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					401(k) Enrollment Kit

Contact

Index Funds Advisors, Inc.
19100 Von Karman Ave., Suite 450 Irvine, CA 926212-6566 Toll Free: 888-643-3133 Fax: 949-502-0048 www.ifa.com

Becky Vasquez
becky@ifa.com

Investment Advisor

Cheri Ada
Assistant
Cheri@ifa.com

Index Funds Advisors, Inc.

888.643.3133

1

Enrollment
Enrollment may be completed by following this manual entry approach: 1. Complete either the 5 (or) the 19-Question Risk Capacity Survey. The answers to this survey will result in a score between 0-100. The resulting score is then matched to the nearest standard IFA Portfolio (90, 70, 50, 30, 10). Please answer each question, even if you guess. Some of the questions are difficult, but all questions are important in arriving at your correct risk capacity. Description of each Portfolio, including Risk versus Reward data, is available on the 401(k) website and is also included in the 401(k) Employee Handout. If you would like a copy of the Employee Handout mailed out, or if have questions, contact IFA at (888) 643-3133 (Hours; M-F, 9:00 am to 5:00 pm). 2. Complete both pages of the Enrollment Form: Section 1: Employee Information – Fill out completely. Section 2: Contribution Selection – Your 401(k) is an important benefit for you. You should contribute the maximum possible, but at least contribute something. Section 3: Investment Selection 3A. Selection of a Standard Portfolio 90, 70, 50, 30, 10 is highly recommended. (We recommend for you to check “Yes” to have the Portfolio Rebalanced Annually) 3B. Custom portfolios are available, but requires significant expertise. Section 4: Authorization – sign, date, and return to your 401(k) handler. 3. Complete the Salary Deferral Agreement Form: 4. Complete the three pages of the Incoming Direct Rollover Form: 5. Complete both pages of the Beneficiary Designation Form:

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Index Funds Advisors, Inc.

ifa.com

Scott-McRae Group 401(k) Plan
1. Employee Information (Please Print)

Enrollment Form
New enrollment

Page 1 of 2
Change to existing account

_____________________________________ First name

______ MI

___________________________________ Last Last four digits of your social security number

-

-

__________________________________________________________ Street address

______________________________ ______ City State

_______________________ ZIP

Marital status:

Married Not Married

Date of birth (mm/dd/yyyy)

2. Contribution Selection
Note: The IRS limits may affect the amount you can contribute to the Plan each year.

I authorize my employer to withhold from my wages each pay period: Pre-tax contribution of ______________% OR $______________
(Full Percentage Only)

I do not wish to contribute to the plan at this time.

3. Investment Election
Please check with your plan to determine the investment options you have available. Please select either A or B below. A. I wish to select an asset allocation model from the choices below. Note: The asset allocations for each model are included in the Participant Handout and shown below. (check only one)

Portfolio 90
(Aggressive) DFA US Large Company Index DFA US Large Cap Value Index DFA US Targeted Value Index DFA US Small Cap Value Index DFA Real Estate Index DFA International Value Index DFA International Small Company Index DFA International Small Cap Value Index DFA Emerging Markets Index DFA Emerging Markets Value Index DFA Emerging Markets Small Cap Index DFA One-Year Fixed Income Index DFA Two-Year Global Fixed Income Index DFA Five-Year Gov't Income Index DFA Five-Year Global Fixed Income Index 20% 20% 10% 10% 10% 10% 5% 5% 3% 3% 4% 0% 0% 0% 0%

Portfolio 70
(Moderate-Aggressive) DFA US Large Company Index DFA US Large Cap Value Index DFA US Targeted Value Index DFA US Small Cap Value Index DFA Real Estate Index DFA International Value Index DFA International Small Company Index DFA International Small Cap Value Index DFA Emerging Markets Index DFA Emerging Markets Value Index DFA Emerging Markets Small Cap Index DFA One-Year Fixed Income Index DFA Two-Year Global Fixed Income Index DFA Five-Year Gov't Income Index DFA Five-Year Global Fixed Income Index 16% 16% 8% 8% 8% 8% 4% 4% 2.4% 2.4% 3.2% 5% 5% 5% 5%

