170374_HHHunt_FeeDisclosure

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The HHHunt Savings and Retirement Plan

Participant Fee Disclosure August, 2018

Plan-Related Information Administrative Expenses Plan-Level Expenses/Credits

to review the glossary available at myretirement.americanfunds.com . General Plan Information Your Investment Options e a target date fund using one of the ds Target Date Funds, or you can build folio by choosing from among the other tions in the plan. structions cipating in your employer’s retirement t first meet the plan’s eligibility and enroll. Once enrolled, you can ment instructions (i.e., make investment change future contribution elections) in wing ways: all (800) 204-3731. net: Go to nt.americanfu ds.c m. rading activity is monitored to ensure idelines, whic are described in the are observed. e or reallocat $5,000 or more from one n Funds (except a money market a target date investment), you must wait e you can exchange back into th t same on-American Funds may have their own tions. Pleas se the prosp ctus s oyer offers the The HHHunt d Retirement Plan to help you r retirement. t is designed to help you understand rovisions, investment information and ciated with your plan. If you come across ’t familiar to you, please take a moment lossary available at .americanfunds.com . an Informatio nt Options

Administrative Expenses Plan-Level Expenses/Credits The day-to-day operation of a retirement plan involves expenses for ongoing administrative services — such as plan recordkeeping, compliance and plan document services, investment services and trustee/custodial services — that are necessary for administering the plan as a whole. A retirement plan also offers a host of other services, such as a t leph ne v ic resp nse system, access to custom r service represent tives, retirem nt planning tools, electronic access to plan information, account statements and online transactions. A portion of these services are paid from the plan’s investments. This is reflected in each investment’s expense ratio and reduces the investment returns. If an additional amount is required to cover your plan’s administrative expenses, your employer expects that it will be assessed to participant accounts as a percen age of the accou t balance. This fee will be deducted from your account quart rly and w ll appear on your quarterly statement. Your employ r expects that the total amount of plan-level expenses will not exceed 0.75% of your account balance per year. Th plan may also incur unexpected expenses that ma be deducted from participant accounts. If your pla ’s investm nts generate more revenue than is necessary to cover the costs of administrative services for your plan, the excess amount will be used to pay other plan expenses or allocated to participants and will appear on your quarterly statement. Individual Expen s In addition to overall plan admi istrativ expenses, there are individual service fees associated with optional features offered under your plan. Individual se vice fees will be charged separately if you choose to take advantage of a particular plan featur . These fees are described below. Loan Fees A loan initiation f of $85.00 will deducted from your loan amount. Therefore, if you’d like to receive $1,000, you’ll need to request a loan for $1,085.00. You’ll have the opportunity to repay this fee because it’s included in the amortization schedule. This fee is charged for setting up th loan and providing the amortization schedule. An o going main enanc fee of $50.00 per year will be deducted from your account via quarterl payments for maintaining the loan on the recordkeeping system and for monitoring the loan payments received.

Your employer offers the The HHHunt Savings and Retirement Plan to help you prepare for retirement. This document is designed to help you understand certain plan provisions, investment information and the costs associated with your plan. If you come across a term that isn’t familiar to you, please take a moment

The day-to-day operation of a retirement plan involves expenses for ongoing administrative services — such as plan recordkeeping, compliance and plan document services, investment services and trustee/custodial services — that are necessary for administering the plan as a whole. A retirement plan also offers a host of other services, such as a telephone voice response system, access to customer service representatives, retirement planning tools, electronic access to plan information, account statements and online transactions. A portion of these services are paid from the plan’s investments. This is reflected in each investment’s expense ratio and reduces the investment returns. If an additional amount is required to cover your plan’s administrative expenses, your employer expects that it will be assessed to participant accounts as a percentage of the account balance. This fee will be deducted from your account quarterly and will appear on your quarterly statement. Your employer expects that the total amount of plan-level expenses will not exceed 0.75% of your account balance per year. The plan may also incur unexpected expenses that may be deducted from participant accounts. If your plan’s investments generate more revenue than is necessary to cover the costs of administrative services for your plan, the excess amount will be used to pay other plan expenses or allocated to participants and will appear on your quarterly statement. Individual Expenses In addition to overall plan administrative expenses, there are individual service fees associated with optional features offered under your plan. Individual service fees will be charged separately if you choose to take advantage of a particular plan feature. These fees are described below. Loan Fees A loan initiation fee of $85.00 will be deducted from your loan amount. Therefore, if you’d like to receive $1,000, you’ll need to request a loan for $1,085.00. You’ll have the opportunity to repay this fee because it’s included in the amortization schedule. This fee is charged for setting up the loan and providing the amortization schedule. An ongoing maintenance fee of $50.00 per year will be deducted from your account via quarterly payments for maintaining the loan on the recordkeeping system and for monitoring the loan payments received.

You can choose a target date fund using one of the American Funds Target Date Funds, or you can build your own portfolio by choosing from among the other investment options in the plan. Investment Instructions To begin participating in your employer’s retirement plan, you must first meet the plan’s eligibility requirements and enroll. Once enrolled, you can provide investment instructions (i.e., make investment exchanges or change future contribution elections) in any of the following ways: l By Phone: Call (800) 204-3731. l On the internet: Go to myretirement.americanfunds.com. Please note: Trading activity is monitored to ensure that trading guidelines, which are described in the prospectuses, are observed. If you exchange or reallocate $5,000 or more from one of the American Funds (except a money market investment or a target date investment), you must wait 30 days before you can exchange back into that same investment. Non-American Funds may have their own trading restrictions. Please see the prospectuses for details. Voting and Other Rights The trustee or another plan fiduciary may vote or exercise any other rights associated with ownership of

her Rights another plan fiduciary may vote or ther rights associated with ownership of

ts held in your account. vestment Alternatives

the investments held in your account. Designated Investment Alternatives nt-Related Information” table(s) identify formation about the plan’s i vestment

The “Investment-Related Information” table(s) identify and provide information about the plan’s investment options.

