RETIREMENT PLAN SOLUTIONS

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1 RETIREMENT PLAN SOLUTIONS

2 At One Capital Management, we have one clear mission: to help you manage a cost-efficient retirement plan solution that fits your objectives and helps your employees save for their future. OCM partners with you, as plan sponsor, to save you time and money. We know you have a business to run, so we help you manage your fiduciary duty for the plan, and act as your advocate through expert guidance and a comprehensive suite of retirement plan services: Plan Design Plan Design Consulting Plan design analysis & benchmarking vs. industry/peers Recommendations aligned with company objectives Service Provider Management Service provider fee analysis & benchmarking Client advocate & liaison, document changes Investments Investment Selection & Consulting Create and monitor your Investment Policy Statement Focus on low-cost ETF risk-based and target date fund portfolios Fiduciary Oversight Fiduciary service - act as 3(21) Fiduciary and 3(38) Investment Manager Process documentation & annual audit oversight Education Participant Education & Communications Education strategies to engage, increase participation & saving rates Information access via website, telephone support and collateral Exceptional Service We re dedicated to providing exceptional service, whether you re creating a new plan, converting an existing one, updating your investment menu, reviewing fees or ensuring your plan is up-to-date. Our streamlined process and expertise will guide you each step of the way. Defined Contribution 401(k) Plans 403(b) Plans Profit Sharing Plans Individual 401(k) Defined Benefit Pensions Cash Balance Plan New Comparability Plan Call us at or to get started, or visit for more information.

3 Contents 1 Our Process 2 Plan Design Consulting 3 Investment Solutions 4 Fiduciary Oversight 5 Participant Communications 6 Our Clear Mission

4 1 Our Process With increased regulatory pressure on Plan Sponsors to provide a cost-efficient retirement plan that is in the best interest of employees, our streamlined process has you covered. In an effort for greater fee transparency, the Department of Labor passed regulations that require service providers to the plan to disclose their fees to plan sponsors (starting July 2012) and to participants (starting August 2012). What does this mean to you? The DOL s mandatory disclosures will raise awareness of a plan s fees and expenses, which in turn may invite scrutiny of the overall plan s investments and services to determine if they are reasonable. With evolving regulations and increased litigation, it s critical to have a documented process in place to ensure you, as plan sponsor, meet your fiduciary duty under the Employee Retirement Income Security Act (ERISA). That fiduciary duty includes providing a cost-effective plan that is in the best interest of your employees. Did you know 71% of workers polled for AARP believed that they did not pay any fees for their 401(k) plan. MSN Money Is your 401(k) ripping you off?, GAO Study Our Process Ensures Your Plan Meets Fiduciary Requirements Annual Review Annual plan review and compliance reports/documentation; plan tune-up as needed. Assist Employees Annual enrollment meetings and one-on-one as needed to encourage plan participation and offering investment education or advice to participants. Benchmark Study Compare your current plan vs. industry/peers in plan design, investment and service provider fees. Review Plan Design Based on benchmarking, determine plan changes aligned with company goals; document decisions. Select/Monitor Investments Select and monitor investments as 3(21) Fiduciary and 3(38) Investment Manager; document decisions.

5 2 Plan Design Consulting We understand the importance of encouraging employees to participate in their financial futures. By creating, benchmarking and monitoring cost-efficient plans we will help your employees retire ready. Are Your Employees In the Plan - and Saving Enough? Plan participation is the first step to saving, but encouraging them to save enough to meet their needs in retirement is critical. Having auto features in place (auto-enrollment, auto deferral increases and annual re-enrollment) can help your employees save. Our benchmark study will show you how your plan compares to industry peers to keep your recruiting and retention efforts competitive. Are the Plan Fees Reasonable? High service or investment fees can impact your business bottom line and erode your and your employees - nest egg over time. And, with the Department of Labor s new fee disclosure rules, it s more important than ever to benchmark your plan to check fees: Plan Sponsors: ERISA Section 408(b)(2) requires service providers to provide up-front fee disclosures and updates within 60 days after changes Participants: ERISA Section 404(a) requires plans to provide quarterly statements of fees paid from participant accounts Did you know Over 90% of participants want more guidance on how to make sure their money lasts through retirement, with 57% stating that they would like plan sponsors to take a more active role helping them meet this goal. Did you know BlackRock 2011 DC Survey As fiduciaries of the plan, plan sponsors should have a process in place to ensure you and your participants are receiving these disclosures, and that the plan fees are reviewed and deemed reasonable. We help manage this for you. How We Help You: Comprehensive Benchmarking Study We ll compare your existing plan vs. industry peers to check investment and service fees, plan participation and overall plan design, annually. Analysis & Recommendations We ll provide analysis and recommendations for plan design, investment or service provider changes in alignment with your plan objectives. TPA/Record Keeper Management We ll help you understand the fees providers charge for their services, and act as your advocate for any necessary changes. Documentation We ll ensure you have the right process and documentation in place to meet your fiduciary requirements.

