ActiveAllocation

The foundation of our investment management style is our ActiveAllocation process. ActiveAllocationcombines traditional allocation techniques with a forward-looking analysis of prevailing economic andgeopolitical conditions. This exhaustive process helps us identify and select the most suitable funds fromthe plan's menu of investment options, and recommend specific portfolios for the participants of the plan.

The portfolio selection process begins by reviewing the response to our risk profile analysis. This providesan understanding of a client’s account objectives and tolerance for risk. Next, a comprehensive review ofthe existing plan options is conducted in order to determine the appropriate investments for the retirementportfolio. This important step involves a careful review of the management team and a detailed analysis ofperformance, risk, and style purity.

Core components of ActiveAllocation include:• A dynamic asset allocation approach that repositions resources among asset classes when

perceived opportunities in the markets exist• Detailed investment analysis and manager reviews • Utilizes both a holdings- and returns-based approach to mutual fund analysis

The following illustration outlines the ActiveAllocation process:

This unique approach, coupled with the ability to make ongoing modifications to a client’s portfolio, creates a level of account management traditionally enjoyed by large institutions and high net worth individuals.

To learn more about how StraightLine Advisors can benefit your company retirement plan or your individual planaccount, please visit our website at www.straightlineadvisors.com, or call us toll-free at 1-866-401k-advice.

ActiveAllocation � Investment selection and portfolio design for retirementplan investors.

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ConsultingComplete

Today more than ever, plan sponsors are looking for assistance with the company retirement plan.ConsultingComplete is a service that provides plan sponsors with a partner in managing their fiduciaryresponsibilities. Our service provides ongoing monitoring of various plan components including investmentselection and performance, plan design and fees, and participant use and education. Our third-party position allows us to provide objective insight unavailable elsewhere. When combined with the allocationand portfolio modeling tools we provide, plan sponsors can increase the effectiveness of their plan whilehelping employees select the most suitable investments. ConsultingComplete was designed to improve theoverall retirement plan benefit offered to employees, while delivering a flexible platform that allows plansponsors to select the components that are appropriate for the plan.

Features of ConsultingComplete include:

• Quarterly fiduciary review• Plan design evaluation• Market and legislative commentary• Fund-specific allocation modeling for participants• Investment performance and selection

– Manager style review– Benchmark performance– Peer group comparison– Third-party recommendations

The cost of ConsultingComplete is plan-specific. We quote our services based on a variety of factorsincluding plan size (assets), number of participants, investments available and services desired. For moreinformation, please visit www.straightlineadvisors.com, or call us toll-free at 1-866-401k-advice.

ConsultingComplete � Plan level and fiduciary support for corporate plansponsors.

THE SHORTEST DISTANCE BETWEEN YOU AND RETIREMENT SUCCESS

ProAdvice

For retirement plan participants who are comfortable making decisions concerning their 401(k) or similaraccount, but are looking for solid advice on fund selection and allocation mix, ProAdvice is the perfectsolution. ProAdvice offers retirement plan participants access to objective advice that is tailored to theirspecific needs. We use our ActiveAllocation process in developing all investment and market related recommendations for plan participants. This process enables StraightLine to find the allocation that is mostappropriate. The final decision to implement the recommendation is in the hands of the investor, and all ittakes is a single mouse click. ProAdvice — helping retirement plan investors make sense of it all.

Here are some highlights of ProAdvice:

• Custom risk analysis to determine your appropriate allocation• Unbiased portfolio selection using your plan's investment options• Continuous monitoring of all investments contained in the company plan• Actionable advice that is convenient to implement using StraightLine's website• Account representatives to answer questions and provide guidance• Information and assistance with fund transfers, IRA rollovers, and other outside financial needs

ProAdvice is a fee-based service. A data feed interface with the plan recordkeeper is required. Your employer’sparticipation may reduce your actual cost. For more information, or to subscribe to ProAdvice, please visitwww.straightlineadvisors.com, or call us toll-free at 1-866-401k-advice.

ProAdvice � Retirement plan advice for the do-it-yourself investor.

THE SHORTEST DISTANCE BETWEEN YOU AND RETIREMENT SUCCESS

DiscretionaryDirect � Full service account management for the retirementplan investor.

DiscretionaryDirect

DiscretionaryDirect brings the benefits of an objective, third-party investment manager to the retirementplan participant. Many participants lack the time, experience or interest to stay current with the markets andunderstand the investment options in their plan. What these retirement plan investors are looking for is professional account management. DiscretionaryDirect utilizes our ActiveAllocation process to handle allinvestment and market related decisions on the participant’s behalf. We then manage your account on anongoing basis by taking discretionary control. We bring Wall Street to Main Street by helping you movetoward retirement success.

DiscretionaryDirect also includes:

• Custom allocation built around your risk profile and investment needs• Unbiased portfolio selection using your plan's investment options• Continuous monitoring of all investments contained in the company plan• Access to retirement planning tools and investment and market related commentary• Web-based archiving of all account activity• Account representatives to answer questions and provide support• Regular client communications including newsletters, email and webcast presentations• Information and assistance with fund transfers, IRA rollovers, and other outside financial needs

DiscretionaryDirect is a fee-based service. A data feed interface with the plan recordkeeper is required. Youremployer’s participation may reduce your actual cost. For more information, or to subscribe toDiscretionaryDirect, please visit www.straightlineadvisors.com, or call us toll-free at 1-866-401k-advice.

THE SHORTEST DISTANCE BETWEEN YOU AND RETIREMENT SUCCESS

PersonalPortfolio is a service designed to bring the benefits of an objective, third-party investment manager tothe retirement plan participant. Many plan participants lack the time, interest or knowledge to study the markets and learn about the funds in their plan. In fact, many of these investors would rather have a professionalmanage their account for them. Yet, most retirement plans currently don’t offer access to professional accountmanagement. PersonalPortfolio was developed with the needs of the individual plan participant in mind. Wemanage your account by using our ActiveAllocation process to handle all investment and market related decisions. We bring Wall Street to Main Street by helping you move toward retirement success.

PersonalPortfolio also includes:

• Custom allocation built around your risk profile and investment needs• Unbiased portfolio selection using your plan's investment options• Continuous monitoring of all investments contained in the company plan• Access to retirement planning tools and investment and market related commentary• Web-based archiving of all account activity• Account representatives to answer questions and provide support• Regular client communications including newsletters, email and webcast presentations• Information and assistance with fund transfers, IRA rollovers, and other outside financial needs

PersonalPortfolio is a fee-based service. For more information, or to introduce your company to the benefits of StraightLine Advisors, please visit our website at www.straightlineadvisors.com, or call us toll-free at 1-866-401k-advice.

PersonalPortfolio � Full service account management for the individualretirement plan participant.

PersonalPortfolio

THE SHORTEST DISTANCE BETWEEN YOU AND RETIREMENT SUCCESS