Plan Investing: Schwab Brokerage PCRA® Venue

Dechert-Hampe & Company Employees Savings and Profit Sharing Plan

Schwab's Personal Choice Retirement Account® (PCRA®) is a self-directed brokerage account offered through Charles Schwab & Co., Inc. With the Schwab PCRA®, you can build a portfolio from a wide selection of mutual funds offered by various investment companies. You also may invest in individual securities (e.g., stocks, bonds, CD's) through the Schwab PCRA®.

However, though the Plan assesses no additional administrative fee (over and above the 0.075% per quarter administrative fee charged on ALL Plan account balances) for you to initiate or maintain a PCRA® in your Plan account, you are responsible for all costs incurred within your PCRA® including but not limited to transaction fees, commissions, fund redemption fees, etc. Also, transfers you request back to your Vanguard Funds Venue account incur a $20 wire transfer fee that's deducted from your Schwab account and paid to Schwab. In short, be sure to consider all aspects of investing your Plan account in a Schwab PCRA®. Though they offer substantial flexibility, a PCRA® is not the most appropriate investing venue for every participant. Please do yourself a favor and read this section in full before you decide to open a Schwab PCRA® in the Plan.

Participants in the Dechert-Hampe & Co Employees Savings and Profit Sharing Plan may open a Schwab PCRA® by coordinating their request with the Plan's Third-Party Plan Administrator, Compensation & Capital Administrative Services, Inc. ([email protected]).

There are two ways to deposit money into your Schwab PCRA®:

• Automatic payroll contributions - you can contribute money (your bi-weekly payroll 401(k) salary deferral, rollover or annual profit sharing contributions from DHC/MWC) to your Schwab PCRA®.
• Venue Transfers - you can transfer money into your Schwab PCRA® from your Vanguard Funds Venue balance.

If you open a Schwab PCRA®, all money that is transferred from a Vanguard Plan Investing Venue account to your Schwab PCRA passes through the Schwab Money Market Fund in your PCRA, which is set up when we open your Schwab PCRA®.

The mutual funds offered through the PCRA® are managed by professional investment managers engaged by the investment companies that distribute any mutual funds you purchase. However, it is up to you or your personal investment advisor to choose and monitor the appropriate investments for your personal situation and retirement strategy.

If you are considering the Schwab PCRA® first ask yourself these questions to determine if a Schwab PCRA® is right for you:

• Is my Plan account balance at least $1,000? (Minimum initial purchase for any mutual fund in the Schwab Funds Network.)
• Am I looking for investment options other than those offered under the Plan's Vanguard Mutual Funds Venue fund alternatives?
• Do I have the time and interest to play an active role in managing my savings, such as researching, selecting, and monitoring my investment fund options and individual securities selections?
• Am I willing to incur additional costs in return for a broader range of investment choices?

If you answered "yes" to these questions, you should further investigate opening a Schwab PCRA by thoroughly reading these materials:

• Schwab PCRA® Highlights Brochure
• Schwab PCRA® Welcome Kit

If you answered "no" to most of these questions, you may want to further explore the Plan's Vanguard Funds Venue of mutual fund alternatives.

Plan participants with Schwab PCRA®'s can speak with a Schwab representative knowledgeable about Schwab PCRA®'s during normal business hours (9am to 7:30pm ET) by calling Schwab's PCRA® "Hotline" 888-393-7272. They can also access the Schwab.com website log-in page here.