Visit your plan's website at myretirement.americanfunds.com |1

Visit your plan's website at myretirement.americanfunds.com |

Plan-Related Information Plan-Related Information

Distribution Fees es will be charged to your account for periodic disbursements rather than taking a distribution. Periodic distributions include an up fee of $50 and an annual maintenance fee. hly or quarterly disbursements, the nce fee is $25 annually. For semi-annual or isbursements, the maintenance fee is ally. Distribution/Transaction F es e charged a fee for a one-time distribution or ther requested account transactions. The f the fee may vary based on the type of on or transaction, if applicable. distribution fee: $50.00 investments from your retirement plan into an Funds IRA, with Capital Bank and Trust as , will automatically be invested in Class A no sales charge regardless of the share class in your retirement plan. Any future ions to the IRA will be assessed the ate sales charge based on the applicable ints. See the sp cific f nd’s prospectus for l information.

Periodic Distribution Fees Certain fees will be charged to your account for selecting periodic disbursements rather than taking a one-time distribution. Periodic distributions include an initial setup fee of $50 and an annual maintenance fee. For monthly or quarterly disbursements, the maintenance fee is $25 annually. For semi-annual or annual disbursements, the maintenance fee is $10 annually. One-time Distribution/Transaction Fees You will be charged a fee for a one-time distribution or certain other requested account transactions. The amount of the fee may vary based on the type of distribution or transaction, if applicable. One-time distribution fee: $50.00 Rollover investments from your retirement plan into an American Funds IRA, with Capital Bank and Trust as custodian, will automatically be invested in Class A shares at no sales charge regardless of the share class Periodic Distribution Fees Certain fees will be charged to your account for selecting periodic disbursements rather than taking a one-time distribution. Periodic distributions include an initial setup fee of $50 and an annual maintenance fee. For monthly or quarterly disbursements, the maintenance fee is $25 annually. For semi-annual or annual disbursements, the maintenance fee is $10 annually. One-time Distribution/Transaction Fees You will be charged a fee for a one-time distribution or certain other requested account transactions. The amount of the fee may vary based on the type of distribution or transaction, i applicable. One-time distribution fee: $50.00 Rollover investments from your retirement plan into an American Funds IRA, with Capital Bank and Trust as custodian, will automatically be invested in Class A shares at no sales charge regardless of the share class available in your retirement plan. Any future contributions to the IRA will be assessed the appropriate sales charge based on the applicable break points. See the specific fund’s prospectus for additional inf rm tion. available in your retirement plan. Any future contributions to the IRA will be assessed the appropriate sales charge based on the applicable break points. See the specific fund’s prospectus for additional information. Have Questions?

estions?

Contact

gden 2-3515 @hhhunt.com

Have Questions? Your Plan Contact Sharyn Ogden (540) 552-3515 saogden@hhhunt.com

Your Plan Contact Sharyn Ogden (540) 552-3515 saogden@hhhunt.com

Visit your plan's website at myretirement.americanfunds.com |2

Investment-Related Disclosure n st e - e ed Information The investment options in your plan

ssess an investment’s results is to compare its hose of a comparable benchmark or index. arks and their returns are shown in the table. nvestment’s annual and semi-annual reports ers for more information. arefully consider fees and expenses when tment decisions. The cumulative effect of fees s can substantially reduce the growth of your count over time. For an example of the long- f fees and expenses, visit the Employee rity Admini tration (EBSA) website at v/ebsa/publication /401k_ mployee.html. s and expenses are only one of many factors hen you evaluate your plan investment ere are t o types of fees and expenses ith saving and investing through a retirement rdkeeping and administrative fees and (2) xpenses. The expenses related to each your plan are known as the expense ratios. s tend to vary with t e investment category; a money market investment will generally expense ratio than a global equity hich has higher costs. pense ratio reflects the investment’s total ting expenses. It does not include any fee pense reimbursements. The net expense any applicable fe waiv rs or exp n e nts. This is the actu l expense ratio that y u are not FDIC-insured, nor are they deposits teed by a bank or any other entity, so they ue. n are past results and are not predictive of . Current and future results may be lower or hose shown here. Share rices and returns ou may lose money. Investing for short es losses more likely. , SAIs and annual report , if applicable, are of charge by calling (800) 204-3731 or on e ratios are as of each invest ent’s vailable t th time of publication.

To understand the risks associated with the investments you’re considering, read the numbered notes on the “Investment-Related Disclosure” page(s). There you’ll also find share class and other important disclosure information.

One way to assess an investment’s results is to compare its results with those of a comparable benchmark or index. The benchmarks and their returns are shown in the table. Check your investment’s annual and semi-annual reports to shareholders for more information. You should carefully consider fees and expenses when making investment decisions. The cumulative effect of fees and expenses can substantially reduce the growth of your retirement account over time. For an example of the long- term effect of fees and expenses, visit the Employee Benefits Security Administration (EBSA) website at www.dol.gov/ebsa/publications/401k_employee.html. However, fees and expenses are only one of many factors to consider when you evaluate your plan investment options. Generally, there are two types of fees and expenses associated with saving and investing through a retirement plan: (1) recordkeeping and administrative fees and (2) investment expenses. The expenses related to each investment in your plan are known as the expense ratios. Expense ratios tend to vary with the investment category; for example, a money market investment will generally have a lower expense ratio than a global equity investment, which has higher costs. The gross expense ratio reflects the investment’s total annual operating expenses. It does not include any fee waivers or expense reimbursements. The net expense ratio reflects any applicable fee waivers or expense reimbursements. This is the actual expense ratio that you Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value. Figures shown are past results and are not predictive of future results. Current and future results may be lower or higher than those shown here. Share prices and returns will vary, so you may lose money. Investing for short periods makes losses more likely. Prospectuses, SAIs and annual reports, if applicable, are available free of charge by calling (800) 204-3731 or on the web at myretirement.americanfunds.com. Portfolio turnover information is included in your investments’ summary prospectuses. For additional details, go to myretirement.americanfunds.com and select “Your Plan’s Investments.” When prompted, enter your plan number, 341292-01. If you have an established log-in, you can also access investment information by logging in and selecting “Investment Lineup.” paid. Expense ratios are as of each investment’s prospectus available at the time of publication.

