


| Benefits Administrators & Consultants Columbine Employee Benefits, Inc. & Colorado Benefits Outsourcing, Inc |
| Columbine Employee Benefits, Inc. a Colorado Corporation, does business as Benefits Administrators & Consultants. Additionally, we are Colorado Benefits Outsourcing, LLC. We provide as CBO complete plan administration, consulting and marketing services to other service providers in our industry. Each of our consultants and administrators have 20 years of industry experience. Our combined experts, consultants and actuaries have over 100 years of experience in retirement plans and the pension industry. We are not licensed investment advisors or brokers. We are not compensated by commission on any product. Our goal is to work with your financial experts to establish and maintain the best benefit plan for you and your employees. We are not tied to one investment company, and have the flexibility to provide record keeping on any investment product your advisor recommends. |

| Emily Strunk has been in the Employee Benefits Industry for two decades. She is a member of ASPPA and the Western Benefits Conference. She has been working with employers across the nation to provide excellent benefits for companies and their employees for almost two decades. Emily's career experience includes designing, consulting and administration for daily valuation plans, multi-employer plans, cash balance defined benefit plans, 412(i) plans and traditional profit sharing 401(k) plans for companies from one employee to 32,000 employees. Emily served as a Senior Manager at Merrill Lynch in the Retirement Services Group, Institutional Market. |
| Jim Stone joins BAC after over a decade of service to the College for Financial Planning as the Professor in Employee Benefits & Retirement Plans. His career spans over 30 years and he is an expert in the industry. Jim is a former owner of a Third Party Administration firm and a Broker Dealer. MS - American College ~ ChFC, CLU ~ American College ~ BA - University of Colorado |

