Plan Highlights & Enrollment Form

5201 SOUTH QUEBEC STREET GREENWOOD VILLAGE,CO,80111 John J Doe 123 Anywhere St. Anytown, PA 19116 Location: 9111320 ADVENTURE UNLIMITED 403(b) PLAN Plan Highlights & Enrollment Form Important Information on Plan Features and Enrollment Recordkeeping services provided by: With Investment services provided by:

Table of Contents Plan Features Plan Investments Investment Objectives (Age: ) The Diversification Advantage How the Plan Funds Have Performed Enroll In The Plan Your Personalized Contribution Chart How to Enroll Enrollment Form Beneficiary Designation Form Spousal Consent Form Interactive Voice Response 2

When am I Eligible To Participate In The Plan? You can enter the Plan on 4/1/2009. If you are not eligible at this time, but have received a distribution from a qualified plan, you may be permitted to rollover that distribution into this Plan immediately. Check with your company's Plan Administrator for more information. How Much Can I Contribute To The Plan? You can contribute from 0% to 100% of your gross pay. You can increase or decrease your contribution percentage on a daily basis. You may also stop your contributions at any time. Each calendar year, tax laws limit pre-tax savings to a maximum dollar amount. The limit for 2009 is $ 16,500. Does The Company Contribute To The Plan? For each $1.00 that you contribute, up to 3% of your compensation, your employer will contribute $1.00. Your employer may make a discretionary Profit Sharing contribution as determined by them each year. What Is The Vesting Schedule? You are always 100% vested in the value of your own contributions. Any employer contributions made on your behalf are based on the following vesting schedule: Plan Features Can I Borrow Money From My Account? You can borrow from your account. The interest you pay will be credited back to your account. The minimum loan amount is $ 1,000. You must repay your loan within 5 years (unless it is used to purchase your primary residence). Loan repayments are made through payroll deductions. Can I Withdraw Money From My Account? If you are under age 59½, most withdrawals from your Plan are subject to a 10% penalty tax imposed by the IRS. There are no penalties for withdrawals for the following events: age 59½, disability, death, or termination of employment after age 55. If necessary, most distributions from your Plan can be rolled over into an IRA account. Account Services By dialing 1-888-800-5359, you can: Check your account balances. Obtain information on the investment funds in your account (share prices, performance information, etc.) Change your investment elections (how your future dollars are invested). Exchange funds (move money between funds). Model various loan scenarios (if you are considering borrowing from your account). Employer Years Contributions 0 0% 1 33% 2 67% 3 100% This document is not intended to replace the Summary Plan Description or Plan Document. If you have any questions, check with your company's Plan Administrator. 3

Plan Investments Where Can I Invest My Money? You have a choice of investing your contributions in any or all of the following funds: Growth & Income Ivy Global Natural Resources Fund is an open-end fund incorporated in the USA. The Fund's objective is long-term capital growth. The Fund invests at least 80% of its net assets in equity securities (including common stock, preferred stock, and securities convertible into common stock) of companies of any size throughout the world that own, explore or develop natural resources. Specialty Calvert Global Alternative Energy Fund is an open-end fund incorporated in the USA. The Fund's objective is long-term growth of capital. The Fund invests at least 80% of its net assets in equity securities of U.S. and non-u.s. companies whose main business is alternative energy or are significantly involved in the alternative energy sector. Specialty BlackRock Latin America Fund, Inc. formerly known as Merrill Lynch Latin America Fund seeks long-term capital appreciation. The fund normally invests at least 65% of assets in Latin American equity and debt securities, issued in Mexico, Central America, South America, or Spanish-speaking Caribbean islands. The fund does not necessarily diversify investments geographically. It may invest in debt of any credit quality. Equity AIM Gold & Precious Metals Fund is an open-end fund incorporated in the USA. The Fund's objective is capital growth. The Fund invests at least 80% of its assets in the equity securities and equity-related instruments of companies involved with exploring for, mining, processing, or dealing and investing in gold, gold bullion, and other precious metals such as silver and platinum. Income BlackRock World Income Fund, Inc. is an open-end fund incorporated in the USA. The Fund's objective is high current income. The Fund mainly invests in bonds and other fixed-income securities, including preferred stocks, that periodically pay interest or dividends. The invested securites will be denominated in at least three different currencies, including U.S. dollars. Bond Fund BlackRock Intermediate Government Bond Portfolio is an open-end fund incorporated in the USA. The Fund's objective is to maximize total return, consistent with income generation. The Fund invests at least 80% of its assets in the highest rated bonds issued or guaranteed by the U.S. Government and its agencies. Growth & Income BlackRock Balanced Capital Fund, Inc. Formerly known as The Merrill Lynch Balanced Capital Fund has a fully managed investment policy utilizing equity, debt (including money market) and convertible securities. This permits Fund management to shift emphasis based on its evaluation of changes in economic and market trends. Consistent with this policy, the Fund s portfolio may, at any given time, be invested substantially in equity securities (stocks), corporate bonds or money market securities. It is the expectation of Fund management that, over longer periods, a major portion of the Fund s portfolio will consist of equity securities of large-market-capitalization companies. Dividends are declared and reinvested semiannually. The Fund will at times, maintain at least 25% of its total assets in fixed income securities. The Fund may invest up to 25% of its total assets in foreign securities. Growth & Income BlackRock Equity Dividend Fund formerly knows as Merrill Lynch Equity Dividend Fund is an open-end fund incorporated in the USA. The Fund's objective is to seek long-term total return and current income. The Fund invests primarily in a portfolio of equity securities. The Fund will invest at least 65% of its assets in dividend-paying common stocks. The Fund emphasizes investments in large companies. Large Cap Equity The BlackRock Fundamental Growth Fund, Inc. Formerly known as the Merrill Lynch Fundamental Growth Fund seeks long-term growth of capital. The Fund normally invests at least 65% of assets in equities issued by medium and large capitalization companies. These companies have above-average growth in sales, profit margin improvement, niche products and services, and leading market shares. It may invest up to 10% of assets in foreign securities. 4

