401(k) Enrollment Book

Plan for the life you want in retirement.R E T I R E M E N T : A N E W B E G I N N I N G

When you think about your first day of retirement, what do you see? Are you relaxed and energized, thinking about all the wonderful new possibilities ahead?

LET’S EXPLORE THE POSSIBILITIES

Dear Employee,

Congratulations! You have reached an important milestone and you are now eligible to participate

in the Virginia International University 401(k) Plan.

We are pleased to be able to offer you this benefit. Planning for retirement may not be one of the

most exciting things you will ever do, but, taking some time now will put you in a position to be

better prepared financially.

We hope that you use the information in this enrollment kit, take advantage of this benefit and

make the most of this opportunity.

What Are The Next Steps?

1. Read through the enrollment kit.

2. Enroll in the plan today by completing the Enrollment and Beneficiary Forms.

3. Turn these forms into our Human Resources office.

Please contact our Human Resources office if you have any questions. Again, we are pleased to be

able to offer you this key benefit and wish you the best in preparing for and achieving your

retirement goals.

Sincerely,

Prashish Shrestha

Virginia International UniversityVirginia International University 401(k) Plan Highlights

ELIGIBILITY All employees must meet the eligibility requirements listed below for:

All contributions.

You must be 21 years old.You must complete 3 months of Service with at least 360 hours of service worked during those 3 months.

ENROLLMENT PERIODS

On meeting the eligibility requirements you may join the Plan:

The first day of the month coinciding with or after meeting the eligibility requirement(s).

CONTRIBUTIONS Employee Contributions

Through payroll deduction, you can make pre-tax contributions from 1.00% up to 100.00% of your eligible compensation. An Internal Revenue Service (IRS) dollar limit applies. The dollar limit is $18,000 for 2015. All eligible employees will be automatically enrolled into the Plan at 3% of compensation, unless they opt out by completing the enrollment form.

Roth ContributionsThe Plan allows you to make after-tax Roth contributions to your Retirement Plan. The Internal Revenue Code dollar limit also applies cumulatively to your employee pre-tax contributions and your Roth contributions. The dollar limit is $18,000 for 2015. To qualify for tax-free withdrawals, your money must remain in the account for five years and you must have reached 59 1/2. Unlike Roth IRAs, there is no income limit on who can make Roth contributions to a Retirement Plan. However, Roth contributions may be limited by applicable nondiscrimination rules for Retirement Plans. See your Plan Administrator for more details.

Catch-Up Contributions

If you are age 50 or older and make maximum allowable deferrals to your Plan, you are entitled to contribute an additional "catch-up contribution". The catch-up contribution is intended to help eligible employees make up for smaller contributions made earlier in their career. The maximum catch-up contribution is $6,000 for 2015. See your Plan Administrator for more details.

Employer Contributions

Match

The Plan provides for a matching contribution of 100% of Employee Deferrals not to exceed 3% of compensation, plus 50% on the next 2% Deferred.

Profit Sharing

Your employer may make Profit Sharing contributions at its discretion, which will be allocated among all eligible employees, whether or not they make contributions.


Employer contributions benefit all eligible employees.

Contribution Changes

You may increase or decrease the amount of your contributions at the beginning of the next payroll period.You may stop your contributions at any time.

VESTING Vesting refers to your 'ownership' of a benefit from the Plan. The money that you contribute and the money it earns are always 100% vested. Any rollover or transfer contributions you make are also 100% vested.

Employer Match Profit Sharing

Years of Service Vesting % Years of Service Vesting %

23456

20%40%60%80%100%

23456

20%40%60%80%100%

In order to be credited with a year of vesting, Participant must work at least 1,000 hours during the Plan Year.

In order to be credited with a year of vesting, Participant must work at least 1,000 hours during the Plan Year.

WITHDRAWALS

• Age 59 1/2 or older

• Financial Hardship

• Termination of Service

• Death

• Disability

Funds may be withdrawn from your Plan account in these events:

For age 59.5 and Hardship Distributions, you may take a distribution of Elective Deferrals and Rollover balances only. Rollover balances themselves may be taken at any time.


LOANS The Plan is intended to help you put aside money for your retirement. However your employer has included a Plan feature that lets you borrow money from the Plan.

You can have 1 loan outstanding at a time. The minimum loan amount is $1000.00.

A Participant loan may be for any reason and can be taken from all vested sources.

The amount you may borrow is limited by rules under the tax laws. In general, all loans will be limited to the lesser of one-half of your vested account balance or $50,000.

Other requirements and limits must be met, and certain fees may apply. Refer to the Summary Plan Description for more details about this participant loan feature.

HARDSHIP WITHDRAWALS

If you have an immediate financial need created by severe hardship and you lack other reasonably available resources to meet that need, you may be eligible to receive a hardship withdrawal from your Plan. Hardship withdrawals may be taken from 401(k) Deferrals and Rollover balances only.

A hardship, as defined by the government, can include:

• Purchase of your primary residence • Payment of tuition and related costs for the employee, spouse, dependents, or children who are no longer dependents for post-secondary education • Payment of certain medical expenses • Prevention of eviction from, or foreclosure on, your primary residence • Funeral/burial expenses for a parent, spouse, child or dependent • Repair of damages to employee's primary residence that qualifies for casualty deduction

ROLLOVERS You are allowed to roll over money into your account. See your Summary Plan Description or Plan Administrator for rollover details.

After meeting the eligibility requirement(s), Rollovers are allowed from Qualified Plans, 403(b), and 457(b).


404(c) STATEMENT

The Plan is intended to comply with ERISA Section 404(c) regulations. This simply means that you "exercise control" over some or all of the investments in your Plan account. The fiduciaries of the Plan may be relieved of liability, or responsibility, for any losses that you may experience as a direct result of your investment decisions. As a Plan participant, you may request certain information from:

Virginia International University Prashish Shrestha4401 Village Drive Vienna, VA 22030 571-382-0918

CONTACT INFORMATION

Financial Advisors

Lee HoffmanMerrill Lynch8075 Leesburg Pike, Ste. 600Vienna, VA 22182 [email protected]

Grant MarshMerrill Lynch8075 Leesburg Pike, Ste. 600Vienna, VA 22182 [email protected]

ACCOUNT INFORMATION

Participant Web Site www.accesscdm.com

Automated Voice Response Number 888-203-4015

Customer Service Number 888-203-4015

Today’s retirees are living longer than ever before – well into their 70s, 80s, 90s, and even 100s – and are pursuing diverse and active lifestyles. They volunteer, travel, exercise, help care for grandchildren and other family members, and even continue to work, ideally on their own terms. Retirement is no longer viewed as a time of rest after years of hard work, but the beginning of a brand new stage of life, complete with new adventures. How will you create yours?

Before you answer, consider this: Most people will probably need between 70% and 100% of their final income each year during retirement to afford a comfortable lifestyle.

But there’s a catch: Your income needs to increase a bit each year to keep up with the rising cost of living. For example, if you retire making $60,000 and decide that you’ll need 80% of that amount to live on, you’ll need a little more than $48,000 in your first year of retirement (including any income you would receive from Social Security). Then each year after that, your retirement income will need to rise to maintain your lifestyle.

That means you’ll need a sizable amount of money set aside before you retire in order to provide the income you’ll need during retirement.

There’s good news: your employer offers one of the most valuable employee benefits available today – a defined contribution retirement savings plan. By taking full advantage of your employer’s plan, you can help make your retirement the best stage of your life.

When you think about your first day of retirement, what do you see? Are you relaxed and energized, thinking about all the wonderful new possibilities ahead?

R E T I R E M E N T : A N E W B E G I N N I N G

How Much Will You Receive From Social Security?

Social Security has been the subject of much debate in recent years. While some folks hope to rely on Social Security for all of their retirement income, others question whether Social Security will help much at all. For most people, the reality probably falls somewhere in the middle. To get an estimate of your Social Security benefits, visit www.socialsecurity.gov.

Retirement Savings Plan

Social Security

Traditional Pension

Real Estate, Other Savings, Investments & Other Assets

R E T I R E M E N T : Y O U R R E T I R E M E N T I N C O M E S T R A T E G Y

In our parents’ and grandparents’ era, retirement income was built from what was often referred to as the “three-legged stool.” One leg was Social Security; the second leg was an employer benefit known as a pension plan; and the third was an individual’s own personal savings.

Unfortunately, traditional pension plans are rare nowadays – only a small percentage of companies offer one - and Social Security has become the source of much debate (see sidebar). Tomorrow’s retirees will likely need to piece together their income from a variety of sources, which might include the traditional legs mentioned above, as well as other sources of income, such as real estate, insurance and annuities, and perhaps even income

from a part-time job or a new business venture.

And fortunately for you, a potentially strong source of retirement income could be your employer-sponsored retirement savings plan. By taking full advantage of your plan now, you could make it the core piece of your retirement income strategy down the road.

This table offers a glimpse of how much it might take to provide 70% of a given salary each year for 25 years, using certain assumptions, including the fact that your salary will rise by 3% a year until you retire. These amounts do not consider any current savings you may have, or other possible income sources such as Social Security. They are meant to show how important it is to plan ahead.

