Tousignant, CPA KLR Committee Member
Committee Consultants:
Mary Adams, Founder Smarter Companies, Principal Corporate Metrics Consultant to committee
Paul Herman, CEO HIP Investor, Principal Investment Consultant to committee
Building Bridges 2012 Copyright 2012 All Rights Reserved

4. Triple Bottom Line:
People Planet Profit
= Prosperity
Sustainable Business & Investment Models
Private Sector Business/CPA Firms
Joy Pettirossi-Poland, Founder & Consultant
Building Bridges 2012
Copyright 2012-2015 All Rights

5. © 2006-2015 HIP Investor Inc.
17%
32%
68%
80% 84%
What are the intangibles in that 84%?

6. Using your 401(k) plan to:
Engage Employees
Increase Participation %
Contribution $ Rates
and Increase your Bottom Line
2012 Copyright Building Bridges
2012 -2015 All Rights Reserved
401(k) MVP Assessment & Education
+ HIP Ratings for Sustainability & Impact
The MVP 401(k) Know What You Own
Education Program™

7. ESG Portfolio Education
Sustainable Investing Centers on Analyzing Both Financial
(Tangible) and Off-Balance Sheet (Intangibles) Assets
PROFIT DRIVEN
Financial Data:
Tangibles
• Earning Growth
• Price/Earnings
Ratio
• Return on Equity
• Operations
• Cash Flow
• Risk Management
PEOPLE DRIVEN
Human Eco Social
Data: Intangibles
• Management ~ Leadership
• Health ~ Wellness
• Wealth ~ Benefits, CEO Pay
Competitive, Stakeholders
• Earth ~ Carbon Efficiency
Natural Resource Intensity
• Equality ~ Culture, EE’s
• Trust ~ CSR/Brand
SASB ~ Materiality
Disclosures
Profit +
People +
Planet =
Prosperity
Get a baseline of your employees understanding of their 401(k) investments
and what is generating Value & Risk
Benefits the
Whole
Building Bridges 2012 Copyright
2012 - 2015 All Rights Reserved

8. • High level of understanding of how
investments impact you personally
• Desire to do good with investing
• If I could see the impact of my 401(k)
investment choices quantified I would
contribute more to my plan
401(k) Participant Surveys
~ Baseline & Feedback
Yes 18%
No 62%
Maybe 20%
Yes 69%
No 13%
Maybe 17%
Yes 33%
No 36%
Maybe 31%

9. Profit People Plan
Are you interested
in growing
your bottom line?
Do you have
Millennial and GenX
employees aged
20 to 48 years?
Is your 401k Plan
struggling to meet its
testing requirements?
Are you wanting to
effectively increase
employee engagement?
Do you need
to attract and hire
new talent?
Do you want to
ensure your fiduciary
responsibility with your
401(k) plan?
Do you want to
increase your market
share and attract more
customers?
Do you need to blend
cultural differences and
harness value from the
cultural shifts
happening in today’s
businesses?
Do you want to
increase your 401(k)
plan contribution $ and
plan participation % ?
Do you want to
maximize your founder
contributions to your
401K plan for your own
retirement?
Is your younger
workforce not
interested in investing
in your 401k plan?
Are you looking for
strategies to enhance
plan performance and
mitigate future risk?
2012 Copyright Building Bridges 2012
-2015
Maximize the Benefits of offering a 401(k)

10. -5
0
5
10
15
20
25
-5 0 5 10 15 20 25 30 35
Money Market US Equity Small Cap US Equity Mid Cap US Equity Large Cap Equity Real Estate Global Equity Emerging Markets
US Fixed Income High Yield Fixed Income Inflation Linked Global Fixed Income Allocation All Funds
Employees Can Use Color-Coded HIP Ratings of
401(k) Choices to Assess Future Risk, Return and Impact
CONFIDENTIAL ©
2006-2014 HIP Investor
RETURNS:
Annualized
5- Yr Returns*
RISK: Standard Deviation
of 5-Year Returns*VALUE: size of circles relative to $ Invested in Fund
IMPACT: color of circles:
Green = higher IMPACT
Yellow = medium IMPACT
Red = lower IMPACT
* Past 5 years, as of 8/31/2013; HIP Scores (2011/12)
Source: XYZ 401(k); Morningstar; HIP Investor Scores

