An Investment in Your Company

In a competitive marketplace, employee attraction and retention present a challenging proposition, particularly for small- and medium-sized business owners. How you, as a business owner, address these issues today will ultimately define your success tomorrow.

Your benefit programs are an important component of the overall compensation package you offer employees. As the administrator of your retirement plan, Old Second will deliver the options employees want and the value business owners demand. The end results—greater employee satisfaction, reduced turnover, increased productivity—will speak for themselves.

The Old Second Difference

• Highly motivated, experienced employee benefit specialists
• Comprehensive consulting services
• Proven investment management expertise
• Bilingual capabilities and resources
• Custom plan design with greater flexibility
• Advanced web-based technology

One Size Does Not Fit All

At Old Second, we understand that all businesses are not created equal. We offer a complete range of retirement programs, from simple IRS-approved prototypes to sophisticated individually designed plans. And if you’re not satisfied with your current plan, we can help. Old Second has the expertise to develop creative, cost-effective benefit solutions that will pay tremendous dividends to you and your employees— today and in the future.

Our retirement plan services encompass the elements that are crucial to the success of any company retirement program:

• Plan design flexibility
• Solid long-term investment options
• Timely and accurate record keeping
• Effective employee communications

Designing a Plan that Performs

At its core, an effective employee benefit program begins with a qualified retirement plan. If your current plan is not meeting your specified objectives, you do have options. Old Second benefit specialists will analyze your existing plan and make suggestions for improvement. We can also help you design or convert to a new plan with minimal disruption or frustration.

Solid Long-Term Investment Options

We realize that individual employees have individual investment objectives. That’s why Old Second offers a wide array of investment products and services from which to choose. We utilize investment strategies that match individual circumstances, goals and risk tolerance.

Some employees feel comfortable with conservative funds, such as government securities or bond funds. Others may prefer investing in more aggressive options, like growth funds or other stock mutual funds. Whether you wish to offer your employees many fund choices or just a few, we will ensure you have a quality menu of investment alternatives. We also offer full investment management services.

Our team of highly trained and experienced investment professionals is committed to ensuring you and your employees’ financial security long-term. We take our fiduciary role very seriously. It’s been our defining function since 1919.

Timely and Accurate Record Keeping

To process plan transactions and report plan and participant balances, your retirement plan demands an accurate record keeper. Old Second offers several options. Among them are:

• Annual Balance-Forward— Designed for "pooled" accounts, such as pension or profit sharing plans without individual investment choices. You, the business owner, will work with an investment officer to determine the investment parameters of the account.



• Quarterly Balance-Forward— Designed for pooled accounts with individual investment choices, such as 401(k) plans or certain profit sharing plans. Employees are presented with a menu of investment options.



• Daily Internet— A more sophisticated option for 401(k) and other plans with individual investment choices. If your employees are comfortable with a high-tech environment, you may want to consider a real-time 401(k) product designed for the Internet. Each employee has access to a 24-hour voice response system or web site for inquiries, investment trades, statements, distributions, loan processing and education.

Effective Employee Communications

Designing a strong benefit package is only part of the process. Educating employees on how to achieve maximum value from the participation completes our circle of involvement. Interactive, on-site meetings and informative collateral materials are an integral part of the services we provide.

Additionally, to address the needs of a diverse workforce and the communication challenges that it presents, Old Second can provide you with printed materials in Spanish and facilitate on-site bilingual presentations.

Our team of highly trained and experienced investment professionals is committed to ensuring you and your employees’ financial security long-term. We take our fiduciary role very seriously. It’s been our defining function since 1919.

Proven Retirement Plan Expertise

The Old Second Wealth Management group has been designing and implementing retirement benefit plans for nearly fifty years. The expertise and dedication of our staff is unparalleled in the Fox Valley region, and our reputation in asset management speaks for itself.

Old Second delivers the products and services you need with a level of service unmatched in the industry. Our extensive range of plan options, standard of service and innovative record keeping capabilities make Old Second a leader among retirement plan providers.

For more information on Old Second Retirement Benefit plans, contact us in Aurora at 630-906-2000.