HELPING make a positive. IMPACTon your FUTURE. University of Arkansas Mapping Guide

Transcription

1 HELPING make a positive IMPACTon your FUTURE University of Arkansas Mapping Guide

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3 Mapping Detail for Current Fidelity Menu Mapping Detail for Current TIAA Menu Default Investment Options Tier 4: Expanded Choice Offering Pages 4 11 Pages Page 15 Pages 16 17

4 October 2, 2017, Mapping Detail for Current Fidelity Menu Any current balances and future contribution elections that you have in the current investment options listed on the left side of the table below as of October 2, 2017, will be transferred to the new option on the right. If you prefer to invest your future contributions or current balances differently prior to the transfer, please use your investment services provider s existing website to access your account. Of course, you can also make investment fund changes in your account after the transfer is complete. Refer to the chart below to find investment options in the current Fidelity menu and determine where assets and contributions to that fund will be moved effective after market close (generally 3 p.m. CT) October 2, Current Investment Option From Fidelity Asset Manager 20% FASIX 0.53% Fidelity Asset Manager 30% FTANX 0.54% Fidelity Asset Manager 40% FFANX 0.55% Fidelity Asset Manager 50% FASMX 0.66% Fidelity Asset Manager 60% FSANX 0.72% Fidelity Asset Manager 70% FASGX 0.73% Fidelity Asset Manager 85% FAMRX 0.76% Fidelity Freedom K 2005 FFKVX 0.49% Fidelity Freedom K 2010 FFKCX 0.53% New Investment Option on Oct., 2, 2017, at 3 p.m. CT To Vanguard Institutional Target Retirement, Vanguard Institutional Target Retirement Income VITRX 0.09% Fidelity Freedom K 2015 FKVFX 0.56% Vanguard Institutional Target Retirement VITVX 0.09% 2015 Fidelity Freedom K 2020 FFKDX 0.58% Vanguard Institutional Target Retirement VITWX 0.10% 2020 Fidelity Freedom K 2025 FKTWX 0.61% Vanguard Institutional Target Retirement VRIVX 0.10% 2025 Fidelity Freedom K 2030 FFKEX 0.65% Vanguard Institutional Target Retirement VTTWX 0.10% 2030 Fidelity Freedom K 2035 FKTHX 0.67% Vanguard Institutional Target Retirement VITFX 0.10% 2035 Fidelity Freedom K 2040 FFKFX 0.67% Vanguard Institutional Target Retirement VIRSX 0.10% 2040 Fidelity Freedom K 2045 FFKGX 0.67% Vanguard Institutional Target Retirement VITLX 0.10% 2045 Fidelity Freedom K 2050 FFKHX 0.67% Vanguard Institutional Target Retirement VTRLX 0.10% 2050 Fidelity Freedom K 2055 FDENX 0.67% Vanguard Institutional Target Retirement VIVLX 0.10% 2055 Fidelity Freedom K 2060 FDKNX 0.67% Vanguard Institutional Target Retirement VILVX 0.10% 2060 Fidelity Freedom K Income FFKAX 0.44% Vanguard Institutional Target Retirement VITRX 0.09% Income Fidelity 500 Index - Institutional Class FXSIX 0.035% Vanguard Institutional Index VINIX 0.04% Fidelity Balanced - FBAKX 0.46% Vanguard Institutional Target Retirement, 4

