Spectrum Report Compiled as of: November 30, 2016

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1 Spectrum Report Compiled as of: November 30, 2016 Vanguard Target Retirement 2010 Fund Investor Shares Vanguard Target Retirement 2015 Fund Investor Shares Vanguard Target Retirement Income Fund Investor Shares Vanguard Target Retirement 2020 Fund Investor Shares Vanguard Target Retirement 2025 Fund Investor Shares Vanguard Target Retirement 2030 Fund Investor Shares Vanguard Target Retirement 2035 Fund Investor Shares Vanguard Target Retirement 2040 Fund Investor Shares Vanguard Target Retirement 2045 Fund Investor Shares Vanguard Target Retirement 2050 Fund Investor Shares Vanguard Target Retirement 2055 Fund Investor Shares Vanguard Target Retirement 2060 Fund Investor Shares Government Fidelity Government Money Market Fund - Premium Class MetLife Fixed - New Account MetLife Fixed - New Account Diversified Baird Short- Term Bond Fund Investor Class Fidelity Total Bond Fund Vanguard Short-Term Bond Index Fund Admiral Shares Vanguard Total Bond Market Index Fund Admiral Shares Inflation-Protected Vanguard Inflation- Protected Securities Fund Admiral Shares American Funds American Balanced Fund Class R- 4 Fidelity Puritan Fund - Class K Large Value Invesco Diversified Dividend Fund R5 Class Large Blend Fidelity 500 Index Fund - Institutional Class Fidelity Total Market Index Fund - Institutional Class Vanguard FTSE Social Index Fund Investor Shares Large Growth Fidelity Blue Chip Growth Fund - Class K Fidelity Contrafund - Class K Fidelity Growth Company Fund - Class K Fidelity OTC Portfolio - Class K JPMorgan Intrepid Growth Fund Select Class Diversified American Beacon International Equity Fund Institutional Class Fidelity Diversified International Fund - Class K Fidelity International Discovery Fund - Class K Fidelity Overseas Fund - Class K Vanguard Total International Stock Index Fund Admiral Shares Fidelity Real Estate Investment Portfolio Vanguard REIT Index Fund Admiral Shares

2 Vanguard Short-Term Inflation- Protected Securities Index Fund Admiral Shares High Yield Vanguard High- Yield Corporate Fund Admiral Shares International / Global AB Global Bond Fund Class I Fidelity New Markets Income Fund Vanguard Total International Bond Index Fund Admiral Shares Mid Value Fidelity Low- Priced Stock Fund - Class K Small Value Victory Sycamore Small Company Opportunity Fund Class I Mid Blend Fidelity Extended Market Index Fund - Premium Class Vanguard Mid- Cap Index Fund Admiral Shares Small Blend Fidelity Small Cap Stock Fund Vanguard Small-Cap Index Fund Admiral Shares Mid Growth JPMorgan Mid Cap Growth Fund Class R5 Small Growth Fidelity Small Cap Growth Fund Emerging Markets Fidelity Emerging Markets Fund - Class K Vanguard Emerging Markets Stock Index Fund Admiral Shares Unclassifed Investments Fidelity BrokerageLink Footnotes Compiled by Category Last categorization update date 10/31/2016 This spectrum, with the exception of the Domestic Equity category, is based on Fidelity's analysis of the characteristics of the general investment categories and not on the actual investment options and their holdings, which can change frequently. Investment options in the Domestic Equity category are based on the options' Morningstar categories as of the date indicated. Morningstar categories are based on a fund's style as measured by its underlying portfolio holdings over the past three years and may change at any time. These style calculations do not represent the investment options' objectives and do not predict the investment options' future styles. Investment options are listed in alphabetical order within each investment category. Risk associated with the investment options can vary significantly within each particular investment category and the relative risk of categories may change under certain economic conditions. For a more complete discussion of risk associated with the mutual fund options, please read the prospectuses before making your investment decisions. The spectrum does not represent actual or implied performance. Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market or economic developments. Because of their narrow focus, sector funds may be more volatile than funds that diversify across many sectors. Foreign investments, especially those in emerging markets, involve greater risk and may offer greater potential returns than U.S. investments. This risk includes political and economic uncertainties of foreign countries, as well as the risk of currency fluctuation. In general the bond market is volatile and bonds entail interest rate risk (as interest rates rise bond prices usually fall and vice versa). This effect is usually pronounced for longer-term securities. Bonds also entail the risk of issuer default, issuer credit risk and inflation risk. Target date investments are generally designed for investors expecting to retire around the year indicated in each investment's name. The investments are managed to gradually become more conservative over time. The investment risks of each target date investment change over time as its asset allocation changes. They are subject to the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad and may be subject to risk associated with investing in high yield, small cap and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates.

