The Diamond Standard in Retirement Plan and Employee Benefit Solutions

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1 The Diamond Standard in Retirement Plan and Employee Benefit Solutions Customized Solutions Passionately Delivered Powered by Technology

2 DailyAccess Delivers the Diamond Standard: A comprehensive suite of integrated and easy-to-use employee benefit plans supported by solutions-based technologies and personalized client service. DailyAccess understands that companies benefit plans are critical in attracting and retaining highly qualified employees. We help plan sponsors and financial advisors provide flexible, easy-to-use benefit services for plan participants. We deliver customized recordkeeping, administration, consulting, actuarial, investment advisory, and health and welfare services for employers. Through intermediaries, our team of professionals provides Diamond Standard service to employee benefits plans... retirement, as well as health and welfare. DailyAccess enjoys distribution alliances with advisors, brokers, broker-dealers, mutual fund companies, banking institutions, Third Party Administrators (TPAs), Registered Investment Advisors (RIAs), and trust companies. What s Inside: THE DAILYACCESS DIAMOND STANDARD Financial Advisor Services RETIREMENT PLANS Defined Contribution Retirement Plans Defined Benefit Retirement Plans Third Party Administrators Retirement Plan Advisory Services OUTSOURCING SERVICES HEALTH AND WELFARE BENEFITS Benefit Plans Health and Welfare Actuarial Services Health and Welfare Advisory Services

3 Customized Solutions Passionately Delivered Powered by Technology The DailyAccess Diamond Diamond Standard Standard The DailyAccess Diamond Standard is a comprehensive suite of integrated and easy-to-use employee benefit plans supported by solutions-based technologies and personalized client service. It is our goal to provide this level of services and service to every client with whom we interact. DailyAccess was founded in 1995 to web-enable and streamline mutual fund trading and processing for retirement plans. In the ensuing years, DailyAccess has enhanced its client service capabilities with offices in Boston, Dallas, Detroit, and Kansas City, and expanded its suite of employee benefit services to include: Defined contribution retirement plans Defined benefit retirement plans, including cash balance plans Nonqualified retirement plans Flexible benefits services Health and welfare actuarial services Group health benefit advisory services through its wholly-owned subsidiary, Resolution Benefits Design, LLC Investment advisory services through its wholly-owned subsidiary, InterServ, LLC All of our services are available as comprehensive integrated benefits packages or as individual service components. DailyAccess provides fully transparent fees, has no proprietary investment or product requirements, and offers access to over 10,000 investment options for retirement plans.

4 For personalized retirement plan and employee benefits services, I depend on DailyAccess. Case Study As an architect, John planned on spending his career designing solutions for his clients. As the firm he founded grew, he discovered he also needed benefit solutions for his employees. Which types of retirement plans would be the best fit for his firm, Designed by Andes? What options were available for his employees health and welfare benefits? John wondered if one provider could meet his company s diverse needs. more The Diamond Standard in Retirement Plan and Employee Benefit Solutions

5 Customized Solutions Passionately Delivered Powered by Technology Financial Advisor Services DailyAccess is dedicated to assisting financial intermediaries in the acquisition and retention of their clients. The Diamond Standard services provide a broad spectrum of easy-to-use solutions designed to simplify and streamline benefit plan administration for both financial intermediaries and plan sponsors. We are passionate about the success of the financial advisors with whom we work and provide Diamond Standard personalized support to assist them in closing sales. DailyAccess allows a number of professional firms to review its corporate governance practices annually. We have received some of the industry s highest rankings for retirement plan services providers. DailyAccess is an ASPPA 1 Recordkeeper - Certified by CEFEX 2 DailyAccess has been awarded the Five Star Fiduciary Fitness Ranking for recordkeepers from IFLC 3 1 American Society of Pension Professionals & Actuaries 2 Centre for Fiduciary Excellence 3 Investment Fiduciary Leadership Council Case Study John s financial advisor introduced him to DailyAccess Corporation and its affiliates. While his financial advisor made recommendations about his company s retirement plan investment options, DailyAccess began acting as Designed by Andes human resources back office. Each of the DailyAccess professional practice groups began delivering Diamond Standard personalized service to John and his employees. more