Portfolio 50
(Moderate) DFA US Large Company Index DFA US Large Cap Value Index DFA US Targeted Value Index DFA US Small Cap Value Index DFA Real Estate Index DFA International Value Index DFA International Small Company Index DFA International Small Cap Value Index DFA Emerging Markets Index DFA Emerging Markets Value Index DFA Emerging Markets Small Cap Index DFA One-Year Fixed Income Index DFA Two-Year Global Fixed Income Index DFA Five-Year Gov't Income Index DFA Five-Year Global Fixed Income Index 12% 12% 6% 6% 6% 6% 3% 3% 1.8% 1.8% 2.4% 10% 10% 10% 10%

Portfolio 30
(Moderate-Conservative) DFA US Large Company Index DFA US Large Cap Value Index DFA US Targeted Value Index DFA US Small Cap Value Index DFA Real Estate Index DFA International Value Index DFA International Small Company Index DFA International Small Cap Value Index DFA Emerging Markets Index DFA Emerging Markets Value Index DFA Emerging Markets Small Cap Index DFA One-Year Fixed Income Index DFA Two-Year Global Fixed Income Index DFA Five-Year Gov't Income Index DFA Five-Year Global Fixed Income Index 8% 8% 4% 4% 4% 4% 2% 2% 1.2% 1.2% 1.6% 15% 15% 15% 15%

Portfolio 10
(Conservative) DFA US Large Company Index DFA US Large Cap Value Index DFA US Targeted Value Index DFA US Small Cap Value Index DFA Real Estate Index DFA International Value Index DFA International Small Company Index DFA International Small Cap Value Index DFA Emerging Markets Index DFA Emerging Markets Value Index DFA Emerging Markets Small Cap Index DFA One-Year Fixed Income Index DFA Two-Year Global Fixed Income Index DFA Five-Year Gov't Income Index DFA Five-Year Global Fixed Income Index
YES

4% 4% 2% 2% 2% 2% 1% 1% 0.6% 0.6% 0.8% 20% 20% 20% 20%
(Yes Recommended)
Index Funds Advisors, Inc. 888.643.3133

Would you like your asset allocation model rebalanced annually?

NO

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Scott-McRae Group 401(k) Plan

Enrollment Form

Page 2 of 2

B.

I wish to customize my own portfolio from the funds available in the plan.

1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15 16. 17. 18. 19. 20

Fund Name DFA U.S. Large Company Portfolio DFA U.S. Large Cap Value Portfolio DFA U.S. Targeted Value Portfolio DFA U.S. Small Cap Value Portfolio DFA Real Estate Securities Portfolio DFA International Value Portfolio DFA International Small Company DFA International Small Value DFA Emerging Markets DFA Emerging Markets Value DFA Emerging Markets Small Cap DFA One-Year Fixed DFA Two-Year Global Fixed DFA Five-Year Fixed DFA Five-Year Global Fixed Money Market Fund

Total

Percentage OR _____________% _____________% _____________% _____________% _____________% _____________% _____________% _____________% _____________% _____________% _____________% _____________% _____________% _____________% _____________% _____________% _____________% _____________% _____________% _____________% 100%

Dollar amount $__________________________ $__________________________ $__________________________ $__________________________ $__________________________ $__________________________ $__________________________ $__________________________ $__________________________ $__________________________ $__________________________ $__________________________ $__________________________ $__________________________ $__________________________ $__________________________ $__________________________ $__________________________ $__________________________ $__________________________ $

4. Authorization
By signing below, I authorize my employer to withhold the specified amount listed in Section 2 from my wages. I acknowledge that I have completed a beneficiary designation form.

X___________________________________________________ Participant’s Signature ________/________/____________ Date (mm/dd/yyyy)

___________________________________________________ Print Name

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Index Funds Advisors, Inc.

ifa.com

Salary Deferral Agreement 401(k) Plan Rail Delivery Services 401(k) Plan Scott-McRae Group 401(k)
Participant Information
Last Name First Name MI Social Security Number

Plan

385564-01

Address - Number & Street

E-Mail Address

City ( ) Home Phone ( )

State

Zip Code

Mo

Day Year

❑ ❑

Female Married

❑ ❑

Male Unmarried

Date of Birth Work Phone

Salary Deferral Agreement
This Agreement shall apply to all compensation paid from the effective date specified, until cancelled, superceded, or the employee ceases to be an eligible employee. This Agreement supercedes all previous agreements. I understand that I may change the percentage of compensation or dollar amount contributed to the Plan only when and as allowed under the terms of the Plan. I also understand that it is my responsibility to comply with the Internal Revenue Code deferral limits; that any excess contributions will be distributed pursuant to Treasury regulation 1.402(g)-1, as amended; and that I may be responsible for any costs, including taxes and penalties, that I may incur as a result of such excess contributions.

