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Understanding the Plan’s Investment Options

Automatic Solution— T. Rowe Price Retirement Date Funds

Highly diversified mutual funds

Helps you meet your changing financial needs now and during retirement

Professionally managed for your stage of retirement planning

Your only step is to decide when you want to retire

Investment options are designed to help you capitalize on growth opportunities to build assets during your retirement savings years

Automatically grows more conservative as your retirement date nears

Manual Solution— Remaining investment options

Build a portfolio using the core investment options from your retirement plan account

Review, revise and rebalance your portfolio periodically

Make adjustments when your circumstances change

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