7 things you should know about your retirement plan.

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1 7 things you should know about your retirement plan. We can help you get started. Prepared exclusively for

2 Schwan s Shared Services, LLC has asked us to provide you with retirement help. 1 Why get help? What we have heard from other investors: Let s get started. I don t know where to find help that I can trust. I m not sure I ll have enough to retire. I don t know if the investments that I have selected are right for me. I don t have time to research investments. I can t keep up.

3 2 What is retirement help? 3 Answers to your questions. Can it make a difference? Yes, professional investment management can make a difference. investments Did you pick the right investments? Are you taking too much risk? We can help manage your account from the risk of big losses. * 90% savings Are you saving enough? Are you leaving money on the table? We can point out your savings opportunities. Financial Engines recently studied more than 106,000 investors to see how J.P. Morgan Personal Asset Manager could help them. No investment advisor can guarantee results. Through this study, we found that more than 90% of people improve expected growth or reduce the risk of big losses when they join our program. * retirement income When can you retire? How much do you need to retire? We can give you an idea of what you could expect. * Expected growth refers to a comparison we have made to the investors portfolios, comparing the projected performance of the portfolios based on how J.P. Morgan would manage the accounts, against how the portfolios are projected to perform if they remain unchanged and if we did not manage them. The projected improvement is net of the applicable program advisory fees. Reducing the risk of losses refers to reallocations we may make in order to manage an investor s portfolio in a manner more appropriate for the level of risk intended for the portfolio. An example of a portfolio that could be inappropriate for risk is one with too much company stock. Our analysis included portfolios generated between September 1, 2004 and December 31, 2011, as part of our investment advisory services. The projected outcomes are based on Financial Engines forecasting methodology, which projects the likelihood of various investment outcomes that are hypothetical in nature, do not reflect actual results, and are not guarantees of future results. Your actual results may vary. *No investment advisor representative can guarantee results, but we can help by building a plan that is personalized to fit you.

4 What s the right help for you? 4 One solution does not work for everyone. You enjoy managing your retirement account. You are confident of the investment decisions you make. You actively adjust your plan to stay on track. Personal Online Advisor may be right for you. Unlimited access to powerful online retirement planning tools. or You prefer to partner with investment professionals. You want help getting on track and staying there. You can be highly involved or just occasionally check in. Turn to the next page to see how it works J.P. Morgan Personal Asset Manager may be right for you. A personalized plan and investment advisor representatives to talk to. Turn to the next page to see how it works When it comes to your retirement account, doing nothing may not be the best option. Investment professionals can help keep you on track. And that s exactly why we are here. We watch expenses carefully. Some funds cost more than others and our analysis takes this into account, this may help you avoid unnecessary costs that can eat into investment returns. Not sure which type of help is right for you?

5 Date Signature The details of how we re getting you on track for retirement. investment plan We plan to make changes to your ACME 401(k) account. We will start making these changes in the next few weeks. savings plan You are currently saving $9,000 per year and taking full advantage of you company match. retirement income plan If performance is average you may have $43,600 per year of income in retirement. 7 This does not include the suggested savings increase of r prepared for Jamie Branson Current age: 5 5 Retirement age: 65 Data as of: Sep 29, How does it all work? Here s what s behind our advice and what s in it for you. You do the work Do it yourself Personal Online Advisor Log on to Personal Online Advisor. You use our online tools to build your strategy. You get advice on a mix of funds that can include other accounts you tell us about. AVG PERFORMANCE POOR PERFORMANCE POTENTIAL LOSS Forecast $43,000 per year $26,800/yr 10.4% or more EXAMPLE ONLY You can log on anytime to see if you re on track. You request the transactions for your account. Emerging Markets Fund 17% Small Cap Growth 58% Intermediate Bonds 25% EXAMPLE ONLY You can get support by phone. You can sign up for Progress Reports. Enjoy Personal Online Advisor is available through your plan for no additional fee to you. Log on at retireonline.com, select the name of your plan, and click Get advice. We do the work Use investment professionals J.P. Morgan Personal Asset Manager Add J.P. Morgan Personal Asset Manager to my account. Add J.P. Morgan Personal Asset Manager. retirement plan We send a personalized plan to you. We put your plan into action. We routinely monitor your account and rebalance as needed. We can consider assets outside your account. We have investment advisor representatives you can talk to. We keep you informed with quarterly Retirement Updates. Relax Schwan s Shared Services, LLC has arranged for a program fee of about $5 a month for each $10,000 in your account, with discounts for balances over $100,000. You can cancel anytime without penalty. See fee details in the Q & A section of this guide. Not sure which type of help is right for you?

6 6 Who else is getting help? People just like you. 7 Who can help you with retirement? Our experienced investment professionals. J.P. Morgan and its affiliates bring a history of leadership in global financial services and investment management going back nearly two centuries. J.P. Morgan Retirement Plan Services serves nearly 200 employers like yours with more than 1.7 million retirement plan participants. When it comes to preparing for retirement, anyone can benefit from help. We believe everyone deserves personalized retirement help. Regardless of your goals, preferences, or age, we can help no matter what you earn or how much you ve saved. You already know us as the company that administers your Schwan Food Company Retirement Savings Plan account. Now, J.P. Morgan Institutional Investments Inc., with services powered by Financial Engines, offers professional investment advice through your plan. Financial Engines Advisors L.L.C. is an independent, registered investment advisor selected by J.P. Morgan Institutional Investments Inc. to provide subadvisory services. Financial Engines does not sell any investment products or receive commissions on any participant transactions.