6 Retirement Plans Plans Clients can benefit from DailyAccess s years of expertise in recordkeeping, administration, consulting, and actuarial services for a wide range of retirement plans: defined contribution, defined benefit, hybrid, and nonqualified plans. Defined Contribution Retirement Plans Plan sponsors know that a qualified retirement plan can be a key benefit for attracting and retaining superior employees, as well as helping plan participants prepare for their financial needs after employment. DailyAccess provides recordkeeping, administration, and consulting services that make it easy for retirement plan sponsors and participants to access data, manage accounts, and stay informed. We provide individually tailored retirement plan services for retirement plans including: 401(k) 403(b) ESOP 457 Roth NQDC 401(a) Money Purchase Profit Sharing Each DailyAccess dedicated account manager serves as a single point of contact and is equipped to provide informed, personalized support for all retirement plan services. The plan design and compliance services offered by our consulting team can help employers build the right retirement plan that fits the needs of their employees and their businesses. We can combine our defined contribution plan services with defined benefit, hybrid, and nonqualified plans to provide employers with a full range of retirement options. We offer each of our services as part of a comprehensive, integrated suite of employee benefits or on a standalone basis. The Diamond Standard in Retirement Plan and Employee Benefit Solutions

7 Customized Solutions Passionately Delivered Powered by Technology Easy to Implement, Simple to Use DailyAccess is focused on utilizing technology to simplify and streamline services for our clients. Our Plan Sponsor Website can provide plan sponsors and their designated users with powerful technology that includes at-a-glance overviews, detailed reports, a proactive notification system, ongoing education and more. The DailyAccess Participant Website, available in English or Spanish, is easy to use even for first-time plan participants. Participants may receive online statements, generate on-demand statements, view personal rate of return data, check account balances, modify investment elections, or visit the Financial Resource Center for comprehensive information on retirement planning. Participants may access their personal retirement accounts online, through an automated telephone information system, or via our onsite participant support call center with translation services for over 150 languages. Our helpful call center representatives can deliver Diamond Standard support and service by telephone and . Case Study DailyAccess provided customized recordkeeping and administration for both a 401(k) plan and a cash balance plan for all Andes employees. more

8 Defined Benefit Retirement Plans A defined benefit retirement plan, or traditional pension plan, is designed to provide participants with a specific benefit amount at retirement. Defined benefit plans represent a significant commitment on the part of the employer, because investment decisions are the sole responsibility of the plan sponsor; no investment options are selected by the plan participant. Contributions for employees in a defined benefit plan are based on income requirements and actuarial variables such as years of service, life expectancy, and compensation. DailyAccess can help relieve the administrative burden of defined benefit plans with our professional services, including: Recordkeeping Administration Plan Design Actuarial Studies Asset/Liability Modeling Eligibility Projections DOL/IRS Plan Audit Assistance Consulting and Compliance Our defined benefit plan services may be combined with defined contribution, hybrid, and nonqualified plans to provide employers with a comprehensive suite of retirement plan solutions. Cash Balance Plans A cash balance plan is a hybrid; it is an IRS-qualified defined benefit plan that operates similarly to a defined contribution plan. A cash balance plan can allow for additional retirement savings to be accrued over and above defined contribution limits. A cash balance plan defines a promised future benefit in terms of a stated hypothetical account balance that can be paid as a monthly pension benefit or as a lump sum payment at retirement. Like other defined benefit plans, a cash balance plan requires the professional design, actuarial expertise, and accurate recordkeeping services DailyAccess can provide. The Diamond Standard in Retirement Plan and Employee Benefit Solutions

9 Customized Solutions Passionately Delivered Powered by Technology The interest credit rate (ICR) is the cash balance plan s target investment return as defined by the plan s design. Each cash balance plan participant s account balance increases annually in two ways: A company contribution, or pay credit (a percentage of compensation or a flat dollar amount), which is determined by a formula specified in the plan document, and An interest credit with a guaranteed rate of return. The interest credit is not dependent on the plan s investment performance, but is instead either a fixed rate or a variable rate detailed within the plan document. Increases and decreases in the value of the plan s investments do not affect the benefit amounts in the participant s hypothetical account. Investment risks and rewards on plan assets are borne solely by the plan sponsor. The benefits for plan sponsors may include: Corporate tax savings Enhanced employee acquisition and retention Greater funding flexibility Flexibility in contributions Business continuation model Plan assets protected from creditors

