the plan sponsor resource center —

The Plan Sponsor Resource Center —

rps.troweprice.com/sponsor T. Rowe Price Retirement Plan Services, Inc.

Convenient access | Comprehensive tools | Useful information

Your source for effective plan management

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rps.troweprice.com/sponsor

» The Plan Sponsor Resource Center

Everything you need, whEn you nEEd itThe Plan Sponsor Resource Center provides you with a full range of convenient and personalized plan management resources. This powerful online tool helps you to monitor plan activity and stay abreast of current market news and legislative and regulatory developments. It also allows you to view participant account information and generate comprehensive plan reports. Plus, through the Online Forum, you can get valuable information from retirement and investment professionals, participate in timely blog and message board discussions, and share your feedback on Web polls.

The HOMEPAGE features an intuitive design for easy navigationThe homepage of the Plan Sponsor Resource Center offers immediate access to desired information and frequently used tools and information, including:

» Plan stats: Shows a high-level view of plan assets and contribution activity.

» Tool kit: Lets you look up participant accounts, run reports, transfer files, and more.

» Planning calendar: Highlights important compliance deadlines, upcoming conferences, and educational opportunities.

» News: Gives you a quick scan of regulatory and legislative updates and market information.

» Web poll: Provides a way for you to share valuable feedback.

The Plan Information tab conveniently organizes all plan data in one central location to help you manage plan details efficiently.

Monitor activity with PLAN INFORMATION

T. Rowe Price Retirement Plan Services, Inc.

Investments

Provides the information you need about your plan’s investment lineup, including:

• An extensive overview of your plan’s current invest-ment offerings, as well as their performance history and expense ratios

• A complete list of mutual funds and common trusts offered by T. Rowe Price

• A comprehensive analysis of quarterly market environ-ment updates, T. Rowe Price policies, and more

Plan Activity

Review the current status of your plan’s assets, contributions, and plan statistics, as well as benchmarking that shows how your plan compares with other T. Rowe Price clients. Data include:

• Current plan assets

• Current plan contributions

• Plan assets and contributions as of year-end

• Assets and contributions for the T. Rowe Price Retirement Plan Services, Inc., client base as of year-end

• Other key comparisons, such as

• Average participant account balance

• Average loan balance

• Number of investments offered through plans

Plan Documents and Procedures

View the documents that T. Rowe Price has on file to manage your plan, including:

• Plan document

• Amendments

• Letter of determination

• Summary plan description

Plus, you can access the procedural flows that T. Rowe Price has developed with you for ongoing plan tasks, such as changes, contributions, terminations, and withdrawals.

Forms

Retrieve and print plan forms to verify the accuracy of the documents or to assist participants who may have questions about completing the forms.

Call 1-800-922-9945 to request a prospectus, which includes investment objectives, risks, fees, expenses, and other information that you should read and consider carefully before investing.



Go to the Plan Management tab to find online tools and resources that can help you make informed decisions for your participants and your plan.

Simplify tasks with PLAN MANAGEMENT

Fiduciary Source

This resource includes valuable information and tools to help you understand your fiduciary obligations, identify your plan’s fiduciaries and their responsibilities, evaluate and monitor your investments, develop a participant communications strategy, and show you how you can lessen your fiduciary concerns with prudent and proactive plan management.

Research and Insights

Qualitative and quantitative resources provide valuable insights and thought leadership research to help you make sound choices about plan design and product offerings. Key topics include:

• Retirement Income: provides you with in-depth research and effective resources addressing the importance of help-ing your participants reach their retirement income goals.

• Behavioral Finance: focuses on participant behavior and how to act in your employees’ best interest.

• Regulatory Issues: provides information about the chang-ing industry landscape and how it affects plan sponsors today and in the future.

Management Tools

The Resource Center gives you fast and easy access to the transactional and plan-level tools that streamline and simplify everyday tasks.

• Look Up Accounts With Client Access: Inquiry System (CAIS) View balances, investment allocations, contribution rates, and quarterly statements, as well as plan and forfeiture histories since coming to T. Rowe Price.

• Create Reports With Client Access: Reporting System (CARS)Choose and schedule frequently used reports, create custom reports, and securely send reports to your colleagues.

• Transfer Files With Client Access: File Exchange (CAFE)Send and retrieve documents, images, and payroll files through our secured server.

Electronic Security

In addition to CAFE, discover other tools, such as Secure FTP and Encrypted E-mail, which are designed to help you protect the transfer of information between your organization and T. Rowe Price.

Planning Calendar

The Resource Center also provides you with a helpful planning calendar that highlights upcoming Web seminars, confer-ences, and important plan and IRS/DOL deadlines. The conve-nient sorting features allow you to look up items by category (e.g., conferences) or by your preferred calendar view (monthly or annually).


Participant Services

We provide access to proprietary and nonproprietary tools and services that can help your participants become successful savers.

• FuturePath Automated Services Get details about our suite of automated services that

can help you leverage the power of inertia and do what’s best for your employees. You can select any combina-tion of the FuturePath services, which include automatic enrollment, automatic increase, automatic rebalancing, AutoBoost, and automatic investment using the T. Rowe Price Retirement Funds, to keep participants’ contribution percentages growing and their investment strategies on track for their retirement goals.

• Third-Party Advice and Guidance Services Learn about the objective, expert advice from leading

third-party vendors who can help your participants make informed choices about their investments.

• Participant Communications Access information about our dynamic and award-

winning communications that are designed to help participants take full advantage of their retirement plan.

