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Plan Highlights & Enrollment Form

Important Information on Plan Features and Enrollment

I n v e ss t i n g I n Y o u r F u t u r e

CONGRATULATIONS! You are eligible to participate in the SEI/Aaron’s 401(k) Retirement Plan. You will automatically be enrolled in the plan at a deferral rate of 3% of your compensation following your eligibility date. We will match 50% of your deferral up to 6%. Your savings will be invested in the Moderate Portfolio unless you choose to direct your contributions to other investment fund options. If you are a rehired employee, you are eligible to enroll in the plan right away. If you wish to enroll now, please complete the enclosed Enrollment Forms. You may also view your account online and/or direct the investment of your contributions by calling DayPak Services at (888) 687-4015 or online at www.daypak.net. If you are logging on for the first time, the User ID will be your Social Security number without any spaces or dashes and the Password is the last four digits of your Social Security number. Click on the “Participant” button. If you are logging on for the first time, you will be required to follow the menu options to change both your User ID and password. Additional information about the investments in the 401(k) is available on the website under the menu options “Investment Profiles”. If you have questions about any of this information, please contact the HR/Payroll Department at (404) 495-9707. Thanks!

SEI/Aarons Inc.SEI/Aaron's 401(k) Retirement Plan Highlights

ELIGIBILITY All employees must meet the eligibility requirements listed below for:

All contributions, Employer Profit Sharing contributions, Employer Matching contributions.

You must be 18 years old.You must have completed 1 year of service.

ENROLLMENT PERIODS

On meeting the eligibility requirements you may join the Plan:

The first day of the following month.

CONTRIBUTIONS Employee Contributions

Through payroll deduction, you can make pre-tax contributions from 0.00% up to 70.00% of your eligible compensation. An Internal Revenue Service (IRS) dollar limit applies. The dollar limit is $17,500 for 2013. You may make a separate election to defer up to 100% of any bonus.

Catch-Up Contributions

If you are age 50 or older and make maximum allowable deferrals to your Plan, you are entitled to contribute an additional "catch-up contribution". The catch-up contribution is intended to help eligible employees make up for smaller contributions made earlier in their career. The maximum catch-up contribution is $5,500 for 2013. See your Plan Administrator for more details.

Employer Contributions

Match

Your employer will make a matching contribution equal to $0.50 for every $1.00 of your pre-tax contributions up to 6.00% of your eligible pay.

Profit Sharing

Your employer may make Profit Sharing contributions at its discretion, which will be allocated among all eligible employees, whether or not they make contributions.

Employer contributions benefit all eligible employees who completed one Year of Service and employed on the last day of the Plan Year. If you retire, become disabled or die during the plan year, you will automatically share in the contribution.

Contribution Changes

You may increase or decrease the amount of your contributions daily.You may stop your contributions daily.You may restart your contributions daily.Future investment choices may be made daily.


VESTING Vesting refers to your 'ownership' of a benefit from the Plan. The money that you contribute and the money it earns are always 100% vested. Any rollover or transfer contributions you make are also 100% vested.

Employer Match Profit Sharing

Years of Service Vesting % Years of Service Vesting %

23456

20%40%60%80%100%

23456

20%40%60%80%100%

WITHDRAWALS

• Qualified Retirement

• Age 59 1/2 or older

• Early Retirement Age

• Normal Retirement Age

• In-Service Withdrawals

• Financial Hardship

• Termination of Service

• Death

• Disability

Funds may be withdrawn from your Plan account in these events:

Withdrawals may be made at anytime from a Rollover Account.

See your Summary Plan Description for more details about taking withdrawals from the Plan. Be sure to talk with your tax advisor and address any potential adverse tax consequences before withdrawing any money from your Plan account.

LOANS The Plan is intended to help you put aside money for your retirement. However your employer has included a Plan feature that lets you borrow money from the Plan.

You can have 1 loan outstanding at a time. The minimum loan amount is $1,000.00.

Loans may be taken from:

• All Sources

The amount you may borrow is limited by rules under the tax laws. In general, all loans will be limited to the lesser of one-half of your vested account balance or $50,000.

Other requirements and limits must be met, and certain fees may apply. Refer to the Summary Plan Description for more details about this participant loan feature.


HARDSHIP WITHDRAWALS

If you have an immediate financial need created by severe hardship and you lack other reasonably available resources to meet that need, you may be eligible to receive a hardship withdrawal from your Plan. Hardship withdrawals may be taken from all accounts that are fully vested.

A hardship, as defined by the government, can include:

• Purchase of your primary residence • Payment of tuition and related costs for the employee, spouse, dependents, or children who are no longer dependents for post-secondary education • Payment of certain medical expenses • Prevention of eviction from, or foreclosure on, your primary residence • Funeral/burial expenses for a parent, spouse, child or dependent • Repair of damages to employee's primary residence that qualifies for casualty deduction

ROLLOVERS You are allowed to roll over money into your account. See your Summary Plan Description or Plan Administrator for rollover details.

404(c) STATEMENT

The Plan is intended to comply with ERISA Section 404(c) regulations. This simply means that you "exercise control" over some or all of the investments in your Plan account. The fiduciaries of the Plan may be relieved of liability, or responsibility, for any losses that you may experience as a direct result of your investment decisions. As a Plan participant, you may request certain information from:

SEI/Aarons Inc.HR/Payroll Department3108 Piedmont Road, Ste. 202Atlanta, GA 30305 [email protected]


CONTACT INFORMATION

Financial Advisor

Evan B. MelcherGreenspring Wealth Management, Inc.12460 Crabapple Rd, Ste 202-316Alpharetta, GA 30004 [email protected](404) 692-5533

ACCOUNT INFORMATION

Participant Web Site www.daypak.net

The Swerdlin & Company Call Center is available Monday-Friday from 8 a.m. until 6 p.m. EST.

Customer Service Number (866) 687-4015

According to most experts, you will need approximately 70% to 75% of the amount of money you are earning at the time youretire in order to maintain your standard of living during retirement.* This income will need to be paid to you from your sav-ings, retirement plans and Social Security benefits.

• Currently, more than 20% of aged Social Security recipients are living solely on Social Security.*

• Women represent over 70% of those people receiving Social Security benefits who are over 85 years old.*

• Workers in their 20’s and 30’s can expect current Social Security benefits to be reduced by 26% beginning in 2041 and to continue to be reduced each year if the system remains unchanged.*

• It is estimated that 850,000 people will be more than 100 years old in the year 2050.**

• Unfortunately, more than 50% of Americans have never attempted to figure out how much they need to save.***

* Social Security Administration ** US Census Bureau *** US Department of Commerce

Most people spend more time each year planning their vacations than they do planning how much they need to save for theirretirement.

WHY DDO YYOU NNEED TTO SSAVE FFOR YYOUR RRETIREMENT?

Re t i r e m e n t P l a n n i n g Gu i d e

Congratulations - you have a long retirement ahead of you! One of the most important questions you needto answer is,“How much money do I need to save for retirement?”

People today are living longer than ever - thanks to healthier lifestyles and medical advances. You’ll need tomake sure you have enough money to last all those years. It is wise to start planning now.

Assumptions: Retirement age 65. Length of retirement 25 years. Annual inflation rate 3%. Annual growth rate before and during retirement of 8%.Tax rate during retirement of 20%. Assumes tax deferred investments in retirement plan. Social Security Benefit of $1000 per month starting at age65. Annual inflation rate on Social Security of 1%. Assumes that a person will spend an average of 60% of their current salary in retirement. Balanceat death of zero dollars. These are examples only and are not intended as a projection or guarantee. Actual results may vary.

AGE CURRENT INCOME AMOUNT NEEDED AT RETIREMENT

21 - 30

31 - 40

41 - 50

51 - 60

$25,000$35,000$50,000$75,000

$25,000$35,000$50,000$75,000

$25,000$35,000$50,000$75,000

$25,000$35,000$50,000$75,000

DO YYOU HHAVE AA RRETIREMENT GGOAL?

$641,000$981,000

$1,491,000$2,341,000

$441,000$692,000

$1,071,000$1,700,000

$294,000$479,000$756,000

$1,219,000

$186,000$320,000$521,000$855,000


THE POWER OF TAX DEFERR ALIn a retirement plan, your money is not taxed until you withdraw it, usually at retirement.

This means you pay no current taxes on your investment, or the earnings it generates, until you take money out of your retirement account. Ifyou combine tax deferral with compounding, the results can be dramatic.

This chart illustrates an example using a 30 year-old person who plans to retire at age 65 and invests $200 a month into their retirement plan.Assumes an 8% annual rate of return. These examples are hypothetical. Calculations have been simplified for illustrative purposes. The investment return and principal value of many investmentoptions will fluctuate so that an investor’s units, when redeemed, may be worth more or less than the original cost.

Tax deferral can significantly increase your retirement account value.

PRE-TAX SAVINGSWhen you contribute to your employer’s retirement plan, your benefits begin immediately and are typically in the form of pre-tax savings.

The money you contribute is deducted from your pay before federal taxes are taken out, thus reducing your taxable income - and yourincome taxes! While taxes will be due when you withdraw the money, you may then be retired and possibly in a lower income tax brack-et.

BENEFITS OF SAVING PRE-TAX DOLLARSPre-Tax Savings After-Tax Savings

Gross Semi Monthly Income $1,000 $1,000PreTax Contribution -$100 (10% of Pay) -0-Taxable Income $900 $1,00025% Tax Rate -$225 -$250Take Home Pay $675 $750Taxable Savings 0 -$100Total SSavings $100 $100Money Left to Spend $675 $650Total SSavings - 112 MMonth $2,400 $2,400

Conclusion: Saving in your retirement plan versus saving in an after-tax savings program may reduce taxes and increase your net takehome pay.

AGE 30 35 40 45 50 55 60

$431,271

$400,000

$300,000

$200,000

$100,000

$0

Tax-Deferred: $431,271

INVESTING $200 A MONTH FOR A TOTAL INVESTMENT OF $84,000.

65

WHAT AARE TTHE AADVANTAGES OOF AA RRETIREMENT PPLAN?


INFLATION IS THE S ILENT THIEF!Do you realize the devastating effect of inflation?

TODAY AT RETIREMENT AT AGE 90Green Fees & Cart $80 $225 $471

Bottle of Aspirin $3.85 $10.83 $22.68

Ford Minivan $24,850 $69,924 $146,406

Assume current age of 30 and inflation rate of 3% annually and 65 years old at retirement.

