Paul B. Zimmerman, Inc. Sales Proposal

Investment Options

Investment Platform

1. Active Platform • Primarily uses active mutual fund options • More investment return potential with more investment risk potential • Average expense ratio of 0.49% as of 1.1.2018

2. Index Platform • Primarily uses index fund options

• Returns are generally closer to the category average • Average expense ratio of 0.09% as of 1.1.2018

Fund Line-up Funds in 15 assets categories:

• Large Growth • Large Blend • Large Value • Mid-Cap Growth • Mid-Cap Blend

• Mid Cap Value • Small Growth

• Balanced Fund • Short-Interm Bond • Interm-Long Term Bond • High Yield Bond • Stable Value

• Small Value • International • Emerging Markets

Click here to see the available funds and expense ratios.

Portfolio Managers

3

20

20

40

40

60

60

80

97

80

View the selection of portfolio managers.

Click here for more information on Investments.