A New Beginning

1. A New Beginning Hector Palacios SageView Advisory Group

2. Agenda • The current market environment • Plan highlights • 3 steps to retirement planning • Asset allocation • Understand the Plan’s investment options • Put it all together • Get going!

3. The Perfect Storm: A Credit and Economic Crisis Financial Crisis Liquidity Crisis Housing Crisis -Issue of sub-prime mortgage obligations -Investment Banks (Lehman, Merrill, AIG) invest heavily in Mortgage Backed Securitys (MBSs) -Ever increasing excess housing inventory leads to -Housing price decline -Changes in ability to re-finance -Homeowner equity plummets. Home owners owe more than homes are worth. Variable Mortgage rates kick in. -Bank issued mortgages default at much higher rate than anticipated -MBSs lose significant value resulting in -Investment Bank losses in the billions -Investment Bank capital declines dramatically leads to -Investment Bank Failure -Significant Investment Bank losses leads to -Banks reluctant or unable to lend resulting in -Loss of liquidity in markets -Severe confidence crisis -Extreme volatility in markets -Government rescue plan created Loss of $1.9 Trillion of investor retirement savings as of October 20081 1 Loss of a total $1.9 trillion in assets in the year between October 9, 2007 and October 9, 2008, according to the Center for Retirement Research at Boston College.

4. The Fallout • Financial services’ names have disappeared • Lehman Brothers – Bankrupt • Merrill Lynch – Fire sale to Bank of America • Bear Stearns – Fire sale to JP Morgan • Decline of consumer US & global markets confidence • Extreme market volatility • Implementation of $700b rescue plan by the Fed & US Treasury

5. Weathering the Storm To see your way through uncertain market conditions: • Stay focused on what the market has done in the past to maintain perspective • Stay invested and maintain a strategy for your long-term savings • Stay informed and get personalized guidance • Stay diversified among different asset classes

6. Review of Your Everett Charles Technologies 401(k) Retirement Savings Plan features *Highly Compensated Employees (HCEs) are limited to contributing up to a maximum of 12%. ** Employees age 50 or over can contribute an additional $5,000 in 2008 Plan highlights are created by ADP Inc. Retirement Services Division. Neither DWS Investments Distributors Inc. nor any of its affiliates are responsible for the content. Except as otherwise specifically noted herein. ADP, Inc. is not responsible for the remainder of the context of this presentation. • Automatic Enrollment • At 4% of eligible compensation after completion of one month of service. • Automatically increase annually by 1% until your salary deferral reaches 12% • Automatic elections are invested in a T. Rowe Price Retirement Date Fund based on your date of birth. • Contributions • 1% to 99% of your eligible compensation* • Contributions can be made up to the IRS limits**

7. Review of Your Everett Charles Technologies 401(k) Retirement Savings Plan features Plan highlights are created by ADP Inc. Retirement Services Division. Neither DWS Investments Distributors Inc. nor any of its affiliates are responsible for the content. Except as otherwise specifically noted herein. ADP, Inc. is not responsible for the remainder of the context of this presentation. • Company matching contributions • The contribution amount is a discretionary amount that is determined by ECT for each plan year. • Vesting • Immediately 100% vested in all your own contribution (e.g., salary deferral) accounts. • The vesting schedule for company matching contribution accounts is: Vesting Years 1 2 3 4 5 % of Ownership 20% 40% 60% 80% 100% Plan loans and withdrawals are available

8. Your Retirement Future The Way You Want It I T ’ S A S E A S Y A S 1 Set goals 2 Create a plan 3 Invest for retirement

9. 1. Set Goals • What’s your plan for retirement? • Taking an exotic vacation • Learning a new skill • Spending time with family • Starting a new career • Learning Tool: • Go to www.dwsretire.com • Click on the article, Make the Most of Your 401(k), This article will help you understand the basic features of 401(k) plans and discover the importance of saving toward your retirement.

10. 1. Set Goals • Factor inflation into your plan for retirement • If inflation decreases the value of a dollar by 3% per year over the next 30 years, consider the cost of some common items in 2039: Source: National Coffee Association, National Coffee Drinking Trends, National Association of Theatre Owners, Bureau of Labor Statistics, US Postal Service andStandard & Poor’s Financial Communications, 2006 and 2007. The average rate of inflation is 3% over the past 20 years.

11. 2. Create A Plan Sources of retirement income Sources: ChartSource, Standard & Poor's Financial Communications. Data is from Fast Facts & Figures About Social Security, published by the Social Security Administration, September 2008. (CS000123)

12. 2. Create A Plan • The advantages of starting early This hypothetical illustration does not represent an investment in any particular option. It assumes that both individuals earn an 8% annual return. Actual rates of return cannot be predicted and will fluctuate. Your returns may be more or less. Of course, the retirement values will be taxed when Michelle and Joe begin taking distributions.

