401(k) Retirement. Powered by. The 401(k) Retirement Plan for You and Your Employees. Lower Cost. Less Paperwork. Less Worry KEY FEATURES

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1 401(k) Retirement Powered by The 401(k) Retirement Plan for You and Your Employees MyFuture 401(k) Multiple Employer Plan (MEP) allows you to offer a high-quality, full-featured retirement plan at a lower cost -- with less paperwork and less worry. KEY FEATURES Professional plan services and oversight One point of contact a local investment advisor who will provide onsite education and enrollment services Flexible plan design Reduced fiduciary liability Lower Cost Less than $45 per month for a Chamber member No setup fee Economies of scale lowers plan costs Less Paperwork Your local investment advisor will come to your office sign you up and enroll your employees Required annual compliance testing and preparation of Form 5500 is handled for you You and your employees can access everything online Lower administrative burden Annual compliance testing and preparation of Form 5500 Institutional grade investment options, including risk-based portfolios Participant website with online tools, calculators, and investment materials Less Worry MyFuture removes you as the plan sponsor and trustee, transferring key responsibilities to plan professionals Tailored to your needs. A wide range of plan design features are available Investment options are institutional grade, including professionally managed risk-based portfolios Fiduciary liability is significantly reduced MyFuture401K.com or

2 401(k) Re rement Powered by the Chamber of Commerce My Future 401(k) Plan is a qualified retirement plan that enables employers to offer a retirement plan, which is built on a model of shared services. These shared services include a common: record keeper, investment menu, Third Party Administrator, ERISA attorney, Plan Administrator, Trustee & Fiduciary, and Investment manager. The value proposition for Plan Sponsors is to: Lower the Cost Lessen the Administrative Burden Mitigate Fiduciary Risk The Multiple Employer model of the My Future 401(k) Plan allows us to leverage economies of scale and provide a number of key services that would not be available in a competitive cost structure, except for on very large plans. These services include the transfer of fiduciary risk to the greatest degree allowed by law, elimination of up to 95% of the administrative duties associated with a plan, professional management of the investment menu, and participant access to the investment management team. This makes the 401(k) experience easier, faster, and incredibly efficient. Local Boutique Service Lower Cost Administrative Ease Reduced Fiduciary Liability

3 Key Parties and Responsibilities My Future 401(k) plan solution is a fully-integrated retirement planning solution with each of the following team members working together to make the program successful: FutureBenefits of America Recordkeeper and TPA Fiduciary Doctors Fiduciary and Trustee Integrity Financial On-site Advisor MidAtlantic Custodian Employer Sponsor The Group Trust Strategy Fiduciary and Trustee Recordkeeper and TPA Custodian On-Site Advisor Responsible for managing the plan and operates as Plan Fiduciary Maintains plan records, website, statements and testing requirements Holds all plan assets in a Master Trust and processes all transactions Provides on-site participant education and enrollment assistance

4 Plan Fiduciary & Trustee Fiduciary Doctors operates as Fiduciary and Trustee of the plan, exercising flexible authority of plan assets in addition to the overall management of the 401(k) plan. As an ERISA 3(21) fiduciary, Fiduciary Doctors has total responsibility for the operation and oversight of plan functions while other fiduciary roles such as investment direction and administration can be delegated to third-party service providers. As Plan Administrator, primary responsibilities include ensuring all filings with the government (Form 5500, etc.), delivery of plan disclosures to participants and operating the plan according to the plan document. Recordkeeper & Third Party Administrator FutureBenefits of America serves as recordkeeper and third party administrator for the plan. As recordkeeper, FutureBenefits of America processes all payroll uploads and provides plan administrative services including, tracking participant eligibility and vesting, managing the website, operating the call center and providing participants with quarterly statements. FutureBenefits of America is responsible for setting-up new adopters into the Plan and managing the conversion of assets from prior plans. Plan Custodian Mid Atlantic Trust Company operates as custodian over the investment assets inside the retirement plan. This highly cost-effective and efficient system allows all participant purchases, sales, and exchanges to be executed through the convenience of a single source and held in a single account. The Mid Atlantic platform offers both ETF and mutual funds investment options. They also provide a comprehensive fund database enabling participants to screen, monitor, and track performance on their investments.

