Participant Rate of Return (PRR) Analytics* User Guide

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1 Schwab Retirement Technologies, Inc. SCHWAB RT Participant Rate of Return (PRR) Analytics* User Guide * Powered by

2 Schwab RT PRR Analytics User Guide September, 2014 The material contained herein is proprietary to Schwab and for informational purposes only. The information is not intended to provide tax, legal or investment advice. Schwab does not guarantee the suitability or potential value of any particular information source. Certain information presented herein may be subject to change. The information or material contained in this document may not be copied, assigned, transferred, disclosed or utilized without the express written approval of Schwab. The Charles Schwab Corporation provides services to retirement plans and participants through its subsidiaries: Charles Schwab & Co., Inc. (Member SIPC), Charles Schwab Bank, Schwab Retirement Plan Services, Inc., Schwab Retirement Plan Services Company and Schwab Retirement Technologies, Inc. (Schwab RT). Schwab RT is engaged in developing and licensing proprietary retirement plan recordkeeping systems to independent Third Party Administrators. For further information, contact Schwab Retirement Technologies, Inc. at 4529 Sharon Road, Charlotte, NC 28211, USA. Web site: schwabrt.com. dailyvest, Inc. is not affiliated with Schwab Retirement Technologies, Inc Schwab Retirement Technologies, Inc. All rights reserved. Schwab Retirement Technologies

3 Overview Summary Participant Rate of Return (PRR) Analytics, released in October 2014, provides a significant upgrade to the legacy Charts and Graphs options available for the participant website. PRR Analytics delivers the following new features: Updated menu with integrated Dashboard (optional) or standalone views Robust filter options let participants customize views by Asset Class, Money type, Fund, Period, and Allocation Updated graphics with context-sensitive performance indicators Ability to interact with graphics using zoom, hover, and drill-down controls to obtain detailed or custom information Built-in chart tutorials and calculation details Automatically adopts the skin assigned to the participant website. Supports your existing dailyvest Web gadgets using data from the new PRR Analytics Day One Impact The impact of the PRR Analytics upgrade is explained below: If you are currently using dailyvest Charts and Graphics: PRR Analytics will automatically display the same Charts and Graphs options that are currently enabled in Schwab RT Administration If all Charts and Graphs are currently enabled, the PRR Dashboard option is automatically enabled If any Charts and Graphs are currently not enabled, you must enable the new Show Dashboard option If you are NOT currently using dailyvest Charts and Graphics: To enable PRR Analytics, you must: Add the Rate of Return menu option to the participant menu Enable the desired Charts and Graphs options. See Enabling Chart Options for more information. Browser Support PRR Analytics is supported by the following browsers: IE 9, IE 10, Chrome, and Firefox. IE 11 compatibility is being tested and will be confirmed in a future update. IPMs and Portfolio Models Asset Class PRR Analytics displays IPMs and model portfolios at the portfolio level but does not show the underlying funds. PRR Analytics uses the Asset Class defined in the Investment Class field on the Characteristics window in Investment Maintenance/C002. PRR does not currently support Morningstar Categories but this is under consideration for a future enhancement. Tax Codes Required If transactions are posted that do not have a tax code, no PRR data will be displayed September 10, 2014 Schwab Retirement Technologies Page 3 of 19

4 About PRR PRR Analytics is a real-time, investment performance calculation engine and reporting system specifically designed to seamlessly integrate and operate behind the secure firewall of an account access website application. Customizable charts and tables can be generated to communicate personal performance results including net investment vs. market value, cumulative historical returns, annualized returns, monthly, quarterly, yearly, year-to-date, multi-period and custom period returns, geometrically linked returns and benchmark comparison charts and tables. PRR Analytics adheres to calculation methodologies recommended by the Investment Performance Council of the CFA Institute. Specifically, calculation methodologies are consistent with those specified in the Global Investment Performance Standard, or "GIPS" standard. In addition to the GIPS-recommended Time-Weighted Rate of Return methodologies (including Modified-Dietz and Daily Valuation), the Dollar-Weighted Rate of Return method is also available. Quick Tour Icons and Controls The icons and controls used to manipulate the graphics on the PRR interface are defined below: Icon Purpose Click arrow to open and close Filter and Period menus Click arrow to change Allocation View Click to reset Filters and Periods Hover for instructions on using Allocation pie chart Click to select a different chart from performance chart menu Click for information on how returns are calculated View individual chart tutorials Click to Display secondary charts Enable allocation change icons in chart Change display modes and bar chart periods Hover for information about a specific date in chart timeline Click to reset filter for that date Hover for information about allocation change in chart timeline, if enabled Hover to see what items are currently being analyzed Hover for information about as of date September 10, 2014 Schwab Retirement Technologies Page 4 of 19

