1. Products and financial services provided by the companies of OneAmerica ® M AKING IT PERSONAL – E VERY STEP OF THE WAY F IVE P OINT C HECK -U P Addressing Investment and Fiduciary Responsibilities for the Qualified Plan Sponsor

2. Products and financial services provided by the companies of OneAmerica ® M AKING IT PERSONAL – E VERY STEP OF THE WAY [Date] [Presenter’s name] [Presenter’s title] 2

3. Products and financial services provided by the companies of OneAmerica ® Plan Sponsor Concerns Five Point Retirement Plan Check-Up Summary Overview 3

4. Products and financial services provided by the companies of OneAmerica ® Participant education and fiduciary liability Do plan sponsors: Have an Investment Policy Statement (IPS) Offer participant education program Hold annual plan reviews Have a documented process Plan Sponsors Concerns? 4

5. Products and financial services provided by the companies of OneAmerica ® Reasons why plan sponsors may not have a fiduciary plan: May not have staff expertise Overwhelmed by regulations May not understand their fiduciary requirements Plan Sponsors Concerns? 5

6. Products and financial services provided by the companies of OneAmerica ® 1.Participant Education & Communication 2.Plan Fees & Expenses 3.Plan Design & Administration 4.Investment Portfolio Review 5.Fiduciary Responsibility How a Five Point Check-Up Can Assist Plan Sponsors 6

7. Products and financial services provided by the companies of OneAmerica ® The Participant Education Dilemma What do participants want?  Do-It-For-Me  Do-It-Myself Possible Options  Life Style, Life Cycle investment options  Target risk or target date funds  Auto enroll/increase Participant Education & Communication 7

8. Products and financial services provided by the companies of OneAmerica ® Does the plan have: Formal participant education program with:  Help define goals, such as:  Participation  Deferral percentage  Participant satisfaction  Schedule of meetings for:  Enrollment  Investment education  New hire orientation Participant Education & Communication 8

9. Products and financial services provided by the companies of OneAmerica ® Types of fees may include: Billed fees Investment management fees Additional asset management fees Plan Fees & Expenses 9

10. Products and financial services provided by the companies of OneAmerica ® Billed Fees May Include: Annual Administration Non Discrimination Testing Governmental Reporting Participant Fees (X*participants) Other Total / Assets = % Plan Fees & Expenses 10

11. Products and financial services provided by the companies of OneAmerica ® Investment Management: Weighted Average: Internal fund operating expenses Assessed by the investment fund Total (include 12b-1 and other expenses) Avg. Fund Expense (%) (a) Note: Some funds charge different amounts based on share class. Plan Fees & Expenses 11

12. Products and financial services provided by the companies of OneAmerica ® Additional Asset Management Fees Trust fee (%) Wrap fee (%) Other (%) (a+b) Total Investment and Asset Fees (%) (b) Asset Based Fees (%) Total (include 12b-1 and other expenses) Note: The wrap fee is an annual charge factor that may be assessed by product provider based on total plan assets. Plan Fees & Expenses 12

13. Products and financial services provided by the companies of OneAmerica ® Total Fees As a percentage of assets Total Billed Fees as a Percent Total Investment Fees (%) Total Fees as a Percent (a) (b) (a+b) Plan Fees & Expenses 13

14. Products and financial services provided by the companies of OneAmerica ® Does the plan have: Annual plan design review Documented procedures Plan design that reflects business needs  Acquisitions  Changes in ownership HCE Deferral Limits and Objectives Awareness of optional plan designs Plan Design & Administration 14

15. Products and financial services provided by the companies of OneAmerica ® Is testing completed on a timely basis? Is your plan updated for regulatory changes? Have tax law changes been communicated? Catch-up elections MRD changes Savers tax credit Safe-harbor Plan Design & Administration 15

16. Products and financial services provided by the companies of OneAmerica ® Does the plan have: Investment Policy Statement Life Style / Life Cycle Funds Asset Class Coverage Investment Monitoring 16 Investment Portfolio

17. Products and financial services provided by the companies of OneAmerica ® Investment Policy Statement A Document that Outlines  Selection  Monitoring  Replacement Investment Portfolio 17

18. Products and financial services provided by the companies of OneAmerica ® Life Style / Cycle Options Target Risk  Conservative  Moderate  Aggressive Target Date  2020  2030  2040 Investment Portfolio 18

