Your Retirement Workbook

Michigan Catholic Conference 403(b) Plan

Prudential Retirement 200 Wood Avenue South Iselin, NJ 08830

Prudential Retirement, Prudential Financial, PRU, Prudential and the Rock logo are registered service marks of The Prudential Insurance Company of America, Newark, NJ and its affiliates. Prudential Retirement is a Prudential Financial business.

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0179158 0179178 0179346 0179121-00001-00

147001112501 Dear Participant, Finally, a program that's all about you.

Everyone knows that a financially secure retirement doesn't happen overnight; it requires careful planning. But a lot of people are put off by what they think will be a complicated process.

That's why we've gone out of our way to make enrolling in the Michigan Catholic Conference 403(b) Plan as straightforward and understandable as possible. After all, we want all our employees to benefit from a retirement program that provides:

I GoalMaker®,an investment solution that helps you choose your investments and stay on track throughout your retirement planning years.

I The powerful retirement planning solutions of Prudential Retirement® -a business unit of Prudential Financial.

I Automatic payroll deductions make saving effortless.

I Wide array of investment options enables you to develop a strategy that best suits your needs.

I Interactive tools to help you manage your account and access retirement planning education. A little planning and action today can lead to a better tomorrow We've worked with Prudential Retirement® to create this workbook that explains all the benefits of the retirement program, and to show you how easy it is to prepare for retirement. Whether you need to enroll or simply need to review if you are on track, by following the simple steps outlined, you can start saving,

and realizing benefits, right away. 1 0 5 2 1

The planning you do in this workbook today may help you have the kind of 1 1 retirement you want tomorrow. 0 0 7 4 Sincerely, 1

. Michigan Catholic Conference This workbook is as unique as you. 1. How much will you need during retirement? I It shows the value your program provides. And, it shows you how to plan for your future based on your individual financial situation and retirement goals.

I It can help answer common retirement planning questions and questions you may have about your 2. program. How much should I It is easy to use. Use the space provided in the you consider workbook to track your decisions (The pencil icon contributing? alerts you to sections to be completed by you.) Then, follow the enrollment instructions in Section 4. 3. Important. Be sure to review the Important How can you invest your Information section, it details your program’s money? provisions and investment performance. 1 4 7 0 0 1 1 1

2 4. 5 0

1 Take action.

For more information about your plan, call 1-877-778-2100 or visit www.prudential.com/online/retirement.

1 1. How much will you need during retirement? That’s a tough question because everyone’s situation is different. Most financial experts estimate that individuals will need a total monthly retirement income equal to 80% of their pay. To get an idea of how much monthly retirement income you may need, look at the chart below. For example, if you are 20 years old, with an annual pay of $30,000, your projected monthly pay when you become eligible to retire will be $6,875. We multiplied this figure by 0.80 and the resulting figure—$5,500—represents the income you may need each month in retirement.

Monthly retirement income projections Current Annual Pay $30,000 $60,000 Age: Age: Age: Age: Age: Age: 20 30 40 20 30 40 Projected monthly income need $5,500 $4,300 $3,400 $11,000 $8,600 $6,700 *These[-TEXT-] projections assume a retirement age of 62 and that you will spend 23 years in retirement. Projections are based[-TEXT-] on an annual return rate of 7%. Projections [-text-] also [-text-] assume that [-text-] current pay [-text-]will grow by [-text-]2.5% annually [-text-] until retirement. [-TEXT-] [-TEXT-] [-text-] [-text-] [-text-] [-text-] [-text-] [-text-] [-TEXT-] Write[-TEXT-] your projected monthly retir [-text-]ement [-text-]income need [-text-]here: ______. [-text-] [-text-] [-text-] Consider all your sources of retirement income Remember, this estimate does not include any balance you may have in other accounts such as annuity plans, interest, and dividends on investments from other retirement vehicles, rental income, and wages. Reviewing the information above, however, will give you a good idea of how much you’ll need overall to retire.

To create your own estimate of your retirement income based on your personal information, visit www.preparewithpru.com.

2 Review your plan’s benefits.

The Michigan Catholic Conference 403(b) Plan is one of the best ways to help you save for retirement. Of course, there are many ways to save and invest for retirement. But your plan offers you the following benefits that are hard to overlook:

I You pay less in federal taxes today: Your before-tax contributions will lower your current taxable income.

I Compounding helps your money grow: You earn interest on both the money you invest and the interest that money earns over time. Time is the most important ingredient in the compounding process.

I Your money works harder for you: All of your before-tax contributions and any money your contributions earn grow tax-deferred until you withdraw them.*

I Saving is easy: Your contributions are automatically deducted from your paycheck—so you don’t have to worry about writing a check or finding the money to invest.

By participating in your program—and contributing as much as possible—you can help ensure you’ll have the retirement income you need.

Quick Tip: Concerned about having access to your money in your retirement program account? Should an event arise that requires you to access your money, you can take a loan or hardship withdrawal or take your money with you when your employment with your employer ends.

* Withdrawals of contributions and potential earnings are taxed at ordinary income tax rates. 1 4 7 0 0 1 1 1 2 5 0 2

Next step: How much should you consider contributing? 2. How much should you consider contributing? Now that you know how much your projected monthly retirement income goal may be, the next step is to determine how much you should contribute to help reach your goal. The chart below shows how different before-tax contribution amounts today can help. Simply find the projected monthly retirement income goal you identified in Section 1 to learn your suggested contribution amount. Reach your goal.* Current Annual Pay $30,000 $60,000 Monthly retirement Suggested Monthly retirement Suggested Age income goal contribution amount income goal contribution amount 20 $5,500 15% $11,000 15%

30 $4,300 26% $8,600 26%

40 $3,400 49% $6,700 28%

* The suggested contribution amounts take into consideration the annual IRS contribution limits and your plan’s maximum contribution limit, which may not be enough to help reach your goal. Please keep in mind that this is a hypothetical illustration and does not take into consideration any other retirement savings or benefits that you may have. It is not intended to represent the performance of any specific investment. It is possible to lose money by investing in securities.

Don't pass up the chance to save in your retirement plan! Opportunities for your future are endless, but the decisions you make today could affect how many of your retirement dreams you can afford. You may not be able to contribute the total suggested amount at this time, or, you may want to increase it a little bit more—use this as a target.

Your bottom line. Now that you know how much you may need to contribute to your retirement plan, it’s important to consider how much you can afford to have taken out of your paycheck. Take a look at the charts on the next page to see how various contribution amounts will affect take-home pay.

Quick Tip: Contributing as much as you can to your retirement program account can help ensure that you and your loved ones enjoy the kind of financial future that you both expect and deserve. See the Important Information Section of this workbook for details on how much you can contribute to the program.

4 To “test drive” other contribution amounts or paycheck scenarios, please visit www.preparewithpru.com. Find the chart below with the annual pay that is closest to your current pay. Next, review the first column of the chart to find your suggested contribution amount from the previous page. Then, look across to see the impact to your take-home pay. You will notice that the amount you contribute to the plan is actually more than the amount your take-home pay is reduced each month. Why? Because contributions are deducted from your pay before taxes, so your taxable income is reduced. As a result, you’ll pay less in federal income taxes and invest more into your account. That’s the power of before-tax investing.

$30,000

Suggested Your monthly Total amount Amount take-home contribution contribution contributed to your pay is reduced amount account each month each month 15% $375 $375 $319 26% $650 $650 $553 49% $1,225 $1,225 $1,041

* This chart assumes a 15% percent tax bracket.

Write your own contribution amount here: ______.

$60,000

Suggested Your monthly Total amount Amount take-home contribution contribution contributed to your pay is reduced amount account each month each month 15% $750 $750 $563 26% $1,300 $1,300 $975 28% $1,450 $1,450 $1,088

* This chart assumes a 25% percent tax bracket. 1 4 7 0 0 1 1 1 Write your own contribution amount here: ______. 2 5 0 3 If you feel you can't contribute as much as you'd like to the retirement program right away, the important thing is to get started and enroll. If you are already participating, consider increasing the amount you currently contribute. You can always increase it in the future.

Next step: How can you invest your money? 3. How can you invest your money? When it comes to choosing your investments, you have the following options. For more information on these investment options, please refer to the Important Information Section. Keep it simple. I Enroll in GoalMaker...... determine your Investor Style Code (below) This easy-to-use asset allocation program, adopted by your plan, helps select investments based on your risk tolerance and years to retirement. With GoalMaker’s age adjustment feature, your account automatically shifts to invest more conservatively as retirement nears. Choose from plan investments. I Build your own portfolio ...... determine your Investor Style Code (below)

Determine your Investor Style Code Your investment mix depends on your risk tolerance and number of years until retirement. Complete this section if you’re using GoalMaker or if you're choosing your own investment mix. If you need additional help determining your investment style, take the Risk Tolerance Quiz located in this workbook.

Description Style Code Years to Retirement CONSERVATIVE investors generally are concerned about short- 01 0-5 term ups and downs in the market; and want to minimize risk C and maintain principal. MODERATE investors generally are willing to sacrifice safety of 02 6-10 principal for potentially greater returns; and can tolerate modest M market fluctuations. 03 11-15 AGGRESSIVE investors generally seek to maximize investment returns; and can tolerate substantial market fluctuations. R 04 16+

My Investor Style Code is:

Keep in mind that application of asset allocation and diversification concepts does not ensure safety of principal. It is possible to lose money by investing in securities.

Next step: Find your suggested portfolio option. Suggested portfolio options by Investor Style Code* Find your Investor Style Code in the chart below. If you want to enroll in GoalMaker, this chart shows how your money would be invested by asset class. If you want to build your own portfolio, the same code provides a suggested mix of investments by asset class. Review these options, then go to next section to choose how you would like to invest your contributions.

Stable Value Small/Mid Cap Stock - Growth Fixed Income Small/Mid Cap Stock - Value Large Cap Stock - Growth International Stock Large Cap Stock - Value

Conservative Moderate Aggressive

C01 M01 R 01 44% 35% 21% 32% 25% 25% 5% 8% 12% 5% 8% 12% 3% 5% 6% 0-5 3% 5% 6% years 8% 14% 18%

C02 M02 R 02 39% 23% 16% 27% 26% 19% 7% 11% 14% 7% 11% 14% 6-10 4% 6% 7%

t 4% 6% 7%

n years 12% 17% 23% e m e r i t e R

C03 M03 R 03 o

t 23% 16% 9%

s 26% 19% 11%

r 11% 14% 16% a 11% 14% 16% e 6% 7% 10% Y 11-15 6% 7% 10% years 17% 23% 28%

C 04 M 04 R 04 14% 7% 19% 1 16% 8% 19% 4 15% 17% 13% 7

0 15% 17% 13%

0 16+ 8% 10% 36%

1 8% 10%

1 years 24% 31% 1 2 5 0 4

* These asset allocation models are provided as samples and not as investment recommendations. They are based on generally-accepted investment practices and take into account the principles of the modern portfolio theory, in which allocations are adjusted in an effort to achieve maximum returns for a given level of risk. You may want to consider other assets, income and investments you may have before applying these models to your individual situation. All investing involves various risks, such as; fixed income (interest rate), default, small cap, international and sector- including the possible loss of principal. Keep in mind that application of asset allocation and diversification concepts does not ensure a profit or protect against loss. It is possible to lose money by investing in securities. 7

Next step: Take action. 4. Take action. Step 1: Write in your contribution amount here: $

Select one option below that best meets your investing style and goals.

Enroll in GoalMaker I wish to enroll in GoalMaker. Enter your Investor Style Code, then go directly to Step 2 to complete enrollment.

My Investor Style Code is: The investments included in your plan's GoalMaker portfolios are noted with an asterisk in the chart on the next page.

1 OR…build your own portfolio : (Total of selected funds equals 100%) If you decide to choose your own investments, you can refer to the suggested portfolio options on the previous page for allocation suggestions. You can then choose from the investment options in the chart on the next page, and write in the percentage you’d like to invest. Then go directly to Step 2 to take action. 1 Please refer to the Important Information and investment performance sections for additional information.

Quick Tip: What do we mean by assets and asset classes? What is the relationship between investment risk and reward? You can find answers to these and many other investing questions by visiting our educational website at www.preparewithpru.com.

8 Stable Value Guaranteed Income Fund* %

Fixed Income American Funds Bond Fund of America R3* %%Ave Maria Bond R

Fixed Income Dreyfus Bond Market Index Fund %%Invesco High Yield Fund A

Balanced American Funds American Balanced R2 %

Large Cap Stock American Funds Washington Mutual R2* %%Prudential Stock Index Fund Class A

Large Cap Stock LKCM Aquinas Value %%MFS Growth R3*

Mid Cap Stock RidgeWorth Mid-Cap Value Equity I %%Ave Maria Catholic Values

Mid Cap Stock Ave Maria Opportunity %%Prudential Jennison Mid Cap Growth Class A

Small Cap Stock AllianzGI NFJ Small Cap Value Fund* %%JPMorgan Small Cap Growth A*

International Stock American Funds EuroPacific Growth Fund R2* %%Columbia Acorn International A International Stock Invesco International Growth Fund A %

TOTAL MUST EQUAL 100%

* These investments are included in your plan’s GoalMaker portfolios. These investments are subject to change. You will be notified in writing in advance of any such change. 1 4 7 0 0 1 1 1 2 5 0 5

Next step: Take action. Step 2: Act today. Online or by phone: I Visit www.prudential.com/online/retirement and select “First Time Logging In?” option. Or, call 1-877-778-2100 (hearing impaired, please call 1-877-760-5166). I Follow the prompts to create your PIN (Personal Identification Number) and then complete your transaction.

Using a form: I Complete the form at the back of this workbook and return it to the contact listed on the form.

Please keep in mind, if you are already participating in the plan, you can change the way your existing account is invested or determine how new contributions to your account will be invested. Step 3: Designate your beneficiary. I Identifying the person you want to receive your account balance in case of your death is very important. Once you have established your account, you can designate your beneficiary. I You can record the beneficiary for your account by visiting www.prudential.com/online/retirement, calling 1-877-778-2100 or completing and returning the Beneficiary Form at the back of this workbook. Step 4: Be sure to stay on track. It’s important to keep an eye on your account to help ensure that your financial future is on track. Use the following tools to help yourself along the way: I Obtain account information and initiate transactions by visiting www.prudential.com/online/retirement or calling our toll free number, at I 1-877-778-2100. (Representatives are available to assist you weekdays, from 8 a.m. to 9 p.m., ET.) I Visit our educational website at www.preparewithpru.com to access a variety of interactive financial planning tools. I Review your retirement statement detailing your account activity.

Quick Tip: Do you have money in another retirement plan or Individual Retirement Account (IRA)? You may want to consider rolling it into this retirement plan. With your retirement investments consolidated in one account, you'll have one convenient place to go to manage your savings. Call 1-800-992-4472 for more details.

10 Important information about your program On the following pages, you will find important information about the Michigan Catholic Conference 403(b) Plan, including performance information for each of the program's investment options and some helpful worksheets. Information in this guide is just an overview of the program's features. If you have any questions, please contact our Participant Service Center at 1-877-778- 2100.

Excessive trading can harm a fund's performance - and the retirement security of long-term investors. Mutual fund companies and other providers of retirement investment products have rules prohibiting this practice in order to protect the interests of all investors. The Excessive Trading Monitoring Program is part of Prudential Retirement's ongoing commitment to help all our investors grow and protect their wealth. The program is designed to identify participants who are engaging in excessive trading of one program investment for another program investment and to stop such trading. Visit www.preparewithpru.com for more information.

Please fax completed forms at the end of the workbook to your Prudential Retirement Counselor at 269-327-7469.(If you have any questions, your Prudential Retirement Counselor may be reached at 313-920-1593).

Enrollment and eligibility Loans I You are currently eligible to enroll in your program. Your plan allows you 1 loan at one time to take: You may enroll at anytime. Application fee: $75 for each loan Processing fee: No Charge Your contributions Method of repayment: Coupon I If you will be at least 50 years old in 2013, you are also Tax consequences: If loan is not paid in full, tax eligible to make an additional before-tax catch-up consequences will apply. contribution of $5,500 per year. Prepayment available: Yes I You may roll over money to your account, in any General purpose amount, from another similar retirement program. Interest rate: Prime* I You are always 100% immediately vested in all sources Minimum loan: $1,000 of money contributed to your retirement plan. Maximum loan: 50% of your vested account balance, up to $50,000 in a 12 month period* What is vesting? Repayment period: 1 to 5 years *Interest is paid back to participant’s account. Additional information about loan calculations and loan "Vesting" refers to your ownership of the money in interest rate details can be found in your program's loan policy. your account. You are always 100% vested in your own contributions. Primary residence

1 Interest rate: Prime* 4

7 Minimum loan: $1,000 0

0 Maximum loan: 50% of your vested account 1 Access your money 1 balance, up to $50,000 in a 12 1

2 You may be able to access money in your retirement month period* 5

0 program account through a loan, in-service withdrawal, or

6 Repayment period: 1 to 15 years hardship withdrawal. *Interest is paid back to participant’s account. Addiional informatoin about loan calculations and loan inteterest rate details can be found in your program's loan policy.

0179241-00001-00 In-service withdrawals Retiring or leaving the employer While employed, you may make in-service withdrawals It's important to learn about all options regarding your within program restrictions. account balance before you retire or leave Michigan Catholic Hardship withdrawals* Conference. While employed, you may take a withdrawal request due to You will need to make a decision about what to do with a financial hardship, within plan restrictions. your vested account balance when one of the following events occurs: One of the following requirements must apply to qualify for I hardship withdrawal: Your employment with the employer ends. I I Purchase or construction of a principal residence-this You retire from the employer at the normal retirement does not include mortgage payments age of 65. I I Finance the cost of post-secondary education for you, You become permanently disabled. your spouse or your dependent children I Your death. Your beneficiary is entitled to your account I Preventing eviction from, or foreclosure on, a principal balance when you die; they are responsible for all residence federal income tax imposed. Distribution upon death may also be subject to federal and state inheritance I Un-reimbursed medical expenses for you, your spouse and estate taxes. or dependents 1 Distributions before 59 /2 may be subject to an additional I Payment of funeral or burial expenses for your spouse early distribution penalty tax. or dependents I Repair of damage to participant's primary residence When any of the events listed above occur, you or your that qualifies for casualty deduction beneficiary will have several distribution options. It's important Additional requirements to qualify for a hardship withdrawal to understand each of the distribution options listed below, can be located in the plan's SPD. before you make your decision. For assistance, please contact Once you take a hardship withdrawal, you may not be able a Prudential representative at 1-800-992-4472. to make contributions to your account for 6 months. Keeping it in the plan There is a $50 withdrawal charge assessed to the participant At the time benefits are payable, your vested account balance will account when a distribution is made. determine how your account is handled. Refer to the schedule below: *Withdrawals: The taxable portion of a withdrawal is taxed as ordinary income and will be subject to an additional early distribution penalty tax if you receive the Your vested Impact to 1 withdrawal before age 59 /2. The total amount of the withdrawal may not be more account balance your money than the amount required to meet your immediate financial need, however, you may have the option to “gross-up” the amount you receive to cover taxes. You may want Less than $1,000 Paid in lump sum, regardless of to consult a tax professional before taking a withdrawal from the plan. prior elections*

Greater than $1,000 Your money will continue to Important Note! grow tax-deferred in your account 1 Amounts withdrawn before age 59 /2 may be subject to a 10% federal income tax penalty, applicable taxes *Standard 20% withheld. and program restrictions. Withdrawals are generally taxed at ordinary income tax rates. Directly rolling it over Disability option You can choose to move or "roll" money over into another qualified retirement program, a Traditional Individual Retirement If you become disabled, you may be eligible to receive all of Account (IRA), or Roth IRA. This allows your money to continue your vested account balance immediately. The amount you growing tax deferred. This is based on our understanding of the tax receive is subject to all applicable income taxes, but no law. You may wish to discuss this matter with your tax advisor. penalties. Because each situation is unique, neither we nor our representatives can provide tax or legal advice. 12

0179241-00001-00 Having account balance paid in installments You can withdraw your account balance in a series of payments, in an amount over a period of time determined by the employer. Lump sum You may choose to take a full or partial lump sum distribution. A 20% federal income tax may be applied. If you have not reached 1 age 59 /2 , you may be subject to a 10% early withdrawal penalty. 1 4 7 0 0 1 1 1 2 5 0 7

0179241-00001-00 Investment types Balanced: Balanced investments combine fixed-income and stock components to offer you a combination of the interest This section is designed to provide general information about income from fixed-income investments and the growth different types of investments. Not all programs offer potential of stock investments. As a result, balanced investments in every category. Information about the specific investments typically do not experience the full ups and investments offered through your program is available in the downs of the stock market. Investment Options section of this guide. The main types of investments in which participants generally invest: Retirement Income: Although they may vary in structure, these options are designed to provide a steady stream of Stable Value investments: These investments combine income for life. safety of principal with money-market-like liquidity and seek to produce rates of return which are superior to money market funds over the long-term.

Fixed-Income investments: Invest in corporate and government bonds. They can go up or down in value each day, so they carry more risk than stable-value investments, but also offer more opportunity for a potentially larger return. Fixed income investment mutual funds are subject to interest rate risk; their value will decline as interest rates rise.

Stocks/Equities: Stock funds, also called equity investments, represent ownership in funds which own shares of corporations. Stock funds offer you a chance to share in the profits, or losses, of those corporations. Stock funds have the potential for higher returns, but they carry more risk than the other investment options.

There are many types of stock investment options, each categorized by the size or market capitalization of the companies they invest in, the investment style followed by the fund manager, and the geographic focus of the fund:

Size of market capitalization: I Large Cap: Over $10 billion I Mid Cap: $2 billion to $10 billion I Small Cap: Under $2 billion

Investment style: I Growth: These stocks are expected to grow faster than the economy. I Value: These stocks are thought to be a bargain because they have been undervalued or overlooked by investors. I Blend: These investments combine both growth and value stocks.

