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Disclosures

Past performance may not be indicative of future results.

Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. The prospectus contains this and other

information about the investment company. You can obtain a prospectus from your financial representative. Read carefully before investing.

Securities and Investment Advisory Services offered through: CBIZ Financial Solutions, Inc., Member FINRA, SIPC and Registered Investment Advisor.

Indexes are not managed and cannot be invested in directly.

Index funds seek to track a specific market index and will vary from their category average benchmark. Index funds are passively managed may receive a "Passing" grade in our

monitoring report despite criteria violations versus the category average.

CBIZ Retirement Plan Services makes watch-list determinations based on the lowest cost share class available.

Investment commentary may be based on a different share-class than the investment option in your plan.