To see how these figures might compare to your own savings target, use a goal-setting worksheet or an online retirement goal-setting calculator, or visit a financial professional.

Current Salary

Years Until Retirement

10 20 30

$40,000 $822,189 $1,104,953 $1,484,965

$60,000 $1,233,284 $1,657,430 $2,227,448

$80,000 $1,644,378 $2,209,907 $2,969,930

Figures are hypothetical and for illustrative purposes only. They assume a 3% inflation rate and a rate of return during retirement of 4% per year. Inflation and returns will fluctuate over time and cannot be guaranteed. Taxes are not considered.

What Does It Take to Provide Income for a Retirement That Lasts 25 years?

Convenience:

When you participate in an employer-sponsored savings plan, your contributions are taken directly from your paycheck. This process makes saving easy, allowing you to “pay yourself first,” automatically, each pay period. In addition, some employers offer an employer match—extra money that goes into your plan based on how much you contribute. If your plan offers a match, be sure to save at least enough to get the full amount. The money is similar to a guaranteed return on your contribution dollars.*

Tax advantages:

Depending on the type of plan your employer offers, you could cut your tax bill both now and in the future. With a traditional “pretax” savings plan, contributions are deducted from your pay before income taxes. That means your taxable income—and the amount you pay to Uncle Sam each year you participate in the plan—is lower. In addition, your account benefits from “tax deferral.” Unlike other investment accounts that require you to pay taxes each year on the earnings, qualified

retirement plans allow you to put off paying taxes on your earnings until you withdraw the money. Some plans also offer a Roth account. With Roth accounts, your contributions are taken from your pay after taxes, but withdrawals are tax free if certain requirements are met.**

Investment choice:

Your plan offers many different types of investments. This will help you put together a strategy to pursue your saving goals with a comfortable level of risk (see Investing 101 for more information).

*Employer matches are often subject to a vesting schedule, which means you need to be employed for a certain amount of time before the match money, and any earnings on it, is entirely yours.

**Withdrawals from non-Roth plans and nonqualified withdrawals from Roth plans will be taxed at then-current rates. In addition, early withdrawals will be subject to a 10% penalty tax. See your Summary Plan Description for more details.

Benefits for Today and Tomorrow. Your retirement savings plan offers three primary benefits, including convenience, tax advantages, and a variety of investments to consider.

This example assumes a 25% federal tax rate and a 6% plan contribution, and has been simplified for illustrative purposes. Your results will differ based on your unique circumstances.

Employee 1 Employee 2

Bi-Weekly Pay $2,000 $2,000

Plan Contribution $0 $120

Taxable Pay $2,000 $1,880

Taxes Paid $500 $470

Amount Contributed: $120

Immediate Savings: $30

1

2

3

Immediate Benefits of Pretax Contributions

Risk/Reward Comparison Key

� High Risk/Reward

� Mid Risk/Reward

� Low Risk/Reward

R E T I R E M E N T : I N V E S T I N G 1 0 1

Once you've made the decision to set aside money for retirement, the next important decision you'll make is how to invest that money. It is helpful to understand a few concepts and how they relate to your individual circumstances.

Stocks�

Higher Risk, Higher Potential Reward

Stocks represent ownership in a company – i.e., when you own stock in an organization, you actually own a small piece of that company. The number of shares you own determines how much of the company you own. Stocks are the most risky of the three asset classes, and therefore tend to offer the best potential for higher returns over time. But they also may present the greatest risk to your money.

Bonds� Moderate Risk, Moderate Potential Reward

Bonds represent loans you (the bondholder) make to a company or a government (the borrower). In return for the money you provide, the borrower promises to pay interest income at a stated rate. However, there are no guarantees that the borrower will continue to make its promised payments or that you will get the full value of your loan back. For this reason, bonds fall in the mid-range of the risk/return scale.

Cash�

Lower Risk, Lower Potential Reward

These investments are designed to protect your money. Although they are considered low risk in the sense that there is a small chance of losing your investment dollars, there is a larger risk that your money won’t grow enough to adequately pursue your savings goal.

First, let's consider some basic principles of investing. The investment options available in your plan may range from not so risky ("conservative") to very risky ("aggressive"). Riskier investments typically offer the chance for higher returns over the long term – but they also come with a greater chance of losing your savings.

Using a mix of different investments, a process known as "diversification," can help you manage risk in your portfolio.

The investments in your plan can generally be placed in one of three categories called "asset classes." They are stocks, bonds, and cash (also known as capital preservation). Each asset class has a different risk/return personality.

11%

9.2%6.0%

3.0%

2.3%

$8.02

$5.82

$3.24

4.0%$1.80

$1.57

This chart illustrates the historical growth of $1.00 invested in stocks, bonds, and cash for the 20 years ended December 31, 2013. It also shows how costs rise over time (inflation). As you think about your risk tolerance and how it relates to your asset allocation, consider your ability to ride out the dips in the value of your retirement savings plan in pursuit of long-term gains.

Source: Morningstar Principia. Performance covers the 20-year period ended December 31, 2013. Small stocks are represent-ed by the Russell 2000 Value Index; large stocks are represented by the S&P 500 Index; bonds are represented by the Barclays Capital Aggregate Bond Index; cash is represented by the 90-day U.S. Treasury bill; and inflation is represented by the Con-sumer Price Index. Indexes do not take into account the fees and expenses associated with investing, and individuals cannot invest directly in any index. Past performance cannot guarantee future results.

All investing involves risk, including the possible loss of principal. Stocks are particularly susceptible to volatility and market risk, or the risks that their prices will fluctuate with overall market conditions, and small stocks tend to experience wider price swings than large stocks. Bonds are subject to interest rate risk, or the risk that bond prices will decline with rising interest rates, as well as credit risk, or the possibility that the bond issuers will not be able to make their promised interest payments or repay principal. Cash investments are most susceptible to inflation risk, or the risk that returns will not keep pace with the rising cost of living. There can be no assurance than any investment strategy will be successful.

20-year historic performance of the three major asset classes and inflation

(results of $1 invested in January 1994)

� Small Stocks

� Large Stocks

� Bonds

� Cash

� Inflation

Annualized average returns

January 1994 December 2013

$1

Sneaky Inflation

Why take on any risk at all in your retirement savings plan? One important reason is the need to beat inflation, or the rising cost of living. Consider how much some everyday purchases could cost after 20 years at a 3% inflation rate.

. . . . . . . . . . . . . . . . . . . . . . . . . . . . Gallon of milk 20 Years $3.50 today $6.32. . . . . . . . . . . . . . . . . . . . . . . . . . . . Haircut 20 Years $30 today $54.18. . . . . . . . . . . . . . . . . . . . . . . . . . . . Running shoes 20 Years $85 today $153.52. . . . . . . . . . . . . . . . . . . . . . . . . . . . New car 20 Years $20,000 today $36,122

December 2003

R E T I R E M E N T : C H O O S I N G Y O U R I N V E S T M E N T S

Something to Consider

Before investing in a mutual fund, carefully consider its investment objectives, risks, fees, and expenses, which can be found in the prospectus available from the fund. Obtain a copy of the prospectus and read it carefully before investing.

Most retirement savings plans offer access to the three asset classes through mutual funds. These investments bring together the money from many different retirement plan participants to buy a pool, or “portfolio,” of individual stocks, bonds, and/or cash investments. By investing in a fund or several funds, you own small portions of each individual security. You are also taking advantage of the principle of diversification, which helps you manage risk. You select funds for your needs based on each fund’s objective (what it is designed to achieve).

Following are some common fund objectives

Typical objective

Description Invests in Risk level

Growth Growth of invest-ment dollars over time (can be more or less aggressive)

Mainly stocks Tend to offer higher long-term average returns, but carry most risk of loss

Income Provide stream of income over time

Mainly bonds Generally fall in the middle of the risk/return spectrum

Capital Preservation

Protect invest-ment dollars

Cash investments and low-risk bonds

Most conservative offerings in the plan; tend to offer lowest returns

Investment Mix

Your savings goal, time horizon and risk tolerance help to determine your investment mix.

Savings Goal

TimeHorizon

Risk Tolerance

InvestmentMix

When you choose investments for your retirement savings plan, you use a process called “asset allocation,” which refers to how you divide your investment dollars among the three main asset classes. But how do you make your choices?

Three main factors that will help guide your asset allocation decision:

Savings goal How much you want to have in your retirement savings plan account at retirement

Time horizon How long until you retire

Risk tolerance How much risk you are willing to take with your savings to pursue returns

1 2 3

Generally speaking, a large goal, a high tolerance for risk, and a long time horizon would translate into a more aggressive strategy – and a higher allocation to stock/growth investments. The opposite is also true: smaller goals, a low tolerance for risk, and a shorter time horizon might require a more conservative approach.

A careful analysis of these three personal factors can help you make thoughtful, strategic choices for your retirement savings plan. The goal setting and risk tolerance worksheets that may be included in this booklet can also help, or consider working with a financial professional.

Also keep in mind that there is no guarantee that any investment strategy will be successful; all investing involves risk, including the possible loss of principal. And remember that asset allocation and diversification can’t guarantee a profit or eliminate the possibility of potential losses, including the loss of principal.

R E T I R E M E N T : T H E P O W E R O F C O M P O U N D I N G

Age 50 and Over: Here’s a Chance to Catch Up!

