The ABA Retirement Funds program (the "Program") is designed to provide unique, full service 401(k) plans to the legal community. It was created over 45 years ago by the American Bar Association. By leveraging the size of the ABA Retirement Funds Program which brings together nearly 4,000 firms, the Program offers a fund lineup and services traditionally only available to the largest corporate plans. These services are offered at no out-of-pocket expense to law firms of all sizes with institutionally priced funds for their participants. Couple these benefits with the oversight that the ABA Retirement Funds Board provides over the entire Program and you have a retirement solution that may enable firms to hire and retain quality employees, control expenses and assist them with their fiduciary responsibilities. Contact a Program representative at 800-826-8901 for a Program prospectus or visit www.abaretirement.com for more information.