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Level Two: Manager Fact Sheet

Used in the Directed Account Plan Tier I – Target Retirement Funds

12/31/15

This is a long-term oriented international value fund that invests in companies that are undervalued in the market relative to their long-term potential. The fund generally focuses on companies with characteristics such as low price-to-cash flow, price-to-sales, and price-to-book or price-to-earnings ratios. it is considered a more conservative international equity offering in relation to other international equity funds.

Annual Performance

Comparison to Benchmark

* Note

Past performance is no guarantee of future results. Investment return and principal value will fluctuate so that an investor's shares, when redeemed, may be worth more or less than the original cost.

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