5 October 2, 2017, Mapping Detail for Current Fidelity Menu Current Investment Option From New Investment Option on Oct., 2, 2017, at 3 p.m. CT To Fidelity Blue Chip Growth - Class FBGKX 0.70% Fidelity Contrafund - FCNKX 0.58% K Fidelity Blue Chip Value FBCVX 0.88% JPMorgan Value Advantage Class L JVAIX 0.89% Fidelity Canada 6 FICDX 1.17% Vanguard Institutional Target Retirement, Fidelity Capital & Income 5 FAGIX 0.75% Fidelity Total Bond FTBFX 0.45% Fidelity Capital Appreciation - FCAKX 0.50% Fidelity Contrafund - FCNKX 0.58% Fidelity China Region 6 FHKCX 1.02% Vanguard Institutional Target Retirement, Fidelity Conservative Income Bond FCONX 0.40% Lincoln Stable Value n/a n/a Fidelity Contrafund - FCNKX 0.58% Fidelity Contrafund - FCNKX 0.58% Fidelity Convertible Securities FCVSX 0.45% Vanguard Institutional Target Retirement, Fidelity Corporate Bond FCBFX 0.45% - Fidelity Total Bond FTBFX 0.45% Fidelity Disciplined Equity - Class K FDEKX 0.57% - Vanguard Institutional Index VINIX 0.04% Fidelity Diversified International - FDIKX 0.92% Fidelity Diversified International - Fidelity Dividend Growth - FDGKX 0.50% Vanguard Institutional Index Fidelity Emerging Asia 6 FSEAX 1.16% FDIKX 0.92% VINIX 0.04% Fidelity Emerging Europe, Middle East, Africa (EMEA) 6 Fidelity Emerging Markets Discovery 7 Fidelity Emerging Markets - Class K 6 FEMEX 1.46% FEDDX 1.55% FKEMX 0.84% Fidelity Emerging Markets Index - FPMAX 0.14% Premium Class 6 Fidelity Equity Dividend Income - FETKX 0.61% Fidelity Equity-Income - FEIKX 0.56% Vanguard Institutional Target Retirement, JPMorgan Value Advantage Class L JVAIX 0.89% Fidelity Europe FIEUX 1.07% Vanguard Institutional Target Retirement, Fidelity Event Driven Opportunities FARNX 1.14% Vanguard Extended Market Index VIEIX 0.06% Fidelity Export and Multinational - FEXKX 0.64% Fidelity Contrafund - FCNKX 0.58% Fidelity Extended Market Index - FSEVX 0.07% Vanguard Extended Market Index VIEIX 0.06% Premium Class Fidelity Floating Rate High Income FFRHX 0.71% 4 Fidelity Focused High Income 5 FHIFX 0.85% Fidelity Total Bond FTBFX 0.45% Fidelity Focused Stock FTQGX 0.62% Fidelity Contrafund - FCNKX 0.58% Fidelity Four-in-One Index FFNOX 0.17% Vanguard Institutional Target Retirement, Fidelity - FFDKX 0.41% Fidelity Contrafund - FCNKX 0.58% Fidelity Global Balanced FGBLX 1.02% Vanguard Institutional Target Retirement, Fidelity Global Bond FGBFX 1.14% Fidelity Total Bond FTBFX 0.45% 5

6 October 2, 2017, Mapping Detail for Current Fidelity Menu Current Investment Option From Fidelity Global Commodity Stock 3 FFGCX 1.13% Fidelity Global Equity Income 3 FGILX 1.18% New Investment Option on Oct., 2, 2017, at 3 p.m. CT To Vanguard Institutional Target Retirement, Fidelity Global ex U.S. Index - FSGDX 0.11% Vanguard Total International Stock Index VTSNX 0.09% Premium Class Fidelity Global High Income 5 FGHNX 1.20% Fidelity Total Bond FTBFX 0.45% Fidelity Global Strategies FDYSX 1.21% Vanguard Institutional Target Retirement, Fidelity GNMA FGMNX 0.45% Fidelity Total Bond FTBFX 0.45% Fidelity Government Cash Reserves FDRXX 0.37% Vanguard Federal Money Market VMFXX 0.11% Investor Shares Fidelity Government Income FGOVX 0.45% Fidelity Total Bond FTBFX 0.45% Fidelity Government Money Market SPAXX 0.42% Vanguard Federal Money Market VMFXX 0.11% Investor Shares Fidelity Government Money Market FZCXX 0.38% Vanguard Federal Money Market VMFXX 0.11% - Premium Class Investor Shares Fidelity Growth & Income Portfolio - FGIKX 0.53% Vanguard Institutional Index VINIX 0.04% Fidelity Growth Company - Class FGCKX 0.66% K K Fidelity Growth Discovery - Class FGDKX 0.66% Fidelity Contrafund - FCNKX 0.58% Fidelity Growth Strategies - Class FAGKX 0.73% MassMutual Select Mid Cap Growth MEFZX 0.73% K Class I Fidelity High Income 5 SPHIX 0.73% Fidelity Total Bond FTBFX 0.45% Fidelity Independence - FDFKX 0.45% Fidelity Contrafund - FCNKX 0.58% Fidelity Inflation-Protected Bond FINPX 0.45% Fidelity Total Bond FTBFX 0.45% Fidelity Inflation-Protected Bond Index FSIYX 0.09% Vanguard Total Bond Market Index - Premium Class Fidelity Intermediate Bond FTHRX 0.45% VBTIX 0.04% Fidelity Intermediate Government FSTGX 0.45% Fidelity Total Bond FTBFX 0.45% Income Fidelity Intermediate Treasury Bond FIBAX 0.09% Vanguard Total Bond Market Index VBTIX 0.04% Index - Premium Class Fidelity International Bond FINUX 1.08% Fidelity Total Bond FTBFX 0.45% Fidelity International Capital FIVFX 1.14% Appreciation Fidelity Diversified International - Fidelity International Discovery - FIDKX 0.86% Fidelity International Enhanced Index FIENX 0.59% Vanguard Total International Stock Index 3 Fidelity International Growth FIGFX 0.99% Fidelity Diversified International - Fidelity International Index - FSIVX 0.08% Vanguard Total International Stock Index Premium Class Fidelity International Real Estate 6 FIREX 1.13% Principal Real Estate Securities Institutional Class Fidelity International Small Cap 7 FISMX 1.34% FDIKX 0.92% VTSNX 0.09% FDIKX 0.92% VTSNX 0.09% PIREX 0.88% Fidelity International Small Cap FSCOX 1.17% Opportunities 7 Fidelity International Value 3 FIVLX 1.03% Fidelity Diversified International - FDIKX 0.92% Fidelity Investment Grade Bond FBNDX 0.45% Fidelity Total Bond FTBFX 0.45% 6

