401(k) and 403(b) Retirement Plans Landing Page

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1 Content Post Date 09/28/17 Creator - Writer KUJK Creator Copy Editor Creator - Designer CONJASP/EDSB/CSRO Meta Description Page URL For AF recordkeeping solutions landing page: Make American Funds your MVP for 401(k) and 403(b) retirement plans: save money for your clients, build a stronger plan menu and put your trust in a proven industry leader; for RKD Page: RecordkeeperDirect is a retirement plan solution designed specifically for smaller businesses and is competitively priced; for PlanPremier page: Choose between two PlanPremier solutions, both of which are designed for larger 401(k) plans and are competitively priced Landing page: RecordkeeperDirect: 403b/recordkeeper-direct.html [New URL - Redirected from PlanPremier: [NEW URL - Redirected from and 401(k) and 403(b) Retirement Plans Landing Page Change to: 401(k) and 403(b) Retirement Plans HERO IMAGE [Graphic alt text: AF Retirement Recordkeeping Solutions Landing Page Hero] The Plan Size chart is an animated component, with the blue and green arrows zipping from left to right upon initial load. It will only animate once - quickly. The intention is to attract the eye when the viewer sees this section. Which Solution Is Right for Your Clients? American Funds retirement plan solutions are designed to serve a broad range of clients and offer the advantages of large-plan pricing to small- and mid-size employer-sponsored retirement plans. These solutions are available in a variety of share classes to accommodate both fee-based practice models, including those taking advantage of a recapture account, as well as commission-based models. Compete With Confidence. Make American Funds Your MVP Which firm have you chosen as your Most Valued Provider for defined contribution plans? American Funds among the largest defined contribution managers in the industry 1 was voted by retirement plan advisors as the most reliable provider and the easiest to do business with 2. [Graphic alt text: CG Phone Avatar] [We are going to use the customizable Contact Us component here] [Graphic alt text: Animated - Plan Solutions Chart] RecordkeeperDirect Designed especially for smaller plans Simple to operate and maintain Low-cost recordkeeping and investments Customized plan administration by a third-party administrator (TPA) > RecordKeeperDirect [Link to: r/products/401k-403b/recordkeeperdirect.html] PlanPremier Designed especially for larger plans Robust yet low-cost plan services Over 1,000 mutual funds from more than 40 investment managers*, including American Funds Two versions: - PlanPremier-TPA customized plan administration by a TPA - PlanPremier Bundled plan administration by American Funds > PlanPremier [Link to: 1k-403b/plan-premier.html] *As of 12/31/2016. Available investment options will vary by retirement plan solution and share class. Save Your Clients Money The American Funds fixed-dollar approach to plan pricing is designed to be low-cost and transparent and to provide better overall value. Related Tools Price-It Tool planning/price-it-tool.htm] Get estimated costs for retirement plans. Retirement Plan Cost Comparison Tool planning/retirement-plan-cost-comparisontool.htm] Compare fees and expenses from plan providers. Target Date ProView planning/target-date-proview.html] Evaluate target date retirement funds. > More Planning Tools [Link to: planning.html] Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.

