JaaFal iAdvise Program with custom alternatives

For clients who may require the ability to add specific investments
Provides all the same features and benefits as JaaFal iAdvise Program
Allows for custom selection of investment alternatives for the plan
JaaFal Advisors, Inc. utilizes a highly disciplined, quantitative and qualitative screening process according to set criteria for the custom alternatives program
Fiduciary responsibilities are effectively supported
Investment analysis and monitoring procedures
Top tier investment alternatives that meet strict criteria
Criteria developed in cooperation with Plan Sponsors and may include: Track Record; Manager Tenure; Performance Consistency; Minimum Assets; Expenses; Morningstar Category Rating; Risk; Style Consistency
Plan Sponsors may use mutual fund revenue sharing to offset plan costs

Features	Benefits to the Plan
Flexibility	We work with Plan Sponsors to determine fund suitability to the JaaFal Policy Statement (IPS) Ongoing monitoring and notification to employees
Unbiased Investment Advice	Disciplined quantitative and qualitative analysis JaaFal and its affiliates do not retain any fund-related reimbursements for advisory services JaaFal is not a fund manager
Broad Investment Options	Committed to objectivity: we assess the breadth of mutual fund options Appropriate recommendations made based on plan needs Screening process defines fund alternatives well-suited to the plan � without bias
Fiduciary Support	JaaFal Adviors shares the burden of fiduciary responsibility when funds meet screening requirements We'll even put it in writing Decades of retirement experience
Employer Communication	Written quarterly reports Measures fund performance and characteristics relative to criteria stated in the IPS Written annual summary provides a more in-depth analysis and summary of each fund
Stringent Monitoring	Ensures that fund track record is consistently strong Stability and consistency of investment management expertise is evaluated Strength of investment management firm taken into account Monitors investments to assure they have met prudent criteria Fund expense requirements translate into shareholder efficiency Retains consistency in the asset class
Convenience	Account information available Access information over the phone through our Interactive Voice Response system (IVR)