The AssetMark 401(k) Plan
Meeting the Unique Needs of Plan Sponsors and Participants

Meeting Plan Sponsor Needs

The AssetMark 401(k) Plan delivers a complete, turn-key solution for Plan Sponsors – a core series of asset allocation portfolios, a wide selection of mutual funds, plan design choices and online access to daily trading and account information.

We recognize that employees have varying and unique needs when it comes to investing for retirement. We also recognize that Plan Sponsors have unique needs, as well, when designing a retirement plan that's best suited for their employees. The AssetMark 401(k) solution not only meets the needs of both Plan Sponsors and participants, but exceeds the expectations of even the most demanding Plan Sponsors and participants.

Plan Design Flexibility and Customization

The AssetMark 401(k) Plan is completely customizable for each plan sponsor. Plan sponsors can choose from various options re garding participant eligibility, vesting schedules, employer contribution rates and loan features.

At the core of the AssetMark 401(k) Plan are the following key benefits:

Investment Solutions for All Employees

Today's 401(k) plan participants demand choice in their investment options. And they should have choice. However, we know that there are many different levels of investor sophistication.

Our solution is to provide investment options that better meet participants' needs. The AssetMark 401(k) Plan provides choice, flexibility and core managed investments to help participants in the asset allocation decision making process.

The AssetMark 401(k) Plan provides the following investment options to plan sponsors:

Target Allocation Funds

The Target Allocation Funds are offered as collective investment funds, with Fiserv Trust Company acting as trustee. The portfolios deliver long-term professional management to plan participants and are ideal for those who want to delegate investment management and asset allocation decisions to more capable and experienced investment professionals.

The Target Allocation Funds are invested in a series of managed asset allocation portfolios, employing the expertise of two Portfolio Strategists – Wilshire Associates and PanAgora Asset Management. These Strategists develop global strategic and tactical asset allocation portfolios to meet the risk/return profile for each participant.

The six portfolios are made up of the AssetMark Funds, which are managed by investment managers, selected and monitored by AssetMark and supported by the due diligence and research of Wilshire Associates.

Two Approaches to Asset Allocation

Participants in the AssetMark 401(k) Plan selecting the Target Allocation Funds have access to two different approaches to asset allocation. Both strategies provide participants with automatic rebalancing and adjustments to their portfolios.

The six Target Allocation Funds are as follows:

Mutual Funds

Employers can also choose up to 14 additional mutual funds from over 2,300 funds on the AssetMark 401(k) Plan list.

These funds represent many of the most recognized names in the mutual fund industry. They offer a broad range of asset classes and funds from which to choose.

Plan Design and Benefits

The AssetMark 401(k) Plan delivers flexibility in plan design options and customization features. For plan sponsors, this means that they can make decisions about participant eligibility and vesting. It also means that choices can be made about whether or not to make employer contributions, and if so, how much. This built-in plan design flexibility helps plan sponsors offer a 401(k) plan that suits the way they do business.

Both plan participants and the plan sponsor benefit from the overall daily valuation design. This daily valuation plan uses technology to provide account information and online trading access to participants, and the technology is backed by a dedicated team of professionals providing support to the plan sponsor.

About AssetMark Investment Services and Fiserv Investment Support Services

AssetMark Investment Services and Fiserv Investment Support Services are working together to bring Plan Sponsors and Participants a new and unique 401(k) solution.

AssetMark Investment Services, Inc. was founded in 1996 and is one of the industry's leading providers of fee-based investment management solutions. AssetMark currently administers 40,000 client portfolios, representing more than $8 billion in assets.

Fiserv Investment Support Services provides products and services through Fiserv Affinity, Inc., and Trust Industrial Bank. Trust Industrial Bank, headquartered in Denver, is one of the nation's largest providers of quality trust, custodial and back office services to the financial services industry. Fiserv ISS can be found on the Internet at www.fiserviss.com (http://www.fiserviss.com).

Fiserv ISS is a business unit of Fiserv, Inc. Fiserv, Inc. (Nasdaq: FISV) provides information management systems and services to the financial and health benefits industries, including transaction processing, outsourcing, business process outsourcing and software and systems solutions. The company serves more than 16,000 clients worldwide, including banks, credit unions, financial planners/investment advisers, insurance companies and agents, self-insured employers, lenders and savings institutions. Headquartered in Brookfield, Wis., Fiserv reported $3.7 billion in processing and services revenues for 2005. Fiserv was ranked the largest provider of information technology services to the U.S. financial services industry in the 2005 and 2004 FinTech 100 surveys by the American Banker newspaper and the Financial Insights research firm. Fiserv can be found on the Internet at www.fiserv.com (http://www.fiserv.com).

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