USC 403(B) PLAN. Investment Options Comparative Chart

Transcription

1 USC 403(B) PLAN Investment Options Comparative Chart Your plan allows you to direct how your contributions are invested. When making investment decisions, you should keep in mind how long you have until retirement, your tolerance for risk, how this retirement plan fits into your overall financial picture, and the impact of fees. The information on the following pages will help you compare investments that align with your retirement goals. Part I consists of performance and fee information for plan investment options. This part shows you how well the investments have performed in the past as well as any fees and expenses you will pay if you invest in an option. Part II contains information about the annuity options available within your employer's retirement plan. For more information on the impact of fees and expenses to your plan, refer to the Summary of Plan Services and Costs or visit the DOL's website at dol.gov/ebsa/publications/401k_employee.html. Fees are only one of many factors to consider when making an investment decision.

2 Part I. formance and Fee Information The following chart lists your plan's investment options and the performance of these options can vary based on market fluctuations. When evaluating performance of variable investment returns, you should consider comparing the returns of each investment to an appropriate benchmark, which is provided below. A benchmark is a generally accepted unmanaged group of securities whose performance is used as a standard point of reference to measure and compare investment gains or losses for variable return investments. Keep in mind that you may not invest in the benchmark indices which are shown for comparative purposes only. For investments that use a blend of stocks and bonds to limit risk, such as or Multi-asset funds, a difference from the benchmark may be due to a difference in the proportion of stocks to bonds in the fund when compared to the benchmark. information for fixed-return investments is not provided in this chart. Past performance does not indicate how an investment will perform in the future. TIAA-CREF Access the most up-to-date information about your investment options online at tiaa-cref.org/planinvestmentoptions, enter your plan ID, , and you'll be directed to plan and investment information. Visit for information and resources to help you make informed decisions. To request additional plan information or a paper copy of information available online, free of charge, contact TIAA-CREF at or write to us at TIAA-CREF, P.O. Box 1259, Charlotte, NC, Table 1 Variable Return Investments as of September 30, 2013 TIAA-CREF Returns/ Equities Morningstar Category Ticker Symbol Date Mutual Fund American Funds EuroPacific Growth Fund R6 MSCI All Country World Excluding-U.S. (GR) TIAA-CREF International Equity Fund Institutional Foreign Large Blend Foreign Large Blend RERGX 05/01/ N/A N/A $ $ N/A N/A TIIEX 07/01/ $ $5.20 MSCI EAFE Contractual Cap Exp: 02/28/2014 Fee: 2.00 if held < 60 Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. Part I. formance and fee information 2 of 45

3 TIAA-CREF Morningstar Category Ticker Symbol Date Returns/ American Funds Washington Mutual Investors Fund R6 Large Value RWMGX 05/01/ N/A N/A $ $3.00 S&P N/A N/A TIAA-CREF Large-Cap Value Fund Institutional Large Value TRLIX 10/01/ $ $4.60 Russell 1000 Value Contractual Cap Exp: 02/28/2014 TIAA-CREF Mid-Cap Growth Fund Institutional Mid-Cap Growth TRPWX 10/01/ $ $4.80 Russell Midcap Growth Contractual Cap Exp: 02/28/2014 TIAA-CREF Mid-Cap Value Fund Institutional Mid-Cap Value TIMVX 10/01/ $ $4.60 Russell Midcap Value Contractual Cap Exp: 02/28/2014 TIAA-CREF Small-Cap Equity Fund Institutional Small Blend TISEX 10/01/ $ $4.80 Russell Contractual Cap Exp: 02/28/2014 Variable Annuity CREF Equity Account Large Blend CEQX# 04/29/ $ $4.20 Russell CREF Stock Account Large Blend CSTK# 07/31/ $ $4.90 Russell N/A Fee: 2.00 if held < 60 Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. Round Trip: If a round trip is made within 60, exchanges into the same account will be restricted for 90. Round Trip: If a round trip is made within 60, exchanges into the same account will be restricted for 90. Part I. formance and fee information 3 of 45

4 TIAA-CREF CREF Growth Account Morningstar Category Ticker Symbol Date Returns/ Large Growth CGRW# 04/29/ $ $4.60 Russell 1000 Growth CREF Global Equities Account World Stock CGLB# 05/01/ $ $5.30 MSCI World Fixed Income Mutual Fund Round Trip: If a round trip is made within 60, exchanges into the same account will be restricted for 90. Round Trip: If a round trip is made within 60, exchanges into the same account will be restricted for 90. Western Asset Core Plus Bond Fund IS Barclays U.S. Aggregate Bond Variable Annuity Intermediate- Term Bond WAPSX 08/04/ N/A $ $ N/A 5.18 Contractual Cap Exp: 12/31/2014 Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. CREF Inflation-Linked Bond Account Barclays U.S. Treasury Inflation Protected Securities (TIPS) (Series-L) CREF Bond Market Account Barclays U.S. Aggregate Bond Money Market Inflation- Protected Bond Intermediate- Term Bond CILB# 05/01/ $ $ CBND# 03/01/ $ $ Round Trip: If a round trip is made within 60, exchanges into the same account will be restricted for 90. Round Trip: If a round trip is made within 60, exchanges into the same account will be restricted for 90. Variable Annuity Part I. formance and fee information 4 of 45