When you change the filter setting, the filter is applied to all the elements on the dashboard, where applicable,

5 PRR Dashboard The new PRR Dashboard, shown below, provides an integrated, interactive workspace that includes a filter set, performance indicators, allocation pie chart, various Rate of Return charts, and a summary of investment activity. When you change the filter setting, the filter is applied to all the elements on the dashboard, where applicable, providing a consolidated view of a participant s retirement account. September 10, 2014 Schwab Retirement Technologies Page 5 of 19

6 Filter and Period Options You can use the Set Filters and Period options that appear at the top of the page to customize the view by Asset Class, Money Type, Fund, Period, and Allocation Type. The expanded filter menu appears below. The Period options include All, MTD, YTD, Custom, 1 Year, and other options. If you select the Custom option, fields appear for entry of user-defined start and end dates, as shown below. September 10, 2014 Schwab Retirement Technologies Page 6 of 19

Performance Indicators The Dashboard includes a set of performance indicators, including account balance, that react dynamically when you change a filter or period.

7 Performance Indicators The Dashboard includes a set of performance indicators, including account balance, that react dynamically when you change a filter or period. This section of the dashboard contains a number of special controls that you can use to view the items being analyzed, change the allocation view without expanding the filter set, learn how your rate of return was calculated, and reset the filters to show all items. Note: In the above illustration, hidden by the allocation drop-down menu, there is a reset icon that you can use to reset all filters to the All position. September 10, 2014 Schwab Retirement Technologies Page 7 of 19

8 Allocation Pie Chart The Allocation pie chart reflects the current Allocation setting (Asset Class, Fund, or Money Type). Hover over the different slices in the pie, or in the legend, to view fund information, including allocation percent and dollar amount. If you click on a slice, the filter for that fund will be set and the other elements of the dashboard will reflect the information for the selected fund. To reset the filter to All, click the reset icon in the upper right corner. You can also toggle between the balance and the number of units, or shares, held in each fund. These and other options are pointed out in the following illustration. September 10, 2014 Schwab Retirement Technologies Page 8 of 19

Performance Charts To the right of the Allocation pie chart, a variety of PRR and other performance charts are available for viewing, depending on which ones you ve

The color codes for each line appear in the chart header. Other charts are available from the menu at the upper right.

9 Performance Charts To the right of the Allocation pie chart, a variety of PRR and other performance charts are available for viewing, depending on which ones you ve enabled for the participant to see. The Net Investment vs. Market Value line chart shows investors net cash flows vs. their market value over time. The color codes for each line appear in the chart header. Other charts are available from the menu at the upper right. A detailed explanation of the chart is available from the light bulb icon at the top right The options and features available with this chart are called out in the following illustration. September 10, 2014 Schwab Retirement Technologies Page 9 of 19

shown below. This feature lets you display and compare two different views based on the same parameters.

10 Secondary Chart Option For the Net Investment vs. Market Value chart, the wrench icon at the top left allows you to add a secondary chart below the primary chart, as shown below. This feature lets you display and compare two different views based on the same parameters. Note: The wrench icon is available with some of the other performance charts, but its purpose varies depending of the type of chart. September 10, 2014 Schwab Retirement Technologies Page 10 of 19

11 Zoom Feature The performance charts also provide the ability to drill down on a chart in order to view an area in more detail. To demonstrate this zoom feature, we ll use the Cumulative Returns chart, selected from the chart menu. September 10, 2014 Schwab Retirement Technologies Page 11 of 19

Zoom Feature (cont.) The following illustration shows how you can drag your mouse over an area of a chart in order to enlarge it so you can view it in more detail.

12 Zoom Feature (cont.) The following illustration shows how you can drag your mouse over an area of a chart in order to enlarge it so you can view it in more detail. You can repeat the zoom procedure as many times as necessary until the desired magnification is achieved. September 10, 2014 Schwab Retirement Technologies Page 12 of 19

13 Other Performance Charts In addition to the Net Investment vs. Market Value chart and the Cumulative Returns chart, shown previously, the following charts are also available from the chart menu. PRR Barchart PRR Table I September 10, 2014 Schwab Retirement Technologies Page 13 of 19

14 Other Performance Charts (cont.) PRR Table II Investment Summary September 10, 2014 Schwab Retirement Technologies Page 14 of 19

15 Other Performance Charts (cont.) Balance History Allocation History September 10, 2014 Schwab Retirement Technologies Page 15 of 19

Investment Activity Summary The Investment Activity Summary chart, located at the bottom of the dashboard, provides a

If you hover over the Beginning and Ending Value links, a pop-up indicates exactly when the values were computed.

