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Plan Options: Performance and Expenses

This document includes important information to help you compare the investment options under your retirement plan. If you want additional information about your investment options, you can go to the specific Internet Web site address shown in the Investment Company Contact Information section or you can contact [insert name of plan administrator or designee] at [insert telephone number and address]. A free paper copy of the information available on the Web site[s] can be obtained by contacting [insert name of plan administrator or designee] at [insert telephone number].

Investors should consider the investment objectives, risks, and charges and expenses of a fund carefully before investing. Prospectuses containing this and other information about the fund are available by contacting your financial consultant. Please read the prospectus carefully before investing to make sure that the fund is appropriate for your goals and risk tolerance. The performance information shown represents past performance and is not a guarantee of future results. The investment return and principal value of an investment will fluctuate so that the shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance information shown. For performance data current to the most recent month-end abd for information about an an investment's principal risks, please reference the website and phone available in the Investment Company Contact Information section.

Your Investment Options

Large-Cap Equity Vanguard 500 Index Investor Investment Type: Mutual Fund Peer Group: Large Blend Ticker: VFINX Your Share Class Inception: 08/31/1976 Oldest Share Class Inception: 08/31/1976 Performance Benchmark S&P 500 TR

American Funds AMCAP R5 Investment Type: Mutual Fund Peer Group: Large Growth Ticker: RAFFX Your Share Class Inception: 05/15/2002 Oldest Share Class Inception: 05/01/1967 Performance Benchmark Russell 1000 Growth TR USD

American Funds Growth Fund of Amer A Investment Type: Mutual Fund Peer Group: Large Growth Ticker: AGTHX Your Share Class Inception: 11/30/1973 Oldest Share Class Inception: 11/30/1973 Performance Benchmark Russell 1000 Growth TR USD

Total Annual

Total Annualized Returns as of 6/30/2011

Investment Expenses

0.17% - Investment expenses 1.17% - Median peer expenses Charged $1.70 annually per $1000 invested

e Costs less than 97% of its 1,753 peers

Shareholder-type Expenses (If applicable) None

typ 0.44% - Investment expenses

1.24% - Median peer expenses Charged $4.40 annually per $1000 invested Costs less than 98% of its 1,535 peers

Shareholder-type Expenses (If applicable)

to None

0.69% - Investment expenses

o 1.24% - Median peer expenses

Charged $6.90 annually per $1000 invested

r Costs less than 93% of its 1,535 peers

Shareholder-type Expenses (If applicable) 5.75% sales charge subtracted from amounts

P invested.

1 Year

5 Year

10 Year

0.99% - Investment return -1.46% - Median peer return 1.14% - Benchmark return Earned $9.90 per $1000 invested Outperformed 81% of its 1,679 peers

-1.26% - Investment return -1.71% - Median peer return -1.18% - Benchmark return Lost $63.00 per $1000 invested Outperformed 65% of its 1,234 peers

Investment return since inception is 10.09% for your share class

2.71% - Investment return 2.48% - Median peer return 2.82% - Benchmark return Earned $271.00 per $1000 invested Outperformed 61% of its 722 peers

1.78% - Investment return -0.25% - Median peer return 3.78% - Benchmark return Earned $17.80 per $1000 invested Outperformed 69% of its 1,476 peers

0.72% - Investment return -0.03% - Median peer return 1.62% - Benchmark return Earned $36.00 per $1000 invested Outperformed 64% of its 1,097 peers

4.23% - Investment return 2.59% - Median peer return 3.01% - Benchmark return Earned $423.00 per $1000 invested Outperformed 80% of its 671 peers

Investment return since inception is 3.44% for your share class

Note: Any investment return shown in bold italics was calculated using extended performance data. The oldest share class return adjusted for your share class expense is shown as a proxy.

-3.39% - Investment return -0.25% - Median peer return 3.78% - Benchmark return Lost $33.90 per $1000 invested Outperformed 23% of its 1,476 peers

-0.98% - Investment return -0.03% - Median peer return 1.62% - Benchmark return Lost $49.00 per $1000 invested Outperformed 31% of its 1,097 peers

Investment return since inception is 13.06% for your share class

4.44% - Investment return 2.59% - Median peer return 3.01% - Benchmark return Earned $444.00 per $1000 invested Outperformed 83% of its 671 peers

Dodge & Cox Stock Investment Type: Mutual Fund Peer Group: Large Value Ticker: DODGX Your Share Class Inception: 01/04/1965 Oldest Share Class Inception: 01/04/1965 Performance Benchmark Russell 1000 Value TR USD

