David R. Bell. Edward C. Bernard. Barbara Bittick. Jerome A. Clark, CFA

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1 David R. Bell Dave Bell is a vice president of T. Rowe Price Group, Inc., and a vice president and senior retirement sales executive for T. Rowe Price Retirement Plan Services, Inc. Dave is responsible for large-market defined contribution sales. Prior to joining the firm in 1995 and becoming a senior retirement sales executive, he was a retirement plan specialist in our national plan market. He earned a B.A. in political science from McDaniel College and an M.B.A. in investment management from Johns Hopkins University. Dave is a Series 7 and 63 registered representative. Edward C. Bernard Ed Bernard is vice chairman of the Board of Directors of T. Rowe Price Group, Inc., a member of the firm s Management Committee, and chairman of the T. Rowe Price Mutual Funds. He oversees the firm s distribution, client service, technology, and communications activities. Ed serves on the Board of Governors and the Executive Committee of the Investment Company Institute, the national trade association for the mutual fund industry. Ed earned his B.A. from Brown University and M.B.A. from New York University. Barbara Bittick Barbara Bittick is a client administrator for T. Rowe Price Retirement Plan Services, Inc. She has been with T. Rowe Price for over two years. Prior to joining the Client team in 2009, Barbara was a transaction representative responsible for national accounts. She earned a B.A. in media marketing and administration from the University of Maryland, Baltimore County. Jerome A. Clark, CFA Jerome Clark is a vice president of T. Rowe Price Group, Inc., T. Rowe Price Associates, Inc., and a portfolio manager in the Asset Allocation Group. He manages the Program for Charitable Giving portfolios, College Savings Plan portfolios, and the T. Rowe Price Retirement Funds. Jerome is a vice president of the Personal Strategy Funds and an Investment Advisory Committee member of the Spectrum Funds. He is also a member of the Asset

2 Allocation Committee. Prior to joining the firm in 1992, Jerome was a Captain in the United States Marine Corps and spent three years as a mathematics instructor at the U.S. Naval Academy. He earned a B.S. in mathematics from the U.S. Naval Academy, an M.S. in operations research from the Naval Postgraduate School, and an M.B.A. in finance from Johns Hopkins University. Jerome has also achieved the Chartered Financial Analyst accreditation. Kevin L. Collins Kevin Collins is head of client services in T. Rowe Price Retirement Plan Services, Inc., and is also a vice president of T. Rowe Price Group, Inc. Prior to assuming his current position in 2008, he was chief administrative officer for T. Rowe Price Global Investment Services, the division responsible for the firm s institutional business worldwide, and T. Rowe Price Global Asset Management, the investment management organization responsible for assets sourced in Japan. Kevin earned a B.S. in accounting from the University of Scranton and an M.B.A. from the University of Maryland. Adam Crowley Adam Crowley is a retirement plan coordinator in the Client Administration division of T. Rowe Price Retirement Plan Services. Prior to his current position, Adam worked in the Retail Investment Services department working with individual shareholders. Adam has a B.A. in business economics from SUNY Oneonta University. Adam is a Series 6 and 63 registered representative. Adam joined T. Rowe Price in Cynthia Egan Cynthia Egan is president of T. Rowe Price Retirement Plan Services, Inc. Prior to joining the firm, Cynthia was executive vice president at Fidelity Investments, where she led corporate initiatives to evaluate and address the firm s global retirement service practices, in addition to recent efforts focusing on innovation. She comes to T. Rowe Price with broad experience as a general manager and senior leader, as well as deep experience in retirement services. After joining Fidelity in 1989, Cynthia served in a number of leadership roles as Fidelity built its defined contribution business during the 1990s. From 1998 to 2003, she was president of the Fidelity Charitable Gift Fund, which, under her leadership, became the nation s second largest public charity. She then returned to the retirement arena to lead company-wide initiatives focused on employee and retiree savings strategies, including Fidelity Retirement Income Advantage. The launch of this service earned her Institutional Investor s Fund Marketer of the Year for Cynthia s experience prior to Fidelity includes retirement services at Banker s Trust and the financial services consulting practice of KPMG. She is a graduate and now a trustee of Boston College.

