Page 184 - NovDefComp

Disclosure

Please note that all investments are subject to market and other risk factors, which could result in loss of principal.

The target date is the approximate date when investors plan on withdrawing their money. Generally, the asset allocation of each fund will change on an annual basis with the asset
allocation becoming more conservative as the fund nears the target retirement date. The principal value of the funds is not guaranteed at any time including at and after the target
date.

A stable value fund investment does not constitute a balanced investment program. A stable value fund is designed as a low-risk investment, but you could still lose money by
investing in it. The primary risk of investing in the fund are credit risk, income risk, inflation risk and market risk.

Money market investments are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the
value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.

Mutual funds are sold by prospectus only. Before investing, investors should carefully consider the investment objectives, risks, charges and expenses of a mutual fund.
The fund prospectus provides this and other important information. Please contact your representative or the Company to obtain a prospectus. Please read the
prospectus carefully before investing or sending money.

Any reproduction of this information, in whole or in part, is prohibited. The information contained herein has been prepared solely for informational purposes and is not an offer to buy
or sell or a solicitation of an offer to buy or sell any security or to participate in any trading strategy. All data presented herein is unaudited, subject to revision by NFP and is provided
solely as a guide to current expectations. This document is only made available to persons of a kind to who may lawfully be promoted.

This document was produced by and the opinions expressed are those of NFP as of the date of writing and are subject to change. This research is based on NFP proprietary
research and analysis of global markets and investing. The information and/or analysis contained in this material have been compiled or arrived at from sources believed to be
reliable, however NFP does not make any representation as their accuracy or completeness and does not accept liability for any loss arising from the use hereof. Some internally
generated information may be considered theoretical in nature and is subject to inherent limitations associated therein. The reader should not assume that any investments in sectors
and markets identified or described were or will be profitable. Investing entails risks, including possible loss of principal. The use of tools cannot guarantee performance. Past
performance is no guarantee of future results. The information in this material may contain projections or other forward-looking statements regarding future events, targets or
expectations, and is only current as of the date indicated. There is no assurance that such events or targets will be achieved, and may be significantly different than that shown here.
The information in this material, including statements concerning financial market trends, is based on current market conditions, which will fluctuate and may be superseded by
subsequent market events or for other reasons.

Securities may be offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment Advisory Services may be offered through NFP Retirement, Inc.
Kestra IS is affiliated with NFP Retirement Inc., a subsidiary of NFP. NFPR-2016-64 ACR#316575 06/19

For plan sponsor use only. Not for further distribution. 70