2 Other Resources [Graphic alt text: Recordkeeping fees] [Image only] Low-Cost Pricing American Funds offers the benefits of large-plan pricing to small- and midsized plans. [Image only] Transparent Pricing With our straightforward pricing approach, plan sponsors know exactly what they re paying and what those fees are for. [Image only] Compensation Multiple share classes accommodate a variety of compensation options for feebased and commission-based advisors, as well as TPAs. Learn more about our retirement plan solutions: > RecordkeeperDirect [Link to: 403b/recordkeeper-direct.html] > PlanPremier [Link to: Build a Stronger Plan Menu Investment returns are critical to any plan participant s long-term success. With American Funds, you can start with a target date series voted best-in-class 2 and then build a diversified investment menu by choosing from among more than 1,000 funds from well-respected managers.* [Graphic alt text: Lipper Awards for TDF] [Image only] [See Lipper Awards copy] [Graphic alt text: Transparent pricing] [Image only] [Graphic alt text: Multiple share class commissions] [Graphic alt text: American Funds] 13 American Funds Selected for Morningstar s Fantastic 43 List Thirteen American Funds have made the 2017 Morningstar Fantastic 43 funds list. All 13 are underlying funds for our target date series. 4 Learn more about our target date series and our individual mutual funds: > American Funds Target Date Retirement Series [Link to: > American Funds Mutual Funds [Link to: The American Funds Target Date Retirement Series and other highly regarded American Funds are also available on many other DC platforms 5. Compare 401(k) and Safe Harbor 401(k) Plans 401k-vs-safe-harbor-401k.html] Compare the features of these retirement plans. Advisor Compensation Look up compensation on different share classes. Share Class Pricing and Details e-class-information/share-class-pricing.html] Get information on a wide choice of share and unit classes. Related How-To Guides Identify the Retirement Plan Solution That Meets Your Clients Needs uides/right-retirement-plan.html] Find the right plan for a plan sponsor. Expand Your Practice with Retirement Plans des/expand-into-retirement-plans.html] Strategies to find good leads and new clients. Our Target Date Funds Dominate Lipper Awards American Funds swept the Lipper Awards for three- and five-year periods for all 10 target date categories. 2 This footnote number should be a 3. Not all of the American Funds are available in our retirement plan solutions. v Access over 1,000 funds from more than 40 well-respected investment managers* (PlanPremier only) [FUND COMPANY LOGOS found in RPS Repositioning_PP_Fact Sheet.pdf, page 3] [Graphic filenames go here] [Graphic alt text: Multiple investment manager logos] *As of 12/31/2016. Available investment options will vary by retirement plan solution and share class. Trust a Proven Leader The true test of any long-term retirement plan solution is the level of service and support the provider offers to you, as the plan advisor, your plan sponsor clients and their plan s participants. From Thomson Reuters Lipper Awards, 2017 Thomson Reuters. All rights reserved. Used by permission and protected by the Copyright Laws of the United States. The printing, copying, redistribution, or retransmission of this Content without express written permission is prohibited. * Not all of the American Funds are available in our Defined Contribution solutions. Retirement plan solutions that can benefit you and your clients. [This PDF should be used as a reference for the investment manager logos we plan to display in this drawer.] Advisor Benefits Personalized Sales Support [Graphic alt text: Advisor Plan Sponsor Benefits Reliable Ongoing Service [Graphic alt text: Plan Sponsor Participant Benefits Improved Participant Outcomes [Graphic alt text: Participant RPS Repositioning_PP_Fa Each box in this graphic layout displays content in a drawer that opens underneath the three images with a click.

3 [In the drawer that opens on rollover below the Advisor Benefits: Personalized Sales Support box:] Get personalized sales support to build your retirement plan business An experienced sales team, comprising specialists who ve taken the time to understand your business needs, can help you win and retain more plans. Highly effective webinars, videos and literature can help you enroll employees and educate plan participants. [In the drawer that opens on rollover below the Plan Sponsor Benefits: Reliable Ongoing Service box:] Rely on ongoing service to help retain satisfied clients A robust plan sponsor website provides access to participant fee disclosure and the ability to approve loans and distributions. A knowledgeable in-house support service team addresses and resolves issues quickly. Extensive plan data and analysis is available through a customized Plan Review report, which is updated quarterly and available online. [In the drawer that opens on rollover below the Participant Benefits: Improved Participant Outcomes box:] Help improve participant outcomes with enrollment and education support An engaging suite of materials encourages employees to enroll and stay invested in the plan. A comprehensive educational program, Investing for Life [ helps guide participants through every stage of retirement planning and investing. v Help Plan Sponsors Meet Their Investment-Related Fiduciary Obligations American Funds makes plan investment-related fiduciary services available through an independent third party, Wilshire Associates Incorporated (Wilshire ) 6. View Third-Party Fiduciary Services [Link to: What s Next Get a Preliminary Fee Quote Use Price-It Tool to get an estimate of plan costs. /tools/planning/price-it-tool.htm] Compare Plan Fees and Expenses Use Retirement Plan Cost Comparison Tool to compare various retirement plan providers. ols/planning/retirement-plan-costcomparison-tool.htm] Evaluate Target Date Funds Use Target Date ProView tool to evaluate target date retirement funds, according to DOL guidance. tools/planning/target-date-proview.html] [Graphic alt text: CG Phone Avatar] [We are going to use the customizable Contact Us component here]

