TAKE CONTROL OF TOMORROW...TODAY WHO WE ARE AND HOW WE DO IT CHRISTIAN ZERNICH JOHN R. SINCLAIR

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1 WHO WE ARE AND HOW WE DO IT TAKE CONTROL OF TOMORROW...TODAY Securities offered through LPL Financial, member FINRA/SIPC. advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor and a separate entity from LPL Financial. It is not our position to offer legal or tax advice. Securities and variable products are not NCUA insured deposits, not insured by any federal government agency, not guaranteed by any credit union and may go down in value. Copyright 2006, Executive Benefits Solutions. All rights reserved. CHRISTIAN ZERNICH JOHN R. SINCLAIR 1603 Carmody Ct., Suite 300 Sewickley, Pennsylvania Toll Free Voice & Fax or Cell or christian.@ebstoday.com john@ebstoday.com Take Control of Tomorrow... Today

2 EXECUTIVE BENEFITS SOLUTIONS COMMITMENTS TO YOU HELPING YOUR CREDIT UNION TAKE CONTROL OF TOMORROW... TODAY Provides consultation on executive benefits and employee benefits funding programs to Executive Management Team and Board of Directors of Credit Unions, including committees assigned with these tasks. Consults with the Credit Union s attorney to prepare legal documents necessary to implement plans*. Collaborates with the Credit Union, its attorney and accountant to arrive at benefit solutions that are both legally sound and tax appropriate*. Assists the Credit Union s internal accounting department and external auditors to properly account for executive benefits plans and employee benefits pre-funding programs*. Informs the Credit Union of legislative and tax law changes that might affect its plans. Provides plan participant statements of investment activity on a monthly basis. Offers educational support to plan participants and Board Members on the executive benefits and employee benefits funding programs. Provides periodic reviews of executive benefits and/or employee benefits pre-funding programs. EXECUTIVE BENEFITS *It is not our position to offer legal or tax advice.

3 Christian Zernich EXECUTIVE BENEFITS SOLUTIONS 1603 Carmody Ct., Suite 300 Sewickley, Pennsylvania Toll Free Ext. 501 Voice & Fax Cell As a financial advisor, Chris an Zernich has over 19 years of experience as an Execu ve Benefits Specialist in the specialized market of Non-Qualified Deferred Compensa on for Key Execu ves. He also helps credit unions offset their employee benefit obliga ons by implemen ng Employee Benefits Pre-Funding Programs. Chris an established his organiza on, Execu ve Benefits Solu ons (EBS), early in his career while affiliated with CUNA Mutual Life Insurance Company where he began working with Execu ves in the credit union marketplace. With his growing prac ce, Chris an moved his affilia on to Lincoln Financial Advisors in 2004 and, a er achieving more success as one of the top financial planners in 2011, he partnered with Stratos Wealth Partners, Ltd., an independent wealth management and investment advisory firm, whose representa ves are affiliated with LPL Financial, the na on s largest independent brokerage firm*. This partnership made it possible for EBS to integrate top industry resources, products and technology, in order to improve their clients overall experience. Chris an and his wife, Noleen, reside in Sewickley, PA with their three children, Evan, 16, Gabrielle, 14 and Jackson, 11. He is a YMCA community volunteer who also coaches baseball, football, and basketball. OUR SERVICES Employee Benefits Pre-Funding 457(F) Supplemental LTD Key Person Life Insurance CREDIT UNION Split-Dollar Life Insurance Long Term Care Insurance Securi es offered through LPL Financial, member FINRA/SIPC. advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor and a separate en ty from LPL Financial. It is not our posi on to offer legal or tax advice. Securi es and variable products are not NCUA insured deposits, not insured by any federal government agency, not guaranteed by any credit union and may go down in value. Copyright 2006, Execu ve Benefits Solu ons. All rights reserved. *Based on total revenues, as reported in Financial magazine, Broker-Dealer Data June With Chris an s ability to take advantage of the design and advanced product capabili es, he can deliver superior customized services to his clients. As an affiliate of an open-architecture system, he can be more flexible with more choices and more solu ons for his client s individual needs. He has access to a leading a orney in the non-qualified market and access to the top moneymanagers, actuaries and human resources consultants in the industry. As a Non-Qualified Deferred Compensa on prac oner and his vast experience working with Credit Union execu ves all over the country, Chris an is well-qualified to provide the exper se required for all situa ons. It is this exper se which makes him unique and above and beyond his compe on.

