1. www.educatedinvestor.com The Financial Fitness Challenge

2. www.educatedinvestor.com What is the Financial Fitness Challenge (FFC)? Your personal financial heath is as important to your and your family’s well-being as your physical health! That’s why we are starting the 2013 Financial Fitness Challenge! Our company has teamed up with other top organizations to provide YOU with an award-winning financial education program designed to help you become financially fit! Welcome to the Financial Fitness Challenge!

3. www.educatedinvestor.com What is the Financial Fitness Challenge (FFC)? The Financial Fitness Challenge is a simple, fun and exciting way to help you take control of your personal finances. It is an online Financial Education Program designed to help you become more informed about personal finances and retirement – and it’s FREE and confidential. You invest 1 hour a week for 5 weeks and in return you and your family gain knowledge that will help you in your financial decisions.. Welcome to the Financial Fitness Challenge!

4. www.educatedinvestor.com What is the Cost? What is the Benefit to Me! “Our company has been awarded a $25,000 scholarship to provide financial education to our employees”. So this spring we are providing up to 500 people (employees, family members, etc.) the opportunity to participate in the Financial Fitness challenge – this is a $50 value per person – FREE! This is a FREE benefit to you that can help you, learn more about personal financial decisions and improve your financial well-being! Welcome to the Financial Fitness Challenge!

5. www.educatedinvestor.com FFC is event-based learning, so it’s fun and exciting! FFC: The Challenge We will provide you with: A personal user name and login Award-winning curriculum and technology Unbiased and independent content Convenient, simple, and engaging user experience Available online 24/7 Pre- and post-testing will track improvements Weekly progress updates via automated emails from campaigns@educatedinvestor.com campaigns@educatedinvestor.com

6. www.educatedinvestor.com One hour per week for 5 weeks. Available online 24/7. Topics include: 1. Saving and Investing 2. Investing Basics 3. Investment Strategies 4. Retirement Planning 5. Mutual Funds FFC: Coursework

7. www.educatedinvestor.com 7 Program Timeline Simple Four-Step Process April – June 2013 FFC: Program Overview

8. www.educatedinvestor.com Initial Quiz & Survey April 2013 Online Course Work April – June 2013 Final Quiz & Survey June 2013 Quick quiz on financial knowledge Short survey on financial behavior Goal is to complete one course per week Average time of 0.5 to 1.5 hours per course Individuals must pass every course with a 75%+ to earn certificate. Pre- and post-tests and surveys Quick quiz on financial knowledge Short survey on financial behavior FFC: Timeline Details

9. www.educatedinvestor.com FFC: Proven Results. Expect Success! Financial Education at Work Improvement in Knowledge Participation Rates Want to Learn More 30 % 80 % 92 % Significant Improvement in Behaviors Build a Budget Build a Budget Financial Plan Financial Plan Retirement Savings Retirement Savings New Savings New Savings Decrease Debt Decrease Debt Fewer Late Fees Fewer Late Fees Financial Stress Financial Stress Up to improvements in behaviors 70%

10. www.educatedinvestor.com “This has been a great experience and the feedback that I have received has been very positive... I think the job you guys do is amazing and I'm proud to have been part of this Challenge.” Rich Hunt, Director of Retirement Services, Major League Baseball FFC: Proven Results. Expect Success! Other companies are already getting results! “This has been a great experience and the feedback that I have received has been very positive.... The job you guys do is amazing and I'm proud to have been part of this program.” Rich Hunt, Director of Retirement Services, Major League Baseball

11. www.educatedinvestor.com FFC: Your Dashboard

12. www.educatedinvestor.com FFC: Your User Experience

13. www.educatedinvestor.com FFC: Your User Experience

14. www.educatedinvestor.com 14 FFC: Program Completion Certificate

15. www.educatedinvestor.com 15 FFC: We’re Competing, Too! Our recognition level will be based on the percentage of participating employees that complete the program.

16. www.educatedinvestor.com FFC: FAQs Q: How much will I have to pay to participate? A: NOTHING! FFC is available at no cost to you thanks to your employer, program partners and sponsors. The program is valued at over $50 per participant. Q: When do I complete the FFC program? A: FFC is available ONLINE 24/7. You can use your home or work computer, as well as your tablet and even your smartphone. Q: Do I need speakers for the FFC courses? A: NO. The program is designed to NOT require audio. Q: If I need to stop in the middle of a course, can I pick up where I left off? A: Absolutely. The system keeps track of your progress and indicates where you left off. Q: What is the passing score for each course? If necessary, can I retake the exams? A: You must earn a 75% or higher on each course exam. YES! You may retake exams as many times as you need; only the highest score will be counted.

17. www.educatedinvestor.com FFC: FAQs Q: Why is financial education important? A: Average Americans score less than 55% on basic financial literacy tests A: Many individuals find financial jargon intimidating A: 67% feel they don’t know enough to make sound financial decisions A: 70% want more information about budgeting, investing, and retirement Q: Why should I participate in FFC? A: Increase your financial knowledge to make better decisions about money, saving, decreasing debt, investing and retirement, and much more. - Greater financial knowledge leads to improved financial decisions/behavior A: Enhance your understanding of benefits like 401(k), retirement saving plans, and more - Invest in yourself by making smarter decisions for your future A: Learn more about how to make your money work for you! A: FFC is a WIN-WIN-WIN - You learn how to prepare for your financial future while gaining useful knowledge to use on the job - Your organization gains better equipped employees, which leads to happier employees and workplace Q: How and when can I access the FFC program? A: You can access the program 24/7 using any browser on computers, tablet devices and smart phones.