If you are age 50 or over and are just now beginning to plan for retirement, don’t panic. Special Internal Revenue Service (IRS) “catch up” rules allow you to save more in your retirement savings plan. While most workers can contribute up to $17,500 in 2013, savers age 50 and older can save up to $23,000 in 2013. The IRS reviews these figures each year for possible adjustments.

Time horizon

Total amount saved

Total amount accumulated

10 years $31,200 $45,100

20 years $62,400 $135,835

30 years $93,600 $318,381

That’s the power of compounding at work. And

the longer your time horizon, the more dramatic the

results may be.

$45,100

$135,835

$318,381$350,000 -

$300,000 -

$250,000 -

$200,000 -

$150,000 -

$100,000 -

$ 50,000 -

$0 -10 3020Number of Years Invested

The Compounding Difference

Compounding, the most powerful force in the universe

It is believed that Albert Einstein once called compounding “the most powerful force in the universe.” Compounding is when your money earns returns, and then those returns earn more returns themselves. In your retirement savings account, compounding can be a driving force behind your rate of success.

Let’s say you contribute $120 to your retirement savings

plan on a biweekly basis. Assuming you earn a 7% rate

of return each year, your results would look like this:

These examples are hypothetical, for illustrative purposes only, and do not represent the performance of any actual investment. Returns will change from year to year, and cannot be guaranteed. You may also lose money in your retirement plan investments.

Plan now for your retirement. No matter what your age, now

is the time to begin planning for retirement. And an important first

step is participating in your employer-sponsored retirement savings plan.

Contribute as much as you can (up to plan limits) to benefit from any employer match, as well as current and future tax advantages.

Invest thoughtfully and strategically, based on your savings goal, time horizon, and risk tolerance.

Review your plan at least annually to ensure it stays on track.

1 2 3

How much might you need to retire? Use this worksheet to help target a total accumulation goal.

1. How much is your current income?

2. Multiply this amount by .80. This is an estimated annual income in retirement, in today’s dollars, based on 80% of your current income. (Or enter a different amount, if you choose. Most experts suggest 70% to 100% of your current annual income.)

3. How much might you receive from Social Security each year, in today’s dollars? Visit www.socialsecurity.gov to estimate your Social Security income.

4. How much might you receive each year from other sources, in today’s dollars, such as pension income?

5. Add lines 3 and 4. This is your total estimated annual income, in today’s dollars, from other sources.

6. Subtract line 5 from line 2. This is your estimated income gap, which you will need to make up from your retirement savings.

7. How many years until you retire?

8. Find the corresponding factor from Factor A (above) and enter it here.

9. Multiply line 6 by line 8. This is the amount that your savings will need to generate in year one of your retirement.

10. How long do you expect your retirement to last?

11. Find the corresponding number from Factor B (above) and enter it here.

12. Multiply line 9 by line 11. This is the target amount you may need to accumulate by the time you retire.

This worksheet assumes that inflation rises at an average of 3% per year both before and during retirement. It also assumes that your investments grow at an average of 6% per year before retirement, and 4% per year during retirement. Such assumptions are hypothetical and cannot be guaranteed.

This worksheet is not meant as advice, but as a way to provide a general estimate for illustrative purposes. Your specific goal should take into consideration your total family income, your current and expected assets, and other unique circumstances. A financial professional can help you calculate a goal that is specific to your particular situation.

Example You

Years until retirement 5 10 15 20 25 30 35 40Factor A 1.16 1.34 1.56 1.81 2.09 2.43 2.81 3.26

Factor B 4.90 9.58 14.03 18.27 22.32 26.17 29.84 33.34

$60,000 1. $ _________

$40,000 2. $ _________

$23,000 3. $ _________

$0 4. $ _________

$23,000 5. $ _________

$17,000 6. $ _________

20 years 7. __________

1.81 8. __________

$30,770 9. $ _________

25 years 10. _________

22.32 11. _________

$686,786 12. $ ________

E S T I M A T E Y O U R R E T I R E M E N T S A V I N G S G O A L

BlackRock Ready Assets Prime Money

Fund Overview as of 09/30/2014

Management Company

BlackRock

100 Bellevue ParkwayWilmington, DE 19809800-221-7210

Ticker

Expense Ratio

Month End NAV (09/30/2014)

Sub-Advisor

MRAXX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities

Avg 12 Month Turnover

Management Team

5.09 Yr(s)

02/19/1975

Money Market

2,320.6 Million

96

Redemption Fees

0.70%

n/a

n/a

$1.00

Investment PolicyThe investment seeks preservation of capital, liquidity and the highest possible current income consistent with this objective available from investing in a diversified portfolio of short-term money market securities. The fund seeks to achieve its investment objective by investing in a diversified portfolio of short-term money market securities. These securities are generally debt securities and other instruments that mature within 13 months, with certain exceptions. It only invests in money market instruments of issuers with one of the two highest short-term ratings.

Asset ClassificationMoney Market-Taxable

High

Medium

Low

Limtd ExtrMod

MorningStar ®Style Box ™

0K

2K

4K

6K

8K

10K

12K

04 05 06 07 08 09 10 11 12 13 14

Growth of $10,000 Investment as of 09/30/2014

Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.

Investment Risk

Rating data is currently not available

Top 10 Holdings as of 07/31/2014

Holding Name Percent of TNAMizuho Securities Usa, Inc., 0.10% 8/01/14(To Be Repurchased At 70,000,194, 3.01%U.S. Treasury Notes: 0.25% 2.71%Sumitomo Mitsui Banking Corp., Ny 0.25% 2.62%Collateralized Commercial Paper Co. Llc : 0.27% 2.59%Citibank Na 0.24% 2.41%Natixis U.S. Finance Co. Llc., 0.10% 2.28%U.S. Treasury Notes: 0.09% 2.21%Wells Fargo Bank Na, 0.22% 2.15%Rabobank Nederland Nv, Ny: 0.27% 1.93%Canadian Imperial Bank Of Commerce, Ny : 0.29% 1.92%Percent of Assets in Top Holdings 23.83%

Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.

Annualized Performance as of 09/30/2014

3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life

Fund 0.00% 0.00% 0.00% 0.00% 0.01% 1.48% 5.24%

Morningstar Cat* -0.01% 0.00% 0.01% 0.02% 0.02% 1.43% ---

Category Rank n/a n/a n/a n/a n/a n/a

* Morningstar Money Market-Taxable Average

The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-221-7210.

Asset Allocation as of 07/31/2014

95.67%

3.71%

0.62%

Cash

Fixed

Other

Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.

Calendar Year Performance as of 09/30/2014

BlackRock Ready Assets Prime Money

2009

0.23%

2010

0.01%

2011

0.00%

2012

0.00%

2013

0.00%

You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-221-7210. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.

Top Sectors By Percent** as of 07/31/2014

Cash and Equivalents

Government

Agency Mtg Backed

95.67%

3.06%

0.64%

** Sector weightings based on Industry Classification Benchmarks (ICB) Industries

JPMorgan Core Plus Bond C


Management Company

JPMorgan

Jpmorgan Trust II245 Park AvenueNew York, NY 10167800-480-4111

Ticker

Expense Ratio


Sub-Advisor

OBDCX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

7.24 Yr(s)

05/30/2000

Taxable Bond

2,768.7 Million

2479

Redemption Fees

1.40%

25.00%

n/a

$8.36

Investment PolicyThe investment seeks a high level of current income by investing primarily in a diversified portfolio of high-, medium- and low-grade debt securities. The fund normally invests at least 80% of its assets in bonds. Under normal conditions, at least 65% of the fund's total assets must be invested in securities that, at the time of purchase, are rated investment grade (or the unrated equivalent). It may invest up to 35% of net assets in foreign securities, including securities denominated in foreign currencies.

Asset ClassificationIntermediate-Term

High

Medium

Low

Limtd ExtrMod


0K2K4K6K8K

10K12K14K16K

04 05 06 07 08 09 10 11 12 13 14



Investment Risk

Conservative Moderate Aggressive



Holding Name Percent of TNAUS Treasury Bond 5.5% 1.03%U S Treas Sec Stripped Int Pmt 0.85%US Treasury Bond 8.125% 0.69%U S Treas Sec Stripped Int Pmt 0.69%U S Treas Sec Stripped Int Pmt 0.53%US Treasury Bond 8.125% 0.51%US Treasury Bond 4.375% 0.48%U S Treas Sec Stripped Int Pmt 0.48%Ml-Cfc Coml Mtg Tr 2007-9 CMO 5.7% 0.45%FNMA 3.5% 0.44%Percent of Assets in Top Holdings 6.15%




Fund -0.04% 4.01% 4.56% 3.89% 5.23% 4.59% 5.27%

Morningstar Cat* -0.09% 4.01% 4.34% 3.41% 4.80% 4.45% ---

Category Rank 47% 54% 42% 35% 36% 46%

* Morningstar Intermediate-Term Bond Average



96.33%

2.74%

0.84%

0.08%

Fixed

Cash

Other

Equity



JPMorgan Core Plus Bond C

2009

15.21%

2010

9.12%

2011

5.92%

2012

6.31%

2013

-0.50%



Corporate BondAgency Mtg Backed

GovernmentAsset Backed

Non-Agency Res Mtg BkCommercial Mtg Backed

Cash and EquivalentsGovernment Related

Bank LoanConvertible

Muni TaxableBasic Materials

Consumer CyclicalUtilities

32.28%21.09%

15.20%10.47%

8.92%5.46%

2.74%1.87%

0.60%0.27%0.27%0.06%0.01%0.01%


AllianceBern High Income C


Management Company

AllianceBernstein

Alliancebernstein High Income Fund Inc1345 Avenue Of The AmericasNew York, NY 10105800-221-5672

Ticker

Expense Ratio


Sub-Advisor

AGDCX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

8.71 Yr(s)

02/25/1994

Taxable Bond

6,922.6 Million

1288

Redemption Fees

1.60%

38.00%

n/a

$9.50

Investment PolicyThe investment seeks to maximize total returns from price appreciation and income. The fund pursues income opportunities from government, corporate, emerging market and high-yield sources. It has the flexibility to invest in a broad range of fixed-income securities in both developed and emerging market countries. The fund's investments may include U.S. and non-U.S. corporate debt securities and sovereign debt securities. It may invest, without limitation, in either U.S. Dollar-denominated or non-U.S. Dollar-denominated fixed-income securities.

