Russell Investments Retirement Plan

Adaptive Retirement Accounts ("ARA") do not assure a profit or protect against loss in declining markets. There is no guarantee that ARA will result in a better outcome than traditional Target Date fund investing. Adaptive Retirement Accounts is a product of Russell Investment Management Company (RIMCo). The advice provided by RIMCo in Adaptive Retirement Planner is based on asset-class level assumptions only. Please remember that all investments carry some level of risk, including the potential loss of principal invested. They do not typically grow at an even rate of return and may experience negative growth. As with any type of portfolio structuring, attempting to reduce risk and increase return could, at certain times, unintentionally reduce returns. An Adaptive Retirement Account will review the asset allocation on a quarterly basis and automatically shift the participants portfolio based on current age, gender, account balance, savings rate and salary. Based on the Adaptive Retirement Account methodology, asset allocation may become more conservative by increasing its exposure to bonds or more aggressive by increasing its exposure to asset classes that have historically had higher risks (e.g. stocks). Diversification does not assure a profit and does not protect against loss in declining markets. The projections produced by Adaptive Retirement Planner are estimated by using Russell Investments’ capital markets assumptions and are subject to change based on market conditions. There is no guarantee that the stated projections will be achieved. Investments that are allocated across multiple types of securities may be exposed to a variety of risks based on the asset classes, investment styles, market sectors and size of companies preferred by the advisors. Investors should consider how the combined risks impact their total investment portfolio and understand that different risks can lead to varying financial consequences, including loss of principal. Copyright © Russell Investments 2012-2016. All rights reserved. This material is proprietary and may not be reproduced, transferred, or distributed in any form without prior written permission from Russell Investments. It is delivered on an "as is" basis without warranty. Russell Investment Group is a Washington, USA corporation, which operates through subsidiaries worldwide, including Russell Investments, and is part of the London Stock Exchange Group. The Russell logo is a trademark and service mark of Russell Investments. First used October 2012, revised September 2016 USI-23636-04-17

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