403(b)(7) Mutual Fund Investment Platform. freedom to choose... access the investments with the flexibility and choice to meet your retirement goals

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1 403(b)(7) Mutual Fund Investment Platform freedom to choose... access the investments with the flexibility and choice to meet your retirement goals imagination meets innovation, exceeding expectations.

2 Creating a 403(b) plan that works for everyone. > affordable > flexible > comprehensive > compliant Table of Contents Change can be good About Us Features Getting Started With the challenges of the new 403(b) regulations comes the opportunity to improve your retirement future. As you prepare for your retirement you can count on our service, technology, and experience to assist you along the way. We are pleased to have the opportunity to present you with information for your 403(b) retirement plan. Thank you for your consideration.

3 Advocates for the participant. > caring about your retirement > listening to your needs > sharing what we know > helping you achieve your goal About Us Our goal is to provide the most advanced, cost effective investment platform for participants in 403(b) plans. We strive to build relationships with participants and their advisors through the delivery of unbiased, innovative 403(b) solutions with excellent service and technology to help achieve retirement benefits of participants. SERVICE The ASPire team has a commitment to service as advocates for participants to help them reach their retirement goals. When you choose our services, you will be provided with an account executive that will be your single point of contact for any questions you may have. We hold ourselves to the highest standards, and our clients enjoy accurate, timely and efficient services. TECHNOLOGY The ASPire platform was designed for the Internet - not adapted to it. Built using the most advanced technologies, we have created an elegant, comprehensive online user experience that blends reliability, simplicity, and integrity. EXPERIENCE Our company formed in 2001 to create a better environment for the operation of retirement plans. To date, we are servicing over 2,000 plans, 75,000 participants and $2 billion in retirement assets. The ASPire team has an in-depth understanding of the retirement plan market and possesses a solid track record in the industry with decades of experience in plan administration, product development, information technology, and the servicing of retirement plan products. 1 ASPire

4 Accredited Service Provider Setting a high standard for the service of your plan. ASPire strives to deliver the industry s highest service levels. This continuous commitment to excellence is evidenced by a number of self imposed audits, accreditations, and continuing education for staff members. ASPire receives a Type II SAS70 audit each year and has received the prestigious CeFex Certification for Recordkeepers. This distinct honor is reserved for organizations that can demonstrate adherence to the industry s best practices. In addition, ASPire recently received the endorsement of Matthew Hutcheson, a highly acclaimed independent Fiduciary, in recognition of ASPire s strict adherence to the highest ethical standards and professional conduct. The Platform of Security Safeguarding of clients. Our data center delivers services that excel in every key area. Physical security, availability, network connectivity, and facility access are some of the critical factors in a secure data center. We apply high standards in protecting the confidentiality of our clients information. For site security, the system utilizes SSL with 128-bit encryption for all data transmitted through a Cisco 515E firewall with software programs that monitor network traffic. The secure data center, staffed and monitored 24/7, features closed circuit digital cameras and a state-of-the-art security system. Physical entry points require access cards and keypad pass-codes for entry. To ensure our equipment s safety in the event of a fire, an Ansul Inergen fire suppression system will deploy the inert gas, protecting our assets from potential water and residue damage. The Platform of Options Meeting your diverse investing needs. Recognizing the diverse investment needs for your retirement, we offer access to thousands of no-load, no-transaction fee funds available through our 403(b) FundSource SM program. Working with your familiar and trusted financial advisor you can customize the 403(b) FundSource SM program to construct an investment portfolio based on your particular needs or overall financial plan. At anytime you may request to add (or delete) funds to your account based on availability at the 403(b) FundSource SM custodian. 2 ASPire

5 Saving Planning Investing The online Participant Gateway gives you powerful access to manage your 403(b) retirement account including: > Research investments options. > Direct investment elections. > Print reports and forms. > Access planning tools. > View account activity. > Request loans and distributions. Participant Features Home Module Home Page The Home page of your account provides an overview of total account value, contributions and investment allocation. The QuickLinks feature allows quick and easy access to all functions and information regarding your account. 3 ASPire

6 Allocations & Performance Review your investment options with links to Morningstar fact sheets and prospectuses. View your investment balances by fund, shares, value, and allocation percent. Investments & Balances Target Investment Allocation versus your Actual Investment Allocation to gauge rebalancing your investments. Track your Personal Rate of Return for the investments of your portfolio. 4 ASPire

7 My Info Module The MY INFO section allows you to: >View/Update your Contact Information. >Change your Password. >Change your Salary Deferral Election. >View Beneficiary Information. >Set your Auto Rebalance Preferences. >Set your Authorized Agent Preferences. Investments Module The INVESTMENT section allows you to: >View/Update investment elections. >Transfer investments. >Realign your investment allocations. >Rebalance your investments. 5 ASPire

8 Help Desk Participants seeking assistance with the website, administrative, or investment related questions can access the help desk feature in the Plan Services module. The help desk utilizes the built-in message system that sends an to the administration personnel for the Plan or the authorized agent on their account. Services Module The SERVICES section allows you to: >Contact the Help Desk. >Request a Loan (if allowable). >Request a Distribution. Request Loan/Distribution The online Participant Gateway makes requesting loans and distributions an easy process. Participants are guided through a step-by-step module that provides them with an available amount based on their account and the allowable Plan provisions. The system dynamically generates customized signature ready PDF documents for the participant to print, sign, and submit for processing. 6 ASPire

9 Reports Module The REPORTS section allows you to: >Generate Account Statements. >View Detailed Account History. >Access the Document Library. Easily generate an account statement with variable date ranges on demand. In addition, you will automatically receive a quarterly statement to your home address. Plan Library Operational forms and important plan documents can be archived in the Library section of the Plan. Participants have quick and easy access to view and download any relevant Plan forms, notices, disclosures, and application forms from any of the approved investment service providers within the Plan. 7 ASPire

10 Education Module To meet the ongoing educational needs of Participants, ASPire has a built-in Retirement Center to help participants with investing and saving for their retirement. The Retirement Center contains: > Articles on the fundamentals of investing. > elearning courses for retirement planning. > Guides to understanding 403(b) plans. > Market and Fund research (quotes/charts). > Suite of interactive calculators. > Frequently asked questions. > Glossary of terms. 8 ASPire

11 New choices mean taking your plan in new directions Keeping it affordable... As an advocate of the Participant, ASPire is watchful of the expenses incurred with the operation of retirement plan benefits. Annual Account Fee - $40* per Participant plus.15% of account value paid by the Participant account or by the sponsor *Please Note: The annual $40 account fee may be discounted to offset plan administration costs. This reduction will be noted on the enrollment form. All other investment expenses within the 403(b) FundSource SM is based on the mutual fund expense ratios of selected investments. Getting started 1 Complete the Enrollment Forms - To obtain enrollment materials, follow these steps: -- Go to our website, -- At the top left, click on the link Plan Search -- By state, pull up your district/plan name -- Once there, click on Get Started and Enroll Now This page contains all of the instructions and documents you will need to enroll with ASPire -- Download the enrollment kit, and complete the required information Also note, when possible, we have made available the Salary Deferral Agreement on our site. Please designate ASPire Financial Services as your investment vendor election. 2 3 Send the Enrollment Forms - Please fax the completed forms to Please mail the transfer forms as they require a recent account statement and originals. Access Your Account - After your enrollment form is processed and logged into the system, we will mail you a Welcome letter that provides you with an account number and initial password with instructions on how to access your account online. 9 ASPire

12 ASPire Financial Services 5310 Cypress Center Drive Cypress Center II, Suite 101 Tampa, FL