7 October 2, 2017, Mapping Detail for Current Fidelity Menu Current Investment Option From Fidelity Japan 6 FJPNX 0.78% New Investment Option on Oct., 2, 2017, at 3 p.m. CT To Vanguard Institutional Target Retirement, Fidelity Japan Smaller Companies FJSCX 0.96% 6 Fidelity Large Cap Core Enhanced FLCEX 0.39% Vanguard Institutional Index VINIX 0.04% Index Fidelity Large Cap Growth Enhanced FLGEX 0.39% Index Fidelity Large Cap Growth Index - FSUPX 0.07% Fidelity Contrafund - FCNKX 0.58% Premium Class Fidelity Large Cap Stock FLCSX 0.78% Vanguard Institutional Index VINIX 0.04% Fidelity Large Cap Value Enhanced FLVEX 0.39% Index Fidelity Large Cap Value Index - FLCHX 0.07% JPMorgan Value Advantage Class L JVAIX 0.89% Premium Class Fidelity Latin America 6 FLATX 1.14% Vanguard Institutional Target Retirement, Fidelity Leveraged Company Stock FLCKX 0.68% MFS Mid Cap Value Class R6 MVCKX 0.75% - Fidelity Limited Term Bond FJRLX 0.45% Fidelity Limited Term Government FFXSX 0.45% Fidelity Total Bond FTBFX 0.45% Fidelity Long-Term Treasury Bond Index FLBAX 0.09% Vanguard Total Bond Market Index VBTIX 0.04% - Premium Class Fidelity Low-Priced Stock - FLPKX 0.78% MFS Mid Cap Value Class R6 MVCKX 0.75% Fidelity Magellan - FMGKX 0.75% Fidelity Contrafund - FCNKX 0.58% Fidelity Mega Cap Stock FGRTX 0.69% Vanguard Institutional Index VINIX 0.04% Fidelity Mid Cap Enhanced Index FMEIX 0.59% Fidelity Mid Cap Index - Premium FSCKX 0.07% Vanguard Extended Market Index VIEIX 0.06% Class Fidelity Mid Cap Value FSMVX 0.73% MFS Mid Cap Value Class R6 MVCKX 0.75% Fidelity Mid-Cap Stock - FKMCX 0.61% MassMutual Select Mid Cap Growth MEFZX 0.73% Class I Fidelity Money Market Trust Retirement FRTXX 0.42% Government Money Market II Portfolio Vanguard Federal Money Market Fidelity Money Market Trust Retirement FGMXX 0.42% Investor Shares VMFXX 0.11% Government Money Market Portfolio Fidelity Mortgage Securities FMSFX 0.45% Fidelity Total Bond FTBFX 0.45% Fidelity Multi-Manager 2005 FEHPX 0.81% Fidelity Multi-Manager 2010 FEMPX 0.86% Vanguard Institutional Target Retirement Income Fidelity Multi-Manager 2015 FEJPX 0.94% Vanguard Institutional Target Retirement 2015 Fidelity Multi-Manager 2020 FEKPX 0.97% Vanguard Institutional Target Retirement 2020 Fidelity Multi-Manager 2025 FEDPX 1.03% Vanguard Institutional Target Retirement 2025 Fidelity Multi-Manager 2030 FECPX 1.10% Vanguard Institutional Target Retirement 2030 Fidelity Multi-Manager 2035 FENPX 1.16% Vanguard Institutional Target Retirement 2035 Fidelity Multi-Manager 2040 FEWPX 1.21% Vanguard Institutional Target Retirement 2040 Fidelity Multi-Manager 2045 FEZPX 1.20% Vanguard Institutional Target Retirement 2045 VITRX 0.09% VITVX 0.09% VITWX 0.10% VRIVX 0.10% VTTWX 0.10% VITFX 0.10% VIRSX 0.10% VITLX 0.10% 7

