For Subscribers - Amazon S3...One great feature of the HCM 401(k) Optimizer® is access to the HCM-BuyLine®. When the market drops below the HCM-BuyLine®, you will receive notification

For Subscribers

Registration Instructions “Welcome to the HCM 401(k) Optimizer®!”

Professional Advice

Yes!

I want to

“Optimize”

my company

sponsored

retirement

plan!

“How Do I

Invest my 401(k)?” The HCM 401(k) Optimizer® was developed to help

answer that question. You, like many others, may need

help choosing from, and allocating appropriately the

investments your employer’s plan offers. We give you the

tools to help you

make informed decisions. It’s

quick and simple and you

maintain complete control of

your assets.

For Subscribers

2

What It Means To You

Is it for Me? Choose a Proactive Approach

The HCM 401(k) Optimizer® is for working individuals

who need assistance choosing and allocating their

401(k), 403(b), 457 or similar company sponsored

retirement plan.

Working with many individuals over the years, we have

learned that many individuals expose themselves to

financial risk by not taking proactive measures with their

company sponsored retirement plans. Our goal is to help

you create a plan to help you strive to optimize your

returns and protect your capital gains.

An actively managed account, we believe, is a great way

to improve results and protect assets. Our approach is to

apply our proprietary indicator, the HCM-BuyLine®, which

is designed to keep our clients on the right side of the

market.

One great feature of the HCM 401(k) Optimizer® is access

to the HCM-BuyLine®. When the market drops below the

HCM-BuyLine®, you will receive notification with advice

on how to restructure your portfolio in an attempt to

protect your assets. When the market moves above the

HCM-BuyLine®, you will once again receive advice about

what to do next.

For Subscribers

Financial Well-Being as a Goal

Strive to Protect Your Assets

3

Click to Sign Up

Let’s Get Started!

For Subscribers

www.hcm401koptimizer.com Go To:

4

Choose a Plan

For Subscribers

www.hcm401koptimizer.com

Before you

continue to the

sign up process.

You can choose

a plan and

enter a coupon

code.

Contact your

Financial

Advisor to

obtain a

Coupon Code.

5

HCM367 is a SAMPLE code. Be sure to enter your

Financial Advisor’s Coupon Code so you can

receive a 10% discount.

Sign Up – Part 1

For Subscribers


The first step is

basic

information

and creating a

Username and

Password.

It is important

you use an

email address

you check

often.

6

Sign Up – Part 2

For Subscribers


Enter Client

Information

7

Sign Up – Part 2 (cont.)

For Subscribers


Enter

Employment

Information

8

If your company is not

listed in the drop down

box, select ‘Not Listed’

and enter it in the field

below.

Sign Up – Part 3

For Subscribers


Part 3 of Sign Up

includes

acknowledgement

of HCM’s:

• Service

Advisory

Agreement

• Privacy Policy

• Form

ADV Part 2

9

Click to view HCM’s Privacy Policy and Form ADV Part 2

Choose a billing plan: Annual or Quarterly.

Payments recur automatically

For better service, click to

allow your financial advisor to

see your recommendations

and other account information


For Subscribers


Part 3 of Sign Up

includes

acknowledgement

of HCM’s:

• Solicitor’s

Written

Disclosure

(if applicable)

• Choose whether

to let your

advisor see

your details

10

Click to accept the Solicitor’s Written

Disclosure Document (if applicable)

Sign Up – Part 4

For Subscribers


There are two

methods of

Payment:

• Credit Card

• E-Check

(checking or

savings)

11

Choose a payment

method. All major credit

cards are accepted. Other

choices are ACH checking

or ACH savings.


For Subscribers


Registration is not

complete until

confirmed.

12

Confirm Registration

Sign Up – Part 5

For Subscribers


The next step is

to complete the

IPP.

There are total

of 9 questions.

There are 9 IPP questions. The IPP measures risk tolerance and is

used to help prepare your recommendations.

13


For Subscribers


Once the IPP is

complete, you

will see your

Calculated Risk

Tolerance Level.

You may

update your IPP

at any time.

Click the

LifeLock® to

continue

registration.

14

Your calculated risk level is used to prepare

your allocations. You may update it anytime.

Click the LifeLock® logo to

receive your complimentary

standard subscription.

Sign Up – Part 6

For Subscribers


A standard

LifeLock®

subscription is

included with

your Optimizer

subscription.

15

Enter your SS# to activate

your LifeLock®

subscription. We do NOT

store this number.