3 Changes in real estate values or economic downturns can have a significant negative effect on issuers in the real estate industry. A fixed return annuity contract is an annuity contract issued by an insurance company. It is not a mutual fund. The amount invested in the contract is guaranteed by the issuing insurance company. Guarantees of an insurance company are subject to its long-term financial strength and claims-paying ability and are solely its responsibility. Information about the fixed return annuity contract was furnished by the issuing insurance company, which is not affiliated with any Fidelity Investments company. Lower-quality debt securities involve greater risk of default or price changes due to potential changes in the credit quality of the issuer. Investments in mid-sized companies may involve greater risk than those of larger, more well known companies, but may be less volatile than investments in smaller companies. Investments in smaller companies may involve greater risk than those in larger, more well known companies. Fidelity Government Mutual Fund Money Market: You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Fidelity Investments and its affiliates, the fund's sponsor, have no legal obligation to provide financial support to money market funds and you should not expect that the sponsor will provide financial support to the fund at any time. Fidelity's government and U.S. Treasury money market funds will not impose a fee upon the sale of your shares, nor temporarily suspend your ability to sell shares if the fund's weekly liquid assets fall below 30% of its total assets because of market conditions or other factors. AB Global Bond Fund Class I: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/05/2007. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 03/27/1992, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. American Funds American Balanced Fund Class R-4: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 06/21/2002. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 07/25/1975, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Baird Short-Term Bond Fund Investor Class: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 09/19/2012. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 08/31/2004, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Fidelity 500 Index Fund - Institutional Class: Returns prior to May 4, 2011 are those of the Premium Class and reflect the Premium Class' expense ratio. Had the Institutional Class' expense ratio been reflected, total returns would have been higher. Fidelity 500 Index Fund - Institutional Class: As of June 14, 2016, this fund changed its name from Spartan 500 Index Fund - Institutional Class. Fidelity Blue Chip Growth Fund - Class K: On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, nonadvisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Contrafund - Class K: On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Diversified International Fund - Class K, Fidelity Emerging Markets Fund - Class K, Fidelity Growth Company Fund - Class K, Fidelity Low-Priced Stock Fund - Class K, Fidelity OTC Portfolio - Class K, Fidelity Puritan Fund - Class K: On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Extended Market Index Fund - Premium Class: Returns prior to October 14, 2005 are those of the Investor Class and reflect the Investor Class' expense ratio. Had the Premium Class' expense ratio been reflected, total returns would have been higher. Fidelity Extended Market Index Fund - Premium Class: As of June 14, 2016, this fund changed its name from Spartan Extended Market Index Fund - Fidelity Advantage Class. Fidelity Government Money Market Fund - Premium Class: Initial offering of Premium Class shares for Fidelity Government Money Market Fund was on 04/14/2015. Returns and expenses prior to that date are those of Fidelity Government Money Market Fund (SPAXX). Had Fidelity Government Money Market Fund - Premium Class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Government Money Market Fund - Premium Class: Fidelity is voluntarily reimbursing a portion of the fund's expenses. If Fidelity had not, the returns would have been lower.