8 October 2, 2017, Mapping Detail for Current Fidelity Menu Current Investment Option From New Investment Option on Oct., 2, 2017, at 3 p.m. CT To Fidelity Multi-Manager 2050 FEYPX 1.22% Vanguard Institutional Target Retirement VTRLX 0.10% 2050 Fidelity Multi-Manager 2055 FESPX 1.25% Vanguard Institutional Target Retirement VIVLX 0.10% 2055 Fidelity Multi-Manager 2060 FNJPX 1.20% Vanguard Institutional Target Retirement VILVX 0.10% 2060 Fidelity Multi-Manager Income FEBPX 0.71% - Vanguard Institutional Target Retirement VITRX 0.09% Income Fidelity Nasdaq Composite Index FNCMX 0.43% Fidelity Contrafund - FCNKX 0.58% Fidelity New Markets Income 5 FNMIX 0.86% Fidelity Total Bond FTBFX 0.45% Fidelity New Millennium FMILX 0.54% Fidelity Contrafund - FCNKX 0.58% Fidelity Nordic 6 FNORX 0.99% Vanguard Institutional Target Retirement, Fidelity OTC Portfolio - FOCKX 0.79% Fidelity Contrafund - FCNKX 0.58% Fidelity Overseas - FOSKX 0.91% Fidelity Diversified International - FDIKX 0.92% Fidelity Pacific Basin 6 FPBFX 1.19% Vanguard Institutional Target Retirement, Fidelity Puritan - FPUKX 0.46% Fidelity Real Estate Income 2 FRIFX 0.82% Fidelity Real Estate Index - FSRVX 0.09% Premium Class 2 Fidelity Real Estate Investment Portfolio FRESX 0.78% Principal Real Estate Securities Institutional Class PIREX 0.88% Fidelity Select Air Transportation FSAIX 0.85% Portfolio 1 Fidelity Select Automotive Portfolio 1 FSAVX 0.96% Fidelity Select Banking Portfolio 1 FSRBX 0.79% Fidelity Select Biotechnology Portfolio FBIOX 0.75% Fidelity Select Brokerage and FSLBX 0.82% Investment Management Portfolio 1 Fidelity Select Chemicals Portfolio FSCHX 0.80% Fidelity Select Communications FSDCX 0.88% Equipment Portfolio 1 Fidelity Select Computers Portfolio 1 FDCPX 0.81% Fidelity Select Construction and FSHOX 0.80% Housing Portfolio 1 Fidelity Select Consumer Discretionary FSCPX 0.76% Portfolio Fidelity Select Consumer Finance FSVLX 0.94% Portfolio 1 Fidelity Select Consumer Staples FDFAX 0.76% Portfolio Fidelity Select Defense and Aerospace FSDAX 0.79% Portfolio Fidelity Select Energy Portfolio FSENX 0.79% Fidelity Select Energy Service Portfolio 1 FSESX 0.85% Vanguard Institutional Target Retirement, Fidelity Select Environment and Alternative Energy Portfolio 1 Fidelity Select Financial Services Portfolio FSLEX 0.94% FIDSX 0.77% 8