19. Products and financial services provided by the companies of OneAmerica ® Asset Class Coverage Which assets classes does the plan offer?  Large Cap (Value and Growth / Blend)  Mid Cap (Value and Growth / Blend)  Small Cap (Value and Growth / Blend)  High Quality Bond  International Equity  Guaranteed Account  Strategic Allocation / Life Style Investment Portfolio 19

20. Products and financial services provided by the companies of OneAmerica ® Equity StyleFixed Income Style Med Low Growth Large Cap Med Cap High BlendValue Smal Cap ShortInter.Long Morningstar Style Box ™ The Morningstar Style Box TM reveals a fund's investment strategy. For equity funds, the vertical axis shows the market capitalization of the stocks owned; the horizontal axis shows investment style (value, blend, or growth). For fixed income funds, the vertical axis shows the average credit quality of the bonds owned; the horizontal axis shows interest rate sensitivity as measured by a bond's duration (short, intermediate and long). Duration is a measure of a portfolio's sensitivity to changes in interest rates. The longer the duration, the greater the price change relative to interest-rate movements. Investment Portfolio 20

21. Products and financial services provided by the companies of OneAmerica ® Investment Monitoring Is investment monitoring part of Annual Review? Does it examine Performance & Manager Turnover? Style Drift Termination Progression  Watch  Freeze  Replace Investment Portfolio 21

22. Products and financial services provided by the companies of OneAmerica ® Investment Policy Statement Is there an Investment Policy Statement (IPS)? Is the IPS reviewed annually? Fiduciary Responsibilities 22

23. Products and financial services provided by the companies of OneAmerica ® Does the plan comply with 404(c)? Investment options / selection Allow participants direction Quarterly investment changes communicated with participants Participant education programs Note: This is not a complete listing of 404(c) guidelines. Fiduciary Responsibilities 23

24. Products and financial services provided by the companies of OneAmerica ® Does the plan have: A Fiduciary file which includes:  IPS  Education program  Minutes of meetings  Documentation for actions Fiduciary Responsibilities 24

25. Products and financial services provided by the companies of OneAmerica ® Provide a prototype IPS Quarterly investment monitoring tools Diverse investment line up Plan reviews with our CSC team We Can Help You 25

26. Products and financial services provided by the companies of OneAmerica ® Disclosures Target Date Funds are designed for people who plan to retire during or near a specific year. These funds use a strategy that reallocates equity exposure to a higher percentage of fixed investments; the funds will shift assets from equities to fixed-income investments over time. As a result, the funds become more conservative over time as you approach retirement. It’s important to remember that no strategy can assure a profit or prevent a loss in a declining market and the principal value of the Target Date Funds is not guaranteed at any time, including the target date. Target Date Funds are designed to provide diversification and asset allocation across several types of investments and asset classes, primarily by investing in underlying funds. Therefore, in addition to the expenses of the Target Date Funds, an investor is indirectly paying a proportionate share of the applicable fees and expenses of the underlying funds. The funds are not guaranteed at any point and may lose value. 26

27. Products and financial services provided by the companies of OneAmerica ® Disclosures Tax qualified retirement plans from American United Life Insurance Company® (AUL) are funded by an AUL group annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Group variable annuity contracts are issued by AUL and registered group variable annuity contracts are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, 1-877- 285-3863, which is a wholly owned subsidiary of AUL. Variable products are sold by prospectus. Both the product prospectus and underlying fund prospectuses can be obtained from your investment professional or by writing to 433 N. Capitol Ave., Indianapolis, IN 46204, 1- 877-285-3863. Before investing, carefully consider the fund's investment objectives, risks, charges and expenses. The product prospectus and underlying fund prospectus contain this and other important information. Read the prospectuses carefully before investing. 27

28. Products and financial services provided by the companies of OneAmerica ® L IFE I NSURANCE | R ETIREMENT | E MPLOYEE B ENEFITS O NE A MERICA ® companies: A MERICAN U NITED L IFE I NSURANCE C OMPANY ® AUL R EINSURANCE M ANAGEMENT S ERVICES, LLC M C CREADY AND KEENE, INC. O NE A MERICA S ECURITIES, I NC. P IONEER M UTUAL L IFE I NSURANCE C OMPANY A stock subsidiary of American United Mutual Insurance Holding Company T HE S TATE L IFE I NSURANCE C OMPANY 28