3 Jean L. Fisher Jean Fisher is an assistant vice president and relationship manager of T. Rowe Price Retirement Plan Services, Inc. Jean joined the firm in 1990 as a shareholder services representative, moved on to serve as a client administration manager, and then as a group manager in T. Rowe Price Retirement Plan Services, Inc. She earned her degree from the University of Maryland, College Park. She is a Series 6, 7, and 63 registered representative and successfully passed the American Society of Pension Professionals & Actuaries (ASPPA) Pension Administration Exam. Susan M. Fritz Susan Fritz is an assistant vice president of T. Rowe Price Retirement Plan Services, Inc., and T. Rowe Price Trust Company. She is a new business account lead manager in the New Business Development Group. Prior to joining the firm in 1996, she worked for NationsBank in their Employee Benefits Department for seven years. She earned a B.S. in business administration/finance from Clarion University of Pennsylvania. John A. Galateria John Galateria is a vice president of T. Rowe Price Group, Inc., and T. Rowe Price Retirement Plan Services, Inc. He is head of Retirement Plan Sales with responsibility for defined contribution plan business development. Prior to joining the firm in 1992, John was a regional vice president for Great-West Life in their 457/403(b) markets. John has 20 years of experience in the defined contribution plan industry. He earned a B.A. from the University of Richmond. Howard P. Heller Howard Heller is a senior ERISA compliance analyst in Compliance Services for T. Rowe Price Retirement Plan Services, Inc. Howard s responsibilities include performing nondiscrimination testing, consulting with clients concerning legislative and regulatory plan compliance, and analyzing effects of new legislation and regulation on plan design and operation. Prior to joining the firm in 1998, Howard worked for the Securities and Exchange Commission in the Division of Enforcement. He earned a B.A. in economics from the University of Southern California and a J.D. from the Tulane University School of Law. Howard is a member of the Bar in the District of Columbia and Connecticut. He also has attained the professional designation of Qualified 401(k) Administrator (QKA).

4 Terence P. Howard Terry Howard is a vice president of T. Rowe Price Group, Inc., and a vice president and regional sales manager for T. Rowe Price Retirement Plan Services, Inc. Prior to his current position, he was a client manager in the Personal Services Group working with our high net worth clients. Terry joined the firm in He earned a B.S. in marketing from Messiah College and an M.B.A. from Loyola College of Baltimore, Maryland. In addition to obtaining the Chartered Mutual Funds Counselor designation, he is a Series 6, 7, and 63 registered representative and a Series 65 registered investment advisor. Matthew D. Johnson Matt Johnson is an assistant vice president and communications manager for T. Rowe Price Retirement Plan Services, Inc. His primary role is to work with plan sponsors as a strategic partner to develop goals and effective solutions for educating employees on their employersponsored retirement plan. He also manages a team of communication consultants. Matt joined the firm in Matt graduated from Villa Julie College with a B.S. in business communications and received his M.B.A. in management from Loyola College of Maryland. He is a Series 6 registered representative. Wyatt A. Lee, CFA Wyatt Lee is a vice president of T. Rowe Price Associates, Inc. and is an investment analyst in the Asset Allocation Group. Previously, Wyatt was based in T. Rowe Price s London office and was responsible for developing a portfolio and performance analysis function to focus on non-u.s. equity strategies. He has also managed a team of investment performance analysts in the Equity Division. Prior to joining the firm in 1999, he was a research analyst for Summit Strategies Group, an institutional investment consultant. He earned a B.Sc. in mathematics and political science, cum laude, from Vanderbilt University and an M.B.A. in finance from the Olin School of Business at Washington University, where he was a Charles F. Knight Scholar. Wyatt has also achieved the Chartered Financial Analyst accreditation. Francisco J. Negrón Francisco Negrón is a vice president of T. Rowe Price Group, Inc., and T. Rowe Price Trust Company, and a vice president and regional relationship manager of T. Rowe Price Retirement Plan Services, Inc. Francisco joined the firm in Prior to working in Client Services, he was a business unit manager in Client Administration. Francisco earned a B.S. in business administration from Houghton College and is a Series 6 registered representative.