Asset ClassificationMultisector Bond

High

Medium

Low

Limtd ExtrMod


0K

4K

8K

12K

16K

20K

24K

28K

04 05 06 07 08 09 10 11 12 13 14



Investment Risk




Holding Name Percent of TNAUS Treasury Bond 7.5% 0.73%Ivory Coast Republic 2.5% 0.61%Brazil(Fed Rep Of) 10% 0.61%Venezuela Rep 9.25% 0.49%Iasis Cap Llc / Iasis Cap 8.375% 0.32%Laureate Educ 144A 9.25% 0.31%Bmc Software Fin 144A 8.125% 0.29%Pra Merger Sub 144A 9.5% 0.27%Travelport Llc (Fka Travelport, Inc.) 9.50% 0.27%Dubai Hold Comm Op 6% 0.26%Percent of Assets in Top Holdings 4.16%




Fund -1.53% 3.78% 6.69% 10.71% 9.79% 9.19% 10.33%

Morningstar Cat* -1.02% 3.84% 5.81% 6.56% 7.18% 6.05% ---

Category Rank 72% 49% 30% 9% 13% n/a

* Morningstar Multisector Bond Average



79.08%

13.14%

7.63%

0.16%

Fixed

Cash

Other

Equity



AllianceBern High Income C

2009

60.49%

2010

15.91%

2011

1.21%

2012

17.75%

2013

5.72%


Top 15 Sectors By Percent** as of 08/31/2014

Corporate BondCash and Equivalents

GovernmentNon-Agency Res Mtg BkCommercial Mtg Backed

PreferredConvertibleBank Loan

Agency Mtg BackedUS Muni Tax Advtged

Muni TaxableAsset Backed

Financial ServicesGovernment Related

Basic Materials

57.27%13.18%

10.73%5.27%

2.51%1.50%0.78%0.54%0.32%0.30%0.30%0.19%0.15%0.05%0.01%


Columbia Limited Duration Credit C


Management Company

Columbia

Columbia Funds Series Trust II225 FRANKLIN STREETBOSTON, MA 02110800-345-6611

Ticker

Expense Ratio


Sub-Advisor

RDCLX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

6.39 Yr(s)

06/19/2003

Taxable Bond

1,171.6 Million

142

Redemption Fees

1.58%

93.00%

n/a

$9.93

Investment PolicyThe investment seeks to provide shareholders with a level of current income consistent with preservation of capital. Under normal circumstances, the fund invests at least 80% of its net assets (including the amount of any borrowings for investment purposes) in corporate bonds. It will primarily invest in debt securities with short- and intermediate-term maturities generally similar to those included in the fund's benchmark index, the Barclays U.S. 1-5 Year Corporate Index (the index).Asset Classification

Short-Term Bond

High

Medium

Low

Limtd ExtrMod


0K

2K

4K

6K

8K

10K

12K

14K

04 05 06 07 08 09 10 11 12 13 14



Investment Risk




Holding Name Percent of TNANYSE/Liffe 10 Year US Treasury Note Future Dec14 22.55%5 Year US Treasury Note Future Dec14 4.25%NYSE/Liffe 2 Year US Treasury Note Future Dec14 2.18%Transalta 1.9% 2.12%British Sky Broadcstg Grp 144A 3.125% 1.99%General Mls Inc Medterm Nts Be 6.19% 1.97%Verizon Comms 3.5% 1.80%Liberty Mut Grp 144A 6.7% 1.70%Dominion Res Inc Va New 4.45% 1.63%Five Corners Fdg Tr 144A 4.419% 1.63%Percent of Assets in Top Holdings 41.82%




Fund -0.53% 0.89% 1.54% 2.51% 3.04% 2.87% 2.62%

Morningstar Cat* -0.18% 1.06% 1.47% 1.85% 2.49% 2.93% ---

Category Rank 92% 53% 38% 25% 26% 54%

* Morningstar Short-Term Bond Average



51.01%

49.84%

-0.85%

Cash

Fixed

Other



Columbia Limited Duration Credit C

2009

14.60%

2010

5.38%

2011

1.64%

2012

5.08%

2013

0.35%



Corporate Bond


Government

77.86%

51.01%

0.95%


JPMorgan US Equity C


Management Company

JPMorgan

JPMorgan Trust I1111 Polaris Parkway, Ste. 2-jColumbus, OH 43240800-480-4111

Ticker

Expense Ratio


Sub-Advisor

JUECX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

6.93 Yr(s)

09/07/2001

U.S. Equity

11,125.4 Million

174

Redemption Fees

1.47%

n/a

n/a

$14.76

Investment PolicyThe investment seeks to provide high total return from a portfolio of selected equity securities. Under normal circumstances, the fund invests at least 80% of its assets in equity securities of U.S. companies. "Assets" means net assets, plus the amount of borrowings for investment purposes. In implementing its strategy, the fund primarily invests in common stocks of large- and medium-capitalization U.S. companies but it may also invest up to 20% of its assets in common stocks of foreign companies, including depositary receipts.

Asset ClassificationLarge Blend

Large

Medium

Small

Val GrwthBlnd


0K

4K

8K

12K

16K

20K

24K

04 05 06 07 08 09 10 11 12 13 14



Investment Risk




Holding Name Percent of TNAApple Inc 3.66%Johnson & Johnson 3.20%Wells Fargo & Co 2.61%Schlumberger NV 2.19%Microsoft Corp 2.18%Google Inc Class C 2.03%Time Warner Inc 1.89%Bank of America Corporation 1.84%Honeywell International Inc 1.82%UnitedHealth Group Inc 1.76%Percent of Assets in Top Holdings 23.18%




Fund 1.11% 7.35% 18.99% 23.18% 14.81% 8.40% 6.72%

Morningstar Cat* -0.08% 6.33% 16.84% 21.59% 14.10% 7.51% ---

Category Rank 19% 37% 30% 25% 38% 19%

* Morningstar Large Blend Average



99.22%

0.78%

Equity

Cash



JPMorgan US Equity C

2009

32.05%

2010

13.39%

2011

-2.29%

2012

16.30%

2013

34.94%



TechnologyFinancial Services

Health CareConsumer Cyclical

IndustrialsEnergy

Consumer DefensiveBasic Materials

Communication ServicesUtilities

Cash and EquivalentsReal Estate

20.56%16.08%

15.28%11.37%

10.44%10.06%

5.42%3.88%3.54%

2.20%0.78%0.38%


JPMorgan US Small Company C


Management Company

JPMorgan


Ticker

Expense Ratio


Sub-Advisor

JTUCX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

7.05 Yr(s)

11/01/2007

U.S. Equity

583.6 Million

366

Redemption Fees

1.77%

51.00%

n/a

$14.71

Investment PolicyThe investment seeks to provide high total return from a portfolio of small company stocks. Under normal circumstances, the fund invests at least 80% of its assets in equity securities of small cap US companies. Small cap companies are companies with market capitalizations similar to those within the universe of the Russell 2000® Index at the time of purchase. The fund pursues returns that exceed those of the Russell 2000® Index while seeking to limit its volatility relative to this index.Asset Classification

Small Blend

Large

Medium

Small

Val GrwthBlnd


0K

4K

8K

12K

16K

20K

07 08 09 10 11 12 13



Investment Risk




Holding Name Percent of TNAIconix Brand Group Inc 1.30%Minerals Technologies Inc 1.27%InterDigital Inc 1.27%Strayer Education Inc 1.17%Manhattan Associates Inc 1.14%Dana Holding Corp 1.13%CYS Investments Inc 1.07%Tivo Inc 1.06%Rite Aid Corp 1.04%AAR Corp 1.03%Percent of Assets in Top Holdings 11.48%




Fund -7.31% -3.29% 5.63% 23.37% 15.37% 7.97% 7.27%

Morningstar Cat* -6.75% -3.22% 5.66% 20.91% 14.18% 8.10% ---

Category Rank 67% 50% 50% 21% 31% 54%

* Morningstar Small Blend Average



96.58%

3.41%

0.01%

Equity

Cash

Other



JPMorgan US Small Company C

2009

33.73%

2010

25.91%

2011

-4.53%

2012

20.41%

2013

39.35%



TechnologyIndustrials

Consumer CyclicalFinancial Services

Health CareReal Estate

EnergyConsumer Defensive

Communication ServicesBasic Materials

Cash and EquivalentsUtilities

17.58%13.41%

12.66%12.23%

11.42%8.24%

5.27%4.98%

4.03%3.55%3.41%3.01%


Federated International Leaders C


Management Company

Federated

Federated World Investment Series Inc4000 Ericsson DriveWarrendale, PA 15086-7561800-341-7400

Ticker

Expense Ratio


Sub-Advisor

FGFCX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

10.63 Yr(s)

09/30/1998

International Equity

1,692.2 Million

56

Redemption Fees

1.99%

5.00%

n/a

$30.27

Investment PolicyThe investment seeks long-term capital growth. The fund invests primarily in a portfolio of equity securities issued by foreign companies that the adviser has deemed as undervalued relative to the company; the company's competitive position and/or its growth prospects. It invests primarily in foreign stocks in developed markets. The fund invests in companies from both developed (including the United States) and emerging market countries. It may invest in exchange-traded funds, derivative contracts and hybrid instruments in order to implement its investment strategies.