yretirement.americanfunds.com. over information is included in your summary pr spectuses. l details, go to

t.americanfun s.com and select “Your Plan’s ” When prompted, enter your plan nu ber, f you have an established log-in, you can also ment information by logging in and selecting Lineup.”

Visit your plan's website at myretir ment.a ericanfu ds.com |3

Visit your plan's website at myretirement.americanfunds.com |3

Investment-Related Disclosure Information The investment options in your plan

ent Options for Class R-5 as of 06/30/18

t Name k t Manager

Asset Class

Inception Date

Average Annual Total Returns (%)

Expense Ratios (%)

Gross Expenses per $1,000

Lifetime 10 Years

5 Years

1 Year

Gross

Net

Investment Options for Class R-5 as of 06/30/18

Investment unds AMCAP

Investment Name Benchmark Investment Manager

Asset Class

Inception Date

Average Annual Total Returns (%)

Expense Ratios (%)

Gross Expenses per $1,000

Growth

05/01/67 11.89

11.87

14.69

21.63

1 Year 0.41

Gross 0.41

Net $4.10

Lifetime 10 Years

5 Years

Poor's 500 Composite Index

10.05

10.17

13.42

14.37

Growth Investments American Funds AMCAP unds. Shareholder Type Fees - None. footnote(s): 1,2,3,4,5,6,7,8 unds EuroPacific Growth

Growth

05/01/67 11.89

11.87

14.69

21.63 14.37 0.53

0.41

$4.10

04/16/84 11.07

4.80

8.29

9.30

0.53

$5.30

Standard & Poor's 500 Composite Index

10.05

10.17

13.42

American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,4,5,6,7,8 American Funds EuroPacific Growth Growth

untry World Index (ACWI) ex USA

8.76

2.54

5.99

7.28

unds. Shareholder Type Fees - None. footnote(s): 1,2,3,4,5,6,7,8,9,10 unds New World Fund Growth

04/16/84 11.07

4.80

8.29

9.30

0.53

$5.30

MSCI All Country World Index (ACWI) ex USA

8.76

2.54

5.99

7.28 0.68

06/17/99 8.33

3.88

6.66

10.40

0.68

$6.80

American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,4,5,6,7,8,9,10 American Funds New World Fund Growth

untry World Index (ACWI)

4.79

5.80

9.41

10.73

unds. Shareholder Type Fees - None. footnote(s): 1,2,3,4,5,6,7,8,10,11,12,13,14 unds SMALLCAP Growth

06/17/99 8.33

3.88

6.66

10.40

0.68

$6.80

MSCI All Country World Index (ACWI)

4.79

5.80

9.41

10.73 0.74

04/30/90 10.21

8.72

11.76

15.90

0.74

$7.40

American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,4,5,6,7,8,10,11,12,13,14 American Funds SMALLCAP World Fund Growth

untry World Small Cap Index

8.42

8.56

10.80

13.83

04/30/90 10.21

8.72

11.76

15.90

0.74

$7.40

unds. Shareholder Type Fees - None. footnote(s): 1,2,3,4,5,6,7,8,10,12,15 id Cap Growth Inst Growth

MSCI All Country World Small Cap Index

8.42

8.56

10.80

13.83

11/20/85 11.99

8.63

12.48

18.00

0.93

$9.30

American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,4,5,6,7,8,10,12,15 Columbia Mid Cap Growth Inst Growth

Poor's 500 Composite Index

11.03

10.17

13.42

14.37

11/20/85 11.99

8.63

12.48

18.00

0.93

$9.30

hareholder Type Fees - None. footnote(s): 1,2,3,5,6,7,8,16,17,18,19,20,21,22,23 erson Triton I Growth

Standard & Poor's 500 Composite Index

11.03

10.17

13.42

14.37

Columbia. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,5,6,7,8,16,17,18,19,20,21,22,23 Janus Henderson Triton I Growth

02/25/05 18.70

14.48

15.85

22.78

0.77

$7.70

Poor's 500 Composite Index

8.49

10.17

13.42

14.37

02/25/05 18.70

14.48

15.85

22.78

0.77

$7.70

erson. Shareholder Type Fees - None. footnote(s): 2,3,4,5,6,7,8,12,16,18,24,25,26 id Cap Index Admiral Growth

Standard & Poor's 500 Composite Index

8.49

10.17

13.42

14.37

Janus Henderson. Shareholder Type Fees - None. Investment footnote(s): 2,3,4,5,6,7,8,12,16,18,24,25,26 Vanguard Mid Cap Index Admiral Growth

05/21/98 10.10

10.09

12.30

12.09

0.05

$0.50

Poor's 500 Composite Index

6.53

10.17

13.42

14.37

05/21/98 10.10

10.09

12.30

12.09

0.05

$0.50

hareholder Type Fees - None. footnote(s): 2,5,6,18,24,27,28,29,30 mall Cap Ind x Adm Growth

