• NOT FDIC-INSURED
• MAY LOSE VALUE
• NO BANK GUARANTEE

Performance for periods prior to share class inception may be hypothetical performance from an older share class and restated by Morningstar to reflect any expense differences between the share classes. Since inception returns are not hypothetical.

Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Money market funds seek to maintain a stable net asset value of $1.00 per share. There is no guarantee they will be able to do so.

**The gross annual operating expense does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less.

Gross annual operating expenses are expenses that reduce the rate of return of the investment option. Shareholder-type fees are in addition to the gross annual operating expense and net expense ratio. The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the Department of Labor's Web site for an example showing the long-term effect of fees and expenses at http://www.dol.gov/ebsa/publications/401k employee.html. Fees and expenses are only one of many factors to consider when you decide to invest in an option. You may also want to think about whether an investment in a particular option, along with your other investments, will help you achieve your financial goals.

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Benchmark Note 2762 -

This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained by selecting the P icon next to the fund's name in the chart above. Investors should consider this information carefully before investing.

Visit www.InvestmentTerms.com for a glossary of investment terms relevant to investment options under this plan. This glossary is intended to help you better understand your options.

This information was prepared by DST Retirement Solutions (DST RS) and is intended for distribution to retirement plans, HSAs, and HRAs. Copyright 2015 Morningstar, Inc. and DST RS. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to DST RS; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither DST RS nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.