Asset ClassificationForeign Large Blend

Large

Medium

Small

Val GrwthBlnd


0K

4K

8K

12K

16K

20K

24K

04 05 06 07 08 09 10 11 12 13 14



Investment Risk




Holding Name Percent of TNATopix Indx Futr Sep14 9.05%Credit Suisse Group 3.52%BNP Paribas 2.82%UniCredit SpA 2.67%Kering 2.50%Daimler AG 2.47%Banco Santander SA 2.45%Imperial Tobacco Group PLC 2.34%CRH PLC 2.21%Bayerische Motoren Werke AG 2.19%Percent of Assets in Top Holdings 32.22%




Fund -6.60% -4.36% 2.16% 18.17% 9.13% 8.33% 8.72%

Morningstar Cat* -5.62% -2.01% 3.75% 13.05% 6.22% 6.25% ---

Category Rank 81% 85% 73% 3% 4% 13%

* Morningstar Foreign Large Blend Average



83.79%

16.21%

Equity

Cash



Federated International Leaders C

2009

48.41%

2010

17.72%

2011

-19.11%

2012

29.06%

2013

26.16%



Financial Services

Consumer Cyclical


Industrials

Basic Materials

Consumer Defensive

Technology

Real Estate

22.32%

16.38%

16.21%

13.21%

10.47%

7.62%

2.49%

2.26%


BlackRock Global SmallCap Inv C


Management Company

BlackRock

Blackrock Global Smallcap Fund, Inc.100 Bellevue ParkwayWilmington, MD 19809800-441-7762

Ticker

Expense Ratio


Sub-Advisor

MCGCX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

9.58 Yr(s)

10/21/1994


1,207.9 Million

201

Redemption Fees

2.22%

77.00%

n/a

$24.74

Investment PolicyThe investment seeks long-term growth of capital. The fund invests in a diversified portfolio primarily consisting of equity securities of small cap issuers in various foreign countries and in the United States. It invests at least 80% of its assets in equity securities of small cap issuers. Small cap issuers are those whose market capitalization is similar to the market capitalization of companies in the Morgan Stanley Capital International ("MSCI") All Country World Small Cap IndexSM.Asset Classification

World Stock

Large

Medium

Small

Val GrwthBlnd


0K

4K

8K

12K

16K

20K

24K

28K

04 05 06 07 08 09 10 11 12 13 14



Investment Risk




Holding Name Percent of TNAAfrica Oil Corp 1.26%NuVasive Inc 1.11%Aryzta AG 1.11%Edwards Lifesciences Corp 1.06%Teleflex Inc 1.02%HD Supply Holdings Inc 1.01%Rouse Properties Inc 1.00%SUPERVALU Inc 1.00%Merit Medical Systems Inc 0.98%Silver Bay Realty Trust Corp 0.98%Percent of Assets in Top Holdings 10.53%




Fund -8.10% -0.80% 9.17% 17.97% 10.59% 8.53% 9.00%

Morningstar Cat* -3.27% 2.26% 9.78% 16.68% 10.46% 7.45% ---

Category Rank 97% 84% 58% 34% 51% 30%

* Morningstar World Stock Average



94.51%

4.57%

0.92%

Equity

Cash

Other



BlackRock Global SmallCap Inv C

2009

33.63%

2010

17.35%

2011

-11.49%

2012

15.63%

2013

34.35%



IndustrialsTechnologyHealth Care

Consumer CyclicalBasic Materials

Financial ServicesReal Estate

EnergyConsumer Defensive

Cash and EquivalentsUtilities

Communication Services

14.65%12.12%12.12%

11.63%9.96%

8.93%8.40%

6.85%5.43%

4.70%2.38%

0.81%


Columbia Emerging Markets C


Management Company

Columbia

Columbia Funds Series Trust IOne Financial CenterBoston, MA 02111800-345-6611

Ticker

Expense Ratio


Sub-Advisor

EEMCX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

6.38 Yr(s)

09/27/2007


1,562.6 Million

155

Redemption Fees

2.53%

81.00%

n/a

$9.93

Investment PolicyThe investment seeks long-term capital appreciation. The fund invests at least 80% of its net assets (including the amount of any borrowings for investment purposes) in equity securities (including, but not limited to, common stocks, preferred stocks and securities convertible into common or preferred stocks) of companies located in emerging market countries. Emerging market countries include those countries whose economies are considered to be developing or emerging from underdevelopment.

Asset ClassificationDiversified Emerging

Large

Medium

Small

Val GrwthBlnd


0K

2K

4K

6K

8K

10K

12K

07 08 09 10 11 12 13 14



Investment Risk




Holding Name Percent of TNASamsung Electronics Co Ltd 2.74%Tencent Holdings Ltd. 2.20%Itau Unibanco Holding SA ADR 2.18%Naspers Ltd Class N 1.90%Petroleo Brasileiro SA Petrobras 1.84%ICICI Bank Ltd ADR 1.62%Metropolitan Bank & Trust Company 1.35%Hyundai Motor Co 1.29%Grupo Financiero Banorte SAB de CV Class O 1.29%Taiwan Semiconductor Manufacturing Co Ltd 1.24%Percent of Assets in Top Holdings 17.65%




Fund -4.24% 0.30% 4.75% 8.06% 4.43% 8.30% -1.58%

Morningstar Cat* -3.47% 2.08% 4.81% 7.92% 4.28% 9.83% ---

Category Rank 68% 69% 44% 45% 44% 87%

* Morningstar Diversified Emerging Mkts Average



96.28%

2.64%

1.09%

Equity

Other

Cash



Columbia Emerging Markets C

2009

74.83%

2010

18.98%

2011

-19.82%

2012

23.02%

2013

-2.46%



TechnologyFinancial ServicesConsumer Cyclical

Basic MaterialsConsumer Defensive

Health CareIndustrials

EnergyUtilities

Communication ServicesCorporate Bond


23.34%21.95%

15.29%8.69%8.59%

5.60%3.63%3.36%3.05%2.78%

2.10%1.09%


JPMorgan SmartRetirement® Income C


Management Company

JPMorgan


Ticker

Expense Ratio


Sub-Advisor

JSRCX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

6.73 Yr(s)

05/15/2006

Allocation

1,779.8 Million

27

Redemption Fees

1.46%

11.00%

n/a

$17.40

Investment PolicyThe investment seeks current income and some capital appreciation. The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors who are retired or about to retire soon. It is designed to provide exposure to a variety of asset classes through investments in underlying funds, with an emphasis on fixed income funds over equity funds and other funds.

Asset ClassificationRetirement Income

Large

Medium

Small

Val GrwthBlnd


0K2K4K6K8K

10K12K14K16K

06 07 08 09 10 11 12 13 14



Investment Risk




Holding Name Percent of TNAJPMorgan Core Bond R6 29.63%JPMorgan Disciplined Equity R6 11.22%JPMorgan High Yield R6 5.73%JPMorgan Inflation Managed Bond R6 4.79%JPMorgan Corporate Bond R6 4.06%JPMorgan Floating Rate Income R6 3.66%JPMorgan Emerging Markets Debt R6 2.99%JPMorgan Value Advantage Instl 2.85%JPMorgan Growth Advantage R5 2.82%JPMorgan Realty Income R5 2.49%Percent of Assets in Top Holdings 70.24%




Fund -1.21% 2.66% 5.79% 7.83% 6.41% n/a 4.60%

Morningstar Cat* -1.17% 3.06% 5.90% 7.87% 6.89% 4.53% ---

Category Rank 56% 74% 53% 46% 61% n/a

* Morningstar Retirement Income Average



48.16%

35.12%

16.00%

0.73%

Fixed

Equity

Cash

Other



JPMorgan SmartRetirement® Income C

2009

20.50%

2010

10.33%

2011

0.26%

2012

9.35%

2013

6.88%



Cash and EquivalentsCorporate Bond

GovernmentAgency Mtg Backed

Financial ServicesTechnology

Consumer CyclicalHealth Care

IndustrialsReal Estate

EnergyBank Loan

Asset BackedNon-Agency Res Mtg Bk

Basic Materials

16.00%14.87%

12.45%10.62%

5.60%4.93%4.77%

3.95%3.28%3.21%3.13%3.01%

2.55%2.35%2.29%


JPMorgan SmartRetirement® 2015 C


Management Company

JPMorgan


Ticker

Expense Ratio


Sub-Advisor

JSFCX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

6.73 Yr(s)

05/15/2006

Allocation

2,175.8 Million

27

Redemption Fees

1.52%

10.00%

n/a

$17.49

Investment PolicyThe investment seeks total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2015 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund's asset allocation strategy will change.