13. 3. Invest For Retirement • Participating in a tax-deferred retirement plan • Contributions can be made before taxes are taken out of your paycheck • This reduces the current amount of taxes you pay on your income, since you’re paying taxes on a smaller amount of money • You pay no taxes on the money you contribute or any gains until you withdraw it from the retirement plan • Retirement assets will be taxed upon withdrawal and there may be a 10% IRS penalty for withdrawals made prior to age 59½ • You may be eligible to take a tax credit (a.k.a. the Saver’s Credit)1 1Source: Internal Revenue Service, www.irs.gov. This information is not intended to provide tax or legal advice and should not be relied upon as such. Any specific tax or legal questions concerning the matters described in this slide should be discussed with your tax or legal advisor. Neither DWS Retirement Services nor ADP, Inc. gives tax or legal advice.

14. 3. Invest For Retirement • The power of tax-deferred compounding Assumes a 25% federal tax bracket, a constant 8% annual return, a $1,200 annual investment in a tax-deferred retirement plan (before taxes) and a $1,200 annual investment in a comparable taxable savings plan. This illustration is hypothetical and does not represent the performance of any particular investment. Investing entails risks, including the possible loss of your principal. Actual returns cannot be predicted and will fluctuate in response to changing market conditions. Your results may be more or less. Retirement assets will be taxed eventually (upon withdrawal), and there may be a 10% federal tax penalty for withdrawals made prior to age 59½. This example assumes federal income tax only. • Participating in a taxable savings plan • Participating in a tax-deferred retirement plan

15. 3. Invest For Retirement • Understanding mutual funds • A mutual fund is a professionally managed pool of money that may invest in a variety of financial instruments, including stocks, bonds and stable value products based on its stated investment objective • Offers immediate diversification1 Low risk Medium risk High risk Bond Balanced Stock Stable Value International Medium return Low return High return 1Diversification does not eliminate the risk of potential loss or guarantee a gain.

16. 3. Invest For Retirement • Major market environments, average annual total returns 1926 - 2008 This chart compares the annualized total returns of stocks, bonds, and cash and inflation, through December 31, 2008, over the past 5-, 10-, and 20-year periods and since 1926. Stable Value Source: ChartSource, Standard & Poor's Financial Communications. Stocks are represented by the total returns of Standard & Poor's Composite Index of 500 Stocks, an unmanaged index that is generally considered representative of the U.S. stock market. Bonds are represented by the total returns of the composite of long-term government bonds (10+ years), constructed from yields published by the Federal Reserve, and the Barclays Long-Term Government Bond index. Cash is represented by the composite of the yield of 3-month Treasury bills published by Federal Reserve and the total return of the Barclays 3-Month Treasury Bill index. Inflation is represented by the change in the Consumer Price Index. Note that prior to November 2008, the Barclays indexes were calculated by Lehman Brothers. Past performance is not a guarantee of future results. (CS000031)

17. 3. Invest For Retirement • Long-term investors have been rewarded despite short-term ups-and-downs • Growth of an assumed $1,000 investment in the S&P 500 Index (12/31/50 to 12/31/08) $487,044 +63% 8/98 to 8/00 +98% 9/02 to 12/07 (In thousands) +355% 10/90 to 6/98 -37% 12/07 to 12/08 -45% 8/00 to 9/02 +72% 11/87 to 5/90 -15% 6/98 to 8/98 +280% 7/82 to 8/87 -15% 5/90 to 10/90 -30% 8/87 to 11/87 +196% 9/74 to 11/80 +76% 9/70 to 12/72 +52% 9/68 to 11/68 +90% 6/62 to 1/66 -17% 11/80 to 7/82 $10 +105% 12/57 to 12/61 -43% 12/72 to 9/74 -29% 11/68 to 6/70 +226% 12/50 to 7/57 -16% 1/66 to 9/68 -22% 12/61 to 6/62 -15% 7/57 to 12/57 $1 1951 1956 1961 1966 1971 1976 1981 1986 1991 1996 2001 2008 Sources: Thomson Financial and Lipper Inc. Due to the length of time shown, the growth chart uses a logarithmic scale and assumes a $1,000 investment on 12/31/50. It is not intended to represent any DWS mutual fund. Negative periods reflect all market corrections and bear markets of 15% or more since 1951, while positive periods reflect all comparable market rallies. Index returns assume reinvestment of all distributions and do not reflect fees, expenses or sales charges, which would have lowered returns. You cannot invest directly in an index. Index stocks could have had significant negative results. Index performance may be positively or negatively influenced by a relatively small number of stocks. Past performance is no guarantee of future results.

