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OneAmerica/HR/Agreement and Fee Disclosure/Defer Comp sip (?nfAnrrHU,n' Services Agreement & Fee Disclosure AUL Retirement Services City of Carmel A s Products and financial services provided by AMERICAN UNITED LIFE INSURANCE COMPANY , a OuFAnirnucA® company One American Square,P.O.Box 368 I Indianapolis,IN 46206-0368 (317)285-1877 I www.oneamerica.com 1 � O\ERICA Products and financial services provided by AMERICAN UNITED LIFE INSURANCE COMPANY I a ONEAMERICA® company Services Agreement & Fee Disclosure AUL Retirement Services City of Carmel General Provisions The Plan Sponsor(hereinafter"you"), having established a retirement plan (hereinafter"Plan"), hereby retains American United Life Insurance Company®of Indianapolis, Indiana, a OneAmerica®company(hereinafter "we, us, our,or AUL")to assist in providing the recordkeeping, administrative and other services described herein. "Plan Sponsor"also means "administrator"as that term is defined under ERISA§3(16)(A). AUL is not a fiduciary or a party to the Plan. We perform administrative functions for you within a framework of policies, interpretations, rules, practices, and procedures established by you.Accordingly, you or the prior plan recordkeeper shall furnish us with all necessary information we may require to carry out our duties.All services provided by us will be based on the data maintained in our records or information supplied by you or the prior plan recordkeeper. We shall be entitled to rely exclusively upon information furnished by you or the prior plan recordkeeper and shall have no duty to look beyond such information. Material will be prepared to the extent possible based on such information and data. Full responsibility for final completion and timely filing of regulatory forms with the Internal Revenue Service, the Department of Labor, or any other governmental agency lies with you.You shall indemnify, protect and hold us harmless from any losses, liabilities, claims and expenses in connection therewith, including counsel fees and court costs, arising out of inadequate or inaccurate data supplied by you,the Contractholder, Trustees, and other fiduciaries, or their failure to forward reports prepared by us. AUL Group Annuity Contract "Contract"means the AUL Group Annuity Contract used to fund your Plan. This Agreement or any Amendments thereto do not affect either party's duties or obligations under the Contract. Services AUL provides numerous services to assist in the operation and management of the Plan, as well as to your employees to help them fully benefit from the Plan and its many provisions. Our services are described in Exhibit A. Notes and Conditions: Facsimile/Electronic Media Acceptance Instructions provided to us by you to execute, cancel, or otherwise proceed with transactions, including those related to, but not limited to, enrollments (except for AUL American Series Annuity Enrollment Forms),loan applications, distributions, and correspondence,will be accepted via facsimile, copy, or other electronic media. This does not apply to retirement plan adoption agreements, group annuity contract applications, or amendments thereto, the New Business Agreement, or Notice, Election &Release documents. You hereby agree that we will not be responsible for any claims, losses, liabilities, or expenses, including legal fees and expenses, resulting from any action taken or not taken by us in reliance on such instructions. AUL Internet and Telephone Services You instruct us to make both online (www.OneAmerica.com) account access and interactive voice response services (OneAmerica TeleServe®system) available to participants with accounts held under the Contract. In addition, you hereby appoint us as your agent for the sole purpose of executing Plan participants'investment and withdrawal instructions through the AUL Web site and telephone system. It is understood that AUL will Page 2 of zo 64A2 OS-o25 Created 10/16/2012 City of Carmel 3 Offer Expires 12/18/2012 Products and financial services provided by ONEAM ERICA AMERICAN UNITED LIFE INSURANCE COMPANY" I a ONHAs r:ucao company execute Plan participants' investment instructions received through the OneAmerica TeleServe®system or the OneAmerica Web site effective as of the close of business on the valuation date, as referenced in your Contract, in which AUL receives the request. Instructions received after 4 pm Eastern Time will be effective on the next day that the New York Stock Exchange is open for trading. It is further understood that AUL has no discretion or authority to alter or decline to execute any Plan participant investment instructions received through the OneAmerica TeleServe®system or the OneAmerica Web site, unless such instructions are impossible to execute. If any such instructions are impossible to execute,AUL will so notify the participant before the instructions are accepted by OneAmerica TeleServe®system or the OneAmerica Web site.All investment instructions received and executed through the OneAmerica TeleServe®system or the OneAmerica Web site will be confirmed in writing to the Plan participant within ten business days. Optional Services Certain optional services are available upon request as listed in Exhibit C.These services include assistance with special plan design (e.g., Individually Designed Plans, Non-AUL Documents, advanced plan compliance and administrative/recordkeeping rework, etc.) or rework requests for any services already delivered (e.g., revised annual reporting, Form 5500 revisions, and/or revised non-discrimination testing, etc.). If the requested rework requires adjustments to a financial transaction that involves variable investment funds,you will be responsible for any loss incurred by participant accounts as a result of market fluctuations. We will not adjust any financial transaction without receipt of your written consent. Charges may apply to any rework resulting from incomplete or incorrect information supplied to us. Fees and Payments Payment for Services The fees for AUL's services are described in Exhibit C and are to be paid on a quarterly basis unless otherwise specified in this Agreement or any Amendments thereto. All fees assessed by us shall be paid in full by you on or before the applicable payment due date. If any amounts remain unpaid for a period of sixty(60) days after the payment due date, we reserve the right to do one or more of the following: Initiate a collection action to secure full and complete payment of any and all amounts that are past due. In the event such action is