Fund Name	Underlying Fund	Asset Class	Benchmark
Diversified Bond Fund	Loomis Sayles Core Plus Fixed Inc Reams Unconstrained Bond Fund Northern Trust Aggregate Bond Index	Bond-Intermediate	Barclays Capital Aggregate Bond Index
Large Company Growth Stock Fund	Wellington Dynamic Growth Fund JP Morgan Growth Advantage Fund Fidelity Growth Company Fund Northern Trust Russell 1000 Growth Index	Large Cap-Growth	Russell 3000 Growth Index
Large Company Blend Stock Fund	Vanguard Dividend Growth Fund Investor Shares Manulife US Large Cap Core Strategy PIMCO RAE Fundamental PLUS Fund Northern Trust S&P 500 Index	Large Cap-Blend	S&P 500 Index
Large Company Value Stock Fund	Dimensional US Large Cap Value Strategy Robeco Boston Partners Large Cap Value Equity Strategy Northern Trust Collective Russell 1000 Value Non-Lending Fund	Large Cap-Value	Russell 1000 Value Index
High Yield Bond Fund	Eaton Vance High Yield Bond Strategy Nomura High Yield Total Return Strategy	Bond-Intermediate1,2	Merrill Lynch U.S. High Yield Index
Real Estate "REIT" Fund	Brookfield US Real Estate Securities Value Income Strategy	Active Real Estate3	NAREIT Equity Index
Small Company Stock Fund	DFA US Small Cap Strategy PENN Capital Small Cap Equity NWQ Small Cap Value Northern Trust Liquidity Fund	Small Cap-Growth4	Russell 2000 Index
International Stock Index Fund	State Street Global All-Cap Equity Ex-US Index	International Equity-Passive5	MSCI All-Country World Ex-USA IMI
Treasury Inflation Protection Securities "TIPS" Index Fund	State Street 1 – 10 Year US Treasury Inflation Protected Securities (TIPS)	Treasury Inflation Protection Securities "TIPS" – Passive6	Barclays 1 – 10 Government Inflation-Linded Bond Index
Large Company Stock Index Fund	State Street S&P 500 Idx Securities Lending Series I	Large Cap-Passive	S&P 500 Index
Small Company Stock Index Fund	State Street Russell Small Cap Index Securities Lending Series I	Small Cap-Passive4	Russell 2000 Index
Bond Index Fund	State Street US Bond Idx Securities Lending Series I	Bond-Passive Intermediate1	Barclays Capital Aggregate Bond Index
SMART Capital Preservation Fund	GSAM Stable Value	Stable Value	Barclays Capital 3-Month US T-Bill Index
International Equity Fund	Harding Loevner Inst'l International Equity Portfolio MFS Inst'l International Equity Fund	International Equity5	MSCI EAFE Index
SMART Real Return Fund	GMO Benchmark-Free Allocation Series Fund R6	Inflation Targeting Strategies7	Barclays US Treasury Inflation 1-10YR Consumer Price Index + 500 Basis Point
SMARTPath Retirement Allocation to SMARTPath 2060	Various options currently included in the Plan	Target Retirement Date8,9	N/A

Please consider the investment objectives, risks, fees and expenses carefully before investing. For this and other important information you may obtain mutual fund prospectuses and disclosure documents by going to the Fund Performance tab. Read them carefully before investing.

1. A bond fund's yield, share price and total return change daily and are based on changes in interest rates, market conditions, economic and political news, and the quality and maturity of its investments. In general, bond prices fall when interest rates rise and vice versa.

2. Compared to higher rated securities, high yield bond investment options are subject to greater risk, including the risk of default.

3. Real estate securities and trusts involve greater risks than other non-diversified investments, including but not limited to: declining property values, varying economic conditions, changes in zoning laws, or losses from casualty. Real estate securities that invest in foreign real estate involve additional risk, including currency fluctuations and political developments.

4. Equity securities of small and mid-sized companies may be more volatile than securities of larger, more established companies.

5. Foreign investments involve special risks, including currency fluctuations, taxation differences and political developments.

6. Certain underlying funds invest in inflation protected bonds ("TIPS"). Unlike conventional bonds, the principal or interest of TIPS is adjusted periodically to a specified rate of inflation (e.g., Consumer Price Index for all Urban Consumers [CPI-U]). There can be no assurance that the inflation index used will accurately measure the actual rate of inflation.

7. The value of commodity-linked investments may be affected by financial factors, political developments and natural disasters. As such, investment options that invest primarily in commodities may experience greater volatility than investments in traditional securities.

8. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds.

9. The date in a target date fund's name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. For more information, please refer to the fund prospectus and/or disclosure document.