Asset ClassificationTarget Date 2011-2015

Large

Medium

Small

Val GrwthBlnd


0K2K4K6K8K

10K12K14K16K

06 07 08 09 10 11 12 13 14



Investment Risk




Holding Name Percent of TNAJPMorgan Core Bond R6 29.97%JPMorgan Disciplined Equity R6 11.53%JPMorgan High Yield R6 5.35%JPMorgan Corporate Bond R6 4.15%JPMorgan Inflation Managed Bond R6 3.69%JPMorgan Growth Advantage R5 3.61%JPMorgan Value Advantage Instl 3.24%JPMorgan Intrepid America R5 3.14%JPMorgan International Equity R6 3.11%JPMorgan Intl Opp R6 3.04%Percent of Assets in Top Holdings 70.83%




Fund -1.24% 2.91% 6.86% 10.14% 7.90% n/a 4.82%

Morningstar Cat* -1.40% 3.26% 6.88% 9.77% 7.81% 5.44% ---

Category Rank 41% 67% 58% 50% 51% n/a

* Morningstar Target Date 2011-2015 Average



46.13%

41.15%

12.03%

0.70%

Fixed

Equity

Cash

Other




2009

25.77%

2010

12.80%

2011

-0.68%

2012

11.72%

2013

9.48%



Corporate BondCash and Equivalents





EnergyAsset Backed

Bank LoanNon-Agency Res Mtg Bk

Consumer Defensive

14.29%12.03%12.03%

10.46%6.67%

5.95%5.66%

4.65%3.92%3.91%

3.42%2.51%2.36%2.36%2.34%




Management Company

JPMorgan


Ticker

Expense Ratio


Sub-Advisor

JTTCX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

6.73 Yr(s)

05/15/2006

Allocation

4,653.6 Million

27

Redemption Fees

1.56%

9.00%

n/a

$18.27

Investment PolicyThe investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2020 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund's asset allocation strategy will change.


Large

Medium

Small

Val GrwthBlnd


0K2K4K6K8K

10K12K14K16K

06 07 08 09 10 11 12 13 14



Investment Risk




Holding Name Percent of TNAJPMorgan Core Bond R6 28.39%JPMorgan Disciplined Equity R6 11.77%JPMorgan High Yield R6 4.78%JPMorgan Growth Advantage R5 4.49%JPMorgan Intrepid America R5 4.49%JPMorgan US Equity R6 4.34%JPMorgan Value Advantage Instl 4.28%JPMorgan International Equity R6 4.26%JPMorgan Realty Income R5 4.20%JPMorgan Intl Opp R6 4.08%Percent of Assets in Top Holdings 75.08%




Fund -1.32% 3.36% 8.22% 12.28% 9.09% n/a 5.27%

Morningstar Cat* -1.55% 3.30% 7.54% 10.86% 8.40% 5.47% ---

Category Rank 31% 44% 41% 32% 35% n/a




53.03%

39.14%

7.21%

0.62%

Equity

Fixed

Cash

Other




2009

28.26%

2010

13.92%

2011

-1.67%

2012

13.63%

2013

12.71%



Corporate BondGovernment

Agency Mtg BackedFinancial Services

TechnologyConsumer Cyclical

Cash and EquivalentsHealth CareReal Estate

IndustrialsEnergy


Asset BackedNon-Agency Res Mtg Bk

12.55%10.34%

9.30%8.76%

7.69%7.31%7.21%

5.95%5.36%5.12%

4.16%3.03%2.68%

2.22%2.19%




Management Company

JPMorgan


Ticker

Expense Ratio


Sub-Advisor

JNSCX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

6.13 Yr(s)

07/31/2007

Allocation

3,752.6 Million

22

Redemption Fees

1.60%

7.00%

n/a

$17.66



Large

Medium

Small

Val GrwthBlnd


0K

2K

4K

6K

8K

10K

12K

14K

07 08 09 10 11 12 13 14



Investment Risk




Holding Name Percent of TNAJPMorgan Core Bond R6 22.20%JPMorgan Disciplined Equity R6 13.40%JPMorgan Growth Advantage R5 5.46%JPMorgan Intrepid America R5 5.27%JPMorgan Value Advantage Instl 5.17%JPMorgan US Equity R6 4.93%JPMorgan Realty Income R5 4.76%JPMorgan International Equity R6 4.61%JPMorgan Intl Opp R6 4.57%JPMorgan High Yield R6 4.33%Percent of Assets in Top Holdings 74.70%




Fund -1.41% 3.43% 9.28% 14.20% 9.91% n/a 4.72%

Morningstar Cat* -1.73% 3.45% 8.68% 13.09% 9.63% 6.37% ---

Category Rank 28% 54% 36% 30% 35% n/a




62.03%

30.46%

6.97%

0.54%

Equity

Fixed

Cash

Other




2009

30.23%

2010

14.70%

2011

-3.24%

2012

15.02%

2013

16.07%



Financial ServicesCorporate Bond

TechnologyConsumer Cyclical


Cash and EquivalentsHealth CareReal Estate

IndustrialsEnergy


Communication ServicesNon-Agency Res Mtg Bk

10.34%10.20%

9.03%8.63%8.42%

7.06%6.97%6.93%

6.13%6.00%

4.84%3.53%

3.09%2.00%1.70%




Management Company

JPMorgan


Ticker

Expense Ratio


Sub-Advisor

JSMCX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

6.73 Yr(s)

05/15/2006

Allocation

4,487.2 Million

22

Redemption Fees

1.63%

10.00%

n/a

$18.93



Large

Medium

Small

Val GrwthBlnd


0K2K4K6K8K

10K12K14K16K18K

06 07 08 09 10 11 12 13 14



Investment Risk




Holding Name Percent of TNAJPMorgan Core Bond R6 15.30%JPMorgan Disciplined Equity R6 13.70%JPMorgan Growth Advantage R5 6.44%JPMorgan Intrepid America R5 6.28%JPMorgan Value Advantage Instl 6.23%JPMorgan US Equity R6 5.83%JPMorgan International Equity R6 5.49%JPMorgan Intl Opp R6 5.47%JPMorgan Realty Income R5 5.12%JPMorgan High Yield R6 4.18%Percent of Assets in Top Holdings 74.04%




Fund -1.48% 3.46% 10.18% 15.72% 10.51% n/a 5.65%

Morningstar Cat* -1.90% 3.34% 9.02% 13.65% 9.69% 5.98% ---

Category Rank 27% 49% 29% 23% 31% n/a




69.68%

23.22%

6.57%

0.52%

Equity

Fixed

Cash

Other




2009

31.73%

2010

15.59%

2011

-4.86%

2012

16.11%

2013

18.89%




Consumer CyclicalCorporate Bond

Health CareIndustrials

GovernmentReal Estate

Cash and EquivalentsEnergy

Agency Mtg BackedConsumer Defensive

Basic MaterialsCommunication Services

Utilities

11.67%10.19%

9.75%8.30%

7.82%6.75%6.74%6.67%6.57%

5.42%4.87%

3.97%3.51%

2.23%1.68%




Management Company

JPMorgan


Ticker

Expense Ratio


Sub-Advisor

SRJCX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

6.13 Yr(s)

07/31/2007

Allocation

2,846.3 Million

22

Redemption Fees

1.65%

8.00%

n/a

$18.13



Large

Medium

Small

Val GrwthBlnd


0K

2K

4K

6K

8K

10K

12K

14K

07 08 09 10 11 12 13 14



Investment Risk




Holding Name Percent of TNAJPMorgan Disciplined Equity R6 15.17%JPMorgan Core Bond R6 9.61%JPMorgan Growth Advantage R5 7.20%JPMorgan Value Advantage Instl 6.97%JPMorgan Intrepid America R5 6.58%JPMorgan US Equity R6 6.43%JPMorgan International Equity R6 5.92%JPMorgan Intl Opp R6 5.88%JPMorgan Realty Income R5 5.57%JPMorgan Intrepid International Inst 5.08%Percent of Assets in Top Holdings 74.41%