5 TIAA-CREF Returns/ CREF Money Market Account 7-day current annualized yield 0.00 as of 24-SEP-13 7-day effective annualized yield 0.00 as of 24-SEP-13 imoney Money Fund Report Averages-All Taxable Multi-Asset Morningstar Category Money Market- Taxable Ticker Symbol Date CMMA# 04/01/ $ $ Mutual Fund TIAA-CREF Lifecycle Retirement Income Fund Institutional Barclays U.S. Aggregate Bond Retirement Income TLRIX 11/30/ N/A $ $ N/A 4.78 Contractual Waiver Exp: 09/30/2013 Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. TIAA-CREF Lifecycle 2010 Fund Institutional Barclays U.S. Aggregate Bond TIAA-CREF Lifecycle 2015 Fund Institutional TCTIX 01/17/ N/A $ $ N/A 4.66 Contractual Waiver Exp: 09/30/2013 TCNIX 01/17/ N/A $ $4.20 Russell N/A 7.54 Contractual Waiver Exp: 09/30/2013 TIAA-CREF Lifecycle 2020 Fund Institutional TCWIX 01/17/ N/A $ $4.40 Russell N/A 7.54 Contractual Waiver Exp: 09/30/2013 TIAA-CREF Lifecycle 2025 Fund Institutional TCYIX 01/17/ N/A $ $4.60 Russell N/A 7.54 Contractual Waiver Exp: 09/30/2013 Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. Part I. formance and fee information 5 of 45

6 TIAA-CREF Returns/ Morningstar Category Ticker Symbol Date TIAA-CREF Lifecycle 2030 Fund Institutional TCRIX 01/17/ N/A $ $4.70 Russell N/A 7.54 Contractual Waiver Exp: 09/30/2013 TIAA-CREF Lifecycle 2035 Fund Institutional TCIIX 01/17/ N/A $ $4.80 Russell N/A 7.54 Contractual Waiver Exp: 09/30/2013 TIAA-CREF Lifecycle 2040 Fund Institutional TCOIX 01/17/ N/A $ $4.90 Russell N/A 7.54 Contractual Waiver Exp: 09/30/2013 TIAA-CREF Lifecycle 2045 Fund Institutional TTFIX 11/30/ N/A $ $4.90 Russell N/A 5.06 Contractual Waiver Exp: 09/30/2013 TIAA-CREF Lifecycle 2050 Fund Institutional TFTIX 11/30/ N/A $ $4.90 Russell N/A 5.06 Contractual Waiver Exp: 09/30/2013 Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. TIAA-CREF Lifecycle 2055 Fund Institutional TTRIX 04/29/ N/A N/A $ $4.90 Russell N/A N/A Contractual Waiver Exp: 09/30/2013 Variable Annuity CREF Social Choice Account Moderate Allocation CSCL# 03/01/ $ $4.50 Russell Real Estate Round Trip: You cannot exchange into the fund within 30 of exchanging out of the fund. Round Trip: If a round trip is made within 60, exchanges into the same account will be restricted for 90. Part I. formance and fee information 6 of 45

7 TIAA-CREF Returns/ Morningstar Category Ticker Symbol Date Variable Annuity TIAA Real Estate Account N/A TREA# 10/02/ N/A 0.90 $ $9.00 S&P N/A Transfers out: Limit 1 per quarter. Limitations may apply to any transaction resulting in a balance > $150,000. FIDELITY INVESTMENTS To request additional plan information from this service provider or a paper copy of information available online, free of charge, contact: PO Box Cincinnati OH Table 1 Variable Return Investments as of September 30, 2013 FIDELITY INVESTMENTS Returns/ Allocation Morningstar Category Ticker Symbol Date Mutual Fund Fidelity Asset Manager 85 Aggressive Allocation FAMRX 09/24/ $ $8.20 S&P 500 TR USD Fidelity Four-in-One Aggressive Allocation FFNOX 06/29/ $ $2.20 S&P 500 TR USD Fidelity Asset Manager 20 Conservative Allocation FASIX 10/01/ $ $5.40 Barclays US Agg Bond TR USD Part I. formance and fee information 7 of 45

8 FIDELITY INVESTMENTS Returns/ Morningstar Ticker Category Symbol Date Fidelity Asset Manager 30 Conservative Allocation FTANX 10/09/ N/A $ $5.90 Barclays US Agg Bond TR USD Fidelity Asset Manager 40 Conservative Allocation FFANX 10/09/ N/A $ $5.90 Barclays US Agg Bond TR USD Fidelity Strategic Real Return Conservative Allocation FSRRX 09/07/ N/A $ $7.50 Barclays US Treasury US TIPS TR USD Fidelity Asset Manager 50 Moderate Allocation FASMX 12/28/ $ $7.00 S&P 500 TR USD Fidelity Asset Manager 60 Moderate Allocation FSANX 10/09/ N/A $ $7.80 S&P 500 TR USD Fidelity Asset Manager 70 Moderate Allocation FASGX 12/30/ $ $7.70 S&P 500 TR USD Fidelity Balanced K Moderate Allocation FBAKX 05/09/ N/A $ $4.80 S&P 500 TR USD Fidelity Puritan K Moderate Allocation FPUKX 05/09/ N/A $ $4.80 S&P 500 TR USD Fidelity Freedom K Income Retirement Income FFKAX 07/02/ N/A N/A $ $4.50 Barclays US Agg Bond TR USD Fidelity Freedom K FFKBX 07/02/ N/A N/A $ $4.50 Barclays US Agg Bond TR USD Fidelity Freedom K FFKVX 07/02/ N/A N/A $ $5.00 Barclays US Agg Bond TR USD Fidelity Freedom K FFKCX 07/02/ N/A N/A $ $5.40 Barclays US Agg Bond TR USD Fidelity Freedom K FFKDX 07/02/ N/A N/A $ $5.90 S&P 500 TR USD Fee: 0.75 if held < 60 Part I. formance and fee information 8 of 45