Geographic focus: I Domestic: Invests primarily in U.S. companies I Global: Invests in both U.S. and foreign companies 14 I International: Invests primarily in foreign countries 0179241-00001-00 Investment options GoalMaker Michigan Catholic Conference offers a selection of Your retirement program offers GoalMaker®, an optional investments to choose from. You can decide how you want easy-to-use asset allocation program that will invest your your money invested, and may move money between investments anytime. contributions in a portfolio that matches your investing style and years left until retirement. To use GoalMaker, all you Stable Value need is your “Investor Style” code. Guaranteed Income Fund* By enrolling in GoalMaker, you direct Prudential to Fixed Income - Intermediate Bond immediately reinvest your future contributions and existing American Funds Bond Fund of America R3* account balance (if applicable) to match this model Ave Maria Bond R Dreyfus Bond Market Index Fund investment allocation. Your entire account will be rebalanced according to this model portfolio unless a restriction is in Fixed Income - High Yield Invesco High Yield Fund A place or a portion of your account is invested in a restricted source that isn't available through GoalMaker. Of course, as Large Cap Stock - Value American Funds Washington Mutual R2* your goals and years left until retirement change, you can select a new portfolio at any time without charges or Large Cap Stock - Blend Prudential Stock Index Fund Class A penalties; however, making an allocation change will cause you to no longer be enrolled in the GoalMaker program. Large Cap Stock - Growth LKCM Aquinas Value The GoalMaker portfolio you choose will be automatically MFS Growth R3* rebalanced at a frequency determined by your plan. Mid Cap Stock - Value Automatic rebalancing with GoalMaker ensures your asset RidgeWorth Mid-Cap Value Equity I allocation stays in line with your original investment Mid Cap Stock - Blend objectives. During the rebalancing process, money is moved Ave Maria Catholic Values among investments in your GoalMaker portfolio to maintain Ave Maria Opportunity the allocation percentages you choose. Mid Cap Stock - Growth Prudential Jennison Mid Cap Growth Class A Additionally, GoalMaker's optional age adjustment feature Small Cap Stock - Value automatically adjusts your allocations over time, based on AllianzGI NFJ Small Cap Value Fund* the number of years you have left until retirement. How does Small Cap Stock - Growth it work? If you choose a conservative investor portfolio with JPMorgan Small Cap Growth A* 11-15 years to retirement, once you reach an age that brings International Stock - Blend you ten years before your expected retirement age, your American Funds EuroPacific Growth Fund R2* account will automatically be updated to the conservative International Stock - Growth investor portfolio with 6-10 years to retirement. Columbia Acorn International A To see how your money would be invested across various Invesco International Growth Fund A asset classes, find your Investor Style code in the chart below 1 Balanced - Unknown 4 that matches your investing style. 7 American Funds American Balanced R2 0 0

1 *These investments are included in your plan’s GoalMaker portfolios. These

1 investments are subject to change. You will be notified in writing in advance of 1 any such change. 2 5 0 8

0179241-00001-00 Conservative allocations Aggressive allocations

C01 C02 C03 C04 R01 R02 R03 R04 s s r r s s s s a a r r s s r r e e a a r r a a Y Y e e a a

e e Y Y e e

5 5 Y Y

Investment options Y Investment options Y 0 0 1 1

- - + + 5 5 1 1 - - - - 1 1 6 6 0 0 6 6 1 1 1 1

Stable Value Stable Value Guaranteed Income Fund 44% 39% 23% 14% Guaranteed Income Fund 21% 16% 9% 0% Fixed Income Fixed Income American Funds Bond Fund of American Funds Bond Fund of 32% 27% 26% 16% 25% 19% 11% 0% America R3 America R3 Large Cap Stock - Growth Large Cap Stock - Growth MFS Growth R3 5% 7% 11% 15% MFS Growth R3 12% 14% 16% 19% Large Cap Stock - Value Large Cap Stock - Value American Funds Washington American Funds Washington 5% 7% 11% 15% 12% 14% 16% 19% Mutual R2 Mutual R2 Small/Mid Cap Stock - Growth Small/Mid Cap Stock - Growth JPMorgan Small Cap Growth A 3% 4% 6% 8% JPMorgan Small Cap Growth A 6% 7% 10% 13% Small/Mid Cap Stock - Value Small/Mid Cap Stock - Value AllianzGI NFJ Small Cap Value Fund 3% 4% 6% 8% AllianzGI NFJ Small Cap Value Fund 6% 7% 10% 13% International Stock International Stock American Funds EuroPacific Growth American Funds EuroPacific Growth 8% 12% 17% 24% 18% 23% 28% 36% Fund R2 Fund R2

Please note that in addition to the specific funds used in the GoalMaker Moderate allocations model portfolios, other funds with similar risk and return characteristics may be available to you. M01 M02 M03 M04 Self-Directed Brokerage* s r s s a r s r e a r This optional program allows you to invest in individual a Y e a

e Y e

5 Y

Investment options Y 0 1 stocks and bonds and/or an expanded selection of mutual - + 1 5 - 1 - 6 0 6 1 1 funds through your retirement account. Trading individual securities adds a potentially higher level of risk to your Stable Value account, so you should consider this option carefully. Also, a Guaranteed Income Fund 35% 23% 16% 7% minimum account balance is required for brokerage accounts Fixed Income American Funds Bond Fund of and additional fees apply. Call Prudential at 1-877-778-2100 25% 26% 19% 8% America R3 or contact your Plan Administrator for an information Large Cap Stock - Growth package and/or enrollment materials. MFS Growth R3 8% 11% 14% 17% *Brokerage services are offered through Prudential Investment Management Services Large Cap Stock - Value LLC (PIMS), Three Gateway Center, 14th Floor, Newark, NJ 07102-4077, a Prudential American Funds Washington 8% 11% 14% 17% Mutual R2 Financial company. Small/Mid Cap Stock - Growth JPMorgan Small Cap Growth A 5% 6% 7% 10% Small/Mid Cap Stock - Value AllianzGI NFJ Small Cap Value Fund 5% 6% 7% 10% International Stock American Funds EuroPacific Growth 14% 17% 23% 31% Fund R2 16

0179241-00001-00 Fund Performance and Disclosures Performance is as of 10/31/2013 Please Note: Fund Categories are organized from least aggressive to most aggressive. This is the performance of all investment options in your plan.

Average Annual Returns Gross Net 10 Years or Expense Expense One Year 3 Years 5 Years Since Inception Inception Ratio* Ratio* % % % % Date % %

Stable Value Guaranteed Income Fund 2.36 2.76N/A3.17 12/09/08 0.55 0.55 Fixed Income - Intermediate Bond American Funds Bond Fund of -1.02 2.80 6.683.51 0.92 0.92 America R3 Ave Maria Bond R 5.70 4.28 6.754.81 0.72 0.71 Dreyfus Bond Market Index Fund -1.66 2.51 5.434.30 0.41 0.40 Fixed Income - High Yield Invesco High Yield Fund A 8.26 8.22 16.568.24 0.98 0.98 Large Cap Stock - Value American Funds Washington 25.62 15.77 13.236.50 1.37 1.37 Mutual R2 Large Cap Stock - Blend Prudential Stock Index Fund Class 26.50 16.02 14.646.94 0.77 0.55 A Large Cap Stock - Growth LKCM Aquinas Value 29.01 15.53 15.228.50 1.54 1.50 MFS Growth R3 31.89 16.80 17.079.13 1.12 1.12 Mid Cap Stock - Value RidgeWorth Mid-Cap Value Equity I 34.96 16.81 21.4412.27 1.09 1.09 Mid Cap Stock - Blend Ave Maria Catholic Values 21.71 13.82 16.387.39 1.50 1.50 Ave Maria Opportunity 24.81 11.2714.754.98 05/01/06 1.46 1.28 Mid Cap Stock - Growth Prudential Jennison Mid Cap 26.98 15.98 17.8910.98 1.06 1.06 Growth Class A Small Cap Stock - Value 1

4 AllianzGI NFJ Small Cap Value 29.65 15.43 16.1911.53 1.21 1.21 7

0 Fund 0

1 Small Cap Stock - Growth 1 1

2 JPMorgan Small Cap Growth A 39.64 19.14 21.6210.49 1.44 1.25 5

0 International Stock - Blend 9 American Funds EuroPacific 21.33 6.07 12.068.46 1.60 1.60 Growth Fund R2 International Stock - Growth Columbia Acorn International A 22.91 8.95 18.0212.53 1.31 1.31 Invesco International Growth Fund 20.31 8.42 13.329.73 1.38 1.38 A Average Annual Returns Gross Net 10 Years or Expense Expense One Year 3 Years 5 Years Since Inception Inception Ratio* Ratio* % % % % Date % %

Balanced - Unknown American Funds American 18.55 12.11 12.216.28 1.37 1.37 Balanced R2

Past performance does not guarantee future results and current performance may be lower or higher than the past performance quoted. The investment return and principal value will fluctuate and share/units when sold may be worth more or less than the original cost. For more information, log on to the Online Retirement Center at www.prudential.com/online/retirement and choose “Investment Performance” under your Plan account.

These returns are net of investment-related fees and charges as well as current contract (including asset charges). Your actual rate of return may differ from these returns depending on your specific account activity (including the timing of your contributions and purchases and other account transactions), and any changes in contract charges. Investments in the market-valued funds involve the risk and reward associated with the securities market. Investment performance reflects true period earnings. The Inception Date represents the date assets were first invested in the fund or the date a specific share class was initiated. “N/A” indicated the fund was not in existence or data was not available/applicable at the time this statement was printed. Performance is based on 10 years when an Inception Date is not displayed.

* The net and gross expenses shown include the total operating expenses of the funds and the indirect expense of the funds’ underlying portfolio. Your investment returns are reduced by various fees and expenses. For each plan investment option, the "Expense Ratio" columns show these charges as an annual percentage. Depending on the type of investment, these charges are paid to Prudential or to unaffiliated mutual fund complexes or bank collective trusts. If your plan has mutual fund investment options, the Expense Ratio is not reduced by any fee or expense waivers from the fund complex, and therefore the actual Expense Ratio may be lower. For other investment options, the benefit of any waivers is reflected in the Expense Ratio shown.

Some mutual funds and bank collective trusts, or their affiliates, compensate Prudential for selling their shares and servicing your retirement plan, as detailed in the Fact Sheet for that investment option. For other investment options, the charges reflected in the Expense Ratio are typically deducted by Prudential in return for investment and recordkeeping services, and product distribution. For some plans, the charges also enable Prudential to satisfy the plan's request for allowances to defray plan expenses. Your retirement plan may not include investment options with lower fee structures or lower cost share classes in order to compensate Prudential, in the aggregate, for servicing your retirement plan.

0186238-00002-00 FUND FACT SHEET USER’S GUIDE This guide will help provide a glossary of terms and benchmark definitions commonly found on fund fact sheets. Category Morningstar assigns each mutual fund to a category, based on their actual invest- style box placement of “low”, “medium”, or “high” based on their average credit qual- ment style as measured by their underlying portfolio holdings over the past three years. ity. Funds with a low credit quality are those whose weighted-average credit quality is Categories for Manager of Managers separate accounts are determined by Prudential. determined to be less than “BBB-”; medium are those less than “AA-”, but greater or equal to “BBB-”; and high are those with a weighted-average credit quality of “AA-” or Expense Ratio The net and gross expenses shown include the total operating expenses of higher. When classifying a bond portfolio, Morningstar first maps the NRSRO credit rat- the funds and the indirect expenses of the funds’ underlying portfolios. Your investment ings of the underlying holdings to their respective default rates (as determined by returns are reduced by various fees and expenses. For each plan investment option, the Morningstar’s analysis of actual historical default rates). Morningstar then averages “Expense Ratio” presentation shows these charges as an annual percentage. Depending on these default rates to determine the average default rate for the entire bond fund. the type of investment, these charges are paid to Prudential or to unaffiliated mutual fund Finally, Morningstar maps this average default rate to its corresponding credit rating complexes or bank collective trusts. For mutual funds the Expense Ratio is not reduced by any along a convex curve. fee or expense waivers from the fund complex (i.e., Gross Expense Ratio), and therefore the actual Expense Ratio may be lower. For other investment options, including separate accounts For interest-rate sensitivity, Morningstar obtains from fund companies the average and bank collective trusts, the benefit of any waivers is reflected in the Expense Ratio (i.e., effective duration. Generally, Morningstar classifies a fixed-income fund’s interest-rate Net Expense Ratio). sensitivity based on the effective duration of the Morningstar Core Bond Index (MCBI), TM which is currently three years. The classification of Limited will be assigned to those Overall Morningstar Rating Portfolio’s overall rating. funds whose average effective duration is between 25% to 75% of MCBI’s average Morningstar RatingTM (Mutual Funds) effective duration; funds whose average effective duration is between 75% to 125% of the MCBI will be classified as Moderate; and those that are at 125% or greater of the For each mutual fund with at least a three-year history, Morningstar calculates a average effective duration of the MCBI will be classified as Extensive. Morningstar RatingTM, which reflects a mutual fund’s historical risk-adjusted performance as of a specific date. The Overall Morningstar Rating for a mutual fund is derived For municipal bond funds, Morningstar also obtains from fund companies the average from a weighted average of the performance figures associated with its three-, five- effective duration. In these cases static breakpoints are utilized. These breakpoints are and ten-year (if applicable) Morningstar Rating metrics. Morningstar computes risk- as follows: (i) Limited: 4.5 years or less; (ii) Moderate: more than 4.5 years but less than adjusted return by subtracting a risk penalty (as determined by the downward variations 7 years; and (iii) Extensive: more than 7 years. In addition, for non-US taxable and non- and rewarding consistent performance) from the mutual fund’s load adjusted excess US domiciled fixed income funds static duration breakpoints are used: (i) Limited: less return. Mutual funds are then ranked within their respective Morningstar categories, than or equal to 3.5 years; (ii) Moderate: greater than 3.5 and less than or equal to 6 and stars are assigned. The top 10% of mutual funds in each category receive 5 stars, years; (iii) Extensive: greater than 6 years. the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 Morningstar Volatility Rank is an investment’s 3-year standard deviation overall per- stars and the bottom 10% receive 1 star. centile rank within its US open-end, VA/L fund, or VA/L subaccount universe. The investment Morningstar RatingTM (Group Retirement Plan Annuity) with the lowest standard deviation receives a rank of 1. We then classify investment portfolios as having one of three volatility levels relative to all types of mutual funds: Low, The Morningstar Rating is calculated for subaccounts with at least a three- year Moderate, and High. Investments with wider ranges of returns are labeled “high,” as they are history. It is calculated based on the Morningstar Risk-Adjusted Return measure that considered riskier than “low” volatility investments, which have had smaller ranges of accounts for variation in a subaccount’s monthly performance (including effects of sales returns. charges, loads, and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. The top 10% of subaccounts in each category ©2013 Morningstar, Inc. All Rights Reserved. The information contained on the Fund Fact receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next Sheets: 1) is proprietary to Morningstar and/or its content providers; 2) may not be copied or 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar distributed; and 3) is not warranted to be accurate, complete or timely. Neither Morningstar Rating for a subaccount is derived from a weighted average of the performance figures nor its content providers are responsible for any damages or losses arising from any use of associated with its three-, five- and ten-year (if applicable) Morningstar Rating metrics. this information. Past performance is no guarantee of future results. Ratings are calculated against the appropriate OE Mutual Fund Category. Annual Performance Calendar year returns for the Fund and corresponding benchmarks. Portfolio Manager The name of the person(s) who determines which stocks or bonds belong Top Five Holdings The top holdings are the stocks or bonds with the most influence on a in the investment portfolio. portfolio’s returns. Investor Risk Profile For mutual funds, the investor risk profile displays the fund’s Portfolio Allocation We break down the investment portfolio’s holdings into general Morningstar Risk, a downside risk measure that evaluates the portfolio relative to other investment classes. The pie chart shows how much emphasis is placed on stocks, bonds or portfolios within its Morningstar Category. For separate accounts, the fund’s investor risk pro- cash. We also show how much is held in foreign stocks. Bond investments replace the port- file is classified according to its overall volatility. Volatility measures the range of returns a folio allocation chart with the following: Credit Analysis: We reveal the quality of the bonds portfolio has experienced over time. Wide ranges of returns are labeled “high,” and are con- in a bond-heavy portfolio, from least risky to most risky, with the percentage assigned to each. sidered riskier than “low” volatility investments, which have had smaller ranges in returns. Sector Allocation Morningstar classifies each stock holding into 11 major industrial sectors Morningstar Style Box/Investment Style Box While the category description tells you for all Retail, Non-Qualified and Variable Annuity Fact sheets. The top five are listed on the how the portfolio has been run in the past, the Style Box is a snapshot of what the portfolio Fund Fact Sheets. For Manager of Managers Institutional Equity Sub-Advised Separate currently owns. For equity separate accounts, Investment Style Box data is based on a quar- Accounts Source of Sector Classification: S&P/MSCI. ter lag and assigned by Prudential. ® Performance History The separate account’s total return is shown for the quarter, year-to- Morningstar Style Box date and preceding year, as well as the average annual total return for the past three, five, The Morningstar Style Box™ reveals a fund’s investment strategy. For equity funds the and 10 years, or since inception. To provide you with a point of comparison, the returns of the vertical axis shows the market capitalization of the stocks owned and the horizontal benchmark indexes are shown for the quarter, year-to-date, one, three, five and 10 year peri- 1 ods. For Manager of Managers separate accounts, we may also present a second index 4 axis shows investment style (value, blend or growth). For fixed-income funds, the verti-

7 cal axis shows the credit quality of the bonds owned and the horizontal axis shows reflecting the category’s performance. 0 interest rate sensitivity as measured by a bond’s effective duration.

0 Benchmark Performance The holdings and portfolio characteristics may differ from those

1 Morningstar seeks credit rating information from fund companies on a periodic basis of the benchmark(s), and such differences may be material. Factors affecting portfolio per- 1 formance that do not affect benchmark performance may include portfolio rebalancing, the 1 (e.g., quarterly). In compiling credit rating information, Morningstar instructs fund com-

2 panies to only use ratings that have been assigned by the following Nationally timing of cash flows, credit quality, diversification and differences in volatility. In addition, 5 Recognized Statistical Rating Organizations (NRSROs): Moody’s, Standard & Poor’s, financial indices do not reflect the impact of fees, applicable taxes or trading costs which 1 reduce returns. Unless otherwise noted, financial indices assume reinvestment of dividends.

0 Fitch, and Egan-Jones. If two NRSROs have rated a security, fund companies are to report the lowest rating; if three or more NRSROs have rated the same security You cannot make a direct investment in an index. The statistical data regarding such indices differently, fund companies are to report the rating that is in the middle. For example, has not been independently verified. if NRSRO X rates a security AA-, NRSRO Y rates the same security an A and NRSRO Z rates it a BBB+, the fund company should use the credit rating of ‘A’ in its reporting to Morningstar. For More Information PLEASE NOTE: Morningstar, Inc. is not itself an NRSRO nor does it issue a credit rating Para hablar con un representante de servicios al cliente en español (u otros lengua- on the fund. An NRSRO rating on a fixed-income security can change from time-to-time. jes), por favor, llama a nuestro numero gratuito 800 entre las 8:00 a.m. y las 8:00 p.m., For credit quality, Morningstar combines the credit rating information provided by the Hora del Este, días de trabajo. (To speak with a Prudential Service Representative through fund companies with an average default rate calculation to come up with a weighted- an interpreter in Spanish (or other languages), please call our toll-free number week-days average credit quality. The weighted-average credit quality is currently a letter that between 8:00 a.m. and 8:00 p.m. Eastern Time.) roughly corresponds to the scale used by a leading NRSRO. Bond funds are assigned a