18. 3. Invest For Retirement Stay Invested Stock Market Performance Following Bear Markets 1 year gain after bottom Percentage Downturn Date to Recoup Initial Investment Date to Double Investment Bear Market1 Date Great Depression 8/31/1929 – 6/30/1932 -83% 1/31/1945 9/30/1950 132% 1960’s Tech Bust 12/31/1961 – 6/30/1962 -22% 4/30/1963 1/31/1972 31% 1970s Oil and Inflation Crisis 12/31/1972 – 9/30/1974 -43% 6/30/1976 2/28/1982 32% 1980’s Crisis 8/31/1987 – 11/30/1987 -30% 4/30/1989 4/30/1995 23% Internet and 9/11, 2001 Crisis 8/31/2000 – 9/30/2002 -45% 4/30/2006 NA 24% Current Crisis 10/07 – present -36% ? ? ? Source (except for Current Crisis): Morningstar/Ibbotson. As of 9/30/08. Bear Markets defined as -20% or greater. Month-end returns used only - not daily returns. Past performance is no guarantee of future results.

19. 3. Invest For Retirement • Familiarize yourself with these asset classes • Stable value products • Seek to maintain a stable principal whose value does not fluctuate like that of stocks or bonds • May not keep up with inflation • Bonds • Issued by a government or corporation, similar to an “IOU” • Bond prices rise as interest rates fall, and vice versa • Offer more risk than stable value products • Stocks • Represents a share of a company • Provide potential growth for your portfolio • Offer higher risk than bonds or stable value products All investments involve risk, including the possible loss of principal. Some have more risk than others. 1Stable value investments can include money market funds which seek to maintain a constant net asset value of $1.00 per share, but there can be no assurance that the stable net asset value will be maintained. It is possible to lose money. Investments in these funds are neither insured nor guaranteed by the US government.

20. Asset Allocation • Asset allocation is the process of deciding how your money should be spread among the different asset classes • Your age, amount of time to retirement, comfort level with risk and your financial goals help determine which asset allocation is best for you Your personal retirement planning strategy • Learning Tool: • Access www.dwsretire.com • Click on the Quicklink, How Much Do I Need to Save? • Check out the iChart, Rebalancing Your Asset Allocation • Here you will learn how to spread your money among different asset classes and understand the importance of rebalancing your investment mix.

21. Asset Allocation • Sample portfolio models 10% money market instruments 30% money market instruments 20% money market instruments 30% stocks 50% stocks 80% stocks 30% bonds 40% bonds Moderate Conservative Aggressive Please keep in mind, the sample allocation is not meant to be construed as a recommendation or investment advice. Rather, it is intended to give you a point of reference when considering your own unique situation. You may have additional concerns not reflected herein that may affect your investment decisions. Asset allocation does not assure or guarantee better performance and cannot eliminate the risk of investment losses. All investments involve risk including the possible loss of principal.

22. Understanding the Plan’s Investment Options • Automatic Solution—T. Rowe Price Retirement Date Funds • Highly diversified mutual funds • Helps you meet your changing financial needs now and during retirement • Professionally managed for your stage of retirement planning • Your only step is to decide when you want to retire • Investment options are designed to help you capitalize on growth opportunities to build assets during your retirement savings years • Automatically grows more conservative as your retirement date nears • Manual Solution—Remaining investment options • Build a portfolio using the core investment options from your retirement plan account • Review, revise and rebalance your portfolio periodically • Make adjustments when your circumstances change

23. Understanding the Plan’s Investment Options Diversification does not eliminate risk. The underlying mutual funds in the portfolios of the Asset Allocation funds are subject to stock market risk and invest in individual bonds whose yields and market values fluctuate, so that your investment may be worth more or less than its original cost. More investment risk information is provided on slide 25, 28 & 29 of this presentation. • Automatic Solution— T. Rowe Price Retirement Date Funds • T. Rowe Price Retirement Income Fund, Retail Class • T. Rowe Price Retirement 2010 Fund, Retail Class • T. Rowe Price Retirement 2020 Fund, Retail Class • T. Rowe Price Retirement 2030 Fund, Retail Class • T. Rowe Price Retirement 2040 Fund, Retail Class • T. Rowe Price Retirement 2050 Fund, Retail Class