9 FIDELITY INVESTMENTS Returns/ Morningstar Ticker Category Symbol Date Fidelity Freedom K FKTWX 07/02/ N/A N/A $ $6.20 S&P 500 TR USD Fidelity Freedom K FFKEX 07/02/ N/A N/A $ $6.70 S&P 500 TR USD Fidelity Freedom K FKTHX 07/02/ N/A N/A $ $6.80 S&P 500 TR USD Fidelity Freedom K FFKFX 07/02/ N/A N/A $ $6.80 S&P 500 TR USD Fidelity Freedom K FFKGX 07/02/ N/A N/A $ $6.90 S&P 500 TR USD Fidelity Freedom K FFKHX 07/02/ N/A N/A $ $6.90 S&P 500 TR USD Fidelity Freedom K FDENX 06/01/ N/A N/A $ $6.90 S&P 500 TR USD Fidelity Global Balanced World Allocation FGBLX 02/01/ $ $10.40 MSCI World NR USD World Fidelity Global Strategies FDYSX 10/31/ N/A $ $8.20 Allocation MSCI ACWI NR USD Contractual Waiver Exp: 07/01/2014 Equities Fee: 1.00 if Mutual Fund Fidelity China Region China Region FHKCX 11/01/ $ $10.40 Fee: 1.50 if MSCI AC Golden Dragon NR USD N/A Fidelity Select Communicatio FSTCX 07/29/ $ $8.70 Telecommunications ns Fee: 0.75 if S&P 500 TR USD Fidelity Select Wireless Communicatio ns FWRLX 09/21/ $ $9.00 Fee: 0.75 if Part I. formance and fee information 9 of 45

10 FIDELITY INVESTMENTS Morningstar Category Ticker Symbol Date Returns/ S&P 500 TR USD Fidelity Select Automotive Consumer Cyclical FSAVX 06/30/ $ $9.10 S&P 500 TR USD Fidelity Select Construction & Housing Consumer Cyclical FSHOX 09/29/ $ $8.60 S&P 500 TR USD Voluntary Waiver Fidelity Select Consumer Discretionary Consumer Cyclical FSCPX 06/29/ $ $8.60 S&P 500 TR USD Fidelity Select Leisure Consumer Cyclical FDLSX 05/08/ $ $8.50 S&P 500 TR USD Voluntary Waiver Fidelity Select Multimedia Consumer Cyclical FBMPX 06/30/ $ $8.80 S&P 500 TR USD Voluntary Waiver Fidelity Select Retailing Consumer Cyclical FSRPX 12/16/ $ $8.60 S&P 500 TR USD Voluntary Waiver Fidelity Select Consumer Staples Consumer Defensive FDFAX 07/29/ $ $8.10 S&P 500 TR USD Voluntary Waiver Fidelity EMEA Diversified Emerging Mkts FEMEX 05/08/ N/A $ $13.70 MSCI EM EMEA NR USD Diversified Fidelity Emerg Mkts Discv Emerging FEDDX 11/01/ N/A N/A $ $15.00 Mkts MSCI EM NR USD Contractual Waiver Exp: 12/31/2013 Diversified Fidelity Emerging Markets K Emerging FKEMX 05/09/ N/A $ $8.70 Mkts MSCI EM NR USD Fee: 0.75 if Fee: 0.75 if Fee: 0.75 if Fee: 0.75 if Fee: 0.75 if Fee: 0.75 if Fee: 0.75 if Fee: 1.50 if Fee: 2.00 if Fee: 1.50 if Part I. formance and fee information 10 of 45

11 FIDELITY INVESTMENTS Returns/ Morningstar Ticker Category Symbol Date Diversified Fidelity Spartan EMkts Idx Emerging Advtg Mkts FPMAX 09/08/ N/A N/A $ $2.00 FTSE Emerging TR USD Contractual Waiver Exp: 12/31/2013 Diversified Fidelity Total Emerg Mkts Emerging FTEMX 11/01/ N/A N/A $ $14.00 Mkts MSCI EM NR USD Contractual Waiver Exp: 12/31/2013 Strategic Advisers Em Mkts Fd of Fds Diversified Emerging Mkts FLILX 05/02/ N/A N/A $ $12.20 MSCI EM NR USD Contractual Waiver Exp: 04/30/2014 Diversified Fidelity Pacific Basin FPBFX 10/01/ $ $12.80 Pacific/Asia MSCI Pacific NR USD Fee: 1.50 if Fee: 1.50 if Fee: 1.50 if Fee: 1.50 if Fidelity Select Energy Equity Energy FSENX 07/14/ $ $8.20 Fee: 0.75 if S&P 500 TR USD Fidelity Select Energy Service Equity Energy FSESX 12/16/ $ $8.20 Fee: 0.75 if S&P 500 TR USD Fidelity Select Natural Gas Equity Energy FSNGX 04/21/ $ $8.70 S&P 500 TR USD Fidelity Select Natural Resources Equity Energy FNARX 03/03/ $ $8.60 S&P 500 TR USD Fee: 0.75 if Fee: 0.75 if Equity Fidelity Select Gold Precious FSAGX 12/16/ $ $9.20 Fee: 0.75 if Metals S&P 500 TR USD Fidelity Europe Europe Stock FIEUX 10/01/ $ $8.30 Fee: 1.00 if MSCI Europe NR USD Fidelity Europe Capital Europe Stock FECAX 12/21/ $ $9.50 Appreciation MSCI Europe NR USD Fee: 1.00 if Part I. formance and fee information 11 of 45

