PARTICIPANT FEE DISCLOSURE Page 9 of 11 PART II - FEE AND EXPENSE INFORMATION VARIABLE OPTIONS FEES AND EXPENSES This table shows fee and expense information for the investment options, including the Total Annual Operating Expense, which reduces the rate of return of the investment option. It also shows Shareholder-type Fees and Fund Restrictions, if applicable. These fees are in addition to Total Annual Operating Expenses. Fund Name/ Collective Investment Fund Name Gross Expense Ratio Net Expense Ratio Explicit Asset Fee Total Annual Operating Expenses Cost Per $1,000 Asset Allocation American Funds 2010 Target Date Retirement Fund - Class R6 0.29% 0.29% 0.10% 0.39% $3.90 American Funds 2015 Target Date Retirement Fund - Class R6 0.30% 0.30% 0.10% 0.40% $4.00 American Funds 2020 Target Date Retirement Fund - Class R6 0.31% 0.31% 0.10% 0.41% $4.10 American Funds 2025 Target Date Retirement Fund - Class R6 0.32% 0.32% 0.10% 0.42% $4.20 American Funds 2030 Target Date Retirement Fund - Class R6 0.33% 0.33% 0.10% 0.43% $4.30 American Funds 2035 Target Date Retirement Fund - Class R6 0.35% 0.35% 0.10% 0.45% $4.50 American Funds 2040 Target Date Retirement Fund - Class R6 0.37% 0.37% 0.10% 0.47% $4.70 American Funds 2045 Target Date Retirement Fund - Class R6 0.37% 0.37% 0.10% 0.47% $4.70 American Funds 2050 Target Date Retirement Fund - Class R6 0.38% 0.38% 0.10% 0.48% $4.80 American Funds 2055 Target Date Retirement Fund - Class R6 0.38% 0.38% 0.10% 0.48% $4.80 American Funds 2060 Target Date Retirement Fund - Class R6 0.39% 0.39% 0.10% 0.49% $4.90 American Funds 2065 Target Date Retirement Fund - Class R6 0.39% 0.39% 0.10% 0.49% $4.90 Specialty Cohen & Steers Real Estate Securities Fund, Inc. - Institutional Class 0.84% 0.84% 0.10% 0.94% $9.40 International EuroPacific Growth Fund(R) - Class R6 0.47% 0.47% 0.10% 0.57% $5.70 MFS International Equity Fund - Class R6 0.69% 0.68% 0.10% 0.79% $7.90 New World Fund(SM) - Class R6 0.57% 0.57% 0.10% 0.67% $6.70 Small Cap Fidelity Advisor Small Cap Value Fund - Class Z 0.91% 0.91% 0.10% 1.01% $10.10