Priv Brief Short

MeridienBenefits Group, Inc.

10 Dorrance St., Suite 524, Providence, RI 02903

Phone: (401) 272-7070

Facsimile: (401) 331-8964

A Member/Shareholder of

Prepared for:

Email: [email protected] www.meridienonline.com

1601 Trapelo Road, Suite 212, Waltham, MA 02451

Phone: (866) 871-9963

Facsimile: (401) 331-8964

Private Briefing

Presented By:

Meridien Benefits, Inc.

©2009: Meridien Benefits, Inc. 2

Table of Contents

Section One Our Focus Section Two Meridien Benefits, Inc Section Three Our Services Section Four M Financial Group Section Five Employee Education &

Communication Section Six Meridien References


Our Focus

Section One


Our Focus

Non-Qualified Plans Meridien Benefits, Inc. is a leader in the conceptual design, financial

performance analysis and product negotiation of bank owned life insurance and corporate owned life insurance used as a financial vehicle to fund executive benefit programs and other non-qualified, employer sponsored benefit plans.

Qualified Plans Meridien Financial Group, Inc. is a leading source for qualified, employer

sponsored retirement plans.– Proprietary Process for analyzing and enhancing retirement plan systems.

Life Disability and Business Insurance Corporate Insurance for Businesses to protect Key Employees and Business

Interests


Meridien Benefits

Section Two


Meridien’s Timeline

1975Meridien founded as operating company for sales and service of life insurance products to corporations and affluent individuals.

Meridien co-founded New England Trust Company. In just 10 years assets under management grew to over $1 billion. Sold to First of America (National City Bank).

1980Pension Services, Inc. founded as wholly-owned subsidiary to provide actuarial, administrative, record-keeping and comparative services for over 500 qualified retirement plans.

1982Meridien Financial Group, Inc. formed. A FINRA Broker-Dealer focused in asset gathering for 401(k) and other qualified retirement plans.

1990Firm becomes member of the M Financial Group.

1997Firm perfects its proprietary process for 401(k) system(s) asset gathering.

2000Firm’s 401(k), investment assets and insurance assets under management exceeds $500 million.

2005 to presentMeridien Benefits is endorsed by SBANE as its 401(k) provider.

2007Meridien Team is selected by Plan Sponsor Magazine as one of the “Best of the Best” and most successful retirement plan advisers in the nation.


Over 30 years of Qualified Retirement and Executive Benefit plan experience.

Providing services to over 400 corporate clients. Developed proprietary plan provider selection and monitoring process

for plan sponsors. Custom communications programs for executives and employees,

including announcement letters, educational seminars and one-on-one informational meetings.

Client advocate for plan sponsors. Dedicated Design, Installation and Service teams. Ongoing Client Relationship Managers. Visit us at www.meridienonline.com.

Meridien Benefits, Inc.


Corporate Structure

Marketing Service

Support Staff

Licensed Marketing

Professionals

Relationship Managers

Support Staff

Operations

Financeand InformationTechnology

Support Staff

Meridien Benefits – Human Resources


Our Services

Section Three


Non-Qualified Plan(s)

Executive Compensation and Benefit Consulting and Analysis

Supplemental Executive Retirement Plans (SERPs)

Employee Voluntary Salary Deferrals

Executive Benefit Swaps

401(k) Restoration Plans

Split Dollar Plans/Alternative Loan Method

COLI - Corporate Owned Life Insurance

BOLI - Bank Owned Life Insurance

Our Services

Non-Qualified Plans

Qualified Plan(s) 401(k) 403(b) 457 Pension Profit Sharing Prevailing Wage

Some of the services that we may provide you include:

Retirement-Savings


M Financial Group

Section Four


M Financial Group

The nation’s most influential buying consortium of employee benefits and insurance services for corporations, highly compensated executives and affluent individuals.

Premium revenue written by the 100 plus M offices would rank M as the largest carrier in the United States. (Over $1.2 billion in 2008.)

There are over 100 Member Firms of M Financial Group, carefully selected from among the country’s most successful financial services firms.

Member supported in-house actuarial department. Product analysis. Continuing carrier due diligence. Proprietary products. Private Placement products.

Member supported software development.


Employee Education & Communication

Section Five


Employee Communication Program

Meridien will offer a Communication Program

1. Design custom announcement letters2. Conduct group enrollment meetings 3. Ongoing enrollment meetings (as needed)4. Individual enrollment meetings at each location (as needed)5. Enhanced employee communication/education materials6. Customized enrollment kits7. On-line and phone enrollment services

(subject to investment system)8. Annual update meetings9. Assist with investment monitoring and benchmarking10. Client Advocacy & Relationship Management11. Asset Allocation Workshops


Employee Education Process

Step 1Goals

Meeting to determine goals.

Step 2Action

Plan

Meridien develops custom communication program along with specialist at provider (i.e. dedicated communication Specialist).

Custom Group Meeting Presentation

Custom Announcement Letter

Manager and Key Employee

Group Meetings

Selection of Employee

Enrollment Materials

One-on-One Enrollment Meeting

Step 3Ongoing Education

Asset Allocation Workshops

Educational Workshops

How to Read Statements

Internet Access Seminars

Announcement of any Fund Changes or Enhancements

of Investment menu

Replacement of Under Performing

Funds

Personalized assistance for

executives

Garner Support for New Plan

Online and information

brochures: i.e. Diversification Re-balancing Understanding

Benchmarks Investor Risk

Ongoing Enrollment Support

Group and One-on-One enrollment


Plan Review Process

Annual Retirement Plan Review Comprehensive review

Semi-annual (or Annual) Investment Reviews Benchmarking investments options

o Fund Performance/Risko Style-driftingo Investment Expenseso Management changeso Other

Fund “Watch-list”

Comprehensive Analysis & Fiduciary Review (as needed) Ongoing enhancements through the Meridien Service Model


Meridien References

Section Six


Representative Client List

LaFrance Hospitality Co.

Economy & Finance

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