The Fund Fact Sheet User’s Guide 0233352-00004-00 Benchmark Definitions 3-Year Constant Maturity Treasury (CMT) Index: A set Barclays U.S. Government Bond Index: Is the U.S. Custom (Conservative, Moderate, Aggressive) the Lipper Emerging Markets universe (based on year-end of theoretical securities based on the most recently auc- Government component of the U.S. Government/ Credit Portfolios Benchmarks: These indices are composite total net assets). tioned “real” securities. Yields on Treasury securities at Index. It consists of securities issued by the U.S. Government benchmarks that reflect the weighted average of the bench- Lipper Flexible Portfolio Funds Index: Represents the aver- “constant maturity” are interpolated by the U.S. Treasury (i.e., securities in the Treasury and Agency Indices). This marks of the underlying funds in which each specific Custom age of the 30 largest qualifying mutual funds in the Lipper from the daily yield curve, which is based on the closing mar- includes public obligations of the U.S. Treasury with a Portfolio invests. Flexible Portfolio investment objective category (based on year- ket bid yields on actively traded Treasury securities in the remaining maturity of one year or more and publicly issued Dow Jones Relative Risk Indices: This is a family of end total net assets). The mutual funds that comprise the Index over-the-counter market. debt of U.S. Government agencies, quasi-federal corpora- indices, consisting of Conservative, Moderately Conservative, allocate their investments across various asset classes, includ- 3-Year Treasury Average Yield: The average daily treasury tions, and corporate or foreign debt. Moderate, Moderately Aggressive and Aggressive indices. ing domestic common stocks, bonds and money market instru- yield for U.S. Treasury Notes with a maturity of three years Barclays U.S. Government/Credit 1-5 Year Index: They are designed to allow the evaluation of portfolio returns ments, with a focus on total return. (negotiable debt obligations of the U.S. Government, consid- Includes all medium and larger issues of U.S. government, based on the level of risk taken. Lipper Global Funds Index: Represents the average of the ered intermediate in maturity). investment-grade corporate, and investment-grade interna- Dow Jones Target Date Indices: An index family made up 30 largest qualifying mutual funds (based on year-end total net 5-Year Treasury Average Yield: The average daily treasury tional dollar-denominated bonds that have maturities of of composite indices representing three major asset classes – assets) for the investment objective (to invest at least 25% of yield for U.S. Treasury Notes with a maturity of five years between 1 and 5 years and are publicly issued. stocks, bonds and cash. The indices are designed to help its portfolio in securities traded outside of the United States). (negotiable debt obligations of the U.S. Government, consid- Barclays U.S. Government/Credit 5-10 Year Index: investors measure the performance of their “lifecycle” portfo- These funds may own U.S. securities as well. ered intermediate in maturity). Includes all medium and larger issues of U.S. government, lios, which tend to start out aggressively to grow assets and Lipper High Yield Bond Funds Index: Represents the aver- 10-Year Treasury Average Yield: The average daily treasury investment-grade corporate, and investment-grade interna- end with a conservative mix of investments. age of the 30 largest qualifying mutual funds (based on year- yield for U.S. Treasury Notes with a maturity of ten years tional dollar-denominated bonds that have maturities of Dow Jones-UBS Commodities Index (formerly Dow end total net assets) for the investment objective (to seek a (negotiable debt obligations of the U.S. Government, consid- between 5 and 10 years and are publicly issued. Jones AIG Commodities Index): This index is composed of high [relative] current yield from fixed income securities with- ered intermediate in maturity). Barclays U.S. Government/Credit Index: Is the U.S. futures contracts on physical commodities traded on U.S. out regard to quality or maturity restrictions). These funds tend 60% Russell 1000 Growth Index/40% Barclays U.S. Government/Credit component of the US Aggregate Index. It exchanges, with the exception of aluminum, nickel and zinc, to invest in lower-grade debt issues. Aggregate Bond Index: An unmanaged, weighted-average is composed of all bonds that are investment grade (rated Baa which trade on the London Metal Exchange. Lipper International Funds Index: Represents the average composite consisting of the Russell 1000® Growth Index (60%) or higher by Moody’s or BBB or higher by Standard & Poor’s, if Dow Jones U.S. Financials Sector Index: Measures the of the 30 largest qualifying mutual funds (based on year-end and the Barclays Aggregate Bond Index (40%). unrated by Moody’s). Issues must have at least one year to performance of the financials segment of the U.S. equity total net assets) for the investment objective (to invest assets maturity. The index is re-balanced monthly by market capital- 60% Russell 1000 Growth Index/40% Barclays U.S. market, including banks, insurance, real estate, and financial in securities whose primary trading markets are outside the ization. The Government/Credit Index includes securities in services. United States). Intermediate Government/ Credit Index: An unmanaged, the Government and Credit Indices. weighted-average composite consisting of the Russell 1000 Dow Jones U.S. Healthcare Sector Index: Measures the Lipper Large-Cap Core Funds Index: Represents the aver- Growth Index (60%) and the Barclays Intermediate U.S. Barclays U.S. Government Long Index: Includes those performance of the healthcare sector of the U.S. equity market. age of the 30 largest qualifying mutual funds (based on year- Government/Credit Index (40%). funds in the Barclays U.S. Government Index which have a The index includes companies in the healthcare equipment and end total net assets) in the Lipper Large-Cap Universe. These maturity of 10 years or more. 60% Russell 1000 Value Index/40% Barclays U.S. services and pharmaceuticals and biotechnology sectors. funds, by portfolio practice, invest at least 75% of their equity Aggregate Bond Index: An unmanaged, weighted-average Barclays U.S. Long Term Government/Credit Index: Dow Jones U.S. Select Real Estate Investment Trust assets in companies with market capitalizations (on a three- composite consisting of the Russell 1000 Value Index (60%) Includes bonds in the Government and Corporate indices that (REIT) Index: A float-adjusted market capitalization weight- year weighted basis) greater than 300% of the dollar-weight- and the Barclays Aggregate Bond Index (40%). have maturities of 10 years or longer. ed index measures the performance of publicly-traded real ed median market capitalization of the middle 1,000 securities Barclays U.S. Long Term Credit Index: Includes bonds in estate securities (REITs). The index is a sub-set of the Dow of the S&P SuperComposite 1500 Index. These funds typically 60% Russell 1000 Value Index/40% Barclays U.S. have an average price-to-earnings ratio, price-to-book ratio, Intermediate Government/Credit Index: An unmanaged, the Corporate index that have maturities of 10 years or Jones Americas Select RESI and includes only REITs and longer. REIT-like securities. and three-year sales-per-share growth value, compared to the weighted-average composite consisting of the Russell 1000 S&P 500 Index. Value Index (60%) and the Barclays Intermediate U.S. Barclays U.S. Mortgage Backed Securities Index: Dow Jones U.S. Select Real Estate Securities IndexSM Government/ Credit Index (40%). Covers agency mortgage-backed pass-through securities (RESI): Represents equity real estate investment trusts (REITs) Lipper Large-Cap Growth Funds Index: Represents the average of the 30 largest qualifying mutual funds (based on 60% S&P 500 Index/40% Barclays U.S. Aggregate Bond (both fixed-rate and hybrid ARM) issued by Ginnie Mae and real estate operating companies (REOCs) traded in the U.S. (GNMA), Fannie Mae (FNMA), and Freddie Mac (FHLMC). year-end total net assets) in the Lipper Large-Cap Universe. Index: An unmanaged, weighted-average composite Index Dow Jones U.S. Telecommunications Sector Index: These funds, by portfolio practice, invest at least 75% of their that consists of the S&P 500 Index (60%) and the Barclays U.S. Barclays U.S. Municipal Index: Covers the USD-denomi- Measures the performance of the telecommunications sector equity assets in companies with market capitalizations (on a Aggregate Bond Index (40%). nated long-term tax exempt bond market. The index has four of the U.S. equity market, including fixed line telecommunica- three-year weighted basis) greater than 300% of the dollar- Barclays Global Aggregate Bond Index Ex-US (USD main sectors: state andlocal general obligation bonds, rev- tions and mobile telecommunications. weighted median market capitalization of the middle 1,000 Hedged): The Barclays Global Aggregate Ex USD Index pro- enue bonds, insured bonds, and prerefunded bonds. Dow Jones U.S. Utilities Sector Index: Measures the per- securities of the S&P SuperComposite 1500 Index. These funds vides a broad-based measure of the global investment-grade Barclays U.S. Treasury Inflation-Protected Securities formance of the utilities sector of the U.S. equity market, typically have an above average price-to-earnings ratio, price- fixed income markets. The components of this index are the (TIPS) Index: Rules based, market value-weighted index including electricity and gas, water, and multi-utilities. to-book ratio, and three-year sales-per-share growth value, Pan- European Aggregate and the Asian-Pacific Aggregate that tracks inflation-protected securities issued by the U.S. Dow Jones Wilshire 5000 Total Market Index: Represents compared to the S&P 500 Index. Indices. The index also includes Eurodollar and Euro-Yen cor- Treasury. The U.S. TIPS Index is a subset of the Global the broadest index for the U.S. equity market, measuring the Lipper Large-Cap Value Funds Index: Represents the aver- porate bonds, Canadian government, agency and corporate Inflation-Linked Index, with a 38.5% market value weight in performance of all U.S. equity securities with readily available age of the 30 largest qualifying mutual funds (based on year- securities. the index. price data. The index includes over 6,000 stocks, and reflects end total net assets) in the Lipper Large-Cap Universe. These Barclays U.S. Aggregate Bond Index: Broad-based Barclays U.S. Universal Bond Index: Represents the reinvestment of earnings. funds, by portfolio practice, invest at least 75% of their equity benchmark that measures the investment grade, U.S. dollar- union of the U.S. Aggregate Bond Index, U.S. Corporate Dow Jones Wilshire REIT Index: Measures the perform- assets in companies with market capitalizations (on a three- denominated, fixed-rate taxable bond market, including High-Yield Index, Investment-Grade 144A Index, Eurodollar ance of U.S. publicly traded Real Estate Investment Trusts. year weighted basis) greater than 300% of the dollar-weight- Treasuries, government-related and corporate securities, Index, U.S. Emerging Markets Index, and the non-ERISA eli- ed median market capitalization of the middle 1,000 securities MBS (agency fixed-rate and hybrid ARM passthroughs), ABS, gible portion of the CMBS Index. The index covers USD- FTSE NAREIT U.S. Real Estate Index: An unmanaged mar- of the S&P SuperComposite 1500 Index. These funds typically and CMBS. denominated, taxable bonds that are rated either invest- ket capitalization index of all tax-qualified Equity REITS listed have a below average price-to-earnings ratio, price-to-book on the NYSE, AMEX, and the NASDAQ that have 75% or more Barclays U.S. California Municipal Bond Index: Includes ment-grade or below investment-grade. Securities are not ratio, and three-year sales-per-share growth value, compared double-counted in the index. of their gross invested book of assets invested directly or indi- to the S&P 500 Index. investment-grade, tax-exempt, and fixed rate bonds issued in rectly in the equity ownership of real estate. The Fund is not California. All securities have maturities greater than two BofAML 3-Month U.S. Treasury Bill Index: Is comprised sponsored, endorsed, sold or promoted by FTSE International Lipper Mid-Cap Core Funds Index: Represents the aver- years, and are selected from issues larger than $50 million. of a single issue purchased at the beginning of the month Limited (“FTSE”) and FTSE makes no recommendation regard- age of the 30 largest qualifying mutual funds (based on year- Barclays U.S. New York Municipal Bond Index: Includes and held for a full month. Each month the index is rebalanced ing investing in the Fund. end total net assets) in the Lipper Mid-Cap Universe. These investment-grade, tax-exempt, and fixed rate bonds issued in and the issue selected is the outstanding Treasury Bill that funds, by portfolio practice, invest at least 75% of their equi- matures closest to, but not beyond 3 months from the rebal- IA SBBI US 30 Day TBill Index: Shows the growth in ty assets in companies with market capitalizations (on a New York. All securities have maturities greater than two value of $100 from 30 day US Treasury bills including gross years, and are selected from issues larger than $50 million. ancing date. three-year weighted basis) less than 300% of the dollar- interest reinvested. weighted median market capitalization of the middle 1,000 Barclays U.S. Corporate High-Yield Index: Measures BofAML All Convertibles/All Qualities Index: An unmanaged index that measures the performance of U.S. iMoneyNet Taxable Money Funds Index: Measures the securities of the S&P SuperComposite 1500 Index. These the market of USD-denominated, non-investment grade, equally weighted returns of over 1,600 of the largest taxable funds typically have an average price-to-earnings ratio, price- fixed-rate, taxable corporate bonds.Securities are classified dollar-denominated convertible securities not currently in bankruptcy with a total market value greater than $50 million money market funds. to-book ratio, and three-year sales-per-share growth value, as high yield if the middle rating of Moody’s, Fitch, and S&P compared to the S&P Midcap 400 Index. is Ba1/BB+/BB+ or below, excluding emerging market debt. at issuance. J.P. Morgan Emerging Markets Bond Index Plus: Tracks total returns for external-currency-denominated debt instru- Lipper Mid-Cap Growth Funds Index: Represents the Barclays U.S. High Yield Bond Index, 2% Issuer Capped: BofAML High Yield Master II Index: An unmanaged index that tracks the performance of below-investment- ments of the emerging markets: Brady Bonds, loans, average of the 30 largest qualifying mutual funds (based on The Barclays U.S. High Yield Bond Index, 2% Issuer Capped is Eurobonds. Countries covered are Argentina, Brazil, Bulgaria, year-end total net assets) in the Lipper Mid-Cap Universe. an issuer-constrained version of the Barclays U.S. High Yield grade, U.S. dollar- denominated corporate bonds publicly issued in the U.S. domestic market. Colombia, Ecuador, Egypt, Malaysia, Mexico, Morocco, These funds, by portfolio practice, invest at least 75% of their Index that covers the USD denominated, non-investment Nigeria, Panama, Peru, the Philippines, Poland, Russia, South equity assets in companies with market capitalizations (on a grade, fixed-rate, taxable corporate bond market. The 2% Citigroup 3 Month T-Bill Index: An index whereby equal Africa, Turkey, Ukraine, and Venezuela. three-year weighted basis) less than 300% of the dollar- Issuer Capped Index follows the same index construction rules dollar amounts of three-month Treasury bills are purchased weighted median market capitalization of the middle 1,000 as the uncapped index but limits issuer exposures to a maxi- at the beginning of each of three consecutive months. As JPM GBI Global Ex US TR Hdg USD: The J.P. Morgan GBI series provides a comprehensive measure of local currency securities of the S&P SuperComposite 1500 Index. These funds mum 2% and redistributes the excess market value index-wide each bill matures, all proceeds are rolled over or reinvested typically have an above average price-to-earnings ratio, price- on a pro rata basis. in a new three-month bill. The income used to calculate the denominated fixed rate government debt issued in developed markets. The series consists of five core index products cover- to-book ratio, and three-year sales-per-share growth value, Barclays U.S. Intermediate Government/Credit Index: monthly return is derived by subtracting the original amount compared to the S&P Midcap 400 Index. invested from the maturity value. ing developed markets. The broadest series tracks 27 countries. Measures the performance of U.S. Dollar denominated U.S. Lipper Mid-Cap Value Funds Index: Represents the aver- Treasuries, government-related and investment grade U.S. cor- Citigroup ESBI-Capped Brady Index: Includes Brady Lifetime Funds Custom Benchmarks: These indices are composite benchmarks that reflect the weighted average of age of the 30 largest qualifying mutual funds (based on year- porate securities that have a remaining maturity of greater bonds and US dollar-denominated emerging market sover- end total net assets) in the Lipper Mid-Cap Universe. These than one year and less than ten years. eign debt issued in the global, Yankee, and Eurodollar mar- the benchmarks for the underlying funds in which each specific Lifetime Fund invests. funds, by portfolio practice, invest at least 75% of their equity Barclays U.S. Credit Index: A subset of the US kets excluding loans, and comprises debt in Africa, Asia, assets in companies with market capitalizations (on a three- Government/Credit Index and the US Aggregate Index that Europe, and Latin America. Lipper Balanced Funds Index: Represents the average of year weighted basis) less than 300% of the dollar-weighted comprises the US Corporate Index and a non-corporate com- Citigroup Dollar World Non-U.S. Government Bond the 30 largest qualifying mutual funds (based on year-end total median market capitalization of the middle 1,000 securities of ponent that includes foreign agencies, sovereigns, suprana- Index: A market capitalization-weighted index, unhedged and net assets) for the investment objective (to conserve principal the S&P SuperComposite 1500 Index. These funds typically tionals, and local authorities. stated in U.S. dollar terms. The Index is generally considered to by maintaining a balanced portfolio of stocks and bonds). have a below average price-to-earnings ratio, price-to-book Typically, the stock/bond ratio ranges around 60%/40%. Barclays U.S. Government 1-5 Year Index: This index be representative of the world bond market (ex-U.S.). The min- ratio, and three-year sales-per-share growth value, compared includes U.S. Treasury and agency obligations with maturities imum maturity for included bonds is one year, and the mini- Lipper Emerging Markets Funds Index: is an equal dollar to the S&P Midcap 400 Index. of 1-5 years. mum credit quality is BBB-/Baa3 by either S&P or Moody’s. weighted index of the 30 largest qualifying mutual funds in

The Fund Fact Sheet User’s Guide 0233352-00004-00 Lipper Real Estate Funds Index: An equally weighted for purchase by foreigners. The returns shown in the perform- Russell 1000® Index: A market capitalization-weighted S&P 500® Index: Unmanaged index with over US $5.58 tril- index of the 30 largest qualifying mutual funds (based on ance chart are calculated with dividends reinvested and are index that measures the performance of the 1,000 largest lion benchmarked (index assets comprising approximately year-end total net assets) in the Lipper Real Estate universe. net of foreign withholding tax. The index is available both in companies in the Russell 3000® Index, which represents US $1.31 trillion of this total) that includes 500 leading com- These funds invest at least 65% of their portfolios in equity local currency and U.S. dollar terms. approximately 92% of the total market capitalization of the panies in leading industries of the U.S. economy, capturing securities of domestic and foreign companies engaged in the MSCI EM (Emerging Markets) Latin America Index: Is a Russell 3000 Index. 75% coverage of U.S. equities. real estate industry. free float-adjusted market capitalization weighted index that is Russell 1000® Value Index: A market capitalization- S&P 500 Technology Index: Standard & Poor’s offers sec- Lipper Science and Technology Funds Index: designed to measure the equity market performance of emerg- weighted index that measures the performance of those tor indices on the S&P 500 based upon the Global Industry Represents the average of the 30 largest qualifying mutual ing markets in Latin America. Russell 1000 companies with lower price-to-book ratios and Classification Standard (GICS®). This standard is jointly funds in the Lipper Science and Technology universe (based MSCI Europe Index: Is a free float-adjusted market capital- lower forecasted growth rates. owned by Standard & Poor’s and MSCI. Each stock is classi- on year-end total net assets). These funds, by portfolio prac- ization weighted index that is designed to measure the equity Russell 2000® Growth Index: A market capitalization- fied into one of 10 sectors, 24 industry groups, 64 industries tice, invest at least 65% of their equity assets in science and market performance of the developed markets in Europe weighted index that measures the performance of those and 139 sub-industries according to their largestsource of technology stocks. (includes 16 countries). Russell 2000 companies with higher price-to-book ratios and revenue. Standard & Poor’s and MSCI jointly determine all classifications. The 10 sectors are Consumer Discretionary, Lipper Small-Cap Core Funds Index: Represents the aver- MSCI Japan Index: Measures the performance of the higher forecasted growth rates. age of the 30 largest qualifying mutual funds (based on year- ® Consumer Staples, Energy, Financials, Health Care, Japanese equity market, listed in U.S. dollars, with net divi- Russell 2000 Index: A market capitalization-weighted Industrials, Information Technology, Materials, end total net assets) in the Lipper Small-Cap Universe. These dends reinvested. index that measures the performance of the 2,000 smallest funds, by portfolio practice, invest at least 75% of their equity ® Telecommunication Services and Utilities. These indices are MSCI Metals/Mining Index: Consists of companies con- companies in the Russell 3000 Index, which represents calculated using the same guiding principles that apply to all assets in companies with market capitalizations (on a three- approximately 8% of the total market capitalization of the year weighted basis) less than 250% of the dollar-weighted ducting business in the aluminum, diversified metals and min- Standard & Poor’s indices. ing, gold, precious metals and minerals and steel industries. Russell 3000 Index. median of the smallest 500 of the middle 1,000 securities of ® S&P 500 Value Index: A style index resulting from the divi- the S&P SuperComposite 1500 Index. These funds typically MSCI Pacific Index: A free float-adjusted market capitaliza- Russell 2000 Value Index: A market capitalization- sion of the parent index (S&P 500), whose stocks are meas- have an average price-to-earnings ratio, price-to-book ratio, tion-weighted index that is designed to measure the equity weighted index that measures the performance of those ured using three factors: book value to price ratio, earnings and three-year sales-per-share growth value, compared to the market performance of the developed markets in the Pacific Russell 2000 companies with lower price-to-book ratios and to price ratio, and sales to price ratio. S&P SmallCap 600 Index. region. lower forecasted growth rates. ® S&P Completion Index: Is a sub-index of the S&P Total Lipper Small-Cap Growth Funds Index: Represents the MSCI Pacific Free Index: Same constituents as MSCI Russell 2500 Growth Index: A market capitalization- Market Index, including all stocks eligible for the S&P TMI average of the 30 largest qualifying mutual funds (based on Pacific Index, the “Free” index captures the history of certain of weighted index that measures the performance of those and excluding all current constituents of the S&P 500®. The yearend total net assets) in the Lipper Small-Cap Universe. those constituents that were not deemed “developed” in pre- Russell 2500 companies with higher price-to-book ratios and index covers approximately 4,000 constituents, offering These funds, by portfolio practice, invest at least 75% of their vious years. higher forecasted growth rates. investors broad exposure to mid, small, and micro cap com- ® equity assets in companies with market capitalizations (on a MSCI US REIT Index: A free float market capitalization Russell 2500 Index: A market capitalization-weighted panies. Since it follows the same construction guidelines three-year weighted basis) less than 250% of the dollar- weighted index that is comprised of Equity real estate invest- index that measures the performance of the 2,500 smallest and free float methodology as the S&P 500, they seamless- weighted median of the smallest 500 of the middle 1,000 secu- ment trust (REITs) securities that belong to the MSCI US companies in the Russell 3000 Index. ly integrate and move in sync without overlapping rities of the S&P SuperComposite 1500 Index. These funds typ- Investable Market 2500 Index. Russell 2500® Value Index: A market capitalization- constituents. ically have an above average price-to-earnings ratio, price-to- ® ® MSCI World Growth Index (net): A market capitalization- weighted index that measures the performance of those S&P Composite 1500 Index: Combining the S&P 500 , book ratio, and three-year sales-per-share growth value, com- Russell 2500 companies with lower price-to-book ratios and S&P MidCap 400® and S&P SmallCap 600® indices is an effi- pared to the S&P SmallCap 600 Index. weighted index comprised of that half of the MSCI World Index with higher price/book value (P/BV) ratios relative to their lower forecasted growth rates. cient way to create a broad market portfolio representing Lipper Small-Cap Value Funds Index: Represents the aver- respective MSCI country index. The returns shown in the per- Russell 3000 Growth Index: A market capitalization- about 85% of U.S. equities. This combination addresses the age of the 30 largest qualifying mutual funds (based on year- needs of investors wanting broader exposure beyond the formance chart are calculated with dividends reinvested and weighted index that measures the performance of those ® end total net assets) in the Lipper Small-Cap Universe. These net of foreign withholding tax. Russell 3000 companies with higher price-to-book ratios and S&P 500 . funds, by portfolio practice, invest at least 75% of their equity higher forecasted growth rates. S&P Developed Property Index: An investable index assets in companies with market capitalizations (on a three- MSCI World Index: Is a free float-adjusted market capitalization weighted index that is designed to measure the equity Russell 3000 Value Index: A market capitalization-weight- including approximately 400 stocks from 22 countries. The year weighted basis) less than 250% of the dollar-weighted Index is a sub-index of the S&P Global Property Index, which median of the smallest 500 of the middle 1,000 securities of market performance of developed markets (includes 24 coun- ed index that measures the performance of those Russell tries in the North America, Europe, and Asia/Pacific region). 3000 Index companies with lower price-to-book ratios and defines and measures the investable universe of publicly the S&P SuperComposite 1500 Index. These funds typically traded property companies. have a below average price-to-earnings ratio, price-to-book MSCI World Ex US Index: Designed to provide a broad lower forecasted growth rates. The stocks in this index are ratio, and three-year sales-per-share growth value, compared measure of equity performance throughout the world (with the also members of either the Russell 1000 Value or the Russell S&P MidCap 400 Index: Includes 400 companies, and rep- to the S&P SmallCap 600 Index. exception of U.S.-based companies) and includes both devel- 2000 Value indexes. resents about 7% of the U.S. equities market. To be eligible oped and emerging markets. Russell 3000® Index: A market capitalization-weighted for addition to the index, companies must have a market cap- Morningstar Technology Sector Index: Tracks the per- italization between US $1 billion and US $4.4 billion. formance of publicly traded companies engaged in the design, MSCI World Real Estate Index: A sub-index of the MSCI index that measures the performance of the 3,000 largest development, and support of computer operating systems and World Index representing only securities in the GICS Real U.S. companies based on total market capitalization, which S&P North American Natural Resources Sector Index: applications. Estate Industry Group. represents approximately 98% of the investable U.S. equity Modified-capitalization weighted index which represents US market. traded securities across the GICS classification sector for MSCI All Country Far East Ex. Japan Index: A free float- MSCI World Small Cap Index: Attempts to represent the Natural Resources that are current members of the S&P adjusted market capitalization weighted index that is designed business activities of small cap companies across developed Russell Greater China Index: A regional index covering both developed and emerging markets in China, Hong Kong Total Market Index or the S&P/TSX Composite Index. Each to measure the equity market performance of the Far East, markets. MSCI selects the most liquid securities relative to stock is capped at 7.5%. excluding Japan. their market capitalization, and targets for index inclusion 40% and Taiwan. of the full market capitalization of the eligible small cap uni- Russell Midcap® Growth Index: A market capitalization- S&P Small Cap 600 Index: Includes 600 companies and MSCI All Country World Ex. U.S. Index: is a free float- represents about 3% of the U.S. equities market. To be eligi- adjusted market capitalization weighted index that is designed verse within each industry group, within each country. weighted index that measures the performance of those Russell Midcap companies with higher price-to-book ratios ble for addition to the index, companies must have a market to measure the equitymarket performance of developed and MSCI World Value Index (net): A market capitalization- capitalization between US $300 million and US $1.4 billion. emerging markets. As of December 2011 the MSCI ACWI ex- weighted index comprised of that half of the MSCI World Index and higher forecasted growth rates. The stocks are also members of the Russell 1000® Growth Index. S&P Total Market Index: Is a combination of the S&P US consisted of 44 countries comprising 23 developed and 21 with lower price/book value (P/BV) ratios relative to their ® emerging market country indices. The developed market coun- respective MSCI country index. Russell Midcap® Index: A market capitalization-weighted 500 and the S&P Completion Index, and offers broad exposure to large, mid, small, and micro cap companies. S&P try indices included are: Australia, Austria, Belgium, National Association of Real Estate Investment index that measures the performance of the 800 smallest Canada,Denmark, Finland, France, Germany, Greece, Hong companies in the Russell 1000® Index, which represent Total Market Index includes all common equities listed on Fiduciaries (NCREIF) Open-End Diversified Core Equity the NYSE (including NYSE Arca), the NYSE Alternext, the Kong, Ireland, Israel, Italy, Japan, Netherlands, New Zealand, Fund Index (NFI-ODCE): This index measures fund perform- approximately 30% of the total market capitalization of the Norway, Portugal, Singapore, Spain, Sweden, Switzerland, the Russell 1000 Index. NASDAQ Global Select Market, the NASDAQ Global Market ance in the private real estate industry by aggregating the per- and the NASDAQ Capital Market. United Kingdom. The emerging market country indices includ- formance of a group of 14 open-end funds with core invest- Russell Midcap® Value Index: A market capitalization- ed are: Brazil, Chile, China, Colombia, Czech Republic, Egypt, ment strategies. The component mutual funds invest primarily weighted index that measures the performance of those The Morningstar Lifetime Moderate Indices: This series Hungary, India, Indonesia, Korea, Malaysia, Mexico, Morocco, in the major property types within the U.S., with modest lever- Russell Midcap companies with lower price-to-book ratios of indices represents portfolios of global equities, bonds and Peru, Philippines, Poland, Russia, South Africa, Taiwan, age. Established in May 2005, the index is released on both a and lower forecasted growth rates. The stocks are also traditional inflation hedges such as commodities and TIPS. Thailand, and Turkey. gross and net-of-investment- management-fees basis. members of the Russell 1000® Value Index. The portfolios are held in proportions appropriate for U.S. investors who expect to retire during the indicated year. The MSCI All Country World Ex. U.S. Growth Index: Includes NYSE Arca Tech Index: Is comprised of 100 listed and over- S&P 1500 Consumer Discretionary Index: This is an those firms in the MSCI All Country World Ex. U.S. Index with Moderate risk profile is for investors who are comfortable