0.52% - Investment expenses 1.18% - Median peer expenses Charged $5.20 annually per $1000 invested Costs less than 94% of its 1,170 peers

Shareholder-type Expenses (If applicable) None

-4.08% - Investment return -2.56% - Median peer return -1.89% - Benchmark return Lost $40.80 per $1000 invested Outperformed 34% of its 1,103 peers

-4.91% - Investment return -3.06% - Median peer return -3.53% - Benchmark return Lost $245.50 per $1000 invested Outperformed 21% of its 837 peers

Investment return since inception is 10.32% for your share class

4.14% - Investment return 2.80% - Median peer return 3.36% - Benchmark return Earned $414.00 per $1000 invested Outperformed 79% of its 457 peers

Plan Options: Performance and Expenses (Cont.)

This document includes important information to help you compare the investment options under your retirement plan. If you want additional information about your investment options, you can go to the specific Internet Web site address shown in the Investment Company Contact Information section or you can contact [insert name of plan administrator or designee] at [insert telephone number and address]. A free paper copy of the information available on the Web site[s] can be obtained by contacting [insert name of plan administrator or designee] at [insert telephone number].

Your Investment

Total Annual

Total Annualized Returns as of 6/30/2011

Options

Investment Expenses

1 Year

5 Year

10 Year

Large-Cap Equity (Cont.)

First Trust Strategic Value Index Investment Type: Exchange Traded Fund Peer Group: Large Value Ticker: FDV Your Share Class Inception: 07/06/2006 Oldest Share Class Inception: 07/06/2006 Performance Benchmark Russell 1000 Value TR USD

Mid-Cap Equity BlackRock Mid Cap Value Opportunities R Investment Type: Mutual Fund Peer Group: Mid-Cap Value Ticker: MRRFX Your Share Class Inception: 02/04/2003 Oldest Share Class Inception: 02/01/1995 Performance Benchmark Russell Mid Cap Value TR USD

Small-Cap Equity Pacific Advisors Small Cap Value A Investment Type: Mutual Fund Peer Group: Small Blend Ticker: PASMX Your Share Class Inception: 02/08/1993 Oldest Share Class Inception: 02/08/1993 Performance Benchmark Russell 2000 TR USD

Developed International Equity Principal Diversified Intl R3 Investment Type: Mutual Fund Peer Group: Foreign Large Blend Ticker: PINRX Your Share Class Inception: 12/06/2000 Oldest Share Class Inception: 12/06/2000 Performance Benchmark MSCI AC World Ex USA NR USD

0.65% - Investment expenses

-3.43% - Investment return

0.65% - Investment return

N/Av

1.18% - Median peer expenses

-2.56% - Median peer return

-3.06% - Median peer return

2.80% - Median peer return

Charged $6.50 annually per $1000 invested

-1.89% - Benchmark return

-3.53% - Benchmark return

3.36% - Benchmark return

Costs less than 90% of its 1,170 peers

Shareholder-type Expenses (If applicable) Non-contractual expense ratio cap of 0.65%. Expires on 2013-1-3. Gross expense ratio is 0.86%.

e 1.66% - Investment expenses p 1.25% - Median peer expenses

Charged $16.60 annually per $1000 invested Costs less than 24% of its 410 peers

ty Shareholder-type Expenses (If applicable)

None

to 2.59% - Investment expenses

1.32% - Median peer expenses Charged $25.90 annually per $1000 invested Costs less than 3% of its 628 peers

o Shareholder-type Expenses (If applicable)

5.75% sales charge subtracted from amounts

Pr invested.

Lost $34.30 per $1000 invested Outperformed 40% of its 1,103 peers

Earned $32.50 per $1000 invested Outperformed 94% of its 837 peers

Investment return since inception is 1.28% for your share class

-1.97% - Investment return -4.15% - Median peer return -2.36% - Benchmark return Lost $19.70 per $1000 invested Outperformed 74% of its 390 peers

0.38% - Investment return -1.00% - Median peer return -0.84% - Benchmark return Earned $19.00 per $1000 invested Outperformed 76% of its 264 peers

5.98% - Investment return 6.02% - Median peer return 7.54% - Benchmark return Earned $598.00 per $1000 invested Outperformed 49% of its 116 peers

Investment return since inception is 8.40% for your share class

Note: Any investment return shown in bold italics was calculated using extended performance data. The oldest share class return adjusted for your share class expense is shown as a proxy.