Standard & Poor's 500 Composite Index

6.53

10.17

13.42

14.37

Vanguard. Shareholder Type Fees - None. Investment footnote(s): 2,5,6,18,24,27,28,29,30 Vanguard Small Cap Index Adm Growth

10/03/60 9.50

11.27

12.40

16.48

0.05

$0.50

10/03/60 9.50 10.17

11.27

12.40

16.48

0.05

$0.50

Poor's 500 Composite Index

N/A

13.42

14.37

Standard & Poor's 500 Composite Index

N/A

10.17

13.42

14.37

hareholder Type Fees - None. footnote(s): 2,5,6,18,24,27,28,29,30,31 otal Intl Stock ral

Vanguard. Shareholder Type Fees - None. Investment footnote(s): 2,5,6,18,24,27,28,29,30,31 Vanguard Total Intl Stock Index Admiral Growth

04/29/96 5.22

2.72

6.42

7.10

0.11

$1.10

Growth

04/29/96 5.22

2.72

6.42

7.10

0.11

$1.10

untry World Index (ACWI) ex USA

N/A

2.54

5.99

7.28

MSCI All Country World Index (ACWI) ex USA

N/A

2.54

5.99

7.28

hareholder Type Fees - None. footnote(s): 2,5,6,10,18,24,27,29,30,31,32

Vanguard. Shareholder Type Fees - None. Investment footnote(s): 2,5,6,10,18,24,27,29,30,31,32

Visit your plan's website at myretirement.americanfunds.com |4

Investment-Related Disclosure Information The investment options in your plan

ent Options for Class R-5 as of 06/30/18

Name

Asset Class

Inception Date

Average Annual Total Returns (%)

Expense Ratios (%)

Gross Expenses per $1,000

Manager

Lifetime 10 Years

5 Years

1 Year

Gross

Net

Investment Options for Class R-5 as of 06/30/18

Investment more Established

Investment Name Benchmark Investment Manager

Asset Class

Inception Date

Average Annual Total Returns (%)

Expense Ratios (%)

Gross Expenses per $1,000

Growth

08/16/83 13.75

11.20

13.91

11.50

1 Year 0.62

Gross 0.62

Net $6.20

Lifetime 10 Years

5 Years

Growth Investments Victory Sycamore Established Value I eholder Type Fees - None. ootnote(s): 2,3,4,5,6,13,16,18,24,27 and-Income Investments nds Cap World come Growth-and- income nds. Shareholder Type Fees - None. ootnote(s): 1,2,3,4,5,6,7,8,10,24 nds Fundamental Growth-and- income nds. Shareholder Type Fees - None. ootnote(s): 1,2,3,4,5,6,7,8,24 nds Washington d Growth-and- income nds. Shareholder Type Fees - None. ootnote(s): 1,2,4,5,6,7,8,24 all Cap Value Adv Growth-and- income Poor's 500 Composite Index untry World Index (ACWI) Poor's 500 Composite Index Poor's 500 Composite Index

11.09

10.17

13.42

14.37

Growth

08/16/83 13.75

11.20

13.91

11.50

0.62

$6.20

Standard & Poor's 500 Composite Index

11.09

10.17

13.42

14.37

Victory. Shareholder Type Fees - None. Investment footnote(s): 2,3,4,5,6,13,16,18,24,27 Growth-and-Income Investments American Funds Cap World Growth & Income Growth-and- income American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,4,5,6,7,8,10,24 American Funds Fundamental Investors Growth-and- income American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,4,5,6,7,8,24 American Funds Washington Mut Inv Fund Growth-and- income American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,4,5,6,7,8,24 Franklin Small Cap Value Adv Growth-and- income MSCI All Country World Index (ACWI) Standard & Poor's 500 Composite Index Standard & Poor's 500 Composite Index

03/26/93 10.89

6.48

9.86

11.12

0.49

$4.90

7.44

5.80

9.41

10.73

03/26/93 10.89

6.48

9.86

11.12

0.49

$4.90

7.44

5.80

9.41

10.73

08/01/78 12.79

9.38

13.55

14.71

0.35

$3.50

11.68

10.17

13.42

14.37

08/01/78 12.79

9.38

13.55

14.71

0.35

$3.50

11.68

10.17

13.42

14.37

07/31/52 12.12

9.88

12.25

14.00

0.34

$3.40

10.81

10.17

13.42

14.37

07/31/52 12.12

9.88

12.25

14.00

0.34

$3.40

10.81

10.17

13.42

14.37

03/11/96 9.02

9.45

10.46

13.41

0.82

0.80

$8.20

Poor's 500 Composite Index

8.73

03/11/96 9.02 10.17

13.42

14.37

9.45

10.46

13.41

0.82

0.80

$8.20

Standard & Poor's 500 Composite Index pleton Investments. Shareholder Type Fees - None. ootnote(s): 2,3,5,6,8,12,18,33,34 00 Index Admiral Growth-and- income

8.73

10.17

13.42

14.37

Franklin Templeton Investments. Shareholder Type Fees - None. Investment footnote(s): 2,3,5,6,8,12,18,33,34 Vanguard 500 Index Admiral Growth-and- income 08/31/76 6.10 11.31

10.16

13.38

14.34

0.04

$0.40

08/31/76 6.10

10.16

13.38

14.34

0.04

$0.40

Poor's 500 Composite Index

10.17

13.42

14.37

hareholder Type Fees - None. ootnote(s): 2,5,6,18,24,27 d Investments nds American

Standard & Poor's 500 Composite Index

11.31

10.17

13.42

14.37

Vanguard. Shareholder Type Fees - None. Investment footnote(s): 2,5,6,18,24,27 Balanced Investments American Funds American Balanced Balanced