1 the-counter securities of companies from different industries unmanaged capitalization- weighted index comprising com- higher price to book value (P/BV) ratios. with average exposure to equity market volatility. 4 that produce or deploy innovative technologies to conduct their panies in the Consumer Discretionary sector as determined

7 MSCI EAFE Growth Index (net): A market capitalization- business. Industries include computer hardware, software, by S&P. Total returns for the index include the reinvestment The Morningstar Target Risk Index family: Designed

0 weighted index comprised of those firms in the MSCI EAFE semiconductors, telecommunications, data storage and pro- of dividends and capital gain distributions, but do not reflect to meet the benchmarking needs of target risk investors by 0 Index with higher price/book value (P/BV) ratios relative to cessing, electronics and biotechnology. the costs of managing a mutual fund. offering an objective yardstick for performance compari- 1 their respective MSCI country index, and assumes reinvest- son. The family consists of five indexes covering equity 1 PRREF Composite Index: A blended benchmark, comprised S&P 1500 Energy Index: This is an unmanaged capital- risk preferences ranging from aggressive to conservative. 1 ment of dividends after withholding tax. of the NCREIF Open-End Diversified Core Equity Index (NFI- ization-weighted index comprising companies in the 2 MSCI EAFE Index (net): A market capitalization-weighted ODCE), the S&P Developed Property Index, and the Citigroup Energy sector as determined by S&P. Total returns for the U.S. Treasury 6 Month Certificate of Deposit (CD) 5 index comprised of companies representative of the market U.S. Domestic 3-Month T-Bill Total Return Index, weighted to index include the reinvestment of dividends and capital Index: The average of the secondary market interest rates 1 structure of 21 developed market countries in Europe, Australia reflect the investment allocations of the Prudential Retirement gain distributions, but do not reflect the costs of managing for nationally traded 6 month certificates of deposit. 1 and the Far East. The MSCI EAFE Index is available both in Real Estate Fund. a mutual fund. U.S. Treasury T-Bill Auction Average 3-Month Index: local currency and U.S. dollar terms. The returns shown in the Prudential/Lazard LifeStyle Funds Custom Benchmarks: S&P 1500 Industrials Index: This is an unmanaged cap- Value is derived from the past month’s weekly Treasury Bill performance chart are calculated with dividends reinvested Composite benchmarks that reflect the weighted average of italization-weighted index comprising companies in the auction rate averages. and are net of foreign withholding tax. the benchmarks for the underlying funds in which each Industrials sector as determined by S&P. Total returns for Vanguard Balanced Composite Index: Made up of two MSCI EAFE Value Index (net): A market capitalization- Prudential/Lazard LifeStyle Fund invests. the index include the reinvestment of dividends and capi- unmanaged benchmarks, weighted 60% Dow Jones Wilshire weighted index comprised of those firms in the MSCI EAFE Retirement Goal Custom Benchmarks: These indices are tal gain distributions beginning on January 1, 2002. Index 5000 Index and 40% Barclays U.S. Aggregate Bond Index Index with lower price/book value (P/BV) ratios relative to their composite benchmarks that reflect the weighted average of returns with reinvested dividends and distributions are through May 31, 2005; 60% MSCI U.S. Broad Market Index respective MSCI country index. the benchmarks of the underlying funds in which each specific unavailable prior to that date. Total returns for the indices and 40% Barclays U.S. Aggregate Bond Index thereafter. MSCI EMF Index (net): A market capitalization-weighted Retirement Goal Fund invests. include the reinvestment of dividends and capital gain dis- Wellington Composite Index: is a combination of unman- index comprised of companies representative of the market ® tributions, but do not reflect the costs of managing a aged industry benchmarks: 65% S&P 500 Index and 35% Russell 1000 Growth Index: A market capitalization- mutual fund. structure of 25 emerging market countries open to foreign weighted index that measures the performance of those Barclays Credit A or Better Index. Prior to March 1, 2000, investment. The MSCI EMF Index excludes closed markets and Russell 1000 companies with higher price-to-book ratios and weighted 65% S&P 500 Index and 35% Barclays Long Credit those shares in otherwise open markets that are not available higher forecasted growth rates. AA or Better Index.

The Fund Fact Sheet User’s Guide 0233352-00004-00 Third Quarter 2013 Guaranteed Income Fund Fund Fact Sheet

Key Facts Objective & Structure The Guaranteed Income Fund (GIF) is a Stable Value fund designed to provide safety of principal, liquidity, ISSUER: Prudential Retirement Insurance and Annuity Company and a competitive rate of return. INVESTMENT ADVISER: Prudential Investment The Fund Offers Management, Inc. ■ Stability of crediting rate FUND CATEGORY: Stable Value ■ Guaranteed protection of principal and accumulated interest from market volatility NET ASSETS: $17,766 Million ■ Intermediate-term fixed income returns INCEPTION DATE: January 1, 1981 Features ■ Investor Risk Profile Principal and accumulated interest are fully guaranteed by Prudential Retirement Insurance and Annuity Company (PRIAC). This Fund may be suitable for investors who seek: ■ The guaranteed interest rate is announced in advance and is guaranteed for a six-month period.5 A ■ Preservation of capital plus competitive minimum rate will apply. intermediate-term returns. ■ GIF invests in a broadly diversified, fixed-income portfolio within PRIAC’s general account. The portfolio ■ Liquidity and income. is primarily invested in public bonds, commercial mortgages and private placement bonds.

Portfolio Allocation As of 09/30/2013 Commercial Mortgage Loans1 18% Public Corporate Bonds 37% Private Securities 21% CMO/CMBS2 11% 3 ABS 5% 1 May include agriculture loans, transfer employee mortgages and residential mortgages Agency MBS 8% US Treasury & Agencies 0% 2 Includes RMBS = Residential Mortgage Backed Securities, CMO = Collateralized Mortgage Obligation Securities, CMBS = Commercial Other4 0% Mortgage Backed Securities Cash and Short Term 1% 3 ABS = Asset Backed Securities 4 May include equity, real estate and derivatives used to hedge various risks Guarantee Quality AA- 5 An annual rate guarantee may apply to certain 403(b) or nonqualified plan arrangements. Contact Prudential for further information. Average Duration 3.7 Total High Yield Exposure 4.95% (included in the Portfolio allocation is subject to change. above allocations) Claims-paying ratings represents the opinions of rating agencies regarding the financial ability of an insurance company to meet its obligations under its insurance policies. According to Standard & Poor's publications, an insurer rated ‘AA-’ (4th category of 21) has very U.S. Treasury Rates As of 09/30/2013 strong financial security characteristics, differing only slightly from those rated higher. An insurer rated “AAA” has extremely strong financial security characteristics. "AAA" is the highest Insurer Financial Strength Rating assigned by Standard & Poor's. Duration is a time measure (in years) of a fixed income security’s interest-rate sensitivity. Average duration is a weighted average of the duration of the underlying fixed-income securities within the portfolio. The Guaranteed Income Fund (GIF) is a group annuity product issued by Prudential Retirement Insurance and Annuity Company (PRIAC), Hartford, CT 06103. Amounts contributed to the contract are deposited in PRIAC’s general account. Payment obligations and the fulfillment of any guarantees specified in the group annuity contract are insurance claims supported by the full faith and credit of PRIAC. However, if you are a participant in an unfunded nonqualified deferred compensation plan, GIF may be only a reference account that is used to determine the plan’s liability to you, and may not represent an actual investment in the group annuity. PRIAC periodically resets the interest rate credited on contract balances, subject to a minimum rate specified in the group annuity contract. The minimum interest rate may be greater for certain 403(b) or nonqualified plan arrangements. Contact Prudential for further information. Past interest rates are not indicative of future rates. This product is neither a mutual fund nor a bank product. The obligations of PRIAC are not insured by the FDIC or any other federal governmental agency. Contract form # GA-2020-IA-0805 or state variation thereof. Prudential Retirement is compensated in connection with this product when general account investment returns exceed the interest credited on contract balances. Prudential Retirement may earn fee revenue in addition to the foregoing compensation if your plan has agreed to pay contract charges, which are sometimes paid in respect of plan and participant recordkeeping and distribution services. For some plans, Prudential Retirement uses a portion of its aggregate compensation to satisfy the plan’s request for allowances and for payments to defray plan expenses. If Prudential Retirement’s aggregate compensation from this product and from other plan investment products exceeds the costs of servicing your plan, Prudential Retirement earns a profit; otherwise we incur a loss. Frequent exchanging between plan investment options may harm long-term investors. Your plan or the plan’s investment funds may have provisions to deter exchanges that may be abusive. These policies may require us to modify, restrict or suspend purchase or exchange privileges and/or impose redemption fees. Prudential Investment Management Inc. (PIM) is a Prudential Financial company. PIM is a registered investment adviser. © 2013 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.

0160317 RSFS060 0160317-00003-00 American Funds Bond Fund of Amer R3 Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks to provide as high a level of current income as is consistent with the preservation of capital. The fund INVESTMENT Capital Research and Management normally invests at least 80% of assets in bonds and other debt securities. It invests a majority of its assets in debt securities with ADVISOR: Company quality ratings of A3 or better or A- or better. The fund may also invest in debt securities and mortgage-backed securities issued by FUND Intermediate-Term Bond government-sponsored entities and federal agencies and instrumentalities that are not backed by the full faith and credit of the CATEGORY: U.S. government. It invests in debt securities with a wide range of maturities. INDEX: Barclays US Govt/Credit 5-10 Yr TR There is no assurance the objectives of the Fund will be met. Shares of this Fund are neither issued nor guaranteed by the U.S. Government. USD® Fixed income investment (bond) funds are subject to interest rate risk; their value will decline as interest rates rise. NET ASSETS: $801.7 Million INCEPTION DATE: 6/4/2002 TICKER SYMBOL: RBFCX GROSS EXPENSE RATIO: 0.92% of Fund Assets OVERALL # OF FUNDS IN Top Five Holdings As of 6/30/2013 Top Five Sectors As of 6/30/2013 MORNINGSTAR CATEGORY: 1021 Fannie Mae Single Family TBA 3.5% 2043-07-01 ...... 2.85% US Corporate ...... 30.86% OVERALL MORNINGSTAR RATINGTM: ## Fannie Mae Single Family TBA 4% 2043-07-01 ...... 2.00% Government ...... 27.34% US Treasury Note 1% ...... 1.87% Securitized ...... 27.05% PORTFOLIO MANAGERS: Wesley K.-S. Phoa US Treasury Note 0.875% ...... 1.52% Cash (%of FI assets)...... 14.02% David A. Daigle GNMA 3.5% ...... 1.31% Municipal ...... 0.73% John H. Smet Holdings and Sector allocations are ranked as a percentage of net assets and subject to change without notice. David A. Hoag Mark H. Dalzell Quality Distribution As of 6/30/2013 Portfolio Characteristics As of 6/30/2013

Overall Morningstar Rating as of quarter ending Fund Index 09/30/2013. The Morningstar Rating shown is for the AAA 63.41% Effective Duration (Yrs) 4.45 NA share class of this Fund only; other classes may have BBB 13.12% Average Maturity (Yrs) NA NA different performance characteristics. ©2013 A 12.78% Morningstar, Inc. All Rights Reserved. Additional AA 5.02% Morningstar information is available in the User Guide. B 2.64%

BB 1.56% Investor Risk Profile Below B 1.01% Not Rated 0.45%

As of 09/30/2013 Performance*(%) Cumulative Returns Average Annual Total Returns MorningstarStyle BoxTM As of 09/30/2013 Since QTD YTD 1 Year 3 Year 5 Year 10 Year Inception

Fund 0.75 -2.09 -1.74 2.64 5.07 3.38 NA The vertical axis represents the Fund's average credit quality as Index 0.59 -3.00 -2.37 3.79 7.56 5.38 --- measured by Standard & Poor's Morningstar RatingTM ## ## # rating service. High >= AA # of Funds in Category 1179 1021 876 618 Medium =BBB Low 3.5 Yrs and <=6 Yrs Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options Ext > 6 Yrs do not include such shares to compensate us for distribution and plan servicing.

Performance: The performance quoted represents past performance. The investment value and return will Results of $10,000 Investment* fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance does not guarantee future results. Current performance may be lower or higher than the performance quoted. For 20,000 performance data current to the most recent month end, please call 1-877-778-2100. These performance results represent the change in net asset value of an investment over a stated period, assuming the reinvestment of 15,000 dividends and capital gain distributions.

10,000 Market Timing: Frequent exchanging of investment options may harm long-term investors. Your plan and/or the fund have policies to detect and deter exchanges that may be abusive. Those policies may require us to modify or suspend purchase or 5,000 exchange privileges.

1 Prospectus: Investors should consider the fund’s investment objectives, risks, charges and expenses before 02 03 04 05 06 07 08 09 10 11 12

4 investing. The prospectus, and if available the summary prospectus, contain complete information about the 7 American Funds Bond Fund of Amer R3 $15,280 investment options available through your plan. Please call 1-877-778-2100 for a free prospectus and if available, a 0 summary prospectus that contain this and other information about our mutual funds. You should read the 0 prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when

1 Annual Performance* investing in securities. 1 Fund Index 1

2 2012 5.55% 7.21% Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark 5 2011 6.15% 10.79% definitions. 1 2 2010 6.94% 9.42% Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, 2009 14.54% 6.50% Newark, NJ 07102. 2008 -12.52% 5.06% © 2013 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.

0156210

Ave Maria Bond Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks preservation of principal with a reasonable level of current income. The fund invests primarily (80% or more INVESTMENT Schwartz Investment Counsel Inc of its net assets, including the amount of any borrowings for investment purposes) in investment-grade debt securities of domestic ADVISOR: issuers, including the U.S. government and its agencies and instrumentalities, corporations and municipalities, as well as FUND Intermediate-Term Bond mortgage-backed securities and money market instruments. It may invest up to 20% of its net assets in equity securities, which CATEGORY: include preferred stocks, common stocks paying dividends and securities convertible into common stock. INDEX: Barclays US Govt/Credit 5-10 Yr TR There is no assurance the objectives of the Fund will be met. Shares of this Fund are neither issued nor guaranteed by the U.S. Government. USD® Fixed income investment (bond) funds are subject to interest rate risk; their value will decline as interest rates rise. NET ASSETS: $140.8 Million INCEPTION DATE: 5/1/2003 TICKER SYMBOL: AVEFX GROSS EXPENSE RATIO: 0.72% of Fund Assets OVERALL # OF FUNDS IN Top Five Holdings As of 8/31/2013 Top Five Sectors As of 8/31/2013 MORNINGSTAR CATEGORY: 1021 US Treasury Note 2.625% ...... 2.33% US Corporate ...... 45.70% OVERALL MORNINGSTAR RATINGTM: ### US Treasury Note 2.5% ...... 2.30% Cash (%of FI assets)...... 31.88% US Treasury Note 1.375% ...... 2.27% Government ...... 22.42% PORTFOLIO MANAGERS: Brandon S. Scheitler US Treasury Note 2.5% ...... 1.89% Richard L. Platte, Jr., CFA US Treasury Note 0.875% ...... 1.84%

Overall Morningstar Rating as of quarter ending Holdings and Sector allocations are ranked as a percentage of net assets and subject to change without notice.

09/30/2013. The Morningstar Rating shown is for the As of 8/31/2013 share class of this Fund only; other classes may have Quality Distribution Portfolio Characteristics different performance characteristics. ©2013 Fund Index Morningstar, Inc. All Rights Reserved. Additional Morningstar information is available in the User Guide. Effective Duration (Yrs) NA NA Average Maturity (Yrs) NA NA Investor Risk Profile Data Not Available

MorningstarStyle BoxTM As of 09/30/2013 Performance*(%) Cumulative Returns Average Annual Total Returns Data Not Available Since QTD YTD 1 Year 3 Year 5 Year 10 Year Inception Fund 1.42 3.79 4.39 4.11 5.37 4.65 NA Index 0.59 -3.00 -2.37 3.79 7.56 5.38 --- TM Morningstar Rating #### ## ### # of Funds in Category 1179 1021 876 618 Results of $10,000 Investment* *Fees that Prudential Retirement and its affiliates receive in connection with plan investments in this fund include a 12b-1 fee of up to 0.25% and may include an annual sub-accounting and/or servicing fee of up to 0.08%. 20,000 Such fees, if applicable to this fund, compensate Prudential Retirement for selling the fund’s shares and servicing your 15,000 retirement plan. The fund’s expense ratio includes these fees. Other investment options may generate more or less revenue than the fees associated with this fund. If the aggregate revenue from your plan exceeds our associated costs, we earn a profit. 10,000 Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options 5,000 do not include such shares to compensate us for distribution and plan servicing.

0 Performance: The performance quoted represents past performance. The investment value and return will 03 04 05 06 07 08 09 10 11 12 13 fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance does not guarantee future results. Current performance may be lower or higher than the performance quoted. For Ave Maria Bond $15,748 performance data current to the most recent month end, please call 1-877-778-2100. These performance results represent the change in net asset value of an investment over a stated period, assuming the reinvestment of Annual Performance* dividends and capital gain distributions. Fund Index Market Timing: Frequent exchanging of investment options may harm long-term investors. Your plan and/or the fund have 2012 4.63% 7.21% policies to detect and deter exchanges that may be abusive. Those policies may require us to modify or suspend purchase or 2011 3.34% 10.79% exchange privileges. 2010 6.66% 9.42% Prospectus: Investors should consider the fund’s investment objectives, risks, charges and expenses before 2009 10.17% 6.50% investing. The prospectus, and if available the summary prospectus, contain complete information about the 2008 0.30% 5.06% investment options available through your plan. Please call 1-877-778-2100 for a free prospectus and if available, a summary prospectus that contain this and other information about our mutual funds. You should read the prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when investing in securities.

Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark definitions.

Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, Newark, NJ 07102.

© 2013 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.

0156210

Dreyfus Bond Market Index Inv Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks to match the total return of the Barclays U.S. Aggregate Index. To pursue its goal, the fund normally invests INVESTMENT Dreyfus Corp. at least 80% of its net assets, plus any borrowings for investment purposes, in bonds that are included in the Barclays U.S. ADVISOR: Aggregate Index. In seeking to match index performance, the manager uses a passive management approach and purchases all or FUND Intermediate-Term Bond a representative sample of the bonds comprising the Barclays U.S. Aggregate Index. To maintain liquidity, it may invest up to 20% CATEGORY: of its assets in various short-term, fixed-income securities and money market instruments. INDEX: Barclays US Govt/Credit 5-10 Yr TR There is no assurance the objectives of the Fund will be met. Shares of this Fund are neither issued nor guaranteed by the U.S. Government. USD® Fixed income investment (bond) funds are subject to interest rate risk; their value will decline as interest rates rise. NET ASSETS: $923.7 Million INCEPTION DATE: 4/28/1994 TICKER SYMBOL: DBMIX GROSS EXPENSE RATIO: 0.41% of Fund Assets OVERALL # OF FUNDS IN Top Five Holdings As of 8/31/2013 Top Five Sectors As of 8/31/2013 MORNINGSTAR CATEGORY: 1021 US Treasury Note 2.25% ...... 1.01% Government ...... 42.80% OVERALL MORNINGSTAR RATINGTM: ### US Treasury Note 2.625% ...... 0.92% Securitized ...... 31.76% Govt Natl Mtg Asso 3.5% ...... 0.89% US Corporate ...... 21.07% PORTFOLIO MANAGERS: Zandra Zelaya, CFA FNMA ...... 0.79% Cash (%of FI assets)...... 3.64% Nancy G. Rogers US Treasury Note 0.25% ...... 0.77% Municipal ...... 0.73%

Overall Morningstar Rating as of quarter ending Holdings and Sector allocations are ranked as a percentage of net assets and subject to change without notice.

09/30/2013. The Morningstar Rating shown is for the As of 8/31/2013 As of 8/31/2013 share class of this Fund only; other classes may have Quality Distribution Portfolio Characteristics different performance characteristics. ©2013 Fund Index Morningstar, Inc. All Rights Reserved. Additional Morningstar information is available in the User Guide. AAA 75.46% Effective Duration (Yrs) 5.44 NA Average Maturity (Yrs) 7.39 NA Investor Risk Profile A 11.71%

BBB 7.81%

AA 5.02%

MorningstarStyle BoxTM As of 09/30/2013 Performance*(%) As of 09/30/2013

The vertical axis represents the Cumulative Returns Average Annual Total Returns Fund's average credit quality as Since measured by Standard & Poor's QTD YTD 1 Year 3 Year 5 Year 10 Year Inception rating service. High >= AA Fund 0.56 -2.29 -2.26 2.37 4.83 4.11 NA Medium =BBB Index 0.59 -3.00 -2.37 3.79 7.56 5.38 --- Low 3.5 Yrs and <=6 Yrs Ext > 6 Yrs Such fees, if applicable to this fund, compensate Prudential Retirement for selling the fund’s shares and servicing your retirement plan. The fund’s expense ratio includes these fees. Other investment options may generate more or less revenue than the fees associated with this fund. If the aggregate revenue from your plan exceeds our associated costs, we earn a profit. Results of $10,000 Investment* Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options do not include such shares to compensate us for distribution and plan servicing.

20,000 Performance: The performance quoted represents past performance. The investment value and return will 15,000 fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance does not guarantee future results. Current performance may be lower or higher than the performance quoted. For 10,000 performance data current to the most recent month end, please call 1-877-778-2100. These performance results represent the change in net asset value of an investment over a stated period, assuming the reinvestment of 5,000 dividends and capital gain distributions.

0 Market Timing: Frequent exchanging of investment options may harm long-term investors. Your plan and/or the fund have 02 03 04 05 06 07 08 09 10 11 12 policies to detect and deter exchanges that may be abusive. Those policies may require us to modify or suspend purchase or exchange privileges. Dreyfus Bond Market Index Inv $15,469

7 Fund Index investment options available through your plan. Please call 1-877-778-2100 for a free prospectus and if available, a 0 summary prospectus that contain this and other information about our mutual funds. You should read the

0 2012 3.69% 7.21% prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when 1 2011 7.42% 10.79% investing in securities. 1

1 2010 5.99% 9.42%

2 2009 4.47% 6.50% Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark 5 2008 5.58% 5.06% definitions. 1 3 Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, Newark, NJ 07102.

0156210

Invesco High Yield A Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks total return, comprised of current income and capital appreciation. The fund invests, under normal INVESTMENT Invesco Advisers, Inc. circumstances, at least 80% of its net assets (plus any borrowings for investment purposes) in debt securities that are determined ADVISOR: to be below investment grade quality, and in derivatives and other instruments that have economic characteristics similar to such FUND High Yield Bond securities. It may invest in preferred stocks and convertible securities, which are securities that generally pay interest and may be CATEGORY: converted into common stock. The fund may invest up to 25% of its net assets in foreign securities. INDEX: BofAML US HY Master II TR USD® There is no assurance the objectives of the Fund will be met. Shares of this Fund are neither issued nor guaranteed by the U.S. Government. NET ASSETS: $1,012.3 Million Fixed income investment (bond) funds are subject to interest rate risk; their value will decline as interest rates rise. INCEPTION DATE: 7/11/1978 High yield "junk" bonds involve a greater risk of default of payment of principal and interest than higher-rated bonds. Also, these TICKER SYMBOL: AMHYX bonds tend to be less liquid than higher-rated securities. Therefore, an investment in the Fund may not be appropriate for short- GROSS EXPENSE RATIO: 0.98% of Fund Assets term investing. OVERALL # OF FUNDS IN MORNINGSTAR CATEGORY: 534 Top Five Holdings As of 6/30/2013 Top Five Sectors As of 6/30/2013 OVERALL MORNINGSTAR RATINGTM: #### First Data 144A 8.25% ...... 1.06% US Corporate ...... 96.08% Mgm Resorts Intl 7.75% ...... 0.95% Securitized ...... 2.73% PORTFOLIO MANAGERS: Scott Roberts, CFA Cricket Comms 7.75% ...... 0.95% Cash (%of FI assets)...... 0.87% Darren S. Hughes, CFA Tutor Perini 7.625% ...... 0.81% Government ...... 0.32% Jones Apparel Grp Inc / 6.875% ...... 0.81% Overall Morningstar Rating as of quarter ending 09/30/2013. The Morningstar Rating shown is for the Holdings and Sector allocations are ranked as a percentage of net assets and subject to change without notice. share class of this Fund only; other classes may have different performance characteristics. ©2013 Quality Distribution As of 6/30/2013 Portfolio Characteristics As of 6/30/2013 Morningstar, Inc. All Rights Reserved. Additional Morningstar information is available in the User Guide. Fund Index B 48.18% Effective Duration (Yrs) 4.88 NA Investor Risk Profile BB 34.57% Average Maturity (Yrs) 6.71 NA

Below B 11.14%

Not Rated 6.04%

BBB 2.86%

A 0.31% MorningstarStyle BoxTM As of 09/30/2013 Performance*(%) As of 09/30/2013 The vertical axis represents the Fund's average credit quality as Cumulative Returns Average Annual Total Returns measured by Standard & Poor's Since rating service. High >= AA QTD YTD 1 Year 3 Year 5 Year 10 Year Inception Medium =BBB Fund 2.15 2.69 6.32 7.96 11.59 8.22 NA Low 3.5 Yrs and <=6 Yrs a finder's fee, a 12b-1 fee of up to 0.25%, and an annual sub-accounting and/or servicing fee of up to 0.45%. Ext > 6 Yrs Such fees, if applicable to this fund, compensate Prudential Retirement for selling the fund’s shares and servicing your retirement plan. The fund’s expense ratio includes these fees. Other investment options may generate more or less revenue Results of $10,000 Investment* than the fees associated with this fund. If the aggregate revenue from your plan exceeds our associated costs, we earn a profit. Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options 30,000 do not include such shares to compensate us for distribution and plan servicing.

25,000 Performance: The performance quoted represents past performance. The investment value and return will 20,000 fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance 15,000 does not guarantee future results. Current performance may be lower or higher than the performance quoted. For 10,000 performance data current to the most recent month end, please call 1-877-778-2100. These performance results 5,000 represent the change in net asset value of an investment over a stated period, assuming the reinvestment of dividends and capital gain distributions. 0 02 03 04 05 06 07 08 09 10 11 12 Market Timing: Frequent exchanging of investment options may harm long-term investors. Your plan and/or the fund have

Invesco High Yield A $26,727 policies to detect and deter exchanges that may be abusive. Those policies may require us to modify or suspend purchase or exchange privileges.

Annual Performance* Prospectus: Investors should consider the fund’s investment objectives, risks, charges and expenses before Fund Index investing. The prospectus, and if available the summary prospectus, contain complete information about the 2012 17.51% 15.59% investment options available through your plan. Please call 1-877-778-2100 for a free prospectus and if available, a 2011 1.43% 4.38% summary prospectus that contain this and other information about our mutual funds. You should read the prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when 2010 14.29% 15.19% investing in securities. 2009 54.09% 57.51% 2008 -25.41% -26.39% Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark definitions.

Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, Newark, NJ 07102.

0156210

American Funds Washington Mutual R2 Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks to produce income and to provide an opportunity for growth of principal consistent with sound common INVESTMENT Capital Research and Management stock investing. The fund invests primarily in common stocks of established companies that are listed on, or meet the financial ADVISOR: Company listing requirements of, the New York Stock Exchange and have a strong record of earnings and dividends. Its advisor strives to FUND Large Value maintain a fully invested, diversified portfolio, consisting primarily of high-quality common stocks. CATEGORY: INDEX: Russell 1000 Value TR USD® There is no assurance the objectives of the Fund will be met.

NET ASSETS: $750.4 Million INCEPTION DATE: 5/31/2002 TICKER SYMBOL: RWMBX SHARE CLASS: Retirement GROSS EXPENSE RATIO: 1.37% of Fund Assets OVERALL # OF FUNDS IN Top Five Holdings As of 6/30/2013 Top Five Sectors As of 6/30/2013 MORNINGSTAR CATEGORY: 1043 Home Depot, Inc...... 5.35% Industrials ...... 21.03% OVERALL MORNINGSTAR RATINGTM: ### Boeing Co ...... 4.76% Financial Services ...... 13.07% Chevron Corp ...... 4.37% Energy ...... 12.32% PORTFOLIO Jeffrey T. Lager Merck & Co Inc ...... 3.86% Healthcare ...... 12.25% MANAGERS: Alan N. Berro Union Pacific Corp ...... 3.01% Consumer Cyclical ...... 12.02% Eugene P. Stein, CFA Holdings and Sector allocations are ranked as a percentage of net assets and subject to change without notice. Gregory D. Johnson

Ronald B. Morrow Portfolio Allocation As of 6/30/2013 Portfolio Characteristics As of 6/30/2013

Overall Morningstar Rating as of quarter ending Fund Index 09/30/2013. The Morningstar Rating shown is for the US Stocks 88.75% Weighted Geometric Market Cap. $76.63 $46.39 share class of this Fund only; other classes may have Price/Earnings Ratio (Forward) 15.13x 13.27x different performance characteristics. ©2013 Non-US Stocks 7.88% Morningstar, Inc. All Rights Reserved. Additional Price/Book Ratio 2.51x 1.53x Morningstar information is available in the User Guide. Other 1.73% 3-Year Earnings Growth Rate (%) 12.35 13.67 Cash 1.6%

Investor Risk Profile US Bonds 0.04%

Performance*(%) As of 09/30/2013 Cumulative Returns Average Annual Total Returns MorningstarStyle BoxTM As of 09/30/2013 Since QTD YTD 1 Year 3 Year 5 Year 10 Year Inception

Domestic equity funds are placed in Fund 4.49 19.49 19.70 15.35 8.40 6.60 NA a category based on the style and Index 3.94 20.47 22.30 16.25 8.86 7.99 --- size of the stocks they typically TM #### ### ### own. The style and size parameters Morningstar Rating are based on the divisions used in # of Funds in Category 1192 1043 926 608 the investment style box: Value, Blend, or Growth style and Small, *Fees that Prudential Retirement and its affiliates receive in connection with plan investments in this fund include Medium, or Large geometric a 12b-1 fee of up to 0.75% and may include an annual sub-accounting and/or servicing fee of up to 0.25%. average market capitalization. Such fees, if applicable to this fund, compensate Prudential Retirement for selling the fund’s shares and servicing your retirement plan. The fund’s expense ratio includes these fees. Other investment options may generate more or less revenue Results of $10,000 Investment* than the fees associated with this fund. If the aggregate revenue from your plan exceeds our associated costs, we earn a profit. Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options do not include such shares to compensate us for distribution and plan servicing. 25,000 20,000 Performance: The performance quoted represents past performance. The investment value and return will fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance 15,000 does not guarantee future results. Current performance may be lower or higher than the performance quoted. For 10,000 performance data current to the most recent month end, please call 1-877-778-2100. These performance results represent the change in net asset value of an investment over a stated period, assuming the reinvestment of 5,000 dividends and capital gain distributions. 0 02 03 04 05 06 07 08 09 10 11 12 Market Timing: Frequent exchanging of investment options may harm long-term investors. Your plan and/or the fund have policies to detect and deter exchanges that may be abusive. Those policies may require us to modify or suspend purchase or American Funds Washington Mutual R2 $21,014 exchange privileges.

1 Annual Performance* Prospectus: Investors should consider the fund’s investment objectives, risks, charges and expenses before 4 investing. The prospectus, and if available the summary prospectus, contain complete information about the 7 Fund Index investment options available through your plan. Please call 1-877-778-2100 for a free prospectus and if available, a 0 2012 11.68% 17.51% summary prospectus that contain this and other information about our mutual funds. You should read the 0 prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when 1 2011 6.19% 0.39%

1 investing in securities. 2010 12.43% 15.51% 1

2 2009 18.03% 19.69% Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark 5 2008 -33.67% -36.85% definitions. 1 4 Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, Newark, NJ 07102.

0156208

Prudential Stock Index A Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks to provide investment results that correspond to the price and yield performance of the Standard & Poor's INVESTMENT Prudential Investments LLC 500 Composite Stock Price Index. The fund normally invests over 80% of assets in securities included in the S&P 500 Index in ADVISOR: approximately the same proportions as those of the index. It employs a "passively managed"-or index-investment approach, which FUND Large Blend aims to hold the same mix of stocks as is held in the S&P 500 Index. CATEGORY: INDEX: Russell 1000 TR USD® There is no assurance the objectives of the Fund will be met.

NET ASSETS: $162.8 Million INCEPTION DATE: 11/18/1999 TICKER SYMBOL: PSIAX SHARE CLASS: A GROSS EXPENSE RATIO: 0.77% of Fund Assets OVERALL # OF FUNDS IN Top Five Holdings As of 8/31/2013 Top Five Sectors As of 8/31/2013 MORNINGSTAR CATEGORY: 1372 S&P500 Emini Fut Sep13 ...... 3.63% Technology ...... 16.88% OVERALL MORNINGSTAR RATINGTM: ### Apple Inc ...... 2.92% Financial Services ...... 15.29% Exxon Mobil Corporation ...... 2.48% Healthcare ...... 12.85% PORTFOLIO Daniel Carlucci, CFA Microsoft Corporation ...... 1.61% Consumer Cyclical ...... 10.89% MANAGERS: John W. Moschberger, CFA Johnson & Johnson ...... 1.55% Consumer Defensive ...... 10.81%

Overall Morningstar Rating as of quarter ending Holdings and Sector allocations are ranked as a percentage of net assets and subject to change without notice. 09/30/2013. The Morningstar Rating shown is for the share class of this Fund only; other classes may have Portfolio Allocation As of 8/31/2013 Portfolio Characteristics As of 8/31/2013 different performance characteristics. ©2013 Morningstar, Inc. All Rights Reserved. Additional Fund Index Morningstar information is available in the User Guide. Weighted Geometric Market Cap. $59.47 $45.30 US Stocks 95.19% Price/Earnings Ratio (Forward) 14.88x 15.57x Investor Risk Profile Price/Book Ratio 2.13x 2.19x Cash 3.5% 3-Year Earnings Growth Rate (%) 16.19 16.65

Non-US Stocks 1.31%

MorningstarStyle BoxTM As of 09/30/2013 Performance*(%) As of 09/30/2013

Domestic equity funds are placed in Cumulative Returns Average Annual Total Returns a category based on the style and Since size of the stocks they typically own. The style and size parameters QTD YTD 1 Year 3 Year 5 Year 10 Year Inception are based on the divisions used in Fund 5.11 19.34 18.71 15.73 9.53 7.05 NA the investment style box: Value, Index 6.02 20.76 20.91 16.64 10.53 7.98 --- Blend, or Growth style and Small, TM Medium, or Large geometric Morningstar Rating ### ### ### average market capitalization. # of Funds in Category 1547 1372 1233 779 *This Fund has been established and managed by affiliates of Prudential Retirement. A portion of the revenue Results of $10,000 Investment* received by those affiliates in connection with this Fund is transferred to Prudential Retirement. The balance is retained by the affiliates.

25,000 Such fees, if applicable to this fund, compensate Prudential Retirement for selling the fund’s shares and servicing your retirement plan. The fund’s expense ratio includes these fees. Other investment options may generate more or less revenue 20,000 than the fees associated with this fund. If the aggregate revenue from your plan exceeds our associated costs, we earn a profit. 15,000 Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options do not include such shares to compensate us for distribution and plan servicing. 10,000 5,000 Performance: The performance quoted represents past performance. The investment value and return will 0 fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance 02 03 04 05 06 07 08 09 10 11 12 does not guarantee future results. Current performance may be lower or higher than the performance quoted. For performance data current to the most recent month end, please call 1-877-778-2100. These performance results Prudential Stock Index A $22,571 represent the change in net asset value of an investment over a stated period, assuming the reinvestment of dividends and capital gain distributions.

Annual Performance* Market Timing: Frequent exchanging of investment options may harm long-term investors. Your plan and/or the fund have Fund Index policies to detect and deter exchanges that may be abusive. Those policies may require us to modify or suspend purchase or 2012 15.40% 16.42% exchange privileges.

2011 1.72% 1.50% Prospectus: Investors should consider the fund’s investment objectives, risks, charges and expenses before 2010 14.48% 16.10% investing. The prospectus, and if available the summary prospectus, contain complete information about the 2009 25.84% 28.43% investment options available through your plan. Please call 1-877-778-2100 for a free prospectus and if available, a 2008 -37.10% -37.60% summary prospectus that contain this and other information about our mutual funds. You should read the prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when investing in securities.

Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark definitions.

Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, Newark, NJ 07102.

0156208

LKCM Aquinas Value Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks to maximize long-term capital appreciation, while incorporating Catholic values investing principles in the INVESTMENT Luther King Capital Mgmt Corp investment process. The fund seeks to achieve its investment objective by investing under normal circumstances in equity ADVISOR: securities of companies which the Adviser believes to be undervalued relative to a company's earnings. The Adviser's primary FUND Large Blend strategy in managing the fund is to select securities that generally have below average price to earnings ratios, low price to cash CATEGORY: flow characteristics, attractive dividend yields and/or lower price to book value ratios than the overall market. INDEX: Russell 1000 TR USD® There is no assurance the objectives of the Fund will be met. NET ASSETS: $55.2 Million INCEPTION DATE: 1/3/1994 TICKER SYMBOL: AQEIX SHARE CLASS: No Load GROSS EXPENSE RATIO: 1.54% of Fund Assets OVERALL # OF FUNDS IN Top Five Holdings As of 6/30/2013 Top Five Sectors As of 6/30/2013 MORNINGSTAR CATEGORY: 1372 MetLife Inc ...... 3.18% Financial Services ...... 21.26% OVERALL MORNINGSTAR RATINGTM: #### Adobe Systems Inc ...... 2.94% Energy ...... 16.81% FMC Corporation ...... 2.91% Technology ...... 13.58% PORTFOLIO R. Todd Truitt, CFA Zions Bancorporation ...... 2.87% Basic Materials ...... 10.56% MANAGERS: Michael C. Yeager JPMorgan Chase & Co ...... 2.62% Consumer Cyclical ...... 10.43% Paul W. Greenwell Holdings and Sector allocations are ranked as a percentage of net assets and subject to change without notice. James B. Orser

As of 6/30/2013 As of 6/30/2013 Overall Morningstar Rating as of quarter ending Portfolio Allocation Portfolio Characteristics 09/30/2013. The Morningstar Rating shown is for the Fund Index share class of this Fund only; other classes may have Weighted Geometric Market Cap. $18.85 $45.30 different performance characteristics. ©2013 US Stocks 96.45% Morningstar, Inc. All Rights Reserved. Additional Price/Earnings Ratio (Forward) 16.94x 15.57x Morningstar information is available in the User Guide. Price/Book Ratio 1.89x 2.19x Non-US Stocks 2% 3-Year Earnings Growth Rate (%) 10.43 16.65 Investor Risk Profile Cash 1.56%

Performance*(%) As of 09/30/2013  Morningstar Style BoxTM As of 09/30/2013 Cumulative Returns Average Annual Total Returns Since Domestic equity funds are placed in QTD YTD 1 Year 3 Year 5 Year 10 Year Inception a category based on the style and Fund 8.12 23.91 25.65 16.31 9.53 9.05 NA size of the stocks they typically own. The style and size parameters Index 6.02 20.76 20.91 16.64 10.53 7.98 --- TM are based on the divisions used in Morningstar Rating ### ### ##### the investment style box: Value, # of Funds in Category 1547 1372 1233 779 Blend, or Growth style and Small, Medium, or Large geometric *Fees that Prudential Retirement and its affiliates receive in connection with plan investments in this fund include average market capitalization. a 12b-1 fee of up to 0.25%.