Fund -1.64% 3.37% 10.77% 16.97% 11.01% n/a 4.92%

Morningstar Cat* -2.05% 3.36% 9.89% 15.52% 10.69% 6.66% ---

Category Rank 32% 56% 34% 22% 33% n/a




76.83%

17.01%

5.66%

0.51%

Equity

Fixed

Cash

Other




2009

32.84%

2010

15.70%

2011

-5.55%

2012

17.17%

2013

21.11%






Corporate BondEnergy

Cash and EquivalentsGovernment


Agency Mtg BackedCommunication Services

Utilities

12.95%11.19%

10.74%8.60%

7.43%7.30%

6.77%5.99%5.66%

5.07%4.38%

3.89%3.06%

2.48%1.86%




Management Company

JPMorgan


Ticker

Expense Ratio


Sub-Advisor

SMTCX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

6.73 Yr(s)

05/15/2006

Allocation

3,177.9 Million

22

Redemption Fees

1.66%

9.00%

n/a

$19.39



Large

Medium

Small

Val GrwthBlnd


0K2K4K6K8K

10K12K14K16K18K

06 07 08 09 10 11 12 13 14



Investment Risk




Holding Name Percent of TNAJPMorgan Disciplined Equity R6 15.12%JPMorgan Intrepid America R5 7.39%JPMorgan Value Advantage Instl 7.33%JPMorgan Growth Advantage R5 7.26%JPMorgan US Equity R6 7.04%JPMorgan International Equity R6 6.51%JPMorgan Intl Opp R6 6.28%JPMorgan Core Bond R6 6.07%JPMorgan Realty Income R5 5.88%JPMorgan Intrepid International Inst 5.08%Percent of Assets in Top Holdings 73.96%




Fund -1.75% 3.42% 11.00% 17.31% 11.19% n/a 5.95%

Morningstar Cat* -2.14% 3.34% 9.90% 15.37% 10.45% 6.26% ---

Category Rank 37% 53% 36% 25% 33% n/a




80.58%

12.95%

5.97%

0.50%

Equity

Fixed

Cash

Other




2009

32.59%

2010

15.87%

2011

-5.68%

2012

17.22%

2013

21.97%






EnergyCash and Equivalents

Corporate BondConsumer Defensive

Basic MaterialsGovernment


Agency Mtg Backed

13.59%11.71%

11.22%9.00%

7.80%7.70%

6.28%5.97%5.64%

4.63%4.10%4.03%

2.60%1.95%1.93%




Management Company

JPMorgan


Ticker

Expense Ratio


Sub-Advisor

JSACX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

6.13 Yr(s)

07/31/2007

Allocation

1,624.2 Million

22

Redemption Fees

1.65%

8.00%

n/a

$18.41



Large

Medium

Small

Val GrwthBlnd


0K2K4K6K8K

10K12K14K16K

07 08 09 10 11 12 13 14



Investment Risk




Holding Name Percent of TNAJPMorgan Disciplined Equity R6 15.08%JPMorgan Intrepid America R5 7.36%JPMorgan US Equity R6 7.24%JPMorgan Growth Advantage R5 7.16%JPMorgan Value Advantage Instl 7.09%JPMorgan Core Bond R6 6.25%JPMorgan International Equity R6 6.14%JPMorgan Intl Opp R6 6.05%JPMorgan Realty Income R5 5.85%JPMorgan Intrepid International Inst 5.82%Percent of Assets in Top Holdings 74.04%




Fund -1.76% 3.36% 10.96% 17.30% 11.15% n/a 5.21%

Morningstar Cat* -2.19% 3.35% 10.43% 16.85% 11.10% 7.56% ---

Category Rank 33% 53% 43% 38% 48% n/a




80.36%

13.04%

6.11%

0.49%

Equity

Fixed

Cash

Other




2009

32.95%

2010

15.63%

2011

-5.60%

2012

17.30%

2013

21.96%






EnergyCash and Equivalents



Communication ServicesAgency Mtg Backed

Utilities

13.54%11.68%

11.17%9.01%

7.79%7.65%

6.27%6.11%

5.60%4.62%

4.08%4.06%

2.60%1.99%1.93%




Management Company

JPMorgan


Ticker

Expense Ratio


Sub-Advisor

JTSCX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

6.13 Yr(s)

07/31/2007

Allocation

1,281.5 Million

22

Redemption Fees

1.65%

8.00%

n/a

$18.35



Large

Medium

Small

Val GrwthBlnd


0K2K4K6K8K

10K12K14K16K

07 08 09 10 11 12 13 14



Investment Risk




Holding Name Percent of TNAJPMorgan Disciplined Equity R6 15.39%JPMorgan Intrepid America R5 7.34%JPMorgan Growth Advantage R5 7.17%JPMorgan US Equity R6 6.91%JPMorgan Value Advantage Instl 6.87%JPMorgan International Equity R6 6.21%JPMorgan Intl Opp R6 6.00%JPMorgan Intrepid International Inst 5.90%JPMorgan Realty Income R5 5.89%JPMorgan Core Bond R6 5.81%Percent of Assets in Top Holdings 73.49%




Fund -1.76% 3.33% 10.90% 17.27% 11.20% n/a 5.23%

Morningstar Cat* -2.21% 3.41% 10.25% 15.95% 10.68% 6.66% ---

Category Rank 32% 61% 47% 38% 47% n/a




80.44%

12.64%

6.42%

0.49%

Equity

Fixed

Cash

Other




2009

32.76%

2010

16.05%

2011

-5.65%

2012

17.30%

2013

21.90%






Cash and EquivalentsEnergy




Agency Mtg Backed

13.54%11.67%

11.19%8.99%

7.81%7.71%

6.42%6.27%

5.57%4.63%

4.09%3.92%

2.61%1.93%1.85%




Management Company

JPMorgan


Ticker

Expense Ratio


Sub-Advisor

JFFCX

None

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

2.67 Yr(s)

01/31/2012

Allocation

158.7 Million

22

Redemption Fees

1.68%

49.00%

n/a

$20.20


Asset ClassificationTarget Date 2051+

Large

Medium

Small

Val GrwthBlnd


0K

2K

4K

6K

8K

10K

12K

14K

12 13 14



Investment Risk



Holding Name Percent of TNAJPMorgan Disciplined Equity R6 14.49%JPMorgan Intrepid America R5 7.56%JPMorgan Growth Advantage R5 7.37%JPMorgan Value Advantage Instl 7.17%JPMorgan US Equity R6 7.16%JPMorgan International Equity R6 6.14%JPMorgan Intrepid International Inst 6.12%JPMorgan Intl Opp R6 6.09%JPMorgan Realty Income R5 5.97%JPMorgan Core Bond R6 5.84%Percent of Assets in Top Holdings 73.91%




Fund -1.83% 3.44% 10.99% n/a n/a n/a 13.35%

Morningstar Cat* -2.18% 3.34% 10.79% 17.21% 10.73% n/a ---

Category Rank 39% 48% 53% n/a n/a n/a

* Morningstar Target Date 2051+ Average



80.50%

12.73%

6.28%

0.50%

Equity

Fixed

Cash

Other




2013

21.93%




Consumer CyclicalHealth CareReal Estate

IndustrialsEnergy

Cash and EquivalentsCorporate Bond


GovernmentCommunication Services

Agency Mtg BackedUtilities

13.59%11.48%11.42%

8.77%7.79%7.70%

6.34%6.28%

5.51%4.83%

4.04%4.03%

2.69%1.86%1.84%


Mutual Fund Detail ReportDisclosure Statement

This fund fact sheet is provided by Matrix Settlement and Clearing Services, LLC (MSCS) and its affiliate MSCS Financial Services (MSCSFS) member FINRA.Securities services may be offered through MSCSFS, a wholly-owned subsidiary of MSCS. This fund fact sheet is for informational and research purposes onlyand we do not guarantee the accuracy, timeliness or completeness of the information provided. Data is based on information collected from the investmentcompany, it is updated as of the date shown in the section’s title, and will vary over time.

The total return information does not reflect the deduction of the Sales Load that may apply if the Fund shares were purchased outside of the Plan and, if theSales Load were reflected, performance would be lower.

A market index is an unmanaged portfolio of securities such as stocks and bonds. An index is often used as a comparative benchmark for managed portfoliossuch as mutual funds. These indices are presented to help you evaluate the performance of the broad market, which they represent, and provide you with anunderstanding of that market’s historic long-term performance, and a broad indication of price movement. Individual investors cannot invest directly in an index.Past performance is not indicative of future results.

© 2013 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

The Morningstar Style Box reveals a Fund’s investment style as of the date noted on this report. For equity funds the vertical axis shows the market capitalization of the stocks owned and the horizontal axis shows investment style (value, blend, or growth).

Morningstar Risk evaluates a mutual fund’s downside volatility relative to that of other funds in its Morningstar Category. It is an assessment of the variations in a fund’s monthly returns, with an emphasis on downside variations, in comparison with the mutual funds in its Morningstar Category. In each Morningstar Category, the 10% of funds with the lowest measured risk are described as Low Risk (LOW), the next 22.5% Below Average (-AVG), the middle 35% Average (AVG), the next 22.5% Above Average (+AVG), and the top 10% High (HIGH). Morningstar Risk is measured for up to three time periods (three-, five-, and 10 years). These separate measures are then weighted and averaged to produce an overall measure for the mutual fund. Funds with less than three years of performance history are not rated.