DOLLARCOSTAVERAGING

Dollar-cost averaging: Investing a fixed amount at regular intervals of time.

Dollar-cost averaging may allow investors to more effectively navigate the ups and downs in the market. A person who investsthe same dollar amount each period will buy more shares of an investment when the market price is low and fewer when itsprice is high. As a result, the average purchase price may be lower than the average of the market prices over the same periodof time. Dollar-cost averaging is a technique that eliminates the anxiety of trying to time the markets.

Investment Date Amount Invested Share Price Number of Shares Purchased

January $200.00 $10.00 20.000

February $200.00 $9.00 22.222

March $200.00 $9.10 21.978

April $200.00 $8.50 23.529

May $200.00 $7.50 26.667

June $200.00 $8.00 25.000

July $200.00 $8.75 22.857

August $200.00 $10.25 19.512

September $200.00 $10.00 20.000

October $200.00 $10.90 18.349

November $200.00 $10.50 19.048

December $200.00 $10.25 19.512

Total Invested / Total Shares $2,400.00 258.674

Average Price Per Share $9.40

Average Cost Per Share $9.27


WHICH IINVESTMENTS AARE RRIGHT FFOR YYOU?


Lower Risk LowerPotential Reward

Higher Risk HigherPotential Reward

Stocks*Bonds**

Cash***

The combination of investments you select has the greatest impact on the growth of your money.

R ISK/RE WARD COMPARISONS

Source: Lipper* S&P 500 ** Intermediate Government Bonds *** 30-Day T-Bills

There are three major types or classifications of investments to understand. Being able to understand these basics will put you well onthe way to preparing for your financial future.

3 MAJOR T YPES OF INVESTMENT OPTIONS

STOCKSStocks represent shares of ownership in a public company.The market value of a stock is determined in large part by the success or earn-ings potential of the company. Historically, stock investments have provided the highest long-term returns when compared to othermajor investment options. Stocks also have the highest level of risk, since their price movement can be unpredictable and can fluctuatewidely.

BONDSA bond is simply a loan from an investor to a corporation or government. The borrower pays interest over a specified period of time tothe investor and pays back the principal at maturity.There are 3 major types of bonds, Corporate, Municipal, and Treasury.Treasury bondsare issued and guaranteed by the U.S. Government. Municipal bonds are issued by local and state municipalities. Corporate bonds areissued by companies. Bond prices will fluctuate with movements in interest rates and other factors.

CASHCash and money market, or fixed interest securities, are short-term interest bearing investments. They generally provide a lower returnwith less risk. Some conservative funds are also called stable value funds because the money you put into them generally will not fluc-tuate up or down. The greatest risk may come from the potential inability of cash to provide long-term returns greater than the rate ofinflation, thereby decreasing the investor’s purchasing power over time.

Investment returns will fluctuate, cannot be guaranteed and do not predict the future performance of any investment. The principal value of an investment in mutual funds will fluctuatewith changes in market conditions. Mutual fund shares, when redeemed, may be worth more or less than their original cost. An investment in mutual funds involves certain risks includingpossible loss of the principal amount invested. No assurance can be provided that a funds’ objective will be achieved. Mutual fund shares are not insured by the FDIC and are not depositsof, obligations of, or guaranteed by any bank.

DON’T PUT ALL YOUR EGGS IN ONE BASKET.

Each different type of investment carries a level of risk and reward. Generally, the greater the risk, the greater the potential return. It alsomeans you are exposed to the greatest risk of loss.

You should focus on the potential risks and rewards of the various asset classes or types of investments and develop your own invest-ment plan according to the level of risk and potential reward you are willing to accept.

D IVERSIFY, DIVERSIFY, DIVERSIFY

Diversification simply means spreading out your money among different types of investments that have different characteristics.This isoften called “Asset Allocation.”

Generally, when one type or class of investment does well, another type or class may not. For instance, when stocks perform well, typi-cally, bonds do not. It is important that you consider investing in different types of assets.This may allow you to lower your total accountrisk with a goal of experiencing smoother overall investment performance.

WHAT IINVESTMENTS SSHOULD YYOU SSELECT?


STEP 2:SELECT YOUR INVESTMENTSI aam ccomfortable wwith iinvestingOption 1: Build Your Own Portfolio (Proceed to Step 3)

I wwould pprefer tto ttalk wwith aan iinvestment pprofessionalOption 2: Call your Financial Advisor’s office, and ask to speak to a participant representative.

STEP 3:SUBMIT YOUR SELECTIONS AND START SAVING FOR RETIREMENT

Using the investment information on the fund fact sheets, along with the Retirement Goal Calculator, complete the enrollment form at the end of this section to start planning for your retirement.

CURRENT AGE ANNUAL SALARY AMOUNT SUGGESTED MINIMUMALREADY SAVED CONTRIBUTION

21 - 30

31 - 40

41 - 50

51 - 60

$25,000$35,000$50,000$75,000

$25,000$35,000$50,000$75,000

$25,000$35,000$50,000$75,000

$25,000$35,000$50,000$75,000

$0$0$0$0

$15,000$25,000$50,000$75,000

$35,000$70,000

$110,000$190,000

$35,000$70,000

$110,000$190,000

9-11%10-12%10-12%11-13%

9-11%11-13%10-12%11-13%

11-13%10-12%11-13%11-13%

9-11%9-11%

10-12%11-13%

STEP 1 :DECIDE HOW MUCH TO SAVE EACH PAYCHECK

Use the chart below to identify your age, approximate pay, and the amount you may have already saved to determine your contributionpercentage.

GETTING SSTARTED IIS AAS EEASY AAS 11..2..3..

Circle the percentage from the last column and use that as your Salary Reduction Percentage. If you are over 30 years of age and havenot saved any money for retirement, you need to save as much as possible.

Assumptions: Retirement age 65. Length of retirement 25 years. Annual inflation rate 3%. Annual growth rate before and during retirement of 8%. Tax rate during retirement of 20%.Assumes tax deferred investments in retirement plan. Social Security Benefit of $1000 per month starting at age 65. Annual inflation rate on Social Security of 1%. Assumes that a personwill spend an average of 60% of their current salary in retirement. Balance at death of zero dollars. These are examples only and are not intended as a projection or guarantee. Actual resultsmay vary.


The first step in any retirement plan is to set a goal. Use this worksheet to help you to determine how muchmoney you need for retirement and the percentage you need to save to get there.

Example You

1. Your annual income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $40,000 $__________

2. Annual Income needed in retirement in today's dollars. . . . . . . . . . . . . . . $32,000 $__________(80% of $40,000)

3. Approximate amount of Social Security.Multiply Line 1 by .25 up to a maximum of . . . . . . . . . . . . . . . . . . . . . . . . . . . $10,000 $__________

4. Income shortfall that will need to be made up from your personal savings. Subtract Line 3 from Line 2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $22,000 $__________

5. Now adjust your shortfall for inflation by Multiplying Line 4 by the inflation multiplier from the table below. For this example, we assume 25 years remaining until retirement.Therefore, multiply $22,000 by 2.09 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$45,980 $__________

6. Investments already accumulated adjusted for future growth. (Example: $60,000 multiplied by investment multiplier of 6.84) . . . . . . . $410,400 $__________

7. Amount you will need at retirement to get the amount needed in Line 5? Multiply Line 5 by 12.5. (Assume 3% inflation, 8% investment return, and that you will need 20 years of retirement income). . . . . . . . . . . . . . . . $574,750 $__________

8. Subtract Line 6 from Line 7 to determine how much you will need to save . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $164,350 $__________

9. Amount you will need to save each year to achieve a goal of $164,350? Divide Line 8 by the present value multiplier in the table below.(Example: $164,350 divided by 73.11) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2,247 $__________

10. Amount you need to save each month. Divide Line 9 by 12. . . . . . . . . . . . . . . . . . . . . . . . . . . . .$187 Monthly Investment $__________

11. The percentage you need to deduct monthly from your paycheck.(Example: $187 divided by $3,333 = .056). . . . . . . . . . . .5.6% Monthly Investment $__________

Number of years until retirement:

RETIREMENT GGOAL CCALCULATOR

5 10 15 20 25 30 35 40Inflation Multiplier:(3% inflation) 1.16 1.34 1.56 1.81 2.09 2.43 2.81 3.26

Investment Multiplier:(8% return) 1.46 2.15 3.17 4.66 6.84 10.06 14.78 21.72

Present Value Multiplier:(8% return) 5.87 14.49 27.15 45.76 73.11 113.28 172.32 259.06

RETIREMENT GOAL CALCULATOR

The first step in any retirement plan is to set a goal. Use this worksheet to help you to determine how muchmoney you need for retirement and the percentage you need to save to get there.

Example You

1. Your annual income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $40,000 $__________

2. Annual Income needed in retirement in today's dollars. . . . . . . . . . . . . . . $32,000 $__________(80% of $40,000)

3. Approximate amount of Social Security.Multiply Line 1 by .25 up to a maximum of . . . . . . . . . . . . . . . . . . . . . . . . . . . $10,000 $__________

4. Income shortfall that will need to be made up from your personal savings. Subtract Line 3 from Line 2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $22,000 $__________

5. Now adjust your shortfall for inflation by Multiplying Line 4 by the inflation multiplier from the table below. For this example, we assume 25 years remaining until retirement.Therefore, multiply $22,000 by 2.09 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$45,980 $__________

6. Investments already accumulated adjusted for future growth. (Example: $60,000 multiplied by investment multiplier of 6.84) . . . . . . . $410,400 $__________

7. Amount you will need at retirement to get the amount needed in Line 5? Multiply Line 5 by 12.5. (Assume 3% inflation, 8% investment return, and that you will need 20 years of retirement income). . . . . . . . . . . . . . . . $574,750 $__________

8. Subtract Line 6 from Line 7 to determine how much you will need to save . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $164,350 $__________

9. Amount you will need to save each year to achieve a goal of $164,350? Divide Line 8 by the present value multiplier in the table below.(Example: $164,350 divided by 73.11) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2,247 $__________

10. Amount you need to save each month. Divide Line 9 by 12. . . . . . . . . . . . . . . . . . . . . . . . . . . . .$187 Monthly Investment $__________

11. The percentage you need to deduct monthly from your paycheck.(Example: $187 divided by $3,333 = .056). . . . . . . . . . . .5.6% Monthly Investment $__________

Number of years until retirement:

5 10 15 20 25 30 35 40Inflation Multiplier:(3% inflation) 1.16 1.34 1.56 1.81 2.09 2.43 2.81 3.26

Investment Multiplier:(8% return) 1.46 2.15 3.17 4.66 6.84 10.06 14.78 21.72

Present Value Multiplier:(8% return) 5.87 14.49 27.15 45.76 73.11 113.28 172.32 259.06

DFA Emerging Markets Core Equity I

Fund Overview as of 09/30/2013

Management Company

Dimensional Fund Advisors

DFA Investment Dimensions Group Inc1299 Ocean Ave Ste 650 11th FLSanta Monica, CA 90401888-576-1167

Ticker

Expense Ratio

Month End NAV (09/30/2013)

Sub-Advisor

DFCEX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities

Avg 12 Month Turnover

Team

4.32 Yr(s)

04/05/2005

International Stock

12,236.7 Million

3958

Redemption Fees

0.68%

1.00%

n/a

$19.26

Investment PolicyThe investment seeks long-term capital appreciation. The Emerging Markets Core Equity Portfolio purchases a broad and diverse group of securities associated with emerging markets, which may include frontier markets (emerging market countries in an earlier stage of development), authorized for investment by the Advisor's Investment Committee ("Approved Markets"), with an increased exposure to securities of small cap issuers and securities that it considers to be value securities.