9 October 2, 2017, Mapping Detail for Current Fidelity Menu Current Investment Option From Fidelity Select Gold Portfolio FSAGX 0.87% New Investment Option on Oct., 2, 2017, at 3 p.m. CT To Fidelity Select Health Care Portfolio FSPHX 0.74% Fidelity Select Health Care Services FSHCX 0.78% Portfolio 1 Fidelity Select Industrial Equipment FSCGX 0.83% Portfolio 1 Fidelity Select Industrials Portfolio FCYIX 0.77% Fidelity Select Insurance Portfolio 1 FSPCX 0.80% Fidelity Select IT Services Portfolio FBSOX 0.79% Fidelity Select Leisure Portfolio 1 FDLSX 0.80% Fidelity Select Materials Portfolio FSDPX 0.81% Fidelity Select Medical Equipment and FSMEX 0.76% Systems Portfolio Fidelity Select Multimedia Portfolio FBMPX 0.82% Fidelity Select Natural Gas Portfolio 1 FSNGX 0.87% Fidelity Select Natural Resources FNARX 0.84% Portfolio 1 Fidelity Select Pharmaceuticals FPHAX 0.80% Portfolio Fidelity Select Retailing Portfolio FSRPX 0.78% Fidelity Select Semiconductors FSLEX 0.77% Portfolio 1 Fidelity Select Software and IT Services FSCSX 0.76% Portfolio Fidelity Select Technology Portfolio FSPTX 0.77% Fidelity Select Telecommunications FSTCX 0.80% Portfolio Fidelity Select Transportation Portfolio 1 FSRFX 0.83% Fidelity Select Utilities Portfolio FSUTX 0.79% Fidelity Select Wireless Portfolio 1 FWRLX 0.87% Vanguard Institutional Target Retirement, Fidelity Short Duration High Income FSAHX 0.96% 5 Fidelity Total Bond FTBFX 0.45% Fidelity Short-Term Bond FSHBX 0.45% Fidelity Short-Term Treasury Bond FSBAX 0.09% Vanguard Total Bond Market Index Index - Premium Class VBTIX 0.04% Fidelity Small Cap Discovery 6 FSCRX 1.01% Vanguard Extended Market Index VIEIX 0.06% Fidelity Small Cap Enhanced Index FCPEX 0.64% Vanguard Extended Market Index VIEIX 0.06% Fidelity Small Cap Growth 6 FCPGX 1.13% Eagle Small Cap Growth Class R6 HSRUX 0.68% Fidelity Small Cap Index - FSSVX 0.07% Premium Class Fidelity Small Cap Stock 7 FSLCX 1.00% Vanguard Extended Market Index VIEIX 0.06% Fidelity Small Cap Value 6 FCPVX 1.22% Goldman Sachs Small Cap Value Class R6 GSSUX 1.00% Fidelity Stock Selector All Cap - Fidelity Stock Selector Large Cap Value FSSKX 0.54% Fidelity Contrafund - FCNKX 0.58% FSLVX 0.77% JPMorgan Value Advantage Class L JVAIX 0.89% 9

10 October 2, 2017, Mapping Detail for Current Fidelity Menu Current Investment Option From New Investment Option on Oct., 2, 2017, at 3 p.m. CT To Fidelity Stock Selector Mid Cap FSSMX 0.64% MassMutual Select Mid Cap Growth MEFZX 0.73% Class I Fidelity Stock Selector Small Cap 6 FDSCX 0.89% Vanguard Extended Market Index VIEIX 0.06% Fidelity Strategic Dividend & Income FSDIX 0.78% Vanguard Institutional Target Retirement, Fidelity Strategic Income FSICX 0.70% Fidelity Total Bond FTBFX 0.45% Fidelity Strategic Real Return FSRRX 0.82% Fidelity Telecom and Utilities FIUIX 0.57% Vanguard Institutional Target Retirement, Fidelity Total Bond FTBFX 0.45% Fidelity Total Bond FTBFX 0.45% Fidelity Total Emerging Markets 6 FTEMX 1.62% Vanguard Institutional Target Retirement, Fidelity Total International Equity 3 FTIEX 1.11% Fidelity Diversified International - FDIKX 0.92% Fidelity Total International Index - FTIPX 0.11% Vanguard Total International Stock Index VTSNX 0.09% Premium Class 5 Fidelity Total Market Index - FSTVX 0.045% Vanguard Institutional Index VINIX 0.04% Premium Class Fidelity Treasury Money Market FZFXX 0.42% Fidelity Treasury Only Money Market FDLXX 0.42% Vanguard Federal Money Market Investor Shares VMFXX 0.11% Fidelity Trend FTRNX 0.74% Fidelity Contrafund - FCNKX 0.58% Fidelity U.S. Bond Index - FSITX 0.05% Vanguard Total Bond Market Index VBTIX 0.04% Premium Class Fidelity Value Discovery - FVDKX 0.70% JPMorgan Value Advantage Class L JVAIX 0.89% Fidelity Value - FVLKX 0.55% MFS Mid Cap Value Class R6 MVCKX 0.75% Fidelity Value Strategies - FVSKX 0.44% JPMorgan Value Advantage Class L JVAIX 0.89% Fidelity Worldwide FWWFX 0.91% Vanguard Institutional Target Retirement, MetLife Fixed New n/a n/a MetLife Fixed Old n/a n/a MetLife Policy Credit n/a n/a Strategic Advisers Core Inc. Multi- Manager Strategic Advisers Core Multi-Manager Strategic Advisers Emerging Markets of s 6 Strategic Advisers Growth Multi- Manager Strategic Advisers Income Opportunities of s 5 Strategic Advisers International Multi- Manager 3 Strategic Advisers Small-Mid Cap Multi- Manager 6 Strategic Advisers Value Multi-Manager ^ ratios as of May 9, Lincoln Stable Value n/a n/a FWHBX 1.02% Fidelity Total Bond FTBFX 0.45% FLAUX 1.20% Vanguard Institutional Index VINIX 0.04% FLILX 2.36% Vanguard Institutional Target Retirement, FMELX 0.86% Fidelity Contrafund - FCNKX 0.58% FSADX 2.41% Fidelity Total Bond FTBFX 0.45% FMJDX 1.19% Fidelity Diversified International - FDIKX 0.92% FNAPX 2.18% Vanguard Extended Market Index VIEIX 0.06% FKMOX 1.32% JPMorgan Value Advantage Class L JVAIX 0.89% A short-term redemption fee will not be charged as part of this reallocation. However, if you request a change before the transition without satisfying the required holding period, you may incur a short-term redemption fee. 10