6 3 Mid Cap Investment Solutions Strategic Retirement Portfolios We re focused on providing efficient, diversified investment models that are easy for participants to understand and choose from. Our strategies are based on risk tolerance, rate of return and time horizon to retirement. Mid Cap Mid Cap US Micro CapSmall Cap Small Cap At One Capital, we build customized globally balanced portfolios beginning with a belief Emerging Markets that portfolio structure is the single most important element to a successful US Midcreating Cap retirement portfolio. 12/31/94-12/31/ % 12/31/94-12/31/08 Did you know Investment14.08% management 6.54% fees make up the bulk of total 401(k)6.54% expenses. Through 5 risk-based models, ranging from conservative to aggressive (in risk profile) via a blend of active management of global equity and fixed income ETFs, participants can invest in portfolios that are diversified across global geographic regions, asset classes and sectors. MSN Money (4.70%) Is your 401(k) RISKyou = 23.88% (4.70%) GAO Study ripping off?, RISK = 23.88% Wealth Preservation 20% Global Stocks / 80% Bonds Wealth Appreciation 80% Global Stocks / 20% Bonds Moderate High Risk Blend of Growth & Income with Income Bias Low Risk Portfolio with Income Emphasis Small Cap Mid Cap Mid Cap Mid Cap Small Cap 12/31/94-12/31/11 12/31/94-12/31/ % High 10.14% Small Cap 5.96% 6.11% Low 2.88% (10.12%) RISK = 8.70% Wealth Preservation & Growth 40% Global Stocks / 60% Bonds Moderate Risk Blend of Growth & Income with Income Bias Small Cap Small Cap Mid Cap Markets USEmerging Micro Cap Mid Cap Small Cap Small USUS Mid CapCap Low (39.95%) (8.99%) Risk = 13.13% RISK = 32.27% (8.99%) RISK = 32.27% Mid Cap 12/31/94-12/31/11 High 12/31/94-12/31/ % 22.75% 6.77% Aggressive Wealth Appreciation 100% Global Stocks High Risk Focused on Growth Mid Cap 16.05% 10.94% 6.77% Avg. Risk = 3.60% 12/31/94-12/31/08 High 40.85% 16.05% 12/31/94-12/31/08 Avg. RETURNS & RISK 12/31/94-12/31/ % Mid Cap US Micro Cap Small Cap Small Cap Emerging Markets Emerging Markets 12/31/94-12/31/08 RETURNS RETURNS & RISK & RISK 18.04% - 12/31/08 12/31/94-12/31/94 12/31/11 High 7.56% 6.96% Avg % 6.96% Low (21.09%) Low RISK(47.98%) = 40.76% (13.20%) (0.32%) RISK = 15.76% Risk = 6.60% 50.52%18.04% Avg. (13.20%) Risk = 16.46% RISK = 40.76% The OCM Advantage: Efficiently Diversified ETF Portfolios Mid Cap Small Cap 12/31/94-12/31/08 12/31/94-12/31/11 High Avg % 9.33% 14.08% 6.54% (4.70%) RISK = 23.88% Low (31.00%) Do your participants know what they are paying? Investment management fees: mutual fund vs. ETF Based on a portfolio balance of $50,000, a 20 year time horizon and an assumed rate of return of 6.9%, we show how fees will impact participants. $20,455 Risk = 9.83% Average 401(k) Mutual Fund We re dedicated to keeping investment expenses low and providing great value. Our advantage offering Exchange Traded Fund (ETF) model portfolios - allows for substantial savings versus mutual funds. ETFs don t pay commissions or engage in revenue sharing, keeping your plan s investment options cost-efficient and conflict-free. OCM Strategic Asset Solutions Balanced Wealth 60% Global Stocks / 40% Bonds Moderate Risk with a Balance Between Growth & Income $68,141 Mid Cap $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 Small Cap Assumed fees for OCM at 0.34%, Average Mutual Fund 1.24%. Source: The 401k Averages Book, 12th Edition, 2011.

7 Investment Solutions Target Date Portfolios Our target date portfolios offer participants an efficient way to keep their investment allocation appropriate during their working career and through retirement. OCM Target Date Portfolios As your retirement date nears, our target date portfolios are designed to mitigate market risk by reducing your equity exposure. We begin with a predominantly stock allocation for portfolios with a longer time horizon (those who are a long way from retirement) and gradually adjust towards a more conservative portfolio with a higher allocation to bonds as the employee approaches retirement. Did you know Congress passed a law in 2006 making it easier for employers to use target-date funds as a default 401(k) option, and 81% of large employers now offer them. SmartMoney Fix your 401(k) Plan, April 2012 issue Glidepath: Gradual Shift in Stock/Bond Allocations Percent of Portfolio Stocks Bonds Years to Retirement Our Target Date Portolios range from a participant who is within a few years of retirement to those that are just beginning their careers. Years to Retirement 0-5 Years 6-10 Years Years Years Years 25+ Years Portfolio Name OCM Retired OCM 2020 OCM 2025 OCM 2030 OCM 2035 OCM 2040