5 Kimberly O Connor Kimberly O Connor is a vice president of T. Rowe Price Retirement Plan Services and is currently the director of Retirement Plan Services Control and Service Support. She joined the firm in Kimberly earned a B.S. in business administration from Villa Julie College and is a Series 7 registered representative. Kimberly has successfully passed the American Society of Pension Actuaries (ASPA) Pension Administration Exam. Kimberly also received the Management Excellence Award from T. Rowe Price in 2002 and 2003, as well as the Service Excellence Achievement Award in 2004, 2005, and Lucas Schroeder Luke is a client administration manager for T. Rowe Price Retirement Plan Services, Inc. He joined the firm in August 2000, and during his five years as a plan coordinator, he served as the primary contact for several employer-sponsored qualified and nonqualified retirement plans. In February 2006, Luke was promoted to a supervisor position in the T. Rowe Price Participant Service Center and was later promoted to client administration manager in March Luke graduated with a B.A. in business administration from Elon University. He is a Series 7 registered representative. David W. Streissguth David Streissguth is a senior compliance analyst in Compliance Services for T. Rowe Price Retirement Plan Services, Inc. His responsibilities include performing nondiscrimination testing, consulting with clients concerning legislative and regulatory plan compliance, and analyzing the effects of new legislation on plan design and operation. Dave joined the firm in Prior to joining Compliance Services in 2003, he was a plan coordinator in RPS Operations. Dave earned a B.B.A. in finance from James Madison University. He has attained the Certified Pension Consultant (CPC), the Qualified 401(k) Administrator (QKA), and the Qualified Pension Administrator (QPA) designations from the American Society of Pension Professionals and Actuaries. Daniel Vaira Dan Vaira is a retirement plan coordinator for T. Rowe Price Retirement Plan Services, Inc., and has been with T. Rowe Price since April He is familiar with all aspects of plan administration within T. Rowe Price and has worked in the retirement plan administration area during his entire tenure with the firm. Dan has been a primary or secondary contact for a number of national plans and has worked with the Smurfit-Stone Container Corporation Savings Plan since April Prior to joining the firm, he worked for The Community Bank

6 of Tri-County in Waldorf, Maryland, for one year in the Customer Service department. Dan earned a B.A. in economics from the University of Maryland in 2004 and is currently pursuing an M.B.A. in finance from Loyola College in Maryland. Theresa M. Vondersmith Theresa Vondersmith is a vice president of T. Rowe Price Trust Company and T. Rowe Price Retirement Plan Services, Inc. She is the transactions director for RPS Operations. Theresa joined the firm in She earned a B.A. in business administration and marketing from Towson State University. Carol E. Waddell Carol Waddell is a vice president of T. Rowe Price Group, Inc., and a vice president and director of Product Development & Marketing Technology for T. Rowe Price Retirement Plan Services, Inc. In this role, she is responsible for participant research and development initiatives, including automated solutions, financial literacy and education, technology, personalization, investment advice, retirement income initiatives, and rollovers. She also serves on the T. Rowe Price Community Relations Board and is president of the Board of The Children s Home, a nonprofit serving Maryland s abused, neglected, and abandoned children. Prior to joining the firm in 1994, Carol was an assistant vice president of Marketing at Citibank. Carol earned a B.S. from Towson University and an M.B.A. from Loyola College in Baltimore, Maryland. Carol is a series 63 registered representative

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