12 FIDELITY INVESTMENTS Returns/ Morningstar Ticker Category Symbol Date Fidelity Select Banking Financial FSRBX 06/30/ $ $8.50 Fee: 0.75 if S&P 500 TR USD Fidelity Select Brokerage & Financial FSLBX 07/29/ $ $17.90 Invmt Mgmt Fee: 0.75 if S&P 500 TR USD Fidelity Select Consumer Finance Financial FSVLX 12/16/ $ $8.90 S&P 500 TR USD Fee: 0.75 if Fidelity Select Financial Financial FIDSX 12/10/ $ $9.60 Services Fee: 0.75 if S&P 500 TR USD Fidelity Select Insurance Financial FSPCX 12/16/ $ $8.70 S&P 500 TR USD Fidelity Diversified International K Foreign Large Blend FDIKX 05/09/ N/A $ $8.40 MSCI EAFE NR USD Fidelity International Enhanced Foreign Large Blend FIENX 12/20/ N/A $ $6.30 MSCI EAFE NR USD Fidelity Overseas K Foreign Large Blend FOSKX 05/09/ N/A $ $5.10 MSCI EAFE NR USD Fidelity Spartan Glb ex US Idx Advtg Foreign Large Blend FSGDX 09/08/ N/A N/A $ $1.80 MSCI ACWI Ex USA NR USD Contractual Waiver Exp: 12/31/2013 Fidelity Spartan Intl Idx Instl Foreign Large Blend FSPNX 09/08/ N/A N/A $ $0.70 MSCI EAFE NR USD Contractual Waiver Exp: 04/30/2014 Fidelity Total International Equity Foreign Large Blend FTIEX 11/01/ N/A $ $11.60 MSCI ACWI Ex USA NR USD Fee: 0.75 if Fee: 1.00 if Fee: 1.00 if Fee: 1.00 if Fee: 1.00 if Fee: 1.00 if Fee: 1.00 if Part I. formance and fee information 12 of 45

13 FIDELITY INVESTMENTS Fidelity International Discovery K Morningstar Category Foreign Large Blend Ticker Symbol Date Returns/ FIDKX 05/09/ N/A $ $8.40 MSCI EAFE NR USD Strategic Advisers Intl Multi-Mgr Foreign Large Blend FMJDX 05/02/ N/A N/A $ $11.80 MSCI ACWI Ex USA NR USD Contractual Waiver Exp: 04/30/2014 Fidelity International Capital Apprec Foreign Large Growth FIVFX 11/01/ $ $12.20 MSCI ACWI Ex USA NR USD N/A Fidelity International Growth Foreign Large Growth FIGFX 11/01/ N/A $ $12.00 MSCI EAFE Growth NR USD Contractual Waiver Exp: 12/31/2014 Fidelity International Value Foreign Large Value FIVLX 05/18/ N/A $ $11.30 MSCI EAFE Value NR USD Fidelity International Small Cap Foreign Small/Mid Growth FISMX 09/18/ $ $13.60 MSCI EAFE Small Cap NR USD Fidelity International Small Cap Opp Foreign Small/Mid Growth FSCOX 08/02/ N/A $ $14.00 MSCI EAFE Small Cap NR USD Fee: 1.00 if Fee: 1.00 if Fee: 1.00 if Fee: 1.00 if Fee: 1.00 if Fee: 2.00 if Fee: 2.00 if Fidelity Select Biotechnology Health FBIOX 12/16/ $ $8.10 Fee: 0.75 if S&P 500 TR USD Fidelity Select Health Care Health FSPHX 07/14/ $ $7.90 Fee: 0.75 if S&P 500 TR USD Fidelity Select Medical Delivery Health FSHCX 06/30/ $ $8.40 Fee: 0.75 if S&P 500 TR USD Fidelity Select Medical Equip & Health FSMEX 04/28/ $ $8.30 Systems Fee: 0.75 if S&P 500 TR USD Fidelity Select Pharmaceuticals Health FPHAX 06/18/ $ $8.50 Part I. formance and fee information 13 of 45

14 FIDELITY INVESTMENTS Returns/ Morningstar Ticker Category Symbol Date Fee: 0.75 if S&P 500 TR USD Fidelity Select Air Industrials FSAIX 12/16/ $ $9.40 Transportation Fee: 0.75 if S&P 500 TR USD Fidelity Select Defense & Industrials FSDAX 05/08/ $ $8.40 Aerospace Fee: 0.75 if S&P 500 TR USD Fidelity Select Envir and Alt Industrials FSLEX 06/29/ $ $9.90 Energy Fee: 0.75 if S&P 500 TR USD Fidelity Select Industrial Industrials FSCGX 09/29/ $ $8.20 Equipment Fee: 0.75 if S&P 500 TR USD Fidelity Select Industrials Industrials FCYIX 03/03/ $ $8.50 Fee: 0.75 if S&P 500 TR USD Fidelity Select Transportation Industrials FSRFX 09/29/ $ $8.90 Fee: 0.75 if S&P 500 TR USD Fidelity Japan Japan Stock FJPNX 09/15/ $ $10.90 Fee: 1.50 if Topix TR JPY Fidelity Japan Smaller Japan Stock FJSCX 11/01/ $ $10.50 Companies Fee: 1.50 if MSCI Japan NR USD Fidelity 130/30 Large Cap Large Blend FOTTX 03/31/2008 N/A N/A N/A N/A N/A N/A N/A N/A S&P 500 TR N/A N/A N/A N/A Fidelity Disciplined Equity K Large Blend FDEKX 05/09/ N/A $ $3.90 S&P 500 TR USD Fidelity Dividend Growth K Large Blend FDGKX 05/09/ N/A $ $4.90 S&P 500 TR USD Fidelity Growth & Income K Large Blend FGIKX 05/09/ N/A $ $5.40 S&P 500 TR USD Part I. formance and fee information 14 of 45

