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LifeCycle Funds

LifeCycle Funds

Placement of investment options within each risk spectrum is only in relation to the investment options within that specific spectrum. Placement does not reflect risk relative to the investment options shown in the other risk spectrums.

For each risk spectrum below, investment options to the left have potentially more inflation risk and less investment risk

For each risk spectrum below, investment options to the right have potentially less inflation risk and more investment risk

Risk Spectrum for Lifecycle

Fidelity Freedom Income Fund® Fidelity Freedom 2000 Fund® Fidelity Freedom 2005 Fund® Fidelity Freedom 2010 Fund®

Fidelity Freedom 2015 Fund® Fidelity Freedom 2020 Fund® Fidelity Freedom 2025 Fund® Fidelity Freedom 2030 Fund®

Fidelity Freedom 2035 Fund® Fidelity Freedom 2040 Fund® Fidelity Freedom 2045 Fund® Fidelity Freedom 2050 Fund®

Your Birth Date*

Fund Name

Target Retirement Years

Before 1933 January 1, 1933 - December 31, 1937 January 1, 1938 - December 31, 1942 January 1, 1943 - December 31, 1947 January 1, 1948 - December 31, 1952 January 1, 1953 - December 31, 1957 January 1, 1958 - December 31, 1962 January 1, 1963 - December 31, 1967 January 1, 1968 - December 31, 1972 January 1, 1973 - December 31, 1977 January 1, 1978 - December 31, 1982 January 1, 1983 - and later

Fidelity Freedom Income Fund® Fidelity Freedom 2000 Fund® Fidelity Freedom 2005 Fund® Fidelity Freedom 2010 Fund® Fidelity Freedom 2015 Fund® Fidelity Freedom 2020 Fund® Fidelity Freedom 2025 Fund® Fidelity Freedom 2030 Fund® Fidelity Freedom 2035 Fund® Fidelity Freedom 2040 Fund® Fidelity Freedom 2045 Fund® Fidelity Freedom 2050 Fund®

Retired before 1998 1998 - 2002 2003 - 2007 2008 - 2012 2013 - 2017 2018 - 2022 2023 - 2027 2028 - 2032 2033 - 2037 2038 - 2042 2043 - 2047 2048 and later

The lifecycle investment options are represented on a separate spectrum because each investment option (except the income fund, if applicable) will gradually adjust its asset allocation to be more conservative as the investment option approaches and moves beyond its target retirement dates. Generally, those investment options with later target retirement dates have greater equity exposure and more risk than those with earlier target retirement dates.

The chart below illustrates the plan-assigned fund the Oakland County Deferred Compensation Plan believes will best fit your diversification needs should you not select an investment option.

  • *

    Dates selected by plan sponsor.

Lifestage Funds

CONSERVATIVE

Funds to the left have potentially more inflation risk and less investment risk

AGGRESSIVE

Funds to the right have potentially less inflation risk and more investment risk

ASSET ALLOCATION FUNDS

Fidelity Asset Manager® 20%

The portfolio manager of each of the Fidelity Asset Manager® funds has the flexibility to periodically shift investments among the three asset classes (stock, bond, short-term investments), depending on the current outlook for the various markets. The risk level of the Fidelity Asset Manager® funds cannot be portrayed as a single point on the objective spectrum along with the other investment options because they may change periodically according to how the assets are invested. Placement of each Fidelity Asset Manager® fund on this spectrum is in relation to the other Fidelity Asset Manager® funds, which have different investment strategies.

Spectrums

For more information, visit www.fidelity.com/atwork or call 1-800-343-0860.

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