5 ERISA Attorney The Wagner Law Group is a nationally recognized ERISA, employee benefits, executive compensation and estate planning practice. Established in 1996, The Wagner Law Group has 20 attorneys engaged exclusively in employee benefits and estate planning law. Five of their attorneys are AV rated by Martindale-Hubbell as having very high to preeminent legal abilities and ethical standards. The firm is among the largest ERISA boutiques in the country. The practice is national in scope, with clients in more than 45 states and several foreign countries. Wagner Law Group is dedicated to using their proven expertise to provide clients with solutions to the problems they face in a constantly changing and complicated legal environment. Financial Advisor Integrity Financial Corporation serves as the financial advisor on the plan. Implementing a 401(k) plan is an important decision that should incorporate a thoughtful process. Designing a plan that meets the unique needs of owners is equally as important as providing a plan that incentivizes employee retention and participation. As a fee-based, independent Registered Investment Advisor, IFC specializes in providing business owners with holistic strategies and a dedicated support team to simplify the complex process of qualified retirement plans. Their personalized employee education program includes on-site group enrollment meetings and one-on-one financial planning ensuring each participant understands the benefit being offered and receives customtailored investment advice.

6 Self-Directed Investments My Future 401(k) Plan offers all participants the ability to build their own asset allocation models. Additionally, they are provided on-site assistance from a local investment advisor. Participants can also select a portfolio strategy from the risk managed list or the age-based portfolios. This allows participants to customize their investment choices to coincide with their individual risk tolerance and investment goals. The ETF and mutual fund choices cover a wide and diverse set of stock and bond categories and styles. Each quarter, these individual options are benchmarked against industry standards to confirm that they are competitive within their peer group in terms of short, medium and long term performance. Expenses are also considered in this process. The plan trustee has the ability to make changes to plan investments choices, when funds show weak relative performance over 3-4 consecutive quarters.

7 Participant Access and Tools Whether participants are on the move, or relaxing at home, access to a rich set of online tools will complete their investment experience. From historical performance, to personalized rate-of-return reporting, participants can stay current within an ever changing landscape of financial investments.

8 Plan Expenses Adopting Employer Expenses Setup & Conversion Fee: $0 Annual Administration Fee - Chamber Member: - Non-Member $500 $600 Participant Expenses Custody & Recordkeeping/TPA Fees - Future Benefits of America & Mid Atlantic Trust: - Annual Account Fee: (paid by participant) Partner Fees - Summit Trust Company: - Integrity Financial Company: One-Time Fees - Termination & Withdrawals: - Loan Setup: 0.45% $ % 1% $50 $50 401(k) Re rement Powered by the Chamber of Commerce

9 Plan Expenses Adopting Employer Expenses Setup & Conversion Fee [All Employers] $0 Annual Administration Fee Your 401(k) Retirement Solution Powered by the Clay County Chamber of Commerce Chamber of Commerce Member $500 Self-Directed Investments My Future 401(k) Plan offers all participants the ability to build their own asset allocation models. Additionally, they are provided on-site assistance from a local investment advisor. Participants can also select a portfolio strategy from the risk managed list or the age-based portfolios. This allows participants to customize their investment choices to coincide with their individual risk tolerance and investment goals. The ETF and mutual fund choices cover a wide and diverse set of stock and bond categories and styles. Each quarter, these individual options are benchmarked against industry standards to confirm that they are competitive within their peer group in terms of short, medium and long term performance. Expenses are also considered in this process. The plan trustee has the ability to make changes to plan investments choices, when funds show weak relative performance over 3-4 consecutive quarters. Participant Access and Tools Whether participants are on the move, or relaxing at home, access to a rich set of online tools will complete their investment experience. From historical performance, to personalized rate-of-return reporting, participants can stay current within an ever changing landscape of financial investments. Non-Member $600 Participant Expenses Custody & Recordkeeping/TPA Fees Future Benefits of America & Mid Atlantic Trust Annual Account Fee (paid by participant) Partner Fees 0.45% $35 Fiduciary Doctors 0.10% Integrity Financial Company 1% One-Time Fees Termination & Withdrawals $50 Loan Setup $50 401(k) Retirement Powered by the Clay County Chamber of Commerce MyFuture401k.com Reduced Fiduciary Liability My Future 401(k) Plan is a qualified retirement plan that enables employers to offer a retirement plan, which is built on a model of shared local boutique services. Lower Cost Administrative Ease Local Boutique Service

