IMPORTANT DISCLOSURE INFORMATION

INVESTMENT AND INSURANCE PRODUCTS ARE: NOT FDIC Insured | NOT Bank Guaranteed | MAY Lose Value.


Past performance is not a guarantee of future results. Asset allocation does not guarantee better performance and cannot eliminate the risk
of investment losses. Indices are not available for direct investment. Index performance does not reflect the expenses associated with the
management of an actual portfolio.


Market segment (index representation) as follows: US Stock Market (Russell 3000 Index), International Developed Stocks (MSCI World ex USA
Index [net div.]), Emerging Markets (MSCI Emerging Markets Index [net div.]), Global Real Estate (S&P Global REIT Index [net div.]), US Bond
Market (Bloomberg Barclays US Aggregate Bond Index), and Global Bond ex US Market (Citi WGBI ex USA 1−30 Years [Hedged to USD]).


The S&P data are provided by Standard & Poor’s Index Services Group. Frank Russell Company is the source and owner of the trademarks,
service marks, and copyrights related to the Russell Indexes. MSCI data © MSCI 2017, all rights reserved. Bloomberg Barclays data provided
by Bloomberg. Citi fixed income indices copyright 2017 by Citigroup. Dow Jones data (formerly Dow Jones Wilshire) provided by Dow Jones
Indices. Bloomberg Barclays data provided by Bloomberg. Treasury bills © Stocks, Bonds, Bills, and Inflation Yearbook™, Ibbotson Associates,
Chicago (annually updated work by Roger G. Ibbotson and Rex A. Sinquefield).