4 1 Pensions & Investments, Largest DC Managers By Total Assets: 2016, August Market Strategies International, Cogent Wealth Reports [Link to: Retirement Plan Advisor Trends TM, September Methodology: There were 508 respondents to a web survey conducted from August 16 to August 24, The respondents consisted of financial advisors managing defined contribution plans. 3 The 2017 Lipper Fund Awards were awarded on March 23, 2017, and based on risk-adjusted returns as of November 30, Source: The Fantastic 43, Morningstar FundSpy, September Morningstar s annual review of nearly 8,000 mutual funds identifies a select group of funds based on key investment criteria, which include cheapest quintile of category, manager investment of more than $1 million in this fund, Morningstar Risk rating below the High level, Morningstar Analyst Rating of Bronze or higher, parent rating of Positive and returns above the fund s benchmark over the manager s tenure. 5 Check with your home office for details. 6 Wilshire s recommendations are subject to any generally applicable limitation on the investment options available, including limitations imposed by the plan s recordkeeper or financial professional. Plans that elect target-date mapping at plan conversion may only choose coverage under the 3(21) Select List. Wilshire is a registered service mark of Wilshire Associates Incorporated, Santa Monica, California. All other trade names, trademarks and/ or service marks are the property of their respective holders. Wilshire is not an affiliate of any member company of American Funds. Wilshire is solely responsible for the program material and its investment recommendations. The complete terms and limitations of Wilshire s 3(21) Investment Adviser and 3(38) Investment Manager programs may be found in the applicable agreement between the plan sponsor and Wilshire. Content contained herein is not intended to serve as impartial investment or fiduciary advice. The content has been developed by the distributor of the American Funds mutual funds which receives fees for distributing and servicing the funds. DISCLOSURE Disclosure Web Context Disclosure 3 Disclosure 4 Disclosure 5 Audience: adviser Channel: digital Statistics: Investment Vehicle: Fee Structure: Retirement Index: General: Investment Name: Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value. /content/structured/us/en/offer-and-risk/rsnip--bank-hedge-/general-rsnip This material is intended for use by financial professionals or in conjunction with the advice of a financial professional /content/structured/us/en/legal-annotation-/american-funds/disclaimer/material-is-intended-for-finprofessionals Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing. /content/structured/us/en/offer-and-risk/prospectus/general-prospectus-offer