10 The Multiple Employer model of the My Future 401(k) Plan allows us to leverage economies of scale and provide a number of key services that would not be available in a competitive cost structure, except for on very large plans. These services include the transfer of fiduciary risk to the greatest degree allowed by law, elimination of up to 95% of the administrative duties associated with a plan, professional management of the investment menu, and participant access to the investment management team. This makes the 401(k) experience easier, faster, and incredibly efficient. Key Parties and Responsibilities My Future 401(k) plan solution is a fully-integrated retirement planning solution with each of the following team members working together to make the program successful. The Group Trust Strategy includes: Plan Fiduciary & Trustee Fiduciary Doctors operates as Fiduciary and Trustee of the plan, exercising flexible authority of plan assets in addition to the overall management of the 401(k) plan. As an ERISA 3(21) fiduciary, Fiduciary Doctors has total responsibility for the operation and oversight of plan functions while other fiduciary roles such as investment direction and administration can be delegated to thirdparty service providers. As Plan Administrator, primary responsibilities include ensuring all filings with the government (Form 5500, etc.), delivery of plan disclosures to participants and operating the plan according to the plan document. Fiduciary & Trustee Fiduciary Doctors Responsible for managing the plan and operates as Plan Fiduciary Recordkeeper & Third Party Administrator FutureBenefits of America serves as recordkeeper and third party administrator for the plan. As recordkeeper, FutureBenefits of America processes all payroll uploads and provides plan administrative services including, tracking participant eligibility and vesting, managing the website, operating the call center and providing participants with quarterly statements. FutureBenefits of America is responsible for settingup new adopters into the Plan and managing the conversion of assets from prior plans. Plan Custodian Mid Atlantic Trust Company operates as custodian over the investment assets inside the retirement plan. This highly cost-effective and efficient system allows all participant purchases, sales, and exchanges to be executed through the convenience of a single source and held in a single account. The Mid Atlantic platform offers both ETF and mutual fund investment options. They also provide a comprehensive fund database enabling participants to screen, monitor, and track performance on their investments. Financial Advisor Integrity Financial Corporation serves as the financial advisor on the plan. Implementing a 401(k) plan is an important decision that should incorporate a thoughtful process. Designing a plan that meets the unique needs of owners is equally as important as providing a plan that incentivizes employee retention and participation. As a fee-based, independent Registered Investment Advisor, IFC specializes in providing business owners with holistic strategies and a dedicated support team to simplify the complex process of qualified retirement plans. Their personalized employee education program includes onsite group enrollment meetings and one-on-one financial planning, ensuring each participant understands the benefit being offered and receives custom-tailored investment advice. ERISA Attorney The Wagner Law Group is a nationally recognized ERISA, employee benefits, executive compensation and estate planning practice. Established in 1996, The Wagner Law Group has 20 attorneys engaged exclusively in employee benefits and estate planning law. Five of their attorneys are AV rated by Martindale-Hubbell as having very high to preeminent legal abilities and ethical standards. The firm is among the largest ERISA boutiques in the country. The practice is national in scope, with clients in more than 45 states and several foreign countries. Wagner Law Group is dedicated to using their proven expertise to provide clients with solutions to the problems they face in a constantly changing and complicated legal environment. Sponsor Employer Recordkeeper & TPA FutureBenefits of America Maintains plan records, website, statements and testing requirements Custodian MidAtlantic Holds all plan assets in a Master Trust and processes all transactions On-Site Advisor Integrity Financial Provides on-site participant education and enrollment assistance

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