Mid Cap Equity Janus Adviser Perkins Mid Cap Value Fund is an open-end fund incorporated in the USA. The Fund's objective is capital appreciation. The Fund invests in at least 80% of its assets in equity securities of companies whose market capitalization falls, at the time of purchase, within the 12-month average of the capitalization range of the Russell Midcap Value Index. Growth & Income Van Kampen Small Cap Value Fund is an open-end fund registered in the USA. The Fund's objective seeks capital appreciation. The Fund invests in a diversified portfolio of equity securities of small-capitalization companies that the investment adviser believes are undervalued. Growth BlackRock Small Cap Growth Equity Portfolio is an open-end fund incorporated in the USA. The Fund's objective is long-term capital appreciation. The Fund invests at least 80% of its net assets in equity securities issued by U.S. small capitalization growth companies (market capitalization under $2 billion) which offer superior prospects for growth. Asset Allocation The BlackRock Global Allocation Fund, Inc. Formerly known as the Merrill Lynch Global Allocation Fund has a fully managed investment policy utilizing U.S. and foreign equity, debt and money market securities, the combination of which will be varied from time to time, both with respect to types of securities and markets, in response to changing market and economic trends. This fully managed investment approach provides the Fund with the opportunity to benefit from anticipated shifts in the relative performance of different types of securities and different capital markets. Dividends are declared and reinvested semiannually. The Fund may invest up to 35% of its total assets in non-investment grade debt securities. International BlackRock International Value Fund formerly known as ML International Value Fund is an open-end fund incorporated in the USA. The Fund's objective is to provide current income and long-term growth of income, accompanied by growth of capital. The Fund invests primarily in stocks of companies in developed countries located outside the U.S. The Adviser buys stocks that it believes are currently undervalued by the market. Plan Investments (Cont.) International Thornburg International Value Fund is an open-end fund incorporated in the USA. The Fund's objective is long-term capital appreciation. The secondary, nonfundamental goal is to seek current income. The Fund normally invests at least 75% of its assets in foreign securities or depository receipts of foreign securities. Its principal focus will be on traditional or basic value stocks. Growth & Income MFS International Growth Fund is an open-end fund incorporated in the USA. The Fund's objective is capital appreciation. The Fund invests at least 65% of its total assets in common stocks and related securities of foreign issuers. The Fund focuses on foreign companies that the Adviser believes have above average growth potential. Growth Pioneer Emerging Markets Fund is an open-end fund incorporated in the USA. The Fund's objective is long-term growth of capital. The Fund invests at least 80% of its total assets in equity securities of emerging market corporate and government issuers. Growth AIM Advisor Real Estate Fund seeks capital appreciation and income. The fund normally invests at least 65% of assets in equities of companies in the real-estate industry. It may invest the balance of assets in equity, debt, or convertibles of companies with products or services that are related to the real-estate industry. The fund may invest up to 100% of assets in investment-grade debt of real-estate related companies. Up to 25% of assets may be invested in foreign securities or American depositary reciepts. Capital Preservation The Merrill Lynch Ready Asset Trust seeks preservation of capital, liquidity and current income through short-term money market instruments, including U.S. Treasuries and government agency securities, certificates of deposit and commercial paper. 5