Such fees, if applicable to this fund, compensate Prudential Retirement for selling the fund’s shares and servicing your Results of $10,000 Investment* retirement plan. The fund’s expense ratio includes these fees. Other investment options may generate more or less revenue than the fees associated with this fund. If the aggregate revenue from your plan exceeds our associated costs, we earn a profit. Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options 30,000 do not include such shares to compensate us for distribution and plan servicing. 25,000 20,000 Performance: The performance quoted represents past performance. The investment value and return will 15,000 fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance 10,000 does not guarantee future results. Current performance may be lower or higher than the performance quoted. For performance data current to the most recent month end, please call 1-877-778-2100. These performance results 5,000 represent the change in net asset value of an investment over a stated period, assuming the reinvestment of 0 dividends and capital gain distributions. 02 03 04 05 06 07 08 09 10 11 12 Market Timing: Frequent exchanging of investment options may harm long-term investors. Your plan and/or the fund have LKCM Aquinas Value $26,599 policies to detect and deter exchanges that may be abusive. Those policies may require us to modify or suspend purchase or exchange privileges. Annual Performance* 1 Fund Index Prospectus: Investors should consider the fund’s investment objectives, risks, charges and expenses before 4 investing. The prospectus, and if available the summary prospectus, contain complete information about the 7 2012 12.01% 16.42% investment options available through your plan. Please call 1-877-778-2100 for a free prospectus and if available, a 0 2011 0.46% 1.50% summary prospectus that contain this and other information about our mutual funds. You should read the 0 prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when 1 2010 17.25% 16.10% 1 2009 32.94% 28.43% investing in securities. 1

2 2008 -37.34% -37.60% Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark 5 definitions. 1 5 Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, Newark, NJ 07102.

0156208

MFS Growth R3 Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks capital appreciation. The fund normally invests in equity securities. Equity securities include common stocks, INVESTMENT Massachusetts Financial Services Co preferred stocks, securities convertible into stocks, and depositary receipts for such securities. The adviser focuses on investing ADVISOR: the fund's assets in the stocks of companies it believes to have above average earnings growth potential compared to other FUND Large Growth companies (growth companies). The fund may invest its assets in companies of any size and may invest its assets in foreign CATEGORY: securities. INDEX: Russell 1000 Growth TR USD® There is no assurance the objectives of the Fund will be met. NET ASSETS: $300.8 Million INCEPTION DATE: 4/1/2005 TICKER SYMBOL: MFEHX SHARE CLASS: Retirement GROSS EXPENSE RATIO: 1.12% of Fund Assets OVERALL # OF FUNDS IN Top Five Holdings As of 8/31/2013 Top Five Sectors As of 8/31/2013 MORNINGSTAR CATEGORY: 1484 Google, Inc. Class A ...... 4.15% Consumer Cyclical ...... 22.14% OVERALL MORNINGSTAR RATINGTM: #### Visa, Inc...... 2.43% Technology ...... 21.83% Danaher Corporation ...... 2.20% Healthcare ...... 16.14% PORTFOLIO Eric B. Fischman, CFA EMC Corporation ...... 2.15% Industrials ...... 11.90% MANAGER: Precision Castparts Corp...... 2.13% Financial Services ...... 9.92%

Overall Morningstar Rating as of quarter ending Holdings and Sector allocations are ranked as a percentage of net assets and subject to change without notice. 09/30/2013. The Morningstar Rating shown is for the share class of this Fund only; other classes may have Portfolio Allocation As of 8/31/2013 Portfolio Characteristics As of 8/31/2013 different performance characteristics. ©2013 Morningstar, Inc. All Rights Reserved. Additional Fund Index Morningstar information is available in the User Guide. Weighted Geometric Market Cap. $37.55 $44.28 US Stocks 93.41% Price/Earnings Ratio (Forward) 21.94x 18.75x Investor Risk Profile Price/Book Ratio 3.13x 3.91x Non-US Stocks 4.7% 3-Year Earnings Growth Rate (%) 22.97 19.55

Cash 1.89%

MorningstarStyle BoxTM As of 09/30/2013 As of 09/30/2013 Performance*(%) Domestic equity funds are placed in Cumulative Returns Average Annual Total Returns a category based on the style and Since size of the stocks they typically own. The style and size parameters QTD YTD 1 Year 3 Year 5 Year 10 Year Inception are based on the divisions used in Fund 10.69 23.04 22.84 17.34 12.28 --- 9.37 the investment style box: Value, Index 8.11 20.87 19.27 16.94 12.07 ------Blend, or Growth style and Small, TM Medium, or Large geometric Morningstar Rating #### #### --- average market capitalization. # of Funds in Category 1668 1484 1302 ---

*Fees that Prudential Retirement and its affiliates receive in connection with plan investments in this fund include Results of $10,000 Investment* a 12b-1 fee of up to 0.25% and may include an annual sub-accounting and/or servicing fee of up to 0.25%.

Such fees, if applicable to this fund, compensate Prudential Retirement for selling the fund’s shares and servicing your 25,000 retirement plan. The fund’s expense ratio includes these fees. Other investment options may generate more or less revenue than the fees associated with this fund. If the aggregate revenue from your plan exceeds our associated costs, we earn a profit. 20,000 Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options 15,000 do not include such shares to compensate us for distribution and plan servicing. 10,000 Performance: The performance quoted represents past performance. The investment value and return will 5,000 fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance 0 does not guarantee future results. Current performance may be lower or higher than the performance quoted. For 05 06 07 08 09 10 11 12 13 performance data current to the most recent month end, please call 1-877-778-2100. These performance results represent the change in net asset value of an investment over a stated period, assuming the reinvestment of MFS Growth R3 $22,025 dividends and capital gain distributions.

Market Timing: Frequent exchanging of investment options may harm long-term investors. Your plan and/or the fund have Annual Performance* policies to detect and deter exchanges that may be abusive. Those policies may require us to modify or suspend purchase or Fund Index exchange privileges. 2012 17.12% 15.26% Prospectus: Investors should consider the fund’s investment objectives, risks, charges and expenses before 2011 -0.62% 2.64% investing. The prospectus, and if available the summary prospectus, contain complete information about the 2010 15.70% 16.71% investment options available through your plan. Please call 1-877-778-2100 for a free prospectus and if available, a 2009 38.16% 37.21% summary prospectus that contain this and other information about our mutual funds. You should read the 2008 -37.60% -38.44% prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when investing in securities.

Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark definitions.

Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, Newark, NJ 07102.

0156208

RidgeWorth Mid-Cap Value Equity I Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks to provide capital appreciation; current income is as a secondary objective. The fund invests at least 80% of INVESTMENT RidgeWorth Investments its net assets (plus any borrowings for investment purposes) in U.S.-traded equity securities of mid-capitalization companies. The ADVISOR: subadviser considers mid-capitalization companies to be companies with market capitalizations similar to those of companies in FUND Mid-Cap Value the Russell Midcap® Value Index. CATEGORY: INDEX: Russell Mid Cap Value TR USD® There is no assurance the objectives of the Fund will be met.

NET ASSETS: $2,668.5 Million Small and mid sized companies may present greater opportunities for capital appreciation, but may also involve greater risks than INCEPTION DATE: 11/30/2001 larger companies. As a result, the value of stocks issued by these companies may fluctuate more than stocks of larger issuers. TICKER SYMBOL: SMVTX SHARE CLASS: Inst GROSS EXPENSE RATIO: 1.09% of Fund Assets OVERALL # OF FUNDS IN Top Five Holdings As of 8/31/2013 Top Five Sectors As of 8/31/2013 MORNINGSTAR CATEGORY: 363 Cabot Corporation ...... 2.66% Financial Services ...... 18.20% OVERALL MORNINGSTAR RATINGTM: #### Agilent Technologies Inc ...... 2.63% Industrials ...... 18.17% Intersil Corporation ...... 2.56% Real Estate ...... 12.83% PORTFOLIO Don Wordell, CFA Lazard Ltd ...... 2.44% Energy ...... 11.56% MANAGER: Joy Global, Inc...... 2.44% Basic Materials ...... 9.90%

Overall Morningstar Rating as of quarter ending Holdings and Sector allocations are ranked as a percentage of net assets and subject to change without notice. 09/30/2013. The Morningstar Rating shown is for the share class of this Fund only; other classes may have Portfolio Allocation As of 8/31/2013 Portfolio Characteristics As of 8/31/2013 different performance characteristics. ©2013 Morningstar, Inc. All Rights Reserved. Additional Fund Index Morningstar information is available in the User Guide. Weighted Geometric Market Cap. $7.58 $8.11 US Stocks 91.69% Price/Earnings Ratio (Forward) 17.09x 13.46x Investor Risk Profile Price/Book Ratio 1.61x 1.51x Non-US Stocks 6.22% 3-Year Earnings Growth Rate (%) 17.17 12.25

Cash 2.09%

MorningstarStyle BoxTM As of 09/30/2013 As of 09/30/2013 Performance*(%) Domestic equity funds are placed in Cumulative Returns Average Annual Total Returns a category based on the style and Since size of the stocks they typically own. The style and size parameters QTD YTD 1 Year 3 Year 5 Year 10 Year Inception are based on the divisions used in Fund 7.63 21.19 28.49 16.29 14.48 12.44 NA the investment style box: Value, Index 5.89 22.94 27.77 17.27 11.86 10.91 --- Blend, or Growth style and Small, TM Medium, or Large geometric Morningstar Rating ### #### ##### average market capitalization. # of Funds in Category 412 363 303 175

*Fees that Prudential Retirement and its affiliates receive in connection with plan investments in this fund include Results of $10,000 Investment* an annual sub-accounting and/or servicing fee of up to 0.50%.

Such fees, if applicable to this fund, compensate Prudential Retirement for selling the fund’s shares and servicing your 40,000 retirement plan. The fund’s expense ratio includes these fees. Other investment options may generate more or less revenue 35,000 than the fees associated with this fund. If the aggregate revenue from your plan exceeds our associated costs, we earn a profit. 30,000 Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options 25,000 do not include such shares to compensate us for distribution and plan servicing. 20,000 15,000 Performance: The performance quoted represents past performance. The investment value and return will 10,000 5,000 fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance 0 does not guarantee future results. Current performance may be lower or higher than the performance quoted. For 02 03 04 05 06 07 08 09 10 11 12 performance data current to the most recent month end, please call 1-877-778-2100. These performance results represent the change in net asset value of an investment over a stated period, assuming the reinvestment of RidgeWorth Mid-Cap Value Equity I $36,679 dividends and capital gain distributions.

1 Prospectus: Investors should consider the fund’s investment objectives, risks, charges and expenses before 2011 -7.31% -1.38% 4 investing. The prospectus, and if available the summary prospectus, contain complete information about the 7 2010 27.66% 24.75% investment options available through your plan. Please call 1-877-778-2100 for a free prospectus and if available, a 0 2009 46.98% 34.21% summary prospectus that contain this and other information about our mutual funds. You should read the 0 prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when 1 2008 -34.79% -38.44%

1 investing in securities. 1 2 Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark 5 definitions. 1 6 Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, Newark, NJ 07102.

0156208

Ave Maria Catholic Values Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks long-term capital appreciation. The fund invests primarily in common stocks believed to be priced at a INVESTMENT Schwartz Investment Counsel Inc discount to their true value according to the Adviser's criteria for value. Under normal circumstances, all of its equity investments ADVISOR: (which include common stocks, preferred stocks and securities convertible into common stock) and at least 80% of its net assets FUND Mid-Cap Blend will be invested in companies meeting its religious criteria (as discussed below). The fund invests in securities of established CATEGORY: companies of various market capitalizations. INDEX: Russell Mid Cap TR USD® There is no assurance the objectives of the Fund will be met. NET ASSETS: $231.6 Million INCEPTION DATE: 5/1/2001 Small and mid sized companies may present greater opportunities for capital appreciation, but may also involve greater risks than TICKER SYMBOL: AVEMX larger companies. As a result, the value of stocks issued by these companies may fluctuate more than stocks of larger issuers. SHARE CLASS: No Load GROSS EXPENSE RATIO: 1.50% of Fund Assets OVERALL # OF FUNDS IN Top Five Holdings As of 8/31/2013 Top Five Sectors As of 8/31/2013 MORNINGSTAR CATEGORY: 338 GNC Holdings Inc ...... 3.95% Financial Services ...... 18.48% OVERALL MORNINGSTAR RATINGTM: ## Stryker Corporation ...... 3.56% Consumer Cyclical ...... 18.36% Lowe's Companies Inc...... 3.56% Healthcare ...... 15.02% PORTFOLIO George P. Schwartz, CFA Halliburton Company ...... 3.20% Energy ...... 14.61% MANAGERS: Gregory R. Heilman, CFA Western Union Company ...... 3.11% Technology ...... 12.52%

Overall Morningstar Rating as of quarter ending Holdings and Sector allocations are ranked as a percentage of net assets and subject to change without notice. 09/30/2013. The Morningstar Rating shown is for the share class of this Fund only; other classes may have Portfolio Allocation As of 8/31/2013 Portfolio Characteristics As of 8/31/2013 different performance characteristics. ©2013 Morningstar, Inc. All Rights Reserved. Additional Fund Index Morningstar information is available in the User Guide. Weighted Geometric Market Cap. $12.94 $8.94 US Stocks 94.26% Price/Earnings Ratio (Forward) 15.52x 16.53x Investor Risk Profile Price/Book Ratio 2.18x 2.22x Cash 3.49% 3-Year Earnings Growth Rate (%) 17.34 17.23

Other 2.25%

MorningstarStyle BoxTM As of 09/30/2013 Performance*(%) As of 09/30/2013

Domestic equity funds are placed in Cumulative Returns Average Annual Total Returns a category based on the style and Since size of the stocks they typically own. The style and size parameters QTD YTD 1 Year 3 Year 5 Year 10 Year Inception are based on the divisions used in Fund 5.95 16.09 16.09 13.46 9.85 7.75 NA the investment style box: Value, Index 7.70 24.34 27.91 17.53 12.97 10.78 --- Blend, or Growth style and Small, TM Medium, or Large geometric Morningstar Rating ## ## ## average market capitalization. # of Funds in Category 404 338 302 188 *Fees that Prudential Retirement and its affiliates receive in connection with plan investments in this fund include Results of $10,000 Investment* a 12b-1 fee of up to 0.25% and may include an annual sub-accounting and/or servicing fee of up to 0.25%.

Such fees, if applicable to this fund, compensate Prudential Retirement for selling the fund’s shares and servicing your 30,000 retirement plan. The fund’s expense ratio includes these fees. Other investment options may generate more or less revenue 25,000 than the fees associated with this fund. If the aggregate revenue from your plan exceeds our associated costs, we earn a profit. Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options 20,000 do not include such shares to compensate us for distribution and plan servicing. 15,000 10,000 Performance: The performance quoted represents past performance. The investment value and return will 5,000 fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance 0 does not guarantee future results. Current performance may be lower or higher than the performance quoted. For 02 03 04 05 06 07 08 09 10 11 12 performance data current to the most recent month end, please call 1-877-778-2100. These performance results represent the change in net asset value of an investment over a stated period, assuming the reinvestment of Ave Maria Catholic Values $25,668 dividends and capital gain distributions.

Market Timing: Frequent exchanging of investment options may harm long-term investors. Your plan and/or the fund have Annual Performance* policies to detect and deter exchanges that may be abusive. Those policies may require us to modify or suspend purchase or Fund Index exchange privileges. 2012 13.34% 17.28% Prospectus: Investors should consider the fund’s investment objectives, risks, charges and expenses before 2011 -1.34% -1.55% investing. The prospectus, and if available the summary prospectus, contain complete information about the 2010 20.54% 25.48% investment options available through your plan. Please call 1-877-778-2100 for a free prospectus and if available, a 2009 37.60% 40.48% summary prospectus that contain this and other information about our mutual funds. You should read the 2008 -36.83% -41.46% prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when investing in securities.

Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark definitions.

Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, Newark, NJ 07102.

0156208

Ave Maria Opportunity Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks long-term capital appreciation. The fund invests primarily in common stocks believed to be priced at a INVESTMENT Schwartz Investment Counsel Inc discount to their true value according to the Adviser's criteria for value. It may invest in common stocks of companies of any ADVISOR: capitalization and, under normal circumstances, will emphasize investments in mid-capitalization ("mid-cap"), small capitalization FUND Mid-Cap Blend ("small-cap") and micro capitalization ("micro-cap") companies. Under normal circumstances, all of the fund's equity investments CATEGORY: and at least 80% of its net assets will be invested in companies meeting the fund's religious criteria. INDEX: Russell Mid Cap TR USD® There is no assurance the objectives of the Fund will be met. NET ASSETS: $46.5 Million INCEPTION DATE: 5/1/2006 Small and mid sized companies may present greater opportunities for capital appreciation, but may also involve greater risks than TICKER SYMBOL: AVESX larger companies. As a result, the value of stocks issued by these companies may fluctuate more than stocks of larger issuers. SHARE CLASS: Other GROSS EXPENSE RATIO: 1.46% of Fund Assets OVERALL # OF FUNDS IN Top Five Holdings As of 8/31/2013 Top Five Sectors As of 8/31/2013 MORNINGSTAR CATEGORY: 338 Avnet Inc ...... 4.29% Technology ...... 21.34% OVERALL MORNINGSTAR RATINGTM: ## Outerwall Inc ...... 4.15% Consumer Cyclical ...... 20.32% Biglari Holdings, Inc...... 3.72% Energy ...... 15.67% PORTFOLIO Timothy S. Schwartz, CFA Pan American Silver Corporation ...... 3.26% Financial Services ...... 13.10% MANAGER: Weight Watchers International, Inc...... 3.20% Industrials ...... 12.78%

Overall Morningstar Rating as of quarter ending Holdings and Sector allocations are ranked as a percentage of net assets and subject to change without notice. 09/30/2013. The Morningstar Rating shown is for the share class of this Fund only; other classes may have Portfolio Allocation As of 8/31/2013 Portfolio Characteristics As of 8/31/2013 different performance characteristics. ©2013 Morningstar, Inc. All Rights Reserved. Additional Fund Index Morningstar information is available in the User Guide. US Stocks 82.69% Weighted Geometric Market Cap. $1.81 $8.94 Price/Earnings Ratio (Forward) 6.93x 16.53x Investor Risk Profile Cash 10.07% Price/Book Ratio 1.32x 2.22x 3-Year Earnings Growth Rate (%) 14.11 17.23 Non-US Stocks 5.72%

Other 1.52%

MorningstarStyle BoxTM As of 09/30/2013 As of 09/30/2013 Performance*(%) Domestic equity funds are placed in Cumulative Returns Average Annual Total Returns a category based on the style and Since size of the stocks they typically own. The style and size parameters QTD YTD 1 Year 3 Year 5 Year 10 Year Inception are based on the divisions used in Fund 5.97 16.96 18.73 11.39 8.71 --- 4.50 the investment style box: Value, Index 7.70 24.34 27.91 17.53 12.97 ------Blend, or Growth style and Small, TM Medium, or Large geometric Morningstar Rating ## ## --- average market capitalization. # of Funds in Category 404 338 302 ---

Such fees, if applicable to this fund, compensate Prudential Retirement for selling the fund’s shares and servicing your 15,000 retirement plan. The fund’s expense ratio includes these fees. Other investment options may generate more or less revenue than the fees associated with this fund. If the aggregate revenue from your plan exceeds our associated costs, we earn a profit. 10,000 Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options do not include such shares to compensate us for distribution and plan servicing.

5,000 Performance: The performance quoted represents past performance. The investment value and return will fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance 0 does not guarantee future results. Current performance may be lower or higher than the performance quoted. For 0607080910111213 performance data current to the most recent month end, please call 1-877-778-2100. These performance results represent the change in net asset value of an investment over a stated period, assuming the reinvestment of Ave Maria Opportunity $13,918 dividends and capital gain distributions.

1 Prospectus: Investors should consider the fund’s investment objectives, risks, charges and expenses before 2011 1.29% -1.55% 4 investing. The prospectus, and if available the summary prospectus, contain complete information about the 7 2010 19.16% 25.48% investment options available through your plan. Please call 1-877-778-2100 for a free prospectus and if available, a 0 2009 40.80% 40.48% summary prospectus that contain this and other information about our mutual funds. You should read the 0 prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when 1 2008 -32.19% -41.46%

1 investing in securities. 1 2 Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark 5 definitions. 1 7 Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, Newark, NJ 07102.

0156208

Prudential Jennison Mid Cap Growth A Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks long-term capital appreciation. The fund normally invests at least 80% of its investable assets in equity and INVESTMENT Prudential Investments LLC equity-related securities of medium-sized companies with the potential for above-average growth. In deciding which equities to ADVISOR: buy, it uses what is known as a growth investment style. The fund's investable assets will be less than its total assets to the FUND Mid-Cap Growth extent that it has borrowed money for non-investment purposes, such as to meet anticipated redemptions. CATEGORY: INDEX: Russell Mid Cap Growth TR USD® There is no assurance the objectives of the Fund will be met.