4 John R. Sinclair EXECUTIVE BENEFITS SOLUTIONS 1603 Carmody Ct., Suite 300 Sewickley, Pennsylvania Toll Free Ext. 501 Voice & Fax Cell John is a 29-year experienced registered representa ve and holds licenses and creden als that allow him to offer services in the many facets of financial planning, pension, and profit sharing re rement plan work. His prac ce focuses on estate and financial planning as well as assis ng re rement plan par cipants in making informed decisions regarding their planning objec ves. John expanded his prac ce by joining Execu ve Benefits Solu ons, focusing on Employee Benefits Pre-Funding for Credit Unions. In 2011, his success in the credit union marketplace and the opportunity to provide his clientele with more services and resources influenced his decision to join LPL Financial, the na on s #1 independent brokerage firm in the na on, for 14 consecu ve years.* His professional accomplishments have included Producer of the Year for Pi sburgh s Lincoln Financial Advisors Regional Office, consistent membership in Lincoln's pres gious President's Cabinet, a ainment of Million Dollar Round Table, Na onal Quality Award and Na onal Sales Achievement Award. In 2011, John was invited to join Lincoln s pres gious, The Resource Group. John has a Bachelor of Science from the U.S. Naval Academy and re red from the Navy Reserve at the rank of Captain (06) with 30 years of service. He is a Boy Scouts of America Assistant Scout Master, a High School Varsity Lacrosse Coach, treasurer for High School Boosters Associa on, a Charter Trustee of the Northland Public Library Founda on, ac ve with local naval organiza ons, founded the annual Pi sburgh Naval Fleet week, and ac ve in his church community. John and his wife, Janet, and son, Eric, reside in Bradford Woods, PA. OUR SERVICES Employee Benefits Pre-Funding 457(F) Supplemental LTD Key Person Life Insurance CREDIT UNION Split-Dollar Life Insurance Long Term Care Insurance Securi es offered through LPL Financial, member FINRA/SIPC. advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor and a separate en ty from LPL Financial. It is not our posi on to offer legal or tax advice. Securi es and variable products are not NCUA insured deposits, not insured by any federal government agency, not guaranteed by any credit union and may go down in value. Copyright 2006, Execu ve Benefits Solu ons. All rights reserved. *Based on total revenues, as reported in Financial magazine, Broker-Dealer Data June Execu ve Benefits Solu ons specializes in the area of Non-Qualified Deferred Compensa on for Key Execu ves and implementa on of Employee Benefits Pre- Funding Programs for credit unions. Execu ve Benefits Solu ons provides consulta on on Execu ve Benefits programs to the Board of Directors of Credit Unions and consults with the Credit Union s a orney and accountant to arrive at benefit solu ons that are both legally sound and tax appropriate. Execu ve Benefits Solu ons informs the Credit Union of legisla ve and tax law changes that might affect its plan while con nuing to offer educa onal support and periodic reviews. This assures par cipants and Board Members that their Execu ve Benefits Plans are recrui ng and rewarding Key Execu ves to maintain the ongoing success of the Credit Union.