1.53% - Investment return -3.61% - Median peer return -3.53% - Benchmark return Earned $15.30 per $1000 invested Outperformed 92% of its 591 peers

-0.88% - Investment return -1.13% - Median peer return -1.02% - Benchmark return Lost $44.00 per $1000 invested Outperformed 53% of its 437 peers

Investment return since inception is 8.19% for your share class

9.15% - Investment return 6.02% - Median peer return 6.12% - Benchmark return Earned $915.00 per $1000 invested Outperformed 92% of its 253 peers

1.48% - Investment expenses 1.34% - Median peer expenses Charged $14.80 annually per $1000 invested Costs less than 41% of its 804 peers

Shareholder-type Expenses (If applicable) None

-8.28% - Investment return -11.48% - Median peer return -10.81% - Benchmark return Lost $82.80 per $1000 invested Outperformed 85% of its 741 peers

-3.87% - Investment return -3.64% - Median peer return -1.57% - Benchmark return Lost $193.50 per $1000 invested Outperformed 45% of its 470 peers

Investment return since inception is 1.65% for your share class

5.22% - Investment return 4.36% - Median peer return 6.83% - Benchmark return Earned $522.00 per $1000 invested Outperformed 74% of its 268 peers

Plan Options: Performance and Expenses (Cont.)

This document includes important information to help you compare the investment options under your retirement plan. If you want additional information about your investment options, you can go to the specific Internet Web site address shown in the Investment Company Contact Information section or you can contact [insert name of plan administrator or designee] at [insert telephone number and address]. A free paper copy of the information available on the Web site[s] can be obtained by contacting [insert name of plan administrator or designee] at [insert telephone number].

Your Investment

Total Annual

Total Annualized Returns as of 6/30/2011

Options

Investment Expenses

1 Year

5 Year

10 Year

Emerging Market Equity

American Century Emerging Markets A Investment Type: Mutual Fund Peer Group: Diversified Emerging Mkts Ticker: AEMMX Your Share Class Inception: 05/12/1999 Oldest Share Class Inception: 09/30/1997 Performance Benchmark MSCI EM NR USD

Sit Inv Pac Basin Investment Type: Separate Account Peer Group: Diversified Pacific/Asia

Your Share Class Inception: Oldest Share Class Inception: 9/29/1989 Performance Benchmark MSCI Pacific NR USD

US Real Estate AllianceBern Glbl Rel Est Invmt Adv Investment Type: Mutual Fund Peer Group: Global Real Estate Ticker: ARSYX Your Share Class Inception: 09/30/1996 Oldest Share Class Inception: 09/30/1996 Performance Benchmark MSCI World/Real Estate NR USD

Intermediate Fixed Income Federated Bond B Investment Type: Mutual Fund Peer Group: Intermediate-Term Bond Ticker: FDBBX Your Share Class Inception: 06/28/1995 Oldest Share Class Inception: 05/20/1987 Performance Benchmark BarCap US Agg Bond TR USD

1.98% - Investment expenses

-19.55% - Investment return

0.23% - Investment return

1.57% - Median peer expenses

-17.79% - Median peer return

3.01% - Median peer return

Charged $19.80 annually per $1000 invested

-16.15% - Benchmark return

4.87% - Benchmark return

Costs less than 23% of its 516 peers

Shareholder-type Expenses (If applicable) 5.75% sales charge subtracted from amounts invested.

e Investment expenses are N/Av

Median peer expenses are N/Av

p Shareholder-type Expenses (If applicable) ty None

Lost $195.50 per $1000 invested Outperformed 34% of its 406 peers

Earned $11.50 per $1000 invested Outperformed 10% of its 209 peers

Investment return since inception is 7.61% for your share class

23.74% - Investment return 25.60% - Median peer return 20.87% - Benchmark return Earned $237.40 per $1000 invested Outperformed 34% of its 13 peers

5.58% - Investment return 4.42% - Median peer return 0.46% - Benchmark return Earned $279.00 per $1000 invested Outperformed 63% of its 9 peers

Investment return since inception is N/Av

to 1.28% - Investment expenses

1.40% - Median peer expenses Charged $12.80 annually per $1000 invested Costs less than 58% of its 151 peers

Shareholder-type Expenses (If applicable)

Pro None

-10.23% - Investment return -10.15% - Median peer return -6.40% - Benchmark return Lost $102.30 per $1000 invested Outperformed 48% of its 131 peers

