1. Options for Retirement Plan Clients
Title slide
with the companies of OneAmerica®
For company and recruiting use only. Not for public distribution.
For use with financial professionals only. Not for public distribution.

2. Edward Jones Code of Conduct
OneAmerica is a sponsor of this Summer Regional Meeting. We have contributed a fee to help defer some of the costs of the meeting. Our sponsorship of this regional meeting creates a conflict of interest to the extent that you consider the sponsorship in rendering advice to your clients regarding retirement products. As a result, you CANNOT consider OneAmerica's sponsorship in determining which products to recommend to your clients.
Read slide
For use with financial professionals only. Not for public distribution.

3. Edward Jones Reasonable Access
YOU ARE PROHIBITED FROM RECOMMENDING OUR RETIREMENT PRODUCTS TO CUSTOMERS BASED ON INCENTIVES PROVIDED TO THIS FIRM AND ITS FINANCIAL ADVISORS.
Read slide
For use with financial professionals only. Not for public distribution.

4. About OneAmerica® an overview of retirement services
The companies of OneAmerica can trace their foundation back more than 135 years in the insurance and financial services industries. Our nationwide network of companies offers a variety of products, including retirement plan products and services. The companies help consumers prepare for tomorrow by helping to protect their financial futures today.
I’m here today to educate you about OneAmerica, give you some ideas that you incorporate with existing and potential clients that will help you earn more money and to ask you to give me an opportunity to earn your business.
For use with financial professionals only. Not for public distribution.

5. Retirement Services Types of plans that we service:
Retirement plan assets
$24.3 billion
Number of corporate plans
5,095
Number of tax-exempt plans
4,860
Number of participants
641,127
*Data as of 12/31/13
Types of plans that we service:
Defined Contribution (DC) Plans
401(k) Plans
403(b) Plans Including Church Plans
457 Governmental Plans
Money Purchase Pension Plans
Profit Sharing Plans
The companies of OneAmerica had combined assets of $36.4 billion under management and administration, as of December 31, Of that $36.4 billion, $24.3 billion (or 67%) are retirement assets under administration. This is attributable to 5,095 corporate plans and 4,860 tax-exempt plans. Within those plans we currently serve 641,127 participants.
The retirement plans we service includes various types of Defined Contribution (DC) plans.
For use with financial professionals only. Not for public distribution.

6. Platform Offering Platform Group Annuity Service Bundled/Unbundled TPA
Recordkeeper
AUL
Target Market
$500K to $5M
Plan Type
401(k), 403(b), 401(a)
Investments
Retail and Institutional lineups:
32 Investment Managers &
200+ Investments
An overview of our platform offering.

7. Awards & Recognition
In 2013, PlanSponsor magazine honored us with 31 “Best in Class” awards:
Less than $5 million market
Participant Services
Participant call centers
Participant statements
Range of investment options
Participant loan / withdrawal processing
Sponsor Services
Form 5500 processing
Compliance support / testing
Account / service team industry knowledge
Account / service team responsiveness
Staff consistency / lack of staff turnover
Plan design flexibility
$ million market
Participant Services
Retiree services / payments
Range of investment options
Participant loan / withdrawal processing
Sponsor Services
Form 5500 processing
Account / service team industry knowledge
Account / service team responsiveness
Staff consistency / lack of staff turnover
$ million market
Participant Services
Participant website functionality
Overall education program
Communication materials
Range of investment options
Participant loan / withdrawal processing
Participant beneficiary administration
Participant fee disclosure
Sponsor Services
Compliance support / testing
Legislative / regulatory updates
Account / service team industry knowledge
Account / service team responsiveness
Staff consistency / lack of staff turnover
Plan design flexibility
“Cost-to-value” of plan fees
We’d like to take a minute to thank you for your business and to share with you some exciting achievements we’ve had over the last months.
As one of the leading retirement plan providers, we’re proud of these accomplishments and hope they further support your decision to allow us to administer your retirement plan.
Note: Thank plan sponsors individually (not during the presentation) who may have completed the survey.