Investment Objectives (Age: ) The Diversification Advantage By choosing a range of different funds that vary in degrees of risk, you avoid basing your future on the results of one (or a few) funds. You also help lower your potential risk because possible losses in one or several investments could be offset by possible gains in others. The idea of diversification applies to spreading your investments across different categories as well as choosing investments within a category. Your options are shown below: 6

Fund Name Category Gross Operating Expense How the Plan Funds Have Performed Total returns at NAV for 3-month period ending 01/31/2009 Past 3 Mos. Year to Date Past Year Past 3 Years Past 5 Years Past 10 Years* Ivy Global Natural Resources Fund Class Growth & Income 1.99-10.57 0.43-57.08-15.59 2.31 11.06 Calvert Global Alternative Energy C Specialty 3.39-2.33-6.57-52.85 N/A N/A -38.57 BlackRock Latin America Fund Inc. Specialty 2.32-3.53-1.42-52.81-7.82 14.88 15.83 AIM Gold & Precious Metals CL C Equity 2.14 40.86-0.18-34.09-2.00 8.39 14.48 BlackRock World Income C Income 1.99 4.97-2.34-8.15 N/A N/A 1.78 BlackRock Intermediate Government Bond P Bond Fund 1.88 2.69-0.64 1.27 4.12 2.75 3.78 BlackRock Balanced Capital Fund Inc. Growth & Income 1.65-7.35-4.09-28.86-7.44-2.39-0.47 BlackRock Equity Dividend Fund Growth & Income 1.77-12.95-7.77-34.88-7.79 1.12 2.38 BlackRock Fundamental Growth Fund Inc. Large Cap Equity 1.94-11.90-4.23-36.05-11.95-4.55-3.87 Janus Advisor Perkins Mid Cap Value Fund Mid Cap Equity 1.87-8.91-7.13-31.91-7.54 0.67 6.04 Van Kampen Small Cap Value Fund C Growth & Income 2.04-9.95-9.36-30.37-8.77-0.41 5.00 BlackRock Small Cap Growth Equity Port. Growth 2.08-16.81-8.17-39.99-12.22-4.44-1.68 BlackRock Global Allocation Fund Inc. Asset Allocation 1.95-1.31-4.21-23.17-1.26 4.18 7.70 BlackRock International Value Fund International 2.31-10.52-11.54-44.52-13.86-2.16-0.57 Thornburg Int'l Value Fund Class International 2.01-10.28-9.41-41.66-8.33 2.04 7.25 MFS International Growth C Growth & Income 2.12-9.34-9.74-41.17-10.42 0.11 1.34 Pioneer Emerging Markets Growth 2.57-8.61-8.29-57.94-14.43 2.57 7.16 AIM Advisor Real Estate Fund C Growth 2.05-24.97-15.70-46.67-17.07-2.11 6.88 ML Ready Asset Trust(7dayYield:0.90%) Capital Preservation 0.65 0.43 0.09 2.33 3.87 3.05 3.15 *Life of Fund Enroll In The Plan To take advantage of your plan benefits, complete the attached Enrollment Form and submit it to your company's Plan Administrator. 7