15 FIDELITY INVESTMENTS Fidelity Large Cap Core Enhanced Morningstar Category Ticker Symbol Date Returns/ Large Blend FLCEX 04/19/ N/A $ $4.50 S&P 500 TR USD Fidelity Large Cap Stock Large Blend FLCSX 06/22/ $ $8.50 S&P 500 TR USD Fidelity Spartan 500 Institutional Large Blend FXSIX 05/04/ N/A N/A $ $0.40 S&P 500 TR USD Contractual Waiver Exp: 04/30/2014 Fidelity Spartan Ttl Mkt Idx Instl Large Blend FSKTX 09/08/ N/A N/A $ $0.50 Fee: 0.50 if DJ US Total Stock Market TR USD Contractual Waiver Exp: 04/30/2014 Fidelity Value Discovery K Large Blend FVDKX 05/09/ N/A $ $5.70 Russell 3000 Value TR USD Fidelity Mega Cap Stock Large Blend FGRTX 12/28/ $ $7.00 S&P 500 TR USD Strategic Advisers Core Multi- Mgr Large Blend FLAUX 11/16/ N/A N/A $ $9.80 S&P 500 TR USD Contractual Waiver Exp: 07/31/2014 Fidelity Advisor Stock Sel All Cp K Large Growth FSSKX 05/09/ N/A $ $6.10 S&P 500 TR USD Fidelity Blue Chip Growth K Large Growth FBGKX 05/09/ N/A $ $6.10 Russell 1000 Growth TR USD Fidelity Capital Appreciation K Large Growth FCAKX 05/09/ N/A $ $8.10 S&P 500 TR USD Fidelity Contrafund K Large Growth FCNKX 05/09/ N/A $ $6.30 S&P 500 TR USD Fidelity Export & Multinational K Large Growth FEXKX 05/09/ N/A $ $6.50 Fee: 0.75 if S&P 500 TR USD Fidelity Fifty Large Growth FFTYX 09/17/ $ $8.30 S&P 500 TR USD Fidelity Focused Stock Large Growth FTQGX 11/12/ $ $9.30 S&P 500 TR USD Fidelity Growth Company K Large Growth FGCKX 05/09/ N/A $ $7.70 Part I. formance and fee information 15 of 45

16 FIDELITY INVESTMENTS Returns/ Morningstar Ticker Category Symbol Date Russell 3000 Growth TR USD Fidelity Growth Discovery K Large Growth FGDKX 05/09/ N/A $ $7.20 Russell 3000 Growth TR USD Fidelity Independence K Large Growth FDFKX 05/09/ N/A $ $6.60 S&P 500 TR USD Fidelity K Large Growth FFDKX 05/09/ N/A $ $4.20 S&P 500 TR USD Fidelity Large Cap Growth Large Growth FSLGX 11/15/2001 N/A N/A N/A N/A N/A N/A N/A N/A Russell 1000 Growth TR USD N/A N/A N/A N/A Fidelity Large Cap Growth Enhanced Large Growth FLGEX 04/19/ N/A $ $4.50 Russell 1000 Growth TR USD Fidelity Magellan K Large Growth FMGKX 05/09/ N/A $ $3.90 S&P 500 TR USD Fidelity Nasdaq Composite Large Growth FNCMX 09/25/ $ $2.90 NASDAQ Composite TR USD N/A N/A Contractual Waiver Exp: 01/31/2014 Fidelity New Millennium Large Growth FMILX 12/28/ $ $9.60 S&P 500 TR USD Fidelity OTC K Large Growth FOCKX 05/09/ N/A $ $6.20 NASDAQ Composite TR USD N/A 9.53 Fidelity Trend Large Growth FTRNX 06/16/ $ $8.90 Russell 1000 Growth TR USD N/A Strategic Advisers Growth Multi- Mgr Large Growth FMELX 11/16/ N/A N/A $ $8.80 Russell 1000 Growth TR USD Fidelity Blue Chip Value Large Value FBCVX 06/17/ $ $7.70 Russell 1000 Value TR USD Fidelity Equity Dividend Income K Large Value FETKX 05/09/ N/A $ $5.40 Russell 3000 Value TR USD Fidelity Equity-Income K Large Value FEIKX 05/09/ N/A $ $5.40 Russell 3000 Value TR USD Fidelity Large Cap Value Enhanced Large Value FLVEX 04/19/ N/A $ $4.70 Fee: 0.75 if Part I. formance and fee information 16 of 45

17 FIDELITY INVESTMENTS Returns/ Morningstar Ticker Category Symbol Date Russell 1000 Value TR USD Fidelity Stock Selec Lg Cp Val Large Value FSLVX 11/15/ $ $5.70 Russell 1000 Value TR USD Fidelity Strategic Dividend & Income Large Value FSDIX 12/23/ N/A $ $8.10 S&P 500 TR USD Strategic Advisers Value Multi- Mgr Large Value FKMOX 11/16/ N/A N/A $ $9.90 Russell 1000 Value TR USD Contractual Waiver Exp: 07/31/2014 Fidelity Latin America Latin America Stock FLATX 04/19/ $ $10.20 MSCI EM Latin America NR USD N/A Fidelity Leveraged Company Stock K Mid-Cap Blend FLCKX 05/09/ N/A $ $6.90 S&P 500 TR USD Fidelity Low-Priced Stock K Mid-Cap Blend FLPKX 05/09/ N/A $ $6.80 Russell 2000 TR USD Fidelity Mid Cap Enhanced Mid-Cap Blend FMEIX 12/20/ N/A $ $6.20 Russell Mid Cap TR USD Fidelity Spartan Extnd Mkt Idx Advtg DJ US Completion Float Adjusted TR USD Fidelity Spartan Mid Cap Idx Advtg Mid-Cap Blend Mid-Cap Blend FSEVX 10/14/ N/A $ $ FSCKX 09/08/ N/A N/A $ $1.00 Russell Mid Cap TR USD Contractual Waiver Exp: 06/30/2014 Fidelity Value Strategies K Mid-Cap Blend FVSKX 05/09/ N/A $ $7.10 Russell Mid Cap Value TR USD Fidelity Growth Strategies K Mid-Cap Growth FAGKX 05/09/ N/A $ $4.80 Russell Mid Cap Growth TR USD Fidelity Mid-Cap Stock K Mid-Cap Growth FKMCX 05/09/ N/A $ $5.10 Fee: 1.50 if Fee: 1.50 if Fee: 1.50 if Fee: 0.75 if Fee: 0.75 if Fee: 0.75 if Fee: 1.50 if Fee: 0.75 if Part I. formance and fee information 17 of 45