Asset ClassificationDiversified Emerging

Large

Medium

Small

Val GrwthBlnd

MorningStar ®Style Box ™

0K

4K

8K

12K

16K

20K

24K

28K

05 06 07 08 09 10 11 12 13

Growth of $10,000 Investment as of 09/30/2013

Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.

Investment Risk

Conservative Moderate Aggressive

Rating data is currently not available

Top 10 Holdings as of 07/31/2013

Holding Name Percent of TNASamsung Electronics Co Ltd 2.00%Taiwan Semiconductor Manufacturing Co Ltd 1.17%OAO Gazprom ADR 1.07%China Construction Bank Corp H Shares 0.95%Industrial And Commercial Bank Of China Ltd. H Shares 0.85%China Mobile Ltd. ADR 0.70%Hyundai Motor Co Ltd 0.64%Itau Unibanco Holding SA ADR 0.64%Petroleo Brasileiro SA Petrobras ADR 0.61%Bank Bradesco ADR 0.56%Percent of Assets in Top Holdings 9.19%

Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.

Annualized Performance as of 09/30/2013

3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life

Fund 5.79% -4.25% 2.60% -0.52% 8.83% n/a 10.14%

Morningstar Cat* 5.00% -2.95% 2.99% -0.49% 6.25% 12.01% ---

Category Rank 42% 51% 45% 48% 14% n/a

* Morningstar Diversified Emerging Mkts Average

The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 888-576-1167.

Asset Allocation as of 07/31/2013

95.38%

3.09%

1.53%

Equity

Other

Cash

Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.

Calendar Year Performance as of 09/30/2013

DFA Emerging Markets Core Equity I

2008

-50.66%

2009

83.58%

2010

23.62%

2011

-20.65%

2012

20.49%

You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 888-576-1167. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.

Top Sectors By Percent** as of 07/31/2013

Financial ServicesTechnology

Basic MaterialsConsumer Cyclical

IndustrialsEnergy

Consumer DefensiveCommunication Services

Real EstateUtilities

Health CareCash and Equivalents

Preferred

20.57%13.56%

11.46%10.70%

9.52%7.56%7.12%

5.02%4.06%

3.37%2.39%

1.53%0.18%

** Sector weightings based on Industry Classification Benchmarks (ICB) Industries

DFA International Core Equity I


Management Company



Ticker

Expense Ratio


Sub-Advisor

DFIEX

DFA Australia Limited

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

4.21 Yr(s)

09/15/2005

International Stock

9,062.7 Million

4953

Redemption Fees

0.40%

5.00%

n/a

$12.15

Investment PolicyThe investment seeks long-term capital appreciation. The fund purchases a broad and diverse group of securities of non-U.S. companies in developed markets with a greater emphasis on small capitalization and value companies as compared to their representation in the International Universe. As a non-fundamental policy, under normal circumstances, it will invest at least 80% of its net assets in equity securities.Asset Classification

Foreign Large Value

Large

Medium

Small

Val GrwthBlnd


0K2K4K6K8K

10K12K14K16K

05 06 07 08 09 10 11 12 13



Investment Risk




Holding Name Percent of TNARoyal Dutch Shell PLC ADR Class B 1.21%HSBC Holdings PLC ADR 1.21%BP PLC ADR 0.88%Vodafone Group PLC ADR 0.86%Novartis AG ADR 0.70%Toyota Motor Corp ADR 0.53%Zurich Insurance Group AG 0.52%UBS AG 0.48%Nestle SA 0.48%BNP Paribas 0.44%Percent of Assets in Top Holdings 7.31%




Fund 13.14% 16.30% 25.07% 8.53% 7.66% n/a 5.39%

Morningstar Cat* 10.68% 14.21% 21.72% 7.39% 5.26% 7.51% ---

Category Rank 7% 28% 18% 27% 11% n/a

* Morningstar Foreign Large Value Average



94.70%

4.78%

0.51%

Equity

Other

Cash



DFA International Core Equity I

2008

-44.01%

2009

39.29%

2010

13.91%

2011

-15.11%

2012

18.74%



Financial ServicesIndustrials

Consumer CyclicalBasic Materials

EnergyConsumer Defensive

TechnologyHealth Care

Communication ServicesUtilities

Real EstateCash and Equivalents

23.26%13.73%13.20%

10.34%7.76%

6.65%6.35%

5.17%3.22%2.63%2.31%

0.51%


Dreyfus S&P 500 Index


Management Company

Dreyfus

Dreyfus Index Funds Inc200 Park AvenueNew York, NY 10166800-373-9387

Ticker

Expense Ratio


Sub-Advisor

PEOPX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

6.68 Yr(s)

01/02/1990

US Stock

2,656.1 Million

504

Redemption Fees

0.50%

3.20%

n/a

$45.85

Investment PolicyThe investment seeks to match the performance of the Standard & Poor's® 500 Composite Stock Price Index. To pursue its goal, the fund generally is fully invested in stocks included in the S&P 500® Index and in futures whose performance is tied to the index. It generally invests in all 500 stocks in the S&P 500® Index in proportion to their weighting in the index. The S&P 500® Index is an unmanaged index of 500 common stocks chosen to reflect the industries of the U.S. economy and is often considered a proxy for the stock market in general. The fund is

Asset ClassificationLarge Blend

Large

Medium

Small

Val GrwthBlnd


0K

4K

8K

12K

16K

20K

03 04 05 06 07 08 09 10 11 12 13



Investment Risk




Holding Name Percent of TNAApple Inc 3.15%Exxon Mobil Corporation 2.68%Microsoft Corporation 1.73%Johnson & Johnson 1.67%General Electric Co 1.65%Chevron Corp 1.61%Google, Inc. Class A 1.57%Procter & Gamble Co 1.47%Berkshire Hathaway Inc Class B 1.40%Wells Fargo & Co 1.40%Percent of Assets in Top Holdings 18.33%




Fund 5.09% 19.37% 18.77% 15.73% 9.54% 7.08% 8.51%

Morningstar Cat* 5.74% 19.76% 20.43% 14.75% 9.29% 7.18% ---

Category Rank 71% 58% 66% 34% 41% 53%

* Morningstar Large Blend Average



100.21%

0.10%

-0.31%

Equity

Other

Cash



Dreyfus S&P 500 Index

2008

-37.28%

2009

26.04%

2010

14.56%

2011

1.65%

2012

15.45%



TechnologyFinancial Services

Health CareConsumer Cyclical

Consumer DefensiveEnergy

IndustrialsCommunication Services

Basic MaterialsUtilities

Real EstateCash and Equivalents

16.94%15.31%

12.87%10.89%10.88%10.65%10.46%

3.77%3.43%3.13%

1.88%1.86%


Fidelity New Markets Income


Management Company

Fidelity Investments

Fidelity Summer Street Trust82 Devonshire StreetBoston, MA 02109800-544-8544

Ticker

Expense Ratio


Sub-Advisor

FNMIX

FMR Co., Inc. (FMRC)

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


John Carlson

18.30 Yr(s)

05/04/1993

Taxable Bond

4,875.8 Million

264

Redemption Fees

0.87%

88.00%

1.00%*

$15.91

* if redeemed within 90 days

Investment PolicyThe investment seeks high current income; capital appreciation is a secondary objective. The fund normally invests at least 80% of assets in securities of issuers in emerging markets (countries that have an emerging stock market as defined by MSCI, countries or markets with low- to middle-income economies as classified by the World Bank, and other countries or markets with similar emerging characteristics) and other investments that are tied economically to emerging markets. It normally invests in debt securities of issuers in emerging markets.

Asset ClassificationEmerging Markets

High

Medium

Low

Limtd ExtrMod


0K

4K

8K

12K

16K

20K

24K

28K

03 04 05 06 07 08 09 10 11 12 13



Investment Risk




Holding Name Percent of TNARussian Federation 7.5% 3.44%Petroleos De Venezuela Sa 144A 8.5% 3.03%Petroleos De Venezuela Sa 4.9% 2.00%Slovenia Rep 5.5% 1.73%Petrobras Glbl Fin B V FRN 1.63%Russian Fedn 12.75% 1.61%Venezuela Rep 8.5% 1.25%Philippines Rep 10.625% 1.15%Republic Of Congo 3% 1.10%Hutchison Whampoa Intl 144A FRN 1.01%Percent of Assets in Top Holdings 17.95%




Fund 1.05% -6.88% -3.25% 5.94% 11.10% 9.55% 11.54%

Morningstar Cat* 0.10% -7.27% -3.75% 3.44% 8.76% 8.48% ---

Category Rank 10% 29% 30% 5% 11% 12%

* Morningstar Emerging Markets Bond Average



87.16%

11.53%

1.26%

0.06%

Fixed

Cash

Equity

Other



Fidelity New Markets Income

2008

-18.24%

2009

44.56%

2010

10.94%

2011

7.95%

2012

20.00%


Top 15 Sectors By Percent** as of 08/31/2013

GovernmentCorporate Bond

Cash and EquivalentsGovernment Related

Financial ServicesEnergy

TechnologyBasic Materials

Communication ServicesConsumer Cyclical

Consumer DefensiveIndustrialsPreferred

Real EstateUtilities

45.39%33.08%

11.53%7.66%

0.54%0.21%0.12%0.07%0.07%0.07%0.06%0.05%0.03%0.02%0.02%


Franklin Convertible Securities A


Management Company

Franklin Templeton Investment Funds

Franklin Investors Securities TrustOne Franklin ParkwaySan Mateo, CA 94403-1906800-632-2301

Ticker

Expense Ratio


Sub-Advisor

FISCX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

6.98 Yr(s)

04/15/1987

Balanced

1,327.5 Million

75

Redemption Fees

0.90%

12.82%

n/a

$17.52

Investment PolicyThe investment seeks to maximize total return, consistent with reasonable risk, by seeking to optimize capital appreciation and high current income under varying market conditions. The fund normally invests at least 80% of its net assets in convertible securities. It may invest up to 100% of its assets in securities that are rated below investment grade; however, the fund will not invest more than 10% of its assets in securities rated below B or in unrated securities of comparable quality.

Asset ClassificationConvertibles

Large

Medium

Small

Val GrwthBlnd


0K

4K

8K

12K

16K

20K

24K

03 04 05 06 07 08 09 10 11 12 13



Investment Risk




Holding Name Percent of TNAMicrochip Tech 144A Cv 2.125% 2.55%Micron Tech 144A Cv 2.125% 2.53%Alliance Data Sys Cv 1.75% 2.39%Brookdale Sr Living Cv 2.75% 2.33%Stanley Uts 18 2.26%Salix Pharmaceuticals Cv 2.75% 2.26%Xilinx Cv 2.625% 2.26%2010 Swift Mandatory Com Exchan Pfd 144A 2.25%Novellus Sys Cv 2.625% 2.24%Iconix Brand Grp Cv 2.5% 2.17%Percent of Assets in Top Holdings 23.24%




Fund 7.85% 17.12% 20.37% 11.36% 12.67% 8.56% 9.37%

Morningstar Cat* 6.34% 15.49% 17.49% 9.60% 10.02% 6.77% ---

Category Rank 8% 39% 37% 24% 6% 5%

* Morningstar Convertibles Average



91.19%

4.23%

2.54%

2.03%

Other

Equity

Cash

Fixed



Franklin Convertible Securities A

2008

-35.38%

2009

49.72%

2010

20.50%

2011

-5.58%

2012

13.39%



Convertible

Preferred

Cash and Equivalents

Corporate Bond

Utilities

Financial Services

Industrials

Technology

63.56%

26.25%

2.54%

2.03%

1.93%

1.09%

0.99%

0.22%


Perkins Mid Cap Value T


Management Company

Janus

Janus Investment Fund151 Detroit StreetDenver, CO 80206800-525-0020

Ticker

Expense Ratio


Sub-Advisor

JMCVX

Perkins Investment Mgmt LLC

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

10.27 Yr(s)

08/12/1998

US Stock

11,310.3 Million

118

Redemption Fees

0.84%

60.00%

n/a

$25.06

Investment PolicyThe investment seeks capital appreciation. The fund primarily invests in the common stocks of mid-sized companies whose stock prices the portfolio managers believe to be undervalued. It invests at least 80% of its net assets in equity securities of companies whose market capitalization falls, at the time of purchase, within the 12-month average of the capitalization range of the Russell Midcap® Value Index. This average is updated monthly.Asset Classification

Mid-Cap Value

Large

Medium

Small

Val GrwthBlnd


0K

4K

8K

12K

16K

20K

24K

28K

03 04 05 06 07 08 09 10 11 12 13



Investment Risk




Holding Name Percent of TNAMarsh & McLennan Companies, Inc. 1.91%PPL Corp 1.71%Republic Services Inc Class A 1.65%CIT Group Inc 1.51%Laboratory Corporation of America Holdings 1.50%Torchmark Corporation 1.39%Discover Financial Services 1.36%Cullen Frost Bankers, Inc. 1.33%Plains All American Pipeline LP 1.32%Allstate Corp 1.32%Percent of Assets in Top Holdings 15.00%




Fund 4.37% 17.43% 18.79% 11.58% 8.72% 9.84% 12.24%

Morningstar Cat* 6.80% 23.97% 28.32% 16.01% 11.81% 9.49% ---

Category Rank 92% 94% 95% 96% 92% 45%

* Morningstar Mid-Cap Value Average



90.42%

9.57%

Equity

Cash



Perkins Mid Cap Value T

2008

-27.33%

2009

30.37%

2010

14.81%

2011

-2.55%

2012

10.32%



Financial ServicesIndustrials

Health CareCash and Equivalents

Real EstateTechnology

EnergyConsumer Cyclical

Consumer DefensiveUtilities

Basic MaterialsCommunication Services

21.36%14.30%

13.46%9.57%9.15%

7.85%7.04%

5.74%4.03%

3.33%2.34%1.83%


PIMCO Commodity Real Ret Strat Instl


Management Company

PIMCO

PIMCO Investments LLC distributor1633 BroadwayNew York, NY 10019888-877-4626

Ticker

Expense Ratio


Sub-Advisor

PCRIX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Mihir Worah

5.75 Yr(s)

06/28/2002

Commodities

16,368.5 Million

569

Redemption Fees

0.74%

57.00%

n/a

$5.71

Investment PolicyThe investment seeks maximum real return, consistent with prudent investment management. The fund normally invests in commodity-linked derivative instruments backed by a portfolio of inflation-indexed securities and other Fixed Income Instruments. "Fixed Income Instruments" include bonds, debt securities and other similar instruments issued by various US and non-US public- or private-sector entities. It will seek to gain exposure to the commodity markets primarily through investments in leveraged or unleveraged commodity index-linked notes.

Asset ClassificationCommodities Broad

Large

Medium

Small

Val GrwthBlnd


0K

4K

8K

12K

16K

20K

24K

28K

03 04 05 06 07 08 09 10 11 12 13



Investment Risk




Holding Name Percent of TNAUS Treasury Note 1.25% 15.61%Pimco Cayman Cmdty Fd Ltd Instl 14.40%Fin Fut Euro$ Cme 03/14/16 9.88%US Treasury Note 8.23%US Treasury Note 2.625% 6.00%US Treasury Note 5.61%US Treasury Note 2.5% 5.19%US Treasury Note 1.125% 4.66%Fin Fut Euro$ Cme 03/13/17 4.16%US Treasury Note 1.375% 3.30%Percent of Assets in Top Holdings 77.04%




Fund 3.47% -12.82% -17.85% -0.68% -1.06% 4.70% 7.55%

Morningstar Cat* 3.21% -8.17% -13.08% -1.41% -6.41% 1.61% ---

Category Rank 36% 87% 86% 34% 1% 1%

* Morningstar Commodities Broad Basket Average



102.52%

14.81%

-17.33%

Fixed

Other

Cash



PIMCO Commodity Real Ret Strat Instl

2008

-43.33%

2009

39.92%

2010

24.13%

2011

-7.56%

2012

5.31%



GovernmentFuture Forward

Government RelatedCash and Equivalents

Non-Agency Res Mtg BkAsset Backed

Corporate BondCommercial Mtg Backed

Bank LoanAgency Mtg Backed

PreferredUS Muni Tax Advtged

SwapMuni Taxable

74.80%14.63%

9.11%6.86%

2.80%1.35%1.21%1.03%0.39%0.15%0.12%0.09%0.04%0.04%


PIMCO Real Return A


Management Company

PIMCO


Ticker

Expense Ratio


Sub-Advisor

PRTNX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Mihir Worah

5.75 Yr(s)

01/29/1997

Taxable Bond

17,994.6 Million

770

Redemption Fees

0.85%

41.00%

n/a

$11.30

Investment PolicyThe investment seeks maximum real return, consistent with preservation of capital and prudent investment management. The fund normally invests at least 80% of its net assets in inflation-indexed bonds of varying maturities issued by the US and non-US governments, their agencies or instrumentalities, and corporations, which may be represented by forwards or derivatives such as options, futures contracts or swap agreements. It invests primarily in investment grade securities, but may invest up to 10% of its total assets in high yield securities ("junk bonds") rated B or

Asset ClassificationInflation-Protected

High

Medium

Low

Limtd ExtrMod


0K2K4K6K8K

10K12K14K16K18K

03 04 05 06 07 08 09 10 11 12 13



Investment Risk




Holding Name Percent of TNAFin Fut Euro$ Cme 03/14/16 12.11%US Treasury Note 10.70%US Treasury Bond 3.625% 7.33%US Treasury Bond 3.875% 7.20%US Treasury Note 1.25% 6.99%US Treasury Bond 2.375% 6.27%US Treasury Note 0.125% 5.33%US Treasury Note 5.11%Fin Fut Euro$ Cme 09/14/15 4.94%US Treasury Bond 2% 4.76%Percent of Assets in Top Holdings 70.74%




Fund 1.08% -7.39% -6.56% 3.47% 6.17% 5.17% 6.55%

Morningstar Cat* 0.64% -6.28% -5.78% 3.01% 4.52% 4.58% ---

Category Rank 8% 79% 65% 28% 6% 12%

* Morningstar Inflation-Protected Bond Average



128.74%

1.04%

-29.78%

Fixed

Other

Cash



PIMCO Real Return A

2008

-6.84%

2009

18.43%

2010

7.33%

2011

11.11%

2012

8.82%



GovernmentGovernment Related

Cash and EquivalentsNon-Agency Res Mtg Bk

Asset BackedCorporate BondFuture Forward

Commercial Mtg BackedBank Loan

Agency Mtg BackedMuni Taxable

PreferredUS Muni Tax Advtged

Swap

97.26%27.11%

13.77%2.45%1.80%1.46%1.05%0.52%0.38%0.20%0.10%0.09%0.08%0.03%


PIMCO Total Return A


Management Company

PIMCO


Ticker

Expense Ratio


Sub-Advisor

PTTAX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


William Gross

26.41 Yr(s)

01/13/1997

Taxable Bond

250,051.0 Million

20604

Redemption Fees

0.85%

380.00%

n/a

$10.82

Investment PolicyThe investment seeks maximum total return, consistent with preservation of capital and prudent investment management. The fund normally invests at least 65% of its total assets in a diversified portfolio of Fixed Income Instruments of varying maturities, which may be represented by forwards or derivatives such as options, futures contracts, or swap agreements.