4 Fidelity International Discovery Fund - Class K, Fidelity Overseas Fund - Class K: On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Total Market Index Fund - Institutional Class: As of June 14, 2016, this fund changed its name from Spartan Total Market Index Fund - Institutional Class. Fidelity Total Market Index Fund - Institutional Class: Returns prior to September 8, 2011 are those of the Premium Class and reflect the Premium Class' expense ratio. Had the Institutional Class' expense ratio been reflected, total returns would have been higher. Invesco Diversified Dividend Fund R5 Class: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 10/25/2005. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 12/31/2001, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. JPMorgan Mid Cap Growth Fund Class R5: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/01/2011. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 03/02/1989, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. MetLife Fixed - New Account, MetLife Fixed - New Account: This investment option is not a mutual fund. MetLife Fixed - New Account, MetLife Fixed - New Account: This investment option is not a mutual fund. Vanguard Emerging Markets Stock Index Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 06/23/2006. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 05/04/1994, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Vanguard High-Yield Corporate Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/12/2001. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 12/27/1978, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Vanguard Inflation-Protected Securities Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 06/10/2005. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 06/29/2000, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Vanguard Mid-Cap Index Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/12/2001. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 05/21/1998, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Vanguard REIT Index Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/12/2001. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 05/13/1996, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Vanguard Short-Term Bond Index Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/12/2001. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 03/01/1994, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Vanguard Small-Cap Index Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/13/2000. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 10/03/1960, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Vanguard Total Bond Market Index Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/12/2001. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 12/11/1986, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself.

5 Vanguard Total International Stock Index Fund Admiral Shares: The FTSE Global All Cap ex US Index is part of a range of indices designed to help US investors benchmark their international investments. The index comprises large, mid and small cap stocks globally excluding the US. Vanguard Total International Stock Index Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/29/2010. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 04/29/1996, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Victory Sycamore Small Company Opportunity Fund Class I: The Russell 2000 Value Index is an unmanaged market capitalization-weighted index of value-oriented stocks of U.S. domiciled companies that are included in the Russell 2000 Index. Value-oriented stocks tend to have lower price-to-book ratios and lower forecasted growth values. Victory Sycamore Small Company Opportunity Fund Class I: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 08/31/2007. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 08/16/1983, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

6 Santa Clara University Retirement Plans Investment Options To help you meet your investment goals, the Santa Clara University Tax Deferred Annuity Plan and the Santa Clara University Defined Contribution Plan (collectively, the Plan ) offer you a variety of investment options. You can select a mix of options that best suits your goals, time horizon, and risk tolerance, and include a mix of conservative, moderately conservative, and aggressive funds. A complete description of the Plan s investment options and their performance, as well as planning tools to help you choose an appropriate mix, are available online at Fidelity NetBenefits. What s Inside Choosing an Investment Mix... 2 We Can Help... 2 Fund Descriptions 3

7 Choosing an Investment Mix In determining the right mix of investments for you, you should consider your comfort with investment risk and flexibility, your retirement goals and your time frame, as well as your unique financial situation. Ultimately, you want to consider a mix of investments that delivers a balance of risk and potential return that you can feel comfortable with. And, as your savings needs change, so will your investment mix, so don t forget to reevaluate your portfolio regularly. Finding the right mix This table shows how four hypothetical investment mixes align with different approaches to investing, from conservative to aggressive. Conservative Mix Balanced Mix Growth Mix Aggressive Growth Mix 14% domestic stock 6% foreign stock 50% bond 30% short-term investments 35% domestic stock 15% foreign stock 40% bond 10% short-term investments 49% domestic stock 21% foreign stock 25% bond 5% short-term investments 60% domestic stock 25% foreign stock 15% bond May be appropriate if you prefer steadier performance over time with some opportunity for growth. May be appropriate if you want some opportunity for growth and can tolerate some up-and-down movement in your portfolio s value. May be appropriate if you have a preference for growth and can tolerate significant up-and-down movement in your portfolio s value. May be appropriate if you have a strong preference for growth and can tolerate wide, and sometimes sudden, up-and-down movement in your portfolio s value. For illustrative purposes only. The purpose of the target asset mixes is to show how target asset mixes may be created with different risk-and-return characteristics to help meet a participant s goals. You should choose your own investments based on your particular objectives and situation. Remember, you may change how your account is invested. Be sure to review your decisions periodically to make sure they are still consistent with your goals. You should also consider any investments you may have outside the Plan when making your investment choices. These target asset mixes were developed by Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company, based on the needs of a typical retirement plan participant. The investment options offered through the Plan were chosen by the plan sponsor. The sample mixes illustrate some of the many combinations that could be created and should not be considered investment advice. We Can Help Call us at or go to NetBenefits at We have tools and services that can help you build a plan to align your investments with your retirement goals.

