Partnering for Success with DBDevNet, LLC July 2003

1. Schwab Retirement Technologies Partnering for Success with DBDevNet, LLC July 2003

2. Retaining Customers Winning New Business Improving Profitability Market Product Trends Functionality Focused on Your Success Technology Technology DBDevNet, LLC

3. DBDevNet, LLC Database Consulting • Software Development • Network Consulting SchwabRetirement Technologies™ Consulting Partner

4. Introduction to DBDevNet, LLC • DBDevNet, LLC was founded near Raleigh, NC by Dawn and Jeff Brown in 1994 • The Browns have provided consulting services to clients that utilize the Schwab RT Recordkeeping system for more than twelve years • DBDevNet provides a full range of services for users of the Schwab RT software DBDevNet, LLC

5. DBDevNet, LLC Services • Consulting • Training • Custom Software Development • Documentation DBDevNet, LLC

6. Consulting Services • Provide consulting services in the following areas: • Reconciliation of plan and participant accounts • Departmental operations and procedures • Conversion of plans from predecessor systems • Recordkeeping of plans DBDevNet, LLC

7. Microsoft SQL Server™ Consulting Services • Provide assistance in the following areas: • Preparation/clean-up of data prior to conversion from Pervasive to SQL • Migration of data to SQL version of Schwab RT Recordkeeping DBDevNet, LLC

8. DBDevNet, LLC Training • Offer the following types of training: • Operation of the Schwab RT Recordkeeping software • Utilization of the TBOL report writer • Development of reports using Crystal Reports DBDevNet, LLC

9. Custom Software Development • Develop the following custom software: • TBOL programs • Crystal Reports • Trade Data Interchange (TDI) software • Custom add-on applications DBDevNet, LLC

10. Custom Documentation • Create the following types of documentation: • Customized Schwab RT Recordkeeping module documentation • Customized daily operation procedures • Customized programming documentation DBDevNet, LLC

11. DBDevNet Software Products • Automated End of Day process • Average Daily Balance Extract • Data Dictionary File (DDF) Utilities for Schwab RT • Loan & Distribution (LDT) Extract Utility • Investment Program (IPM) Fund Balances Extract • Toolbox for Schwb RT DBDevNet, LLC

12. Automated End of Day • Allows users the ability to export End of Day data from all Schwab RT directories • Extracted data written to ASCII text file • May be utilized to balance Schwab RT Recordkeeping system to fund vendor or trust systems on a daily basis DBDevNet, LLC

13. Average Daily Balance Extract • Calculates and extracts average daily asset balances for participants • Can populate a Microsoft Access database or produce an ASCII text file • Produces two types of reports: Plan Detail Report Plan Summary Report • May utilize extracted balances for calculations of asset-based fees, or to provide more detailed information for revenue-sharing calculations DBDevNet, LLC

14. DDF Utilities for Schwab RT • Provides a group of modules that enable Schwab RT users to perform many reporting and audit functions • Enhances productivity by allowing the user the ability to process reports and utility functions across paths, plans and participants • Offers numerous built-in reports for meeting plan sponsor and participant reporting requirements • Extracts SRT RK data in both MS Access and ASCII text formats to provide flexibility for producing plan sponsor and participant reports DBDevNet, LLC

15. DDF Utilities for Schwab RT • The following reports may be produced: • Participant Statements • Participant Status and Balance Report • Participant Age and Balance Report • Confirmation Letters • PIN Notification Letters • Global Asset Holdings • Fund Breakdown Analysis DBDevNet, LLC

16. DDF Utilities for Schwab RT • Additional reports are as follows: • Plan Accounting by Division • Cash Balance Report • Negative Unit Holdings Report • Pending Batches Aging Report • Headcount Report DBDevNet, LLC

17. DDF Utilities for Schwab RT • The following utility tools are available: • Find a Participant • Participant Audit • Execute Your Crystal Report • Participant Data Extract DBDevNet, LLC

18. LDT Extract Utility • Extracts loan and distribution data residing in the LDT file on Schwab RT • Can populate a Microsoft Access database or produce an ASCII text file • Provides data in a format that can be utilized for purposes such as cash reconciliation DBDevNet, LLC

19. Program Fund Balances Extract • Extracts Investment Program Fund (IPM) balances for participants • Produces an ASCII text file • Can be executed in an unattended mode • Provides the ability to show detailed balance information for each asset comprising an IPM DBDevNet, LLC

20. Toolbox for Schwab RT • Provides a group of modules that allow the ability to perform data analysis and auditing • Tools may be utilized for daily operations or to prepare for data conversions DBDevNet, LLC

21. Toolbox for Schwab RT • The software provides for the auditing of the following Schwab RT files: • Plan Index • Participant Balance Records • Assets • Tax Maps • Vesting Schedules • Report Headers • VRU DBDevNet, LLC

22. Toolbox for Schwab RT • Additional elements that may be analyzed and/or modified are as follows: • Primary Status Codes • Tax and Description Codes • Plan Synoptic Data • TDI Link Data • Asset Data DBDevNet, LLC

23. Toolbox for Schwab RT • The following utilities are also provided: • VRU PIN Export • VRU PIN Import DBDevNet, LLC