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A world of investing for retirement.™ - page 8 / 8

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All the support you need

Getting started in retirement plan sales requires the right support. At Putnam, we are committed to your success, and we offer the resources and services you need to succeed every step of the way. To learn more about building your business with Putnam retirement plans, call our retirement plan specialists at 1-800-719-9914.

Seventeen-time DALBAR winner

I n d u s t r y - l e a d i n g s e r v i c e i s a n i n t e g r a l p a r t of what sets Putnam Investments apart from other mutual fund companies. Putnam is a 17-time winner of the DALBAR Mutual Fund Service Award and a 10-time winner of the DALBAR triple crown, receiving all three awards for excellence in the service provided to investors, to financial advisors, and to variable annuity contract owners. 2 0 0 2

This information should not be considered tax or investment advice. Please consult your tax advisor or financial advisor regarding your particular circumstances and before making any investment decisions.

Investments in mutual funds are not guaranteed and involve risk of loss.

Investors should carefully consider the investment objective, risks, charges, and expenses of a fund before investing. For a prospectus containing this and other information for any Putnam fund or product, call your financial advisor or call Putnam at 1-800-225-1581. Please read the prospectus carefully before investing.

Putnam Retail Management ID759 255153 4/09

Since1937, when George Putnam created a prudent mix of stocks and bonds in a single, professionally managed portfolio, we have championed the wisdom of the balanced approach. Today, we offer a world of equity, fixed-income, multi-asset, and absolute-return portfolios so investors can pursue a range of financial goals. Our seasoned portfolio managers seek superior results over time, backed by original, fundamental research on a global scale. We believe in service excellence, in the value of experienced financial advice, and in putting clients first in everything we do.

In 1830, Massachusetts Supreme Judicial Court Justice Samuel Putnam established The Prudent Man Rule, a legal foundation for responsible money management.

THE PRUDENT MAN RULE All that can be required of a trustee to invest is that he shall conduct himself faithfully and exercise a sound discretion. He is to observe how men of prudence, discretion, and intelligence manage their own affairs, not in regard to speculation, but in regard to the permanent disposi- tion of their funds, considering the probable income, as well as the probable safety of the capital to be invested.

Putnam Retirement Services

One Post Oce Square Boston, MA 02109

1-800-719-9914 putnam.com

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