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Retirement

401k Plans (ABA Retirement Funds):

ABA

ABA Retirement Funds provides 401k plans for law firms, large and small.

Does your retirement plan offer no out-of-pocket expenses, professional fiduciary services, a broad range of investment options, and full-service administration? Ours does! The ABA Retirement Funds Program (the "Program") has been providing affordable 401(k) plans exclusively to the legal community for 49 years. The Program's bundled approach allows your firm to keep its focus on the success of the practice. We provide you with trustee, record keeping, tax reporting, compliance testing, investment management, and participant communication services - all from a single source - at no additional cost to your firm. Maybe it's time to find out what's inside your 401(k). Call us at 866-812-3580 for a free consultation or visit www.abaretirement.com for more information and a prospectus.

IRA Plans (Oppenheimer Funds):

Contribute to an Individual Retirement Account (IRA), through a special arrangement with Oppenheimer-Funds. In addition, purchase class N Shares of various Oppenheimer Funds.

If you are interested in contributing to an Individual Retirement Account (IRA), the SBW through a special arrangement with OppenheimerFunds, has arranged for its members and their employees to purchase class N Shares of various Oppenheimer Funds. This arrangement allows you to invest in these funds without the usual front-end sales charge.

For information on the OppenheimerFunds IRA accounts, please contact Ralph D. Bultman of Bultman Financial Services, Inc., at (800) 344-7040.

For more complete information about any of the Oppenheimer Funds, including charges and expenses, please call Ralph D. Bultman for a prospectus. Please read it carefully before you invest or spend money.

Securities offered through MML Investors Services Inc. Supervisory Office: 8020 Excelsior Drive, Suite 100, Madison, WI 53717, (800) 779-6277.

Bultman Financial Services, Inc. is not a subsidiary or affiliate of MML Investors Services Inc