8 4 Fiduciary Oversight Since you re focused on your business, we offer services as a 3(21) Fiduciary and 3(38) Investment Manager to help you select, monitor and manage your investment menu. We Guide You Along The Way Selecting investment options that meet the needs of your plan and its participants can be overwhelming. We start by creating an Investment Policy Statement, which serves as a roadmap for: Selecting and monitoring the investment options under the plan Helping you comply with ERISA fiduciary responsibility Meeting the plan s overall objectives Did you know Only 14% of participants are very confident that they are saving enough to get the monthly income they want in retirement. BlackRock DC Survey 2011 From there, we focus on an investment menu selection, with monitoring and review along the way. How We Help You: Investment Policy Statement We ll create the roadmap for your plan regarding investments, fiduciary responsibility and determining the plans objectives. Select & Monitor Investments We ll review the current investment menu and make recommendations to ensure your plan meets its objectives. Fiduciary Oversight We ll manage the investments for you as a 3(21) Fiduciary and 3(38) Investment Manager and create an annual fiduciary checklist to ensure your plan is in compliance. Documentation We ll ensure you have the right process and documentation in place to meet your fiduciary requirements.

9 5 Participant Communications Our communications program is focused on making employees retirement ready by helping them understand their plan and making it easy to enroll, save more and invest better through top materials, tools and financial advice freeing you up to focus on your business. OCM Participant Communications Services include: Enrollment & investment menu guidance through enrollment meetings or one-on-one as needed. Website, 24/7 phone support for information Quarterly statements (online or paper statements available) Investor questionnaire / financial calculators Education materials and much more... In addition, participants receive quarterly market insights from the OCM investment team. What is your allocation? Retirement Calculator

10 6 Our Clear Mission We re dedicated to helping our clients achieve their retirement objectives whether individually or as part of a DC or DB plan. We re committed to providing the highest service level and expertise to plan sponsors and partners with a focus on successfully managing investment model portfolios for all. About Us Our firm has a unique history, bringing together investment professionals from around the globe, all with one common background managing wealth for private families. The firm was formed in 2001 with a singular objective help individuals protect, grow, and distribute their wealth per their most personal objectives. With our expansion into the retirement plan market, we remain focused on comprehending the financial goals, challenges, values and motivations of individual investors, retirement plan participants and plan sponsors. Sources: One Capital Management, LLC. Bloomberg, Standard & Poors, Morgan Stanley Capital, Wilshire Associates, Barclays Capital. Asset classes are represented by the following: U.S. Russell Mid Cap Index; U.S. Small Cap Russell 2000 Index; Equities MSCI Europe, Australia, Far East Index; Emerging Market Equities MSCI Index; Real Estate Wilshire U.S. Domestic REIT Index; U.S. Barclays Capital 1-5 Year Government/ Credit Index. Annualized returns calculated for rolling 3-year periods beginning 1995 to 1997 through 2006 to Risk represents annualized standard deviation of returns during the entire December 31, 1994 through December 31, 2008 period. Indices and weightings used for benchmarking purposes are as follows: Wealth Preservation 7.6% S&P Index, 2% Russell Mid Cap Index, 3% Russell 2000 Index, 5.4% MSCI EAFE Index 1.4% MSCI Index, 0.6% Dow Jones Wilshire U.S. Domestic REIT Index, 80% Barclays Capital 1-5 Year Government/Credit Index; Moderate Wealth 15.2% S&P 500 Index, 4% Russell Mid Cap Index, 6% Russell 2000 Index, 10.8% MSCI EAFE Index, 2.8% MSCI Index, 1.2% Dow Jones Wilshire U.S. Domestic REIT Index, 60% Barclays Capital 1-5 Year Government/Credit Index; Balanced Wealth 22.8% S&P 500 Index, 6% Russell Mid Cap Index, 9% Russell 2000 Index, 16.2% MSCI EAFE Index, 4.2% MSCI Index, 1.8% Dow Jones Wilshire U.S. Domestic REIT Index, 40% Barclays Capital 1-5 Year Government/Credit Index; Wealth Appreciation 30.4% S%P 500 Index, 8% Russell Mid Cap Index. 12% Russell 2000 Index, 21.6% MSCI EAFE Index, 5.6% MSCI Index, 2.4% Dow Jones Wilshire U.S. Domestic REIT Index, 20% Barclays Capital 1-5 Year Government/Credit Index; Aggressive Wealth Appreciation 38% S&P 500 Index, 10% Russell Mid Cap Index, 15% Russell 2000 Index, 27% MSCI EAFE Index, 7% MSCI Index, 3% Dow Jones Wilshire U.S. Domestic REIT Index. OCM provides discretionary investment advisory services on behalf of retirement plans governed by the Employee Retirement Income Security Act of 1974 as amended (ERISA), such as 401(k) plans, which are designed to provide investment allocation responsibility to participants over their individual accounts under the plan. Under the Strategic Asset Solutions Model Program, OCM establishes and maintains six strategic asset solutions models (Models), which are offered as investment alternatives to plan participants. If a Model is selected by a participant, OCM invests the assets of the participant s account in a mix of exchange-traded funds (ETFs) in accordance with the selected Model. In its discretion as the plan s investment manager, OCM determines the mix of ETFs for each Model, and it also invests and rebalances participant accounts in accordance with the selected Model.

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