11 October 2, 2017, Mapping Detail for Current Fidelity Menu 1 This fund has a Short-term Redemption Fee of 0.75% for fee eligible shares held less than 30 days. 2 This fund has a Short-term Redemption Fee of 0.75% for fee eligible shares held less than 90 days. 3 This fund has a Short-term Redemption Fee of 1.00% for fee eligible shares held less than 30 days. 4 This fund has a Short-term Redemption Fee of 1.00% for fee eligible shares held less than 60 days. 5 This fund has a Short-term Redemption Fee of 1.00% for fee eligible shares held less than 90 days. 6 This fund has a Short-term Redemption Fee of 1.50% for fee eligible shares held less than 90 days. 7 This fund has a Short-term Redemption Fee of 2.00% for fee eligible shares held less than 90 days. The dates shown are based on the timing and accuracy of a variety of factors, including the transfer of data, receipt of instructions, and receipt of assets. Changes in any of these factors may result in changes to the dates and timing, including the dates on which, and thus the prices at which, assets in your account are sold and/or reinvested. Investment Option that is not changing Future contributions and balances that you have in the following investment option will continue to be invested in the same fund. Name Fidelity Contrafund Fidelity Diversified International FCNKX FDIKX 11

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14 The dates shown are based on the timing and accuracy of a variety of factors, including the transfer of data, receipt of instructions, and receipt of assets. Changes in any of these factors may result in changes to the dates and timing, including the dates on which, and thus the prices at which, assets in your account are sold and/or reinvested. 14

15 as of October 2, 2017 *Existing balances will be mapped to the updated fund lineup on October 2,

16 Available May 10,

17 Objective: A brokerage account opens the door to investing the way you want, with thousands of investment choices across a wide range of asset classes. With countess ways to customize your portfolio. Strategy: A TIAA Brokerage Account allows you to independently research and select from thousands of mutual funds, including from some well-known families of funds. You can view the list of mutual funds by going to the dedicated website at TIAA.org/brokerage. Risk: This account is self-directed. The investments in the brokerage account are not monitored by the plan fiduciary. Please keep in mind that returns for mutual funds and other securities are not guaranteed, and you assume all the risks associated with investing in them. Who may want to invest: Investors looking for additional mutual fund investments outside the core fund lineup, sectors, regions, fund families, etc. If you lack the time or expertise to actively manage your portfolio, a brokerage account may not be appropriate for you. 17

18 Before investing in any mutual fund, consider the investment objectives, risks, charges, and expenses. Contact Fidelity or TIAA for a prospectus or, if available, a summary prospectus containing this information. Read it carefully. A mutual fund expense ratio is the total annual fund or class operating expenses (before waivers or reimbursements) paid by the fund and stated as a percentage of the fund's total net assets. For other types of investments, the figure in the expense ratio field reflects similar information, but may have been calculated differently than for mutual funds. Mutual fund data comes from the fund's prospectus. For non mutual fund investment options, the information has been provided by the plan sponsor, the investment option's manager, or the trustee. When no ratio is shown for these options, it is because none was available. There may be fees and expenses associated with the investment option. information changes periodically. Please consult NetBenefits.com for updates. 18

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