taken,you are responsible for payment of the original debt, and any and all costs necessary in such action, including, but not limited to,service fees, postage, collection agency fees, court costs and fees, attorney fees, and all other fees necessary to enforce collection and judgments concerning your debt. Deduct such amounts (excluding late fees,which will be billed to you) from participant accounts on a pro- rata basis, if this option is provided for in the Contract. Suspend or cease providing administrative service to the Plan until such time as fees are paid in full. Fee Schedule Subject lb Change The fees described in Exhibit C are not guaranteed. At our option and upon thirty(30) days notice to you, we may amend the fee schedule by adding or changing any fee. Page 3 of zo 64A2 OS-o25 Created 10/16/2012 City of Carmel 3 Offer Expires 12/18/2012 • O\RICA' Products and financial services provided by AMERICAN UNITED LIFE INSURANCE COMPANYI a ONEAMIExmcA® company Assignment We may assign our rights and obligations under this Agreement to a third party by providing thirty(3o) days notice to you. Termination If you do not agree with or wish to reject a change to any fee,you must affirmatively reject the change in writing within 3o days of receipt of the notice of the change.AUL's receipt of such written rejection will terminate this Agreement and AUL will immediately cease providing all of the services set forth and described in this Agreement. Either party may terminate this Agreement thereto by providing thirty(3o) days written notice to the other party. If you terminate this Agreement thereto prior to the end of a Plan Year, fees for the final Plan Year will be determined and assessed assuming completion of a full Plan Year and will be due prior to valuation of assets. This Agreement and the services performed hereunder will terminate on the effective date of termination of the Contract. Standard contract termination processing includes providing a paper listing of participant account values and a single sum payment and/or annual installment payments by check or wire transfer to you or to whomever you direct.Additional contract termination services are available for a fee.These services include transfer of electronic participant data files to a successor recordkeeper, government reporting, plan testing, and mailing checks to individual participants. Visit us at http://www.oneamerica.com/investmentqlossary for a glossary to assist in understanding terms used in this document. Page 4 of 20 64A2 OS-o25 Created 10/16/2012 City of Carmel 3 Offer Expires 12/18/2012 a 0>\AME RICA Products and financial services provided by AMERICAN UNITED LIFE INSURANCE COMPANY® I a O sAMERIC4a company • Fiduciary Acceptance Any reference to Contractholder in this Agreement should be read as Proposed Contractholder until the applied-for group annuity contract goes into effect. I, the undersigned Plan Fiduciary, have received information describing the costs that may occur in connection with buying, maintaining or terminating this Agreement. I have read and understand the disclosure by the Sales Producer and approve this transaction on behalf of the Plan. The undersigned, as Plan Administrator of City of Carmel ("Plan"), hereby appoints American United Life Insurance Company' ("AUL"), as the Plan Administrator's agent for the sole purpose of executing Plan participants' investment instructions as described within this document.AUL may rely on the information provided by the funding entity(or entities) who is (are) holding Plan assets listed in this document. The Contractholder, Plan Administrator, and AUL hereby agree by signing below,that they will be bound by the terms of this Services Agreement& Fee Disclosure as of the date of AUL's acceptance. This Agreement shall continue in effect from the date it is accepted by AUL and from year to year thereafter, unless terminated by AUL or the Plan Administrator by written notification to the other party at least 3o days prior to the date termination is effective. Provide the plan number of this Plan (three digit number). Contractholdcr AUI,RETIREMENT SERVICES SALES REPRESENTATIVE and PLAN FIDUCIARY American United Life Insurance Company® Signature: //Ct. t Signature: • Printed\;ime: t v u,rnecs- e1e,1/ f f) Printed Name: N0Qu l W^_ „ 6, JJ A Title e Title: SaIP �G; N W 4- o_r Date: /O/S /2 0 /2 , Date: 7�I� I a- PLAN ADMINISTRATOR(if other than Applicant) Sales Producer Signature: Signature:err__ Printed Name: Printed Name: Title: Title: Date: Date: For licensing purposes, please indicate the state in which this Agreement is being signed: dt,ay.os_ Electronic acceptance of this Services Agreement& Fee Disclosure by American United Life(AUL) Indianapolis, Indiana indicates that AUL has reviewed its contents along with all other required materials and has accepted its terms, and is equivalent to AUL's written signature. Page 5 of 20 64A2 0S-025 Created 10/16/2012 City of Carmel 3 Offer Expires 12/18/2012 O\AME RICA' Products and financial services provided by AMERICAN UNITED LIFE INSURANCE COMPANY® a ONEAMERICA@ company Exhibit A: AUL Services List AUL provides the following valuable services to benefit Plan Sponsors and participants: - Investment screening, due diligence, and reporting - Participant access to interactive voice response and a call center - Plan Sponsor operational support - Ongoing local enrollment education - Monthly Plan Sponsor newsletters - Plan Sponsor (eSponsor)web site - Assistance with Participant Fee Disclosure compliance - Web-based investment education and support - Initial and ongoing marketing materials and support - Availability of a SSAE16 report AUL provides full plan support,which includes the following recordkeeping services: - Availability of an AUL plan document - Availability of a loan procedure document - Availability of a directed trust agreement - Summary Plan Description (applies to all AUL plan documents -one initial SPD provided at no charge to the Plan Sponsor) - Processing benefit payments and other distributions (Including, if allowed by your plan type, hardship/loan/in-service/separation from service processing) - Processing contributions - Cash or accrual basis accounting - Signature ready Form 5500 and applicable schedules Employer plan financial reports - Participant financial recordkeeping - Participant quarterly statements - Recordkeeping of participant eligibility,vesting and beneficiaries - Electronic enrollment - Form 1o99-R or W-2 tax reporting and Form 945 tax reporting - Assistance with calculation of allocations (except Top