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*Loring Ward is considered to be an investment manager under §3(38) of the Employee Retirement Security Act of
1974 (ERISA) only for those portfolios administered by Loring Ward. Plan advisors and trustees may have other
fiduciary obligations independent of those which are assumed by an ERISA §3(38) investment manager.

*Investment advisory and administrative services provided by LWI Financial Inc. ("Loring Ward"). IRN 10-350
(12/10)

Better Retirement Plans, Made Simple

At Loring Ward Total Retirement, we provide
innovative, low cost 401(k) plans. All our
plans include: