The BENCOR 401(a) and 403(b) Special Pay Plan …If you are entitled to sick, annual-leave and...

The BENCOR 401(a) and 403(b) Special Pay Plan

For moreinformation

about theSpecial Pay Plan

Plan InformationFor general information concerning the BENCOR SpecialPay Plan you may call the number listed below or visit www.bencorplans.com:

BENCOR Administration Services - 1-888-258-34228488 Shepherd Farm DriveWest Chester, Ohio 45069

Investment AllocationIf you wish to move funds from one variable investmentoption to another, or if you wish to move funds betweenthe fixed interest option and variable investment options,you may call the number below or visit the BENCORAdministrative Services website listed below to makeinvestment allocation changes online.

BENCOR Administrative Services - 1-888-258-3422https://www.bencorplans.com.

Online Service & Voice ResponseUpon receipt of the first deposit into your account fromyour employer, you will receive a welcome packet whichincludes instructions on how to access your accountthrough the internet or via the telephone voice responsesystem.

Email: [email protected]

FORM0705

COCF012013

Local BENCOR Retirement ConsultantLocal Contact Information:

Dave Anders: 1-407-252-6514Joe Avallone: 1-800-330-4014

Consultant is registered with and offers only securities andadvisory services through PlanMember SecuritiesCorporation, a registered broker/dealer, investment advisorand member FINRA/SIPC. 6187 Carpinteria Ave, Carpinteria,CA. 93013, (800) 874-6910. BENCOR RetirementConsultants and PlanMember Securities Corporation areindependently owned and operated. PlanMember is notresponsible or liable for ancillary products or services offeredby BENCOR Retirement Consultants.

Plan administrationBENCOR Administrative Services provides personalizedconsulting and administrative services for BENCOR NationalPlan participants.

For general plan information, specific account information or tochange investment options, please phone 1-888-258-3422.Press "5" to access the automated, toll-free voice system, 24hours a day.

Visit the BENCOR Web site at www.bencorplans.com, andchoose "Account Access" to view your account informationonline.

Withdrawals and distributionsIt may be more advantageous under federal tax laws to delaytaking distributions or withdrawals until a later tax year inwhich your tax rate may be lower.

Distributions may be taken at termination of employment orupon total disability or death. As an eligible participant, youmay leave your money in the plan to continue to benefit fromtax-deferred growth. You may take distributions as you chooseor set up periodic payments to be paid monthly, quarterly,semi-annually or annually. Or you may take a lump-sumdistribution.

To receive a withdrawal or distribution, you must initiate theprocess by requesting a distribution package from the planadministrator.

For loan availability and provisions, contact the planadministrator.

If you terminate your employment, you (or your survivingbeneficiary) may roll the distribution to an IRA or anotheremployer’s tax-qualified retirement plan.

Withdrawals are not subject to the federal 10% tax penalty ifyou are age 55 or older at separation from service with youremployer. Penalty-free distributions will also be made upontotal disability or to your beneficiary upon your death.

Please consult your tax advisor for information regarding taxeson plan withdrawals and distributions.

TrusteeReliance Trust Company acts as trustee for the BENCORNational Plan and handles all plan deposits and distributions.

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Planning for the future

today can help make

tomorrow a lot brighter

The BENCOR Special Pay Plan, which is part of the BENCORNational Plan, is offered by your employer as a powerful way to helpyou realize your retirement dreams.

Here’s howIf you are entitled to sick, annual-leave and vacation pay, as well asother forms of special pay, the BENCOR Special Pay Plan will helpensure you never pay Social Security and Medicare taxes on thatmoney. It will also give you the ability to defer payment of therelated income taxes until you receive distributions at retirement.*

Features and benefits:

EligibilityIf you have accumulated sick, annual-leave and vacation pay, aswell as other forms of special pay, you are required to participatein this plan.

Benefits to youYou may invest the 7.65% of your special pay income that wouldotherwise have gone toward Social Security and Medicare tax oneligible plan contributions.

Employer contributions are made on a pre-tax basis. Income taxon this compensation is deferred until distributions are taken.

VestingYou are immediately 100% vested in all contributions to youraccount.

InvestmentsUpon enrollment, contributions are automatically invested in theGuaranteed Pooled Fund (an interest bearing account), wherethey will remain until you decide otherwise. The interest rate onthe GPF is declared annually on January 1 for the calendar year.

You may change the investments in your account:1) by completing a BENCOR Plan Enrollment Form; or,2) by following the investment allocation instructions in this

booklet. If you choose one of the variable investmentoptions, its value will fluctuate and an investor’s units maybe worth more or less than the original cost.

Account statementsAs a participant, you will receive an account statement eachquarter.

Account balances are updated daily and are available over thetelephone or the Internet.

*Retirement Plans are long-term investments. Income taxes are payable uponwithdrawal. Federal restrictions and a 10% tax penalty may apply to awithdrawal after termination of employment if you are not at least age 55 byyear end.

Without theBENCOR Plan

With theBENCOR Plan

How the Special Pay Plan works

Let’s assume you participate in your 401(a)/403(b) SpecialPay Plan and retire on June 30, the last day of the fiscal year.Assume also that you earn $52,000 a year and you haveaccumulated $60,000 in unused sick-leave, annual-leave orvacation pay, which your employer will deposit into yourSpecial Pay Plan account up to the maximum allowed by law.The remainder will be paid to you in cash.

In this example, the entire sick/annual-leave pay is within themaximum allowed by law for the 401(a)/403(b) Special PayPlan and will be contributed to the plan. If thesick/annual-leave pay had been greater than $102,000 (2013),the remainder would be paid to the employee in cash, lesspayroll taxes, and subject to current income tax. Themaximum contribution for 401(a) and 403(b) Special PayPlans may be reduced by, or require coordination with,contributions to other 401(a) and 403(b) plans respectively, ofthe employer in the same year. Also in this example, there areno contributions to any other 401(a) or 403(b) plans.

The BENCOR 401(a)/403(b) Special

Pay Plan is a tax-qualified

retirement plan for unused sick pay,

vacation pay or severance pay.

¹ 50% of any contribution amount exceeding these calculations may be placed in the BENCOR 401(a) plan up to 415c limits. ² In the year of separation under the example above

Tax-year salary (1/1 to 6/30) $52,000 ÷ 2.........................................Accumulated sick/annual leave compensation..................................Total tax-year compensation (salary plus sick/annual leave)............Less BENCOR plan contributions.....................................................Total current taxable income..........................................................

Federal income tax (25%) ................................................................Payroll tax - Social Security (6.2%)..................................................Payroll tax - Medicare (1.45%).........................................................Total year 2013 tax owed................................................................

Income tax deferral²..........................................................................Permanent payroll tax savings..........................................................Total year 2013 tax savings plus tax deferral...............................

$ 26,000 60,000 86,000

0$ 86,000

$ 21,500 5,332 1,247$ 28,079

$ 0 0$ 0

$ 26,000 60,000 86,000

60,000$ 26,000

$ 6,500 1,612 377$ 8,489

$ 15,000 4,590$ 19,590

This chart, including the compensation amounts and tax rate, is an example only, does not reflect the value of any investment and is not a guarantee of future returns.

The following chart compares an employee's current-year tax liability²with and without the BENCOR Plan

Assuming plan contributionsare non-elective employercontributions, the followingillustrates the Special Pay Plan benefits:

401(a) Plan year compensation (7/1 to 6/30)100% Employee’s Plan Year Salary......................... $52,000

403(b) Plan year compensation (calendar year)100% Employee’s last 12 months’ salary................ $52,000

Maximum plan contribution calculation

1. 401(a) Contribution Limits = 100% of Plan Year Salaryup to $51,000:

• 100% of Plan Year Salary(100% x $52,000 = $52,000 or $51,000 if less )......................................................................$51,000

2. 403(b) Contribution Limits = 100% of last 12 months’salary up to $51,000

• 100% of Plan Year Compensation(100% x $52,000 = $52,000 or $51,000 if less)minus (Employee 403(b) elective deferrals = 0)......................................................................$51,000

Maximum allowable 401(a) plan contribution¹ ........ $51,000Maximum allowable 403(b) plan contribution¹..........$51,000

Total Sick/Annual Leave Pay....................................$60,000

BENCOR 401(a) plan contribution ............................$51,000BENCOR 403(b) plan contribution............................ $9,000Total BENCOR contributions......................................$60,000

Balance paid directly to employee.................................... $0

FREQUENTLY ASKED QUESTIONS

How much of my accrued leave balance can bedeposited into my BENCOR account each year ?

For the plan year 2013 contributions cannot exceed the IRS415(c) limit currently the lesser of $51,000 (effective July 1,2012) or 100% of the Plan Year Compensation into the 401(a)plans and an additional $51,000 (effective January 1, 2013) or100% of Plan Year Compensation for 403(b) Plans.

Are my funds safe?

If you elect to have your funds deposited into the fixedinterest option, the principal and interest paid on the accountcarry a minimum rate of return guaranteed by the investmentprovider. If you elect to invest your funds into the variableinvestment options, you assume all market risks.

What if my Special Pay accumulations exceed theannual maximum?

An employer sponsored 403(b) program has beenimplemented in addition to the BENCOR 401(a) program sothat all funds up to a total of $102,000 may be sheltered in aplan year. The employer 403(b) contributions will be offset byany contributions you make into a voluntary 403(b) account.Calculations will be made at the time of your retirement todetermine the eligible amounts. All funds exceeding theselimits will be paid to you as normal payroll and will be subjectto all applicable taxes.

Should my employer allow funds to be deposited overyears while I am still employed, can I withdraw thefunds after they have been sent to BENCOR on mybehalf while I am still employed?

These Terminal Sick Leave Payments may not be withdrawnuntil the employee has separated from the school system.There is, however, a loan provision in this program and a loanmay be requested against the funds in your account. ContactBENCOR Administrative Services directly should you haveadditional questions on loan provisions.

When am I required to withdraw funds from myaccount?

In order to avoid IRS penalties equal to 50% of the amountthat should have been withdrawn, it is suggested that youbegin receiving benefits from your account by the later ofApril 1 of the following year you turn 70 1/2 or separate fromservice with your employer.

The BENCOR Special Pay

Plan qualifies for valuable

tax benefits under

IRC Section 401(a) and

403(b).

The performance figures represent past performance. Past performance does not guarantee future results. The investment return and principal valueof an investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost. Current performancemay be lower or higher than the performance data quoted. Visit www.bencorplans.com to obtain performance data current to the most recentmonth-end and quarter-end.

BENCOR NATIONAL PLAN INVESTMENT OPTIONS

1 Equity funds invest in equity securities, which include common stock, preferred stock and convertible securities. Because such securities represent ownershipin a corporation, they tend to be more volatile than fixed income or debt securities, which do not represent ownership.2 Value-based investments are subject to the risk that the broad market may not recognize their intrinsic values.3 Growth stocks tend to be more volatile than stocks that have below market valuations.4 The securities of medium-sized companies, because of the issuers’ lower market capitalization, may be more volatile than those of large companies. 5 The securities of small-sized companies, because of the issuers’ lower market capitalizations, may be more volatile than those of large or medium-sizedcompanies.6 Foreign securities and markets pose different and possibly greater risks than those customarily associated with domestic securities, including currencyfluctuations and political instability.7 Any US Government guarantees of the securities held in this investment fund only pertain to those securities and not the Fund or its yield. 8 Bonds and bond funds are subject to interest rate risk, credit risk and inflation risk. Interest rate risk means that the value of bonds and bond funds generallyfalls when interest rates rise, causing an investor to lose money upon sale or redemption.9 Asset allocation funds are subject to the risks of the underlying funds in which they invest. To the extent the fund invests more of its assets in stockinvestments, and in particular, small-cap stocks and/or foreign stocks, it will be subject to greater risk than a fund investing more of its assets in bond funds. TheAsset Allocation Funds bear investment management fees in addition to the investment management fees and expenses of the underlying funds in which theyinvest.10 Market values of inflation-protected securities can be affected by changes in the market’s inflation expectations or changes in real rates of interest. 11 Lower rated high yield corporate debt securities represent a much greater risk of default and tend to be more volatile than higher rated or investment gradebonds.12 The Guaranteed Pooled Fund is a pooled separate account offered through Transamerica Financial Life Insurance Company (TFLIC), 440 MamaroneckAvenue, Harrison, NY 10528, which provides the guarantee of principal and interest. TFLIC’s claims paying ratings are: Standard & Poor’s: AA-: (VeryStrong); Moody’s: A1: (Good); A.M. Best: A+: (Superior)13 Mortgage-backed securities are subject to prepayment risk and may be sensitive to changes in prevailing interest rates.

Certain performance data for such funds are provided by independent firms that track the investment industry (such as Lipper, Inc.), or from the fund familyitself. Although data are gathered from sources believed to be reliable, neither the independent tracking firms nor Diversified can guarantee the completeness,accuracy, timeliness or reliability of the data. All data are historical and subject to change at any time. Independent tracking firms may use differentmethodologies for providing mutual fund performance information. The independent tracking firms reserve all rights in their respective proprietary data.

Diversified’s presentation of performance information for the non-Transamerica Partners funds, if any, is for informational purposes only and should not beconstrued as an endorsement or recommendation by Diversified nor be the basis of any investment decision. Depending on the particular non TransamericaPartners, Diversified or its affiliate may receive remuneration from the fund family (or its service provider) for providing certain recordkeeping or otheradministrative services.

The Transamerica Asset Allocation Funds invest in combinations of the funds of the Transamerica Partners Funds Group, as determined by Transamerica AssetManagement, Inc. ("TAM") based on each Fund’s investment objective. The Asset Allocation Funds bear investment management fees in addition to theinvestment management fees and expenses of the underlying funds in which they invest.

7494 – MF (01/13)

Annualized Rates of ReturnFor Periods Ended 12/31/2012

10 Yrs/Inception

InceptionDateFunds 1 Year 3 Yrs 5 Yrs Expense

Ratio Stock Funds

4.61 Jul-94 Transamerica Partners Large Value1,2 16.76 10.68 -2.31 1.006.47 Apr-99 TAP Stock Index Fund1 15.38 10.23 1.09 0.655.41 Jul-94 Transamerica Partners Large Core1 16.68 10.15 0.64 1.155.63 Jul-94 Transamerica Partners Large Growth1,3 14.24 8.96 0.81 1.24

10.15 Aug-01 Transamerica Partners Mid Value4,2 18.79 11.70 2.67 1.257.73 Sep-01 Transamerica Partners Mid Growth4,3 13.30 10.47 -0.42 1.357.07 Jul-02 Transamerica Partners Small Value5,2 15.30 12.40 4.26 1.505.50 Aug-02 Transamerica Partners Small Growth5,3 0.63 5.33 -0.99 1.555.87 Jan-96 TAP International Equity6 16.65 4.65 -6.39 1.40

Multi-Asset Funds4.93 Jun-96 TAP Asset Allocation-Short Horizon9 7.83 6.92 5.23 1.125.26 May-98 TAP Asset Allocation-Short/Inter Horizon9 9.59 7.38 3.90 1.185.38 Jun-96 TAP Asset Allocation-Inter. Horizon9 11.05 7.88 2.52 1.235.52 Jun-96 TAP Asset Allocation-Inter/Long Horizon9 12.65 8.37 1.09 1.305.36 May-98 TAP Asset Allocation-Long Horizon9 14.01 8.45 -0.72 1.36

Bond Funds4.96 Jul-94 Transamerica Partners Core Bond7,8 7.66 6.96 6.03 0.98

9.50 Jan-96 TAP High Yield Bond8,11 14.56 11.29 8.76 1.10 Stable Fund For the latest credited rate information, please log into your account at

www.bencorplans.com and select “Fund Performance”. TFLIC Guaranteed Pooled12

TAP = Transamerica Partners

Investment Options

Diversified Investment Advisors is a national investment advisory firm specializing in retirement plans. Thecompany’s expertise covers the entire spectrum of defined contribution and defined benefit plans.Headquartered in Harrison, NY, Diversified helps more than 1.3 million participants save and invest wisely toand through retirement.

TFLIC Guaranteed Pooled Fund seeks to provide

maximum yield consistent with a guarantee of principal and

interest. The portfolio is a guaranteed separate account of

Transamerica Financial Life Insurance Company (TFLIC) that

invests in a diverse pool of high quality fixed-income

instruments and is offered through a group annuity contract.

TFLIC has been rated A+ by A.M. Best. Advisor: Galliard

Capital Management

Transamerica Partners Core Bond invests primarily in

investment grade debt securities and U.S. government

obligations, mortgage-backed securities guaranteed by U.S.

government agencies and instrumentalities and those of

private issuers. Advisor: Transamerica Asset Management,

Inc. Subadvisor(s): BlackRock Financial Management.

Transamerica Partners High Yield Bond Fund invests in

high yield fixed income securities, rated BB or lower (by

Moody’s and Standard & Poor’s rating agencies). Advisor:

Transamerica Asset Management, Inc Subadvisor(s):

Eaton Vance Management.

Transamerica Partners Large Value invests primarily in

issuers listed on U.S. exhanges that the Fund’s sub-advisor

belives are seasoned, liquid and low priced, with effective

management and positive momentum. Advisor:

Transamerica Asset Management, Inc. Subadvisor(s):

Aronson+ Johnson+ Ortiz, LP.

Transamerica Partners Stock Index seeks to match the

returns and volatility (risk) of the S&P 500 Equity Index.

Advisor: Transamerica Asset Management, Inc.

Subadvisor(s): Barclays Global Fund Advisors.

Transamerica Partners Large Core (formerly Growth &Income) invests in a diversified portfolio of stocks which

have the potential to generate long-term capital appreciation

and current dividend income. Advisor: Transamerica Asset

Management, Inc. Subadvisor(s): BlackRock Financial

Management, Inc., Aronson+Johnson+Ortiz, LP,

Transamerica Partners Large Growth (formerly EquityGrowth) invests in a diversified portfolio of common stocks

with the potential for above-average growth in earnings.


Subadvisor(s): Marsico Capital Management, LLC,

Wellington Management Co., and OFI Institutional Asset

Management, Inc.

Transamerica Partners Mid Value invests in a diversifiedportfolio of medium size value-oriented companies. Advisor:Transamerica Asset Management, Inc. Subadvisor(s): Cramer Rosenthal McGlynn, LLC, LSV Asset Management.

Transamerica Partners Mid Growth invests in a diversifiedportfolio of medium size, growth-oriented companies. Advisor: Transamerica Asset Management, Inc Subadvisor(s): Columbus Circle Investors

Transamerica Partners Small Value invests in a diversifiedportfolio of small, high-quality companies selling at largediscounts to the underlying value of the business. Advisor:Transamerica Asset Management, Inc Subadvisor(s):Mesirow Financial Investment Management, Inc. and OFIInstitutional Asset Management, Inc.

Transamerica Partners Small Growth invests in adiversified portfolio of small, growth-oriented or emerginggrowth companies that are believed to offer above averageopportunities for long-term price appreciation. Advisor:Transamerica Asset Management, Inc. Subadvisor(s): Trustco Capital Management.

Transamerica Partners International Equity investsprimarily in the stock markets of the United Kingdom,continental Europe, Japan, Canada, and Australia. Advisor:Transamerica Asset Management, Inc. Subadvisor(s):LSV Asset Management and Wellington ManagementCompany.

Transamerica Asset Allocation-Short Horizon seeks toattain its objective by investing in an array of Diversified’sFunds. The primary emphasis is on fixed income funds withlimited exposure to equity funds. Advisor: TransamericaAsset Management, Inc.

Transamerica Asset Allocation-Short/IntermediateHorizon seeks to provide consistent returns with reducedvolatility by investing in an array of Diversified’s Funds. Theportfolio invests in a combination of both fixed income andequity funds, maintaining limited exposure to the equityfunds. Advisor: Transamerica Asset Management, Inc.

Transamerica Asset Allocation-Intermediate Horizonseeks to provide greater potential for long-term return atmoderate risk levels by investing in an array of Diversified’sFunds. The portfolio invests in a combination of both fixedincome and equity funds, maintaining approximately equalexposure to both asset classes. Advisor: Transamerica AssetManagement, Inc.

Applicable to everyone, except Florida, New York, Oregon andVirginia Residents: Any person who knowingly and with intent todefraud any insurance company or other person files an application forinsurance or statement of claim containing any materially falseinformation, or conceals for the purpose of misleading, informationconcerning any fact material thereto, commits a fraudulent insuranceact which is a crime, and subjects such person to criminal andsubstantial civil penalties.

Information

FRAUD WARNINGIn some states, we are required to advise you of the following: Florida Residents Only: Any person who knowingly and with intent toinjure, defraud, or deceive any insurer files a statement of claim or anapplication containing any false, incomplete, or misleading information isguilty of a felony of the third degree.

BENCOR National Government EmployeesRetirement Plan Enrollment Form

401(a) 403(b)

GENERAL INFORMATION

Employer: COLLEGE OF CENTRAL FLORIDA________________

Worksite Location: ____________________________________________

Address: ___________________________________________________

City: ________________________ State: _________ Zip: __________

Participant Name: ____________________________________________

Address: ___________________________________________________

City: ________________________ State: _________ Zip: __________

SS#: _________________________ Date of Birth: _________________

Telephone #: ________________________________________________

BENEFICIARY DESIGNATION

Participant Primary Beneficiary: _______________________________

Address: ___________________________________________________

City: ________________________ State: _________ Zip: __________

SS#: _________________________ Date of Birth: _________________

Relationship: _______________________________________________

% Share: __________________________________________________

Participant Contingent Beneficiary: ______________________________

Address: __________________________________________________

City: ________________________ State: _________ Zip: __________

SS#: _________________________ Date of Birth: ________________

Relationship: _______________________________________________

% Share: __________________________________________________

Participant Contingent Beneficiary: ______________________________

Address: __________________________________________________

City: ________________________ State: _________ Zip: __________

SS#: _________________________ Date of Birth: ________________

Relationship: _______________________________________________

% Share: __________________________________________________

Married Participant

I understand that I must select my spouse as sole Primary Beneficiary

under this Plan unless he/she consents in writing to my naming

another Primary Beneficiary. (Please contact BENCOR Administrative

Services for a Spousal Consent form if naming a Primary Beneficiary

other than your spouse.)

Unmarried Participant

I understand that the following designation becomes null and void in

the event of my marriage. I will promptly inform BENCOR of any

change in my marital status.

I understand that if I outlive my Primary Beneficiary, benefits will be paid to

my estate on my death unless I designate a Contingent Beneficiary(ies).

(If additional space is required, please attach a separate page providing all

designation information and the percentage share for each.)

Signature ____________________________ Date __________________

INVESTMENT ELECTION

Please ensure that the investment instructions provided below areaccurate. We will be relying on your instructions to allocate yourcontributions. Please note that investment allocation percentagesmust total 100%.

All funds are deposited into the Guaranteed Pooled Fund unless youselect other investment options below.

The investment allocation indicated below is for : Current Investments Future Investments Both Current & Future Investments

Withdrawals due to Employer-initiated events may be subject torestrictions and/or adjustments.

Stable Value Fund

_____ % TFLIC Guaranteed Pooled Fund

Stock Funds

_____ % Transamerica Partners Large Value_____ % Transamerica Partners Stock Index_____ % Transamerica Partners Large Core_____ % Transamerica Partners Large Growth_____ % Transamerica Partners Mid Value_____ % Transamerica Partners Mid Growth_____ % Transamerica Partners Small Value_____ % Transamerica Partners Small Growth_____ % Transamerica Partners International Equity

Multi-Asset Funds

_____ % Transamerica Asset Allocation-Short Horizon_____ % Transamerica Asset Allocation-Short/Inter Horizon_____ % Transamerica Asset Allocation-Intermediate Horizon_____ % Transamerica Asset Allocation-Inter/Long Horizon_____ % Transamerica Asset Allocation-Long Horizon

Bond Funds

_____ % Transamerica Partners Core Bond _____ % Transamerica Partners High Yield Bond

100 % Total

Please return completed form to:

BENCOR Administrative Services, Inc.8488 Shepherd Farm DriveWest Chester, Ohio 45069

For a prospectus on any of the options listed above or for customerservice call 1-888-258-3422.

Investment Options

All registered investment funds are available by prospectus only. A prospectus may be obtained by contacting 1-888-258-3422. Theprospectus contains additional information about the funds, including the investment objectives, risks, charges, and other expenses.You should consider all such information carefully before investing. Please read the prospectus carefully before you make yourinvestment choices.

Diversified Investors Securities Corp. (DISC), 440 Mamaroneck Avenue, Harrison, NY 10528, distributes securities products. Any fundoffered under the plan is distributed by that particular fund’s associated fund family and its affiliated broker-dealer or other broker-dealerswith effective selling agreements such as DISC. If the Transamerica Funds, Transamerica Partners Funds, or Transamerica Premier Funds(collectively, the Transamerica Funds) are offered under the plan, the Transamerica funds are distributed by Transamerica Capital, Inc.(TCI) and are advised by Transamerica Asset Management (TAM). If any stable, fixed or guaranteed funds are offered under the plan byDiversified, these funds are made available under a group annuity contract issued by Transamerica Financial Life Insurance Company(TFLIC), 440 Mamaroneck Avenue, Harrison, NY 10528. Diversified, TAM, TCI, TFLIC and DISC are affiliated companies, but are notaffiliated with BENCOR.

The total rates of return for the Funds are calculated in accordance with SEC regulations for performance advertising. Performance reflectshistorical investment results (including changes in share price and reinvestment of dividends and capital gains) less charges and deductionsof The Diversified Funds Group (including those of the underlying Core Funds). Returns are annualized. For certain funds, certain feesmay have been waived or expenses advanced during the periods shown. Without such waivers or advance of expenses, the total returnsshown would have been lower. Additionally, the employer’s retirement plan may also assess an administrative fee, which would reduce theperformance data quoted.

Each of the funds of the Transamerica Partners Funds Group (other than the Stock Index Fund) is available through a Core Fund & Feederstructure, under which each such ’Feeder’ fund invests in a ’Core Fund’ with a corresponding investment objective. The Feeder funds areseparate series of a registered investment management company. The Core Funds are registered investment management companies. ForFunds showing inception dates prior to 1996 (other than the High Yield Bond Fund), the underlying Core Funds were established onJanuary 3, 1994 (except the International Equity Core Fund which was established in October of 1995) when corresponding pooled separateaccounts of MONY Life Insurance Company (formerly, The Mutual Life Insurance Company Of New York) (the "predecessor pooledseparate account(s)") with corresponding investment objectives, policies and restrictions contributed all of their assets to such investmentmanagement companies. These investment management companies thereupon became available for investment by certain institutionalinvestors, including mutual funds. All other Core Funds were established on the inception dates shown and do not have predecessor pooledseparate accounts. Fund returns for the periods prior to the commencement of operations are hypothetical and are based on the historicaldata from the Core Funds and, if applicable, the predecessor pooled separate accounts. The predecessor pooled separate accounts were notregistered under the Investment Company Act of 1940 and, therefore, were not subject to certain investment restrictions imposed by thatAct. If the predecessor pooled separate accounts had been registered under the Act, performance might have been adversely affected. StockIndex Fund returns for periods prior to the commencement of operations are hypothetical and are based on the historical data from the S&P500 Index Master Investment Portfolio, established on August 31, 1993. Other classes of shares, with different fee structures, may beavailable from the Funds depending on the retirement plan investor status. Transamerica Asset Management, Inc. ("TAM") is theinvestment advisor to each of the Core Funds and has the ability to appoint sub-advisors to manage the portfolio of each Core Fund.

Transamerica Asset Allocation-Intermediate/LongHorizon seeks to provide greater opportunity for long-termreturn at higher risk levels by investing in an array ofDiversified’s Funds. The portfolio invests in a combination ofequity and fixed income funds, with the greater emphasis onequity funds. Advisor: Transamerica Asset Management, Inc.

Transamerica Asset Allocation-Long Horizon seeks toattain its objective by investing in an array of Diversified’sFunds with an emphasis on equity funds. The Fund haslimited exposure to a variety of fixed income funds. Advisor:Transamerica Asset Management, Inc.

Instructions for RetireesA. Complete the BENCOR Retirement Plan Enrollment Form - It is very important that you complete the enrollment form so

BENCOR Administrative Services will have current information on your:

1. Address - This is where your account statements will be sent.2. Beneficiary - This will assure that your account will be distributed in accordance with your wishes in the event of your

death.3. Investment Direction - This form allows you to direct your investments upon enrollment. Remember: your money is

automatically deposited into the Guaranteed Pooled Fund unless you direct otherwise.a. Guaranteed Pooled Fund - An interest rate is paid on these funds and the principal is guaranteed. Interest is credited

daily to this account. The interest rate on the GPF is declared annually on January 1 for the calendar year.b. Investment Options - You may choose to invest your money in any of the additional investment options that may

achieve a higher or lower rate of return than the Guaranteed Pooled Fund. These variable accounts carry no guaranteesand the participant assumes all investment risk.

B. Using Your BENCOR Account

1. Withdrawals - You may withdraw your funds from this account at any time after your termination of employment with nosurrender charges. Please seek tax advice from competent counsel to determine the tax liability on withdrawals.

2. Loans - You may borrow the lesser of $50,000 or 50% of your account balance, for any reason, and not pay taxes on theborrowed funds if the loan is prepaid as required by IRS guidelines.

3. Changes to your investment options - You may change your investment options at any time with no transfer fees. Youmay make these changes either over the telephone, over the internet or by written instructions. Please see the listings on theback cover for contact addresses, phone numbers and web information.

4. Rollovers - Upon your termination of employment, you may rollover these funds into other tax-advantaged investments suchas IRA and 403(b) accounts. For a complete list of rollover options, please contact your financial advisor. You may alsorollover other tax advantaged investments into the BENCOR account.

NOTE: If you rollover your funds into an IRA and you have not attained the age of 59½, you may subject your rolled funds to a 10%tax surcharge if you withdraw these funds prior to attaining this age.

Investment Options

Diversified Investment Advisors is a national investment advisory firm specializing in retirement plans. Thecompany’s expertise covers the entire spectrum of defined contribution and defined benefit plans.Headquartered in Harrison, NY, Diversified helps more than 1.3 million participants save and invest wisely toand through retirement.

TFLIC Guaranteed Pooled Fund seeks to provide

maximum yield consistent with a guarantee of principal and

interest. The portfolio is a guaranteed separate account of

Transamerica Financial Life Insurance Company (TFLIC) that

invests in a diverse pool of high quality fixed-income

instruments and is offered through a group annuity contract.

TFLIC has been rated A+ by A.M. Best. Advisor: Galliard

Capital Management

Transamerica Partners Core Bond invests primarily in

investment grade debt securities and U.S. government

obligations, mortgage-backed securities guaranteed by U.S.

government agencies and instrumentalities and those of

private issuers. Advisor: Transamerica Asset Management,

Inc. Subadvisor(s): BlackRock Financial Management.

Transamerica Partners High Yield Bond Fund invests in

high yield fixed income securities, rated BB or lower (by

Moody’s and Standard & Poor’s rating agencies). Advisor:

Transamerica Asset Management, Inc Subadvisor(s):

Eaton Vance Management.

Transamerica Partners Large Value invests primarily in

issuers listed on U.S. exhanges that the Fund’s sub-advisor

belives are seasoned, liquid and low priced, with effective

management and positive momentum. Advisor:

Transamerica Asset Management, Inc. Subadvisor(s):

Aronson+ Johnson+ Ortiz, LP.

Transamerica Partners Stock Index seeks to match the

returns and volatility (risk) of the S&P 500 Equity Index.


Subadvisor(s): Barclays Global Fund Advisors.

Transamerica Partners Large Core (formerly Growth &Income) invests in a diversified portfolio of stocks which

have the potential to generate long-term capital appreciation

and current dividend income. Advisor: Transamerica Asset

Management, Inc. Subadvisor(s): BlackRock Financial

Management, Inc., Aronson+Johnson+Ortiz, LP,

Transamerica Partners Large Growth (formerly EquityGrowth) invests in a diversified portfolio of common stocks

with the potential for above-average growth in earnings.


Subadvisor(s): Marsico Capital Management, LLC,

Wellington Management Co., and OFI Institutional Asset

Management, Inc.

Transamerica Partners Mid Value invests in a diversifiedportfolio of medium size value-oriented companies. Advisor:Transamerica Asset Management, Inc. Subadvisor(s): Cramer Rosenthal McGlynn, LLC, LSV Asset Management.

Transamerica Partners Mid Growth invests in a diversifiedportfolio of medium size, growth-oriented companies. Advisor: Transamerica Asset Management, Inc Subadvisor(s): Columbus Circle Investors

Transamerica Partners Small Value invests in a diversifiedportfolio of small, high-quality companies selling at largediscounts to the underlying value of the business. Advisor:Transamerica Asset Management, Inc Subadvisor(s):Mesirow Financial Investment Management, Inc. and OFIInstitutional Asset Management, Inc.

Transamerica Partners Small Growth invests in adiversified portfolio of small, growth-oriented or emerginggrowth companies that are believed to offer above averageopportunities for long-term price appreciation. Advisor:Transamerica Asset Management, Inc. Subadvisor(s): Trustco Capital Management.

Transamerica Partners International Equity investsprimarily in the stock markets of the United Kingdom,continental Europe, Japan, Canada, and Australia. Advisor:Transamerica Asset Management, Inc. Subadvisor(s):LSV Asset Management and Wellington ManagementCompany.

Transamerica Asset Allocation-Short Horizon seeks toattain its objective by investing in an array of Diversified’sFunds. The primary emphasis is on fixed income funds withlimited exposure to equity funds. Advisor: TransamericaAsset Management, Inc.

Transamerica Asset Allocation-Short/IntermediateHorizon seeks to provide consistent returns with reducedvolatility by investing in an array of Diversified’s Funds. Theportfolio invests in a combination of both fixed income andequity funds, maintaining limited exposure to the equityfunds. Advisor: Transamerica Asset Management, Inc.

Transamerica Asset Allocation-Intermediate Horizonseeks to provide greater potential for long-term return atmoderate risk levels by investing in an array of Diversified’sFunds. The portfolio invests in a combination of both fixedincome and equity funds, maintaining approximately equalexposure to both asset classes. Advisor: Transamerica AssetManagement, Inc.

Applicable to everyone, except Florida, New York, Oregon andVirginia Residents: Any person who knowingly and with intent todefraud any insurance company or other person files an application forinsurance or statement of claim containing any materially falseinformation, or conceals for the purpose of misleading, informationconcerning any fact material thereto, commits a fraudulent insuranceact which is a crime, and subjects such person to criminal andsubstantial civil penalties.

Information

FRAUD WARNINGIn some states, we are required to advise you of the following: Florida Residents Only: Any person who knowingly and with intent toinjure, defraud, or deceive any insurer files a statement of claim or anapplication containing any false, incomplete, or misleading information isguilty of a felony of the third degree.

FREQUENTLY ASKED QUESTIONS

How much of my accrued leave balance can bedeposited into my BENCOR account each year ?

For the plan year 2013 contributions cannot exceed the IRS415(c) limit currently the lesser of $51,000 (effective July 1,2012) or 100% of the Plan Year Compensation into the 401(a)plans and an additional $51,000 (effective January 1, 2013) or100% of Plan Year Compensation for 403(b) Plans.

Are my funds safe?

If you elect to have your funds deposited into the fixedinterest option, the principal and interest paid on the accountcarry a minimum rate of return guaranteed by the investmentprovider. If you elect to invest your funds into the variableinvestment options, you assume all market risks.

What if my Special Pay accumulations exceed theannual maximum?

An employer sponsored 403(b) program has beenimplemented in addition to the BENCOR 401(a) program sothat all funds up to a total of $102,000 may be sheltered in aplan year. The employer 403(b) contributions will be offset byany contributions you make into a voluntary 403(b) account.Calculations will be made at the time of your retirement todetermine the eligible amounts. All funds exceeding theselimits will be paid to you as normal payroll and will be subjectto all applicable taxes.

Should my employer allow funds to be deposited overyears while I am still employed, can I withdraw thefunds after they have been sent to BENCOR on mybehalf while I am still employed?

These Terminal Sick Leave Payments may not be withdrawnuntil the employee has separated from the school system.There is, however, a loan provision in this program and a loanmay be requested against the funds in your account. ContactBENCOR Administrative Services directly should you haveadditional questions on loan provisions.

When am I required to withdraw funds from myaccount?

In order to avoid IRS penalties equal to 50% of the amountthat should have been withdrawn, it is suggested that youbegin receiving benefits from your account by the later ofApril 1 of the following year you turn 70 1/2 or separate fromservice with your employer.

The BENCOR Special Pay

Plan qualifies for valuable

tax benefits under

IRC Section 401(a) and

403(b).

The performance figures represent past performance. Past performance does not guarantee future results. The investment return and principal valueof an investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost. Current performancemay be lower or higher than the performance data quoted. Visit www.bencorplans.com to obtain performance data current to the most recentmonth-end and quarter-end.

BENCOR NATIONAL PLAN INVESTMENT OPTIONS

1 Equity funds invest in equity securities, which include common stock, preferred stock and convertible securities. Because such securities represent ownershipin a corporation, they tend to be more volatile than fixed income or debt securities, which do not represent ownership.2 Value-based investments are subject to the risk that the broad market may not recognize their intrinsic values.3 Growth stocks tend to be more volatile than stocks that have below market valuations.4 The securities of medium-sized companies, because of the issuers’ lower market capitalization, may be more volatile than those of large companies. 5 The securities of small-sized companies, because of the issuers’ lower market capitalizations, may be more volatile than those of large or medium-sizedcompanies.6 Foreign securities and markets pose different and possibly greater risks than those customarily associated with domestic securities, including currencyfluctuations and political instability.7 Any US Government guarantees of the securities held in this investment fund only pertain to those securities and not the Fund or its yield. 8 Bonds and bond funds are subject to interest rate risk, credit risk and inflation risk. Interest rate risk means that the value of bonds and bond funds generallyfalls when interest rates rise, causing an investor to lose money upon sale or redemption.9 Asset allocation funds are subject to the risks of the underlying funds in which they invest. To the extent the fund invests more of its assets in stockinvestments, and in particular, small-cap stocks and/or foreign stocks, it will be subject to greater risk than a fund investing more of its assets in bond funds. TheAsset Allocation Funds bear investment management fees in addition to the investment management fees and expenses of the underlying funds in which theyinvest.10 Market values of inflation-protected securities can be affected by changes in the market’s inflation expectations or changes in real rates of interest. 11 Lower rated high yield corporate debt securities represent a much greater risk of default and tend to be more volatile than higher rated or investment gradebonds.12 The Guaranteed Pooled Fund is a pooled separate account offered through Transamerica Financial Life Insurance Company (TFLIC), 440 MamaroneckAvenue, Harrison, NY 10528, which provides the guarantee of principal and interest. TFLIC’s claims paying ratings are: Standard & Poor’s: AA-: (VeryStrong); Moody’s: A1: (Good); A.M. Best: A+: (Superior)13 Mortgage-backed securities are subject to prepayment risk and may be sensitive to changes in prevailing interest rates.

Certain performance data for such funds are provided by independent firms that track the investment industry (such as Lipper, Inc.), or from the fund familyitself. Although data are gathered from sources believed to be reliable, neither the independent tracking firms nor Diversified can guarantee the completeness,accuracy, timeliness or reliability of the data. All data are historical and subject to change at any time. Independent tracking firms may use differentmethodologies for providing mutual fund performance information. The independent tracking firms reserve all rights in their respective proprietary data.

Diversified’s presentation of performance information for the non-Transamerica Partners funds, if any, is for informational purposes only and should not beconstrued as an endorsement or recommendation by Diversified nor be the basis of any investment decision. Depending on the particular non TransamericaPartners, Diversified or its affiliate may receive remuneration from the fund family (or its service provider) for providing certain recordkeeping or otheradministrative services.

The Transamerica Asset Allocation Funds invest in combinations of the funds of the Transamerica Partners Funds Group, as determined by Transamerica AssetManagement, Inc. ("TAM") based on each Fund’s investment objective. The Asset Allocation Funds bear investment management fees in addition to theinvestment management fees and expenses of the underlying funds in which they invest.

7494 – MF (01/13)

Annualized Rates of ReturnFor Periods Ended 12/31/2012

10 Yrs/Inception

InceptionDateFunds 1 Year 3 Yrs 5 Yrs Expense

Ratio Stock Funds

4.61 Jul-94 Transamerica Partners Large Value1,2 16.76 10.68 -2.31 1.006.47 Apr-99 TAP Stock Index Fund1 15.38 10.23 1.09 0.655.41 Jul-94 Transamerica Partners Large Core1 16.68 10.15 0.64 1.155.63 Jul-94 Transamerica Partners Large Growth1,3 14.24 8.96 0.81 1.24

10.15 Aug-01 Transamerica Partners Mid Value4,2 18.79 11.70 2.67 1.257.73 Sep-01 Transamerica Partners Mid Growth4,3 13.30 10.47 -0.42 1.357.07 Jul-02 Transamerica Partners Small Value5,2 15.30 12.40 4.26 1.505.50 Aug-02 Transamerica Partners Small Growth5,3 0.63 5.33 -0.99 1.555.87 Jan-96 TAP International Equity6 16.65 4.65 -6.39 1.40

Multi-Asset Funds4.93 Jun-96 TAP Asset Allocation-Short Horizon9 7.83 6.92 5.23 1.125.26 May-98 TAP Asset Allocation-Short/Inter Horizon9 9.59 7.38 3.90 1.185.38 Jun-96 TAP Asset Allocation-Inter. Horizon9 11.05 7.88 2.52 1.235.52 Jun-96 TAP Asset Allocation-Inter/Long Horizon9 12.65 8.37 1.09 1.305.36 May-98 TAP Asset Allocation-Long Horizon9 14.01 8.45 -0.72 1.36

Bond Funds4.96 Jul-94 Transamerica Partners Core Bond7,8 7.66 6.96 6.03 0.98

9.50 Jan-96 TAP High Yield Bond8,11 14.56 11.29 8.76 1.10 Stable Fund For the latest credited rate information, please log into your account at

www.bencorplans.com and select “Fund Performance”. TFLIC Guaranteed Pooled12

TAP = Transamerica Partners

Without theBENCOR Plan

With theBENCOR Plan

How the Special Pay Plan works

Let’s assume you participate in your 401(a)/403(b) SpecialPay Plan and retire on June 30, the last day of the fiscal year.Assume also that you earn $52,000 a year and you haveaccumulated $60,000 in unused sick-leave, annual-leave orvacation pay, which your employer will deposit into yourSpecial Pay Plan account up to the maximum allowed by law.The remainder will be paid to you in cash.

In this example, the entire sick/annual-leave pay is within themaximum allowed by law for the 401(a)/403(b) Special PayPlan and will be contributed to the plan. If thesick/annual-leave pay had been greater than $102,000 (2013),the remainder would be paid to the employee in cash, lesspayroll taxes, and subject to current income tax. Themaximum contribution for 401(a) and 403(b) Special PayPlans may be reduced by, or require coordination with,contributions to other 401(a) and 403(b) plans respectively, ofthe employer in the same year. Also in this example, there areno contributions to any other 401(a) or 403(b) plans.

The BENCOR 401(a)/403(b) Special

Pay Plan is a tax-qualified

retirement plan for unused sick pay,

vacation pay or severance pay.

¹ 50% of any contribution amount exceeding these calculations may be placed in the BENCOR 401(a) plan up to 415c limits. ² In the year of separation under the example above

Tax-year salary (1/1 to 6/30) $52,000 ÷ 2.........................................Accumulated sick/annual leave compensation..................................Total tax-year compensation (salary plus sick/annual leave)............Less BENCOR plan contributions.....................................................Total current taxable income..........................................................

Federal income tax (25%) ................................................................Payroll tax - Social Security (6.2%)..................................................Payroll tax - Medicare (1.45%).........................................................Total year 2013 tax owed................................................................

Income tax deferral²..........................................................................Permanent payroll tax savings..........................................................Total year 2013 tax savings plus tax deferral...............................

