The Fund Specifications in these new objective funds will be the following: • Funds in the Fund Bundles must be primarily invested in short-term, asset-backed securities. • The Fund Bundles may invest only in non-government agency and government-sponsored enterprises (Ages). The Fund Standard will be changed to the following: • The Fund Standard will reflect that only funds held in the Asset-Backed Fund, Fund Series and Fund Builder Fund are permitted as fund objective in the Fund Encores. • Funds held in the Fund Encores will not include funds held in the Fund Standard, which will remain unchanged. • In addition, the value of the Fund Standard has been significantly lowered to reflect current fund market conditions. There may be a time lag between the receipt of your funds and the effect of these changes. The Fund Standard changes will take effect 30 days after we receive written notice from you of changes to the fund objective. FORWARD-LOOKING STATEMENTS We respect your investment decisions and the privacy of our customers. We may, in our sole discretion, use proprietary analytical measures to monitor or review the performance or trading activity of your account. We may use this information, in conjunction with market conditions, to improve investment performance, and help prevent or mitigate market risks. Furthermore, we also want to ensure that your investment has a secure and cost-effective investing experience, and to help with diversification. In particular, there may be instances when we are permitted to use certain market information to make investment decisions only upon a specific legal basis in order to manage risk and protect our customers. You should be aware that many of the measures described in this disclosure are used in order to protect our customers or other users of our services, and that they represent our current business practices. Any such measures, as well as information provided through the Service, could be considered a trade secret or confidential technical or business information and that you might never be allowed to be certain about the information being provided or its use. FORWARD-LOOKING STATEMENTS FOR FUND OF YOURSELF AND THE BUNDLE Please refer to the following descriptions to learn more about the fund objective, fee-based strategy and pricing strategy for the Fund of Your Own. The Fund of Your Own contains one or more investment options that may include a purchase or redemption of Shares at a particular price or on a specific date.
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CHANGES TO YOUR INVESTMENT OPTIONS As part of our ongoing fund management and product simplification initiatives, we plan to make some necessary changes in the fund selection available through your
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