8 Fund Descriptions Evaluating investments is an important factor in your decision on which fund or funds you choose for your investment mix. Although the effort can take time, your understanding of each fund will give you the confidence you need to make the choice you are most comfortable with and help you get more from your retirement savings. Fund Code: This is the code used on Fidelity s automated phone lines to request transactions for the investment option. You will not need this code if you use the Internet to make transactions. Ticker: This is also called the trading symbol for the fund. If the fund is listed and traded on any of the major exchanges, this is the code that is used to identify the fund. AB Global Bond Fund Class I FPRS code: OK72 Ticker: ANAIX Gross expense ratio: 0.59% as of 01/29/2016 Objective: The investment seeks to generate current income consistent with preservation of capital. Strategy: The fund invests at least 80% of its net assets in fixed-income securities. It invests significantly in fixed-income securities of non-u.s. companies. The fund normally invests in the fixed-income securities of companies located in at least three countries. It may invest in a broad range of fixed-income securities in both developed and emerging markets. The fund may invest across all fixed-income sectors, including U.S. and non-u.s. government and corporate debt securities. Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of which may be magnified in emerging markets. The fund may invest in lower-quality debt securities that involve greater risk of default or price changes due to potential changes in the credit quality of the issuer. In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible. Additional risk information for this product may be found in the prospectus or other product materials, if available. Short-term Redemption Fee Note: None Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase in share price; Someone who is seeking to complement his or her core bond holdings with international bond investments and who can tolerate the greater risks associated with foreign investments. Footnotes: This description is only intended to provide a brief overview of the mutual fund. Read the fund's prospectus for more detailed information The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/05/2007. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 03/27/1992, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. American Beacon International Equity Fund Institutional Class FPRS code: OMYW Ticker: AAIEX Gross expense ratio: 0.74% as of 02/28/2016 Objective: The investment seeks long-term capital appreciation. Strategy: The fund normally invests at least 80% of its net assets (plus the amount of any borrowings for investment purposes) in common stocks and securities convertible into common stocks (collectively, "stocks") of issuers based in at least three different countries located outside the United States. It primarily invests in countries comprising the Morgan Stanley Capital International Europe Australasia and Far East Index ("MSCI EAFE Index"). The MSCI EAFE Index is comprised of equity securities of companies from various industrial sectors whose primary trading markets are located outside the United States. Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of which may be magnified in emerging markets. Value stocks can perform differently than other types of stocks and can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. Additional risk information for this product may be found in the prospectus or other product materials, if available. Short-term Redemption Fee Note: None Someone who is seeking to complement a portfolio of domestic investments with international investments, which can behave differently; Someone who is willing to accept the higher degree of risk associated with investing overseas. Footnotes: This description is only intended to provide a brief overview of the mutual fund. Read the fund's prospectus for more detailed

9 information The MSCI Europe, Australasia and Far East Index is an unmanaged market capitalization-weighted index designed to represent the performance of developed stock markets outside the United States and Canada. American Funds American Balanced Fund Class R-4 FPRS code: OQYM Ticker: RLBEX Gross expense ratio: 0.63% as of 03/01/2016 Objective: The investment seeks conservation of capital, current income and long-term growth of capital and income. Strategy: The fund uses a balanced approach to invest in a broad range of securities, including common stocks and investment-grade bonds. It also invests in securities issued and guaranteed by the U.S. government and by federal agencies and instrumentalities. In addition, the fund may invest a portion of its assets in common stocks, most of which have a history of paying dividends, bonds and other securities of issuers domiciled outside the United States. Risk: Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Additional risk information for this product may be found in the prospectus or other product materials, if available. Short-term Redemption Fee Note: None Someone who is seeking to invest in a fund that invests in both stocks and bonds; Someone who is seeking the potential both for income and for long-term share-price appreciation and who is willing to accept the volatility of the bond and stock markets. Footnotes: This description is only intended to provide a brief overview of the mutual fund. Read the fund's prospectus for more detailed information The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 06/21/2002. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 07/25/1975, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Baird Short-Term Bond Fund Investor Class FPRS code: OVJD Ticker: BSBSX Gross expense ratio: 0.55% as of 05/01/2016 Objective: The investment seeks an annual rate of total return, before fund expenses, greater than the annual rate of total return of the Barclays 1-3 Year U.S. Government/Credit Bond Index. Strategy: The fund normally invests at least 80% of its net assets in the following types of U.S. dollar-denominated debt obligations: U.S. government and other public-sector entities, asset-backed and mortgage-backed obligations of U.S. and foreign issuers and corporate debt of U.S. and foreign issuers. It only invests in debt securities rated investment grade at the time of purchase by at least one major rating agency or, if unrated, determined by the advisor to be investment grade. Risk: In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible. Additional risk information for this product may be found in the prospectus or other product materials, if available. Short-term Redemption Fee Note: None Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase in share price; Someone who is seeking to diversify an equity portfolio with a more conservative investment option. Footnotes: This description is only intended to provide a brief overview of the mutual fund. Read the fund's prospectus for more detailed information The Barclays 1-3 Year U.S. Government/Credit Bond Index is an unmanaged, market value weighted index of investment grade, fixed-rate debt including government and corporate securities with maturities between one and three years. The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 09/19/2012. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 08/31/2004, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself.