07/26/75 10.94

8.71

9.61

9.47

0.33

0.33 0.33

$3.30

Balanced

07/26/75 10.94

8.71

9.61

9.47

0.33

$3.30

Poor's 500 Composite Index

11.49

10.17

13.42

14.37

Standard & Poor's 500 Composite Index

11.49

10.17

13.42

14.37

nds. Shareholder Type Fees - None. ootnote(s): 1,2,3,5,6,7,8,13,14,24,35,36

American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,5,6,7,8,13,14,24,35,36

Visit your plan's website at myretirement.americanfunds.com |5

Investment-Related Disclosure Information The investment options in your plan

ent Options for Class R-5 as of 06/30/18

Name

Asset Class

Inception Date

Average Annual Total Returns (%)

Expense Ratios (%)

Gross Expenses per $1,000

Manager

Lifetime 10 Years

5 Years

1 Year

Gross

Net

Investment Options for Class R-5 as of 06/30/18

estments nds Bond rica

Investment Name Benchmark Investment Manager

Asset Class

Inception Date

Average Annual Total Returns (%)

Expense Ratios (%)

Gross Expenses per $1,000

Bond

05/28/74 7.71

3.25

2.44

-0.62

0.31

Gross 0.31

Net $3.10

Lifetime 10 Years

5 Years

1 Year

Bond Investments American Funds Bond Fund of America nds. Shareholder Type Fees - None. ootnote(s): 1,2,3,5,6,8,13,14,35,36,37,38,39,40 nds US Government Bond arclays U.S. Aggregate Index

7.41

3.72

2.27

-0.40

Bond

05/28/74 7.71

3.25

2.44

-0.62

0.31

$3.10

10/17/85 5.75

3.09

1.63

-1.11

0.32

$3.20

Bloomberg Barclays U.S.Aggregate Index

7.41

3.72

2.27

-0.40

American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,5,6,8,13,14,35,36,37,38,39,40 American Funds US Government Securities Bond Bloomberg Barclays U.S. Government/Mortgage-Backed Securities Index American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,5,6,8,14,35,36,37,39,40 Cash-Equivalent Investments INVESCO Stable Value Trust Cash- equivalent 6.28 04/01/88 4.39 N/A

arclays U.S. Government/Mortgage-Backed dex

3.20

1.80

-0.30

10/17/85 5.75

3.09

1.63

-1.11

0.32

$3.20

nds. Shareholder Type Fees - None. ootnote(s): 1,2,5,6,8,14,35,36,37,39,40 uivalent Investments able Value Trust Cash- equivalent

6.28

3.20

1.80

-0.30

1.82

1.37

0.94

0.78

$7.80

arclays U.S. Aggregate Index

3.72

2.27

-0.40

04/01/88 4.39

1.82

1.37

0.94

0.78

$7.80

Bloomberg Barclays U.S.Aggregate Index reholder Type Fees - None. ootnote(s): 1,2,4,5,6,8,13,14,18,23,25,26,27,31,35,36,37,39,40,41,42,43,44,45,46,47,48,49,50,51,52,53,54,55,56,57,58,59,60,61,62,63,64,65,66,67,68,69 ate Investments nds 2010 Target date 02/01/07 4.80 5.51 6.13 4.39 N/A 3.72

2.27

-0.40

Invesco. Shareholder Type Fees - None. Investment footnote(s): 1,2,4,5,6,8,13,14,18,23,25,26,27,31,35,36,37,39,40,41,42,43,44,45,46,47,48,49,50,51,52,53,54,55,56,57,58,59,60,61,62,63,64,65,66,67,68,69 Target Date Investments

0.38

$3.80

ate Through 2010 Index

4.88

5.69

5.90

5.22

American Funds Target Date 2010

Target date

02/01/07 4.80

5.51

6.13

4.39

0.38

$3.80

S&P Target Date Through 2010 Index nds. Shareholder Type Fees - None. ootnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,70 nds 2015 Target date nds. Shareholder Type Fees - None. ootnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,70 nds 2020 Target date nds. Shareholder Type F es - None. ootnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,70 nds 2025 Target date American Funds Target Date 2015 ate Through 2015 Index S&P Target Date Through 2015 Index American Funds Target Date 2020 ate Through 2020 Index S&P Target Date Through 2020 Index American Funds Target Date 2025 ate Through 2025 Index S&P Target Date Through 2025 Index nds. Shareholder Type Fees - None. ootnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,70

4.88

5.69

5.90

5.22

American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,70 02/01/07 5.09

5.82

6.72

4.96

0.38

$3.80

Target date

02/01/07 5.09 6.17

5.82

6.72

4.96

0.38

$3.80

5.16

6.81

6.22

5.16

6.17

6.81

6.22

American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,70 02/0 /07 5.41

6.28

7.55

6.21

0.40

$4.00

Target date

02/01/07 5.41

6.28

7.55

6.21

0.40

$4.00

5.30

6.48

7.58

6.99

5.30

6.48

7.58

6.99

American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,70 02/01/07 6.08

7.10

8.70

7.91

0.42

$4.20

Target date

02/01/07 6.08

7.10

8.70

7.91

0.42

$4.20

5.62

6.94

8.37

7.97

5.62

6.94

8.37

7.97

American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,70

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Investment-Related Disclosure Information The investment options in your plan

ent Options for Class R-5 as of 06/30/18

Name

Asset Class

Inception Date

Average Annual Total Returns (%)

Expense Ratios (%)

Gross Expenses per $1,000

Manager

Lifetime 10 Years

5 Years

1 Year

Gross

Net

Investment Options for Class R-5 as of 06/30/18

ate Investments nds 2030

Investment Name Benchmark Investment Manager

Asset Class

Inception Date

Average Annual Total Returns (%)

