HOLD HARMLESS LANGUAGE #1

This Hold Harmless Agreement applies to Diversified Investment Advisors, Inc.,

Diversified Investors Securities Corp., Transamerica Financial Life Insurance Company,
Western Reserve Life Assurance Co. of Ohio, Investors Bank & Trust Co., Massachusetts
Fidelity Trust Company and the above-named Employer (collectively, the "Companies").
I hereby agree to indemnify and hold harmless the Companies, their affiliates, directors,
officers, shareholders and employees from and against all claims, suits, actions, costs,
losses, penalties, taxes and liabilities, including court costs and attorneys' fees, arising
from or relating to investment performance, prohibited transaction or other breach
resulting from the transfer of funds, at my or my authorized representative's direction,
from the plan's core investment funds at Diversified Investment Advisors to the Schwab
Personal Choice Retirement Account (PCRA).

HOLD HARMLESS LANGUAGE #2

Client Indemnification: Client shall indemnify and hold harmless Manager [a Heitman
Advisor] and its affiliates and their respective directors, managers, officers, agents and
employees, from and against any and all losses, claims, demands, actions, or liability of
any nature, including but not limited to attorneys’ fees, expenses and court costs, arising
out of or in connection with this Agreement, except to the extent based upon, arising out
of or in connection with Manager’s grossly negligent, reckless, willfully improper or
illegal conduct in its performance or failure to perform under this Agreement, actions
outside the scope of Manager’s authority or other material breach under this Agreement,
by Manager, its directors, managers, officers, employees and agents.