Heavy allocations) - Assistance with regulatory plan testing -Services include: o IRC§4o1(k)/401(m)/non-discrimination testing o IRC§4o2(g) or SIMPLE plan elective deferral limitations monitoring for contributions made to the AUL group annuity contract, excluding amounts transferred from a prior service provider. o IRC§416 top-heavy testing o IRC§41o(b)(1)(A) and (1)(B) minimum coverage testing o IRC§415 annual addition limitation testing (this Plan only) Estimate of Recordkeeping Cost: The recordkeeping services identified above will be provided to the Plan without an explicit charge, and AUL expects to receive revenue from investment management companies that will be used, in part, to offset the expenses and costs of those services.Accordingly,AUL is obligated by Department of Labor regulation to provide you with a reasonable and good faith estimate of the cost of these recordkeeping services to your Plan. To develop the estimate,AUL analyzed its 2011 expenses attributable to retirement plans funded by an AUL group annuity contract(its "Total Expenses") and subtracted expenses not directly related to providing Page 6 of zo 64A2 OS-o25 Created 10/16/2012 City of Carmel 3 Offer Expires 12/18/2012 ONE RICA' Products and financial services provided by AMERICAN UNITED LIFE INSURANCE COMPANY® I aONEAMMEwCA® company recordkeeping services(primarily expenses related to sales, marketing and investment management functions), which left AUL's "Recordkeeping Expenses."AUL then developed a Recordkeeping Ratio,which is the ratio of Recordkeeping Expenses to Total Expenses. This Recordkeeping Ratio was applied to the retained revenue that AUL expects in connection with plans similar to yours, resulting in the estimate of the cost of recordkeeping services to your Plan. In determining whether a plan was similar to yours,AUL considered the services available to your Plan,the number of participants, and the amount of plan assets. Based on this methodology,AUL estimates the cost of the recordkeeping services provided to your Plan will be 0.20%of the total assets under your Contract. It is important to remember that this is a reasonable and good faith estimate for the sole purpose of complying with the Department of Labor regulation. Optional Services If requested by the Plan Sponsor,AUL may perform additional services, such as those described below, for a fee or charge in accordance with Exhibit C to be quoted at the time the request is made: - Administrative/Recordkeeping Work o Examples: Processing— Rework,Annual Report— Rework, Compliance Testing— Rework - Advanced Plan Compliance Work o Examples: Restatements, IRS Filings -Voluntary Correction Program (VCP), Form 5300, etc. (excludes Form 5500),MEP Adopting Employer Amendments, Cross Testing, Legislative Restatements, Specialized Testing(Benefits, Rights and Features 401(a)(4), Compensation Ratio Testing 414(5), General Test) - Special Plan Services o Examples: Individually Designed Plans,Non-AUL Plan Documents, Plan Mergers, Plan Spin- offs All services described above are provided by AUL as a non-fiduciary service provider, except that assets held in or in connection with an insurance company separate account are considered to be plan assets under DOL regulations. As a result,AUL is considered to be an investment manager, as defined by ERISA, with respect to its separate account. However,AUL exercises no discretion with respect to the investments made by it and only purchases securities that directly correspond to the investment account within the AUL separate account that has been selected by the Plan participant. Page of zo 64A2 OS-025 Created 10/16/2012 City of Carmel 3 Offer Expires 12/18/2012 �o- el..- Products and financial services provided by ONEAMERICAA AMERICAN UNITED LIFE INSURANCE COMPANY® 1 a ONFAMERICA® company Exhibit B: Investment Options The investment options available under the AUL Group Annuity Contract are listed below. Other than the AUL Fixed Interest Account or the AUL Stable Value Account, these options are investment accounts within an AUL separate account. Contributions received by AUL for these investment accounts will be allocated to a participant's account in the form of units of the appropriate separate account investment account as directed. AUL will then purchase shares of the corresponding mutual fund portfolio or collective investment trust. Participants do not invest directly into any mutual fund, collective investment trust, or underlying investment. NOTE: You must choose either the AUL Fixed Interest Account or the AUL Stable Value Account as an investment option.You cannot choose both. If you choose the AUL Stable Value Account you cannot select any of the competing options which are shown with an asterisk(*) on the Investment Options chart. If you choose the AUL Fixed Interest Account, refer to your New Business Agreement for restrictions that will be applicable to transfers from the AUL Fixed Interest Account. Investment Option Revenue Expense Fix Int/Stable Value/Cash Investment Type Sharing% Ratio % ❑AUL Fixed Account(I2) Fixed Int/Stable Val 0.00 0.00 o AUL Stable Value Account(19) Fixed Int/Stable Val o.00 o.00 ❑OneAmerica Money Market(A4)* Cash 0.00 0.53 Investment Option Revenue Expense Short-Term Bonds Investment Type Sharing% Ratio% ❑Amer Fds Int Bnd Fund of Ameri(89) Short Term Bond 0.35 0.65 ❑Russell Short Duration Bond(PY) Short Term Bond 0.25 0.63 0 Thornburg Limited-Term Income(33) Short Term Bond 0.55 0.99 ❑WTRISC Short Duration Bond(oV) Short Term Bond o.6o 0.97 ❑Vanguard Short-Term Federal(V1)* Short Term Govt Bond o.00 0.20 Investment Option Revenue Expense Intermediate-Term Bonds Investment Type Sharing% Ratio% ❑AmCent Ginnie Mae(MO) Int Government Bond 0.50 0.81 ❑ BlackRock GNMA(BH) Int Government Bond 0.40 0.92 ❑ DWS Strategic Gov't Securities(1N) Int Government Bond 0.25 0.65 ❑AmCent Inflation-Adjusted Bond(MR) Inflation Protected B 0.50 0.73 ❑PIMCO Real Return(QH) Inflation Protected B 0.25 0.70 ❑AmCent Diversified Bond(Z%) Int Term Bond 0.25 0.61 ❑Calvert Income(C2) Int Term Bond 0.50 1.25 ❑Janus Aspen Series Flex Bond(J1) Int Term Bond 0.15 0.55 ❑OneAmerica Investment Grd Bond(Al) Int Term Bond 0.00 0.64 ❑PIMCO Total Return(QG) Int Term Bond 0.25 0.71 ❑ Pioneer Bond Fund(59) Int Term Bond I 0.75 1.24 ❑Prudential Total Return Bond(JQ) Int Term Bond I 0.25 0.60 ❑ Ridgeworth Total Return Bond(RE) Int Term Bond I 0.40 o.6o ❑ Russell Investment Grade Bond(PI) Int Term Bond 0.20 0.56 ❑Russell Strategic Bond(PZ) Int Term Bond 0.25 0.77 o TIAA-CREF Bond Index(5F) Int Term Bond 0.25 0.38 WTRISC Brandes Core Plus