5 WHATHAT WE DO EXECUTIVE BENEFITS PLANNING & EMPLOYEE BENEFITS PRE-FUNDING EXECUTIVE BENEFITS PLANNING Your Credit Union is successful because of the employees you have hired and retained. You have come to depend on them, and they, in turn, depend on you. Yet, traditional benefits may not be enough to retain your key employees. Flexibility is the hallmark of an executive benefits plan. In fact, you can establish a plan that provides benefits for one or more key persons, or a select group of management executives, with different plans for different individuals. Executive Benefits Solutions can show you how executive benefits planning allows you to reward superior performance, provides extra incentive, and attracts and retains key people. EMPLOYEE BENEFITS PRE-FUNDING PROGRAM The pre-funding of employee benefits could be the way to provide relief against mounting benefits costs. The NCUA (National Credit Union Administration) Regulation amendment dated April 24, 2003 along with the opinion letter dated November 24, 2004 and the most recent NCUA opinion letter on funding potential employee benefit plan obligations under Regulation dated December 15, 2006 states that: A Federal Credit Union may purchase an otherwise impermissible investment to fund an employee benefit obligation as long as, among other regulatory limits, there is a direct relationship between the investment and the employee benefit obligation it serves to fund. * The pre-funding of employee benefit costs helps retain valuable employees in today s competitive environment. Most importantly, pre-funding helps offset future benefits costs and can potentially impact the Credit Union s Return on Assets (ROA) as well as help toward providing more stability for the financial management of the Credit Union. Employee Benefits Pre-Funding is a strategy that can help you offset eligible long-term employee benefit expenses as: Health Care Expenses 401(K) Match Contributions Dental Program Expenses Pension Contributions Vision Program Expenses Long Term Disability Premiums Long Term Care Insurance Premiums Short Term Disability Premiums Post Retirement Health Care Group Life, AD&D Insurance Premiums Health Savings Account Contributions Long Term Disability Premiums Avoid decreasing your employee benefits coverage, increasing deductibles and raising co-pays by considering an Employee Benefits Funding Program for your credit union. Executive Benefits Solutions (EBS) has developed a turnkey platform to help you pre-fund the credit union s employee benefit obligations. We can help you analyze your current benefit situation and plan a pre-funding strategy, working closely with you and your examiners to help make your plan federally and/or state regulatory compliant, while striving to help you make the suitable investment funding choices for your situation. *Source: National Credit Union Association (Regulations, Legal Opinions and Laws)

6 HOWOW WE DO IT AREAS OF PLANNING, PRODUCTS AND SERVICES Executive Benefits Solutions can help you build a comprehensive executive benefits and/or employee benefits pre-funding program by providing you with extensive experience and access to a variety of insurance, registered investment advisor and brokerdealer services and products in the following areas: 457(f) Plans Business Succession Employee Benefits Pre-Funding Supplemental Long Term Disability Split-Dollar Life Insurance Key-Person Life Insurance These strategies could incorporate any of the following sample themes: INSURANCE AND ANNUITY PLANNING Through our affiliation with Stratos Wealth Partners, and its affiliation as a general agent with a variety of insurance companies, we offer a full portfolio of high-quality variable annuity and life products. INVESTMENT PLANNING Portfolio Analysis Asset Allocation Manager Searches Policy Statements WE ALSO REPRESENT COMPANIES WITH DIVERSE PORTFOLIOS OF FINANCIAL PRODUCTS, INCLUDING: Life Insurance We have access to a variety of services and products offered by many high quality companies in the insurance and annuity industry. We fully understand the importance of implementing your plan with products offering protection, performance and flexibility to customize your long-term retirement investment needs as well as ensuring preservation of capital. Whole Life, Universal Life, Variable Life, Single Life, Survivorship Life, Term Life and Annuities. LPL Financial, a broker-dealer and Stratos Wealth Partners, a registered investment advisor offer securities brokerage capabilities and access to strategic asset allocation, professional money management, and a diversified portfolio of quality investment products to support the implementation of a sound investment strategy. Our entrepreneurial environment strongly focuses on accepting rewards only when we create value for others. Our role focuses on three main areas of activity: Leadership. By providing direction, we can help identify where dangers can be eliminated and new opportunities lie and how progress and success can be achieved. Relationship. We provide our clients the highest level of service, delivering to them encouragement, support and a sense of financial certainty. Creativity. We continually deliver new tools, structures and systems for dealing creatively with global change.

