OR RETIREMENT ACCOUNTS (A) KE1056 er 2 Passive Core Mutual Funds, Strategies and Objectives Ticker Strategy Who May Want to Invest VIEIX The fund employs an indexing investment approach designed to track Someone who is seeking the potential for long-term the performance of the S&P Completion Index, a broadly diversified share-price appreciation and dividend income, who is index of stocks of small and mid-size US companies. It invests by seeking both growth- and value-style investments, and sampling the index, meaning that it holds a collection of securities who is willing to accept the generally greater volatility of that, in the aggregate, approximates the full index in terms of key investments in smaller companies. characteristics. These characteristics include industry weightings and market capitalization, as well as certain financial measures such as price/earnings ratio and dividend yield. VINIX The fund employs an indexing investment approach designed to Someone who is seeking the potential for long-term track the performance of the Standard & Poor's 500 Index, a widely share-price appreciation and dividend income, who is recognized benchmark of US stock market performance that is seeking both growth- and value-style investments, and dominated by the stocks of large US companies. The advisor attempts who is willing to accept the volatility associated with to replicate the target index by investing all, or substantially all, of investing in the stock market its assets in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index. VBTIX The fund employs an indexing investment approach designed to Someone who is seeking potential returns primarily in track the performance of the Barclays US Aggregate Float Adjusted the form of interest dividends rather than through an Index. This index represents a wide spectrum of public, investment- increase in share price, and who is seeking to diversify grade, taxable, fixed-income securities in the United States, including an equity portfolio with a more conservative investment government, corporate, and international dollar-denominated bonds, option . as well as mortgage-backed and asset-backed securities, all with maturities of more than one year. All of the fund's investments will be selected through the sampling process, and at least 80% of the fund's assets will be invested in bonds held in the index. VTSNX The fund employs an indexing investment approach designed to track Someone who is seeking to complement a portfolio of the performance of the FTSE Global All Cap ex US Index, a float domestic investments with international investments adjusted market-capitalization-weighted index designed to measure (which can behave differently), and who is willing equity market performance of companies located in developed and to accept the higher degree of risk associated with emerging markets, excluding the United States. The index includes investing overseas. approximately 5,715 stocks of companies located in 45 countries. 03(b) Retirement Plans Investment Options Guide, 2016. OF MANAGEMENT