Payroll Information
Specify one of the following:

❑ New Enrollment
Specify the following:

❑ Restart

❑ Increase Payroll Deduction

❑ Decrease Payroll Deduction

❑ Stop Deductions

❑ I elect to contribute

% or $ such time as I revoke or amend my election.

(per pay period) of my compensation as before-tax contributions to the 401(k) Plan until

Note: The total of your before-tax deferrals cannot exceed $15,500.00. If I am 50 years of age or older and I am eligible for a catch-up contribution, I understand I may exceed this total.

❑ I decline to make contributions to the Plan at this time.
Payroll Effective Date: Mo this form. Day Year Date of Hire: Mo Day Year

Required Signatures - I have completed, understand and agree to the terms of this Agreement and authorize the payroll deduction as indicated on

Participant Signature

Date

Participant forward to Plan Administrator/Trustee

Authorized Plan Administrator/Trustee Signature

Date

][

Form 17 C401K FSALDF 09/09/08 Page 1 of 1
][ ][ ][

][

A01:111207
FRLG /87594819
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][

Index Funds Advisors, Inc.

888.643.3133

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385564-01
Last Name First Name MI Social Security Number Plan Number

Participant Acknowledgements
General Information - I understand that only certain types of distributions are eligible for rollover treatment and that it is solely my responsibility to ensure such eligibility. By signing below, I affirm that the funds I am rolling are in fact eligible for such treatment. I authorize these funds to be transferred into my employer’s Plan and to be invested according to the information specified in the Investment Option Information section. If the investment option information is missing or incomplete, I authorize Service Provider to allocate the direct rollover assets ("assets") the same as my ongoing contributions (if I have an account established) or to the default investment option selected by my Plan (if I do not have an account established). If no default investment option is selected by my Plan, the funds will be returned to the payor as required by law. If my assets are received more than 180 calendar days after Service Provider receives this Incoming Direct Rollover form (this "form"), I authorize Service Provider to allocate all monies received the same as my ongoing allocation election on file with Service Provider. I understand I must call 1-800-338-4015 or access the Web site in order to make changes or transfer monies from the default investment option. The assets will be processed on the day this form is received. I understand that this completed form must be received by Service Provider at the address below. I understand that the current Custodian/Provider may require that I furnish additional information before processing the transaction requested on this form, and Service Provider is not responsible for determining the status of any transaction that I have requested. It is entirely my responsibility to provide the current Custodian/Provider with any information that they may require, and/or to notify Service Provider of any information that the current Custodian/Provider may wish to obtain in order to effect the transaction. Withdrawal Restrictions - I understand that the Internal Revenue Code and/or my employer’s Plan Document may impose restrictions on direct rollovers and/or distributions. I understand that I must contact the Plan Administrator/Trustee, if applicable, to determine when and/or under what circumstances I am eligible to receive distributions or make direct rollovers. Investment Options - I understand that by signing and submitting this form for processing, I am requesting to have investment options established under the Plan as specified on the first page of this form. I understand and agree that this account is subject to the terms of the Plan Document. I understand and acknowledge that all payments and account values, when based on the experience of the investment options, may not be guaranteed and may fluctuate, and, upon redemption, shares may be worth more or less than their original cost. I acknowledge that investment option information, including prospectuses, disclosure documents and Fund Profile sheets, have been made available to me and I understand the risks of investing. Account Corrections - I understand that it is my obligation to review all confirmations and quarterly statements for discrepancies or errors. Corrections will be made only for errors which I communicate within 90 calendar days of the last calendar quarter. After this 90 days, account information shall be deemed accurate and acceptable to me. If I notify Service Provider of an error after this 90 days the correction will only be processed from the date of notification forward and not on a retroactive basis.