10 The benefits for plan participants may include: Contributions could significantly accelerate retirement savings Contributions exceed defined benefit limits Employer pays cost Easy to understand No investment decisions Portable account balance Benefit protected by Pension Benefit Guaranty Corporation (PBGC) The four components of a DailyAccess cash balance plan include: Actuarial consulting and administration services Recordkeeping services Asset custody and investment trading capabilities Investment advisory services offered through our wholly-owned subsidiary, InterServ, LLC Case Study After discussing John s business and retirement goals with him, DailyAccess s consulting and actuarial teams designed both plans, as well as a profit sharing plan to maximize the savings available in the cash balance plan. John s employees enjoyed easy online access to their retirement accounts and his executives were able to work toward increasing their retirement savings. more The Diamond Standard in Retirement Plan and Employee Benefit Solutions 10

11 Customized Solutions Passionately Delivered Powered by Technology Third Party Administrators DailyAccess s comprehensive recordkeeping solutions can help TPAs meet the growing needs of defined contribution retirement plan sponsors. We assist TPAs by reducing the resources needed for technology, personnel, and operations so they can focus on increasing efficiencies, remaining competitive, and serving clients. Our daily valuation recordkeeping and online tools can help TPAs grow their client bases while reducing costs. Our open investment architecture model and multiple custodial partners allow TPAs to partner with both fee-based and commissionbased financial advisors. Our recordkeeping platform can quickly adapt to client customization needs. Our regional sales team is ready to assist TPAs with presentations, customized proposals, onsite meetings, and webcasts. Each TPA is supported by a one-on-one relationship with a DailyAccess account manager. Financial Advisor TPA Seamless Integration Among All Parties Recordkeeper Conducts employee education and investment committee meetings. Custodian Provides daily valuation recordkeeping, participant website, call center, automated phone system. Plan Sponsor Participant Drafts plan documents, performs compliance testing, and prepares IRS Form 5500 filing. Holder of plan assets - may be appointed directed trustee. 11

12 Retirement Plan Advisory Services InterServ, LLC is an independent SEC-registered RIA that partners with financial advisors to deliver customized investment services to retirement plan sponsors. The InterScore The InterScore provides an unbiased analysis of plan investment options through a proprietary mutual fund measurement and analysis process. InterScore is a scoring process used to identify those fund managers who are most likely to add value through their investment processes. The scoring process: Utilizes multiple metrics based upon Modern Portfolio Theory. Measures performance and employs a fund benchmarking process Case Study John and his financial advisor selected the investment advisory and fiduciary services of InterServ, LLC, a DailyAccess subsidiary, to score, monitor, and report on the investment options in both retirement plans. more The Diamond Standard in Retirement Plan and Employee Benefit Solutions 12

13 Customized Solutions Passionately Delivered Powered by Technology InterServ offers three comprehensive solutions designed to enhance a retirement plan s investment performance. 1 Full Service Fiduciary Protection for Defined Contribution Plans InterServ contracts with plan sponsors as an investment fiduciary and serves as an ERISA* 3(21) investment advisor. InterServ s full range of services includes: Unbiased Investment Process A CEFEX-certified process is used to analyze mutual funds, collectives, Exchange Traded Funds (ETFs), and separate accounts that are utilized in the plan s investment lineup. Non-proprietary Investment Recommendations InterServ is independent and is not compensated by fund companies. Its unbiased investment analysis process is designed to recommend best-in-class investment options. Customized Investment Policy Statement (IPS) It is important for the plan s Investment Committee to develop and follow a consistent and documented investment process. InterServ, along with the financial advisor and the plan sponsor, will customize the IPS to meet the plan s client-specific needs. Ongoing Investment Monitoring and Due Diligence The plan s investments are continuously monitored in accordance with its IPS. As part of the due diligence process, InterServ performs both quantitative and qualitative analysis of fund managers. Institutional Reporting InterServ provides easy-to-understand quarterly reports on the investment performance of the plan assets. The report includes an economic and legislative update focusing on the retirement plan industry. Assistance with 404(c) Compliance As an investment fiduciary to the plan, InterServ can assist plan sponsors with the 404(c) documentation compliance process. *Employee Retirement Income Security Act of 1974, as amended 13