16 Investment Activity Summary The Investment Activity Summary chart, located at the bottom of the dashboard, provides a summary of investment activity by fund. If you hover over the Beginning and Ending Value links, a pop-up indicates exactly when the values were computed. Menu Option Summary If the Dashboard option is enabled, the Dashboard appears by default when the participant accesses the PRR option from the website. In addition to the integrated Dashboard view, many of the charts can be viewed individually by selecting the appropriate menu options. The following illustration shows all menu options that are available for display to the participant. September 10, 2014 Schwab Retirement Technologies Page 16 of 19

Example of Individual Chart View If you select Cumulative Returns from the menu, the chart appears in standalone mode, without the Allocation pie chart and Investment Activity Summary that are

17 Example of Individual Chart View If you select Cumulative Returns from the menu, the chart appears in standalone mode, without the Allocation pie chart and Investment Activity Summary that are automatically included in the dashboard view. Note that the filter set and performance indicators are always included in the standalone view. September 10, 2014 Schwab Retirement Technologies Page 17 of 19

Administration Enabling Chart Options In Schwab RT Administration (Plan Options/Charts and Graphs), you can enable PRR graphics for the participant website.

If all dailyvest Charts and Graphs options are enabled in Schwab RT Administration when you upgrade to this release, the Dashboard will automatically be enabled.

18 Administration Enabling Chart Options In Schwab RT Administration (Plan Options/Charts and Graphs), you can enable PRR graphics for the participant website. One new option is added for this release: Show Dashboard Required to enable the Dashboard view. If all dailyvest Charts and Graphs options are enabled in Schwab RT Administration when you upgrade to this release, the Dashboard will automatically be enabled. If you don t have all the settings turned on, the Dashboard will be disabled and you will need to enable it. These rules do not apply to the Show plananalytics option, which is reserved for Plan Sponsors. Enabling the Menu Option PRR Analytics requires that the Rate of Return menu option be enabled in Menu Manager. If you have not previously enabled dailyvest Charts and Graphs, you will need to add this option to the participant menu. September 10, 2014 Schwab Retirement Technologies Page 18 of 19

For skins that use very dark or light backgrounds, you may need to make adjustments to ensure that the contrast between the fonts and the backgrounds is sufficient to make the characters easy to read.

19 Skin Design The PRR web pages automatically adopt the skin assigned to the participant website. As a best practice, we recommend that you preview the PRR pages on the participant website to make sure the fonts in the menu and headers are legible. For skins that use very dark or light backgrounds, you may need to make adjustments to ensure that the contrast between the fonts and the backgrounds is sufficient to make the characters easy to read. Training Video A brief, unbranded PRR What s New video is available from Schwab RT that you can use to demonstrate the new features of PRR Analytics to your sponsors and their participants. You can run the video directly from a link to the Schwab RT Web site or you can download a zip file from our Resource Center (login required) and place the files on your own server. Suggestions for making the PRR video available to your participants: Send an announcement that includes a link to the video Add a message to the participant home page with a link to the video. A sample home page message appears below, followed by the HTML code required to insert the link: new! View a <a href=" target="_blank">brief video</a> to learn about the new Personal Rate of Return features. The following options are available for adding a message to the Participant Home page: Application Option Description Schwab RT Administration Schwab RT Administration Plan Sponsor Home Page Plan Options/ Plan Greeting Content Manager/ Web Home Plan Message - Allows selection of multiple plans - Provides formatting for a single message - Allows customization of content templates - Templates can be assigned to one or more plans - Must select one plan at a time - Time sensitive (user-defined+ date range per message - Provides formatting for multiple messages September 10, 2014 Schwab Retirement Technologies Page 19 of 19

PLAN SPONSOR/PLAN ADVISOR PORTAL USER GUIDE

Schwab Retirement Technologies, Inc. Release 9.0 PLAN SPONSOR/PLAN ADVISOR PORTAL USER GUIDE About this Document This document covers Schwab RT Portal options available to users with the following security