Payment Instructions
Make check payable to: Orchard Trust Company, LLC Include the following information on the check: Participant Name, Social Security Number, Plan Number, Plan Name Wire instructions: Account of: Orchard Trust Company Bank: US Bank Account no: 103656586049 Routing transit no: 102000021 Attention: Financial Control Reference: Participant Name, Social Security Number, Plan Number, Plan Name Regular mail address for the check and form (if mailed together): Orchard Trust Company, LLC Attn: 401K Operations Dept # 1148 Denver, CO 80256-1148 Overnight mail address for the check and form (if mailed together): US Bank 3550 Rockmont Dr Mail Stop DN-CO-OCLB Dept #1148 Denver, CO 80202 Contact: Great-West Retirement Services® Phone#: 1-800-338-4015

If sending the "form" only, please fax to 1-866-633-5212 or follow mailing instructions above. Funds received will not be invested unless accompanied by a completed Incoming Direct Rollover form. Funds will be invested on the day that both a completed Incoming Direct Rollover form and funds are received prior to market close.

][

Form 29 C401K FRLCNT 09/09/08 Page 2 of 3
][ ][ ][

][

A06:070308
][

FRLG /87594817
][

Index Funds Advisors, Inc.

888.643.3133

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385564-01
Last Name First Name MI Social Security Number Plan Number

Required Signatures - My signature indicates that I have read, understand the effect of my election and agree to all pages of this Incoming Direct
Rollover form. I affirm that all information provided is true and correct. I understand that Service Provider is required to comply with the regulations and requirements of the Office of Foreign Assets Control, Department of the Treasury ("OFAC"). As a result, Service Provider cannot conduct business with persons in a blocked country or any person designated by OFAC as a specially designated national or blocked person. For more information, please access the OFAC Web site at: http://www.ustreas.gov/offices/eotffc/ofac.

Participant Signature

Date

Participant forward to Plan Administrator/Trustee Plan Administrator forward or fax as shown above in the Payment Instructions section

I acknowledge and agree that the Plan Administrator/Trustee for the Previous Employer’s plan is released from and the Plan Administrator/Trustee for the Current Employer’s Plan shall assume all obligations associated with any amounts transferred under this Incoming Direct Rollover form.

Authorized Plan Administrator/Trustee Signature For Current Employer’s Plan

Date

][

Form 29 C401K FRLCNT 09/09/08 Page 3 of 3
][ ][ ][

][

A06:070308
][

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FRLG /87594817
][

Index Funds Advisors, Inc.

ifa.com

Incoming Direct Rollover 401(k) Plan Integrated Intermodal Services, Inc. 401(k) Plan Scott-McRae Group 401(k) Plan
Participant Information
Last Name First Name MI Social Security Number

385564-01

Address - Number & Street

E-Mail Address

City ( ) Home Phone ( )

State

Zip Code

Mo

Day Year

❑ ❑

Female Married

❑ ❑

Male Unmarried

Date of Birth Work Phone

Direct Rollover Information
Current Plan Administrator must authorize by signing in the Required Signatures section. I am choosing a: ❑ Direct Rollover, as allowed by your Plan, from a qualified: ❑ 401(a) plan ❑ 401(k) plan ❑ Governmental 457(b) plan ❑ 403(b) plan ❑ Direct Rollover from a Traditional IRA, as allowed by your Plan Previous Provider Information:
Company Name Mailing Address Account Number

(
City/State/Zip Code

)

Phone Number

Amount of Direct Rollover: $

(Enter approximate amount if exact amount is not known.)

Investment Option Information - Please refer to your marketing communication materials for investment option information.
I understand that funds may impose redemption fees on certain transfers, redemptions or exchanges if assets are held less than the period stated in the fund’s prospectus or other disclosure documents. I will refer to the fund’s prospectus and/or disclosure documents for more information. Select either existing ongoing allocations (A) or your own investment options (B). (A) Existing Ongoing Allocations ❑ I wish to allocate this rollover the same as my existing ongoing allocations. (B) Select Your Own Investment Options Please Note: For automatic dollar-cost averaging, call Client Service Department or access our Web site.

Investment Option Name
DFA DFA DFA DFA DFA DFA DFA DFA DFA Emerging Markets ................................................ Emerging Markets Small Cap............................. . Emerging Markets Value Fund Adv .................... Five-Year Global Fixed-Income .......................... Intl Small Cap Value Fund Adv .......................... Intl Small Company Fund Adv ............................ International Value Fund Adv ............................. Real Estate Securities Fund Adv .......................... US Targeted Value Fund Adv ..............................

