Morningstar Investment Profilessm: Investment Option Disclosure

For more complete information about any of the investment products available within the retirement plan, please call 800-345-2345. Investors should carefully consider the investment objectives, risks, charges and expenses of the fund. For those investment options containing registered mutual funds, please carefully read the prospectus, which contains this and other important information, before you invest or send money.
An investment in a Money Market Fund is 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.
The money market yield quotation illustrated in the performance data more closely reflects the current earnings of the money market than the total return quotations.
The information below may or may not be applicable to your plan.
A commingled fund is not a registered product but a collective trust fund. A collective fund is not a mutual fund and is exempt from SEC registration. Designed for and exclusively sold to qualified retirement plans and their participants, the funds are not available to individual retail investors.
A separate account is not a registered investment product but a separate account created specifically for the Plan. Separate accounts are not required to file a prospectus or registration statement with the SEC and accordingly neither is available.
A conduit account is not a registered investment product but a separate account created specifically for the Plan. The underlying assets of this fund are primarily invested within the fund listed in the “Investment Strategy” section of this fund fact sheet.
The lifestyle portfolio(s) is (are) a predetermined asset allocation among the core investment options available under the plan. The portfolio is not itself, nor is it intended to be, a security. You should review the prospectus for each mutual find included in this asset allocation for information regarding the funds, including fees and other charges.
Investment return and principal value of security investments will fluctuate. The value at the time of redemption may be more or less than original cost. Past performance is no guarantee of future results.
Investment in bond funds is subject to risks, especially interest rate risk. As interest rates rise, the prices of bonds will generally fall, and vice versa.
Equity securities of small and mid-sized companies may be more volatile than securities of larger, more established companies.
Foreign investments involve special risks, including currency fluctuations, taxation differences and political developments.
Real estate securities and trusts involve greater risks than other non-diversified investments, including but not limited to: declining property values, varying economic conditions, changes in zoning laws, or losses from casualty. Real estate securities that invest in foreign real estate involve additional risk, including currency fluctuations and political developments.
Special note regarding Target Date Funds:
The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. For more information, please refer to the fund prospectus and/or disclosure document.
A target date fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date (which is the assumed retirement date for an investor).
GWFS Equities, Inc., or one or more of its affiliates, may receive a fee from the investment option provider for providing certain recordkeeping, distribution and administrative services.
Not FDIC/NCUSIF Insured
Not a Deposit Product
May Lose Value
No Bank/Credit Union/Affiliate Guarantee