Conservative Designed for investors who are seeking current income while providing nominal capital appreciation for investors with a low tolerance for risk. Global Equity 15% US Large Cap 10% Int'l Developed 5% Global Bonds 80% Multisector 10% Int'l Bonds 10% Inv Grade Bonds 15% TIPS 10% Short Term Bond 10% Money Market 5% High Yield 20% Real Assets 5% Natural Resources 2% Real Estate 3% Index Designed for investors who are seeking a variety of asset classes’ index returns while paying low expense ratios to get those returns. Global Equity 61% US Large Cap 6% US Mid Cap 10% US Small Cap 16% Int'l Developed 6% Emerging Markets 4% Specialty 19% Global Bonds 18% US 6% Short Term 4% Total Market 8% Real Assets 21% Commodities 8% Hard Assets 6% Real Estate 5% Cash 2% Model Portfolios These are sample portfolios and may not reflect current or future allocations. Please refer to current proposal before investing.1