Investment Option Code
(Internal Use Only)
DFEMX DEMSX DFEVX DFGBX DISVX DFISX DFIVX DGREZ DFSTX % % % % % % % % %

Investment Option Name
DFA US Small Cap Value Fund ................................... DFA US Large Company............................................. DFA US Large Cap Value Fund ................................... DFA Five-Year Government Fund Adv ....................... DFA One-Year Fixed-Income I................................... . DFA Two-Year Global Fixed-Income I...................... . Fidelity Money Market Trust Ret Fund ........................ MUST INDICATE WHOLE PERCENTAGES

Investment Option Code
(Internal Use Only)
DFSVX DFLCX DFLVX DFFGX DFIHX DFGFX FRTXX % % % % % % % = 100%

][

Form 29 C401K FRLCNT 09/09/08 Page 1 of 3
][ ][ ][

][

A06:070308
][

FRLG /87594817
][

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Index Funds Advisors, Inc.

ifa.com

Beneficiary Designation 401(k) Plan Scott-McRae Group 401(k) Plan Integrated Intermodal Services, Inc. 401(k) Plan
Participant Information
Last Name First Name MI Social Security Number

385564-01

E-Mail Address ❑ Married ❑ Unmarried

Account Extension (if applicable) Account extension identifies funds that were transferred to you through a divorce or death.

Plan Beneficiary Designation
This designation is effective upon execution and delivery to the Plan Administrator. If I name more than one beneficiary in either category, the surviving beneficiaries in that category will share equally unless otherwise indicated. I have the right to change the beneficiary. If any information is missing, additional information may be required prior to recording my beneficiary designation. If my primary and contingent beneficiaries predecease me or I fail to designate beneficiaries, amounts will be paid pursuant to the terms of the Plan Document or applicable state law. This designation supersedes all prior designations. Beneficiaries will share equally if percentages are not provided and any amounts unpaid upon death will be divided equally. Primary and contingent beneficiaries must separately total 100.00%. The number of primary or contingent beneficiaries you may name is not limited. Attach an additional sheet, if necessary.

Primary Beneficiary
#1 . % of Account Balance . % of Account Balance . % of Account Balance Social Security Number Primary Beneficiary Name Relationship Date of Birth

#2

Social Security Number

Primary Beneficiary Name

Relationship

Date of Birth

#3

Social Security Number

Primary Beneficiary Name

Relationship

Date of Birth

Contingent Beneficiary
#1 . % of Account Balance . % of Account Balance . % of Account Balance Social Security Number Contingent Beneficiary Name Relationship Date of Birth

#2

Social Security Number

Contingent Beneficiary Name

Relationship

Date of Birth

#3

Social Security Number

Contingent Beneficiary Name

Relationship

Date of Birth

Spousal Consent
Important Notice: If you are married and the Plan is subject to spousal consent requirements under ERISA and/or the Plan Document, you must have your spouse’s signature notarized to designate a primary beneficiary other than your spouse or in addition to your spouse. The date your spouse signs below must match the date on which his or her signature was notarized. I hereby consent to the above beneficiary designation and understand its effect. I understand that I may be waiving my right to receive a survivor annuity which would otherwise be payable to me upon the participant’s death.

Spouse’s Signature

Date

Statement of Notary State of County of ) )ss )

NOTE: Notary seal must be visible.

SEAL

The consent to this request was subscribed to before me by on this day of , year , who affirmed that such consent represents his/her free and voluntary act. Notary Public My commission expires

][

Form 3 C401K FBENED 09/09/08 Page 1 of 2
][ ][ ][

][

A01:121007
][

FRLG /87594818
][

Index Funds Advisors, Inc.

888.643.3133

9

385564-01
Last Name First Name MI Social Security Number Plan Number

Required Signatures - I have completed, understand and agree to all pages of this Beneficiary Designation form. I understand that Service Provider
is required to comply with the regulations and requirements of the Office of Foreign Assets Control, Department of the Treasury ("OFAC"). As a result, Service Provider cannot conduct business with persons in a blocked country or any person designated by OFAC as a specially designated national or blocked person. For more information, please access the OFAC Web site at: http://www.ustreas.gov/offices/eotffc/ofac.

Participant Signature

Date

Participant forward to Plan Administrator/Trustee

Authorized Plan Administrator/Trustee Signature

Date

][

Form 3 C401K FBENED 09/09/08 Page 2 of 2
][ ][ ][

][

A01:121007
][

FRLG /87594818
][

10

Index Funds Advisors, Inc.

ifa.com

Corporate Office 19100 Von Karman Ave. Suite 450 Irvine, CA 92612-6566

Toll Free: 888.643.3133 Local: 949.502.0050 Fax: 949.502.0048


				
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