Cowden Associates, Inc.'s (Cowden) Investment Selection and Monitoring Procedure

• Development or Review of Investment Policy Statement
• Detailed Investment Selection Process
• Open Architecture Makes Nearly All Fund Families Available
• Quarterly Monitoring Report Capability

Cowden’s Plan Fiduciary Review

• Based Upon 27 Prudent Investment Practices Developed by the Foundation for Fiduciary Studies
• Continuous Fiduciary Education and Information
• Objective and Unbiased