Northern Trust Asset Management is composed of Northern Trust Investments, Inc., Northern Trust Global Investments Limited, Northern Trust Fund Managers (Ireland) Limited, Northern Trust Global Investments Japan, K.K., NT Global Advisors, Inc., 50 South Capital Advisors, LLC, Northern Trust Asset Management Australia Pty Ltd, and investment personnel of The Northern Trust Company of Hong Kong Limited and The Northern Trust Company.

Information on collective investment funds managed by NTI is provided strictly for illustrative purposes and should not be deemed an offer to sell or a solicitation of an offer to buy shares of any collective investment funds described herein.

There are risks involved with investing, including possible loss of principal. Principal invested is not guaranteed at any time. In addition to the normal risks associated with equity investing, investments in smaller companies typically exhibit higher volatility. International investments may involve risk of capital loss from unfavorable fluctuation in currency values, from differences in generally accepted accounting principles or from economic or political instability in other nations. Risk controls and asset allocation models do not promise any level of performance or guarantee against loss of principal.

The views expressed in this microsite are those of NTI through the period as of the date appearing on this material and are subject to change based on market and other conditions. All material has been obtained from sources believed to be reliable, but its accuracy is not guaranteed. There is no representation or warranty as to the current accuracy, reliability of, completeness of, nor liability for, decisions based on such information.

This microsite was designed to provide investment education and not investment advice in accordance with ERISA guidelines regarding investment education and advice. Plan Sponsors are responsible for the selection of an NTI investment fund for inclusion as an investment election and any such selection is not based on investment advice provided by NTI. Plan participants are responsible for making the election to include an NTI investment fund in their individual retirement account and any such selection is not based on investment advice by NTI.

Distributing the information contained in this microsite will not discharge disclosure responsibilities under ERISA. Summary plan descriptions, summaries of material changes to your plan and summary annual reports still must be prepared and distributed, as must additional disclosures if your plan is intended to meet the fiduciary safe harbor under Section 404(c) of ERISA.