for a brighter tomorrow

The expert adviceand step-by-step guidance your employees deserve...

In partnership with America’s Best 401k

for a brighter tomorrow

• Give employees expert 401k investment advice that is accessible,personalized, unbiased and actionable.

• Increase plan participation and employee savings rates with actionableinvestment

advice that is tightly integrated into your 401k plan.

• As an SEC registered investment adviser, Jemstep helps you support yourfiduciary

responsibility with trusted investment advice and employee

education.

• Expert advice on the funds and allocations that are right for themdelivered in a straight- forward Action Plan.

• Personalized and non-biased direction designed to their needs, with theoption to receive advice for retirement savings accounts outside of their401k plan.

•

How we help employees:

Help your employees look forward to retirement Few things are more important to your employees’ financial well-being than the decisions they make about how to invest their 401(k) savings. That’s why Jemstep gives employees expert, unbiased, advice on how to invest and manage their 401(k) in an easy-to-use online service.

How we help you:

Step-by-step guidance and ongoing support to keep them on track forreaching their goals.

for a brighter tomorrow

Three easy steps to manage & grow their savings

Employees answer a few questions about themselves and their retirement goals.

1

for a brighter tomorrow

Three easy steps to manage & grow their savings

They link their accounts, starting with their 401(k).2

for a brighter tomorrow

Three easy steps to manage & grow their savings

Jemstep gives them a personalized Action Plan that shows them which funds to own in their 401(k) account, right down to the specific percentages for each fund.

3

for a brighter tomorrow

Work with a leader you can trustJemstep is the leading online investment advisor providing expert advice on how to invest your 401k and other retirement savings accounts. Based on Nobel Prize-winning economic research and patented portfolio optimization technology that reviews more than 38K mutual funds and ETFs daily, Jemstep delivers step-by-step guidance that is accessible, personalized and always unbiased.

Jemstep works with employers and plan providers to give millions of Americans the investment advice they need to have a more secure retirement. A Registered Investment Advisor with the SEC, Jemstep is led by a team of experts with over 100 years’ combined experience in financial management and technology innovation and development.

Jemstep is an SEC registered investment adviser. Form ADV2 is available at www.jemstep.com. Copyright 2013 All rights reserved.

email web mail busdev@jemstep.com www.jemstep.com 5150 El Camino Real, Suite C-20, Los Altos, CA 9402

“a truly objective, simple,ultrasmart retirement-planningtool...“

“the best practices ofprivate wealth managementcombined with the bestanalytics and investingtheory”

“recommends how to invest 401K savings based on [your] entire portfolio”

“advice is objective anduntainted by any third-partyinfluence”