FRINGE BENEFIT ADMINISTRATORS, LTD (FBA), formed in 1972, is an independent, full-service retirement benefit
firm providing companies and advisors with "one-stop" assistance for retirement plan administration,
plan design, and consulting services. FBA was acquired by Lincoln Trust, a leading provider of trust, custodial
and recordkeeping services. By coupling our services with Lincoln Trust, we have made it easier for participants
to reach the ultimate objective: Retirement success!