5 RecordkeeperDirect Page Change to: 401(k) and 403(b) Retirement Plans American Funds Makes Small-Business Retirement Plans Simple and Competitively Priced. RecordkeeperDirect is a retirement plan solution designed specifically for smaller businesses. This high-quality program: Is competitively priced Makes plans simple to operate and maintain Offers a full complement of American Funds investments Provides customized plan administration from a third-party administrator (TPA) Pricing & Compensation Investments Support & Services Anchor Links Save Your Clients Money Anchor Links [Graphic alt text: RKD Hero] The American Funds fixed-dollar approach to plan pricing is designed to be low-cost and transparent and to provide better overall value. A Closer Look at RecordkeeperDirect s Pricing (effective January 1, 2018) Step 1: Determine the annual recordkeeping fees based on plan assets and share class. Step 2: Choose a share class depending on what level of compensation is necessary to meet the plan s service requirements. 1 3, 4 [We are going to use the customizable contact us component here] [Graphic alt text: CG Phone Avatar] Related Tools Price-It Tool Get estimated costs for retirement plans. Other Resources Cash Balance Plan (PDF) cgc/shared-content/documents/singlesheets/rpgefl pdf] By offering a cash balance plan alongside their current 401(k) plan, your clients might be able to increase plan contribution limits and reduce corporate taxes. Change footnotes from 4 to 2 for R-5E and R-6 Table split into two for web readability. Advisor and TPA compensation, if any, are included in the average expense ratio. 1 There is a one-time RecordkeeperDirect plan installation fee of $500 for startup plans; waived for R-2 only if plan assets reach $100,000 as of the last day of the plan s first recordkeeping quarter. No charge for takeover plans. The $20 per-participant fee will be deducted from participant accounts. 2 Available as of January 1, Average expense ratios shown are provided only as examples. The actual average expense ratio depends on the investments selected for the plan and participant allocations. Expense ratios reflect applicable fee waivers and expense reimbursements, without which expenses would be higher. 4 The average expense ratio shown for each RecordkeeperDirect share class is for all funded investments and is weighted, based on average daily net assets in the program as of 12/31/2016; however the weighted average expense ratio for the R-5E share class, which will be available as of January 1, 2018, is based on program assets invested in the American Funds investment options in all share classes. Accordingly, more weight is given to funds with more assets. Actual expenses ratios, as reported in each fund's prospectus available at the time of publication, range from 0.69% to 2.03% for R-2; 0.49% to 1.61% for R-3; 0.45% to 1.29% for R-4; 0.46% to 1.14% for R-5E; and 0.25% to 0.93% for R-6. Build a Stronger Plan Menu Start with a target date series that advisors have voted best-in-class 5. Then distinguish yourself by offering a comprehensive selection of the American Funds. Help sponsors reduce their fiduciary liability by meeting 404(c) requirements when creating a welldiversified plan menu of up to 20 funds. Although the American Funds Target Date Retirement Series is available on many other providers' platforms, it is likely to be less expensive in an American Funds retirement plan solution.

6 [Image only] [Graphic alt text: Target Date Series] American Funds Target Date Retirement Series Voted best-in-class 5 by financial professionals. [Image only] [Graphic alt text: American Funds] The American Funds Mutual Fund Family Offers the most widely used [funds] in DC plans 6. Learn more about our target date series and our individual mutual funds: > American Funds Target Date Retirement Series [Link to: > American Funds Mutual Funds [Link to: The American Funds Target Date Retirement Series and other highly regarded American Funds are also available on many other DC platforms 7. Not all of the American Funds are available in our retirement plan solutions. Trust a Proven Leader American Funds has earned high marks for advisor support and plan sponsor service 5,8 all of which can make your job easier and your practice more effective. A retirement plan solution that can benefit you and your clients. Advisor Benefits Personalized Sales Support [Graphic alt text: Advisor Plan Sponsor Benefits Reliable Ongoing Service [Graphic alt text: Plan Sponsor Participant Benefits Improved Participant Outcomes [Graphic alt text: Participant Each box in this graphic layout displays content in a drawer that opens underneath the three images with a click. [In the drawer that opens on rollover below the Advisor Benefits: Personalized Sales Support box:] Get personalized sales support to build your retirement plan business An experienced sales team, comprising specialists who ve taken the time to understand your business needs, can help you win and retain more plans. [In the drawer that opens on rollover below the Plan Sponsor Benefits: Reliable Ongoing Service box:] Rely on ongoing service to help retain satisfied clients A knowledgeable in-house support service team addresses and resolves issues quickly. Fiduciary support is available for plan sponsors who want help selecting and monitoring investments with optional ERISA 3(21) and 3(38) investment services through Wilshire Associates Incorporated (Wilshire ) 9. Learn more about the online features that will help plan sponsors manage their plans on the plan sponsor demo site. [Link to: The plan sponsor site link should open up in a new window. [In the drawer that opens on rollover below the Participant Benefits: Improved Participant Outcomes box:] Help improve participant outcomes with enrollment and education support A comprehensive educational program, Investing for Life ], helps guide participants through every stage of retirement planning and investing. Learn about the online tools and resources available to plan participants on the participant demo site. [Link to: The participant site link should open up in a new window.