For Subscribers


Once you

register for

LifeLock®, you

may log in and

upgrade this

subscription.

16

Click ‘Manage LifeLock’ to

view your subscription

information.

You will receive an email

from LifeLock® with more

information about your

account.


For Subscribers


The HCM 401(k)

Optimizer has

partnered with

LifeLock® to

create more value

for you!

17

After Sign Up

For Subscribers


After Sign Up,

you will not

immediately see

your

Recommended

Funds.

It usually takes

1-5 days for the

Optimizer Team

to analyze your

individual

situation. After Sign Up is complete, you will receive an email when your allocations are ready.

18

Log in to your account

For Subscribers


After you receive

an email notifying

you that your

recommendations

are ready, the next

step is to log in

using the

Username and

Password you

created at

Sign Up.

Log In with your Username and Password you created at Sign Up to view your

recommendations.

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Viewing your information

For Subscribers


When you log in

with your

Username and

Password, you

have access to the

following areas:

• Recommended

Allocation

• Recommended

Funds

• Your Risk

Tolerance

•Your Fund

Choices

• Your Profile

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You must be logged in to view the pages shown here under “Individual Investors”.

Recommended Funds

For Subscribers


When you log in

with your

Username and

Password, you

have access to the

following areas:

• Recommended

Allocation

• Recommended

Funds

• Your Risk

Tolerance

•Your Fund

Choices

• Your Profile

21

When your recommendations are ready, you will be

notified by email. We offer recommended percentages.

Recommended Funds

For Subscribers


The dollar

amount in the

‘Recommended

Funds’ table

corresponds

with your

Account

Balance in ‘Your

Profile’.

Your Account

Balance is not

updated

automatically,

but you can

adjust it any

time in ‘Your

Profile’.

HCM does not have access to

your company sponsored

retirement plan. Therefore, if

you would like to update your

balance, you may do so in

‘Your Profile’.

22

OTI

For Subscribers


Optimized Trend

Indicator (OTI)

If you work for a

publicly traded

company, the

ticker symbol

should be entered

automatically.

If not, enter your

company’s ticker

symbol or choose

one company you

will like to follow.

This can be

updated in ‘Your

Profile’.

23

Use the Optimized Trend

Indicator (OTI) to see if your

company is in an uptrend or a

downtrend

Your Risk Tolerance

For Subscribers


Your risk tolerance

is used to prepare

your

recommendations.

It’s best to update

your IPP once per

year. We will send

you a reminder

email.

This can be

updated in ‘Your

Profile’.

24

Risk Level Explanations can be

viewed in ‘Your Risk Tolerance’ tab

Your Fund Choices

For Subscribers


“Your Fund

Choices” contains

all the funds

available in your

company

sponsored plan.

Your

Recommended

Funds are selected

from these

choices.

25

If you need to update your

company’s fund choices, you

may send the update to

[email protected]

or fax them to (770) 642-4906.

mailto:[email protected]

Your Profile

For Subscribers


“Your Profile”

contains your

account

information.

You may log in

and update your

information any

time.

26

You may update any of the

information in “Your Profile” except

your Username.

FAQ

For Subscribers


Q: How often do I receive a new allocation?

A: At least once per quarter. If the HCM-BuyLine® signals to exit the market, a new allocation is prepared

for you. You will receive an email informing you of the change and directing you to the site.

Q: How do I know if there is a new allocation available?

A: You will receive an email informing you that a new allocation is available. Next, you may log into

your account at www.hcm401koptimizer.com to view your new recommendations.

27

Email Example

For Subscribers


From: HCM 401k Optimizer®

Sent: Wednesday, August 25, 2010 12:55 PM

To: Sample Client

Subject: HCM 401k Optimizer Update

Hello,

Your HCM 401(k) Optimizer recommendations have been updated and are now available; you can sign in to your account

to view the information.

Reminders:

We do not recommend that you incur any redemption fees as a consequence of making short-term fund changes.

If you have questions or think you might encounter these fees, contact your adviser before you take action to adjust your

account allocation.

Should your plan change, please send an updated statement via fax (770.642.4906) or email at

[email protected]

If you have more than one HCM 401(k) Optimizer® account, make sure to sign in to each to ensure that you are accessing

the appropriate recommendation.

As you know, we monitor the market and economic conditions continuously and will update you immediately if the

HCM-BuyLine® indicates a shift in investment stance. You will find more information in our weekly Wealth Watch (you can

sign up here, if you are not currently a subscriber).

Please do not hesitate to contact us if you have any questions. We can be reached via email at

[email protected] or by phone at 770.642.4902.

