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d in the investment's prospectus and may be lower than the gross expense ratio
formation regarding investment expense waivers specific to each investment is
oluntary and its date of expiration. All available information about investment
arding the waivers is incomplete, it is because our third-party data provider was
ent profile or the prospectus that corresponds to the investment, which are both
539.
not intended for distribution to participants or for use as advertising or sales
mmary. Not all investment options are available for all plans.
rformance may be lower or higher than that shown. Performance for other
profile pertaining to the investment or by calling 1-888-309-3539.
ent objectives will be achieved. Values at distribution may be more or less

s a percentage on an annual basis and include reinvestment of all dividends and

option are provided below under the appropriate asset category. Each investment
ngstar RatingsTM are calculated are provided at the end of the attached Peer

ully before investing. This and other information can be found in the
ad it carefully before investing.
asures the volatility of performance. Generally a higher standard deviation (or

RS-41492-01

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