7 Got a question? Other things you might want to know. Q: Why is my company offering retirement help from JPMII? A: So you can make the most of your retirement plan benefits. With J.P. Morgan Personal Asset Manager, you can get professional investment management for less than what you might pay on your own elsewhere. Or, you can access Personal Online Advisor at no additional cost to you. Q: Aren t the company and it s representatives already managing my account in The Schwan Food Company Retirement Savings Plan account? A: No. Schwan s Shared Services, LLC or it s representatives select a diverse mix of funds to offer in your plan s investment options, but it is your responsibility to make appropriate investment choices for your needs. JPMII can help you feel more confident about making those choices. Q: Do I have to give up control of my account? A: With Personal Online Advisor, it s up to you to decide whether to take our recommendations. With J.P. Morgan Personal Asset Manager, all of your money stays in your Schwan Food Company Retirement Savings Plan account, and we manage it for you. You ll continue to receive statements, check your balance, and adjust your savings rate just as you do today. You delegate the responsibility to us to take care of the investment and rebalancing transactions. If you change your mind and want to make transactions yourself, you can cancel anytime without penalty. Q: Is my personal information kept private? A: Your privacy is important to us. JPMII will not sell, reveal, or share your personal information with third parties, except with your permission, as disclosed to you, or as authorized by law. Q: What s the difference between J.P. Morgan Personal Asset Manager and Personal Online Advisor? A: If you re already managing your account through retireonline.com, Personal Online Advisor is a self-service way to get objective advice. You have to implement its personalized recommendations on your own and check back regularly for updates. But if that doesn t sound like you, or if you re not sure you re making good decisions, you may be interested in having investment professionals monitor and manage your account for you. The J.P. Morgan Personal Asset Manager program is a full-service way to get ongoing, independent investment management for your account.

8 Q: How does J.P. Morgan Personal Asset Manager work? A: J.P. Morgan Personal Asset Manager adjusts your investment risk over time to help you stay on track for retirement. J.P. Morgan Personal Asset Manager also gives you customized advice with a personalized portfolio that you can tailor to your specific needs. For example, you can request more or less risk than your peers, make sure your Schwan Food Company Retirement Savings Plan holdings stay in balance with investments you hold outside the plan, or specify how much company stock you want. Plus, you get quarterly progress reports, and toll-free access to investment advisor representatives when you have a question. Q: How much does J.P. Morgan Personal Asset Manager cost? A: Schwan s Shared Services, LLC has arranged for a program fee that is about 30% lower than what you might pay on your own.* It s easy to get started. Personal Online Advisor is available by logging on to your account at retireonline.com. Select the name of your plan and click Get advice. To add J.P. Morgan Personal Asset Manager, visit retireonline.com, or call To reach a representative, enter your Social Security number and press 0 (zero) followed by the # (pound) key when prompted for a password. The TDD number for those with a hearing impairment is PORTION OF ACCOUNT ANNUAL RATE MONTHLY AMOUNT ** Up to $100, % $5.10 per $10,000 Between $100,000 & $250, % $3.82 per $10,000 Over $250, % $2.55 per $10,000 The program fee is paid from your account, so there is no bill to pay and no reduction in your take-home pay. It s easy to add to your account and you can cancel anytime without penalty. * The industry average is based on the annual AdvisorBenchmarking Study. The Study found that on average, Registered Investment Advisors (RIA) charge 0.92% or about $7.67/mo per $10,000 and require a minimum balance of $250,000. J.P. Morgan Institutional Investments Inc. (JPMII) has no minimum balance requirement (except for nominal amounts, as needed operationally to manage the account). 30% fee comparison assumes management of a $100,000 account. Industry average fees shown are subject to change. The AdvisorBenchmarking Study is based upon online surveys of 427 self-selected RIA firms from February to May Investment Advisor services vary. Some advisors in the Study may provide different services than JPMII. ** J.P. Morgan Personal Asset Manager fees are charged in the frequency and manner detailed in the Terms and Conditions; monthly fee examples are for illustrative purposes only.

9 Investment Advisor Representatives Call Business days, 7 a.m. to 8 p.m. CT J.P. Morgan Institutional Investments Inc. (JPMII) has hired Financial Engines Advisors L.L.C. (FEA) to provide sub-advisory services. JPMII is a federally registered investment advisor. FEA, a federally registered investment advisor and wholly-owned subsidiary of Financial Engines, Inc., is an independent company that is not affiliated with J.P. Morgan Retirement Plan Services LLC or JPMII. Neither JPMII, FEA or its affiliates guarantee future results. Financial Engines is a registered trademark of Financial Engines, Inc. All other marks are the exclusive property of their respective owners Financial Engines, Inc. All rights reserved. Used with permission. J.P. Morgan Retirement Plan Services LLC provides plan recordkeeping and administrative services. CPY JPM-SCW-GD-V2-RE-AI

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