How To Enroll Complete the enrollment, beneficiary and spousal consent forms on the next pages and return them to your company's Plan Administrator. Enrollment Form John J Doe 123-45-6789 Location: 9111320 Plan ID: 206895 Contribution Selection I wish to contribute % of my compensation to the ADVENTURE UNLIMITED (Enter a whole number between 0% - 100%) Investment Election Please indicate the percentage you would like to invest into the following funds. You must divide your investment in 1% multiples and your total must equal 100%. If you are unsure where to invest, examples of investment mixes are on page 6. Or, if you would like more information on these funds, please review the fund fact sheet and prospectuses provided by the Financial Advisor. Fund Options Percent of Contribution to Invest in Each Fund (Use whole numbers only.) Fund Options Percent of Contribution to Invest in Each Fund (Use whole numbers only.) Ivy Global Natural Resources Fund Class % Van Kampen Small Cap Value Fund C % Calvert Global Alternative Energy C % BlackRock Small Cap Growth Equity Port. % BlackRock Latin America Fund Inc. % BlackRock Global Allocation Fund Inc. % AIM Gold & Precious Metals CL C % BlackRock International Value Fund % BlackRock World Income C % Thornburg Int'l Value Fund Class % BlackRock Intermediate Government Bond P % MFS International Growth C % BlackRock Balanced Capital Fund Inc. % Pioneer Emerging Markets % BlackRock Equity Dividend Fund % AIM Advisor Real Estate Fund C % BlackRock Fundamental Growth Fund Inc. % ML Ready Asset Trust(7dayYield:0.90%) % Janus Advisor Perkins Mid Cap Value Fund % Remember your election percentages must total 100% Total 100% If you do not choose investments for your savings, your contributions will be invested in the ML Ready Asset Trust(7dayYield:0.90%) (100%). Authorization Yes, I hereby authorize the payroll deduction. Signature: Date: No, I do not wish to contribute.* Signature: Date: Plan Administrator Signature: Date: * Even if you have chosen not to contribute at this time, you must still return this form to your Plan Administrator so they know that they offered you this benefit and you decided not to participate. Please return this form to your Plan Administrator. You should also make a copy for your own records. 8

Beneficiary Designation Form John J Doe 123-45-6789 Location: 9111320 Plan ID: 206895 I have received a description of the plan and hereby make the following Beneficiary designation: Part A - Beneficiary Designation In the event of my death, all amounts credited to my account under the plan should be paid to the following person or persons. I understand that Federal law requires that my spouse be named as sole beneficiary unless my spouse consents to an alternative designation by signing Part B of this form. Primary Beneficiary: % of Death Proceeds (Must Total 100%) Name SS# Relationship Name SS# Relationship If none of the above-named beneficiaries is living at the time of my death, pay the following: Secondary Beneficiary: Name SS# Relationship Name SS# Relationship Name SS# Relationship Participant Acknowledgement * If a primary beneficiary in addition to or other than my spouse was designated to receive a death benefit, I certify (check one): I am not married. I am married and my spouse's consent appears on Part B of this form. I agree to notify the Plan Administrator in writing in the event my marital status changes. I also understand that payment of death benefits will be in a lump sum to my designated beneficiary unless my beneficiary selects an alternate method of payment under Plan rules, or unless the Plan requires an alternate form of payment. Signature of Participant Date Signed IF YOU ARE MARRIED AND HAVE NOT NAMED YOUR SPOUSE AS YOUR SOLE PRIMARY BENEFICIARY, PART B - THE SPOUSAL CONSENT FORM - MUST BE COMPLETED. This form is maintained by your employer. Please return this form to your Plan Administrator. You should also make a copy for your records. 9

Spousal Consent Form John J Doe 123-45-6789 Location: 9111320 Plan ID: 206895 Part B - Spousal Consent I understand that my spouse has chosen not to name me as his/her sole primary beneficiary. I also understand that if I do not sign the Spousal Consent, I will be treated as my spouse's sole primary beneficiary under the Plan. By signing this spousal consent, I hereby consent to my spouse's designation of the person(s) named on the beneficiary form as my spouse's primary and contingent beneficiaries. I acknowledge that by consenting I am forgoing all rights to my survivor benefit under the Plan (except to the extent I am listed as one of the beneficiaries on Part A). By signing this spousal consent, I certify that, as of the date set forth below, I am legally married to the Participant whose name appears on this form. Print Name of the Participant's Spouse Signature of the Participant's Spouse Date Signed Witnessed by: State of, County of, ss. On this, the day of,, before me personally appeared, known (or satisfactorily proven) to me to be the person whose name is subscribed to the Spousal Consent and acknowledged that he or she executed the same for the purpose therein contained. In witness and whereof, I hereunto set my hand and official seal. Notary Public THIS SPOUSAL CONSENT MUST BE WITNESSED BY A NOTARY PUBLIC OR YOUR COMPANY'S PLAN ADMINISTRATOR. This form is maintained by your employer. Please return this form to your Plan Administrator. You should also make a copy for your records. 10

How Do I Access My Account From A Phone? Interactive Voice Response Follow these easy steps and refer to the chart below: 1. Dial 1-888-800-5359. 2. Enter your Social Security Number and the (#) sign. 3. Enter your Personal Identification Number (PIN) and the (#) sign. 4. Listen for additional information. 11