Jeffrey H. Mandell, CLU—Business & Estate Liability Analyst
Wayne Pangburn—Executive Benefit Administrator
Leslie H. Foster—Third-Party Administrator/Retirement Plans per SEC R202

Arbor Investment Advisors, LLC
Renaissance Bank Advisors

Jeffrey H. Mandell, CLU—Business & Estate Liability Analyst

A native of Pottsville, Pennsylvania, Jeffrey is an insurance consultant, specializing in business insurance and estate planning, for a group of highly successful agents across the country. Previously he served as superintendent of advanced sales and vice president of technical support for MassMutual.

He received degrees in economic and business/applied economics from the Wharton School of the University of Pennsylvania. While at Penn he was a Joseph Wharton Scholar and an S.S. Heubner Fellow. He has been a member of the American Risk and Insurance Association and the Estate Planning Council. He has held offices, chaired committees, and served an instructor and speaker for the Western Massachusetts Chapter of CLU and ChFC.

Wayne Pangburn—Executive Benefit Administrator

Wayne graduated from Bates College in Lewiston, Maine, where he earned a BA degree in economics. Following college he served three years as an officer in the United States Army. He entered the life insurance business in Boston in 1969 with Manufacturers Life. In 1976 he joined the home office of New England Life as director of advance underwriting and vice-president marketing. He left New England Life to begin a benefits consulting practice in Louisiana. Working on a partnership basis with agents and brokers throughout the country, he established a very successful practice dealing exclusively in the area of nonqualified fringe benefits.

Leslie H. Foster—Third-Party Administrator/Retirement Plans per SEC R202

Leslie graduated from Appalachian State University where she earned a BA degree in chemistry with minors in English and mathematics. Immediately after college she began working in The Greensboro Agency of Massachusetts Mutual Life Insurance Company as a pension analyst.

In 1992, Leslie had the opportunity to purchase a share in a third-party administration firm, Compensation Systems, Inc. In 2003, she became the sole owner of Compensation Systems, Inc. specializing in administration of qualified plans for employers with companies having 1 to 200+ employees. Leslie currently has clients located in North Carolina, South Carolina, Texas, New York and Maine.

In addition, Leslie is currently furthering her career by studying for two designations, the CPC (Certified Pension Consultant) offered through the American Society of Pension Actuaries and the RPA (Retirement Plan Associate) offered through the Wharton School of the University of Pennsylvania.

Leslie H. Foster is a registered representative of and offers securities through MML Investors Services, Inc., Member SIPC 300 North Greene Street, Suite 1650, Greensboro, NC 27401-2167 (336) 275-0881.

Arbor Investment Advisors, LLC

Independent and privately owned, Arbor Investment Advisors provides fee-only, customized investment advice and strategic asset management to high-net-worth individuals, foundations and retirement plans. Chip Holden and John Mickey are minority owners of Arbor.

Arbor Investment Advisors, LLC, is not a subsidiary or affiliate of MML Investors Services, Inc. Services offered through Arbor Investment Advisors, LLC as an independent registered investment advisor are not sponsored by or offered through MML Investors Services, Inc.

Renaissance Bank Advisors

One of the nation’s leading Bank-Owned Life Insurance administration companies for community banks, Renaissance Bank Advisors provides state-of-the-art product research and third-party administration for thousands of BOLI transactions throughout the country.

Renaissance Bank Advisors is not an affiliate or subsidiary of MML Investors Services, Inc.

Securities, investment advisory and financial planning services offered through qualified registered representatives of MML Investors Services Inc. Member SIPC (www.SIPC.org). 300 N. Greene Street, Suite 1650, Greensboro, NC 27401-2167, (336) 275-0881.