Two methods of accessing your retirement plan are at your fingertips.
Call 1-888-563-6396 toll free to be connected to the touch-tone telephone service or visit the interactive Web site at www.gellergroup.com. Both the Participant Voice Response System and the Interactive Web Site provide you with a fast, convenient way to take an active part in investing your retirement account.

You can access your account by phone to check balances, change investment elections of future contributions, make transfers of existing account balances and model loans under your retirement plan. You can go online to do all the above and also view loans, view and print balances and transactions, view fund performance, calculate retirement income, and access quarterly reports. In addition, the Retirement Planner is an online tool that can help plan participants determine their personal investor profile and choose a corresponding investment strategy.

The Participant Voice Response System

The Participant Voice Response System is a 24-hour service accessed by calling a toll-free number: 1-888-563-6396. You may access the Participant Voice Response System from a touch-tone phone 24 hours a day, seven days a week (except during periodic maintenance).

The Interactive Web Site

To monitor and manage the investments in your retirement account online, visit www.gellergroup.com. All information is encrypted and undergoes a strict authentication process using Secure Sockets Layer security technology. This ensures that your account information, your social security number and your PIN number are kept confidential.

Respond to Changing Market Conditions

• Check Balances - You may access your retirement account as often as you like to learn your balance by money source and by each fund held in your account
  
  
• Allocate Future Contributions - You may change the allocation percentages applicable to the investment of your future contributions among the funds available under your retirement plan.
  
  
• Transfer Among Funds - You may transfer part or all of your account balances among the investment funds available under your retirement plan.
  
  
• Rebalance Portfolio - You may reallocate the investments of your existing account balances based on your current allocation percentages applicable to your future contributions. This option will realign the ending balance in each fund to be equal to the percentage used to allocate your future contributions.
  
  
• Speak to Consultants - Geller Group staff members are available to answer navigational questions during normal business hours. Simply dial '0' at any time when you are in the Participant Voice Response System, Or you may call the Participant Hotline, 1-800-GELLWIN, to speak with a benefit consultant. If you prefer, you may e-mail questions to gellwin@gellergroup.com.
  
  

Transfer Processing

You may make existing balance transfer requests at any time, by phone or online. For the transfer to be initiated on the day you request it, you must place your request by 11:00am EST. Any transfer request made after 11:00am EST or on a weekend or holiday will be initiated on the next business day.

When your transfer request is processed, shares will be sold from the funds in your account at that day's closing fund prices. Completing the processing of transactions involved in the sale and purchase of the funds in your account may take two to three business days. During this processing period, no new existing balance transfers can be processed. You will be advised that your request for a transfer is pending. Occasional service interruptions may delay the processing of your request.

Share prices and investment returns fluctuate, which may produce a gain or a loss on the sale of shares. Please review any completed balance transfers carefully. If you find a discrepancy, please contact your employer immediately.

Reported Balances

You may obtain any outstanding loan balances as well as fund balances via phone or online. The balance reported for each of your funds is based on the most recently available fund price. You are responsible for reviewing your asset allocation and future investment elections over the Participant Voice Response System or on the Interactive Web Site. If you find a discrepancy, please contact your employer immediately.

Participant Loans

• View Loans - You may obtain the issue date, current balance, payment amount, next payment date and number of remaining payments for existing loans.
  
  
• Model Loans - If your plan includes a loan provision, you may go online to view your minimum loan amount, maximum loan amount, maximum duration for a general loan, maximum duration for a residential loan and the current interest rate. You may use the Loan Calculator to determine your expected payroll payment by entering the loan amount and the number of payments.
  
  

Print Balances and Transactions

• Transaction Statement - Go online to view and print your transaction activity by fund including trade date, beginning balance, transfers, purchases, sales, contribution deposits, loan repayments, capital gains, dividends and ending balance in dollar amount and on a price-per-share basis.
  
  
• Full Statement - Go online to view and print your benefit statement, including account activity by contribution source and investment activity by fund in dollar amount and on a price-per-share basis. This statement also includes the percentage of your account balance in each fund and your current investment election for future contributions.
  
  

More Online Tools

• Fund Performance - Web technology enables you to view the fund performance, ticker, category, objective, risk, expense ratio and fund data for the funds available in your plan. Remember, past performance is no guarantee of future results.
  
  
• Retirement Calculator - You may enter a salary and a contribution percentage amount to determine estimated annual tax savings, monthly reduction in take-home pay and monthly tax savings. You may also access the Savings and Growth Accumulation table for an indication of how your funds may grow over time.
  
  
• Quarterly Reports - Go online to access quarterly reports, which are informative, and easy-to-understand newsletters. These newletters feature articles on 401(k) and retirement plan basics.
  
  
• Retirement Planner - The Retirement Planner is an online tool to help you decide how much to save and which investments will help ensure a financially secure retirement. You can build a profile based on factors that influence your retirement planning. The Retirement Planner will create a table with market values, percentage allocations, investment categories and fund category returns for your current investment choices. It will then provide you with a suggested asset allocation, based on your risk tolerance and when you plan to retire.
  
  A bar chart gives you an idea of how your current portfolio compares with the suggested asset allocation. Each of the investment funds available is then categorized so that you may build a hypothetical portfolio based upon the suggested asset allocation for each category. The Retirement Planner will then estimate how well your hypothetical portfolio will meet your retirement goals.