7 v Help Plan Sponsors Meet Their Investment-Related Fiduciary Obligations American Funds makes plan investment-related fiduciary services available through an independent third party, Wilshire Associates Incorporated (Wilshire ) 9. View Third-Party Fiduciary Services [Link to: What s Next Order a Retirement Plan Proposal Order a retirement plan proposal for RecordKeeperDirect. [Link to: [We are going to use the customizable Contact Us component here] [Graphic filename goes here] [Graphic alt text: CG Phone Avatar] 5 Market Strategies International, Cogent Wealth Reports [Link to: contribution], Retirement Plan Advisor Trends TM, September Methodology: There were 508 respondents to a web survey conducted from August 16 to August 24, The respondents consisted of financial advisors managing defined contribution plans. 6 Pensions & Investments, Largest DC Managers By Total Assets: 2016, August Check with your home office for details. 8 Brightwork Partners, Retirement Services Intermediaries 10, May Wilshire s recommendations are subject to any generally applicable limitation on the investment options available, including limitations imposed by the plan s recordkeeper or financial professional. Plans that elect target-date mapping at plan conversion may only choose coverage under the 3(21) Select List. Wilshire is a registered service mark of Wilshire Associates Incorporated, Santa Monica, California. All other trade names, trademarks and/ or service marks are the property of their respective holders. Wilshire is not an affiliate of any member company of American Funds. Wilshire is solely responsible for the program material and its investment recommendations. The complete terms and limitations of Wilshire s 3(21) Investment Adviser and 3(38) Investment Manager programs may be found in the applicable agreement between the plan sponsor and Wilshire. Content contained herein is not intended to serve as impartial investment or fiduciary advice. The content has been developed by the distributor of the American Funds mutual funds which receives fees for distributing and servicing the funds. DISCLOSURE Disclosure Web Context Disclosure 3 Disclosure 4 Disclosure 5 Audience: adviser Channel: digital Statistics: Investment Vehicle: Fee Structure: Retirement Index: General: Investment Name: Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value. /content/structured/us/en/offer-and-risk/rsnip--bank-hedge-/general-rsnip This material is intended for use by financial professionals or in conjunction with the advice of a financial professional /content/structured/us/en/legal-annotation-/american-funds/disclaimer/material-is-intended-for-finprofessionals Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing. /content/structured/us/en/offer-and-risk/prospectus/general-prospectus-offer---tdfe

8 PlanPremier Page This is an image but PlanPremier should have registered trademark after it in the blue bar. Change to: 401(k) and 403(b) Retirement Plans This is an image but PlanPremier should have registered trademark after it in the breadcrumb. [Graphic alt text: PlanPremier Hero] American Funds Offers Investment Flexibility and Reliable Ongoing Service at a Competitive Price. Choose between two PlanPremier solutions, both of which are designed for larger retirement plans and provide access to a wide range of investments from a number of well-known investment managers.* PlanPremier-TPA PlanPremier-Bundled [We are going to use the customizable contact us component here] [Graphic alt text: CG Phone Avatar] A third-party administrator (TPA) assists the plan sponsor with plan document design, compliance testing, eligibility tracking and Form 5500 preparation. American Funds assists the plan sponsor with plan document design, compliance testing, eligibility tracking and Form 5500 preparation. Related Tools Price-It Tool Get estimated costs for retirement plans. * As of 12/31/16. Fund availability may vary by solution and share class. Pricing & Compensation Investments Support & Services Anchor Links Save Your Clients Money Anchor Links The American Funds fixed-dollar approach to plan pricing is designed to be low-cost and transparent and to provide better overall value. Our investment and recordkeeping pricing can help you win and retain plans on the basis of our low all-in plan cost. We also offer a variety of compensation options for fee-based advisors, commission-based advisors and for TPAs. Recapture accounts for advisor and TPA compensation are available for share classes R-2, R-2E, R-3 and R-4. Other Resources Cash Balance Plan (PDF) cgc/shared-content/documents/singlesheets/rpgefl pdf] By offering a cash balance plan alongside their current 401(k) plan, your clients might be able to increase plan contribution limits and reduce corporate taxes. A Closer Look at PlanPremier Pricing With the American Funds approach to plan pricing, plan assets depending on the share class generate a plan credit that can offset plan expenses. Over time, net plan expenses, as a percentage of assets, will decrease as assets grow. Step 1: Determine the annual recordkeeping fees based on the number of plan participants. Step 2: Choose a share class depending on (1) how the plan sponsor wishes to pay for the recordkeeping fees (with or without expense ratio revenue generated by plan credits) and (2) what level of compensation is necessary to meet the plan s service requirements.