Bond(oM) I Int Term Bond o.6o 1.03 Page 8 of 20 64A2 OS-o25 Created 10/16/2012 City of Carmel 3 Offer Expires 12/18/2012 �- ONE RICA' Products and financial services provided by AMERICAN UNITED LIFE INSURANCE COMPANY' I aONFANiERIc.1® company Investment Option Revenue Expense Intermediate-Term Bonds Investment Type Sharing% Ratio ❑WTRISC Long Duration Bond(oW) Int Term Bond o.6o 1.10 ❑Fidelity Adv Strategic Income(ICI) Multisector Bond 0.25 0.99 ❑Franklin Strategic Income(WI) Multisector Bond 0.40 I 0.89 ❑Oppenheimer Global Strat Inc(69) Multisector Bond 0.35 0.92 ❑Payden/Kravitz Cash Balance(XF) Multisector Bond 0.35 1.50 ❑Pioneer Strategic Income(SH) Multisector Bond 0.25 0.82 ❑Russell Global Opportun Credit(10) Multisector Bond 0.20 0.97 ❑Amcent Intl Bond(Z5) World Bond 0.25 0.81 ❑Oppenheimer Intn'l Bond Fund(6K) World Bond 0.35 0.98 ❑Templeton Global Bond(WE) I World Bond 0.40 0.89 ❑Columbia Emerging Mkts Bond(CP) I Emerging Market Bond 0.25 1.01 ❑ Payden Emerging Markets Bond(XE) I Emerging Market Bond 0.25 0.85 Investment Option Revenue Expense High Yield Bonds Investment Type Sharing% Ratio % ❑Amer Fds Ameri High Inc Trst(88) High Yield Bond 0.35 0.72 ❑Fidelity VIP High Income(E3) High Yield Bond 0.15 0.69 ❑ PIMCO High Yield(QI) High Yield Bond 0.25 0.80 ❑ Pioneer High Yield Fund(S7) High Yield Bond 0.75 1.46 ❑Prudential High-Yield(JM) High Yield Bond 0.25 0.63 ❑Ridgeworth High Income(RA) High Yield Bond 0.40 1.01 Investment Option Revenue Expense Balanced Investment Type Sharing% Ratio % ❑Alger Balanced Portfolio(R2) Balanced 0.20 0.93 ❑AmCent Strategic Alloc Aggres(MA) Balanced 0.35 1.21 ❑AmCent Strategic Alloc Conser(MC) Balanced 0.35 1.01 ❑AmCent Strategic Alloc Mod(MB) Balanced 0.35 1.08 ❑Amer Fds American Balanced(8H) Balanced 0.35 o.65 ❑ DFA Global 25/75(XI) Balanced 0.25 0.77 ❑ DFA Global 60/40(XJ) Balanced 0.25 0.58 ❑ Fidelity VIP Asset Manager(E6) Balanced 0.15 0.64 ❑Fifth Third Strategic Income(55) Balanced 0.35 0.99 ❑Janus Aspen Balanced(JS) Balanced 0.25 J 0.83 ❑Manng&Napr Pro-Blend Cons(V6) Balanced 0.35 0.90 ❑Manng&Napr Pro-Blend Extend(V7) Balanced 0-35 1.09 ❑Manng&Napr Pro-Blend Max 018) Balanced 0.35 1.10 ❑Manng&Napr Pro-Blend Mod(V9) Balanced 0.35 1.08 ❑Nuveen Strat Grwth Alloc(4G) Balanced 0.50 1.26 ❑OneAmerica Asset Director(A3) Balanced 0.00 0.60 ❑PIMCO All Asset(QJ) Balanced 0.25 1.13 ❑Pax World Balanced(UM I Balanced 0.35 0.95 ❑Russell LifePoints®Bal Strat(PS) I Balanced 0.20 0.94 ❑Russell LifePoints®Cons Strat(PT) Balanced 0.20 0.76 ❑ Russell LifePoints®Grow Strat(PV) Balanced 0.20 1.01 ❑Russell LifePoints®Mod Strat(PW) Balanced 0.20 0.84 ❑Timothy Conservative Growth(03) Balanced 0.75 2.39 ❑WTRISC Balanced(3R) Balanced o.6o 1.21 ❑WTRISCJPM Agg Growth ETF Fund(oB) Balanced 0.25 o.66 Page 9 of 20 64A2 OS-025 Created 10/16/2012 City of Carmel 3 Offer Expires 12/18/2012 O> RICA Products and financial services provided by AMERICAN UNIITED LIFE INSURANCE COMPANY® I aONFAMcatcA® company Investment Option Revenue Expense Balanced Investment Type Sharing% Ratio % n WTRISC JPM Cap Prsv ETF Fund(oF) Balanced I 0.25 I o.68 ❑WCRISC JPM Growth ETF Fund(oH) Balanced I 0.25 I o.66 El WTRISC JPM Inc&Gro ETF Fund(oJ) Balanced 0.25 I 0.65 0 WTRISC JPM Income ETF Fund(oL) Balanced 0.25 I o.66 Investment Option Revenue Expense Large-Cap Stocks Investment Type Sharing% Ratio % o AllianceBernstein Value Fund(75) Large Cap Value o.6o 1.43 IA Allianz NFJ Div Val(QD) Large Cap Value 0.25 0.96 ID AmCent Equity Income(M7) Large Cap Value 0.35 0.96 ❑AmCent Income&Growth(M2) Large Cap Value 0.35 0.69 0 AmCent Large Company Value(MG) Large Cap Value 0.60 1.12 ❑AmCent Value(AI) I Large Cap Value 0.35 1.01 O Amer Fds Washington Mutual(81) Large Cap Value 0.35 • 0.65 n BlackRock Equity Dividend(BG) Large Cap Value 0.25 0.76 n DWS Large Cap Value(11) Large Cap Value 0.25 o.68 0 Fidelity VIP Equity Income(El) Large Cap Value 0.15 0.56 n Fifth Third All Cap Value(52) Large Cap Value 0.35 1.11 n Invesco Diversified Dividend(NP) Large Cap Value 0.35 0.88 o Invesco Van Kampen Value Oppor(NN) Large Cap Value 0.45 1.37 n MFS Value(U4) Large Cap Value 0.4o 0.94 n Neuberger/Berman Large Cap Val(OG) Large Cap Value o.6o 1.19 n OneAmerica Value(A2) Large Cap Value 0.00 0.59 n Oppenheimer Value(6B) Large Cap Value 0.35 1.02 n Pioneer Equity Income(SD) Large Cap Value 0.60 1.15 O Ridgeworth Large Cap Value(RB) Large Cap Value 0.35 0.83 n Russell U.S.Value(ZE) Large Cap Value 0.25 1.15 ❑T Rowe Price Equity-Income(Ti) Large Cap Value 0.25 o.85 ❑TIAA-CREF Large-Cap Value Ides(5D) Large Cap Value 0.25 0.33 o WTRISC US Large Company Value(oP) Large Cap Value o.6o 1.08 0 AllianceBernstein Core Opp(73) Large Cap Blend 0.60 1.55 IA AmCent Equity Growth(MQ) Large Cap Blend 0.60 I 0.94 n Amer Fds Fundamental Inv(SD) Large Cap Blend 0.35 I 0.66 ❑Fidelity Adv Dividend Grth(EA) Large Cap Blend o.6o I 1.60 0 Fidelity Adv Grth&Income(EC) Large Cap Blend o.6o I 1.29 o Fidelity VIP Contrafund(ES) Large Cap Blend 0.15 0.65 0 Henssler Equity(HE) Large Cap Blend 0.25 0.79 El Lord Abbett Classic Stock(2B) Large Cap Blend 0.40 0.98 ❑Lord Abbett Fundamental Equity(2H) Large Cap Blend 0.40 1.09 ID Neuberger/Berman Focus(OD) Large Cap Blend 0.60 1.32 ❑OneAmerica Socially Responsive(AD) Large Cap Blend Roo 1.20 • El Oppenheimer Main Street Select(61) Large Cap Blend o.6o 1.50 0 Parnassus Equity Income(XB) Large Cap Blend 0.25 0.94 o Pioneer Fund VCT(Si) Large Cap Blend 0.25 0.73 0 Russell U.S.Core Equity(ZA) Large Cap Blend 0.25 0.82 o Russell U.S.Defensive Equity(ZC) _ Large Cap Blend 0.25 1.01 El SSgA S&P®500 Index(Xi) Large Cap Blend 0.22 0.25 ❑TIAA-CREF Growth&Income(5A) Large Cap Blend 0.25 0.72 ❑TIAA-CREF Social Choice Equity(5E) Iarge Cap Blend 0.25 0.44 Page 10 of 20 64A2 OS-o25 Created 10/16/2012 City of Cannel 3 Offer Expires 12/18/2012 ONe RICA. Products and financial services provided by AMERICAN UNITED LIFE INSURANCE COMPANY® I a ONr:AMMCA® company Investment Option Revenue Expense Large-Cap Stocks Investment Type Sharing% Ratio % O Thornburg Value(35) I Large Cap Blend '0.70 1.35 0 Touchstone Focused Fund(OM) I Large Cap Blend 0.25 0.96 0 WTRISC S&P 500 Index(oR) Large Cap Blend o.6o o.8o 0 Alger Capital App Instl(R5) Large Cap Growth 0.25 1.17 ❑Alger Capital App Portfolio(R3) Large Cap Growth 0.20 0.97 C Alger Large Cap Growth Port(RI) Large Cap Growth 0.20 o.85 C AmCent Disciplined Growth(AH) Large Cap Growth 0.35 1.04 C AmCent Growth(MP) Large Cap Growth 0.60 1.23 0 AmCent Select(M4) Large Cap Growth 0.35 1.00 0 AmCent Ultra(M5) Large Cap Growth 0.35 0.99 0 Amer Fds AMCAP(87). Large Cap Growth 0.35 0.73 0 Amer Fds Grwth Fund Of