Stocks are also referred to as equity securities since they represent ownership or equity in a company.

Bonds are also referred to as debt securities. They represent a loan to a government agency or private corporation who are obligated to repay the principal of the loan plus interest at a specified future date.

International Funds primarily invest in equity securities of companies based outside the United States including companies based in Asia, Europe and emerging markets.

International investments may be most appropriate for someone looking for greater potential returns and willing to accept a higher degree of risk. International investment may provide diversification for a domestic portfolio. Foreign investments involve special risks, including currency fluctuations and political developments. International securities may also be subject to somewhat higher taxation as well as less liquidity compared to domestic investments.

Small Cap Funds primarily invest in equity securities of public companies located in the United States that have market capitalizations less than two billion dollars. Market capitalization is a measure of a company's size and is calculated by multiplying the number of outstanding shares by the current market price.

Small-cap investments may be most appropriate for someone with a longer investment horizon, seeking long-term capital growth, and willing to accept larger market fluctuations. Equity securities of companies with relatively small market capitalizations may be more volatile than securities of larger, more established companies.

Mid Cap Funds primarily invest in equity securities of public companies located in the United States that have market capitalizations less than 10 billion dollars but greater than two billion dollars. Market capitalization is a measure of a company's size and is calculated by multiplying the number of outstanding shares by the current market price

Mid-cap investments may be most appropriate for someone seeking higher potential returns over time and willing to weather market downturns. Mid-cap stocks may be more volatile than large-cap stocks but with potentially higher return.

Large Cap Funds primarily invest in equity securities of public companies located in the United States that have market capitalizations greater than 10 billion dollars. Market capitalization is a measure of a company's size and is calculated by multiplying the number of outstanding shares by the current market price.

Large-cap investments may be most appropriate for someone willing to accept market fluctuations in return for long-term capital growth. Stock investments tend to be more volatile than bond or money market investments.

Balanced Funds use both stocks and bonds to moderate market fluctuations in the equity markets.

Balanced investments may be most appropriate for someone seeking a balance between income from bond investments and capital growth from equity investments in one option. The investor is willing to accept higher risk for greater potential returns, rather than investing in bonds alone.

Bond Funds primarily invest in debt securities of government agencies and private companies. They provide income based on the interest or yield of the underlying bonds. Changes in interest rates and the stability of the issuer can affect the value of the underlying bonds. Unlike money market and fixed funds, bond funds can result in a loss of principal.

Bond investments may be most appropriate for someone seeking higher potential income than with a money market fund or stable value investment. The investor may desire to balance some of their more aggressive investments, with one providing potentially steady income.

Profile Funds also known as asset allocation funds, invest in a mix of underlying funds across a variety of asset classes providing immediate diversification. Aggressive through conservative allocations are constructed by investing in international and domestic equity funds as well as intermediate and short term bond funds. The Profiles may include some investment options not directly available to your plan. For more information about the Profiles, including the eligible underlying portfolios, review the Fund Data Sheets or contact your registered representative.

An Aggressive Profile may be most appropriate for someone willing to weather market fluctuations in exchange for potentially higher long-term returns. This investor has a long investment horizon with at least ten years until retirement. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but do not have the time, desire, or knowledge to select and manage their own portfolios.

A Moderately Aggressive Profile may be most appropriate for someone with a high priority for capital growth and who is willing to accept a greater degree of risk. This investor is comfortable with the ups and downs of the market and has a medium to long term investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but do not have the time, desire, or knowledge to select and manage their own portfolios.

A Moderate Profile may be most appropriate for someone willing to balance the risk of principal fluctuation with the potential for greater capital growth over time. This investor may have a short, medium, or long time horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but do not have the time, desire, or knowledge to select and manage their own portfolios.

A Moderately Conservative Profile may be most appropriate for someone willing to take some risk to achieve higher potential returns but with a preference for some principal security. This investor may be approaching retirement, with a short to medium time horizon, or may prefer to take less risk than other investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but do not have the time, desire, or knowledge to select and manage their own portfolios.

A Conservative Profile may be most appropriate for someone whose highest priority is principal security and is willing to accept lower potential return. This investor may be approaching retirement, with a short time horizon, or may prefer to take less risk than other investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but do not have the time, desire, or knowledge to select and manage their own portfolios.

Fixed Funds primarily invest in short term to medium term, high quality debt securities. Each quarter a new rate is determined, effective for the remainder of the crediting period. They are also referred to as stable value funds since they strive to provide safety of principal and stable income.

Stable value investments may be most appropriate for someone wanting to safeguard principal value or to balance out a more aggressive portfolio. This investor may be nearing retirement and requires more stability and asset liquidity.

Money Market Funds invest in short term debt securities that earn interest and strive to maintain principal.

Money market investments may be most appropriate for someone wanting to safeguard principal value or to balance out a more aggressive portfolio. This investor may be nearing retirement and requires more stability and asset liquidity. An investment in a money market investment is neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC), or any other government agency. Yields may vary.

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