10 Fidelity BrokerageLink FPRS code: BLNK Objective: To provide a broad range of mutual funds that allow you expanded choices in managing your retirement savings more actively. Strategy: BrokerageLink is a brokerage account within your retirement plan. You alone decide how to invest the assets in your Fidelity BrokerageLink account. You can invest in a vast array of mutual funds from either Fidelity, or from Fidelity and other mutual fund companies through BrokerageLink. Brokerage services are provided through Fidelity Brokerage Services LLC, a member of the New York Stock Exchange and Securities Investor Protection Corporation. Risk: BrokerageLink includes investments beyond those in your plan's lineup. The plan fiduciary neither evaluates nor monitors the investments available through BrokerageLink. It is your responsibility to ensure the investments you select are suitable for your situation including your goals, time horizon, and risk tolerance. See the fact sheet and commission schedule for applicable fees and risks. This account is neither a mutual fund nor is it managed by any of the Fidelity Investments group of companies. Someone who is comfortable with evaluating and researching a broad universe of mutual funds, and who wants to invest part of his or her retirement savings in mutual funds through a brokerage account; Someone who wants the highest degree of variety in selecting mutual funds investments for his or her retirement savings, and who is familiar with how a brokerage account operates. Fidelity 500 Index Fund - Institutional Class FPRS code: 2327 Ticker: FXSIX Gross expense ratio: 0.035% as of 07/01/2016 Objective: Seeks to provide investment results that correspond to the total return (i.e., the combination of capital changes and income) performance of common stocks publicly traded in the United States. Strategy: Normally investing at least 80% of assets in common stocks included in the S&P 500 Index, which broadly represents the performance of common stocks publicly traded in the United States. Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Short-term Redemption Fee Note: None Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income; Someone who is seeking both growth- and value-style investments and who is willing to accept the volatility associated with investing in the stock market. Footnotes: This description is only intended to provide a brief overview of the mutual fund. Read the fund's prospectus for more detailed information The S&P 500 Index is a market capitalization-weighted index of 500 common stocks chosen for market size, liquidity, and industry group representation to represent U.S. equity performance. Returns prior to May 4, 2011 are those of the Premium Class and reflect the Premium Class' expense ratio. Had the Institutional Class' expense ratio been reflected, total returns would have been higher. As of June 14, 2016, this fund changed its name from Spartan 500 Index Fund - Institutional Class. Fidelity Blue Chip Growth Fund - Class K FPRS code: 2078 Ticker: FBGKX Gross expense ratio: 0.7% as of 09/29/2016 Objective: Seeks growth of capital over the long term. Strategy: Normally investing at least 80% of assets in blue chip companies (companies whose stock is included in the S&P 500 or the Dow Jones Industrial Average, and companies with market capitalizations of at least $1 billion if not included in either index). Investing in companies that FMR believes have above-average growth potential (stocks of these companies are often called "growth" stocks). Normally investing primarily in common stocks of well-known and established companies. Risk: The value of equity securities fluctuates in response to issuer, political, market, and economic developments. In the short term, equity prices can fluctuate dramatically in response to these developments. Different parts of the market and different types of equity securities can react differently to these developments. For example, 'growth' stocks can react differently from 'value' stocks. Foreign securities, foreign currencies, and securities issued by U.S. entities with substantial foreign operations can involve additional risks. You may have a gain or loss when you sell your shares. Someone who is seeking the potential for long-term share-price appreciation; Someone who is willing to accept the generally greater price volatility associated with growth-oriented stocks.