18 FIDELITY INVESTMENTS Returns/ Morningstar Ticker Category Symbol Date S&P MidCap 400 TR Fidelity Stock Selector Mid Cp Mid-Cap Growth FSSMX 06/06/ N/A N/A $ $5.90 S&P MidCap 400 TR Fidelity Mid Cap Value Mid-Cap Value FSMVX 11/15/ $ $8.50 Russell Mid Cap Value TR USD Fidelity Value K Mid-Cap Value FVLKX 05/09/ N/A $ $5.40 Russell Mid Cap Value TR USD Fidelity Canada Miscellaneous Region FICDX 11/17/ $ $7.70 S&P/TSX Composite TR Fidelity Nordic Miscellaneous Region FNORX 11/01/ $ $10.80 MSCI World NR USD Fidelity Global Cmdty Stk Natural Resources FFGCX 03/25/ N/A N/A $ $11.00 MSCI ACWI NR USD Fidelity Select Chemicals Natural Resources FSCHX 07/29/ $ $8.30 S&P 500 TR USD Fidelity Select Materials Natural Resources FSDPX 09/29/ $ $8.50 S&P 500 TR USD Fidelity Emerging Asia Pacific/Asia ex-japan Stk FSEAX 04/19/ $ $9.40 MSCI AC Asia Ex Japan NR USD N/A Fee: 0.75 if Fee: 1.50 if Fee: 1.50 if Fee: 1.00 if Fee: 0.75 if Fee: 0.75 if Fee: 1.50 if Fidelity Small Cap Discovery Small Blend FSCRX 09/26/ $ $10.60 Fee: 1.50 if Russell 2000 TR USD Fidelity Small Cap Enhanced Small Blend FCPEX 12/20/ N/A $ $7.60 Russell 2000 TR USD Fee: 1.50 if Fidelity Small Cap Stock Small Blend FSLCX 03/12/ $ $7.20 Part I. formance and fee information 18 of 45

19 FIDELITY INVESTMENTS Returns/ Morningstar Ticker Category Symbol Date Fee: 2.00 if Russell 2000 TR USD Fidelity Spartan Sm Cp Idx Small Blend FSSVX 09/08/ N/A N/A $ $1.90 Advtg Fee: 1.50 if Russell 2000 TR USD Contractual Waiver Exp: 06/30/2014 Fidelity Stock Selector Sm Cp Small Blend FDSCX 06/28/ $ $10.70 Fee: 1.50 if Russell 2000 TR USD Strategic Advisers S-M Cp Small Blend FNAPX 12/20/ N/A N/A $ $12.00 Multi-Mgr Fee: 1.50 if Russell 2500 TR USD Contractual Waiver Exp: 04/30/2014 Fidelity Small Cap Growth Small Growth FCPGX 11/03/ N/A $ $10.30 Fee: 1.50 if Russell 2000 Growth TR USD Fidelity Small Cap Value Small Value FCPVX 11/03/ N/A $ $11.30 Fee: 1.50 if Russell 2000 Value TR USD Fidelity Select Communications Technology FSDCX 06/29/ $ $9.30 Equip Fee: 0.75 if S&P 500 TR USD Fidelity Select Computers Technology FDCPX 07/29/ $ $8.50 Fee: 0.75 if S&P 500 TR USD Fidelity Select Electronics Technology FSELX 07/29/ $ $8.40 Fee: 0.75 if S&P 500 TR USD Fidelity Select IT Services Technology FBSOX 02/04/ $ $8.60 S&P 500 TR USD Fidelity Select Software & Comp Technology FSCSX 07/29/ $ $8.20 S&P 500 TR USD Fidelity Select Technology Technology FSPTX 07/14/ $ $8.10 Fee: 0.75 if Fee: 0.75 if Fee: 0.75 if Part I. formance and fee information 19 of 45

20 FIDELITY INVESTMENTS Returns/ Morningstar Ticker Category Symbol Date S&P 500 TR USD Fidelity Select Utilities Portfolio Utilities FSUTX 12/10/ $ $8.30 Fee: 0.75 if S&P 500 TR USD Fidelity Telecom and Utilities Utilities FIUIX 11/27/ $ $8.30 S&P 500 TR USD Fidelity Global Equity Income World Stock FGILX 05/02/ N/A N/A $ $12.00 Fee: 1.00 if MSCI World NR USD Contractual Waiver Exp: 12/31/2013 Fidelity Worldwide World Stock FWWFX 05/30/ $ $11.10 Fee: 1.00 if MSCI World NR USD Fixed Income Mutual Fund Fidelity New Markets Income Emerging Markets Bond FNMIX 05/04/ $ $8.70 JPM EMBI Global TR USD N/A Fidelity Capital & Income BofAML US HY Master II Constnd TR USD Fidelity Focused High Income High Yield Bond High Yield Bond FAGIX 11/01/ $ $ N/A FHIFX 09/08/ N/A $ $8.10 BofAML US HY Master II TR USD Fidelity Global High Income High Yield Bond FGHNX 05/11/ N/A N/A $ $9.60 BofAML US HY Master II TR USD Fidelity High Income BofAML US HY Master II Constnd TR USD Strategic Advisers Inc Opps Fd of Fds High Yield Bond High Yield Bond SPHIX 08/29/ $ $ N/A FSADX 06/19/ N/A N/A $ $8.10 BofAML US HY Master II TR USD Contractual Waiver Exp: 04/30/2014 Fee: 1.00 if Fee: 1.00 if Fee: 1.00 if Fee: 1.00 if Fee: 1.00 if Fee: 1.00 if Part I. formance and fee information 20 of 45