-5.97% - Investment return -5.52% - Median peer return -4.76% - Benchmark return Lost $298.50 per $1000 invested Outperformed 42% of its 64 peers

Investment return since inception is 7.82% for your share class

1.80% - Investment expenses

3.02% - Investment return

6.06% - Investment return

0.84% - Median peer expenses

3.95% - Median peer return

5.91% - Median peer return

Charged $18.00 annually per $1000 invested

5.26% - Benchmark return

6.53% - Benchmark return

Costs less than 4% of its 1,104 peers

Earned $30.20 per $1000 invested

Earned $303.00 per $1000 invested

Shareholder-type Expenses (If applicable)

Outperformed 28% of its 1,045 peers

Outperformed 55% of its 741 peers

5.50% sales charge subtracted from amounts

Investment return since inception is 5.65% for your share class

invested. Non-contractual expense waiver of

0.20%. Expires on 2012-1-31. Gross expense

ratio is 2.00%.

11.42% - Investment return 14.96% - Median peer return 16.07% - Benchmark return Earned $1,142.00 per $1000 invested Outperformed 6% of its 124 peers

6.87% - Investment return 9.93% - Median peer return 4.66% - Benchmark return Earned $687.00 per $1000 invested Outperformed 34% of its 7 peers

7.59% - Investment return 8.14% - Median peer return 6.89% - Benchmark return Earned $759.00 per $1000 invested Outperformed 31% of its 14 peers

5.97% - Investment return 5.10% - Median peer return 5.66% - Benchmark return Earned $597.00 per $1000 invested Outperformed 85% of its 477 peers

Plan Options: Performance and Expenses (Cont.)

This document includes important information to help you compare the investment options under your retirement plan. If you want additional information about your investment options, you can go to the specific Internet Web site address shown in the Investment Company Contact Information section or you can contact [insert name of plan administrator or designee] at [insert telephone number and address]. A free paper copy of the information available on the Web site[s] can be obtained by contacting [insert name of plan administrator or designee] at [insert telephone number].

Your Investment

Total Annual

Total Annualized Returns as of 6/30/2011

Options

Investment Expenses

1 Year

5 Year

10 Year

Intermediate Fixed Income (Cont.)

Federated Strategic Income F Investment Type: Mutual Fund Peer Group: Multisector Bond Ticker: STFSX Your Share Class Inception: 06/01/1994 Oldest Share Class Inception: 06/01/1994 Performance Benchmark BarCap US Universal TR USD

International Fixed Income BlackRock Intl Bond Inv C Investment Type: Mutual Fund Peer Group: World Bond Ticker: BIBCX Your Share Class Inception: 09/11/1996 Oldest Share Class Inception: 07/01/1991 Performance Benchmark Citi WGBI NonUSD USD

1.27% - Investment expenses

2.01% - Investment return

6.88% - Investment return

1.10% - Median peer expenses

0.97% - Median peer return

5.43% - Median peer return

Charged $12.70 annually per $1000 invested

4.77% - Benchmark return

6.40% - Benchmark return

Costs less than 37% of its 313 peers

Shareholder-type Expenses (If applicable) 1.00% sales charge subtracted from amounts invested. Non-contractual expense waiver of 0.13%. Expires on 2012-1-31. Gross expense ratio is 1.40%.

e 1.98% - Investment expenses p 1.03% - Median peer expenses

Charged $19.80 annually per $1000 invested Costs less than 4% of its 309 peers

ty Shareholder-type Expenses (If applicable)

1.00% sales charge subtracted from amounts

Proto invested.

Earned $20.10 per $1000 invested Outperformed 71% of its 251 peers

Earned $344.00 per $1000 invested Outperformed 89% of its 136 peers

Investment return since inception is 7.22% for your share class

1.12% - Investment return 1.56% - Median peer return 4.14% - Benchmark return Earned $11.20 per $1000 invested Outperformed 41% of its 262 peers

4.76% - Investment return 6.10% - Median peer return 7.77% - Benchmark return Earned $238.00 per $1000 invested Outperformed 15% of its 149 peers

Investment return since inception is 5.58% for your share class

8.42% - Investment return 6.99% - Median peer return 5.88% - Benchmark return Earned $842.00 per $1000 invested Outperformed 83% of its 86 peers

4.52% - Investment return 6.50% - Median peer return 7.97% - Benchmark return Earned $452.00 per $1000 invested Outperformed 12% of its 99 peers

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