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Rigorous Quantitative and Qualitative Screening Simplified Fiduciary Responsibility

JaaFal Advisors, Inc. utilizes a highly disciplined, quantitative and qualitative approach to mutual fund analysis
Fiduciary responsibilities are effectively supported
Investment analysis and monitoring procedures
Top tier investment alternatives that meet strict criteria
More than 90 pre-screened funds in the top tier of their peer group
Funds represent 21 distinct asset classes
Criteria assessed includes: Track Record; Manager Tenure; Performance Consistency; Minimum Assets; Expenses; Morningstar Category Rating; Risk; Style Consistency; Portfolio Construction and Management Experience
Plan Sponsors may use mutual fund revenue sharing to offset plan costs

Features	Benefits to the Plan
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 Advisors shares the burden of fiduciary responsibility 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 Investment Policy Statement (IPS)
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)