14 2 Managed Accounts Professional Asset Management for Defined Contribution, Defined Benefit, and Cash Balance Plans InterServ contracts with plan sponsors as an investment fiduciary and serves as an ERISA 3(38) investment manager on the plan assets managed. InterServ s asset management capabilities include: Defined Contribution Plans Retirement Date ranges that combine and incorporate three levels of risk tolerance Customized allocations based on the plan s underlying funds, selected by the plan sponsor and plan s financial advisor Annual allocation rebalance and glide path adjustment Qualified Default Investment Alternative (QDIA) Safe Harbor Defined Benefit Plans Liability-driven certified investment process and fiduciary support for defined benefit plans Investment strategy implemented based on the plan s funding level Total Return Strategy Partial Hedging Strategy Hedging/Cash Flow Matching Strategy less Concentration on Plan Liabilities more Cash Balance Plans Actuarial-driven certified investment process, acting as a fiduciary to the plan by working closely with the plan actuary to develop an asset allocation strategy Investment strategy based on plan target return, including three asset allocation portfolios to achieve the plan s investment target The Diamond Standard in Retirement Plan and Employee Benefit Solutions 14

15 Customized Solutions Passionately Delivered Powered by Technology InterServ s managed accounts apply three different glide paths, one for each level of risk: Cash Bonds US Equity Foreign/REIT See: Retirement Date / Risk-Based Management Account Matrix (below). The managed accounts glide path process recognizes that participants nearing retirement are less willing to take on investment risk. The 12 InterServ Managed Accounts Four Retirement Dates Three Levels of Risk Conservative Moderate Aggressive Retirement Date / Risk-Based Management Account Matrix Risk Level Retirement Year Aggressive Moderate Conservative Advisor Pro InterServ works exclusively with financial advisors and trust banks to provide an outsourced reporting solution for their books of business. Advisor Pro quarterly reports offer: Plan level reporting via InterServ s institutionalized reporting process to ensure accurate and timely reports. Customization, including private labeling, to fit specific business needs. InterServ, LLC is CEFEX-certified as an Investment Advisor 15

16 Outsourcing Services Services DailyAccess offers its defined contribution retirement plan recordkeeping and administration services to institutions on a private label or co-branded basis. Outsourcing can give institutions a competitive edge by helping to deliver reliable services while minimizing operational costs. Outsourcing allows institutions to provide our web-based platform to their customers without spending their own resources. Institutions retain direct control of their retirement plan client relationships while efficiently providing clients with service. The DailyAccess open architecture model allows plan sponsors and financial advisors to select from over 10,000 investment options with no proprietary fund requirements and fully transparent fees. Institutions can choose full service or a recordkeeping-only option, wherein they continue to provide plan administration and compliance services or utilize a TPA. Our outsourcing services include: Daily valuation recordkeeping, trading, and operational services Private label plan sponsor and participant websites Branded paper or electronic participant statements and support materials Institutional account management team Dedicated call center representatives Our regionalized sales team can deliver Diamond Standard ongoing sales and technical support to help institutions develop opportunities and acquire additional retirement plan business. The Diamond Standard in Retirement Plan and Employee Benefit Solutions 16

17 Customized Solutions Passionately Delivered Powered by Technology Health & Welfare & Welfare Benefits Benefits DailyAccess offers a range of benefit plan services that can help plan sponsors control costs and help participants manage health-related expenses. Our Diamond Standard personalized service is delivered by account managers dedicated to designing, administering, and accurately reporting on all aspects of a client s benefit program. Our benefits services include: Account Management and Administration Daily reconciliation Direct deposit of refunds Monthly year-to-date reports Flexible Benefits Cards Online reporting and administrative reports Payroll processing Timely claims processing Debit card technology to simplify qualified health-related purchases Compliance Signature-ready Form 5500 Annual discrimination compliance testing Plan Document and Summary Plan Description(s) Employee Assistance and Enrollment 24-hour online access to accounts Enrollment materials in English/Spanish Educational webcasts Daytime toll-free access to English/Spanish Benefit Services Representatives Case Study DailyAccess provided Designed by Andes with streamlined health and welfare benefits solutions for its employees. John opted to establish a Flexible Spending Account, funded by his employees contributions, and a Health Reimbursement Arrangement, funded by his company. For both accounts, Andes employees now utilize one convenient DailyAccess MasterCard benefits debit card for approved health-related expenses. more 17