24. Understanding the Plan’s Investment Options DWS Stable Value Fund DWS Core Fixed Income Fund, S Class American Century Equity Income Fund, Inv Class T. Rowe Price Equity Income Fund, Adv Class DWS Stock Index Fund1 DWS Capital Growth Fund, Class S Goldman Sachs Mid Cap Value Fund, Class A AIM Capital Development Fund, Class A DWS RREEF Real Estate Securities Fund, Class S Allianz NFJ Small-Cap Value Fund, Admin Class Allianz CCM Emerging Companies Fund, Admin Class Royce Value Plus Service Fund, Service Class American Funds EuroPacific Growth Fund, Class R4 DWS Global Opportunities Fund, Class S Oppenheimer International Small Company Fund, Class A N/A SFXSX TWEIX PAFDX N/A SCGSX GCMAX ACDAX RRGTX PVADX PMGAX RYVPX REREX SGSCX OSMAX Manual Solution–Investment Options choices Investment Option Ticker Symbol DWS Stable Value Trust seeks to maintain a constant net asset value of $1.00 per share, but there can be no assurance that the stable net asset value will be maintained. It is possible to lose money. Investments in this fund are neither insured nor guaranteed by the US government. DWS Stable Value Fund and DWS Stock Index Fund are collective investment trusts, not mutual funds. Collective investment trusts have similar characteristics to mutual funds, but are structured differently. Collective investment trusts do not have prospectuses. DWS Stock Index Fund only purchases shares of the State Street S&P 500 Fund. More investment risk information is provided on slide 24, 28 & 29 of this presentation.

25. Putting It All Together • Evaluate goals • Design a plan that is suitable to your individual goals • Stay informed • Access www.dwsretire.com for your online tools and resources • Use the Voice Response System1 at 1-800-541-7705 • Contact the Employee Service Center1 at 1-800-541-7705 and press “0” • Attend regularly scheduled one-on-one SageView advisory sessions • Review your quarterly statement and Retirement Focus newsletter • Read the latest Retirement Focus monthly e-newsletter • Gain additional insight through newspapers and financial magazines 1The VRS, Employee Service Center and Online Retirement Account Access are offered by ADP Retirement Services, the recordkeeper for DWS Investments retirement plans. You may transact business in English or Spanish via the VRS. Employee Service Center representatives are registered representatives of ADP Broker-Dealer, Inc., One ADP Blvd., Roseland, NJ; an affiliate of ADP, Inc.; Member FINRA, SIPC.

26. Get Going • What we’ve talked about • 3 steps to retirement planning • Invest for retirement • Asset allocation • Understand your investment options • Put it all together

27. Investment Risks Investments in mutual funds and in asset allocation funds involve risk. Diversification does not eliminate risk. Some investment products have more risk than others, such as those investing in commodity-related securities, which are subject to market price movements, regulatory changes and economic conditions as well as adverse political and financial factors. Bond investments are subject to interest-rate risk such that when interest rates rise, the prices of the bonds, and thus the value of the bond investment, can decline and the investor can lose principal value. Investing in foreign securities present certain risks, such as currency fluctuations, political and economic changes and market risks Furthermore, there are additional risks associated with investing in non-US companies, high-yield bonds, emerging markets, aggressive growth stocks, non-diversified/concentrated funds and small-, mid- and micro-cap stocks which are more fully explained in the prospectuses. The underlying mutual funds in the portfolios of Asset Allocation funds are subject to stock market risk and invest in individual bonds whose yields and market values fluctuate, so that your investment may be worth more or less that its original price. Please read the prospectus for more information. Distributor Information DWS Investments funds are distributed by DWS Investments Distributors, Inc.; American Century funds are distributed by American Century Investment Services, Inc.; AIM funds are distributed by AIM Distributors, Inc.; Allianz funds are distributed by Allianz Global Investors Distributors LLC; American funds are distributed by American Funds Distributors, Inc.; Goldman Sachs funds are distributed by The Goldman Sachs Group, Inc.; Oppenheimer funds are distributed by Oppenheimer Funds Distributor, Inc.; Royce funds are distributed by Royce Fund Services, Inc.; T. Rowe Price funds are distributed by T. Rowe Price Investment Services, Inc.

28. Important Information: All investments involve risk, including possible loss of principal. This presentation is not intended to provide investment, tax or legal advice and should not be relied upon as such. Any specific investment, tax or legal questions concerning the matters described in this presentation should be discussed with your financial, tax or legal advisor. DWS and ADP do not provide investment, tax or legal advice. OBTAIN A PROSPECTUS For more information or to obtain a fund prospectus, talk to your financial representative or call the Employee Service Center at 1-800-541-7705. We advise you to carefully consider the product’s objectives, risks, charges and expenses before investing. The prospectus contains this and other important information about the investment product. Please read the prospectus carefully before you invest. NOT FDIC/NCUA INSURED MAY LOSE VALUE NO BANK GUARANTEE NOT A DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY DWS Investments is part of Deutsche Bank's Asset Management division and, within the US, represents the retail asset management activities of Deutsche Bank AG, Deutsche Bank Trust Company Americas, Deutsche Investment Management Americas Inc. and DWS Trust Company. DWS Investments Distributors, Inc. 222 South Riverside Plaza Chicago, IL 60606-5808 www.dws-investments.com © 2009 DWS Investments Distributors, Inc. All rights reserved. R-11234-1 (05/09)