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401k product sheet

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Page 1: 401k product sheet

Retirement Plan ServicesHaverford's proven investment philosophy along with diversification benefits applied to your employee retirement plan.

Onsite meetings and accessibility during the year are hallmarks of our approach. Weoffer education to your plan participants, so they can make informed, long-terminvestment decisions and build wealth through your retirement plan.

We review the universe of over 200 fund families currently traded by BPAS to selectplan investments. This flexibility allows us to select the strongest possible mix, usinglow cost funds and institutional share classes.

This program delivers comprehensive administration instead of recordkeeping. Thisincludes eligibility monitoring and determination; real-time vesting updates; astreamlined process for loans, hardships & distributions; strength in compliance &technical matters; and a simplified year-end process for Human Resources.

Technology is deployed through a bilingual voice response unit and participantwebsite that provide personalized rate of return, real time vesting updates, client CallCenter and numerous other services. Plan sponsors also have access to an onlinelibrary of planning tools as well as ongoing census and payroll data to resolveadministrative needs.

Haverford Trust has created an innovative retirement plan offering in partnership with BPAS – a provider of administrativeservices to some 1,900 defined contribution plans and 170,000 participants nationwide. This program combines ourexpertise as investment manager, relationship manager and the client’s local point of contact with an open architectureplatform of investments, fee transparency and state-of-the-art services and technology. We at Haverford use the sameprogram and investment menu for our own retirement plan.

Haverford Trust may serve as Discretionary Trustee within the program – selectingand monitoring funds, creating an Investment Policy Statement, providing ERISA404(c) assistance, and maintaining the integrity of the investment menu over time.

Our asset allocation models and proprietary research process take the mystery out ofinvesting. Participants can select a model portfolio and have their accountprofessionally managed over time according to this strategy. Or they can select acustom mix of individual funds. Our flexibility caters to the needs of all types ofinvestors.

Each plan is serviced by a dedicated BPAS Plan Consultant. This individual will bethe plan sponsor’s main point of contact for day-to-day issues, compliance testing,allocation of employer contributions, preparation of Form 5500 and answering plandesign or plan document related questions.

Thanks to careful design, our retirement program only involves two firms: TheHaverford Trust Company and BPAS. This efficient business model allows us tokeep overall costs low, with no redundancy of effort and a clear delineation ofresponsibilities.

Investments in securities are not FDIC insured, may lose value, and are not bank guaranteed.

Discretionary trustee services

Haverford asset allocation model

Focus on participant education

Open architecture on investments

Simplifying life for Human Resources

State-of-the-art technology

Expertise at plan design

Efficient delivery model

- For Use in One on One Presentations Only -Page 1 of 2

Retirement Plan Services Product Sheet

Page 2: 401k product sheet

Retirement Plan ServicesHaverford's proven investment philosophy along with diversification benefits applied to your employee retirement plan.

Domestic EquityInternational EquityDomestic Fixed IncomeInternational Fixed Income

Through a disciplined process that combines our asset allocation strategies with strategic and tactical allocations, the Haverford Trust Asset Allocation portfolios deliver a practical solution to the needs of plan participants. Below is a summary of our model portfolios, including weightings as of March 1, 2010:

Portfolio weightings are subject to change at any time based on market or other conditions. Investing outside the United States entails additional risks such as political and economic risks and the risk of currency fluctuations.

90%

10%

6%

7%24%

63%

57% 27%

3%

13%

79%

21%

40%

10%

45%

5%

Fixed Income Moderate Income

Moderate GrowthBalanced

Equity

Page 2 of 2Retirement Plan Services Product Sheet