Expense Ratios (%)

Gross Expenses per $1,000

Tar t date

02/01/07 6.70

7.81

9.81

9.93

0.44

Gross 0.44

Net $4.40

Lifetime 10 Years

5 Years

1 Year

ate Through 2030 Index

5.89

7.29

8.99

9.02

Target Date Investments American Funds Target Date 2030 nds. Shareholder Type Fees - None. ootnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,70 nds 2035 Target date nds. Shareholder Type Fees - None. ootnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,70 nds 2040 Target date nds. Shareholder Type Fees - None. ootnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,70 nds 2045 Target date nds. Shareholder Type Fees - None. ootnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,70 nds 2050 Target date nds. Shareholder Type Fees - None. ootnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,71 nds 2055 Target date nds. Shareholder Type Fees - None. ootnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56 nds 2060 Target date American Funds Target Date 2035 American Funds Target Date 2040 American Funds Target Date 2045 American Funds Target Date 2050 ate Through 2050 Index American Funds Target Date 2055 ate Through 2055 Index ate Through 2035 Index ate Through 2040 Index ate Through 2045 Index

Target date

02/01/07 6.70

7.81

9.81

9.93

0.44

$4.40

02/01/07 7.01

8.14

10.58

11.91

0.45

$4.50

S&P Target Date Through 2030 Index

5.89

7.29

8.99

9.02

American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,70 6.03

7.50

9.51

9.96

Target date

02/01/07 7.01

8.14

10.58

11.91

0.45

$4.50

S&P Target Date Through 2035 Index

6.03

7.50

9.51

9.96

02/01/07 7.15

8.32

10.86

12.65

0.46

$4.60

American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,70

6.16

7.67

9.89

10.68

Target date

02/01/07 7.15

8.32

10.86

12.65

0.46

$4.60

S&P Target Date Through 2040 Index

6.16

7.67

9.89

10.68

02/01/07 7.22

8.39

11.03

12.97

0.46

$4.60

American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,70

6.14

7.66

10.08

10.93

Target date

02/01/07 7.22

8.39

11.03

12.97

0.46

$4.60

S&P Target Date Through 2045 Index

6.14

7.66

10.08

10.93

American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,70 02/01/07 7.25

8.42

11.10

13.26

0.46

$4.60

6.23

02/01/07 7.25 7.76

10.20

11. 2

Target date

8.42

11.10

13.26

0.46

$4.60

S&P Target Date Through 2050 Index

6.23

7.76

10.20

11.12

American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56,71 02/01/10 11.21

N/A

11.07

13.19

0.47

$4.70

Target date

02/01/10 11.21

N/A

11.07

13.19

0.47

$4.70

10.72

N/A

10.22

11.15

S&P Target Date Through 2055 Index

10.72

N/A

10.22

11.15

American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56 03/27/15 9.31

N/A

13.20

0.54

0.50

$5.40

American Funds Target Date 2060 ate Through 2060+ Index

Target date

03/27/15 9.31

N/A

13.20

0.54

0.50

$5.40

8.27

N/A

10.25

11.30

S&P Target Date Through 2060+ Index

8.27

N/A

10.25

11.30

nds. Shareholder Type Fees - None. ootnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56

American Funds. Shareholder Type Fees - None. Investment footnote(s): 1,2,3,4,5,6,8,10,11,12,13,14,24,27,35,36,37,40,56

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Investment-Related Disclosure

nt-Related Disclosure in any individual security is to the risk that the issuer of urity performs poorly, g in a decline in the ’s value. Issuer-related s may be caused by poor ement decisions, titive pressures, logical breakthroughs, on suppliers, labor s or shortages, corporate urings, fraudulent res, or other f ctors. nally, certain issuer may be nsitive to adverse issuer, l, regulatory, market, or ic developments. rket value of the portfolio’s es may fall rapidly or ictably because of g economic, political, or conditions, which may the value of the portfolio. ents in foreign securities es can change more rapidly remely than can the value securities. Foreign securities ject to increased issuer risk e foreign issuers may not nce the same degree of ion as U.S. issu rs do and to different reporting, ting, and auditing ds. In addition, forei n es are subject to increase ecause there are generally commission rates on tions, transfer taxes, higher al costs, and the potential ign tax charges on dividend erest payments. Many markets are relatively small, urities issued in less- ed countries face the risks nalization, expropri tion or atory taxation, and adverse subject to increased y as the value of these

changes in investment or exchange control regulations, including suspension of the ability to transfer currency from a country. Economic, political, social, or diplomatic developments can also negatively impact performance. 4 The investment is i tended to be hel for a substantial period of time, and investors should tolerat fluctuations in their investment’s value. 5 Because the investment’s market value may fluctuate up and down, an investor may lose money, including part of the principal, when he or she buys or sells the investment. 6 The investment is not a deposit or obligation of, or guaranteed or end rsed by, any bank and is not insured by the Federal Deposit Insurance Corporation, the Feder l Reserve Board, or any other U.S. governmental agency. 7 Growth securities may be subject to increased volatility as the value of these securities is highly sensitive to market fluctuations and future arnings expectations. These s curities typically trade at highe multiples of current e rnings than do other securities and may lose value if it appears their earnings expect ti ns may not be me . 8 The investment is actively man ged and subject to the risk that the advisor’s usage of investment techniques and risk analyses to make investment decisions fails to perform as expected, which may cause the portfolio to lose value or underperform investments with similar objectives and strategies or the market in general. 9 From April 16, 1984, th ough