Asset ClassificationIntermediate-Term

High

Medium

Low

Limtd ExtrMod


0K2K4K6K8K

10K12K14K16K18K

03 04 05 06 07 08 09 10 11 12 13



Investment Risk




Holding Name Percent of TNAFin Fut Euro$ Cme 06/15/15 15.35%Irs Usd 3mls/1.50000s 03/18/15-16 Cme 13.39%Fin Fut Euro$ Cme 12/14/15 9.80%Fin Fut Us 10yr Cbt 09/19/13 3.07%Fin Fut Euro$ Cme 09/14/15 2.79%Fin Fut Euro$ Cme 03/14/16 2.66%FNMA 2.62%US Treasury Note 2% 2.16%Irs Usd 3mlq/2.75000s 06/19/13-43 Cme 2.10%US Treasury Note 1.89%Percent of Assets in Top Holdings 55.83%




Fund 1.07% -2.17% -1.13% 3.36% 7.51% 5.65% 6.55%

Morningstar Cat* 0.61% -1.70% -0.96% 3.39% 6.43% 4.45% ---

Category Rank 9% 67% 48% 47% 23% 12%

* Morningstar Intermediate-Term Bond Average



149.69%

2.55%

-52.24%

Fixed

Other

Cash



PIMCO Total Return A

2008

4.32%

2009

13.33%

2010

8.36%

2011

3.74%

2012

9.93%


Top 15 Sectors By Percent** as of 06/30/2013

Government RelatedGovernment

Agency Mtg BackedCash and Equivalents

Corporate BondNon-Agency Res Mtg Bk

SwapFuture Forward

Muni TaxableAsset Backed

US Muni Tax AdvtgedBank Loan

Commercial Mtg BackedOption Warrant

Preferred

54.72%39.19%

28.68%12.78%

8.85%5.82%5.45%4.51%3.49%2.18%0.99%0.88%0.68%0.18%0.13%


PRIMECAP Odyssey Aggressive Growth


Management Company

PRIMECAP Odyssey Funds

225 South Lake Avenue, Suite 400Pasadena, CA 91101800-729-2307

Ticker

Expense Ratio


Sub-Advisor

POAGX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

7.06 Yr(s)

11/01/2004

US Stock

4,146.0 Million

115

Redemption Fees

0.68%

14.00%

n/a

$28.21

Investment PolicyThe investment seeks to provide long-term capital appreciation. The fund invests primarily in the common stocks of U.S. companies, emphasizing those companies with prospects for rapid earnings growth. It may invest in stocks across all market sectors and market capitalizations and has historically invested significant portions of its assets in mid- and small-capitalization companies.

Asset ClassificationMid-Cap Growth

Large

Medium

Small

Val GrwthBlnd


0K

4K

8K

12K

16K

20K

24K

28K

04 05 06 07 08 09 10 11 12



Investment Risk




Holding Name Percent of TNAPharmacyclics, Inc. 3.59%Roche Holding AG 3.49%Dreamworks Animation SKG, Inc. 3.46%Seattle Genetics, Inc. 3.08%comScore, Inc. 2.27%CME Group, Inc. Class A 2.25%Google, Inc. Class A 2.09%ExactTarget Inc 2.04%Shutterfly, Inc. 2.01%Immunogen, Inc. 1.98%Percent of Assets in Top Holdings 26.26%




Fund 14.26% 44.82% 44.44% 24.66% 21.00% n/a 13.26%

Morningstar Cat* 10.13% 24.63% 26.11% 15.98% 11.90% 9.26% ---

Category Rank 4% 1% 1% 1% 1% n/a

* Morningstar Mid-Cap Growth Average



90.61%

9.39%

Equity

Cash



PRIMECAP Odyssey Aggressive Growth

2008

-34.60%

2009

50.43%

2010

21.57%

2011

-0.45%

2012

21.22%



Technology

Health Care

Industrials

Consumer Cyclical


Energy

Financial Services

Consumer Defensive

Basic Materials

Communication Services

30.55%

26.83%

13.52%

10.02%

9.39%

3.46%

3.18%

1.63%

1.02%

0.39%


T. Rowe Price New America Growth Adv


Management Company

T. Rowe Price

100 East Pratt StreetBaltimore, MD 21202800-638-5660

Ticker

Expense Ratio


Sub-Advisor

PAWAX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Daniel Martino

0.38 Yr(s)

12/29/2005

US Stock

4,126.0 Million

121

Redemption Fees

1.09%

34.40%

n/a

$43.85

Investment PolicyThe investment seeks to provide long-term capital growth. The fund invests primarily (at least 65% of total assets) in common stocks of U.S. companies operating in those sectors of the economy that, in the view of T. Rowe Price, are the fastest growing or have the greatest growth potential. It may invest in foreign stocks in keeping with the fund's objectives. The fund may sell securities for a variety of reasons, such as to secure gains, limit losses, or redeploy assets into more promising opportunities.

Asset ClassificationLarge Growth

Large

Medium

Small

Val GrwthBlnd


0K

4K

8K

12K

16K

20K

05 06 07 08 09 10 11 12



Investment Risk




Holding Name Percent of TNAGoogle, Inc. Class A 5.42%Amazon.com Inc 3.56%MasterCard Incorporated Class A 2.76%eBay Inc 2.31%Crown Castle International Corp 2.12%Boeing Co 2.11%Gilead Sciences Inc 1.97%IntercontinentalExchange, Inc. 1.85%Procter & Gamble Co 1.83%Qualcomm, Inc. 1.72%Percent of Assets in Top Holdings 25.65%




Fund 12.06% 23.52% 24.43% 16.60% 12.87% 9.05% 8.15%

Morningstar Cat* 9.34% 21.41% 20.68% 15.27% 10.66% 7.62% ---

Category Rank 13% 23% 19% 28% 18% 17%

* Morningstar Large Growth Average



94.79%

3.88%

1.33%

Equity

Other

Cash



T. Rowe Price New America Growth Adv

2008

-38.42%

2009

48.98%

2010

19.06%

2011

-0.66%

2012

13.26%



Technology

Health Care

Industrials

Consumer Cyclical

Financial Services

Consumer Defensive


Basic Materials

Energy


Real Estate

25.29%

15.58%

14.97%

11.72%

8.79%

5.57%

4.53%

4.02%

3.11%

1.33%

1.29%


Vanguard REIT Index Inv


Management Company

Vanguard

Po Box 2600V26Valley Forge, PA 19482800-662-7447

Ticker

Expense Ratio


Sub-Advisor

VGSIX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Gerard O'Reilly

17.39 Yr(s)

05/13/1996

US Stock

33,431.2 Million

134

Redemption Fees

0.24%

9.00%

n/a

$21.96

Investment PolicyThe investment seeks to provide a high level of income and moderate long-term capital appreciation by tracking the performance of a benchmark index that measures the performance of publicly traded equity REITs. The fund employs an indexing investment approach designed to track the performance of the MSCI US REIT Index. The index is composed of stocks of publicly traded equity real estate investment trusts (known as REITs).Asset Classification

Real Estate

Large

Medium

Small

Val GrwthBlnd


0K

4K

8K

12K

16K

20K

24K

28K

03 04 05 06 07 08 09 10 11 12 13



Investment Risk




Holding Name Percent of TNASimon Property Group Inc 9.60%Public Storage 4.49%HCP Inc 3.85%Ventas Inc 3.71%Equity Residential 3.71%Prologis Inc 3.66%Health Care REIT, Inc. 3.51%AvalonBay Communities Inc 3.22%Boston Properties Inc 3.14%Vornado Realty Trust 2.76%Percent of Assets in Top Holdings 41.65%




Fund -3.01% 3.08% 5.59% 12.17% 6.20% 9.51% 10.45%

Morningstar Cat* -2.54% 1.91% 4.21% 11.27% 5.77% 8.66% ---

Category Rank 61% 21% 19% 13% 30% 35%

* Morningstar Real Estate Average



98.92%

1.08%

Equity

Cash



Vanguard REIT Index Inv

2008

-37.05%

2009

29.58%

2010

28.30%

2011

8.47%

2012

17.53%



Real Estate

Industrials


97.70%

1.22%

1.08%


Vanguard Short-Term Investment-Grade Adm


Management Company

Vanguard

PO Box 2600V26Valley Forge, PA 19482800-662-7447

Ticker

Expense Ratio


Sub-Advisor

VFSUX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Gregory Nassour

5.34 Yr(s)

02/12/2001

Taxable Bond

45,716.3 Million

1710

Redemption Fees

0.10%

80.00%

n/a

$10.71

Investment PolicyThe investment seeks to provide current income while maintaining limited price volatility. The fund invests in a variety of high-quality and, to a lesser extent, medium-quality fixed income securities, at least 80% of which will be short- and intermediate-term investment-grade securities. High-quality fixed income securities are those rated the equivalent of A3 or better; medium-quality fixed income securities are those rated the equivalent of Baa1, Baa2, or Baa3. It is expected to maintain a dollar-weighted average maturity of 1 to 4 years.

Asset ClassificationShort-Term Bond

High

Medium

Low

Limtd ExtrMod


0K2K4K6K8K

10K12K14K16K

03 04 05 06 07 08 09 10 11 12 13



Investment Risk




Holding Name Percent of TNAUS Treasury Note 1.51%US Treasury Note 0.5% 1.34%US Treasury Note 1.375% 1.03%US Treasury Note 0.375% 1.00%US Treasury Note 0.25% 0.83%US Treasury Note 0.375% 0.81%US Treasury Note 0.75% 0.67%US Treasury Note 2.5% 0.66%US Treasury Note 2.625% 0.62%US Treasury Note 2.25% 0.59%Percent of Assets in Top Holdings 9.06%




Fund 0.95% 0.47% 1.04% 2.34% 4.72% 3.70% 4.17%

Morningstar Cat* 0.57% 0.00% 0.37% 1.72% 3.59% 2.92% ---

Category Rank 12% 25% 25% 23% 21% 16%

* Morningstar Short-Term Bond Average



94.50%

5.39%

0.10%

Fixed

Cash

Other



Vanguard Short-Term Investment-Grade Adm

2008

-4.65%

2009

14.17%

2010

5.32%

2011

2.02%

2012

4.63%



Corporate BondGovernment

Asset BackedCash and EquivalentsGovernment Related

Non-Agency Res Mtg BkCommercial Mtg Backed

Muni TaxableAgency Mtg Backed

US Muni Tax AdvtgedPreferred

Convertible

58.28%15.39%14.87%

5.39%1.84%1.69%1.38%0.85%0.11%0.08%0.06%0.01%


Vanguard Small Cap Index Inv


Management Company

Vanguard

Vanguard Index FundsPO Box 2600Valley Forge, PA 19482800-662-7447

Ticker

Expense Ratio


Sub-Advisor

NAESX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Michael Buek

21.77 Yr(s)

10/03/1960

US Stock

39,663.7 Million

1439

Redemption Fees

0.24%

14.00%

n/a

$49.00

Investment PolicyThe investment seeks to track the performance of a benchmark index that measures the investment return of small-capitalization stocks. The fund employs an indexing investment approach designed to track the performance of the CRSP US Small Cap Index, a broadly diversified index of stocks of small U.S. companies. It attempts to replicate the target index by investing all, or substantially all, of its assets in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index.