7 VALUEALUE ADDEDDDED SERVICESERVICES With years of experience, Executive Benefits Solutions has a system in place which enables us to work well with third parties such as our clients attorneys, accountants and other advisors. We see our role as that of a crossdisciplinary coordinator; accessing clients through these arrangements is a large part of our culture. We know how to make these arrangements work for all parties. Executive Benefits Solutions delivers superior service to our clients by bringing together the complementary skills and talents of individuals and organizations to create strategic relationships necessary to provide cutting edge client care environment. This environment cannot exist without the value that quality relationships bring. EXECUTIVE BENEFITS SOLUTIONS Resource Allocation Center Financial Fee Based Accumulation Conservation Distribution Portfolio Analysis Asset Allocation Manager Searches Policy Statements Securities Brokerage Performance Reporting Insurance Services Life DI Long Term Care Split-Dollar Group Insurance Executive Benefits Business Succession Executive Compensation Issues Executive Benefit Plans Development of Exit Strategy Retention Issues Pre-Funded Employee Benefits Employee Benefits Analysis Due Diligence Choice of s/ Asset Manager Ongoing Service & Support Advanced & Design Legal* Accounting* Support Retirement Qualified Plans 401(k)s Qualified Plan Distribution Tax Deferred Annuity Plans Estate Gift & Estate Tax Strategies Multigenerational Asset Valuation Discount Techniques Remainder Interest Transaction Charitable Asset Protection Marketing Relationships Credit Unions CPAs Stock Brokerage Associations Law Firms CREDIT UNION DRIVEN RESOURCE DRIVEN Executive Benefits Solutions is an organization committed to providing you with clear, understandable information so you can make financial decisions that are right for you and your organization helping you Take Control of Tomorrow... Today. Our process proceeds through two primary steps: first, to fully understand and analyze the specifics of the Credit Union s executive benefits planning and employee benefit funding situation, and second, to provide the information, advice and alternatives needed to make the best possible solutions. Our Executive Benefit Plans and Employee Benefits Pre-Funding Programs are designed to help meet the Credit Union s unique needs, circumstances and objectives. You will find that working with Executive Benefits Solutions is a unique experience. Our planning process puts the emphasis on you and your needs, not on a pre-packaged set of solutions or ideas. We are committed to providing you the information you need to make timely, informed decisions. The benefits of this approach are quickly apparent you enjoy a greater understanding of the impact of various options and are better positioned to make the best choices. EXECUTIVE BENEFITS *It is not our position to offer legal or tax advice. SOLUTIONS Securities offered through LPL Financial, member FINRA/SIPC. advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor and a separate entity from LPL Financial. It is not our position to offer legal or tax advice. Securities and variable products are not NCUA insured deposits, not insured by any federal government agency, not guaranteed by any credit union and may go down in value. Copyright 2006, Executive Benefits Solutions. All rights reserved.

8 EXECUTIVE BENEFITS SOLUTIONS - WHERE IT ALL COMES TOGETHER Shared Values Securities offered through LPL Financial, member FINRA/SIPC. advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor and a separate entity from LPL Financial. It is not our position to offer legal or tax advice. Securities and variable products are not NCUA insured deposits, not insured by any federal government agency, not guaranteed by any credit union and may go down in value. Copyright 2006, Executive Benefits Solutions. All rights reserved. CHRISTIAN ZERNICH JOHN R. SINCLAIR Executive Benefits Solutions 1603 Carmody Ct., Ste. 300 Sewickley, Pennsylvania Toll Free Ext. 501/502 Voice & Fax or Christian@EBSToday.com John@EBSToday.com