NET ASSETS: $3,669.2 Million Small and mid sized companies may present greater opportunities for capital appreciation, but may also involve greater risks than INCEPTION DATE: 12/31/1996 larger companies. As a result, the value of stocks issued by these companies may fluctuate more than stocks of larger issuers. TICKER SYMBOL: PEEAX SHARE CLASS: A GROSS EXPENSE RATIO: 1.06% of Fund Assets OVERALL # OF FUNDS IN Top Five Holdings As of 8/31/2013 Top Five Sectors As of 8/31/2013 MORNINGSTAR CATEGORY: 634 SBA Communications Corp ...... 2.11% Technology ...... 20.49% OVERALL MORNINGSTAR RATINGTM: #### PVH Corp ...... 2.08% Healthcare ...... 16.65% Henry Schein, Inc...... 2.06% Consumer Cyclical ...... 16.03% PORTFOLIO John P. Mullman, CFA Dollar Tree Stores, Inc...... 2.05% Industrials ...... 13.97% MANAGER: VeriSign, Inc...... 1.99% Consumer Defensive ...... 9.59%

Overall Morningstar Rating as of quarter ending Holdings and Sector allocations are ranked as a percentage of net assets and subject to change without notice. 09/30/2013. The Morningstar Rating shown is for the share class of this Fund only; other classes may have Portfolio Allocation As of 8/31/2013 Portfolio Characteristics As of 8/31/2013 different performance characteristics. ©2013 Morningstar, Inc. All Rights Reserved. Additional Fund Index Morningstar information is available in the User Guide. Weighted Geometric Market Cap. $9.28 $9.75 US Stocks 91.31% Price/Earnings Ratio (Forward) 20.76x 20.79x Investor Risk Profile Price/Book Ratio 3.11x 3.97x Non-US Stocks 6.78% 3-Year Earnings Growth Rate (%) 22.57 21.4

Cash 1.9%

MorningstarStyle BoxTM As of 09/30/2013 As of 09/30/2013 Performance*(%) Domestic equity funds are placed in Cumulative Returns Average Annual Total Returns a category based on the style and Since size of the stocks they typically own. The style and size parameters QTD YTD 1 Year 3 Year 5 Year 10 Year Inception are based on the divisions used in Fund 9.15 19.18 19.27 16.07 12.85 11.28 NA the investment style box: Value, Index 9.34 25.42 27.54 17.65 13.92 10.16 --- Blend, or Growth style and Small, TM Medium, or Large geometric Morningstar Rating ### #### ##### average market capitalization. # of Funds in Category 690 634 551 408

*This Fund has been established and managed by affiliates of Prudential Retirement. A portion of the revenue Results of $10,000 Investment* received by those affiliates in connection with this Fund is transferred to Prudential Retirement. The balance is retained by the affiliates.

40,000 Such fees, if applicable to this fund, compensate Prudential Retirement for selling the fund’s shares and servicing your 35,000 retirement plan. The fund’s expense ratio includes these fees. Other investment options may generate more or less revenue 30,000 than the fees associated with this fund. If the aggregate revenue from your plan exceeds our associated costs, we earn a profit. 25,000 Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options 20,000 do not include such shares to compensate us for distribution and plan servicing. 15,000 10,000 5,000 Performance: The performance quoted represents past performance. The investment value and return will 0 fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance 02 03 04 05 06 07 08 09 10 11 12 does not guarantee future results. Current performance may be lower or higher than the performance quoted. For performance data current to the most recent month end, please call 1-877-778-2100. These performance results Prudential Jennison Mid Cap Growth A $38,622 represent the change in net asset value of an investment over a stated period, assuming the reinvestment of dividends and capital gain distributions.

2011 2.11% -1.65% Prospectus: Investors should consider the fund’s investment objectives, risks, charges and expenses before 2010 19.98% 26.38% investing. The prospectus, and if available the summary prospectus, contain complete information about the 2009 40.57% 46.29% investment options available through your plan. Please call 1-877-778-2100 for a free prospectus and if available, a 2008 -36.17% -44.32% summary prospectus that contain this and other information about our mutual funds. You should read the prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when investing in securities.

Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark definitions.

Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, Newark, NJ 07102.

0156208

AllianzGI NFJ Small-Cap Value A Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks long-term growth of capital and income. The fund normally invests at least 80% of its net assets (plus INVESTMENT Allianz Global Inv Fund Mgmt LLC borrowings made for investment purposes) in common stocks and other equity securities of companies with smaller market ADVISOR: capitalizations. It currently considers smaller market capitalization companies to be companies with market capitalizations of FUND Small Value between $100 million and $4 billion. The fund normally invests significantly in securities of companies that the portfolio managers CATEGORY: expect will generate income (for example, by paying dividends). INDEX: Russell 2000 Value TR USD® There is no assurance the objectives of the Fund will be met. NET ASSETS: $2,266.1 Million INCEPTION DATE: 1/20/1997 Small and mid sized companies may present greater opportunities for capital appreciation, but may also involve greater risks than TICKER SYMBOL: PCVAX larger companies. As a result, the value of stocks issued by these companies may fluctuate more than stocks of larger issuers. SHARE CLASS: A GROSS EXPENSE RATIO: 1.21% of Fund Assets OVERALL # OF FUNDS IN Top Five Holdings As of 8/31/2013 Top Five Sectors As of 8/31/2013 MORNINGSTAR CATEGORY: 302 Cooper Companies ...... 1.49% Industrials ...... 23.06% OVERALL MORNINGSTAR RATINGTM: #### Alliant Techsystems Inc ...... 1.47% Financial Services ...... 16.88% Belden, Inc...... 1.36% Basic Materials ...... 13.05% PORTFOLIO Morley D. Campbell, CFA Energen Corp ...... 1.32% Consumer Cyclical ...... 11.02% MANAGERS: John R. Mowrey Bristow Group, Inc...... 1.32% Energy ...... 9.88% Benno J. Fischer, CFA Holdings and Sector allocations are ranked as a percentage of net assets and subject to change without notice. Paul A. Magnuson

As of 8/31/2013 As of 8/31/2013 Overall Morningstar Rating as of quarter ending Portfolio Allocation Portfolio Characteristics 09/30/2013. The Morningstar Rating shown is for the Fund Index share class of this Fund only; other classes may have different performance characteristics. ©2013 US Stocks 88.47% Weighted Geometric Market Cap. $2.57 $1.11 Morningstar, Inc. All Rights Reserved. Additional Price/Earnings Ratio (Forward) 14x 16.66x Morningstar information is available in the User Guide. Cash 5.76% Price/Book Ratio 1.65x 1.33x 3-Year Earnings Growth Rate (%) 13.34 13.56 Non-US Stocks 3.25% Investor Risk Profile Other 2.52%

Performance*(%) As of 09/30/2013  Morningstar Style BoxTM As of 09/30/2013 Cumulative Returns Average Annual Total Returns Since Domestic equity funds are placed in QTD YTD 1 Year 3 Year 5 Year 10 Year Inception a category based on the style and Fund 8.04 21.46 24.73 15.26 10.84 11.77 NA size of the stocks they typically own. The style and size parameters Index 7.59 23.07 27.04 16.57 9.13 9.29 --- TM are based on the divisions used in Morningstar Rating ### #### ##### the investment style box: Value, # of Funds in Category 362 302 255 152 Blend, or Growth style and Small, Medium, or Large geometric *Fees that Prudential Retirement and its affiliates receive in connection with plan investments in this fund include average market capitalization. a 12b-1 fee of up to 0.25% and may include an annual sub-accounting and/or servicing fee of up to 0.25%.

Such fees, if applicable to this fund, compensate Prudential Retirement for selling the fund’s shares and servicing your Results of $10,000 Investment* retirement plan. The fund’s expense ratio includes these fees. Other investment options may generate more or less revenue than the fees associated with this fund. If the aggregate revenue from your plan exceeds our associated costs, we earn a profit. Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options 40,000 35,000 do not include such shares to compensate us for distribution and plan servicing. 30,000 25,000 Performance: The performance quoted represents past performance. The investment value and return will 20,000 fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance 15,000 does not guarantee future results. Current performance may be lower or higher than the performance quoted. For 10,000 performance data current to the most recent month end, please call 1-877-778-2100. These performance results 5,000 represent the change in net asset value of an investment over a stated period, assuming the reinvestment of 0 dividends and capital gain distributions. 02 03 04 05 06 07 08 09 10 11 12 Market Timing: Frequent exchanging of investment options may harm long-term investors. Your plan and/or the fund have AllianzGI NFJ Small-Cap Value A $34,659 policies to detect and deter exchanges that may be abusive. Those policies may require us to modify or suspend purchase or exchange privileges. Annual Performance* 1 Fund Index Prospectus: Investors should consider the fund’s investment objectives, risks, charges and expenses before 4 investing. The prospectus, and if available the summary prospectus, contain complete information about the 7 2012 10.33% 18.05% investment options available through your plan. Please call 1-877-778-2100 for a free prospectus and if available, a 0 2011 2.11% -5.50% summary prospectus that contain this and other information about our mutual funds. You should read the 0 prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when 1 2010 24.89% 24.50% 1 2009 23.94% 20.58% investing in securities. 1

2 2008 -26.45% -28.92% Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark 5 definitions. 1 8 Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, Newark, NJ 07102.

0156208

JPMorgan Small Cap Growth A Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks long-term capital growth primarily by investing in a portfolio of equity securities of small-capitalization and INVESTMENT J.P. Morgan Investment Management emerging growth companies. The fund normally invests at least 80% of assets in the securities of small capitalization companies. ADVISOR: Inc. Small cap companies are companies with market capitalizations equal to those within the universe of the Russell 2000® Growth FUND Small Growth Index stocks at the time of purchase. In implementing its main strategies, the fund will invest primarily in common stocks. CATEGORY: Typically, it invests in securities of companies with a history of above-average growth, as well as companies expected to have INDEX: Russell 2000 Growth TR USD® above-average growth.

NET ASSETS: $287.8 Million There is no assurance the objectives of the Fund will be met. INCEPTION DATE: 7/1/1991 TICKER SYMBOL: PGSGX Small and mid sized companies may present greater opportunities for capital appreciation, but may also involve greater risks than SHARE CLASS: A larger companies. As a result, the value of stocks issued by these companies may fluctuate more than stocks of larger issuers. GROSS EXPENSE RATIO: 1.44% of Fund Assets OVERALL # OF FUNDS IN Top Five Holdings As of 8/31/2013 Top Five Sectors As of 8/31/2013 MORNINGSTAR CATEGORY: 615 Financial Engines, Inc...... 1.63% Technology ...... 29.37% OVERALL MORNINGSTAR RATINGTM: #### Wolverine World Wide ...... 1.63% Healthcare ...... 20.05% Novadaq Technologies Inc...... 1.55% Consumer Cyclical ...... 16.14% PORTFOLIO Eytan M. Shapiro, CFA Middleby Corporation ...... 1.53% Industrials ...... 15.36% MANAGERS: Christopher Mark Jones, CFA Dril-Quip, Inc...... 1.53% Financial Services ...... 5.96%

Overall Morningstar Rating as of quarter ending Holdings and Sector allocations are ranked as a percentage of net assets and subject to change without notice. 09/30/2013. The Morningstar Rating shown is for the share class of this Fund only; other classes may have Portfolio Allocation As of 8/31/2013 Portfolio Characteristics As of 8/31/2013 different performance characteristics. ©2013 Morningstar, Inc. All Rights Reserved. Additional Fund Index Morningstar information is available in the User Guide. Weighted Geometric Market Cap. $1.67 $1.53 US Stocks 94.83% Price/Earnings Ratio (Forward) 25.89x 23.04x Investor Risk Profile Price/Book Ratio 2.95x 3.53x Non-US Stocks 3.2% 3-Year Earnings Growth Rate (%) NA 19.79

Cash 1.97%

MorningstarStyle BoxTM As of 09/30/2013 Performance*(%) As of 09/30/2013

Domestic equity funds are placed in Cumulative Returns Average Annual Total Returns a category based on the style and Since size of the stocks they typically QTD YTD 1 Year 3 Year 5 Year 10 Year Inception own. The style and size parameters are based on the divisions used in Fund 12.92 35.80 33.66 20.53 15.10 11.21 NA the investment style box: Value, Index 12.80 32.47 33.07 19.96 13.17 9.85 --- Blend, or Growth style and Small, TM ### ### #### Medium, or Large geometric Morningstar Rating average market capitalization. # of Funds in Category 695 615 546 359 *Fees that Prudential Retirement and its affiliates receive in connection with plan investments in this fund include Results of $10,000 Investment* a finder's fee, a 12b-1 fee of up to 0.25%, and an annual sub-accounting and/or servicing fee of up to 0.30%.

Such fees, if applicable to this fund, compensate Prudential Retirement for selling the fund’s shares and servicing your 35,000 retirement plan. The fund’s expense ratio includes these fees. Other investment options may generate more or less revenue 30,000 than the fees associated with this fund. If the aggregate revenue from your plan exceeds our associated costs, we earn a profit. 25,000 Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options 20,000 do not include such shares to compensate us for distribution and plan servicing. 15,000 10,000 Performance: The performance quoted represents past performance. The investment value and return will 5,000 fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance 0 does not guarantee future results. Current performance may be lower or higher than the performance quoted. For 02 03 04 05 06 07 08 09 10 11 12 performance data current to the most recent month end, please call 1-877-778-2100. These performance results represent the change in net asset value of an investment over a stated period, assuming the reinvestment of JPMorgan Small Cap Growth A $34,657 dividends and capital gain distributions.

Market Timing: Frequent exchanging of investment options may harm long-term investors. Your plan and/or the fund have Annual Performance* policies to detect and deter exchanges that may be abusive. Those policies may require us to modify or suspend purchase or Fund Index exchange privileges. 2012 12.23% 14.59% Prospectus: Investors should consider the fund’s investment objectives, risks, charges and expenses before 2011 -3.53% -2.91% investing. The prospectus, and if available the summary prospectus, contain complete information about the 2010 33.77% 29.09% investment options available through your plan. Please call 1-877-778-2100 for a free prospectus and if available, a 2009 38.70% 34.47% summary prospectus that contain this and other information about our mutual funds. You should read the 2008 -43.26% -38.54% prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when investing in securities.

Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark definitions.

Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, Newark, NJ 07102.

0156208

American Funds EuroPacific Gr R2 Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks long-term growth of capital. The fund invests primarily in common stocks of issuers in Europe and the Pacific INVESTMENT Capital Research and Management Basin that the investment adviser believes have the potential for growth. Growth stocks are stocks that the investment adviser ADVISOR: Company believes have the potential for above-average capital appreciation. It normally invests at least 80% of net assets in securities of FUND Foreign Large Blend issuers in Europe and the Pacific Basin. The fund may invest a portion of its assets in common stocks and other securities of CATEGORY: companies in countries with developing economies and/or markets. INDEX: MSCI ACWI Ex USA NR USD® There is no assurance the objectives of the Fund will be met. NET ASSETS: $1,000.7 Million INCEPTION DATE: 5/31/2002 Investing in foreign securities presents certain unique risks not associated with domestic investments, such as currency fluctuation TICKER SYMBOL: RERBX and political and economic changes. This may result in greater share price volatility. SHARE CLASS: Retirement GROSS EXPENSE RATIO: 1.60% of Fund Assets OVERALL # OF FUNDS IN MORNINGSTAR CATEGORY: 697 Top Five Holdings As of 6/30/2013 Top Five Countries As of 6/30/2013 OVERALL MORNINGSTAR RATINGTM: #### Novo Nordisk A/S ...... 3.91% Japan ...... 13.71% SOFTBANK Corp ...... 3.35% United Kingdom ...... 12.68% PORTFOLIO MANAGERS: Jonathan Knowles Novartis AG ...... 2.31% Germany ...... 8.63% Sung Lee Bayer AG ...... 2.24% Switzerland ...... 7.97% Nicholas J. Grace Samsung Electronics Co Ltd ...... 1.96% France ...... 6.90% Jesper Lyckeus Holdings and Country allocations are ranked as a percentage of net assets and subject to change without notice. Christopher M. Thomsen Portfolio Allocation As of 6/30/2013 Portfolio Characteristics As of 6/30/2013 Overall Morningstar Rating as of quarter ending 09/30/2013. The Morningstar Rating shown is for the Fund Index share class of this Fund only; other classes may have Non-US Stocks 91.83% Weighted Geometric Market Cap. $34.55 $30.61 different performance characteristics. ©2013 Cash 5.04% Price/Earnings Ratio (Forward) 13.63x 13.51x Morningstar, Inc. All Rights Reserved. Additional Other 1.74% Morningstar information is available in the User Guide. Price/Book Ratio 1.75x 1.49x US Stocks 0.85% 3-Year Earnings Growth Rate (%) 21.32 11.99 Investor Risk Profile US Bonds 0.25% Preferred 0.19%

Non-US Bonds 0.1%

Performance*(%) As of 09/30/2013 Results of $10,000 Investment* Cumulative Returns Average Annual Total Returns Since 30,000 QTD YTD 1 Year 3 Year 5 Year 10 Year Inception 25,000 Fund 9.27 11.04 17.03 5.91 6.32 8.70 NA 20,000 Index 10.09 10.04 16.48 5.95 6.26 8.77 --- TM 15,000 Morningstar Rating ### #### #### 10,000 # of Funds in Category 786 697 618 317 5,000 0 *Fees that Prudential Retirement and its affiliates receive in connection with plan investments in this fund include 02 03 04 05 06 07 08 09 10 11 12 a 12b-1 fee of up to 0.75% and may include an annual sub-accounting and/or servicing fee of up to 0.25%.

American Funds EuroPacific Gr R2 $26,661 Such fees, if applicable to this fund, compensate Prudential Retirement for selling the fund’s shares and servicing your retirement plan. The fund’s expense ratio includes these fees. Other investment options may generate more or less revenue Annual Performance* than the fees associated with this fund. If the aggregate revenue from your plan exceeds our associated costs, we earn a profit. Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options Fund Index do not include such shares to compensate us for distribution and plan servicing. 2012 18.32% 16.83% 2011 -14.24% -13.71% Performance: The performance quoted represents past performance. The investment value and return will fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance 2010 8.55% 11.15% does not guarantee future results. Current performance may be lower or higher than the performance quoted. For 2009 37.97% 41.45% performance data current to the most recent month end, please call 1-877-778-2100. These performance results 2008 -41.04% -45.53% represent the change in net asset value of an investment over a stated period, assuming the reinvestment of dividends and capital gain distributions.

Market Timing: Frequent exchanging of investment options may harm long-term investors. Your plan and/or the fund have policies to detect and deter exchanges that may be abusive. Those policies may require us to modify or suspend purchase or exchange privileges. 1

7 Prospectus: Investors should consider the fund’s investment objectives, risks, charges and expenses before

0 investing. The prospectus, and if available the summary prospectus, contain complete information about the

0 investment options available through your plan. Please call 1-877-778-2100 for a free prospectus and if available, a 1 summary prospectus that contain this and other information about our mutual funds. You should read the 1 prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when 1

2 investing in securities.

5 Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark

1 definitions.

9 Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, Newark, NJ 07102.

0156224

Columbia Acorn International A Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks long-term capital appreciation. Under normal circumstances, the fund invests at least 75% of its total assets INVESTMENT Columbia Wanger Asset Management, in foreign companies in developed markets (for example, Japan, Canada and the United Kingdom) and in emerging markets (for ADVISOR: LLC example, China, India and Brazil). It normally invests a majority of its net assets in the common stock of small- and mid-sized FUND Foreign Small/Mid Growth companies with market capitalizations under $5 billion at the time of investment. CATEGORY: INDEX: MSCI World Ex US NR USD® There is no assurance the objectives of the Fund will be met.

NET ASSETS: $1,281.1 Million Investing in foreign securities presents certain unique risks not associated with domestic investments, such as currency fluctuation INCEPTION DATE: 10/13/2000 and political and economic changes. This may result in greater share price volatility. TICKER SYMBOL: LAIAX SHARE CLASS: A GROSS EXPENSE RATIO: 1.31% of Fund Assets OVERALL # OF FUNDS IN MORNINGSTAR CATEGORY: 113 Top Five Holdings As of 8/31/2013 Top Five Countries As of 8/31/2013 OVERALL MORNINGSTAR RATINGTM: #### Far Eastone Telecommunications Co., Ltd...... 1.45% Japan ...... 21.53% CCL Industries Inc...... 1.26% Taiwan ...... 7.73% PORTFOLIO MANAGERS: P. Zachary Egan, CFA Coronation Fund Managers Ltd...... 1.25% United Kingdom ...... 7.59% Louis J. Mendes, CFA Hexagon AB ...... 1.22% Canada...... 4.79% Melco Crown Entertainment Ltd ADR ...... 1.15% China ...... 4.71% Overall Morningstar Rating as of quarter ending 09/30/2013. The Morningstar Rating shown is for the Holdings and Country allocations are ranked as a percentage of net assets and subject to change without notice. share class of this Fund only; other classes may have different performance characteristics. ©2013 Portfolio Allocation As of 8/31/2013 Portfolio Characteristics As of 8/31/2013 Morningstar, Inc. All Rights Reserved. Additional Fund Index Morningstar information is available in the User Guide. Weighted Geometric Market Cap. $2.44 $34.42 Non-US Stocks 94.76% Investor Risk Profile Price/Earnings Ratio (Forward) 17.16x 14.25x Price/Book Ratio 2.18x 1.52x US Stocks 2.7% 3-Year Earnings Growth Rate (%) 16.02 10.71

Other 2.53% Results of $10,000 Investment*

45,000 Performance*(%) As of 09/30/2013 40,000 35,000 Cumulative Returns Average Annual Total Returns 30,000 Since 25,000 20,000 QTD YTD 1 Year 3 Year 5 Year 10 Year Inception 15,000 Fund 8.84 15.05 19.82 9.00 11.27 13.03 NA 10,000 5,000 Index 11.31 14.66 21.45 7.89 6.12 8.18 --- 0 Morningstar RatingTM ## ### ##### 02 03 04 05 06 07 08 09 10 11 12 # of Funds in Category 136 113 88 58 Columbia Acorn International A $42,691 *Fees that Prudential Retirement and its affiliates receive in connection with plan investments in this fund include a finder's fee, a 12b-1 fee of up to 0.25%, and an annual sub-accounting and/or servicing fee of up to 0.25%. Annual Performance* Fund Index Such fees, if applicable to this fund, compensate Prudential Retirement for selling the fund’s shares and servicing your 2012 21.21% 16.41% retirement plan. The fund’s expense ratio includes these fees. Other investment options may generate more or less revenue than the fees associated with this fund. If the aggregate revenue from your plan exceeds our associated costs, we earn a profit. 2011 -14.37% -12.21% Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options 2010 22.23% 8.95% do not include such shares to compensate us for distribution and plan servicing. 2009 50.40% 33.67% 2008 -46.09% -43.56% Performance: The performance quoted represents past performance. The investment value and return will fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance does not guarantee future results. Current performance may be lower or higher than the performance quoted. For performance data current to the most recent month end, please call 1-877-778-2100. These performance results represent the change in net asset value of an investment over a stated period, assuming the reinvestment of dividends and capital gain distributions.