Asset ClassificationSmall Blend

Large

Medium

Small

Val GrwthBlnd


0K

4K

8K

12K

16K

20K

24K

28K

03 04 05 06 07 08 09 10 11 12 13



Investment Risk




Holding Name Percent of TNAOnyx Pharmaceuticals, Inc. 0.39%Polaris Industries, Inc. 0.30%B/E Aerospace Inc 0.30%Fortune Brands Home & Security Inc 0.28%Genworth Financial Inc 0.26%Pharmacyclics, Inc. 0.26%Hanesbrands Inc 0.26%Cooper Companies 0.25%NCR Corporation 0.24%Gannett Co Inc 0.24%Percent of Assets in Top Holdings 2.78%




Fund 9.16% 26.50% 29.98% 18.81% 13.10% 10.81% 10.75%

Morningstar Cat* 9.19% 25.76% 28.86% 17.24% 11.27% 9.52% ---

Category Rank 51% 42% 41% 30% 19% 20%

* Morningstar Small Blend Average



98.87%

1.13%

Equity

Cash



Vanguard Small Cap Index Inv

2008

-36.07%

2009

36.12%

2010

27.72%

2011

-2.80%

2012

18.04%



IndustrialsConsumer Cyclical

TechnologyFinancial Services

Health CareReal Estate

Basic MaterialsEnergy

Consumer DefensiveUtilities

Communication ServicesCash and Equivalents

17.12%15.72%

14.14%12.79%

10.41%10.09%

4.93%4.52%

4.05%3.79%

1.32%1.13%


Vanguard Total Bond Market Index Inv


Management Company

Vanguard

PO Box 2600V26Valley Forge, PA 19482800-662-7447

Ticker

Expense Ratio


Sub-Advisor

VBMFX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

10.72 Yr(s)

12/11/1986

Taxable Bond

109,023.1 Million

16057

Redemption Fees

0.20%

80.00%

n/a

$10.66

Investment PolicyThe investment seeks the performance of a broad, market-weighted bond index. The fund employs an indexing investment approach designed to track the performance of the Barclays US Aggregate Float Adjusted Index. This Index represents a wide spectrum of public, investment-grade, taxable, fixed income securities in the United States-including government, corporate, and international dollar-denominated bonds, as well as mortgage-backed and asset-backed securities-all with maturities of more than 1 year.

Asset ClassificationIntermediate-Term

High

Medium

Low

Limtd ExtrMod


0K2K4K6K8K

10K12K14K16K

03 04 05 06 07 08 09 10 11 12 13



Investment Risk




Holding Name Percent of TNAUS Treasury Note 1.75% 0.70%US Treasury Bond 6.25% 0.70%US Treasury Note 0.375% 0.69%US Treasury Note 0.375% 0.63%US Treasury Note 0.25% 0.59%US Treasury Note 0.25% 0.56%US Treasury Note 1.625% 0.56%US Treasury Note 0.375% 0.56%US Treasury Note 2.125% 0.55%US Treasury Note 0.625% 0.54%Percent of Assets in Top Holdings 6.08%




Fund 0.51% -2.04% -1.94% 2.64% 5.22% 4.46% 6.46%

Morningstar Cat* 0.61% -1.70% -0.96% 3.39% 6.43% 4.45% ---

Category Rank 63% 60% 76% 75% 78% 49%

* Morningstar Intermediate-Term Bond Average



97.18%

2.71%

0.11%

Fixed

Cash

Other



Vanguard Total Bond Market Index Inv

2008

5.05%

2009

5.93%

2010

6.42%

2011

7.56%

2012

4.05%



Government

Corporate Bond

Agency Mtg Backed

Government Related


Non-Agency Res Mtg Bk

Commercial Mtg Backed

Muni Taxable

Asset Backed

Preferred

Convertible

40.40%

22.92%

22.36%

6.80%

2.71%

2.01%

1.34%

0.89%

0.45%

0.06%

0.01%


DFA US Large Cap Value I


Management Company



Ticker

Expense Ratio


Sub-Advisor

DFLVX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

2.57 Yr(s)

02/19/1993

US Stock

11,228.9 Million

234

Redemption Fees

0.27%

10.00%

n/a

$28.29

Investment PolicyThe investment seeks long-term capital appreciation. The U.S. Large Cap Value Portfolio is a Feeder Portfolio and pursues its objective by investing substantially all of its assets in its corresponding Master fund, The U.S. Large Cap Value Series (the "U.S. Large Cap Value Series") of The DFA Investment Trust Company (the "Trust"), which has the same investment objective and policies as the U.S. Large Cap Value Portfolio. As a non-fundamental policy, under normal circumstances, the U.S. Large Cap Value Series will invest at least 80% of its net assets in securities of large cap

Asset ClassificationLarge Value

Large

Medium

Small

Val GrwthBlnd


0K

4K

8K

12K

16K

20K

24K

28K

03 04 05 06 07 08 09 10 11 12 13



Investment Risk




Holding Name Percent of TNABank of America Corporation 4.07%Citigroup Inc 3.87%AT&T Inc 3.66%Chevron Corp 3.63%General Electric Co 3.40%Comcast Corp Class A 3.23%ConocoPhillips 2.82%CVS Caremark Corp 2.82%American International Group Inc 2.36%Time Warner Inc 2.21%Percent of Assets in Top Holdings 32.07%




Fund 5.87% 24.92% 29.34% 18.58% 10.76% 9.27% 10.04%

Morningstar Cat* 4.43% 19.98% 21.22% 14.66% 8.70% 7.32% ---

Category Rank 11% 6% 5% 2% 11% 7%

* Morningstar Large Value Average



99.72%

0.28%

Equity

Cash



DFA US Large Cap Value I

2008

-40.80%

2009

30.19%

2010

20.17%

2011

-3.14%

2012

22.05%



Financial Services

Energy

Industrials


Health Care

Consumer Defensive

Technology

Consumer Cyclical

Basic Materials

Utilities


25.67%

19.34%

11.31%

10.71%

8.23%

7.58%

7.23%

6.62%

2.72%

0.32%

0.28%


Mutual Fund Detail ReportDisclosure Statement

This fund fact sheet is provided by Matrix Settlement and Clearing Services, LLC (MSCS) and its affiliate MSCS Financial Services (MSCSFS) member FINRA.Securities services may be offered through MSCSFS, a wholly-owned subsidiary of MSCS. This fund fact sheet is for informational and research purposes onlyand we do not guarantee the accuracy, timeliness or completeness of the information provided. Data is based on information collected from the investmentcompany, it is updated as of the date shown in the section’s title, and will vary over time.

The total return information does not reflect the deduction of the Sales Load that may apply if the Fund shares were purchased outside of the Plan and, if theSales Load were reflected, performance would be lower.

A market index is an unmanaged portfolio of securities such as stocks and bonds. An index is often used as a comparative benchmark for managed portfoliossuch as mutual funds. These indices are presented to help you evaluate the performance of the broad market, which they represent, and provide you with anunderstanding of that market’s historic long-term performance, and a broad indication of price movement. Individual investors cannot invest directly in an index.Past performance is not indicative of future results.

© 2013 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

The Morningstar Style Box reveals a Fund’s investment style as of the date noted on this report. For equity funds the vertical axis shows the market capitalization of the stocks owned and the horizontal axis shows investment style (value, blend, or growth).

Morningstar Risk evaluates a mutual fund’s downside volatility relative to that of other funds in its Morningstar Category. It is an assessment of the variations in a fund’s monthly returns, with an emphasis on downside variations, in comparison with the mutual funds in its Morningstar Category. In each Morningstar Category, the 10% of funds with the lowest measured risk are described as Low Risk (LOW), the next 22.5% Below Average (-AVG), the middle 35% Average (AVG), the next 22.5% Above Average (+AVG), and the top 10% High (HIGH). Morningstar Risk is measured for up to three time periods (three-, five-, and 10 years). These separate measures are then weighted and averaged to produce an overall measure for the mutual fund. Funds with less than three years of performance history are not rated.