18 Flexible Benefit Plans DailyAccess serves as a comprehensive benefits resource, providing a mix of products and solutions to help meet business goals and serve plan participants. Our services are available as part of a comprehensive, integrated benefits program or as standalone components. Section 125/Flexible Spending Account (FSA) An FSA allows employees to set aside pre-tax payroll deductions to cover qualifying health care expenses. It can be a valuable tool for employers who strive to make every employee benefit dollar count. Health Savings Account (HSA) An HSA is a tax-exempt account used to pay for eligible IRC Section 213(d) medical expenses. The account is designed to help participants enjoy better control of their own health care expenditures. Funds are 100% tax deductible and employee-owned, and any unused balances can be rolled from year to year. Account funds can be placed into multiple investment options at the participant s discretion and used to pay for medical expenses, as well as supplement a participant s retirement income. DailyAccess has partnered with HSA Bank and TD AMERITRADE to enable HSA account funds to be invested in mutual funds. A qualified High Deductible Health Plan (HDHP) must be in place to cover the employee/ family before an HSA can be opened. An HDHP can provide health coverage for an individual/family for a lower premium than many traditional health plans. Health Reimbursement Arrangement (HRA) An HRA is an employer-funded, tax-sheltered account designed to reimburse allowable medical, dental, and vision expenses not covered by the employer s medical plan. The plan sponsor contributes money annually to the participant s HRA to help pay for qualified expenses, and plan sponsor contributions are not taxable to the employee. The Diamond Standard in Retirement Plan and Employee Benefit Solutions 18

19 Customized Solutions Passionately Delivered Powered by Technology Dependent Care Reimbursement Account (DCA) Employees can set aside pre-tax payroll deductions for daycare expenses of dependent children under age 13. Qualified expenses can include babysitters, housekeepers, and registration fees for daycare. The cost of pre-k or nursery school, before and after-school care, and day camp may also qualify. However, to qualify, daycare expenses must allow an employee or spouse (if married) to work or look for employment. Employees can make pre-tax payroll deductions for the expenses of a dependent adult who cannot physically or mentally care for him/herself. Qualified expenses include housekeeper and nursing fees for services provided inside the participant s home. Expenses are eligible only if they are attributable to adult care and incidental household services. Parking and Transportation Plans Through payroll deduction, employees are able to contribute to an account that may result in substantial savings on the cost of parking related to their employment. In addition, employees can reduce certain costs of travel to and from work through payroll contributions. Premium-Only Plans (POP) A Premium-Only Plan enables employers and employees to pay for group insurance premiums (such as medical, dental, and vision) with pre-tax dollars. Using pre-tax dollars helps reduce an employee s income taxes. Employers can also save FICA* taxes when employees make pre-tax contributions to a POP. *Federal Insurance Contributions Act 19

20 The DailyAccess Flexible Benefits Card The DailyAccess Benefits Card utilizes debit card technology to simplify qualifying health-related purchases. The debit card can be used wherever MasterCard is accepted. Approved health care expenses are automatically deducted from the participant s pre-tax benefits account. The Benefits Card helps participants quickly and easily access their funds for health-related expenses. The Benefits Card can help eliminate the frustration of claim forms and potential duplication of out-of-pocket payments associated with pre-tax benefits accounts. The card may only be used for eligible medical and dependent care expenses at qualified locations, including physician and dental offices, pharmacies, optometrists, home health services, and daycare providers. One card may be used to access all of a participant s accounts: the Flexible Spending Account, Health Savings Account, Health Reimbursement Arrangement, Dependent Care Reimbursement Accounts, and Parking and Transportation Accounts. Our system codes each qualified vendor, so when the card is used it automatically deducts funds from the correct account. Participants must save their healthcare-related receipts, but they do not have to wait for reimbursement. With the Plan - Pre-Tax Without the Plan - Post-Tax $2000 Monthly income $ Pre-tax health care expenses -0- $1,900 Taxable salary $2, FICA, Federal, State taxes -500 $1,500 Net income $1, Post-tax health care expenses -100 $1,500 Take home pay $1,400 $100 Tax Savings (For illustration purposes only) The Diamond Standard in Retirement Plan and Employee Benefit Solutions 20

21 Customized Solutions Passionately Delivered Powered by Technology Health & Welfare Actuarial Services The cost of employer-sponsored medical care can represent nearly one-third of a typical employee s total compensation. Employees may place as much value on their benefits package as on other forms of compensation. For plan sponsors, careful planning and cost control are critical in the design and execution of health benefits programs. A health benefits program should be designed with professional actuarial assistance to analyze expenses, and to identify and help control health care costs. Our experienced health actuarial staff can help develop solutions to deal with rapidly increasing health care costs and help plan sponsors create a plan to work with budgetary requirements. DailyAccess can provide: Plan design review Claims analysis to identify costly benefits and develop more efficient alternatives Contribution analysis to identify subsidized benefits or coverage levels Cost projections under various trend assumptions Analysis of insured costs and premiums Assistance in fulfilling legal, regulatory, and accounting requirements Self-funding analysis and options Case Study John utilized DailyAccess s health and welfare actuarial services to get a clear picture of the potential costs and value associated with different options in Designed by Andes medical benefits program. more 21