America(8E.) Large Cap Growth 0.35 I o.68 0 Calvert Equity Portfolio(C3) Large Cap Growth 0.50 I 1.22 O Fidelity Adv Equity Growth(EH) Large Cap Growth o.6o I 1.32 0 Fidelity Adv Grwth Opyort(El) Large Cap Growth 0.60 1.25 0 Fidelity Adv New Insights(I:H) Large Cap Growth 0.35 1.08 0 Fidelity Adv Stk Select AllCap(EG) Large Cap Growth o.6o 1.54 0 Fidelity VIP Growth(132) Large Cap Growth 0.15 o.66 0 Fifth Third Quality Growth(53) Large Cap Growth 0.35 1.20 O Franklin Flex Cap Growth(W3) Large Cap Growth 0.65 1.23 0 Franklin Growth(WH) Large Cap Growth 0.40 0.93 0 Invesco Leisure Fund(ND) Large Cap Growth o.6o 1.33 0 Janus Forty(JI) Large Cap Growth 0.25 0.98 0 Janus Growth&Income(.16) Large Cap Growth 0.75 1.39 0 Janus INTECH US Growth(J3) Large Cap Growth 0.50 1.08 C MFS Mass Investors Growth Stk(UG) Large Cap Growth 0.40 0.81 C Managers Cadence Cap Apprec(Q6) Large Cap Growth 0.65 1.38 O Parnassus(XA) Large Cap Growth 0.25 0.94 O Pioneer Fundamental Growth(SI) Large Cap Growth 0.35 0.78 C Pioneer Oak Rdg Lrge Cap Grw(S5) Large Cap Growth 0.75 1.45 O Prudential Jenn 20/20 Focus(JO) Large Cap Growth 0.25 0.89 0 Russell U.S.Dynamic Equity(ZB) Large Cap Growth 0.25 1.16 C T Rowe Price Blue Chip Growth(TA) Large Cap Growth 0.65 1.28 ❑T Rowe Price Growth Stock(TD) Large Cap Growth 0.40 0.93 111TIAA-CREF Large-Cap Gro Index(5C) Large Cap Growth 0.25 0.33 C Thornburg Core Growth(36) Large Cap Growth 0.25 0.99 O WTRISC US Large Company Growth(oT) Large Cap Growth o.6o 1.19 Investment Option Revenue Expense Mid-Cap Stocks Investment Type Sharing% Ratio % C AllianceBernstein S/M Cap Val(74) Mid Cap Value 0.60 1.56 O Allianz NFJ Mid Cap Value Fund(Q2) Mid Cap Value 0.25 - 1.16 C Amcent Mid Cap Value(Z6) Mid Cap Value 0.35 1.01 C BMO Mid-Cap Value(BA) Mid Cap Value 0.25 1.24 C DWS Dreman Mid Cap Value(1G) Mid Cap Value 0.25 1.19 O Fidelity Adv Value(KF) Mid Cap Value 0.35 1.25 O Goldman Sachs Mid Value(93) Mid Cap Value 0.10 0.76 C Janus Perkins Mid Cap Val(JJ) Mid Cap Value 0.25 1.17 C Nuveen Mid Cap Value(48) Mid Cap Value 0.50 1.32 Page a of 20 64A2 OS-025 Created 10/16/2012 City of Carmel 3 Offer Expires 12/18/2012 O\ R1CA Products and financial services provided by AMERICAN UNITED LIFE INSURANCE COMPANY® I a OxsAIIEwCA® company Investment Option Revenue Expense Mid-Cap Stocks Investment Type Sharing% Ratio% 0 Pioneer Mid Cap Value Fund(S6) Mid Cap Value 0.75 1.42 ❑ Ridgeworth Mid-Cap Value(RC) Mid Cap Value 0.35 1.04 0 Victory Established Value(VB) Mid Cap Value 0.45 1.08 O WTRISC US Mid Cap Value(oY) Mid Cap Value 0.60 1.23 0 Ariel(K1) Mid Cap Blend 0.25 1.04 O Arid Appreciation(K2) Mid Cap Blend 0.25 1.15 O CRM Mid Cap Value(CF) Mid Cap Blend 0.25 1.02 0 Columbia Mid Cap Index(CA) Mid Cap Blend 0.25 0.46 0 Fidelity Adv LevCo Stk(EY) I Mid Cap Blend 0.35 1.13 O Invesco Mid Cap Core Equity(112) I Mid Cap Blend 0.45 1.19 0 Lord Abbett Mid-Cap Stock(28) I Mid Cap Blend 0.65 129 ❑Lord Abbett Value Opps(2C) I Mid Cap Blend 0.40 1.31 ❑Oppenheimer Sml&Mid Cap Value(66) Mid Cap Blend o.6o 1.54 0 AllianceBernstein Mid Ca Grwt(78) Mid Ca. Growth o.6o 1.61 0 AmCent Heritage(ME) Mid Cap Growth o.6o 1.26 ❑AmCent Vista(NK) Mid Cap Growth 0.35 1.03 0 BMO Mid-Cap Growth(BB) Mid Cap Growth 0.25 1.23 0 Calvert SRI Mid Cap Growth(C1) Mid Cap Growth 0.10 1.16 0 Fidelity Adv Stk Select Mid(ED) Mid Cap Growth . 0.60 1.13 0 Fifth Third Mid Cap Growth(51) Mid Cap Growth 0.35 1.21 O Franklin Small-Mid Cap Gwth(W6) Mid Cap Growth 0.65 1.25 ❑ Invesco Dynamics Fund(Ni) Mid Cap Growth 0.35 1.11 0 Invesco VK Mid Cap Growth(NR) Mid Cap Growth 0.20 0.82 0 Lord Abbett Growth Opp(21) Mid Cap Growth 0.40 1.41 0 MFS Mid-Cap Growth(U2) Mid Cap Growth 0.40 1.28 0 Managers Cadence Mid-Cap(QB) Mid Cap Growth 0.25 0.98 0 Nuveen Mid Cap Growth Oppty(4A) Mid Cap Growth 0.50 1.28 0 Parnassus Mid-Cap(XC) Mid Cap Growth 0.25 1.20 0 Prudential Jenn MidCap Growth(JC) Mid Cap Growth 0.25 0.79 0 Timothy Strategic Growth(04) Mid Cap Growth 0.75 2.44 0 WTRISC US Mid Cap Growth (0S) Mid Cap Growth o.6o 1.28 Investment Option Revenue Expense Small-Cap Stocks Investment Type Sharing% Ratio % 0 AmCent Small Cap Value(M6) Small Cap Value 0.35 1.41 0 Columbia MultiAdvsr Sm Cap Val(CR) Small Cap Value 0.25 1.27 ❑DFA US Targeted Value(XM) Small Cap Value 0.25 0.63 D Franklin Small Cap Value(W7) Small Cap Value 0.47 1.22 0 Goldman Sachs Small Value(95) Small Cap Value 0.10 1.04 ❑Northern Small Cap Value(OL) Small Cap Value 0.35 1.00 0 Victory Small Company Opptty°(VC) Small Cap Value 0.45 1.41 0 WTRISC US Small Company Value(oX) Small Cap Value o.6o 1.32 ❑AmCent Small Company(MI) Small Cap Blend o.6o 1.15 ❑CRM Small Cap Value(CG) Small Cap Blend 0.25 1.09 0 Calvert Small Cap Fund(CN) Small Cap Blend 0.50 1.69 0 Columbia Small Cap Index(CB) Small Cap Blend 0.25 0.47 ❑Fidelity Adv Small Cap(KL) Small Cap Blend 0.35 1,31 0 Nuveen Sm Cap Value(4E) Small Cap Blend 0.50 1.54 0 Oppenheimer Main St Sm&Mid Cap(67) Small Cap Blend 0.35 1.24 Page 12 of 20 64A2 05-025 Created 10/16/2012 City of Carmel 3 Offer Expires 12/18/2012 , } y O\ RICA Products and financial services provided by AMERICAN UNITED LIFE INSURANCE COMPA 1' I a ONEAMERICA® company Investment Option Revenue Expense Small-Cap Stocks Investment Type Sharing% Ratio % ❑Parnassus Small-Cap(XD) I Small Cap Blend 0.25 1.20 o Russell U.S.Small Cap Equity(ZD) Small Cap Blend 0.25 1.00 D AllianceBernstein Small Cap(71) Small Cap Growth 0.60 1.63 O AmCent Small Cap Growth(MT) Small Cap Growth o.6o 1.66 O BMO Small-Cap Growth(BC) Small Cap Growth 0.25 1.44 O BlackRock SmallCap Growth Egty(BF) Small Cap Growth 0.25 0.80 o Invesco Small Cap Growth(H3) Small Cap Growth 0.45 1.27 o Lord Abbett Small-Cap Blend(2A) Small Cap Growth 0.65 _ 1.48 0 MFS New Discovery(UL) Small Cap Growth 0.40 1.34 0 Neuberger/Berman Small Cap Gro(OJ) Small Cap Growth 0.35 1.26 0 Nuveen Sm Cap Select(4C) Small Cap Growth 0.50 1.32 O Pioneer Growth Opp VCT(S2) Small Cap Growth 0.25 0.84 0 Pioneer Oak Ridge SmallCap Gro(SJ) Small Cap Growth 0.35 I 1.10 0 Prudential Jenn Small Company(JV) Small Cap Growth 0.25 o.86 0 Vanguard VIF Small Comp Growth(V4) Small Cap Growth 0.00 I 0.43 0 WTRISC US Small Company Growth(o0) Small Cap Growth 0.60 I 1.18 Investment Option Revenue Expense Foreign Stocks Investment Type Sharing% Ratio % 0 AmCent Emerging Mkt(MY) Diversified Emerg Mkt 0.35 1.72 ❑Amer Fds New World(80) Diversified Emerg Mkt 0.35 1.01 0 DFA Emerging Markets Value(XH) Diversified Emerg Mkt 0.25 o.86 O Oppenheimer Developing Markets(6F) Diversified Emerg Mkt I 0.35 1.30 0 Pioneer Emerging Markets(SC) Diversified Emerg Mkt 0.60 1.95 ID Russell Emer!zg