December 31, 1987, the MSCI EAFE (Europe, Australasia, Far East) Index was used because the MSCI ACWI (All Country World Index) ex USA did not yet exist. Since January 1, 1988, the MSCI ACWI ex USA has been used. The MSCI EAFE Index reflects dividends net of withholding taxes. The MSCI ACWI ex USA reflects dividends gross of withholding taxes through December 31, 2000, and dividends net of withholding taxes thereafter. 10 I vestments in emerging- and frontier-markets securities may be subject to greater market, credit, currency, liquidity, legal, political, 11 Investments in below-investm nt- grade debt securities and unrated securities of similar credit quality, commonly known as "junk bonds" or "high-yield securities," m y b subject to in reased interest, credit, and liquidity risks. 12 Concentrating assets in small- c pitalization stocks may subject the portfolio to the risk that those stocks underperform other capitalizations or the market as a whole. Smaller, less-seasoned companies may be subject to increased liquidity risk compared with mid- and larg -cap companies and may experience greater price volatility than o those securities because of limited product lines, management experience, market share, or financial resources, among other factors. 13 Restricted and illiquid securities may fall in price because of an inability to sell the securities when desired. Investing in restricted securities may subj ct the portfolio to higher costs and liquidity risk. and other risks compared with assets invested in developed foreign countries.

Investment-Related Disclosure 1 A stake in any individual security is subject to the risk that the issuer of that security performs poorly, resulting in a decline in the security’s value. Issuer-related declines may be caused by poor technological breakthroughs, reliance on suppliers, labor problems or shortages, corporate restructurings, fraudulent disclosures, or other factors. Additionally, certain issuers may be more sensitive to adverse issuer, political, regulatory, market, or economic developments. 2 The market value of the portfolio’s management decisions, competitive pressures, securities can change more rapidly and extremely than can the value of U.S. securities. Foreign securities are subject to increased issuer risk because foreign issuers may not experience the same degree of regulation as U.S. issuers do and are held to different reporting, accounting, and auditing standards. In addition, foreign securities are subject to increased costs because there are generally higher commission rates on transactions, transfer taxes, higher custodial costs, and the potential for foreign tax charges on dividend and interest payments. Many foreign markets are relatively small, and securities issued in less- developed countries face the risks of nationalization, expropriation or confiscatory taxation, and adverse securities may fall rapidly or unpredictably because of changing economic, political, or market conditions, which may reduce the value of the portfolio. 3 Investments in foreign securities may be subject to increased volatility as the value of these

changes in investment or exchange control regulations, including suspension of the ability to transfer currency from a country. Economic, political, social, or diplomatic developments can also negatively impact performance. 4 The investment is intended to be held for a substantial period of time, and investors should tolerate fluctuations in their investment’s value. 5 Because the investment’s market value may fluctuate up and down, an investor may lose money, including part of the principal, when he or she buys or sells the investment. 6 The investment is not a deposit or obligation of, or guaranteed or endorsed by, any bank and is not insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other U.S. governmental agency. 7 Growth securities may be subject to increased volatility as the value of these securities is highly sensitive to market fluctuations and future earnings expectations. These securities typically trade at higher multiples of current earnings than do other securities and may lose value if it appears their earnings expectations may not be met. 8 The investment is actively managed and subject to the risk that the advisor’s usage of investment techniques and risk analyses to make investment decisions fails to perform as expected, which may cause the portfolio to lose value or underperform investments with similar objectives and strategies or the market in general. 9 From April 16, 1984, through

December 31, 1987, the MSCI EAFE (Europe, Australasia, Far East) Index was used because the MSCI ACWI (All Country World Index) ex USA did not yet exist. Since January 1, 1988, the MSCI ACWI ex USA has been used. The MSCI EAFE Index reflects dividends net of withholding taxes. The MSCI ACWI ex USA reflects dividends gross of withholding taxes through December 31, 2000, and dividends net of withholding taxes thereafter. 10 Investments in emerging- and frontier-markets securities may be subject to greater market, credit, currency, liquidity, legal, political, 11 Investments in below-investment- grade debt securities and unrated securities of similar credit quality, commonly known as "junk bonds" or "high-yield securities," may be subject to increased interest, credit, and liquidity risks. 12 Concentrating assets in small- capitalization stocks may subject the portfolio to the risk that those stocks underperform other capitalizations or the market as a whole. Smaller, less-seasoned companies may be subject to increased liquidity risk compared with mid- and large-cap companies and may experience greater price volatility than do those securities because of limited product lines, management experience, market share, or financial resources, among other factors. 13 Restricted and illiquid securities may fall in price because of an inability to sell the securities when desired. Investing in restricted securities may subject the portfolio to higher costs and liquidity risk. and other risks compared with assets invested in developed foreign countries.

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Investment-Related Disclosure

for more information. 19 Investments in depositary receipts generally reflect the risks of the securities they represent, although they may be subject to increased liquidity risk and higher expenses and may not pass through voting and other share older rights. Depositary rece pts cannot be directly exchange for the securities they represent and may trade at either a discount or premium to those securities. 20 Concentrating assets in a particular industry, sector of the economy, or markets may increase volatility because the investment will be more susceptible to the impact of market, economic, regulatory, and other factors affecting that industry or sector compared with a more broadly diversified asse allocatio . 21 Arbitrage strategies involve investment in multiple securities with the expectation that their prices will converge at an expected value. These strategies face the risk that the advisor’s price predictions will not perform as expected. Investing in event-driven or erg r arbitrage strategies may ot be su cessful if the me ger, res ructuring, tender o fer, or oth r major corporate event propose or pending at the time of investment is not completed on the terms contemplated. 22 Investments in preferred stocks may be subject to the risks of de erred distribution payments, nvoluntary redemptions, subordination to debt instruments, a lack of liquidity compared with common stocks, li ited v ting rights, and sensitivi y to int rest- rate changes. 23 Active trading may create high portfolio turnover, or a turnover of

