SUMMARY PLAN DESCRIPTION

2020 Target Date Fund 0.96/0.96 5.01 7.28 7.05 7.83 2015 Target Date Fund 0.96/0.96 4.68 6.54 6.42 6.66 2010 Target Date Fund 0.97/0.97 4.40 6.03 6.06 6.37 1American Funds 2065 Target Date Retirement Fund became available for purchase on March 27, 2020. ................
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