8. Retirement Plans in Your Book of Business?0?
1-2?
3-5?
More than 5?
By a show of hands, how many of you manage (read thru, scan room)
After, ask if any are managing SEPs or Simplified Employee Pension plans.
For use with financial professionals only. Not for public distribution.

9. Why Retirement Plans? Diversification Deepening client relationships
“Sticky” assets
Recurring business, consistent flow
Access to individual relationships as well as IRA rollovers
Read slide
When you say ‘recurring business, consistent flow’ you may also mention that traditional retirement plans also afford the option of additional flow over and above what the employer would contribute since the employee can make contributions as well. IRS limitations for contributions allows the employer and/or employee to contribute more with a traditional retirement plan versus a SEP plan (employer contributions only). In addition, as the advisor, encouraging the set up of match incentives, automatic plan increase, etc…may result in increased flow over time.
For use with financial professionals only. Not for public distribution.

10. Clients or Prospects? Small business owners? HR professionals?
Not for profit board members?
By a show of hands, how many of you have a client or prospect that falls into one of these categories (read thru, scan room).
If you are not managing their retirement plan, someone is or will be.
For use with financial professionals only. Not for public distribution.

11. Sources for Prospecting
Centers of influence (CPA, attorney, etc.)
Public list sources (Databases)
Existing book of business
Networking opportunities
Conferences and exhibitions
Chambers of Commerce
Civic organizations
Community organizations
Business roundtables
OneAmerica- We have access to databases and can run reports specific to your zip code
Many sources can be used to prospect including CPAs and attorneys. In addition, public list sources, or databases, as well as Chambers of Commerce and other civic and community organizations may be a valuable resource as well.
For use with financial professionals only. Not for public distribution.

12. Retirement Plan Sponsors Top 2 Concerns
Service
Fees
We can help you address both…
Read slide
For use with financial professionals only. Not for public distribution.

13. Fees Types of fees may include:
Billed fees
Investment management fees
Additional asset management fees
Earn your business statement- “If I can lower your fees and put a strategy in place to improve the service and efficiency of your plan, can I earn your business?”
When reviewing a plan fees and expenses, plan sponsors should know the types of fees that may be associated with their plan. Some types of fees are: billed fees, investment management fees, and additional asset management fees.
We’re going to focus on addressing the lowering investment side of fees in retirement plans, resulting in overall cost savings to the plan
For use with financial professionals only. Not for public distribution.

14. Prospecting Idea- Integrate Index Investments into Retirement Plans
Transition slide
For use with financial professionals only. Not for public distribution.

15. Growing adoption
Asset breakdown as a percentage of total DC assets
2004
2012
As you can also see, index funds are continuing to make up a greater portion of total DC plan assets – 28% in 2004 compared to 50% in 2012.
A report published by The McKinny Group in 2007 predicted that by the year 2015, index assets would make up 24% of total DC plan assets. Index assets are growing at a much faster pace then many industry experts had predicted some years back.
Source: Vanguard: Index TDFs Gobbling up DC Plan Assets, 2013
For use with financial professionals only. Not for public distribution.

16. Benefits of Indexing Advantages Considerations Reduction in plan costs
Benchmark performance
Consistent exposure to asset classes
Diversification of investment strategies
Considerations
No chance for outperformance vs. a benchmark
Average expense ratios1
Index and active mutual funds, institutional only
While the decision to incorporate index funds as part of a plan’s overall investment strategy should align with the needs of the general plan population and plan goals, there are some standard advantages and considerations for every plan to think about.
The graph to the right showcases the difference in average expenses between actively managed funds and index funds. Index funds tend to cost much less because it is not necessary for portfolio managers to actively monitor them; meaning that underlying investments are not being routinely traded in and out. The underlying investments mirror that of their benchmark and so they have more of a “buy and hold” approach. In addition, there is not the extensive research and due diligence required on the part of the investment team for an index fund.
1. Morningstar, January 2013
For use with financial professionals only. Not for public distribution.

