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ABOUT ACGI & PBG

Advanced Consulting Group, Inc. (ACGI) is a fully independent Plan Administration firm
associated with Pro Benefits Group, Inc., located in Hot Springs, AR. As Plan Administrator
for your School District, we are providing this booklet for the benefit of all employees trying to
build and complete their retirement plan utilizing the tax shelters under Section 403(b) and
Section 457(b) of the Internal Revenue Code. It is very important that you understand the
basics of each type plan offered and how to participate. The rules regarding distributions,
whether in-service or post-employment, are vitally important in your planning for a secure
retirement.

Advanced Consulting Group, Inc. (ACGI)
P. O. Box 940
Hot Springs, AR 71902
Local Phone: 1-501-622-6808
Toll Free: 1-877-882-2244
Fax: 1-877-695-4104
Website: https://www.acgiserve.com/

Pro Benefits Group, Inc. (PBG) is the parent corporation of ACGI. Though completely
autonomous from each other, each focuses on the same service attitude with respect to the
education community. Pro Benefits Group, Inc. is endorsed by the Arkansas Association of
Education Administrators for retirement planning.

Pro Benefits Group, Inc. (PBG)
245 Hobson Ave.
Hot Springs, AR 71913
Local Phone: 1-501-321-0457
Toll Free: 1-800-264-1569
Fax: 1-501-321-0974
Website: http://www.pbfsi.com/

This guide is not intended to replace legal counsel or tax advisors. ACGI does not
give specific tax advice, legal counsel or other accounting advice. In the event you
require the services of a competent professional in legal and tax matters, you should
seek an individual licensed for such advice.