Markets(PF) Diversified Emerg Mkt 0.20 1.54 o Amcent Intl Discovery(Zr) Foreign Sm/Mid Growth 0.35 1.42 o Columbia Acorn International(CU) I Foreign Sm/Mid Growth 0.25 0.98 0 MFS Intl New Discovery(U1) Foreign Sm/Mid Growth 0.45 1.39 E Oppenheimer Intn'l Small Co(62) Foreign Sm/Mid Growth o.6o 1.56 O AllianceBernstein Intl Value(77) Foreign Value o.6o 1.56 o DFA Intl Value(XL) I Foreign Value 0.25 0.71 . o Goldman Sachs Struct Intl Egtty(99) I Foreign Value 0.10 o.85 0 T Rowe Price Intl Grth&Incom(TE) Foreign Value 0.40 1.07 0 Templeton Foreign(W9) Foreign Value 0.40 1.17 O WTRISC International Value(oil) Foreign Value 0.6o 1.32 0 AllianceBernstein Intl Growth(72) Foreign Blend o.6o 1.59 0 Amer Fds EuroPacific Growth(8B) Foreign Blend 0.35 o.85 0 Fidelity VIP Overseas(E4) Foreign Blend 0.15 0.85 O Russell Intl Developed Markets(PH) _ Foreign Blend 0.20 0.99 0 SSgA International Index(X6) Foreign Blend o.6o 0.70 o TIAA-CREF Intl Equity Index(5B) Foreign Blend 0.25 0.34 o AmCent International Growth(M3) Foreign Growth 0.35 1.32 O Invesco Intl Growth(FIB) Foreign Growth 0.20 0.98 0 Oppenheimer Intl Growth(6D) Foreign Growth 0.35 1.27 o T Rowe Price International St(TB) Foreign Growth 0.65 1.40 0 Thornburg International Value(37) Foreign Growth 0.25 0.99 0 WTRISC International Growth(oQ) Foreign Growth 0.60 1.51 O T Rowe Price European Stock(T2) Europe Stock 0.10 1.01 Page 13 of 20 64A2 OS-o25 Created to/16/2012 City of Carmel 3 Offer Expires 12/18/2012 Products and fimm :ia l services provided by ONEAMERICA AMERICAN UNITED LIFE INSURANCE COMPANY' I a Or rAnu:.mc.a® company Investment Option Revenue Expense World Stocks Investment Type Sharing% Ratio % ❑BlackRock Global Allocation(BE) World Allocation 0.25 0.89 ❑Goldman Sachs Growth Strategy(91) World Allocation 0.10 0.94 ❑Thornburg Invest Income Bldr(38) World Allocation 0.25 0.99 ❑AllianceBernstein Global Value(76) World Stock o.6o 1.94 ❑Amer Fds Capital World Gro&Inc(8A) World Stock 0.35 0.80 ❑Amer Fds New Perspective(SN) World Stock 0.35 0.81 ❑Amer Funds SmallCap World(8F) World Stock 0.35 1.07 ❑DFA Global Equity(XK) World Stock 0.25 0.6o ❑Invesco Global Quant Core(HC) World Stock 0.20 0.98 ❑Janus Aspen Series WW Growth(J2) World Stock 0.15 0.71 Oppenheimer Global Fund(64) World Stock o.6o 1.50 ❑Oppenheimer Global Opport(6I) World Stock 0.35 1.20 0 Pax World Global Green(UE) World Stock 0.35 1.40 ❑ Russell Global Equity(PG) World Stock 0.20 1.25 0 Russell Global Infrastructure(1P) World Stock 0.20 1.34 0 Russell LifePoints©EqGro Stra(PU) World Stock 0.20 1.05 0 Templeton Growth(WA) World Stock 0.40 1.08 ❑ DWS Alt Asset Allocation Plus(1F) Multialternative 0.25 1.55 Investment Option Revenue Expense Specialty Investment Type Sharing% Ratio % ❑AmCent Real Estate(NJ) Specialty 0.35 I 1.16 ❑Columbia Seligman Comm&Info(CT) Specialty 0.25 1.10 ❑ DWS RREEF Real Estate Securiti(1L) Specialty 0.25 0.74 ❑ Fidelity Adv Real Estate(KK) Specialty 0.35 1.19 ❑Goldman Sachs Tech Tollkeeper(97) Specialty 0.10 1.10 ❑Invesco Energy Fund(N5) Specialty 0.35 1.13 ❑Invesco Global Health Care(N6) Specialty o.35 I 1.21 ❑Invesco Technology Fund(N4) Specialty 0.35 I 1.46 ❑MFS Utilities(UI) Specialty 0.40 1.04 ❑Oppenheimer Gold&Special Min(6G) Specialty 0.35 I 1.19 ❑Prudential Financial Services(JA) Specialty 0.25 1.13 ❑Prudential Global Real Estate(JK) Specialty 0.25 0.97 ❑Prudential Jenn Natural Resrcs(.JD) I Specialty 0.25 0.88 ❑Russell Commodity Strategy(1Q) Specialty 0.20 1.30 ❑Russell Global Real Estate Sec(PX) Specialty 0.20 1.11 Investment Option Revenue Expense Managed Asset Allocation Investment Type Sharing% Ratio % ❑AllianceBernstein 2010 Strat(7A) I Mgd Asset Allocation 0.25 I 0.64 ❑AllianceBernstein 2015 Strat(7C) Mgd Asset Allocation 0.25 o.68 ❑AllianceBernstein 2020 Strat(7E) Mgd Asset Allocation 0.25 0.72 ❑AllianceBernstein 2025 Strat(7G) Mgd Asset Allocation 0.25 0.74 ❑AllianceBernstein 2030 Strat(71) Mgd Asset Allocation 0.25 0.76 0 AllianceBernstein 2035 Strat(7K) Mgd Asset Allocation 0.25 0.76 ❑AllianceBernstein 2040 Strat(7M) Mgd Asset Allocation 0.25 0.76 ❑AllianceBernstein 2045 Strat(70) Mgd Asset Allocation 0.25 0.76 ❑AllianceBernstein 2050 Strat(7Q) Mgd Asset Allocation 0.25 0.76 ❑AllianceBernstein 2055 Strat(7S) Mgd Asset Allocation 0.25 0.76 Page 14 of zo 64A2 0S-025 Created 10/16/2012 City of Carmel 3 Offer Expires 12/18/2012 r Products and financial services provided by ONEAMERICA AMERICAN UNITED LIFE INSURANCE COMPANY"' I a OctAsiEwcA® company Investment Option Revenue Expense Managed Asset Allocation Investment Type Sharing% Ratio % ❑Allianz Global InvSolutns 2015(QK) Mgd Asset Allocation I 0.25 0.92 ❑Allianz Global InvSolutns 2020(QL) - Mgd Asset Allocation 0.25 0.94 ❑Allianz Global InvSolutns 2025(QM) Mgd Asset Allocation 0.25 0.96 ❑Allianz Global InvSolutns 2030(QN) I Mgd Asset Allocation 0.25 0.98 ❑Allianz Global InvSolutns 2035(QO) I Mgd Asset Allocation 0.25 1.01 ❑Allianz Global InvSolutns 2040(QP) I Mgd Asset Allocation 0.25 1.04 ❑Allianz Global InvSolutns 2045(QQ) Mgd Asset Allocation 0.25 1.05 ❑Allianz Global InvSolutns 2050(QR) Mgd Asset Allocation 0.25 1.05 ❑Allianz Global InvSolutns 2055(QS) Mgd Asset Allocation 0.25 1.05 17 Allianz.Global InvSolutns Rlnc(QT) Mgd Asset Allocation 0.25 0.90 17 AmCent LIVESTRONG 2015(ZO) Mgd Asset Allocation 0.35 0.78 17 AmCent LIVESTRONG 2020(ZP) Mgd Asset Allocation 0.35 0.81 17 AmCent LIVESTRONG 2025(ZQ) Mgd Asset Allocation 0.35 I 0.83 ❑AmCent LIVESTRONG 2030(ZR) Mgd Asset Allocation 0.35 o.86 ❑AmCent LIVESTRONG 2035(ZS) Mgd Asset Allocation 0.35 0.89 ❑AmCent LIVESTRONG 2040(ZT) Mgd Asset Allocation 0.35 0.92 ❑AmCent LIVESTRONG 2045(ZU) Mgd Asset Allocation 0.35 0.93 ❑AmCent LIVESTRONG 2050(ZV) Mgd Asset Allocation 0.35 0.95 ❑AmCent LIVESTRONG 2055(AF) Mgd Asset Allocation 0.35 0.98 ❑AmCent LIVESTRONG Income(ZW) Mgd Asset Allocation 0.35 0.75 ❑Fidelity Adv Freedom 2010®(K.3) Mgd Asset Allocation 0.35 o.86 ❑Fidelity Adv Freedom 2o15®(K4) I Mgd Asset Allocation 0.35 0.87 ❑ Fidelity Adv Freedom 2020®(K5) Mgd Asset Allocation 0.35 0.91 ❑ Fidelity Adv Freedom 2o25®(K6) Mgd Asset Allocation 0.35 0.96 o Fidelity Adv Freedom 2030®(1(7) Mgd Asset Allocation 0.35 0.98 ❑Fidelity Adv Freedom 2o35®(K8) Mgd Asset Allocation 0.35 1.02 0 Fidelity Adv Freedom 2o40®(K9) Mgd Asset Allocation 0.35 1.02 ❑Fidelity Adv Freedom 2045®(KA) Mgd Asset Allocation 0.35 1.03 ❑ Fidelity Adv Freedom 2050®(KB) Mgd Asset Allocation 0.35 I 1.04 ❑ Fidelity Adv Freedom 2055®(KN) Mgd Asset Allocation 0.35 I 1.04 ❑ Fidelity Adv Freedom Income®(KE) Mgd Asset Allocation I 0.35 0.72 ❑ Russell LifePoints®2015 Strat(PK) Mgd Asset Allocation I 0.20 I o.66 ❑ Russell LifePoints®2020 Strat(PL) Mgd Asset Allocation 0.20 0.70 ❑Russell LifePoints®2025 Strat(PM) Mgd Asset Allocation 0.20 0.76 ❑Russell LifePoints®2030 Strat(PN) Mgd Asset Allocation 0.20 0.81 ❑Russell LifePoints®2035 Strat(PO) Mgd Asset Allocation 0.20 0.84 ❑Russell LifePoints®2040 Strat(PP) I Mgd Asset Allocation 0.20 0.84 o Russell LifePoints®2045 Strat(PQ) Mgd Asset Allocation 0.20 0.84 ❑Russell LifePoints®2050 Strat(PR) Mgd Asset Allocation 0.20 0.84 ❑ Russell LifePoints®2055 Strat(IT) Mgd Asset Allocation 0.20 0.84 ❑Russell LifePoints®In Retirem(TV) Mgd Asset Allocation 0.20 0.63 ❑T Rowe Price Retirement 2005(UM) Mgd Asset Allocation 0.40 0.83 ❑T Rowe Price Retirement 2010(UN) Mgd Asset Allocation 0.40 o.86 ❑T Rowe Price Retirement 2015(TG) Mgd Asset Allocation 0.40 0.90 ❑T Rowe Price Retirement 2020(TI-I) Mgd Asset Allocation 0.40 0.94 ❑T Rowe Price Retirement 2025(TI) Mgd Asset Allocation 0.40 0.97 ❑T Rowe Price Retirement 2030(T.J) Mgd Asset Allocation 0.40 0.99 ❑T Rowe Price Retirement 2035(TK) Mgd Asset Allocation 0.40 1.01 ❑T Rowe Price Retirement 2040(TL) Mgd Asset Allocation 0.40 1.01 Page 15 of 20 64A2 08-025 Created 10/16/2012 City of Carmel 3 Offer Expires 12/18/2012 a C•N\ ERICA Products and financial services provided by AMERICAN UNITED LIFE INSURANCE COMPANY" a ONFAN]ERrcA® company Investment Allocation Revenue Expense Managed Asset Allocation Investment Type Sharing% Ratio% ❑T Rowe Price Retirement 2045(TM) Mgd Asset Allocation 0.40 1.01 ❑T Rowe Price Retirement 2050(TN) _ Mgd Asset Allocation 0.40 1.01 ❑T Rowe Price Retirement 2055(TO) Mgd Asset Allocation _ 0.40 1.01 ❑T Rowe Price Retirement Income(TP) Mgd Asset Allocation 0.40 0.81 ❑WTRISCJPM 2015 Fund(3B) Mgd Asset Allocation 0.25 0.31 ❑WTRISC JPM 2020 Fund(3D) Mgd Asset Allocation 0.25 0.33 ❑WTRISC JPM 2025 Fund(3F) Mgd Asset Allocation 0.25 0.31 ❑WTRISC JPM 2030 Fund(3H) Mgd Asset Allocation 0.25 0.32 ❑WTRISC JPM 2035 Fund(3J) Mgd Asset Allocation 0.25 0.31 ❑WTRISC JPM 2040 Fund(3L) Mgd Asset Allocation 0.25 0.35 ❑WTRISC JPM 2045 Fund(3N) Mgd Asset Allocation 0.25 0.33 ❑WTRISC JPM 2050 Fund(3P) Mgd Asset Allocation 0.25 0.51 ❑WTRISC JPM At Target Fund(0D) Mgd Asset Allocation 0.25 0.46 AUL and/or its affiliate, OneAmerica Securities, Inc. ("OAS") have contractual arrangements with the investment management companies that provide mutual funds or collective trusts that underlie the investment options offered by AUL in your group annuity contract. Pursuant to these arrangements,AUL and/or OAS receive revenue sharing payments from the investment management companies as compensation for providing plan participant recordkeeping, communication, marketing, distribution and other services to the investment management companies. These revenue sharing amounts consist of a portion of the expense ratio of the underlying mutual fund or collective trust investment and can take the form of 12b-1 fees, subtransfer agency fees, shareholder servicing fees or other types of fees. The amount of revenue sharing received by AUL and/or OAS varies from one underlying investment option to another and is shown on the investment chart above. Included in these revenue sharing amounts are those paid to OAS by OneAmerica Funds, Inc., an AUL and OAS affiliate. Page 16 of 20 64A2 OS-025 Created 10/16/2012 City of Carmel 3 Offer Expires 12/18/2012 AM RIc Products andfivancial services provided by AMERICAN UNITED LIFE INSURANCE COMPANY" a ONP'AMEMCA® company Exhibit C. Fee Schedule This document is intended to provide the Plan Sponsor and all Plan fiduciaries with the information necessary for them to make informed decisions about the services to be provided by AUL in connection with the referenced Plan and the cost of these services. In providing this information, this document will serve as the initial fee disclosure document required by the U.S. Department of Labor(DOL) regulation §255o.4o8b-2(c). An AUL group annuity contract(s) is the funding vehicle(s) for the Plan. This Contract includes the investment options selected in Exhibit B. AUL credits interest to amounts allocated to either the AUL Fixed Interest Account or AUL Stable Value Account investment options at interest rates determined and declared in advance by AUL.All such rates will be equal to or greater than any applicable minimum guaranteed interest rate.At all times amounts allocated to these options and all interest credited is fully guaranteed by AUL and backed by the assets of AUL's general account. Variable investment options are provided through investment accounts within an AUL separate account,which are supported by securities purchased as directed by the group annuity contractholder and/or Plan participants. In general these securities are shares of mutual funds and/or collective investment trusts that have been screened and selected by AUL to provide multiple options based upon different investment styles and objectives. In addition to providing the group annuity contract(s) as the funding vehicle(s)for the Plan,AUL will provide the services listed in Exhibit A. In compensation for its professional services in connection with providing the group annuity contract(s) as funding vehicle(s), providing recordkeeping and administrative services and the acquisition costs, compliance support, sales office expenses, overhead, sales commissions, annuity purchase rate guarantees, reasonable profit, and other related costs,AUL receives compensation from the following: - Direct charges: These are charges that are billed to the Plan Sponsor or deducted from participant accounts if properly authorized. Asset Charge: This charge is a stated percentage of the assets in the variable separate account investment options and may be collected by way of the calculation of the unit price of a separate account investment option. - Revenue Sharing: These are amounts received from the investment management companies that provide the mutual funds or collective trust investments that underlie the separate account investment option offered by AUL in the Contract. Fees for plan administrative, legal, accounting, and other services are paid by the Plan Sponsor. However,the Plan Sponsor may direct that these fees be assessed against participant accounts on a pro rata or per capita basis. Page 17 of 20 64A2 OS-o25 Created 10/16/2012 City of Carmel 3 Offer Expires 12/18/2012 Products and financial services provided by ONEAMERICA AMERICAN UNITED LIFE INSURANCE COMPANY' I a ONiAnrcR cAO company Direct Administrative Fees: Annual Admin Service Fee If total plan assets are in the range And if the average participant And if the average participant below account balance is: So-S19,999 account balance is: $20,000 + So-$999,999 $1,250 $1,250 $1,000,000 + $1,250 So The annual admin fee will be determined by the plan assets(excluding brokerage window assets,if ally)and the average participant balance at the end of the billing period. 