17. Index(k)™ Investment Options
The below options are available through Index(k):
Index(k) options
Index Funds Target Date Options
BlackRock Equity Index Fund
BlackRock LifePath® Index 2050 Fund
BlackRock Mid Cap Equity Index Fund
BlackRock LifePath® Index 2045 Fund
BlackRock Russell 1000® Index Fund
BlackRock LifePath® Index 2040 Fund
BlackRock Russell 2000® Index Fund
BlackRock LifePath® Index 2035 Fund
BlackRock Russell 2000® Value Fund
BlackRock LifePath® Index 2030 Fund
BlackRock Russell 2000® Growth Fund
BlackRock LifePath® Index 2025 Fund
BlackRock EAFE Equity Index Fund
BlackRock LifePath® Index 2020 Fund
BlackRock Emerging Markets Equity Index Fund
BlackRock LifePath® Index 2015 Fund
BlackRock U.S. Debt Index Fund
BlackRock LifePath® Index Retirement Fund
AUL Stable Value
In collaboration with Blackrock, the world’s largest investment manager, the companies of OneAmerica® offer Index(k)™ as a unique retirement plan offering focused exclusively on indexed investing.
Read slide
9 core index investments
9 target date investments
Average cost of investments bps
For use with financial professionals only. Not for public distribution.

18. Index(b)™ Investment Options
The below options are available through Index(b):
Index(b) options
Index TARGET DATE options
TIAA-CREF Large Cap Value Index
TIAA-CREF Lifecycle Index 2010
TIAA-CREF Large Cap Growth Index
TIAA-CREF Lifecycle Index 2015
TIAA-CREF Bond Index
TIAA-CREF Lifecycle Index 2020
TIAA-CREF Emerging Markets Equity Index
TIAA-CREF Lifecycle Index 2025
TIAA-CREF International Equity Index
TIAA-CREF Lifecycle Index 2030
State Street Equity 500
TIAA-CREF Lifecycle Index 2035
Columbia Mid Cap Index
TIAA-CREF Lifecycle Index 2040
Columbia Small Cap Index
TIAA-CREF Lifecycle Index 2045
TIAA-CREF Lifecycle Index 2050
TIAA-CREF Lifecycle Index 2055
TIAA-CREF Lifecycle Index Retirement Income
AUL Stable Value
In addition to the Index(k) funds, the companies of OneAmerica® also worked with TIAA-CREF to offer Index(b) as an index investment option for 403(b) plans.
Read slide
8 core index investment options
10 target date options with an Retirement Income option
Average cost of investments is 38 bps (which is offset 25bps of revenue sharing)
For use with financial professionals only. Not for public distribution.

19. Why Indexing? For plan sponsors who: For financial advisors who:
Need an alternative to underperforming active managers
Are looking for lower cost investment options
Seek total transparency and disclosure
Need beta solutions in order to spend their time focusing on other aspects of their retirement plan
For financial advisors who:
Want to change conversations with clients from investment selection/replacement to plan design and participant outcomes
Seek to provide increased value through the recommendation of appropriate cost-saving investment options for their clients
Want to lower plan costs to the benefit of plan sponsor and underlying participants
The companies of OneAmerica®, in conjunction with BlackRock and TIAA-CREF, have worked to provide low-cost index investment options for retirement plan sponsors and financial professionals who:
• Need an alternative to underperforming active managers
• Are looking for lower cost investment options
• Seek total transparency and disclosure
• Need beta solutions in order to spend their time focusing on other aspects of their retirement plan
In addition, Index(k) may be an option for financial professionals who:
Want to change conversations with clients from investment selection/replacement to plan design and participant outcomes
Seek to provide increased value through the recommendation of appropriate cost-saving investment options for their clients.
For use with financial professionals only. Not for public distribution.

20. Improve Service/Efficiency
Transition slide
For use with financial professionals only. Not for public distribution.

21. Service/Efficiency
Periodic investment reviews are less time consuming as the investments will generally manage to a benchmark
Focus on plan design/participant outcomes
Increase participation rates by improving plan education or auto deferrals/company match alterations
Improve investment diversification by improving investment education
Read slide.
For use with financial professionals only. Not for public distribution.