Prospectus: Investors should consider the fund’s investment objectives, risks, charges and expenses before investing. The prospectus, and if available the summary prospectus, contain complete information about the investment options available through your plan. Please call 1-877-778-2100 for a free prospectus and if available, a summary prospectus that contain this and other information about our mutual funds. You should read the prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when investing in securities. Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark definitions.

Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, Newark, NJ 07102.

0156224

Invesco International Growth A Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks long-term growth of capital. The fund invests primarily in equity securities and depositary receipts of foreign INVESTMENT Invesco Advisers, Inc. issuers. It normally invests in securities of issuers located in at least three different countries outside of the U.S. The fund may ADVISOR: also invest up to 1.25 times the amount of the exposure to emerging markets countries in the MSCI ACWI ex USA Growth Index. FUND Foreign Large Growth The fund invests primarily in the securities of large-capitalization issuers; however, the fund may invest a significant amount of its CATEGORY: net assets in the securities of mid-capitalization issuers. INDEX: MSCI EAFE Growth NR USD® There is no assurance the objectives of the Fund will be met. NET ASSETS: $2,597.5 Million INCEPTION DATE: 4/7/1992 Investing in foreign securities presents certain unique risks not associated with domestic investments, such as currency fluctuation TICKER SYMBOL: AIIEX and political and economic changes. This may result in greater share price volatility. SHARE CLASS: A GROSS EXPENSE RATIO: 1.38% of Fund Assets OVERALL # OF FUNDS IN MORNINGSTAR CATEGORY: 230 Top Five Holdings As of 6/30/2013 Top Five Countries As of 6/30/2013 OVERALL MORNINGSTAR RATINGTM: ##### Reed Elsevier PLC ...... 2.52% United Kingdom ...... 20.75% Compass Group PLC ...... 2.27% Switzerland ...... 9.85% PORTFOLIO MANAGERS: Richard Nield, CFA Sap AG ...... 2.14% Germany ...... 9.66% Mark Jason, CFA British American Tobacco PLC ...... 2.11% Canada...... 8.96% Clas G. Olsson Roche Holding AG ...... 2.02% China ...... 6.48% Matthew W. Dennis, CFA Holdings and Country allocations are ranked as a percentage of net assets and subject to change without notice. Shuxin (Steve) Cao, CFA Portfolio Allocation As of 6/30/2013 Portfolio Characteristics As of 6/30/2013 Overall Morningstar Rating as of quarter ending 09/30/2013. The Morningstar Rating shown is for the Fund Index share class of this Fund only; other classes may have Weighted Geometric Market Cap. $33.31 $34.00 different performance characteristics. ©2013 Price/Earnings Ratio (Forward) 13.81x 17.16x Morningstar, Inc. All Rights Reserved. Additional Non-US Stocks 92.54% Morningstar information is available in the User Guide. Price/Book Ratio 2.13x 2.27x 3-Year Earnings Growth Rate (%) 18.32 15.27

Investor Risk Profile Cash 7.46%

Performance*(%) As of 09/30/2013 Results of $10,000 Investment* Cumulative Returns Average Annual Total Returns Since 35,000 QTD YTD 1 Year 3 Year 5 Year 10 Year Inception 30,000 Fund 10.66 12.27 16.44 8.90 7.93 10.12 NA 25,000 20,000 Index 10.50 16.54 23.27 8.88 6.79 8.00 --- TM 15,000 Morningstar Rating #### #### ##### 10,000 # of Funds in Category 254 230 190 113 5,000 0 *Fees that Prudential Retirement and its affiliates receive in connection with plan investments in this fund include 02 03 04 05 06 07 08 09 10 11 12 a finder's fee, a 12b-1 fee of up to 0.25%, and an annual sub-accounting and/or servicing fee of up to 0.45%.

Invesco International Growth A $29,331 Such fees, if applicable to this fund, compensate Prudential Retirement for selling the fund’s shares and servicing your retirement plan. The fund’s expense ratio includes these fees. Other investment options may generate more or less revenue Annual Performance* than the fees associated with this fund. If the aggregate revenue from your plan exceeds our associated costs, we earn a profit. Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options Fund Index do not include such shares to compensate us for distribution and plan servicing. 2012 15.15% 16.86% 2011 -7.04% -12.11% Performance: The performance quoted represents past performance. The investment value and return will fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance 2010 12.41% 12.25% does not guarantee future results. Current performance may be lower or higher than the performance quoted. For 2009 34.93% 29.36% performance data current to the most recent month end, please call 1-877-778-2100. These performance results 2008 -40.77% -42.70% represent the change in net asset value of an investment over a stated period, assuming the reinvestment of dividends and capital gain distributions.

7 Prospectus: Investors should consider the fund’s investment objectives, risks, charges and expenses before

0 investing. The prospectus, and if available the summary prospectus, contain complete information about the

2 investing in securities.

5 Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark

2 definitions.

0 Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, Newark, NJ 07102.

0156224

American Funds American Balanced R2 Third Quarter 2013 Fund Fact Sheet

Objective/Description Key Facts The investment seeks conservation of capital, current income and long-term growth of capital and income. The fund uses a INVESTMENT Capital Research and Management balanced approach to invest in a broad range of securities, including common stocks and investment-grade bonds. It also invests in ADVISOR: Company securities issued and guaranteed by the U.S. government and by federal agencies and instrumentalities. In addition, the fund may FUND Moderate Allocation invest a portion of its assets in common stocks, most of which have a history of paying dividends, bonds and other securities of CATEGORY: issuers domiciled outside the United States. INDEX: Morningstar Moderately Aggr Target Risk® Keep in mind that application of asset allocation and diversification concepts does not ensure a profit or protect against loss in a declining market. It is possible to lose money by investing in securities. NET ASSETS: $1,221.1 Million 5/21/2002 INCEPTION DATE: There is no assurance the objectives of the Fund will be met. TICKER SYMBOL: RLBBX SHARE CLASS: Retirement GROSS EXPENSE RATIO: 1.37% of Fund Assets OVERALL # OF FUNDS IN Top Five Holdings As of 6/30/2013 Top Five Sectors As of 6/30/2013 MORNINGSTAR CATEGORY: 773 Home Depot, Inc...... 3.35% Financial Services ...... 18.34% OVERALL MORNINGSTAR RATINGTM: #### Boeing Co ...... 2.65% Industrials ...... 15.73% PORTFOLIO Jeffrey T. Lager Amazon.com Inc ...... 2.39% Consumer Cyclical ...... 13.27% MANAGERS: Dina N. Perry Chevron Corp ...... 2.31% Healthcare ...... 11.03% John H. Smet Wells Fargo & Co ...... 2.29% Technology ...... 10.61% Alan N. Berro Holdings and Sector allocations are ranked as a percentage of net assets and subject to change without notice. Eugene P. Stein, CFA Portfolio Allocation As of 6/30/2013 Portfolio Characteristics As of 6/30/2013

Overall Morningstar Rating as of quarter ending Fund Index 09/30/2013. The Morningstar Rating shown is for the US Stocks 62.81% Weighted Geometric Market Cap. $76.00 $21.72 share class of this Fund only; other classes may have different performance characteristics. ©2013 US Bonds 19.68% Price/Earnings Ratio (Forward) 15.38x 14.28x Morningstar, Inc. All Rights Reserved. Additional Non-US Stocks 8.49% Price/Book Ratio 2.29x 1.75x Morningstar information is available in the User Guide. Cash 5.9% 3-Year Earnings Growth Rate (%) 14.88 14.55 Non-US Bonds 1.78% Investor Risk Profile Other 1.33% Preferred 0.01%

Performance*(%) As of 09/30/2013 Cumulative Returns Average Annual Total Returns Results of $10,000 Investment* Since QTD YTD 1 Year 3 Year 5 Year 10 Year Inception

Fund 3.62 12.72 14.00 11.88 8.66 6.30 NA 25,000 Index 6.03 13.22 15.35 11.32 9.05 8.46 --- TM 20,000 Morningstar Rating ##### #### ### 15,000 # of Funds in Category 912 773 699 426 10,000 *Fees that Prudential Retirement and its affiliates receive in connection with plan investments in this fund include 5,000 a 12b-1 fee of up to 0.75% and may include an annual sub-accounting and/or servicing fee of up to 0.25%.

0 Such fees, if applicable to this fund, compensate Prudential Retirement for selling the fund’s shares and servicing your 02 03 04 05 06 07 08 09 10 11 12 retirement plan. The fund’s expense ratio includes these fees. Other investment options may generate more or less revenue than the fees associated with this fund. If the aggregate revenue from your plan exceeds our associated costs, we earn a profit. American Funds American Balanced R2 $20,630 Otherwise, we incur a loss. Other share classes of this fund may have a lower expense ratio, but your plan’s investment options do not include such shares to compensate us for distribution and plan servicing. Annual Performance* Fund Index Performance: The performance quoted represents past performance. The investment value and return will 2012 13.32% 14.33% fluctuate so that an investment, when redeemed, may be worth more or less than original cost. Past performance 2011 does not guarantee future results. Current performance may be lower or higher than the performance quoted. For 3.05% -1.93% performance data current to the most recent month end, please call 1-877-778-2100. These performance results 2010 12.14% 14.92% represent the change in net asset value of an investment over a stated period, assuming the reinvestment of 2009 20.14% 27.55% dividends and capital gain distributions. 2008 -26.33% -30.65% Market Timing: Frequent exchanging of investment options may harm long-term investors. Your plan and/or the fund have policies to detect and deter exchanges that may be abusive. Those policies may require us to modify or suspend purchase or exchange privileges.

Benchmark performance including the index is unmanaged and cannot be invested in directly. See User Guide for Benchmark definitions.

Fund shares are offered to your plan by Prudential Investment Management Services LLC, Three Gateway Center, Newark, NJ 07102.

0156207

Risk Tolerance Quiz

Still not sure what your risk tolerance is? Answer the following questions to help get a clearer picture.

Please indicate how concerned you are about the Your experience with various investments can affect following by circling the score next to your answer: how you feel about the investments in your account. Please answer the following relative to your investment experience or 1) The possibility that I won’t earn enough in my your comfort level regarding investments account over the long term: I am very concerned 10 6) One of the investments in your program has I am somewhat concerned 7 performed very well for a few years. If it suddenly I am not concerned 3 dropped 15 percent in 3 months, what would you do? 2) The possible loss of “buying power” or Sell immediately 0 “quality of life” from the effects of inflation: Hold it 6 I am very concerned 6 Buy more 8 I am somewhat concerned 4 I am not concerned 1 7) You would describe your experience with stocks or stock funds as: 3) The possibility of wide swings in the value A great deal of experience 6 A fair amount of experience 4 of my account over 1–3 months: Very little experience 2 I am very concerned 0 None 1 I am somewhat concerned 4 I am not concerned 12 8) You would describe your experience with bonds or bond funds as: 4) The possibility of wide swings in the value A great deal of experience 5 of my account over 1–2 years: A fair amount of experience 3 I am very concerned 2 Very little experience 2 I am somewhat concerned 6 None 1 I am not concerned 12 9) You would describe your comfort level with stocks or 5) Which of the following causes you the most stock funds as: concern about the investments in your account? A great deal 12 My future ability to get back at least the A fair amount 10 same amount of money that I put in 2 Very little 4 That my money is not earning enough 6 None 0 How much I have gained or lost this month 0 10) You would describe your comfort level with bonds or bond funds as: A great deal 7 A fair amount 4 1 Very little 3 4

7 None 0 0 0 1 1 1 2 5 2

1 To determine your score: Add up the points What Your Score Indicates: assigned to all ten of your answers. If you scored 0 – 40 points, you may be a Conservative investor. If you scored 41 – 60 points, you may be a Moderate Total Score: ______investor. If you scored 61 or more points, you may be an Aggressive investor. Sub plan number Sub plan name

000001 Archdiocese of Detroit 000002 Diocese of Grand Rapids 000003 Diocese of Saginaw 000004 Diocese of Marquette 000005 Diocese of Lansing 000006 Michigan Catholic Conference 000007 Diocese of Gaylord 000008 Diocese of Kalamazoo 165

Enrollment Form Michigan Catholic Conference 403(b) Plan Instructions Please print using blue or black ink. Note: You should use this form if you are enrolling in the plan for the first time. Keep a copy of this form for your records and return the Questions? original to your Benefits/Human Resources Office. Call 1-877-778-2100 for assistance. Attention: Benefits/Human Resources Office - Please fax or send completed form to Prudential.

About Plan number Sub plan number You 008147

Social Security number Daytime telephone number

-- - - area code First name MI Last name

Address

City State ZIP code

- Date of birth Gender Original date employed M F month day year month day year

Marital status q Married q Not married

Investment Fill out Option I, Option II or Option III. Please complete only one option. Allocation By completion of Option I or Option II you enroll in GoalMaker, Prudential’s asset allocation program, and you direct Prudential to invest your contribution(s) according to a GoalMaker model portfolio that is based on your risk toler- (Please fill ance and time horizon. You can also direct Prudential to automatically rebalance your account quarterly according out Option to the model portfolio chosen. Enrollment in GoalMaker can be canceled at anytime. I, Option II, Please refer to the Retirement Workbook for more information on rebalancing and age adjustment.

1 or Option 4

7 III. Do not Option I or Option II must be completed accurately, otherwise your investment allocation will be placed in 0

0 fill out more GoalMaker with age adjustment. 1 1

1 than one Option III must be completed accurately and received by Prudential before assets are accepted; otherwise, 2

5 option.) contributions will be placed in the default investment option selected by your plan. Upon receipt of your completed 2

2 enrollment form, all future contributions will be allocated according to your investment selection. You must contact Prudential to transfer any existing funds from the default option.

Ed. 11/2013 Important information and signature required on the following page(s) Investment Option I - Choose GoalMaker with Age Adjustment Allocation By selecting your risk tolerance, and confirming your expected retirement age below, your contributions will be (continued) automatically invested in a GoalMaker model portfolio that is based on your risk tolerance and years left until retirement. You also confirm your participation in GoalMaker’s age adjustment feature, which adjusts your (Please fill allocations over time based on your years left until retirement. out Option I, Option II, Select Your Risk Tolerance q Conservative q Moderate q Aggressive or Option III. Do not Confirm Your Expected Retirement Age fill out more Expected Retirement Age: 65 than one q Yes. Please use the default Expected Retirement Age listed above option.) q No. Please use as my expected retirement age.

Option II - Choose GoalMaker without Age Adjustment I do not want to take advantage of GoalMaker’s age adjustment feature. Please invest my contributions according to the model portfolios selected below. Time Horizon GoalMaker Model Portfolio (years until retirement) (check one box only) Conservative Moderate Aggressive 0 to 5 Years q C01 q M01 q R01 6 to 10 Years q C02 q M02 q R02 11 to 15 Years q C03 q M03 q R03 16 + Years q C04 q M04 q R04

Social Security Number______OR

Option III - Design your own investment allocation If you would like to design your own asset allocation instead of selecting GoalMaker, designate the percentage of your contribution to be invested in each of the available investment options. (Please use whole percentages. The column(s) must total 100%.)

I wish to allocate my contributions to the Plan as follows:

Percent Codes Investment Options Allocated % XV Guaranteed Income Fund % HY American Funds Bond Fund of America R3 % 35 Ave Maria Bond R % 4P Dreyfus Bond Market Index Fund % M6 Invesco High Yield Fund A % GQ American Funds American Balanced R2 % GS American Funds Washington Mutual R2 % 7D LKCM Aquinas Value % W6 MFS Growth R3 % RV Prudential Stock Index Fund Class A % 36 Ave Maria Catholic Values % 38 Ave Maria Opportunity % LH Prudential Jennison Mid Cap Growth Class A % IA RidgeWorth Mid-Cap Value Equity I % S3 AllianzGI NFJ Small Cap Value Fund % W1 JPMorgan Small Cap Growth A % GX American Funds EuroPacific Growth Fund R2 % 77 Columbia Acorn International A % LQ Invesco International Growth Fund A 100 % Total

Your

1 I certify that the information above is accurate and complete. If I have chosen to contribute to the Plan, I give 4 Authorization 7 my employer permission to contribute a portion of my salary to the Plan according to the instructions above. 0 0 1 1

1 Signature X Date 2 5 2 3

Social Security Number______This page left intentionally blank. 367 Beneficiary Designation Form 7 Michigan Catholic Conference 403(b) Plan About Plan number Sub plan number You 008147 (Please print Social Security number Daytime telephone number using blue or -- - - black ink.) area code First nameMI Last name

Address

City State ZIP code

- Date of birth

month day year

I designate the following as beneficiary of my account with regard to the percentage(s) I have indicated below. Please Your list additional beneficiaries, along with percentages they are to receive on a separate page, if needed. Indicate whether Beneficiary the additional beneficiary(ies) is/are primary or secondary beneficiary(ies). Designation (See (A) Primary Beneficiary(ies) (B) Secondary Beneficiary(ies) “Instructions for Choosing FULL LEGAL NAME FULL LEGAL NAME your Address Address Beneficiary”) % % Social Security number Percentage Social Security number Percentage

Date of Birth Relationship to you Date of Birth Relationship to you

Telephone number Telephone number

FULL LEGAL NAME FULL LEGAL NAME

Address Address % % Social Security number Percentage Social Security number Percentage

Date of Birth Relationship to you Date of Birth Relationship to you 1 4 7

0 Telephone number Telephone number 0 1 1

1 Please use whole percentages – must total 100% Please use whole percentages – must total 100% 2 5 2 4 Your Authorization Signature X Date

Ed. 11/2013 DID YOU REMEMBER TO: • Sign the form • Initial any changes • Use whole numbers 367

30 Scranton Office Park Scranton, PA 18507-1789 Instructions for Choosing Your Beneficiary Please print using blue or black ink. Keep a copy for your records and send the original form to the address above or fax it to 1-866-439-8602.

General Provisions Any benefit will be payable upon your death will be made to the person(s) named on the attached beneficiary form. Please be careful in completing the form; be sure that your designation is accurate, clear and understandable.

A. The terms of the plan govern the payment of any benefit.

B. Primary beneficiary(ies). If more than one person is named, payment will be made in equal shares to the Primary beneficiary(ies) who is living at the time the benefit first becomes payable. If a percentage is indicated and a Primary beneficiary(ies) is not alive at the time the benefit first becomes payable, the percentage of that beneficiary's designated share will be divided equally among the surviving Primary beneficiary(ies).

C. If there is no Primary beneficiary(ies) living at the time of the participant's death, any benefit that becomes payable will be distributed to the surviving Secondary beneficiary(ies) listed, if applicable.

D. Payment to Secondary beneficiary(ies) will be made according to the rules of succession described under Primary beneficiary(ies) in provision B above.

E. If no designated beneficiary(ies) is alive when payment is otherwise payable, payment will be made in accordance with the contract.

F. If the option to purchase an annuity is available, once payments have begun, any settlement of any amount thereafter payable shall be governed by the terms of such annuity.

G. If a Trust is named as beneficiary, any payment to the Trust will be made as if the Trustee is acting in such fiduciary capacity until written notice to the contrary is received.

Examples of Beneficiary Designations If you feel that none of the examples below fit the type of beneficiary designation you want, please send a detailed description of what you propose to Prudential.

Use the term:

1. "My Living Children" if you want all your children (born or adopted of any marriage) living at the time of payment to equally share the benefit. This will also include all such children born or adopted after you completed the form. Do not include the names of your children if you use this term.

2. "My Living Trust" if you want to designate your Living Trust. You must also give the name(s) of the Trustee(s), name(s) of the successor Trustee(s) (Trustee and Successor Trustee cannot be the participant), the date of the Trust Agreement and the address if a bank or trust company is the Trustee.

3. "My Testamentary Trust" if you want to designate the Trust in your Last Will and Testament. Do not name your Trustee.

4. "My Estate" if you want the benefit to be paid to your estate.

5. "(Name), Per Stirpes" if you want the payment(s) to be paid up to and including the second generation of descendants. For example, if a beneficiary in such class is not living when a payment is due, such payment will be made in equal shares to any living sons and daughters (born or adopted of any marriage), of such beneficiary. If there are no living sons and daughters of such beneficiary when a payment is due, payment will be made to the estate of the last to die of the participant or such beneficiary. An example of a correct designation would be Jane Doe, Per Stirpes. 7 81 Salary Reduction Agreement Michigan Catholic Conference 403(b) Plan

Instructions Please keep a copy of your records and bring the completed form to your Payroll Office to initiate your contribution update. The employer's copy should be used to adjust payroll records and then should be filed permanently. Attention: It is not necessary to return this form to Prudential.

If you are a new participant you must also complete the "Enrollment Form" before authorizing payroll reductions. Your plan administrator or payroll department will be able to furnish you with the name of a qualified enrolling representative or call our toll free number. Unless a properly completed "Enrollment Form" is received, an account cannot be established for you.

You are: J J J A new participant Increasing contributions ______Decreasing contributions previous amount

Plan number Sub plan number (if applicable) About Questions? You 008147 000001 Call 1-877-778-2100 for assistance. Social Security number Daytime telephone number -- - - area code First name MI Last name

Contribution For the purpose of obtaining the benefits of Section 403(b) of the Internal Revenue Code, until further notice, I Agreement authorize my employer to reduce my salary by: J J J Weekly Bi-Weekly Monthly Beginning with the pay period date I I I I I I I I I I I month day year The amount of each salary reduction made as described above shall be transmitted to Prudential as a contribution under the above mentioned plan number issued by Prudential, the terms of which confer upon me non-forfeitable rights to the benefits provided by such contributions. This salary reduction agreement is legally binding and irrevoca- ble with respect to amounts paid while it is in effect. The number of times I may change this agreement is subject to any restrictions in my employer’s 403(b) plan. 1

4 I hereby authorize my employer to make payroll deductions as I have indicated.

7 Your 0

0 Authorization 1 1

1 X Date 2

5 Participant’s signature 2 5

Ed.Ed. 3/2001 3/2001 Your Retirement Workbook

Michigan Catholic Conference 403(b) Plan

Prudential Retirement 200 Wood Avenue South Iselin, NJ 08830

008147-000001

0179158 0179178 0179346 0179121-00001-00

147001112501