$ 26,000 60,000 86,000

0$ 86,000

$ 21,500 5,332 1,247$ 28,079

$ 0 0$ 0

$ 26,000 60,000 86,000

60,000$ 26,000

$ 6,500 1,612 377$ 8,489

$ 15,000 4,590$ 19,590

This chart, including the compensation amounts and tax rate, is an example only, does not reflect the value of any investment and is not a guarantee of future returns.

The following chart compares an employee's current-year tax liability²with and without the BENCOR Plan

Assuming plan contributionsare non-elective employercontributions, the followingillustrates the Special Pay Plan benefits:

401(a) Plan year compensation (7/1 to 6/30)100% Employee’s Plan Year Salary......................... $52,000

403(b) Plan year compensation (calendar year)100% Employee’s last 12 months’ salary................ $52,000

Maximum plan contribution calculation

1. 401(a) Contribution Limits = 100% of Plan Year Salaryup to $51,000:

• 100% of Plan Year Salary(100% x $52,000 = $52,000 or $51,000 if less )......................................................................$51,000

2. 403(b) Contribution Limits = 100% of last 12 months’salary up to $51,000

• 100% of Plan Year Compensation(100% x $52,000 = $52,000 or $51,000 if less)minus (Employee 403(b) elective deferrals = 0)......................................................................$51,000

Maximum allowable 401(a) plan contribution¹ ........ $51,000Maximum allowable 403(b) plan contribution¹..........$51,000

Total Sick/Annual Leave Pay....................................$60,000

BENCOR 401(a) plan contribution ............................$51,000BENCOR 403(b) plan contribution............................ $9,000Total BENCOR contributions......................................$60,000

Balance paid directly to employee.................................... $0

Plan administrationBENCOR Administrative Services provides personalizedconsulting and administrative services for BENCOR NationalPlan participants.

For general plan information, specific account information or tochange investment options, please phone 1-888-258-3422.Press "5" to access the automated, toll-free voice system, 24hours a day.

Visit the BENCOR Web site at www.bencorplans.com, andchoose "Account Access" to view your account informationonline.

Withdrawals and distributionsIt may be more advantageous under federal tax laws to delaytaking distributions or withdrawals until a later tax year inwhich your tax rate may be lower.

Distributions may be taken at termination of employment orupon total disability or death. As an eligible participant, youmay leave your money in the plan to continue to benefit fromtax-deferred growth. You may take distributions as you chooseor set up periodic payments to be paid monthly, quarterly,semi-annually or annually. Or you may take a lump-sumdistribution.

To receive a withdrawal or distribution, you must initiate theprocess by requesting a distribution package from the planadministrator.

For loan availability and provisions, contact the planadministrator.

If you terminate your employment, you (or your survivingbeneficiary) may roll the distribution to an IRA or anotheremployer’s tax-qualified retirement plan.

Withdrawals are not subject to the federal 10% tax penalty ifyou are age 55 or older at separation from service with youremployer. Penalty-free distributions will also be made upontotal disability or to your beneficiary upon your death.

Please consult your tax advisor for information regarding taxeson plan withdrawals and distributions.

TrusteeReliance Trust Company acts as trustee for the BENCORNational Plan and handles all plan deposits and distributions.

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Planning for the future

today can help make

tomorrow a lot brighter

The BENCOR Special Pay Plan, which is part of the BENCORNational Plan, is offered by your employer as a powerful way to helpyou realize your retirement dreams.

Here’s howIf you are entitled to sick, annual-leave and vacation pay, as well asother forms of special pay, the BENCOR Special Pay Plan will helpensure you never pay Social Security and Medicare taxes on thatmoney. It will also give you the ability to defer payment of therelated income taxes until you receive distributions at retirement.*

Features and benefits:

EligibilityIf you have accumulated sick, annual-leave and vacation pay, aswell as other forms of special pay, you are required to participatein this plan.

Benefits to youYou may invest the 7.65% of your special pay income that wouldotherwise have gone toward Social Security and Medicare tax oneligible plan contributions.

Employer contributions are made on a pre-tax basis. Income taxon this compensation is deferred until distributions are taken.

VestingYou are immediately 100% vested in all contributions to youraccount.

InvestmentsUpon enrollment, contributions are automatically invested in theGuaranteed Pooled Fund (an interest bearing account), wherethey will remain until you decide otherwise. The interest rate onthe GPF is declared annually on January 1 for the calendar year.

You may change the investments in your account:1) by completing a BENCOR Plan Enrollment Form; or,2) by following the investment allocation instructions in this

booklet. If you choose one of the variable investmentoptions, its value will fluctuate and an investor’s units maybe worth more or less than the original cost.

Account statementsAs a participant, you will receive an account statement eachquarter.

Account balances are updated daily and are available over thetelephone or the Internet.

*Retirement Plans are long-term investments. Income taxes are payable uponwithdrawal. Federal restrictions and a 10% tax penalty may apply to awithdrawal after termination of employment if you are not at least age 55 byyear end.

The BENCOR 401(a) and 403(b) Special Pay Plan

For moreinformation

about theSpecial Pay Plan

Plan InformationFor general information concerning the BENCOR SpecialPay Plan you may call the number listed below or visit www.bencorplans.com:

BENCOR Administration Services - 1-888-258-34228488 Shepherd Farm DriveWest Chester, Ohio 45069

Investment AllocationIf you wish to move funds from one variable investmentoption to another, or if you wish to move funds betweenthe fixed interest option and variable investment options,you may call the number below or visit the BENCORAdministrative Services website listed below to makeinvestment allocation changes online.

BENCOR Administrative Services - 1-888-258-3422https://www.bencorplans.com.

Online Service & Voice ResponseUpon receipt of the first deposit into your account fromyour employer, you will receive a welcome packet whichincludes instructions on how to access your accountthrough the internet or via the telephone voice responsesystem.

Email: [email protected]

FORM0705

COCF012013

Local BENCOR Retirement ConsultantLocal Contact Information:

Dave Anders: 1-407-252-6514Joe Avallone: 1-800-330-4014

Consultant is registered with and offers only securities andadvisory services through PlanMember SecuritiesCorporation, a registered broker/dealer, investment advisorand member FINRA/SIPC. 6187 Carpinteria Ave, Carpinteria,CA. 93013, (800) 874-6910. BENCOR RetirementConsultants and PlanMember Securities Corporation areindependently owned and operated. PlanMember is notresponsible or liable for ancillary products or services offeredby BENCOR Retirement Consultants.

The BENCOR 401(a) and 403(b) Special Pay Plan …If you are entitled to sick, annual-leave and...

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