Style Analysis Risk

SEI/Aaron's 401(k) Retirement PlanRecommended Investment Guidelines

Conservativeg 1% Perkins Mid Cap Value Tg 1% PRIMECAP Odyssey Aggressive Growthg 1% Vanguard Small Cap Index Invg 2% PIMCO Commodity Real Ret Strat Instlg 2% Vanguard REIT Index Invg 3% DFA Emerging Markets Core Equity Ig 3% T. Rowe Price New America Growth Advg 4% DFA International Core Equity Ig 10% Fidelity New Markets Incomeg 10% PIMCO Real Return Ag 25% Vanguard Short-Term Investment-Grade Admg 35% Galliard Stable Return Class

Moderate Conservativeg 2% Vanguard Small Cap Index Invg 3% Perkins Mid Cap Value Tg 3% PIMCO Commodity Real Ret Strat Instlg 3% PRIMECAP Odyssey Aggressive Growthg 5% Vanguard REIT Index Invg 5% T. Rowe Price New America Growth Advg 6% DFA Emerging Markets Core Equity Ig 7% PIMCO Real Return Ag 8% DFA International Core Equity Ig 8% Fidelity New Markets Incomeg 20% Vanguard Short-Term Investment-Grade Admg 25% Galliard Stable Return Class

Moderateg 4% Perkins Mid Cap Value Tg 4% PIMCO Commodity Real Ret Strat Instlg 4% PRIMECAP Odyssey Aggressive Growthg 5% Vanguard Small Cap Index Invg 6% Fidelity New Markets Incomeg 7% PIMCO Real Return Ag 7% T. Rowe Price New America Growth Advg 8% DFA Emerging Markets Core Equity Ig 8% Vanguard REIT Index Invg 10% Galliard Stable Return Classg 13% DFA International Core Equity Ig 17% Vanguard Short-Term Investment-Grade Adm

Moderate Aggressiveg 4% Fidelity New Markets Incomeg 6% Perkins Mid Cap Value Tg 6% PIMCO Commodity Real Ret Strat Instlg 6% PRIMECAP Odyssey Aggressive Growthg 6% Vanguard Small Cap Index Invg 8% PIMCO Real Return Ag 8% Vanguard Short-Term Investment-Grade Admg 9% T. Rowe Price New America Growth Advg 10% DFA Emerging Markets Core Equity Ig 10% Vanguard REIT Index Invg 18% DFA International Core Equity I

The models above depict ways to actively control an investment mix by diversifying across very distinct asset classes. Keep in mind that the models serve only as a guide and are based on a normal retirement age. Each investor has the ability to customize his/her portfolio to his/her own particular objectives. Your final decision on asset allocation is based on your individual situation, needs, goals and aversion to risk. If any of these factors change, you should review your investment allocation. The investment return and principal value of many investment options will fluctuate so that an investor’s units, when redeemed, may be worth more or less than the original cost.

SEI/Aaron's 401(k) Retirement PlanRecommended Investment Guidelines

Aggressiveg 2% Fidelity New Markets Incomeg 4% PIMCO Real Return Ag 4% Vanguard Short-Term Investment-Grade Admg 6% Perkins Mid Cap Value Tg 6% PRIMECAP Odyssey Aggressive Growthg 7% PIMCO Commodity Real Ret Strat Instlg 7% Vanguard Small Cap Index Invg 10% T. Rowe Price New America Growth Advg 11% Vanguard REIT Index Invg 12% DFA Emerging Markets Core Equity Ig 21% DFA International Core Equity I

The models above depict ways to actively control an investment mix by diversifying across very distinct asset classes. Keep in mind that the models serve only as a guide and are based on a normal retirement age. Each investor has the ability to customize his/her portfolio to his/her own particular objectives. Your final decision on asset allocation is based on your individual situation, needs, goals and aversion to risk. If any of these factors change, you should review your investment allocation. The investment return and principal value of many investment options will fluctuate so that an investor’s units, when redeemed, may be worth more or less than the original cost.

Investment Performance SummaryPerformance as of October 31, 2013

Investment Name Year to Date 3 Month 1 Year 3 Year 5 Year 10 Year

Since Inception

Fund Return

Gross Expense

Ratio

Net Expense

Ratio

DFA Emerging Markets Core Equity I -0.12% 8.87% 7.75% -0.08% 17.29% NA 10.57% 0.68% 0.68%

DFA International Core Equity I 20.32% 10.20% 27.98% 8.46% 14.11% NA 5.78% 0.40% 0.40%

Dreyfus S&P 500 Index 24.81% 4.63% 26.56% 16.02% 14.67% 6.98% 8.69% 0.51% 0.50%

Fidelity New Markets Income -4.76% 2.25% -1.86% 6.13% 16.49% 9.69% 11.61% 0.87% 0.87%

Franklin Convertible Securities A 19.12% 4.76% 22.92% 10.64% 18.04% 8.32% 9.41% 0.90% 0.90%

Perkins Mid Cap Value T 21.70% 3.76% 24.28% 11.93% 13.94% 9.55% 12.43% 0.77% 0.77%

PIMCO Commodity Real Ret Strat Instl -13.74% -0.15% -15.52% -3.18% 5.77% 4.10% 7.39% 0.91% 0.74%

PIMCO Real Return A -6.92% 0.54% -6.81% 2.71% 8.25% 5.20% 6.54% 0.88% 0.85%

PIMCO Total Return A -1.29% 1.52% -0.57% 3.32% 7.91% 5.82% 6.58% 0.85% 0.85%

PRIMECAP Odyssey Aggressive Growth 47.38% 8.50% 52.23% 23.21% 26.17% NA 13.35% 0.68% 0.68%

T. Rowe Price New America Growth Adv 29.21% 10.29% 32.79% 16.71% 19.39% 8.95% 8.69% 1.09% 1.09%

Vanguard REIT Index Inv 7.68% 0.49% 11.23% 12.05% 15.46% 9.81% 10.67% 0.24% 0.24%

Vanguard Short-Term Investment-Grade Adm 1.02% 1.07% 1.33% 2.33% 5.51% 3.79% 4.18% 0.10% 0.10%

Vanguard Small Cap Index Inv 30.63% 5.68% 36.22% 18.50% 19.49% 10.30% 10.80% 0.24% 0.24%

Vanguard Total Bond Market Index Inv -1.28% 1.09% -1.29% 2.78% 5.93% 4.65% 6.46% 0.20% 0.20%

DFA US Large Cap Value I 31.24% 4.93% 35.52% 19.10% 17.72% 9.11% 10.26% 0.27% 0.27%

For more information about any investment option available in your Retirement Plan, please request a prospectus. A prospectus contains more information regarding risks, fees, and expenses. You should read and consider information in a prospectus carefully before investing. Investment returns will fluctuate, cannot be guaranteed and do not predict the future performance of any investment.

Fund Allocation

Sector Allocation of the Underlying Fixed Income Portfolio

Fund Characteristics

Fund Facts

Investment Objective

Investment Risk


Second Quarter 2012 / Wells Fargo Stable Return Fund

CUSIP 949907877

Inception Date October 1, 1985

Fund Assets $29,875,537,863

Fund Subadvisor Galliard Capital Management, Inc.

Fund Trustee Wells Fargo Bank, N.A.

Valuation Frequency Daily

Expense Ratio 1.04%

Blended Yield (after fees)1 1.24%

Effective Duration 2.00 Years

Number of Investment Contract Issuers 15

Number of Underlying Issues 4,632

Market to Book Value Ratio 102.7%

Annualized Turnover Rate 31.88%

Fund (%)U.S. Government Securities 13.9

Other U.S. Government 4.2

Corporate/Taxable Municipal Securities 18.9

Mortgage Backed Securities (MBS) 28.5

Asset Backed Securities (ABS) 5.1

Guaranteed Investment Contracts (GICs) 2.7

International Gov’t/Agency Securities 1.3

Cash/Equivalents 25.4

Top Five Investment Contract Issuers

Issuer Moody’s Rating S&P Rating

Prudential Ins. Co. of America A2 AA-

Metropolitan Life Ins. Co. Aa3 AA-

J.P. Morgan Chase Bank N.A. Aa3 A+

Monumental Life Ins. Co. A1 AA-

Pacific Life Ins. Co. A1 A+

*Returns for periods less than one year are not annualized**50% Citigroup 3-Month T-Bill plus 50% Merrill Lynch 1-3 Year Treasury Index. Prior to 2007, the benchmark was 50% 90 T-Bill plus 50% Merrill Lynch 1-3 Year Treasury Index. The historical returns shown are compared to the current blended benchmark. While it is believed that the benchmark used here represents an appropriate point of comparison for the Fund referenced above, prospective investors should be aware that the volatility of the above referenced benchmark or index may be substantially different from that of the Fund; and holdings in the Fund may differ significantly from the benchmark or index if the investment guidelines and criteria are different than the Fund.^Consumer Price Index as reported on 7/9/12.1The Wells Fargo Stable Return Fund (the “Fund”) is a collective trust fund for which Wells Fargo Bank, N.A. (“Wells Fargo”) is investment advisor and trustee. Galliard Capital Management, a wholly-owned subsidiary of Wells Fargo, serves as subadvisor to the Fund. Performance is net of all fees. The Fund is not insured by the FDIC, Federal Reserve Bank, nor guaranteed by Wells Fargo or any affiliate, including Galliard Capital Management. Past performance is not an indication of how the investment will perform in the future.

GalliardCapital Management, Inc.

The Fund’s investment contracts are designed to allow for participant transactions at book value. A principal risk of the Fund is investment contract risk. This includes the risk that the issuer will default on its obligation under the contract or that another event of default may occur under the contract rendering it invalid; that the contract will lapse before a replacement contract with favorable terms can be secured; or that the occurrence of certain other events including employer-initiated events, could cause the contract to lose its book value withdrawal features. These risks may result in a loss in value to a contract holder. Other primary risks include default risk, which is the possibility that instruments the Fund holds will not meet scheduled interest and/or principal payments; interest rate risk, which includes the risk of reinvesting cash flows at lower interest rates; and liquidity risk, which includes the effect of very large unexpected withdrawals on the Fund’s total value. The occurrence of any of these events could cause the Fund to lose value.

Investment Performance

The Fund seeks safety of principal and consistency of returns while attempting to maintain minimal volatility. The Fund is designed for investors seeking more income than money market funds without the price fluctuation of stock or bond funds.

Investment StrategyThe Fund is primarily comprised of investment contracts issued by financial companies including Guaranteed Investment Contracts (GICs), Separate Account GICs, and Security Backed Investment Contracts. GICs are issued by insurance companies which guarantee the return of principal and a stated rate of interest. Separate Account GICs are GICs issued by an insurance company and are maintained within a separate account. GICs are backed by the general account of the insurance company while Separate Account GICs are backed by a segregated pool of assets. Security Backed Investment Contracts are comprised of two components: investment contracts issued by a financial institution and underlying portfolios of fixed income securities (i.e. bonds) whose market prices fluctuate. The investment contract is designed to allow participants to transact at book value without reference to the price fluctuations of the underlying fixed income securities.


