If offered to contribute $50 to your 401(k)…

Would you take it?

Proprietary and Confidential, SaveAmerica LLC

Why SaverNation

Americans can’t afford to save for retirement*

• 27% say they have less than $1,000 in savings• 54% say they have less than $25,000 in total savings and

investments• National Savings rate has been near 0% for 30+ years• Only 10% in any income strata contribute the annual

maximum

For 30 years, the retirement industry has attempted to change people’s saving and spending behavior.

* 2010 EBRI Databook on Employee Benefits Why nothing has worked:

People don’t have enough money to save more

Hard to change people’s behavior

75% of respondents say

The #1 reason they don't save more:

They can't afford to

EBRI's annualRetirement Confidence Survey

12

The 401(k) system has been a dud for the vast majority of Americans, with women, young people and minorities among the broad groups whose financial well-being is at risk because they’re not saving enough.

For middle-income earners, the median balance in 401(k) plans as of 2010 was a lowly $23,000, according to the study.

The SaverNation Program is Patent PendingProprietary and Confidential, SaveAmerica LLC

Proprietary and Confidential, SaveAmerica LLC

Cash Back for Retirement with Every Purchase

Online Shopping Program

Credit Card

Program

PayrollSaverNation Technology Platform

401(k)

IRA

The SaverNation Program is Patent PendingProprietary and Confidential, SaveAmerica LLC

$4,000 gross income

-$200 401(k) contribution

$3,800 adjusted gross

-$950 taxes (25% rate)

$2,850 available cash

$200 401(k) savings

$4,000 gross income

$3,650 adjusted gross-$913 taxes (25% rate)

$2,737 take-home pay

+$150 extra in checking acct.

$2,887available cash

$350 401(k) savings

-$200 401(k) contribution

$2,850 take-home pay

-$150 SN 401(k) contribution

+$150 cash back from online purchasesdeposited into checking account

More Savings and More Cash

Paycheck Before SaverNation

Cash Back Earned with SaverNation

Paycheck withSaverNation

How the average person can increase their retirement savings with

sssssssssssSavings Before

Savings After

Amount people currently have saved in their retirement plan1

Potential additional contributions from cash back rewards using SaverNation2

Total amount people could save for retirement using SaverNation

$71,500

$130,913

$202,4131 The average 401(k) account balance per Fidelity Investments, February 23, 20112 Assumes average monthly SaverNation purchases of $500 at a 5% reward level, 8% annual return, and 50% match over 40 years

The SaverNation Program is Patent PendingProprietary and Confidential, SaveAmerica LLC

The SaverNation Program is Patent PendingProprietary and Confidential, SaveAmerica LLC

SaverNation Benefits

• No costs to the plan, employer or participants

• Increases participation and contribution rates

• Works with all plans

• Can help plan’s ADP testing

The SaverNation Program is Patent PendingProprietary and Confidential, SaveAmerica LLC

The SaverNation Program is Patent PendingProprietary and Confidential, SaveAmerica LLC

The SaverNation Program is Patent PendingProprietary and Confidential, SaveAmerica LLC

The ProgramCash back for your 401(k) with every purchase

Christy Noelchristy@savernation.org(424) 223-5153 The SaverNation Program is Patent Pending