11. CONFIDENTIAL © 2006-2014 HIP Investor Inc.
XYZ's Retirement Plan: HIP Scoring of Return, Risk and Impact
Name of Fund Global Broad
Category
Global Category Morning-
star
Rating
Total Ret
Annlzd 5 Yr
(Daily) USD
Std Dev 5 Yr
(Qtr-End)
USD
Tentative HIP
Score
Nationwide Money Market Instl Money Market US Money Market * 0.10 0.14 54.8%
Oppenheimer International Bond A Fixed Income Global Fixed Income 4 4.38 10.27 54.8%
Neuberger Berman High Income Bond A* Fixed Income High Yield Fixed Income 1 4.49 12.11 26.4%
Principal High Yield A Fixed Income High Yield Fixed Income 4 9.84 11.45 38.0%
PIMCO Real Return Instl Fixed Income Inflation Linked 4 4.69 8.80 69.6%
American Century ShDur Infl Prot Bd Intl Fixed Income Inflation Linked 4 4.06 6.62 69.0%
Prudential Total Return Bond A Fixed Income US Fixed Income 4 7.22 5.10 64.5%
PIMCO Total Return Instl Fixed Income US Fixed Income 4 6.58 4.41 69.7%
TCW Total Return Bond N Fixed Income US Fixed Income 5 8.50 3.77 71.4%
Eaton Vance Floating Rate A Fixed Income US Fixed Income 3 5.32 10.78 33.9%
TCW Total Return Bond I Fixed Income US Fixed Income 5 8.80 3.80 70.1%
Principal Short-Term Income A Fixed Income US Fixed Income 3 3.51 2.09 50.7%
Nationwide Bond Index A Fixed Income US Fixed Income 2 3.89 3.64 69.6%
Delaware Extended Duration Bond A Fixed Income US Fixed Income 4 11.86 12.17 69.6%
Wells Fargo Advantage Emerg Mkts Eq A Equity Emerging Markets Equity 4 5.21 25.14 36.4%
Lazard Emerging Markets Equity Open Equity Emerging Markets Equity 4 3.36 27.83 36.7%
Aberdeen Global Equity A Equity Global Equity 3 4.93 21.62 49.0%
American Funds Capital World G/I R6* Equity Global Equity 3 10.02 20.26 48.4%
American Funds EuroPacific Gr R6* Equity Global Equity Large Cap 3 8.88 21.85 46.7%
Thornburg International Value I Equity Global Equity Large Cap 4 3.87 20.52 47.4%
Harbor International Instl Equity Global Equity Large Cap 4 5.12 25.04 51.2%
Oppenheimer International Growth A Equity Global Equity Large Cap 5 7.77 21.80 43.6%
DWS RREEF Global Real Estate Secs A Equity Real Estate Sector Equity 2 4.00 26.74 26.2%
Invesco Real Estate A Equity Real Estate Sector Equity 3 4.71 29.08 24.3%
Fidelity Advisor Real Estate A Equity Real Estate Sector Equity 2 5.59 35.04 22.6%
DFA US Large Company I Equity US Equity Large Cap Blend 4 8.42 18.39 51.5%
Nationwide S&P 500 Index Svc Equity US Equity Large Cap Blend 3 7.75 18.44 43.8%
Nationwide Inv Dest Agrsv Svc Equity US Equity Large Cap Blend 2 6.51 19.56 41.0%
*Calc'd 4.25yr Return **Calc'd 4.75yr Return ***Calc'd 2.75yr Return & Std Deviation
+ Window funds are owned byparticipants who chose to use the "open window"
Source: XYZ retirement plan info; Morningstar database results; HIP Investor scoring and analysis
IMPACTRISKRETURNASSET CLASS