22. Participant Education & Communication
Develop or let us help you develop a formal participant education program:
Define goals, such as:
Participation
Deferral percentage
Participant satisfaction
Schedule meetings for:
Enrollment
Investment education
New hire orientation
Read slide.
For use with financial professionals only. Not for public distribution.

23. One Day is Today Program
Comprehensive Participant Communication/Education to Compliment Your Effort to Earn Participants’ Business
One Day is Today Program
For employees who are new to the plan (or whose plan has transitioned to us)
Topics such as:
Transition & Enrollment
Match Information
Consolidating Accounts
For retirement preparation “beginners” of any age
Topics such as:
Retirement Basics
Setting Goals
Starting Early
Our communication platform is based on key messages and is translated into 5 categories designed to educate and assist participants in becoming retirement ready – they range from getting started to investing to nearing retirement as well as personal finance. They are color coded for ease of use for plan sponsors but also for participant. Simple messaging and numerical steps are used to outline the critical next steps they need to take. We also provide a sample calendar for plan sponsors.
For plans between $5-$10Million, we also offer the option of including the plan sponsor’s logo on the ODIT materials.
To assist employees with other aspects of their financial life
Topics such as:
Managing Debt
College Savings
Household Budgeting
Investment education materials
Topics such as:
Investment Basics
Market Volatility
Asset Allocation
For those who will be retiring soon
Topics such as:
Investing During Retirement
Making Retirement Assets Last
Distribution Options
For use with financial professionals only. Not for public distribution.

24. Local Service Reps to Assist You/Your Client(s)
Field Based Client Service Personnel
Helps plan sponsor understand fiduciary and compliance responsibilities
Conducts plan installation meeting
Schedules ongoing enrollment meetings
Holds plan reviews together with financial professionals
Coordinates enrollment kit orders
Provides plan information & education
Our team here has grown to support our clients and it shows in the service we are able to provide. As a local team, we get to know our clients, and when there is a problem we sit down and contact our corporate office and make sure it is resolved. Client retention is important to use, we don’t just want you to like us today, we want you to like us for years to come. We are here to help you.
Another resource Neil Bryant. Neil is our Edward Jones internal specialist that resides in the Edward Jones headquarters in St. Louis along with the retirement services team.
For use with financial professionals only. Not for public distribution.

25. JonesLink: WEB
The Employer Retirement Plan Questionnaire, found on Joneslink: WEB107130
This questionnaire provides a streamlined way to gather more information (how many employees, etc.) during the first appointment. You should take at least 30min to review the questionnaire with the decision maker to make sure you understand all of their needs and details of the plan.
We recommend that you immediately schedule a follow-up meeting with the client to review possible solutions based on the questionnaire.
Once you've gathered the information, you can then take this form and submit it to the retirement services to generate a sample plan illustration. This is what you will review with the client at your second apt and will help you determine which retirement solution is best based on the clients needs.
For use with financial professionals only. Not for public distribution.

26. MKT- 1993
These Edward Jones marketing pieces will convey how you can meet business owners' personal and business needs.
PRT C
For use with financial professionals only. Not for public distribution.

27. What do I do next?
Identify and schedule an appointment with your top 3 business owners, board members or HR professional clients
Earn your business statement- “If I can lower your fees and put a strategy in place to improve the service and efficiency of your plan, can I earn your business?”
Use the employer retirement plan questionnaire to gather information
Contact (enter wholesaler’s name and contact information) or Neil Bryant at jones.com/ and discuss options for the client
Give us a chance to earn your business
Read bullets
2nd bullet- Identify pain points? What is the problem with the plan today? Fees? Service? Lack of retirement readiness? Ask the client, if you can come up with options to address that/those problems, can you earn their business?
For use with financial professionals only. Not for public distribution.