11 The S&P 500 Index is a registered service mark of The McGraw-Hill Companies, Inc., and has been licensed for use by Fidelity Distributors Corporation and its affiliates. It is an unmanaged index of the common stock prices of 500 widely held U.S. stocks that includes the reinvestment of dividends. The Dow Jones Industrial Average (DJIA) is an unmanaged price-weighted index and is the most widely used indicator of how the country's industrial leaders are performing. Also known as "the Dow," this is a formula based on the stock prices of 30 major companies chosen from sectors of the economy most representative of our country's economic condition. On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Contrafund - Class K FPRS code: 2080 Ticker: FCNKX Gross expense ratio: 0.61% as of 02/29/2016 Objective: Seeks capital appreciation. Strategy: Investing in securities of companies whose value FMR believes is not fully recognized by the public. Investing in either 'growth' stocks or 'value' stocks or both. Normally investing primarily in common stocks. Risk: The value of the fund's domestic and foreign investments will vary from day to day in response to many factors. Stock values fluctuate in response to the activities of individual companies, and general market and economic conditions. Investments in foreign securities involve greater risk than U.S. investments. You may have a gain or loss when you sell your shares. Someone who is seeking the potential for long-term share-price appreciation; Someone who is willing to accept the generally greater price volatility associated with growth-oriented stocks. On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Diversified International Fund - Class K FPRS code: 2082 Ticker: FDIKX Gross expense ratio: 0.87% as of 12/30/2015 Objective: Seeks capital growth. Strategy: Normally investing primarily in non-u.s. securities. Normally investing primarily in common stocks. Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Foreign securities are subject to interest rate, currency exchange rate, economic, and political risks, all of which are magnified in emerging markets. Short-term redemption fee: This fund has a Short-term Redemption Fee of 1.00% for fee eligible shares held less than 30 days. Someone who is seeking to complement a portfolio of domestic investments with international investments, which can behave differently; Someone who is willing to accept the higher degree of risk associated with investing overseas. On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, nonadvisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Emerging Markets Fund - Class K FPRS code: 2084 Ticker: FKEMX Gross expense ratio: 0.85% as of 12/30/2015 Objective: Seeks capital appreciation. Strategy: Normally investing at least 80% of assets in securities of issuers in emerging markets and other investments that are tied economically to emerging markets. Normally investing primarily in common stocks. Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Foreign securities are subject to interest rate, currency exchange rate, economic, and political risks, all

