Kevin L Collins Patrick M Delaney Cynthia Egan

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.
Patrick M. Delaney
Patrick Delaney is a communications consultant for T. Rowe Price Retirement Plan Services,
Inc. He joined the firm in 2000 in the Participant Service Center and subsequently became a
senior representative. In 2003, Patrick transitioned to the Creative Exchange department where
he worked as an account executive with both print and Web communications materials. In 2005,
he joined Communications, where he works directly with plan sponsors to better prepare and
educate plan participants about saving for retirement. He earned a B.A. in economics from
Gettysburg College and is a Series 6, 7, and 63 registered representative.
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 2004. 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.

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.
James A. Griffin
James Griffin is an assistant vice president of T. Rowe Price Retirement Plan Services, Inc.,
and a senior product manager in the Product Development Group. In this role, James is
responsible for the management and support of advice, guidance, and Web products and
services. Prior to his current position, he was a business systems analysis in the Business
Solutions Group. James earned his B.A. from Western Maryland College and an M.B.A. from
Mount Saint Mary’s University. He is a Series 6, 7, and 63 registered representative.
David A. Harbeitner
David Harbeitner is a vice president of T. Rowe Price Group, T. Rowe Price Retirement Plans
Services, T. Rowe Price Services, and T. Rowe Price Trust Company. He is the head of
Operations for Retirement Plans Services. Before joining T. Rowe Price in 1996, he was a vice
president with Fidelity Investments. David earned a bachelor’s degree in finance from the Miami
University. He has achieved the Certified Financial Planner accreditation and holds Series 5, 7,
8, 24, and 66 licenses.

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).
Craig Keim, CFA
Craig Keim is a vice president and senior relationship manager for T. Rowe Price Retirement
Plan Services, Inc., in the Colorado Springs, Colorado, office. Prior to joining the firm in 2000,
Craig served in various management roles at Great-West Life & Annuity in Denver and has over
15 years of experience in the investment and retirement plan industry. Craig earned a B.A. in
public affairs and philosophy from Claremont McKenna College and received an M.B.A. from
the University of Denver. He has earned the Chartered Financial Analyst (CFA) designation and
is a Series 6, 63, and 26 registered representative.
Carey J. McKenzie
Carey J. McKenzie is a vice president of T. Rowe Price Group and T. Rowe Price Retirement
Plan Services, Inc. Carey is the Eastern Regional sales director for Retirement Plan Services,
Inc. He joined the firm in 1990. Carey earned a B.S. in business administration from Towson
University and an M.B.A. from the Robert H. Smith School of Business at the University of
Maryland. Carey is a Series 6, 7, 63, and 65 registered representative.
Matthew D. McOsker
Matt McOsker is a vice president for the Product Development division of T. Rowe Price
Retirement Plan Services, Inc. Since joining the firm in 1993, Matt has worked as a Participant
Service Center representative and an employee meeting specialist. Matt earned a B.S. in
Geology from St. Lawrence University and Visual Basic and Java Programming Certificates
from the Community College of Baltimore County. He currently has a Series 6, 7, and 63 license
with the FINRA.

Gina T. Ross
Gina Ross is a relationship manager of T. Rowe Price Retirement Plan Services, Inc. Prior to
joining the firm in 2004, Gina was a relationship manager for MassMutual Retirement Services
in Baltimore, Maryland. She earned a B.A. in business from Towson University. Gina is a Series
7 and 63 registered representative.
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 2007. Luke
graduated with a B.A. in business administration from Elon University. He is a Series 7
registered representative.
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 representative.
Brett M. Wells
Brett Wells is a vice president and retirement sales executive for T. Rowe Price Retirement Plan
Services, Inc. He joined the firm in 1994 as an investment services representative. Prior to
joining the Sales Team in 2000, he served as a client relations consultant. Brett earned a B.S. in
business and finance from Mount St. Mary’s College in Maryland. Brett is a Series 7 and 63
registered representative.

Christina K. Wilcox
Tina Wilcox is a vice president of T. Rowe Price Retirement Plan Services, Inc. She is a senior
relationship manager and also manages a team within the group Tina joined the firm in 1992 as
a telephone representative. She then worked as a retirement plan representative and a
conversion manager in our New Business Group before becoming a relationship manager in
1998. Tina earned a B.A. in communications and an M.B.A. in marketing from Loyola College in
Baltimore, Maryland. She earned the Qualified 401(k) Administrator credential from the
American Society of Pension Professionals & Actuaries (ASPPA) in 2007. Tina is a Series 6, 7,
and 63 registered representative.