1. EXECUTIVE SUMMARY February 2010

2. Stable Two Financial Independent Registered Investment Advisor Exclusively focused on Retirement Plans Highly experienced with deep expertise Uniquely positioned to advocate for clients Low cost

4. Benefit costs are increasing

5. Service providers are reducing services

6. Pricing and service provider economics are rapidly changing

7. Employees are increasingly anxious

8. Department of Labor audit activity is increasing

9. Retirement plan litigation is escalatingPlan sponsors need a new kind of assistance

11. Relationship management, Implementation

12. Marketing

13. Sales

14. Product DevelopmentsHas a minimum of 15 years of retirement plan experience Supported thousands of retirement plan sponsors Accredited Investment Fiduciary Certified Employee Benefit Specialist Investment Adviser Representative ERISA Compliance Expert Offices in Cincinnati, Dallas, and Denver

15. STABLETWO FINANCIAL PROVIDES RETIREMENT PLAN GOVERNANCE AND OVERSIGHT Oversight Governance 1) Fiduciary Committee: design, set appointments, facilitate, and document 2) Fiduciary Services: investment policy, investment reviews, watch list, specific recommendations 3) Annual Fiduciary Record: preparation and retention 4) Fiduciary Training: prepare plan officials 1) Regulatory Changes: specific guidance and recommendations & manage plan document amendment process 2) Plan Expense: immediately reduce your cost and provide ongoing monitoring 3) Independent Benchmarking: service providers, participant education, and plan design 4) Best Practices: provide key learnings We serve as a fiduciary for your retirement plan

17. Fiduciary Process Oversight

18. Fiduciary Committee Design

19. Fiduciary Committee Facilitation

20. Risk Reviews

21. Plan Expense Analysis

22. Participant Education Benchmarking

23. Full Fiduciary Documentation Package

24. Preparation of Participant Notices

25. Assistance with VCP Filings

26. Plan Investment Reviews

27. Investment Policy Statements

28. Investment Recommendations

29. Monitoring of Regulatory Changes

30. Plan Design Consulting

31. Service Provider Benchmarking

32. Negotiating Fee Reductions

33. Negotiating Service Enhancements

34. Plan Provider Search and Due Diligence

36. STABLE TWO FINANCIAL IS DIFFERENT

37. STABLE TWO FINANCIAL IS DIFFERENT

38. Stable Two Financial Independent Registered Investment Advisor Exclusively focused on Retirement Plans Highly experienced with deep expertise Uniquely positioned to advocate for clients Low cost