The Internet is changing the way we live our lives–we use it to pay bills, make reservations and continue our education. Now, your employees can use it to help plan their financial future. On-Site, our suite of integrated financial planning tools will help your employees manage their financial objectives by using the calculators described below.*

Retirement Planning Analyzer—helps the user assess his or her current financial situation and formulate an effective plan to help meet retirement goals. The Retirement Analyzer will help users estimate:

• How much they may need to save
• When they may be able to retire
• What their income may be during their retirement years

Asset Allocation Analyzer—provides a suggested Asset Allocation based on the user's goals, risk tolerance and time horizon. The Asset Allocation Analyzer will help users:

• Understand the concept of asset allocation and its importance
• Develop a long-term investment approach
• Determine the amount which should be invested in each asset class

Education Funding Analyzer—projects future educational costs and analyzes savings requirements. To provide more realistic results, the estimated costs of nearly 3,000 public and private institutions are included. The Education Funding Analyzer will help users:

• Assess potential education costs
• Estimate the amount of monthly, annual or lump-sum savings needed to help meet these costs

Stock Option Analyzer—helps employees gain insight as to the value of options granted to them by their employer. With the Stock Option Analyzer, employees can:

• Model different stock option exercise methods
• Calculate potential proceeds resulting from an exercise
• Estimate the potential tax impact of the option exercise

Education Center—On-Site is more than just a series of analyzers. The Education Center provides definitions and explanations on an array of investment and financial topics, including specific strategies such as:

• Seven Steps to Retirement Planning Success
• Managing Your Retirement Savings Account
• Using Asset Allocation to Diversify Your Investments
• Understanding Key Estate Tax Provisions
• How to Prepare or Update your Will
• Types of Education Savings Accounts

This suite of online calculators will help employees of all ages address and plan for most of life's financial and investment hurdles. On-Site is accessible through our web site for corporate employee benefit plans at www.benefitaccess.com.

* The results of each calculator are hypothetical and depend entirely on the information supplied by the user and the user's underlying assumptions.