9 This table has been split into two for web readability [Graphic alt text: How plan credits decrease fees chart] *Average expense ratios shown are provided only as examples. The actual average expense ratio depends on the investments selected for the plan and participant allocations. Expense ratios reflect applicable fee waivers and expense reimbursements, without which expenses would be higher. The average expense ratio shown for each PlanPremier share class is for all funded investments and is weighted, based on average daily net assets in the program as of 12/31/2016; however, the weighted average expense ratio for the R-5E share class, which was first offered in PlanPremier on May 1, 2017, is based on program assets invested in the American Funds investment options in all share classes. Accordingly, more weight is given to funds with more assets. Actual expense ratios, as reported in each fund s prospectus available at the time of publication, range from 0.25% to 2.66% for R-2; 0.53% to 2.08% for R-2E; 0.20% to 2.23% for R-3; 0.05% to 2.00% for R-4; 0.05% to 2.15% for R-5E; 0.05% to 1.99% for R-5; and 0.05% to 1.93% for R-6. > View a compelling illustration showing how our approach to retirement plan pricing is designed to provide better overall value. [SCROLL DOWN TO SEE USE CASE PAGE WITH AN OPEN DRAWER CLICK]

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11 Sample Illustration for PlanPremier-TPA PlanPremier-TPA If you have a specific opportunity, call American [Link to: Funds at (800) [Calls on click for ipad/mobile] planning/retirement-plan-cost-comparisontool.htm A custom plan cost comparison report could help you win the business. Reference PDF file: 02_CR_RPS The Right Provider for Your Defined Contribution Plans.pdf (Page 4 of 8) 02_CR_RPS The Right Provider for Yo

12 Build a Stronger Plan Menu With PlanPremier you can develop a diversified menu intended to improve retirement outcomes. Start with a target date series advisors have voted best-in-class. 1 Distinguish yourself by choosing the American Funds Target Date Retirement Series, which leverages a distinct approach designed to promote better retirement investment outcomes. Better still: Even though the American Funds Target Date Retirement Series is available on many other providers platforms, it may be less expensive in an American Funds retirement plan solution. Then build a diversified menu using an expansive choice of investments. Choose powerful funds from American Funds, an investment leader that is the most widely used provider in DC plans, spanning all AUM segments. 2 Access over 1,000 funds from more than 40 well-respected investment managers.* Learn more about our target date series and our individual mutual funds: > American Funds Target Date Retirement Series [Link to: > American Funds Mutual Funds [Link to: The American Funds Target Date Retirement Series and other highly regarded American Funds are also available on many other DC platforms 3. Not all of the American Funds are available in our retirement plan solutions. v Access over 1,000 funds from more than 40 well-respected investment managers* [FUND COMPANY LOGOS found in RPS Repositioning_PP_Fact Sheet.pdf, page 3] RPS Repositioning_PP_Fa [Graphic filenames go here] [Graphic alt text: Multiple investment manager logos] *As of 12/31/2016. Available investment options will vary by retirement solution and share class. Trust a Proven Leader The true test of any long-term retirement plan solution is the level of service and support the provider offers to you, as the plan advisor, your plan sponsor clients and their plan s participants. Retirement plan solutions that can benefit you and your clients. Advisor Benefits Personalized Sales Support [Graphic alt text: Advisor Plan Sponsor Benefits Reliable Ongoing Service [Graphic alt text: Plan Sponsor Participant Benefits Improved Participant Outcomes [Graphic alt text: Participant Each box in this graphic layout displays content in a drawer that opens underneath the three images with a click.