1/4 of the fee shown will be assessed quarterly.For example,a$t,000 fee is assessed$250 each quarter. Per Participant Account Fee If total plan assets are in the range And if the average participant account And if the average participant account below balance is: $o-$19,999 balance is: 520,000+ So-$999,999 $20 _ $20 $1,000,000 + $20 $0 The per participant account fee will be determined by the average participant balance(excluding brokerage window assets,if any)at the end of the period. 1/4 of the fee shown will be assessed quarterly.For example,a $40 fee is assessed$to each quarter. Other Administrative Fees Fee Type Amount Description Installation $5oo If initial transferred assets are$1,000,000 or above,the fee is waived. Minimum Contribution $1.,000 An annual fee if contributions made for the Plan Year are less than $75,000 minus to%of the end of Plan Year Account Value. Contribution Census System Non-Usage $1.000 An annual fee - Administrative/Recordkeeping Work (ARW) $100 Optional Service,per hour Advanced Plan Compliance Work(APCW) $200 Optional Service,per hour Special Plan Sen•ices(SPS) $14200 Optional Service,per year or per event Direct Individual Participant Fees: Other Individual Participant Fees Fee Type Amount Description Distribution $40 Fee assessed at time of a full distribution Loan Initiation $75 Fee per loan is deducted from the participant's account at the time of distribution Loan Administration $24 Fee per loan is charged annually by deducting$6 from the participant's account at the end of each full Contract Quarter. QDRO Review Fee $250 Fee assessed per review Hardship Review Fee $35 Fee assessed per hardship distribution Page 18 of zo 64A2 05-025 Created 10/16/2012 City of Carmel 3 Offer Expires 12/18/2012 Ct\AME RICA Products and financial services provided by AMERICAN UNITED LIFE INSURANCE COMPANY® I a OtaEAainuc+® company Direct Contract Termination Fees(also may apply to Individual Participant Withdrawals): Other Contract Termination Fees Fee Type Amount Description Market Value Adjustment Variable Please consult a copy of the AUL Group Annuity Contract provided to the Plan Sponsor for more information. Test File Package $500 Refer to the AUL Glossary at http://www.oneamerica.com/investmentglossary Electronic Deconversion File $1,000 Refer to the AUL Glossary at http://www.oneamerica.eom/investmentglossary Package Investment Option Charge(IOC): The AUL portion of the IOC is calculated using the following asset charge. Asset Charge: 'The applicable rate based on the chart below can be found with the eSponsor website's investment performance information. Aggregate Month-End Plan Investment Aggregate Month-End Plan Investment Account Value(Minimum) Account Value(Maximum) Annual Charge Factor $0 $249,999 1.75% $250,000 $499,999 1.5o% $500,000 $749,999 1.05% $750,000 $999,999 0.75% $1,000,000 $1,999,999 o.5o% $2,000,000 $2,999,999 0.40% $3,000,000 $3,999,999 0.30% $4,000,000 $4,999,999 0.20% $5,000,000 $9,999,999 0.20% $10,000,000+ 0.20% Non-AUL Fees: In addition, the Plan Sponsor has authorized the collection of fees for other plan services providers from participant accounts. No portion of these fees will be retained by AUL.These fees are as follows: Other Plan Service Provider Fees Fee Type Amount Description A fee assessed to a participant account by an investment management company if shares of a particular mutual fund are purchased and sold within the minimum Redemption Fee Variable holding period determined by the investment management company.No portion of this fee will be retained by AUL.A detailed description of a redemption fee calculation can be found on eSponsor or Account Services(R-21389). Plan Sponsor Advice Plan Assets(Minimum) Plan Assets(Maximum) Fee $1 $499,999 $500 $500,000+ $o This fee will be based on total plan assets at the end of each plan year. Page 19 of 20 64A2 OS-o25 Created 10/16/2012 City of Carmel 3 Offer Expires 12/18/2012 • O\AM E RICA. Products and financial services provided by AMERICAN UNITED LIFE INSURANCE COMPANY® I aONxAnrcwcn company Exhibit D: Sales Compensation Disclosure As a Sales Producer for AUL, the Sales Producer is entitled to be compensated for selling and assisting in the servicing of the annuity contracts he/she has recommended to fund your Plan.The Sales Producer's association with AUL is limited to these sales and service functions. The rate of compensation payable to the undersigned Sales Producer in the first and renewal years is as follows: 1. Contract Type(s): The contract type is a group annuity. 2. Commissions (as a Level Percentage of Deposits): First-Year Commission: o.00% Renewal Service Fee: o.00% Service Fee on Transfers: First 85 million o.00% Over $5 million o.00% Asset Trailer/Retention Bonus: Will be paid monthly at 1/12 of an annual rate of 0.25% (0.0025) times this applied-for contract's fund balance each month end commencing in year one. Page 20 of 20 64A2 OS-o25 Created 10/16/2012 City of Carmel 3 Offer Expires 12/18/2012 i 1 RESOLUTION NO. BPW 11-21-12-05 RESOLUTION OF THE CITY OF CARMEL BOARD OF PUBLIC WORKS AND SAFETY RATIFYING MAYORAL SIGNATURE ON CONTRACT WHEREAS, the executive officer of a municipality has the right and authority under Indiana law to enter into contracts on behalf of the municipal corporation; and WHEREAS. due to the exigencies of time, City of Carmel Mayor James Brainard executed certain contracts with AUL Retirement Services ("Contract"), attached and incorporated herein as Exhibit "A"; and WHEREAS, the City of Carmel Board of Public Works and Safety now desires to ratify the above actions of Mayor Brainard and to adopt the same as an act of the Board. NOW, THEREFORE, BE IT RESOLVED by the Board of Public Works and Safety of the City of Carmel, Indiana, that: 1. The foregoing Recitals are incorporated herein by this reference. 2. The actions of Mayor James Brainard in executing the Contract are hereby ratified and such actions are hereby approved and adopted by the Board as its own. Approved and adopted this day of (D ✓ , 20b-gr 2012. CITY OF CARMEL, INDIANA By and through its Board of Public Works and Safety BY: J es Brainard, Presidin' Officer Date: Lori S Wats• ;Me be Date: // �t Mary A Burk— 0U — /D er Date: I/ ATTEST: ISO \,L / �..na Cordray, [AMC. Cler -Treasurer Date: /I