Style Analysis Risk

Investment Performance Summary

Investment Name Performance As of Date

Year to Date 3 Month 1 Year 3 Year 5 Year 10 Year

Since Inception

Fund Return

Gross Expense

Ratio

Net Expense

Ratio

BlackRock Ready Assets Prime Money 10/31/2014 0.00% 0.00% 0.00% 0.00% 0.00% 1.47% 5.23% 0.70% 0.70%

JPMorgan Core Plus Bond C 10/31/2014 5.00% 1.17% 4.40% 3.76% 5.23% 4.60% 5.30% 1.45% 1.40%

AllianceBern High Income C 10/31/2014 4.34% -0.38% 4.87% 8.92% 9.52% 9.07% 10.32% 1.60% 1.60%

Columbia Limited Duration Credit C 10/31/2014 1.07% -0.30% 1.17% 2.01% 2.90% 2.83% 2.62% 1.62% 1.58%

JPMorgan US Equity C 10/31/2014 10.18% 4.93% 17.22% 19.53% 15.69% 8.60% 6.89% 1.56% 1.47%

JPMorgan US Small Company C 10/31/2014 3.35% 5.36% 8.60% 20.36% 18.45% 8.50% 8.20% 1.94% 1.77%

Federated International Leaders C 10/31/2014 -5.12% -3.69% -2.35% 12.83% 9.54% 7.98% 8.62% 2.27% 1.99%

BlackRock Global SmallCap Inv C 10/31/2014 -0.28% -3.68% 4.57% 13.96% 11.89% 8.39% 8.99% 2.16% 2.16%

Columbia Emerging Markets C 10/31/2014 1.62% -2.71% 1.11% 4.37% 5.06% 8.12% -1.38% 2.57% 2.53%

JPMorgan SmartRetirement® Income C 10/31/2014 4.07% 1.13% 5.24% 6.49% 6.78% NA 4.72% 1.62% 1.43%

JPMorgan SmartRetirement® 2015 C 10/31/2014 4.56% 1.36% 6.16% 8.21% 8.49% NA 4.97% 1.65% 1.52%








JPMorgan SmartRetirement® 2055 C 10/31/2014 6.05% 2.34% 9.84% NA NA NA 13.94% 2.04% 1.68%

For more information about any investment option available in your Retirement Plan, please request a prospectus. A prospectus contains more information regarding risks, fees, and expenses. You should read and consider information in a prospectus carefully before investing. Investment returns will fluctuate, cannot be guaranteed and do not predict the future performance of any investment.

© 2013 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

A S S E T A L L O C A T I O N Q U E S T I O N N A I R E

Successful investors adhere to a disciplined investing process. To determine which investment process is appropriate for you and your retirement plan assets, answer the following questions regarding your time horizon, risk tolerance, and investment objectives. The result will lead you to an asset allocation strategy that may be appropriate for your particular financial needs objectives.

Diversification through asset allocation attempts to balance the level of risk with which you are comfortable and the level of return you like to receive. * Diversification does not guarantee against a loss, and there is no guarantee that a diversified portfolio will outperform a non-diversified portfolio.

1. When do you expect to begin withdrawing money from your investment account?

2. Once you begin withdrawing money from you investment account, how long do you expect the withdrawals to last?

3. Historically, investors who have received high level long-term average returns have experienced greater fluctuations in their account values than investors in more conservative investments. Considering the above, which statement best describes your investment objectives?

4. Suppose you owned a well-diversified portfolio that declined 20% in a short period of time in a volatile market environment. Assuming you still have 10 years until you begin taking withdrawals, what, if any, action would you take?

5. How do you feel about this statement – I am comfortable with the investments that may frequently experience large declines in value if there is a potential for higher returns?

Aggressive GrowthScore between

55-62

Equities 90%Fixed Income 10%

Stable/Money Market 0%











GrowthScore between

43-54

Moderate GrowthScore between

29-42

Conservative GrowthScore between

17-28

IncomeScore between

7-16

Conservative IncomeScore between

0-6

a. Less than 1 year b. 1 to 2 years c. 3 to 4 years

d. 5 to 7 years e. 8 to 10 years f. 11 years or more

a. I plan to take a lump sum distribution b. 1 to 4 years c. 5 to 7 years

d. 8 to 10 years e. 11 years or more

a. Protect the value of my account b. Keep risk to a minimum

c. Balance risk and return d. Maximize long-term investment returns

a. I would not change my portfolio b. I would wait at least a year

c. I would wait at least three months d. I would make a change immediately

a. Agree b. Disagree

c. Strongly disagree Total Score: ___________

a. b. c. d.e.f.

0137911

1.

2.

3.

4.

5.

a. b. c. d.e.

02456

a. b. c. d.

051015

a. b. c. d.

151050

a. b. c.

1580

Score(please circle one)

(please circle one)

(please circle one)

(please circle one)

(please circle one)

Virginia Intl. Univ. 401(k) Plan (950)

BENEFICIARY DESIGNATION FORM

I hereby designate the following individual(s) as my primary and contingent beneficiaries in the event of my death prior to the date on

which my benefits commence to be paid under the Plan. I understand that, by law, if I am married I must name my spouse as my sole

primary beneficiary unless I obtain notarized spousal consent.

If a designated primary beneficiary dies prior to the owner, that primary beneficiary's share will be divided equally among the

surviving beneficiaries. If no primary beneficiary(ies) survives the participant, benefits will be paid to the contingent

beneficiary(ies).

Name: SSN:

Initial here if you would like to designate any additional beneficiaries that do not fit within the spaces provided above.

Please write the information on a separate sheet of paper. Sign and date the page, and staple it to this form.

I revoke all previous designations and direct that this account be distributed upon my death to the designated beneficiary(ies) above. I

understand that if I become married in the future, 100% of my account balance will be paid at the time of my death to my surviving

spouse unless I file a new beneficiary designation with the required spousal consent.

Participant Signature Date

Subject to the spousal consent requirements, I understand that I may revoke or change this designation at any time by filing a new

designation of beneficiary in writing with the Employer, and that by doing so, I revoke all prior designations.

SPOUSAL CONSENT: (complete only if married and primary beneficiary is not spouse)

By signing this spousal consent, I verify that I am the spouse of the participant whose name appears on this form. I understand that my

spouse has chosen to name someone other than me as the sole primary beneficiary under this plan and that this designation is not valid

without my irrevocable consent. I hereby irrevocably consent to the beneficiary designation on this form. I further acknowledge that my

consent is irrevocable unless my spouse revokes this designation. I acknowledge that I had the opportunity to consult my attorney or

other professional concerning this waiver, if I had so desired.

Spouse Name (Print Name) Spouse Signature Date

The Foregoing Spousal Consent was subscribed and sworn before me on :

Date

Notary Public Name Notary Signature State/County

Name: SSN:Date of Birth: / /

Address: Relationship: Percentage of Benefit: %



Primary Beneficiary(ies):

Contingent Beneficiary(ies):





Page 1 of 2

Virginia Intl. Univ. 401(k) Plan (950)

ENROLLMENT FORM

Participant Information

I understand that I must return a beneficiary designation form and complete the investment direction section below, whether I elect to

make salary deferrals or not.

Name: SSN:

Address: City: State: Zip:

Date of Birth: / / Date of Hire: / /

Salary Deferral Contribution Election

I have received the Summary Plan Description and I understand the general requirements of the Plan. I further understand that this

election will automatically apply to all future salary adjustments unless I change the election. I understand that the Employer retains

the right to amend or revoke my election to limit or reduce any contributions where necessary to comply with applicable law.

q I elect to contribute _______% of my pay or $_______ as a Salary Deferral Contribution (pre-tax) each pay period.

q I elect to contribute _______% of my pay or $_______ as a Roth Contribution (after-tax) each pay period.

q I elect to contribute _______% of my pay or $_______ as a Catch-Up Deferral Contribution (pre-tax) each pay period.

q I elect to contribute _______% of my pay or $_______ as a Roth Catch-Up Deferral Contribution (after-tax) each pay period.

q I do NOT elect to have Employee Elective Contributions made on my behalf to the Plan. This election will not prohibit any

future election on my part to have Employee Elective Contributions made to the Plan.

BlackRock Rdy Assets Prm Money % JPMorgan Core Plus Bond C %

AllianceBern High Income C % Columbia Limited Duration Credit C %

JPMorgan US Equity C % JPMorgan US Small Company C %

Federated International Leaders C % BlackRock Global SmallCap Inv C %

Columbia Emerging Markets C % JPMorgan SmartRetire Incm C %

JPMorgan SmartRetire 2015 C % JPMorgan SmartRetire 2020 C %




JPMorgan SmartRetire 2055 C %

Investment Direction

I understand that this investment direction shall remain in force until changed and that I have the right to change the percentages

indicated at my discretion. Any contributions to your account (payroll deferrals, employer contributions, or rollovers) made before your

employer updates your investment selections for your account will be invested in the plan's default fund. Assets will remain in the

default fund until you use the participant website to exchange assets into the funds of your choice.

Invest all future contributions as shown below: (must total 100%, whole %'s only)

By signing below I acknowledge that I authorized my employer to withhold from my wages the amount specified in the Salary Deferral

Contribution Election section. I have received a copy of the Summary Plan Description and I completed a Designation of Beneficiary

form.

_______________________________________________________________________________________________________

Participant Signature Date

_______________________________________________________________________________________________________

Plan Administrator Signature Date

Page 2 of 2

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