22 Health & Welfare Advisory Services DailyAccess s wholly-owned subsidiary, Resolution Benefits Design, LLC, consults with plan sponsors to deliver creative and individualized solutions for their employee health and welfare plans. The experienced team at Resolution Benefits Design researches employers health and welfare benefit plan needs and then tailors programs to fit. Resolution Benefits Design works hand-in-hand with plan sponsors, acting as a human resources back office by providing ongoing, personalized service and support. Resolution Benefits Design offers clients the Diamond Standard of personalized service in the field of comprehensive employee health and welfare benefit consulting and administration. Utilizing the experience of Resolution Benefits Design, an employer can: Offer easy-to-use health and welfare plans Better control plan costs Save time and resources Devote more time to other employee needs Resolution Benefits Design offers access to HRconnection, a secure, customizable communications portal that saves human resources staff time and resources by providing important information for plan sponsors and participants, including: Benefit research capabilities Time-off tracking Employee communications Employee benefits elections Case Study To select dental, life, and disability insurance providers, John engaged Resolution Benefits Design, LLC, a DailyAccess subsidiary. Resolution Benefits Design provided a comprehensive comparison of leading insurance providers offerings and costs for John s review. more The Diamond Standard in Retirement Plan and Employee Benefit Solutions 22

23 Customized Solutions Passionately Delivered Powered by Technology Resolution Benefits Design services include: Situation Analysis and Strategic Benefit Planning Quantifying costs; providing benchmarking; establishing goals; setting expectations within budget guidelines; suggesting plan design options; and delivering a benefits road map for the plan year. Insurance Marketing and Renewal Services From a position of experience, negotiating to obtain the best coverage value. Plan Implementation Services Ongoing support and service from experienced professionals. Claims Management Reporting Providing reports for monthly claims and large claimant reports, mid-year analysis, and projections for total year and upcoming year. Ongoing Client Service, Communication and Education Developing a service schedule outlining expectations for the upcoming year. A Resolution Benefits Design dedicated service professional is available daily to answer questions. Regulatory and Compliance Assistance Delivering accurate and timely regulatory information to ensure compliance with federal and state group health plan mandates. Worksite Marketing Solutions Helping a client implement voluntary employee benefits to enhance current benefit programs at no additional employer cost, and increase employee loyalty and productivity. To help provide appropriate and robust solutions for health and welfare plans, Resolution Benefits Design: Understands a client s unique benefit needs Determines, in partnership with the client, the appropriate course of action Customizes the comprehensive suite of benefit plans to meet the client s needs Integrates the services for the benefit of plan sponsor and participant 23

24 One provider to handle my company s retirement plans and employee benefits - that s DailyAccess. Case Study John and his financial advisor found that each DailyAccess practice group worked to achieve the Diamond Standard of professional service delivery. Being a DailyAccess client meant he and his company s human resource staff could receive customized solutions and personalized service, and Andes employees had access to advanced, yet easy-to-use, benefits technology. John understands the importance of providing competitive benefits to attract and retain talented employees. With DailyAccess serving as his company s comprehensive benefits provider, John can focus on doing what he enjoys most creating architectural solutions for his own clients. The Diamond Standard in Retirement Plan and Employee Benefit Solutions 24

25 DailyAccess Delivers the Diamond Standard: A comprehensive suite of integrated and easy-to-use employee benefit plans supported by solutions-based technologies and personalized client service. Multiple customized retirement plan and employee benefit solutions from one leading provider. We will be glad to provide more information via phone, webcast or onsite meeting. To learn more about DailyAccess: website toll free

26 DAILYACCESS CORPORATION 307 University Boulevard North Building 3, Suite 1500 Mobile, Alabama With offices in: Boston, MA Dallas, TX Detroit, MI Kansas City, KS toll free: local: fax: DailyAccess Corporation DailyAccess and DailyAccess Corporation are trademarks of DailyAccess Corporation

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