Stock FundsBond FundsMoney Markets Stable Value

SVJ072012

Calendar Year Performance 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011

Stable Return Fund (after fees) 1 5.03 3.90 3.50 3.59 3.94 4.14 3.81 2.53 2.20 1.58

Benchmark** 3.72 1.49 1.08 2.33 4.35 6.04 4.18 0.48 1.23 0.81

Citigroup 3-Month T-Bill 1.70 1.07 1.24 3.00 4.76 4.74 1.80 0.16 0.13 0.08

Consumer Price Index^ 2.38 1.88 3.26 3.42 2.54 4.08 0.09 2.72 1.50 3.07

Annualized Performance 2Q’12* YTD* 1 Year 3 Year 5 Year 10 Year

Stable Return Fund (after fees)1 0.30 0.63 1.39 1.89 2.56 3.22

Benchmark** 0.11 0.07 0.42 0.85 2.07 2.40

Citigroup 3-Month T-Bill 0.02 0.03 0.04 0.10 0.87 1.77 Fund (%)

Security Backed Investment Contracts 62.4

Guaranteed Investment Contracts (GICs) 2.8

Separate Account GICs 14.5

Cash/Equivalents 20.3

Total Annual Operating Expenses are deducted directly from the Fund’s net asset value and reduce the rate of return of the investment option.

*Total Annual Fund Operating Expenses will be reflected daily in the Fund’s net asset value.

Please visit https://www.galliard.com/reports/srf_disclosure.pdf for additional information about this investment option.

Second Quarter 2012 / Wells Fargo Stable Return Fund

About Galliard

For More Information

Galliard specializes in stable value and fixed income management and currently manages more than $81.1 billion in assets for institutional investors. The firm is headquartered in Minneapolis.

Galliard Capital Management, Inc.800 LaSalle AvenueSuite 1100Minneapolis, MN 55402-2054

800.717.1617

www.Galliard.com

Client and Consultant Relationship Management

Carrie Callahan, [email protected]

Taylor Benson, [email protected]

Client Services

Mike Norman, Senior [email protected]

Andy Apostol, Senior [email protected]

David Ferry, Senior [email protected]

Client Service [email protected]

Fees and ExpensesThe following table shows fees and expense information for this investment option. Total Annual Operating Expenses are expenses that reduce the rate of return of the investment option. The cumulative effect of fees and expenses will reduce the growth of your retirement savings. Visit the Department of Labor’s Web site for an example showing the long-term effect of fees and expenses at http://www.dol.gov/ebsa/publications/401kemployee.html. Fees and expenses are only one of many factors to consider when you decide to invest in this Fund. You may also want to think about whether an investment in this Fund, along with your other investments, will help you achieve your financial goals.

Total Annual Fund Operating Expenses

ExpensesExpense Ratio (as of 6/30/12)

Per $1000

Galliard Investment Management Expense 0.350% $3.50

Acquired Fund Fees and Subadvisor Investment Management Expenses

0.192% $1.92

-Investment Contract Fees 0.166% $1.66

-Other Acquired Fund Fees and Subadvisor Management Expenses

0.026% $0.26

Other Expenses 0.501% $5.01

-Administrative Expense 0.500% $5.00

-Audit, Valuation and 5500 fees 0.001% $0.01

12b-1 Distribution Fee None None

Total Annual Fund Operating Expenses* 1.043% $10.43

SVJ072012

W:\SEI Aaron's Inc\Forms\Original Forms\SEI Enrollment & Change Form.doc

SEI/AARON’S 401(k) RETIREMENT PLAN

In order to permit our employees to save money on a before-tax basis and to defer payment of federal and state income tax on earnings generated by such savings, the Company sponsors the above-named Plan. You may elect to defer a portion of your compensation by completing this form. The completed form is not effective until it is delivered to the Plan Administrator. If you do not complete this form, you will automatically be enrolled in the plan at a deferral rate of 3% of your compensation. You must make investment choice, but completing the Initial Investment Election Form or by going online to www.daypak.net. If you do not make an investment choice, contributions will be invested in the Moderate Model Portfolio. EMPLOYEE INFORMATION Name (Please Print): Social Security Number: Birth Date: __ Hire Date: ______ ___________ ELECTION TO MAKE SALARY DEFERRAL CONTRIBUTIONS An account is established for you under the Plan to which will be credited that percentage of your compensation which you designate on this form as your Salary Deferral Contribution. You can first enroll during the pay period in which you become eligible. If you enroll after that pay period, or wish to change your deferral election, your new election will be effective in the first pay period ending in the Company's calendar quarter following receipt of this form by the Plan Administrator. If, however, the election is to discontinue deferrals, the election is effective immediately (unless you indicate otherwise below). In determining your Salary Deferral Contribution, you should consider the following:

* Amounts that you designate as Salary Deferral Contributions will be allocated to your account as fully vested contributions.

* Amounts that you designate as Salary Deferral Contributions will be deducted from your compensation and, therefore, will reduce your take home pay. Salary Deferral Contributions are excluded from your income for federal and state income tax purposes. In addition, no federal or state income tax has to be paid currently on amounts earned in your account. However, all amounts withdrawn from your account are taxable (subject to possible further deferral through rollover).

* If you are less than 50 years of age during the plan year, the annual limit, set by law, on the amount you can deduct from your

taxable compensation as Salary Deferral Contributions is $17,500 in 2014. If you are age 50 or greater anytime during the plan year, you may defer an additional $5,500 in 2014.

* You cannot withdraw your Salary Deferral Contributions and earnings prior to meeting the distribution requirements outlined in

the Plan. (However, a loan from your account can be made, subject to certain limitations.) Because of these limitations on distributions, you should elect to make Salary Deferral Contributions only to the extent that you are willing to commit these contributions to a relatively permanent savings plan.

SALARY DEFERRAL ELECTION Subject to the terms and conditions of the Plan, the undersigned hereby elects and designates the following amount(s) as a Salary Deferral Contribution to the Plan: I elect to defer % (between 1% - 70%) of my compensation each payroll period as Salary Deferral Contributions. (Enter

zero if wishing not to defer.)

If this is an election to discontinue deferrals the election shall be effective --

Immediately (first pay period ending after election is received)

Starting in the Company's next fiscal quarter. If this box is not checked the election to discontinue deferrals will be effective immediately.

Date:

(Signature of Participant) FOR COMPANY USE ONLY Received by Plan Administrator: Date: By: Effective:

Enrollment & Change Form

07/19/2011

SEI/AARON’S

401(k) RETIREMENT PLAN

EMPLOYEE INFORMATION

Name (Please Print): Phone Number: Social Security Number: Birth Date: Hire Date:

Email Address: DIRECTING THE INVESTMENT OF FUTURE CONTRIBUTIONS This form applies only to your initial investment election. All future changes must be made through www.daypak.net or by calling the DayPak. You will receive information on the DayPak Website and from DayPak participant service representative at any time. This election will take effect on the later of the date indicated below, or the date this signed form is received at the Home Office of DayPak. You may choose a customized investment selection from the left or one of the model portfolios from the right. If you do not make an election, your money will default into the Moderate Model Portfolio. NOTE: use whole percentages only. Custom Selection Model Portfolio Selection (Select One Only) DFA Emerging Core Equity Portfolio (DFCEX) ____________ Aggressive Model ____________ DFA International Core Equity Portfolio (DFIEX) ____________ Conservative Model ____________ DFA U. S. Large Capital Value Fund (DFLVX) ____________ Moderate Aggressive Model ____________ Franklin Convertible Securities (FISCX) ____________ Moderate Conservative Model ____________ Fidelity New Markets Income (FNMIX) ____________ Moderate Model ____________ Perkins Mid Cap Value Fund Class T (JMCVX) ____________ Total 100% Galliard/Wells Fargo Stable Return J (MF3716) ____________ Vanguard Small Cap Index Fund (NAESX) ____________ T. Rowe Price New American Growth (PAWAX) ____________ PIMCO Commodity Real Ret Strat Instl (PCRIX) ____________ Dreyfus S&P 500 Index (PEOPX) ____________ PRIMECAP Odyssey Aggressive Growth (POAGX) ____________ PIMCO Real Return Fund (PRTNX) ____________ PIMCO Total Return (PTTAX) ____________ Vanguard Total Bond Market Index (VBMFX) ____________ Vanguard Short Term Inv Grade Admiral (VFSUX) ____________ Vanguard REIT Index (VGSIX) ____________ Total 100%

Returned completed form to DayPak Services:

Fax (770) 396-0055 or Email [email protected]

Mail: Swerdlin & Company Attn: DayPak Services

5901 Peachtree Dunwoody Rd Ste 170 Atlanta, GA 30328

For Company Use Only Received by Plan Representative

Date Date: By: Effective:

Initial Investment Election Form

Date Signature of Participant

W:\SEI Aaron's Inc\Admin Forms\Designation of Beneficiary.doc 3/28/08

SEI/AARON’S

401(k) RETIREMENT PLAN

EMPLOYEE INFORMATION Name (Please Print): Social Security Number: Phone Number: E-Mail: Marital Status: θ Unmarried (single, divorced, widowed) θ Married - Spouse: MARRIED PARTICIPANTS I hereby designate the person(s) below as my beneficiary(ies) under the Plan. I understand and agree that my spouse must consent to the designation of any non-spouse beneficiary. If appropriately witnessed consent is not given below, I agree that my spouse will be the sole designated beneficiary. UNMARRIED PARTICIPANTS I hereby designate the person(s) below as my beneficiary(ies) under the Plan. I understand and agree that if I hereafter marry, the designation below will be revoked in full and my spouse will be the sole designated beneficiary, unless I complete a new beneficiary designation form and my spouse consents to the designation of a non-spouse beneficiary. BENEFICIARY DESIGNATION Name of Beneficiary(ies) Relationship SS# Address % of Beneficiary Date: (Signature of Participant) If you are married and choose a non-spouse beneficiary, please have your spouse complete the back of this form.

Designation ofBeneficiary

W:\SEI Aaron's Inc\Admin Forms\Designation of Beneficiary.doc 3/28/08

SEI/AARON’S 401(k) RETIREMENT PLAN

CONSENT OF SPOUSE I certify that I am the spouse of the participant named above and I have read and understand the form as completed and signed by my spouse. I hereby consent to and understand the effects of my spouse’s designation of beneficiary made herein. I further understand that I will not receive any retirement benefits which may be payable under the plan because of my spouse’s death, except to the extent expressly provided in this beneficiary designation form. If you sign this agreement, your spouse cannot change the beneficiary named in this agreement to anyone one other than you, unless you agree to the new beneficiary by signing a new agreement. If you agree, your spouse can change the beneficiary at any time before your spouse dies. Date:

(Signature of Spouse) Witness State of My commission expires: County of Subscribed and sworn to me this day of , 20 .

(Plan Representative or Notary Public)

FOR COMPANY USE ONLY Received by Plan Administrator:

Date Date: By: Effective:

Designation of Beneficiary

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