Your HCM 401(k) Optimizer® Team

HCM will notify

you by email

when new

recommendations

are ready for

viewing.

28

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http://r20.rs6.net/tn.jsp?et=1103636907576&s=48&e=001IG8vdz_WeVxAX8wYjCEB1qfpCACfv8wO6mo9UiUfxKfFnlscmiMtZM5ddK1X6BDuL-JPEcrAzjswuYcAYh44xivj7X7JuWwwOGV7EENjeDn4MBxPF3fRpg_7W_iZ3vkd-3XuzzMrxCM=


Refer a Friend

For Subscribers


If you would like

to refer a friend

to the Optimizer,

you may use the

Refer a Friend

tool.

In the comment

section, let the

person know

what code to use

to receive the

10% off

discount.

Click to Refer a Friend

29

Note: This is a SAMPLE code.

Referral Email Example

For Subscribers


From: HCM 401k Optimizer®

Sent: Wednesday, August 25, 2010 12:55 PM

To: Sample Client

Subject: Special Information from Sample Advisor

Dear Sample Client,

I thought you might be interested in the attached 401(k) investment management tool: HCM 401(k) Optimizer®.

With the HCM 401(k) Optimizer®, you receive professional advice for your company sponsored retirement plan.

What you get when you sign up:

• Professional investment advice you can use right away

• Personalized recommendations

• Quarterly updates

• Bonus – Access to the HCM-BuyLine®

(a proprietary indicator designed to protect assets during bad markets)

Click here to Sign Up now and receive 10% off your subscription fee when you use promotion code HCM367.

Personal message goes here.

Best regards,

Kelly

HCM will notify

you by email

when new

recommendations

are ready for

viewing.

30

http://www.hcm401koptimizer.com/IndividualInvestors.aspx?pid=249

https://www.hcm401koptimizer.com/IndividualInvestors/SignUp.aspx?pid=249&ccode=hcm249

https://www.hcm401koptimizer.com/IndividualInvestors/SignUp.aspx?pid=249&ccode=hcm249

About the HCM 401(k) Optimizer®

For Subscribers


The HCM 401(k) Optimizer® is offered by: Howard Capital Management, Inc. 555 Sun Valley Drive, Suite B-4 Roswell, GA 30076 770.642.4902

The HCM 401(k) Optimizer® is a subscription only program that delivers advice for 401(k) or similar company sponsored retirement plans.

The HCM 401(k) Optimizer® has built-in features designed to help advisors build relationships with current and prospective clients.

The HCM 401(k) Optimizer® subscribers maintain complete control over their accounts. Subscribers decide whether or not to act on the recommendations of this program. Howard Capital Management has no discretion and does not make any changes to the company retirement plans of HCM 401(k) Optimizer® subscribers.

For active trading, please ask about Howard Capital Management’s money management services, which are offered apart from the HCM 401(k) Optimizer® program (www.howardcm.com).

31

HCM 401(k) Optimizer® Disclosure

For Subscribers


The HCM 401(k) Optimizer® program is an advice-oriented program designed to help clients invest in

their employer’s 401(k) or similar defined contribution plan. Clients receive professional

recommendations from Howard Capital Management, Inc. and maintain total control over their personal

accounts. The goal is to reduce risk by taking proactive measures with company-sponsored retirement

plans.

All investment strategies have the potential for profit or loss. Changes in investment strategies,

contributions or withdrawals may materially alter the performance, strategy and results of your portfolio.

Different types of investments involve varying degrees of risk, and there can be no assurance that any

specific investment (including the investments and/or investment strategies recommended by the

advisor), will either be suitable or profitable for a client’s investment portfolio. Past performance is no

guarantee of future results. Please work with your financial advisor to determine which investment

program is consistent with your financial objectives and risk tolerance. Fees and costs are disclosed in

Form ADV Part II and the HCM 401(k) Optimizer® Program Agreement. Please refer to these documents

for any questions.

This material has been distributed for informational purposes only and should not be considered as

investment advice or a recommendation of any particular security, strategy or investment product. No

part of this material may be reproduced in any form, or referred to in any other publication, without

express written permission of Howard Capital Management, Inc. Advisory services offered through

Howard Capital Management, Inc.

©2012 Howard Capital Management, Inc.

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Documents

For Subscribers - Amazon S3...One great feature of the HCM 401(k) Optimizer® is access to the HCM-BuyLine®. When the market drops below the HCM-BuyLine®, you will receive notification