13 [In the drawer that opens on rollover below the Advisor Benefits: Personalized Sales Support box:] Get personalized sales support to build your retirement plan business An experienced sales team, comprising specialists who ve taken the time to understand your business needs, can help you win and retain more plans. Highly effective webinars, videos and literature can help you enroll employees and educate plan participants. Learn more about the capabilities, reports and information PartnerLink provides to help you support your retirement plan business on the advisor demo site. [Link to: The advisor site link should up in a new window. [In the drawer that opens on rollover below the Plan Sponsor Benefits: Reliable Ongoing Service box:] Rely on ongoing service to help retain satisfied clients A robust plan sponsor website saves time and effort, helping sponsors monitor the health of the plan and manage day-to-day tasks with ease. Plan sponsors can automatically track employee eligibility, conduct paperless enrollment and schedule periodic deferral increases 4. A Payroll Bridge feature processes contributions electronically, cutting sponsors work in half as it connects their payroll provider and American Funds 5. A knowledgeable in-house support service team addresses and resolves issues quickly. Fiduciary support is available for plan sponsors who want help selecting and monitoring investments with optional ERISA 3(21) and 3(38) investment services through Wilshire Associates Incorporated (Wilshire ) 6. Learn more about the online features that will help plan sponsors manage their plans on the plan sponsor demo site for PlanPremier-Bundled [Link to: or the plan sponsor demo site for PlanPremier-TPA [Link to: The two plan sponsor site links should open up in a new window. [In the drawer that opens on rollover below the Participant Benefits: Improved Participant Outcomes box:] Help improve participant outcomes with enrollment and education support An engaging suite of materials encourages employees to enroll and stay invested in the plan. A comprehensive ongoing educational program including our Investing for Life suite and Lunch n Learn seminars helps guide participants through every stage of retirement planning and investing. Many of these materials are also available in Spanish. A customized progress report brochure helps participants determine how successful they are in pursuing their retirement income goals. Learn about the online tools and resources available to plan participants on the participant demo site. [Link to: The participant site link should open up in a new window.

14 v Help Plan Sponsors Meet Their Investment-Related Fiduciary Obligations American Funds makes plan investment-related fiduciary services available through an independent third party, Wilshire Associates Incorporated (Wilshire ) 6. View Third-Party Fiduciary Services [Link to: What s Next Order a Retirement Plan Proposal Order a retirement plan proposal for PlanPremier. [Link to: [We are going to use the customizable Contact Us component here] [Graphic alt text: CG Phone Avatar] 1 Market Strategies International, Cogent Wealth Reports [Link to: contribution], Retirement Plan Advisor Trends TM, September Methodology: There were 508 respondents to a web survey conducted from August 16 to August 24, The respondents consisted of financial advisors managing defined contribution plans. 2 Pensions & Investments, Largest DC Managers By Total Assets: 2016, August Check with your home office for details. 4 This feature s availability is dependent on information provided in the payroll file. 5 A wide range of payroll providers are approved to work with American Funds. 6 Wilshire s recommendations are subject to any generally applicable limitation on the investment options available, including limitations imposed by the plan s recordkeeper or financial professional. Plans that elect target-date mapping at plan conversion may only choose coverage under the 3(21) Select List. Wilshire is a registered service mark of Wilshire Associates Incorporated, Santa Monica, California. All other trade names, trademarks and/ or service marks are the property of their respective holders. Wilshire is not an affiliate of any member company of American Funds. Wilshire is solely responsible for the program material and its investment recommendations. The complete terms and limitations of Wilshire s 3(21) Investment Adviser and 3(38) Investment Manager programs may be found in the applicable agreement between the plan sponsor and Wilshire. Content contained herein is not intended to serve as impartial investment or fiduciary advice. The content has been developed by the distributor of the American Funds mutual funds which receives fees for distributing and servicing the funds. DISCLOSURE Disclosure Web Context Disclosure 3 Disclosure 4 Disclosure 5 Audience: adviser Channel: digital Statistics: Investment Vehicle: Fee Structure: Retirement Index: General: Investment Name: Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value. /content/structured/us/en/offer-and-risk/rsnip--bank-hedge-/general-rsnip This material is intended for use by financial professionals or in conjunction with the advice of a financial professional /content/structured/us/en/legal-annotation-/american-funds/disclaimer/material-is-intended-for-finprofessionals Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing. /content/structured/us/en/offer-and-risk/prospectus/general-prospectus-offer---tdfe