e of fixed-income or debt s may be susceptible to movements in the bond nd are subject to interest- credit risk. the MSCI All Country mall Cap Index w s not in e when the fund’s Class A ere first sold, cumulative hrough May 31, 1994, e returns of th S&P ed <$1.2 Billion Index. eflect dividends net of ing taxes. rating assets in mid- ation stocks may subject folio to the risk that those nderperform other ations or the market as a id-cap companies may be o increased liquidity ri k d with large-cap ies and may experience rice volatility than do curities because of more- roduct lines or financial s, among other factors. nts in conv rtible s may be subject to d interest-rate risks, rising as interest rates declin ng in value when interest , in additio to their alue depending on the ance of the common stock suer. Convertible s, which are typically or rated lower than other ligations, are secondary to ligations in order of uring a liquidation in the e issuer defaults.

100% or more, resulting in increased transaction costs. These higher costs may have an adverse impact on performance and generate short-term capital gains, creating potential tax liability even if an investor does not sell any shares durin th y ar. 24 The value of equity securities, which include common, preferred, and convertible preferred stocks, will fluctuate based on changes in their issuers’ financial conditions, 25 Investing in initial public offerings may increase v latility and have a m gnified impac on performance. IPO shares may be sold sh rtly after purchase, which can increase portfolio turnover and expenses, including commissions and transaction costs. Additionally, IPO shares are subject to increased market, liquidity, and issuer risks. 26 Investing in lo ns creates risk for the borrower, lender, and any other participants. A borrower m y fail to make payments of principal, interest, and other amounts in conn ction with loans of cash or as well as overall market and economic conditions, and can decline in the event of deteriorating issuer, market, or economic conditions.

for more information. 19 Investments in depositary receipts generally reflect the risks of the securities they represent, although they may be subject to increased liquidity risk and higher expenses and may not pass through voting and other shareholder rights. Depositary receipts cannot be directly exchanged for the securities they represent and may trade at either a discount or premium to those securities. 20 Concentrating assets in a particular industry, sector of the economy, or markets may increase volatility because the investment will be more susceptible to the impact of market, economic, regulatory, and other factors affecting that industry or sector compared with a more broadly diversified asset allocation. 21 Arbitrage strategies involve investment in multiple securities with the expectation that their prices will converge at an expected value. These strategies face the risk that the advisor’s price predictions will not perform as expected. Investing in event-driven or merger arbitrage strategies may not be successful if the merger, restructuring, tender offer, or other major corporate event proposed or pending at the time of investment is not completed on the terms contemplated. 22 Investments in preferred stocks may be subject to the risks of deferred distribution payments, involuntary redemptions, subordination to debt instruments, a lack of liquidity compared with common stocks, limited voting rights, and sensitivity to interest- rate changes. 23 Active trading may create high portfolio turnover, or a turnover of

14 The value of fixed-income or debt securities may be susceptible to general movements in the bond market and are subject to interest- rate and credit risk. 15 Because the MSCI All Country World Small Cap Index was not in existence when the fund’s Class A shares were first sold, cumulative returns through May 31, 1994, reflect the returns of the S&P Developed <$1.2 Billion Index. Results reflect dividends net of withholding taxes. 16 Concentrating assets in mid- capitalization stocks may subject the portfolio to the risk that those stocks underperform other capitalizations or the market as a whole. Mid-cap companies may be subject to increased liquidity risk compared with large-cap companies and may experience greater price volatility than do those securities because of more- limited product lines or financial resources, among other factors. 17 Investments in convertible securities may be subject to increased interest-rate risks, rising in value as interest rates decline and falling in value when interest rates rise, in addition to their market value depending on the performance of the common stock of the issuer. Convertible securities, which are typically unrated or rated lower than other debt obligations, are secondary to debt obligations in order of priority during a liquidation in the event the issuer defaults. 18 This is not one of the American Funds and is not managed by Capital Group, the investment manager for the American Funds. See the prospectus, if applicable, or your plan’s financial professional

100% or more, resulting in increased transaction costs. These higher costs may have an adverse impact on performance and generate short-term capital gains, creating potential tax liability even if an investor does not sell any shares during the year. 24 The value of equity securities, which include common, preferred, and convertible preferred stocks, will fluctuate based on changes in their issuers’ financial conditions, 25 Investing in initial public offerings may increase volatility and have a magnified impact on performance. IPO shares may be sold shortly after purchase, which can increase portfolio turnover and expenses, including commissions and transaction costs. Additionally, IPO shares are subject to increased market, liquidity, and issuer risks. 26 Investing in loans creates risk for the borrower, lender, and any other participants. A borrower may fail to make payments of principal, interest, and other amounts in connection with loans of cash or as well as overall market and economic conditions, and can decline in the event of deteriorating issuer, market, or economic conditions.

securities or fail to return a borrowed security in a timely manner, which may lead to impairment of the collateral provided by the borrower.

Investments in loan participations may be subject to increased credit, pricing, and liquidity risks, with these risks intensified for belowinvestm nt-grade loans. 27 Performance is subject to the risk that the advisor’s asset allocation and investment strategies do not p rf rm as expected, which may

Investments in loan participations may be subject to increased credit, pricing, and liquidity risks, with these risks intensified for belowinvestment-grade loans. 27 Performance is subject to the risk that the advisor’s asset allocation and investment strategies do not perform as expected, which may

ot one of the America d is not managed by roup, the investment

r for the A erican Funds. prospectus, if applicable, lan’s financial professional

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