28. Disclosures
The strategies referred to in this publication are among various investment strategies that are managed by BlackRock as part of its investment management and fiduciary services. Strategies may include collective investment funds maintained by BlackRock Institutional Trust Company, N.A., which are available only to certain qualified employee benefit plans and governmental plans and not offered to the general public. Accordingly, prospectuses are not required and prices are not available in local publications. To obtain pricing information, please contact your local service representative.
 BlackRock Institutional Trust Company, N.A., a national banking association operating as a limited purpose trust company, manages the investment strategies and other fiduciary services referred to in this publication and provides fiduciary and trust services to various institutional investors. Strategies maintained by BlackRock are not insured by the Federal Deposit Insurance Corporation and are not guaranteed by BlackRock or its affiliates.
BLACKROCK, LIFEPATH, and iSHARES® are registered trademarks of BlackRock. All other trademarks, service marks or registered trademarks are the property of their respective owners. DC-0063
All statements herein are qualified by, and any offer is made solely pursuant to, a final offering document and investment management agreement. No offer to purchase units in any fund will be accepted prior to receipt by the offeree of these documents and the completion of all appropriate documentation.
Disclosure slide.
For use with financial professionals only. Not for public distribution.

29. Disclosures
Investing involves risk, including possible loss of principal. The principal value of the funds is not guaranteed at any time including at and after the target-date. Asset allocation models and diversification do not promise any level of performance or guarantee against loss of principal. Investment in the funds is subject to the risks of the underlying funds.
The strategies discussed are strictly for illustrative and educational purposes and should not be construed as a recommendation to purchase or sell, or an offer to sell or a solicitation of an offer to buy any security. There is no guarantee that any strategies discussed will be effective. The information provided is not intended to be a complete analysis of every material fact respecting any strategy.
All group variable annuity contracts are issued by American United Life Insurance Company® (AUL), One American Square, Indianapolis, IN , Registered group variable annuity contracts are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN , McCready and Keene provides administrative and record keeping services and is not a broker/dealer or an investment advisor. Neither AUL, OneAmerica Securities, McCready and Keene nor their representatives provide tax, legal or investment advice.
For use with financial professionals only. Not for public distribution.
Disclosure slide.
For use with financial professionals only. Not for public distribution.

30. Disclosures
The underlying mutual fund investments selected by your plan’s investment advisor are held in trust by Wilmington Trust Retirement and Institutional Services Company, a non-depository trust company that acts as a custodian and/or directed trustee. These investments are not deposits or obligations of or guaranteed by Wilmington Trust, and are not insured by the FDIC, the Federal Reserve, or any other governmental agency.
Mutual Funds are sold by prospectus. The prospectus contains important information about the fund. Before investing any money, plan participants should read the prospectus and carefully consider the fund's investment objectives, risks, charges and expenses. Investing involves risk, including the potential loss of principal. To obtain a copy of the prospectus, the participant should contact the plan's investment advisor or the mutual fund company directly.
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, 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.
The Index is comprised of an unmanaged portfolio of stocks with no fees or expenses reflected in the performance. Individuals cannot invest directly in an index.
Disclosure slide.

31. Disclosures
Target Date Funds are designed for people who plan to retire and begin taking withdrawals 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 principal amounts invested into these funds are not guaranteed at any point and may lose value.
The AUL Stable Value Account is provided through an AUL Group Annuity Contract and is supported by the general account of AUL. It is not a separate account, and plan participants do not own units, any portion of, or any entitlement to the AUL general account. Please refer to the applicable AUL Group Annuity Contract for more information on the Stable Value Account.
BlackRock, Inc., TIAA-CREF, Vanguard, and Wilmington Trust Retirement and Institutional Services Company are not affiliates of McCready and Keene, Inc. or AUL and are not OneAmerica companies.
Disclosure slide.
For use with financial professionals only. Not for public distribution.

32. LIFE INSURANCE | RETIREMENT | EMPLOYEE BENEFITS
ONEAMERICA® companies:
AMERICAN UNITED LIFE INSURANCE COMPANY®
AUL REINSURANCE MANAGEMENT SERVICES, LLC
MCCREADY and KEENE, INC.
ONEAMERICA SECURITIES, INC.
PIONEER MUTUAL LIFE INSURANCE COMPANY
A stock subsidiary of American United Mutual Insurance Holding Company
THE STATE LIFE INSURANCE COMPANY
Branding slide