12. 401 (k) Employee Impact Allocation
You can make a difference with your investments
Your Goals:
Performance AND Impact; How YOU can be an IMPACT Investor
1. Your Investing GOALS (e.g. school, house, wedding, kids, retirement, parental care)
INVESTMENT GOAL: Use of Funds Amount $$$ By Year Yrs Away
$ 20__
$ 20__
$ 20__
HOW MUCH IMPACT AND HOW MUCH PROFIT? – 2X2 OF A PORTFOLIO
HEALTH WEALTH EARTH EQUALITY TRUST
Employee
Wellbeing
Scored for
Impact
Carbon/Natural
Resources
Diversity/Leadership
EE Engagement
Transparency/CSR
Sustainability Reports
___% ___% ___% ___% ___%
2. Your ASSET ALLOCATION: Investments Categorized for Risk-Return Potential
Very low risk;
Very low return
Low risk;
Low return
Medium risk;
Med. return
High risk;
High return
Very high risk;
Very high return
Preserve
principal safely
Generate
current income
Blend income
and growth
Seek long term
growth
Aggressively invest
and speculate
___% ___% ___% ___% ___%
CASH & CDs BONDS REAL ESTATE STOCKS NEW VENTURES
Your Investments:
You can pick your impact
and reward companies
by investing in the ones
that:
1. Are focused on
mitigating risk
2. Achieve strong CSR
(corporate social
responsibility),
striving to help solve
problems for society
3. Seek strong financial
performance at the
same time
2012 Copyright Building Bridges 2012
All Rights Reserved

13. MVP Bank Partner & Sponsor:

14. Sustainable Brands
Impact Rated 401(k)

15. Who is EBS?
• Strategic Sustainability Consultants
to the Real Estate Industry
• Financially driven recommendations
• Mission Driven Organization
• Purpose maximizers as well as profit
maximizers
• Fast-growth oriented company

16. Why an Impact Rated 401(k)?
• Employee engagement
• Authenticity: align ALL business
practices with Mission & Vision
• Leadership: 1st
organization to do this
company-wide
• Transparency

17. Calvert Short Duration Income I Short-Term Bond CDSIX ★ ★ ★ ★ 2.26 77%
Vanguard Short-Term Inv-Grade Adm Short-Term Bond VFSUX ★ ★ ★ ★ 2.24 79%
Praxis Intermediate Income I Intermediate-Term Bond MIIIX ★ ★ ★ 2.03 67%
Vanguard Total Bond Mkt Index Signal Intermediate-Term Bond VBTSX ★ ★ 1.57 78%
Vanguard Interm-Term Treasury Adm Intermediate-Term Bond VFIUX ★ ★ ★ 0.76 85%
Vanguard Interm-Term Bond Index Signal Intermediate-Term Bond VIBSX ★ ★ ★ 1.43 79%
DFA Inflation-Protected Securities I Intermediate-Term Bond DIPSX ★ ★ ★ ★ 0.90 85%
Calvert High Yield Bond I High Yield Bond CYBIX ★ ★ ★ 2.38 57%
Parnassus Equity Income - Inv Large Blend/Growth PRBLX ★ ★ ★ ★ 1.51 71%
DFA US Large Company I Large Blend/Growth DFUSX ★ ★ ★ ★ 1.44 67%
Vanguard Total Stock Mkt Idx Signal Large Blend/Growth VTSSX ★ ★ ★ ★ 1.44 74%
Calvert Equity I Large Blend/Growth CEYIX ★ ★ ★ 1.34 76%
DFA US Sustainability Core 1 Large Blend/Growth DFSIX ★ ★ ★ ★ ★ 1.40 69%
DFA US Large Cap VALUE I Large Blend/Growth DFLVX ★ ★ ★ ★ ★ 1.35 76%
Vanguard Mid Cap Index Signal Mid Blend VMISX ★ ★ ★ ★ ★ 1.43 52%
Ariel Appreciation Investor Mid Blend CAAPX ★ ★ ★ ★ 1.25 59%
DFA US Small Cap I Small Blend DFSTX ★ ★ ★ ★ ★ 1.34 39%
DFA US Targeted VALUE I Small Blend DFFVX ★ ★ ★ ★ 1.26 43%
DFA Global Real Estate Securities I Specialty - Real Estate DFGEX ★ ★ ★ ★ ★ 1.28 59%
Calvert Global Water Y Foreign Large Value/World Stock CFWYX ★ ★ ★ ★ ★ 1.25 66%
DFA International Small Company I Foreign Large Value/World Stock DFISX ★ ★ ★ 1.13 68%
DFA Intl Sustainability Core 1 Foreign Large Value/World Stock DFSPX ★ ★ ★ ★ 0.92 79%
Vanguard International GROWTH Adm Foreign Large Value/World Stock VWILX ★ ★ ★ 0.95 75%
DFA International Small Cap VALUE I Foreign Large Value/World Stock DISVX ★ ★ ★ 1.05 71%
DFA Emerging Markets I Foreign Large Value/World Stock DFEMX ★ ★ ★ 0.76 60%
DFA International VALUE I Foreign Large Value/World Stock DFIVX ★ ★ ★ 0.84 81%
DFA Emerging Markets Core Equity I Foreign Large Value/World Stock DFCEX ★ ★ ★ ★ 0.78 58%
DFA Emerging Markets VALUE I Foreign Large Value/World Stock DFEVX ★ ★ ★ 0.69 57%
Name Overall
HIP IMPACT Rating
Relative to
Industry SectorsCategory Ticker
5-Year
Morningstar
Rating
5-Year
Sharpe
Ratio
© 2006-2015 HIP Investor Inc. 17
EBS: Our 401(k) Fund Choices PROFIT IMPACT IMPACT + PROFIT
* Past 5 years, as of 5/31/2014; HIP Scores (2012/13)
Source: EBS 401(k); Morningstar; HIP Investor Ratings

