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Important Disclosure information

Limitations on Availability of Services and Products
Products and services are offered as per an Employee Benefit Plan Trust Agreement, Agency Agreement or Custody Agreement between your employer (the "Company") and the Plan Provider (the "Provider"). The Company has adopted the Plan for the exclusive benefit of certain of its employees and their beneficiaries. Please contact your employer to refer to your Company's Plan Document, Summary Plan Description and Trust, and/or Agency or Custody Agreement for more information.

In case of any inconsistency between information on the Website and the provisions in the Plan, the terms of the Plan shall control.

Non-Deposit Investment Products
Mutual funds and securities products are not bank deposits and are not insured or guaranteed by the FDIC, the Federal Reserve Board, or any other government agency. Mutual funds and securities products are subject to investment risks, including possible loss of the principal invested.

Investment Performance/Rates of Returns
Other than inception to date Fund rates of returns, returns do not reflect sales charges or loads and assume the reinvestment of dividends and capital gains. All funds listed permit participants to invest on a no-load basis. Investment return and principal value will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Performance quoted is past performance and is not indicative of future results.

This information is taken from sources believed to be reliable, but it is not guaranteed as to completeness or accuracy. Although we endeavor to maintain the accuracy of the information, we cannot be held responsible for errors or omissions. Read the investment prospectus before investing in mutual funds.

Calculators and Financial Planning Tools
Calculators and Financial Planning Tools are provided for informational and illustrative purposes only and are not intended to provide specific legal, accounting, financial or tax advice for any person and should not be relied upon in that manner. Also, results are not meant to be indicative of the future return or amount received investment.

Results obtained through the use of the Financial Planning Tools are not intended to be investment advice; the Plan Provider, Employer and Plan Administrator do not present such information as fiduciaries.

Loan Modeling Calculator
The Loan Modeling Tool may be used to determine the loan repayment associated with a loan request. After such request, the Loan is subject to the Terms and Conditions of the Loan Agreement, Note and Pledge.

The results of the loan modeling tool are subject to change and may not be relied upon in all cases to be in final form.

Tax and Legal Advice
The Provider does not provide tax or legal advice. Please consult your tax and/or legal advisor for such guidance.

Market Conditions and System Availability
Market conditions and system availability may delay or effect execution of trades. The Provider may impose, when reasonably necessary, blackout periods on the availability of the Website.

Website and Information
This website and information provided in it is not an offer to sell or a solicitation of an offer to buy any security, nor shall any such security be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase or sale may not lawfully be made.

The Provider shall be authorized to rely conclusively on all transaction instructions given it though the Website by participants or designated representatives of the Plan Administrator.

Errors and Omissions
Because of the possibility of human and mechanical errors as well as other factors, the Provider is not responsible for any errors or omissions in the information contained in or accessed through the Internet unless there has been a final adjudication of neglect, breach of any duties, responsibilities or obligations, willful misconduct, lack of good faith or failure to act in a prudent manner by the Provider. Any person using the services provided via the Internet hereby waives any claim against the Provider for any damages, including without limitation, direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with its Website or use thereof or inability to use of any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, malicious code or line or system failure, even if the Provider or its representatives are advised of the possibility of such damages, losses or expenses, unless there has been a final adjudication of neglect, breach of any duties, responsibilities or obligations arising under this agreement, willful misconduct, lack of good faith or failure to act in a prudent manner by the Provider.

Pension Systems Corporation Privacy Pledge

At Pension Systems Corporation the interests of our clients always come first. As part of our firm's long tradition of trust, the confidentiality of client information has been and will continue to be paramount. We maintain high standards to safeguard your personal financial information at all times, and we will remain vigilant in protecting that information. We collect personal financial information to operate prudently and to meet legal and regulatory requirements. We never rent or sell your name or other personal financial information. We will only share certain information with companies not in our corporate family ("nonaffiliated third parties") as permitted by law for the purpose of servicing your financial needs. The recipients of that information are required to protect the confidentiality and security of that information and may not reuse it for any other purpose.

Information we request from you is designed to help us serve your needs. Pension Systems Corporation does not provide any personally identifying information submitted to us (via e-mail or any other means) to any third party. You can help us maintain the accuracy of your information by notifying us if there are any changes in your company's address, contact personnel, company phone number, e-mail address, etc.


1. How does PSC protect the confidentiality and security of your information?

People:  We restrict access to your personal financial information to personnel who need that information to provide you with our systems and services. Our employee communications also reinforce our privacy policies.

Policies and Procedures:  We maintain and monitor our physical, electronic and procedural safeguards, updating them as needed so that we may guard your personal information.

Security:  We use leading security and encryption methods to help us identify and prevent data breaches and unauthorized disclosure of your personal financial information.

2. What information do we collect from and about you?
Depending on the nature of your relationship with us, we must obtain certain information to meet legal and regulatory requirements. In all cases, we collect only personal financial information that is either required or necessary to provide personalized financial services to you. We obtain information about you from application and other forms, such as name, address, Social Security number, telephone number and income. We collect information about your financial transactions, such as securities bought and sold, Visa and checking transactions, and fund transfers, with companies in our corporate family ("affiliates"). We may obtain information about you from third parties, such as a consumer report from a consumer reporting agency. We may verify income, identity or asset information about you.

3. What information do we disclose to affiliates about you?
We may disclose some or all of your personal information to our corporate affiliates, including transfer agents, banks, insurance companies and agencies, trust companies, mortgage bankers, securities broker-dealers; and investment advisers. We do this in order to offer you a broad range of systems and services and to comply with applicable regulations.

4. What information do we disclose to nonaffiliated third parties about you?
Pension Systems Corporation will, as necessary, use various services from nonaffiliated third parties. We use these external service providers for the purpose of supporting the financial systems and services we provide to you. For example, we provide information to external service providers so that your account statements can be printed and mailed. These parties must agree to comply with stringent security and privacy policies and procedures. We may also disclose information to government agencies and regulatory organizations when permitted or required by law.

5. What information do we disclose about former clients and to whom?
We may disclose some or all of a former client's personal information to government agencies and self-regulatory organizations when permitted or required by law, such as when required to file abandoned property reports and to comply with subpoenas and other official governmental requests. If a former client had a loan with us, we may report the performance of that loan to consumer reporting agencies.