We offer two investment approaches to the plan sponsor:

1. Participant-Directed: This approach enables your employees to choose their own investment options from among the funds offered. The plan trustee,  American National Bank of Texas, carefully selects and closely monitors the funds offered in our plans to provide a wide variety of investment styles to meet a broad range of investment objectives and time frames. Each fund in the plan is monitored closely to make sure it is achieving its stated objectives, exhibiting style and management consistency, and meeting performance expectations. Fund performance is posted on our website monthly.

Participants have three options under this approach:

• Do-It-Yourself: Participants can make their own selections from among the asset class funds offered, creating their own portfolios and asset allocations.
• Pro-Mix: Under the Transamerica fund platform, participants take our risk tolerance questionnaire and then choose the appropriate risk-based life cycle fund from the four that are offered. For sponsors choosing the Nationwide option, participants choose the target date life cycle fund which corresponds to their date of birth and anticipated retirement date.
• Default: If participants do not choose an investment, they will be defaulted to the Manning & Napier Pro-Mix ® Moderate-Term Fund for the Transamerica investment platform. For sponsors who have the Nationwide investment platform, participants will be defaulted to the target date life cycle fund which corresponds to their date of birth and anticipated age 65 retirement date.

2. Trustee-Directed: Sponsors will select one investment for all participants from three distinct investments with varying risk categories: conservative, moderate and balanced. This option allows employers to offer a retirement plan they feel is most appropriate for their workforce. Employers with multiple worksites or other barriers to the standard employee enrollment process often choose a trustee-directed plan.