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Disclosures

Risks of investing in inflation-protected bond investments include credit risk and inte
government.
High-yield bond investments are generally subject to greater market fluctuations an
investments.
Investments that track a benchmark index are professionally managed. However, th
cannot be purchased directly for investment.
Investments in value stocks may remain undervalued for extended periods of time,
Investments in growth stocks may experience price volatility due to their sensitivity t
Investments in companies with small or mid market capitalization (“small caps” or “m
markets, limited financial resources, and less liquid stocks, all of which may cause p
International/global investing can involve special risks, such as political changes an
A significant percentage of the underlying investments in aggressive asset allocatio
consider their risk tolerance carefully before choosing such a strategy.
An investment with multiple underlying investments may be subject to the expenses
The Barclays U.S. 1-3 Year Government Bond Index is an unmanaged index of U.S
of principal.
The Barclays U.S. Aggregate Bond Index is an unmanaged index of fixed-rate inves
U.S. Treasury Bond Index, the Barclays U.S. Government-Related Bond Index, the
Index.
The Barclays U.S. Treasury Inflation Protected Securities (TIPS) Index (Series-L) is
inflation-indexed bonds.
The Barclays U.S. Corporate High-Yield Bond Index covers the universe of fixed rat