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Disclosures

Expense Ratio is the percentage of fund assets paid for operating expenses and m
typically includes the following types of fees: accounting, administrator, advisor, aud
professional, registration, shareholder reporting, sub-advisor, and transfer agency. T
charges.
Gross Expense Ratio does not reflect any fee waivers in effect during the time per
Operating Expense Ratio, Morningstar pulls the prospectus gross expense ratio fro
changes to the expense structure for the current period.
Net Expense Ratio is the net operating expenses are the expenses you are curren
the gross operating expenses, then the net operating expenses reflect voluntary fee
be discontinued at any time. For more information on fee waivers and/or expense re

Money market investments are not insured or guaranteed by the Federal Deposit In
investments seek to preserve the value of your investment at $1.00 per share, it is p

Generally target retirement date (lifecycle) investment options are designed to be he
for the investor in retirement. The year in the investment option name refers to the a
stop making new contributions to the investment option. However, investors may ch
aggressive depending on their own risk tolerance.

Target retirement date (lifecycle) investment options are designed for participants w
these options follows its own asset allocation path (“glide path”) to progressively red
not reach their most conservative allocation until after their target date. Others may
consider their own personal risk tolerance, circumstances and

financial situation. These options should not be selected solely on a single factor su
pertaining to the options to determine if their glide path is consistent with your long-
allocation may be subject to change. Investments in these options are not guarante
date. Additionally, there is no guarantee that the options will provide
adequate income at and through retirement.

Risks of investing in bond and debt securities investments include the risk that a bo
(credit risk) and/or the risk that the value of these securities will decline when intere