• Personalized Communications give employees information that is directly relevant to their needs and can help them understand the value of their retirement plan.

• Targeted Education offers a comprehensive collec-tion of brochures, articles, checklists, and other tools to help educate participants and make it easy for them to take action.

• Retirement Income Communications offer informa-tion to help employees understand the importance of saving and how to create an income stream in retirement.

• Distribution Education provides employees with a suite of multi-channel distribution education materials that will help them make informed decisions either upon retirement or after terminating service.

• Online Tools available through the myRetirementPlan Web site give participants the ability to review account information and make changes anytime, day or night. In addition, our e-mail communications provide succinct reminders of their plan’s features and benefits.

Sponsor Communications

Through the Resource Center, you get easy access to com-munication resources designed to help you stay abreast of industry developments and motivate your employees to make the most of their retirement benefit. Communications that you can access online include:

• Sponsor Update: A newsletter covering product and service announcements, legislative and regulatory updates, and more. Archives of past issues are also available online.

• Sponsor Alert: Quick highlights of time-sensitive informa-tion distributed as needed. Archives of past alerts are also available online.

• PlanLink: T. Rowe Price distributes this custom magazine three times per year to provide plan sponsors with insightful articles about retirement plan trends, invest-ments, compliance, T. Rowe Price products and services, and special interest topics.

Events and Training

Find out what’s happening in the industry and right here at T. Rowe Price to help you improve your industry knowledge and plan management performance.

• Conferences: Get a snapshot of upcoming industry confer-ences and come back often to see what’s on the horizon.

• Web Seminars: Review information about approaching Web seminars, including market reviews, legislative updates, or plan-related topics. Or search and view archived presentations.



Stay abreast of the latest requirements with ERISA SERVICESWithin the ERISA Services section, you’ll find valuable information concerning regulations and guidance from the Internal Revenue Service, the Department of Labor, and other regulatory bodies.

Find out more from T. ROWE PRICELearn more about the investments we offer and get perspectives from T. Rowe Price investment professionals.

Legislative and Regulatory Guidance

Keep apprised of pending legislation, new guidance, and complex regulatory procedures and see how they affect your plan. Key topics include:

• Pension Protection Act of 2006

• Correcting Plan Errors

• Fee Disclosure

• Military Services (USERRA-HEART ACT)

• Roth Contributions

Compliance Services

Access the latest information on compliance time lines and procedures for nondiscrimination testing, Form 5500 filing, and legislative trends. Plus, find Plan Documents, helpful prototypes, and other pertinent information in a centralized location.

Annual Dollar Limits

Gather plan-limit details at a glance.

T. Rowe Price Funds Rated 4 and 5 Stars by Morningstar

Get more information about T. Rowe Price’s investment man-agement expertise, our investment philosophy, and our funds. Here you can compare performance data and see which funds earn 4 and 5 stars from Morningstar.

T. Rowe Price Market Insights Offer a New Perspective

Gain valuable insights from T. Rowe Price investment profes-sionals about current economic conditions and how they are affecting the market. Review quarterly updates on the U.S. stock market, the U.S. bond market, and the non-U.S. stock and bond markets.

T. Rowe Price Investor Products and Services

Learn about resources beyond the plan that can help your employees reach other financial goals, including IRAs, college savings plans, brokerage services, and more.

T. Rowe Price Investment Policies and Procedures

Find important information about excessive trading and redemption fees.

Compliance Calendar

View the planning calendar to keep track of important IRS and Department of Labor deadlines, as well as plan deadlines that will help you keep your plan in compliance with governmental requirements.


Be in the know with our ONLINE FORUMWhen you access our Online Forum you can get vital business information from experienced T. Rowe Price investment professionals, as well as industry peers from our client base. You can also stay on top of industry news and plan developments.

Recommended Settings:

The Web site is best viewed when using the following settings*:

• Windows browsers (supports 256-bit encryption): IE 6.0 or higher, Firefox 1.5 or higher, Netscape 7.0 or 8.0

• Broadband connection

• Plug in: Flash 8.0 or higher

• Screen resolution: 1024 x 768 pixels

• Adobe Reader: 5.0 or higher

*Other settings may work; however, you will need to decide what changes can be made to your desktop based on your organization’s configuration.

A Note About Passwords

To protect confidential plan and participant data, we monitor login dates to ensure that only active, valid users have access to the site. All passwords need to be reset every 90 days. The login window will prompt you to update your password as needed.

IDs that do not log in to the site within a period of 120 days will be identified as inactive and placed on a suspended status.

You can reactivate your ID by logging in to the Web site within 30 days from the date of the suspension notification.

Technical Assistance

For technical assistance, call T. Rowe Price Technical Support at 1-800-639-8552.

Blog

Share views and experiences with your peers and gain knowl-edge from the experts at T. Rowe Price. Blog topics include legislative and regulatory issues, products and services, and other plan-related matters. Note: Due to regulatory require-ments, investments topics are not permitted on the blog.

Peer Exchange

We created the peer exchange message board to help our clients interact with each other through discussions and forums that can help you create a more effective plan.

Video Center

View clips of T. Rowe Price professionals discussing their perspectives on industry and market-related news.

Web Poll

Participate in our Web poll and then see how your response compares with your peers.

Be aware of these TECHNICAL RECOMMENDATIONSThe Plan Sponsor Resource Center Web site is a secure site that requires a user name and password.

11/0805169-795 T. Rowe Price Investment Services, Inc., distributor, T. Rowe Price mutual funds.