ADVANTAGE THE PENTEGRA COMMUNICATION. Tools and resources to drive plan success

Pentegra Retirement Services

Our difference.

Your advantage.

At Pentegra, we believe that the right combination of plan tools and resources are central to the success of any retirement program. Pentegra’s plan sponsor tools are designed to help you

manage your plan easily and more effectively. Our comprehensive education and retirement planning resources focus on helping participants understand the financial challenge that

retirement represents and how to best maximize the plan to meet their savings goals and objectives.

Plan tools and resources to ensure successful outcomes.

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www.pentegra.com Access to

Expertise

Pentegra.com offers valuable resources for clients, including retirement plan news, trends and industry information.

• Talk to a Retirement Specialist • Current Thinking

• Webcasts

• Articles and White Papers • Regulatory and Technical Updates • Newsletters

Our Difference.

Your Advantage.

Talk To A Retirement

Specialist

“Talk to a Retirement Specialist” features insightful Q&A’s with Pentegra specialists. The topics cover a wide scope of key retirement plan design and technical issues to help you better understand the many facets of retirement plan management.

The tool also offers the ability for visitors to ask questions on featured topics. Email us at talktoaspecialist@pentegra.com with your suggestions.

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Annual Plan

Review

Our Annual Plan Review provides you with a comprehensive review of your retirement program. The review delivers detailed plan demographics, investment and asset allocation analysis and key recommendations to ensure that your plan continues to achieve successful outcomes.

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Retirement News And Technical

Updates

Pentegra is dedicated to keeping you abreast of industry developments and issues that impact your retirement program. Our team utilizes a variety of communication vehicles, including e-bulletins, newsletters, white papers, articles, and webcasts to regularly communicate with clients. These updates are shared on www.pentegra.com as well as through our plan sponsor and participant websites.

RETIREMENT ADVANTEDGE

Our Retirement AdvantEdge Regulatory and Technical updates provide guidance and support with respect to regulatory and legislative issues that impact your retirement program.

YOUR ADVANTAGE

Pentegra provides periodic updates through our e-newsletter, Your Advantage. Be sure to adjust your email settings to receive newsletters and important updates from youradvantage@pentegra.com

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Retirement Plan

News

Our Retirement Plan News newsletter is designed to provide you with valuable insights about retirement plan news and issues that impact your retirement program and to help keep you abreast of industry developments and related plan issues.

Keeping you abreast

of retirement

industry news and developments.

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Pentegra

OnLine

24/7 ACCESS

Available through our secure website, www.pentegra.com, Pentegra OnLine provides an easy and convenient way for both participants and plan sponsors to manage plan accounts and conduct transactions.

Pentegra OnLine delivers advanced plan management and reporting tools, making it easy to manage the details of your plan and access secure plan-level information and reporting at your convenience.

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Enrollment

Kit

Our “Your Retirement. Your Way” enrollment kit provides comprehensive, plan specific information. Available in print or electronic format, the kit highlights specific plan features, the importance of retirement planning, investment essentials and fund fact sheets, and outlines the advantages of participating in the plan.

Plan

understanding

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Employee Benefit

Network

The Employee Benefit Network makes plan specific enrollment information continuously available to participants online. Through this innovative retirement plan information center, you can offer your employees 24/7 access to plan enrollment information—including plan highlights, retirement planning and education information, and information on plan investments. The Employee Benefit Network is an online enrollment kit that you make available to your participants using a link from your intranet or website, or from Pentegra OnLine.

Pentegra App For

Smartphones

Participants can view their plan account using an iPhone or Android smartphone. This free App is available today from the App Store or Google Play. The App provides participants with the ability to view account balances,

Plan information

where

and

when

you need it.

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Building Blocks for Retirement

Education

Series

Pentegra’s Building Blocks for Retirement education series is designed to offer smart ways to help get your message across to participants easily and effectively. Monthly content coincides with different key calendar dates and themes. You can choose to send educational messages based on what works best for your employee group—using either the entire campaign on a monthly basis, or on a periodic basis, whenever you want to promote your plan. View the Building Blocks education series at www.pentegra.com/buildingblocks.

Reach your employees easily

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Building Blocks for Retirement

Poster and Multimedia

Series

Pentegra’s Building Blocks for Retirement poster series and multimedia presentation are designed to help you promote your plan with attention grabbing, effective messaging. With topics ranging from the advantages of participating to increasing contributions and building an investment strategy, campaign components easily remind employees of the importance of saving for retirement and how your plan can help.

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Your

Retirement

Matters

“Your Retirement Matters” our participant newsletter, offers easy to read articles covering topics such as asset allocation, diversification, and balancing risk/return. These newsletters are available on a quarterly basis, and accessible from Pentegra OnLine under the online statement section of the participant website.

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Targeted

Communications

Pentegra offers targeted, personalized employee communications that encourage participants to take action to meet specific retirement goals. Each communication focuses on a single retirement planning topic, and makes its point by incorporating personal illustrations and examples based specifically on the participant’s plan and account information.

Targeted messaging based on

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Financial

Resource

Center

Pentegra’s Financial Resource Center, accessible from Pentegra OnLine, uses engaging flash animation and in-depth educational content to take participants through the different stages of retirement planning, based on their age and proximity to retirement. These self-motivating interactive modules and tools explain and reinforce important financial concepts in smart, engaging and informative ways.

Engaging,

interactive

online financial

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Guidance and Advice

Tools

Everyone’s financial situation, time horizon and risk tolerance are different. Our Guidance Plus and Advice Plus investment education tools, accessible from Pentegra OnLine, are designed to help participants define their personal investment strategy.

GUIDANCE PLUS

Guidance Plus provides a complete array of financial planning tools designed to help participants assemble long-term financial plans and determine whether they are on track to achieve their goals, with investment guidance and recommendations, along with a personalized action plan.

ADVICE PLUS

Advice Plus provides plan participants with objective investment advice from a proven source. Advice Plus answers frequently expressed participant requests for help—with specific investment recommendations.

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Pentegra Expertise

www.pentegra.com/expertise

Talk to a Retirement Specialist

www.pentegra.com/expertise

Annual Plan Review

Pentegra OnLine

Retirement AdvantEdge www.pentegra.com/expertise

Your Advantage

Email communication from Pentegra

Retirement Plan News

www.pentegra.com/expertise

Pentegra OnLine

www.pentegra.com

Employee Benefit Network

Pentegra OnLine

Pentegra App for Smart Phones

App Store or Google Play

Building Blocks for Retirement

www.pentegra.com/buildingblocks or

Education & Poster Series

Pentegra OnLine

Your Retirement Matters

Pentegra OnLine

Targeted Comunications

On Demand Through Plan Consultant

Financial Resource Center

Pentegra OnLine

Guidance & Advice Plus

Pentegra OnLine

Plan tools and resources to drive plan success.

Learn more about the Pentegra Advantage.

Contact us at 800

872

3473 or visit us at www.pentegra.com.

Pentegra Retirement Services

Pentegra Retirement Services

108 Corporate Park Drive, White Plains, NY 10604

800

872

3473 tel www.pentegra.com

© 2013 Pentegra Retirement Services All rights reserved.