21 FIDELITY INVESTMENTS Fidelity Inflation-Protected Bond Barclays US Treasury US TIPS TR USD Fidelity Spartan Infl-Prot Bd Idx Fid Ad Barclays US Treasury US TIPS TR USD Morningstar Category Inflation- Protected Bond Inflation- Protected Bond Ticker Symbol Date Returns/ FINPX 06/26/ $ $ FSIYX 05/16/ N/A N/A $ $ Fidelity Intermediate Bond Barclays US Govt/Credit Interm TR USD Fidelity GNMA Fund Intermediate Government FGMNX 11/08/ $ $4.50 Barclays GNMA TR USD Fidelity Government Income Intermediate Government FGOVX 04/04/ $ $4.50 Barclays US Government TR USD Fidelity Intermediate Intermediate Government Inc Government FSTGX 05/02/ $ $4.50 Barclays US Govt Interm TR USD Fidelity Spartan Interm Trs Bd Intermediate Idx Advtg Government FIBAX 12/20/ N/A $ $1.00 Barclays US Government TR USD Fidelity Corporate Bond Intermediate- Term Bond FCBFX 05/04/ N/A N/A $ $4.50 Barclays US Credit TR USD Intermediate- Term Bond FTHRX 05/23/ $ $ Strategic Advisers Core Inc Multi-Mgr Fidelity Investment Grade Bond Intermediate- Term Bond FBNDX 08/06/ $ $4.50 Barclays US Agg Bond TR USD N/A Fidelity Mortgage Secs Intermediate- Term Bond FMSFX 12/31/ $ $4.50 Barclays US MBS TR USD Fidelity Spartan US Bond Idx Intermediate- Instl Term Bond FXSTX 05/04/ N/A N/A $ $0.70 Barclays US Agg Bond TR USD Fidelity Total Bond Intermediate- Term Bond FTBFX 10/15/ $ $4.50 Barclays US Agg Bond TR USD Intermediate- Term Bond FWHBX 06/19/ N/A N/A $ $5.90 Part I. formance and fee information 21 of 45

22 FIDELITY INVESTMENTS Returns/ Morningstar Ticker Category Symbol Date Barclays US Govt/Credit 5-10 Yr TR USD Contractual Waiver Exp: 04/30/2014 Fidelity Spartan L/T Tr Bd Idx Long Fid Advt Government FLBAX 12/20/ N/A $ $1.00 Barclays US Treasury Long TR USD Fidelity Strategic Income Multisector Bond FSICX 05/01/ $ $7.00 BofAML US HY Master II Constnd TR USD Fidelity Limited Term Short Government Government FFXSX 11/10/ $ $4.50 Barclays Government 1-5 Yr TR USD Fidelity Spartan S/T Tr Bd Idx Short Fid Advt Government FSBAX 12/20/ N/A $ $1.00 Barclays Government 1-5 Yr TR USD Fidelity Short-Term Bond Short-Term Bond FSHBX 09/15/ $ $4.50 Barclays US Govt/Credit 1-3 Yr TR USD Fidelity Conservative Income Bond Barclays Govt/Corp 1 Yr Duration TR USD Fidelity Ultra-Short Bond Barclays Bellwether Swap 6 Mon TR USD Ultrashort Bond Ultrashort Bond FCONX 03/03/ N/A N/A $ $ FUSFX 08/29/ $ $ Fidelity Global Bond World Bond FGBFX 05/22/ N/A N/A $ $7.50 Citi WGBI NonUSD USD Contractual Waiver Exp: 02/28/2014 Fidelity International Bond World Bond FINUX 05/22/ N/A N/A $ $7.50 Citi WGBI NonUSD USD Contractual Waiver Exp: 02/28/2014 Money Market Fee: 0.25 if held < 60 Mutual Fund Fidelity Government Money Market Money Market- Taxable SPAXX 02/05/ $ $4.20 USTREAS T-Bill Auction Ave 3 Mon Fidelity Money Market Money Market- SPRXX 01/23/ $ $4.20 Taxable USTREAS T-Bill Auction Ave 3 Mon Part I. formance and fee information 22 of 45

23 FIDELITY INVESTMENTS Returns/ Morningstar Ticker Category Symbol Date Money Fidelity Money: Retirement Govt Market- MMkt Taxable FGMXX 12/16/ $ $4.20 USTREAS T-Bill Auction Ave 3 Mon Fidelity Retirement Money Market Money Market- Taxable FRTXX 12/02/ $ $4.20 USTREAS T-Bill Auction Ave 3 Mon Fidelity Select Money Market Money Market- FSLXX 08/30/ $ $3.00 Taxable USTREAS T-Bill Auction Ave 3 Mon Fidelity Treasury Only Money Market Money Market- Taxable FDLXX 01/05/ $ $4.20 USTREAS T-Bill Auction Ave 3 Mon Fidelity US Government Reserves Money Market- Taxable FGRXX 11/03/ $ $3.20 USTREAS T-Bill Auction Ave 3 Mon Other Mutual Fund Fidelity Floating Rate High Income Bank Loan FFRHX 09/19/ $ $7.10 Barclays Govt/Credit 1-5 Yr TR USD Fidelity Convertible Securities Convertibles FCVSX 01/05/ $ $7.60 BofAML All Convertible All Qualities N/A Real Estate Fee: 1.00 if held < 60 Mutual Fund Fidelity International Real Global Real FIREX 09/08/ N/A $ $11.60 Estate Estate Fee: 1.50 if MSCI EAFE NR USD Voluntary Waiver Fidelity Real Estate Income Real Estate FRIFX 02/04/ $ $8.40 Fee: 0.75 if S&P 500 TR USD Fidelity Real Estate Investment Real Estate FRESX 11/17/ $ $8.10 Part I. formance and fee information 23 of 45