12 of which are magnified in emerging markets. Short-term redemption fee: This fund has a Short-term Redemption Fee of 1.50% for fee eligible shares held less than 90 days. Someone who is willing to accept the higher degree of risk associated with investing in emerging markets; Someone who is seeking to complement a portfolio of domestic investments and/or international investments in developed countries with investments in developing countries, which can behave differently. On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Extended Market Index Fund - Premium Class FPRS code: 1521 Ticker: FSEVX Gross expense ratio: 0.07% as of 07/01/2016 Objective: Seeks to provide investment results that correspond to the total return stocks of mid- to small-capitalization United States companies. Strategy: Normally investing at least 80% of assets in common stocks included in the Dow Jones U.S. Completion Total Stock Market Index, which represents the performance of stocks of mid- to small-capitalization U.S. companies. Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Investments in smaller companies may involve greater risks than those in larger, more well known companies. Short-term redemption fee: This fund has a Short-term Redemption Fee of 0.75% for fee eligible shares held less than 90 days. Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income; Someone who is seeking both growth- and value-style investments and who is willing to accept the generally greater volatility of investments in smaller companies. The Dow Jones U.S. Completion Total Stock Market Index is an unmanaged index that represents all U.S. equity issues with readily available prices, excluding components of the S&P 500. Returns prior to October 14, 2005 are those of the Investor Class and reflect the Investor Class' expense ratio. Had the Premium Class' expense ratio been reflected, total returns would have been higher. As of June 14, 2016, this fund changed its name from Spartan Extended Market Index Fund - Fidelity Advantage Class. Fidelity Government Money Market Fund - Premium Class FPRS code: 2741 Ticker: FZCXX Gross expense ratio: 0.38% as of 06/29/2016 Objective: Seeks as high a level of current income as is consistent with preservation of capital and liquidity. Strategy: The Adviser normally invests at least 99.5% of the fund's total assets in cash, U.S. Government securities and/or repurchase agreements that are collateralized fully (i.e., collateralized by cash or government securities). Certain issuers of U.S. Government securities are sponsored or chartered by Congress but their securities are neither issued nor guaranteed by the U.S. Treasury. Investing in compliance with industry-standard regulatory requirements for money market funds for the quality, maturity, liquidity and diversification of investments. The Adviser stresses maintaining a stable $1.00 share price, liquidity, and income. In addition the Adviser normally invests at least 80% of the fund's assets in U.S. Government securities and repurchase agreements for those securities. Risk: You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Fidelity Investments and its affiliates, the fund's sponsor, have no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time. The fund will not impose a fee upon the sale of your shares, nor temporarily suspend your ability to sell shares if the fund's weekly liquid assets fall below 30% of its total assets because of market conditions or other factors. Interest rate increases can cause the price of a money market security to decrease. A decline in the credit quality of an issuer or a provider of credit support or a maturity-shortening structure for a security can cause the price of a money market security to decrease. Someone who has a low tolerance for investment risk and who wishes to keep the value of his or her investment relatively stable; Someone who is seeking to complement his or her bond and stock fund holdings in order to reach a particular asset allocation.

13 Initial offering of Premium Class shares for Fidelity Government Money Market Fund was on 04/14/2015. Returns and expenses prior to that date are those of Fidelity Government Money Market Fund (SPAXX). Had Fidelity Government Money Market Fund - Premium Class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Growth Company Fund - Class K FPRS code: 2090 Ticker: FGCKX Gross expense ratio: 0.77% as of 01/29/2016 Objective: Seeks capital appreciation. Strategy: Normally invests primarily in common stocks of domestic and foreign issuers that Fidelity Management &Research Company (FMR) believes offer the potential for above-average growth. Growth may be measured by factors such as earnings or revenue. Uses fundamental analysis of each issuer's financial condition and industry position and market and economic conditions to select investments. Risk: The value of the fund's domestic and foreign investments will vary from day to day in response to many factors, such as adverse issuer, political, regulatory, market, or economic developments. Stock values fluctuate in response to the activities of individual companies, and general market and economic conditions. You may have a gain or loss when you sell your shares. Foreign investments involve greater risks than those of U.S. investments. 'Growth' stocks can perform differently from the market as a whole and other types of stocks and can be more volatile than other types of stocks. Someone who is seeking the potential for long-term share-price appreciation; Someone who is willing to accept the generally greater price volatility associated with growth-oriented stocks. On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, nonadvisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity International Discovery Fund - Class K FPRS code: 2093 Ticker: FIDKX Gross expense ratio: 0.86% as of 12/30/2015 Objective: Seeks long-term growth of capital. Strategy: Normally investing primarily in non-u.s. securities. Normally investing primarily in common stocks. Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Foreign securities are subject to interest rate, currency exchange rate, economic, and political risks, all of which are magnified in emerging markets. Short-term redemption fee: This fund has a Short-term Redemption Fee of 1.00% for fee eligible shares held less than 30 days. Someone who is seeking to complement a portfolio of domestic investments with international investments, which can behave differently; Someone who is willing to accept the higher degree of risk associated with investing overseas. On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, nonadvisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Low-Priced Stock Fund - Class K FPRS code: 2095 Ticker: FLPKX Gross expense ratio: 0.78% as of 09/29/2016 Objective: Seeks capital appreciation. Strategy: Normally investing at least 80% of assets in low-priced stocks (those priced at or below $35 per share), which can lead to investments in small and medium-sized companies. Investing in either "growth" or "value" stocks or both. Normally investing primarily in common stocks. Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Foreign securities are subject to interest rate, currency exchange rate, economic, and political risks.

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