18. How’d we do it?
• Go to 401(k) University
• Find the right partners
• Find even better partners
• The rest is in the results!

19. What happened?
NATIONAL
(USA average)
EBS Before
(2013)
EBS After
(2014)
EBS After
(2015)
PARTICIPATION RATE = "WHO"
TOTAL FIRM 76% - 87.5% 14.3% 92.9% 100.0%
MILLENIALS (age 20 to 34) 21% 10.0% 90.9% 100.0%
GEN-X (age 35 to 49) 71% - 85% 33.3% 100.0% 100.0%
CONTRIBUTION RATE = "HOW MUCH"
TOTAL FIRM 6.8% - 8% 1.6% 5.1% 7.1%
MILLENIALS (age 20 TO 34) 5.9% 2.1% 5.4% 8.4%
GEN-X (age 35 to 49) 7.4% 0.2% 4.3% 4.2%
EBS 401(k) Enhanced Engagement
Source: EBS employee census; HIP Investor analysis

20. Sustainability Initiatives,
Including Our 401(k)
2015-2016

23. 2015 Sustainability Initiatives & Outcomes
• Rooftop solar panels  reduced electric costs by 60%
• Sustainable 401(k) plan to help employees invest smartly
– MVP Educated staff on future risk, performance drivers & impact
– HIP Rated 38 fund choices on net impact & future risk/return
– Discovered our top suppliers are in our 401(k)’s mutual funds
• Giving back to the community
– Fundraising for Hudson AMVET’s Home Alone program, and
– Interfaith Hospitality Network (IHN) of Worcester

24. CONFIDENTIAL © 2006-2015 HIP Investor Inc. 24* Past 5 years, as of 7/31/2015 HIP Scores (2013/14)

25. CONFIDENTIAL © 2006-2015 HIP Investor Inc. 25* Past 5 years, as of 7/31/2015 HIP Scores (2013/14)

26. CONFIDENTIAL © 2006-2015 HIP Investor Inc. 26* Past 5 years, as of 7/31/2015 HIP Scores (2013/14)

27. 2015-2016 Sustainability Goals
• Enhance and improve 401(k) plan
– Increase participation %, contribution $, and employee
engagement using MVP + HIP 401(k) sustainability program
– Add, drop and re-align 401(k) funds
to include more sustainable and impact investing options
• Energy efficiency
– Voluntary reporting to CDP Carbon Disclosure Project
– Commitment to being completely LED in our facility by 2016
• Packaging
– Reduce and re-use packaging inbound and outbound
from suppliers and for customers
• Annual sustainability report for customers & suppliers

28. Commitment to our Customers
• Be the best supply chain partner in the
industry
• Continue to educate our employees to
invest sustainably – especially in our
customers in our 401(k) plan choices
• Host educational forums (i.e. CDP) on the
importance of sustainability to the bottom
line, to risk mitigation and to the planet

35. Sustainability Ratings Help 401(k) Investors
Understand Impact + Future Risk
CONFIDENTIAL © 2006-2015 HIP Investor Inc.* Past 5 years, as of 6/30/2015; HIP Scores (2013/14)
Source: Fourstar 401(k); Morningstar; HIP Investor Ratings
RETURNS:
Annualized
5-Yr Returns*
RISK: Standard Deviation
of 5-Yr Returns*
VALUE: size of circles is fund size (USD)
IMPACT: color of circles:
Green = higher IMPACT
Yellow = medium IMPACT
Red = lower IMPACT
Color-coded HIP Ratings
weighted by each fund’s
holdings’ RELATIVE
Industry Rank
HIPHIP
RatingRating