24 FIDELITY INVESTMENTS Morningstar Category Ticker Symbol Date Returns/ S&P 500 TR USD Fidelity Spartan Real Estate Idx Advtg Real Estate FSRVX 09/08/ N/A N/A $ $1.00 DJ US Select REIT TR USD Contractual Waiver Exp: 09/30/2014 Fee: 0.75 if Fee: 0.75 if PRUDENTIAL To request additional plan information from this service provider or a paper copy of information available online, free of charge, contact: 30 Scranton Office Park Moosic PA Table 1 Variable Return Investments as of September 30, 2013 PRUDENTIAL Returns/ Allocation Morningstar Category Ticker Symbol Date Variable Annuity Oppenheimer Global Allocation Fund N/A 1.47 $14.70 N/A N/A MSCI World NR USD* N/A Equities Variable Annuity American Funds EuroPacific Growth Fund R3 MSCI ACWI Ex USA NR USD* N/A N/A 1.14 $11.40 N/A N/A After 1 xfer out shares within 30 calendar <$ , no future xfer for this fund are allowed for 30 calendar Part I. formance and fee information 24 of 45

25 PRUDENTIAL American Funds Growth Fund of Amer R3 Morningstar Category Ticker Symbol Date Returns/ Russell 1000 Growth TR USD* N/A Columbia Seligman Comms and Information A Morningstar SEC/Technology TR USD* N/A 0.98 $9.80 N/A N/A N/A 1.38 $13.80 N/A N/A N/A After 1 xfer out shares within 30 calendar <$ , no future xfer for this fund are allowed for 30 calendar After 1 xfer out shares within 30 calendar <$ , no future xfer for this fund are allowed for 30 calendar DWS Small Cap Value Fund-A N/A 1.19 $11.90 N/A N/A For certain transactions, a redemption fee of Russell 2000 Value TR USD* N/A 2.0 applies if funds are redeemed within 15 Goldman Sachs Mid Cap Value Fund A N/A 1.15 $11.50 N/A N/A Russell Mid Cap Value TR USD* N/A Invesco Small Cap Growth Fund A Russell 2000 Growth TR USD* N/A N/A 1.27 $12.70 N/A N/A Legg Mason ClearBridge Small Cap Growth Fund Class A N/A 1.32 $13.20 N/A N/A Russell 2000 Growth TR USD* N/A MFS Value Fund N/A 0.96 $9.60 N/A N/A Russell 1000 Value TR USD* N/A Medley Capital Growth Account (VCA-10) N/A 1.00 $10.00 N/A N/A Russell 1000 TR USD* N/A Medley Equity Account (VCA- 24) N/A 1.23 $12.30 N/A N/A Your ability to transfer funds associated with this investment is limited for one or more of the money types in your plan. Your ability to transfer funds associated with this investment is limited for one or more of the money types in your plan. Your ability to transfer funds Part I. formance and fee information 25 of 45

26 PRUDENTIAL Morningstar Category Ticker Symbol Date Returns/ Russell 1000 Growth TR USD* N/A Medley Global Account (VCA- 24) MSCI World NR USD* N/A Medley Stock Account (VCA-24) N/A 1.59 $15.90 N/A N/A N/A 1.12 $11.20 N/A N/A Russell 1000 TR USD* N/A Oakmark International I (inception date 05/19/2004) N/A 1.06 $10.60 N/A N/A MSCI ACWI Ex USA NR USD* N/A N/A Oppenheimer Developing Markets Fund A N/A 1.36 $13.60 N/A N/A MSCI EM NR USD* N/A Prudential Financial Services Fund Class Z N/A 1.11 $11.10 N/A N/A DJ US Financial TR USD* N/A Prudential Global Real Estate Fund Class Z N/A 0.97 $9.70 N/A N/A MSCI World/Real Estate NR USD* N/A Prudential Jennison Growth Fund - Class Z N/A 0.76 $7.60 N/A N/A Russell 1000 Growth TR USD* N/A Prudential Jennison Health Sciences Fund Class Z N/A 0.93 $9.30 N/A N/A DJ US Health Care TR USD* N/A Prudential Jennison Mid Cap Growth Class Z N/A 0.76 $7.60 N/A N/A Russell Mid Cap Growth TR USD* N/A Prudential Jennison Natural Resources Fund Z N/A 0.89 $8.90 N/A N/A S&P North American Natural Resources TR* N/A Prudential Jennison Utility Fund Class Z N/A 0.57 $5.70 N/A N/A associated with this investment is limited for one or more of the money types in your plan. Your ability to transfer funds associated with this investment is limited for one or more of the money types in your plan. Part I. formance and fee information 26 of 45

27 PRUDENTIAL Returns/ Morningstar Ticker Category Symbol Date DJ Utilities Average TR USD* N/A Prudential Jennison Value Fund Class Z N/A 0.77 $7.70 N/A N/A Russell 1000 TR USD* N/A Prudential Stock Fund Class Z Russell 1000 TR USD* N/A Fixed Income Variable Annuity Medley Diversified Bond Account (VCA-24) Barclays US Govt/Credit 5-10 Yr TR USD* Medley Government Income Account (VCA-24) N/A 0.47 $4.70 N/A N/A N/A 1.20 $12.00 N/A N/A N/A Barclays US Government TR USD* N/A N/A 1.28 $12.80 N/A N/A PIMCO Total Return Fund A N/A 0.85 $8.50 N/A N/A Barclays US Govt/Credit 5-10 Yr TR USD* N/A Prudential Global Total Return Z N/A 1.06 $10.60 N/A N/A Citi WGBI NonUSD USD* N/A Prudential Government Income Z N/A 0.69 $6.90 N/A N/A Barclays US Government TR USD* N/A Money Market Your ability to transfer funds associated with this investment is limited for one or more of the money types in your plan. Your ability to transfer funds associated with this investment is limited for one or more of the money types in your plan. Variable Annuity Medley Money Market Account (VCA-11) N/A 1.00 $10.00 N/A N/A Your ability to transfer funds associated with this investment is limited for one or more of the money types in Part I. formance and fee information 27 of 45