Your guide to getting started....Plan, listed below, Cleveland Clinic will match 50% of each pretax...

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Your guide to getting started.

We believe in your future financial wellbeing

Cleveland Clinic Savings and Investment Plan (SIP)

Invest some of what you earn today for what you plan toaccomplish tomorrow.

Your Employer offers a generous matching contribution, outstanding convenience, and a variety ofinvestment options. Take a look and see what a difference enrolling in the Plan could make inachieving your goals.

Benefit from:

Matching contributions. Your Employer helps your contributions grow through a generousEmployer match—it’s like getting "free" money. Please note that Employer contributions aresubject to your plan provisions. That’s why it makes good financial sense to take advantage of thisgreat benefit today! See the “Frequently asked questions about your plan” section of this guide foreligibility requirements.

Convenience. Your contributions are automatically deducted regularly from your paycheck.

Tax savings now. Your pretax contributions are deducted from your pay before income taxes aretaken out. This means that you can actually lower the amount of current income taxes you pay eachperiod. It could mean more money in your take-home pay versus saving money in ataxable account.

Tax-deferred savings opportunities. You pay no taxes on any earnings until you withdraw themfrom your account, enabling you to keep more of your money working for you now.

Portability. You can roll over eligible savings from a previous employer into this Plan. You can alsotake your plan vested account balance with you if you leave the company.

Investment options. You have the flexibility to select from investment options that range frommore conservative to more aggressive, making it easy for you to develop a well-diversifiedinvestment portfolio.

Online beneficiary. With Fidelity’s Online Beneficiaries Service, you can designate yourbeneficiaries, receive instant online confirmation, and check your beneficiary information virtuallyany time.

Catch-up contributions. If you make the maximum contribution to your plan account, and you are50 years of age or older during the calendar year, you can make an additional “catch-up”contribution of $6,000 in 2019.

To learn more about what your plan offers, see “Frequently asked questions about your plan” laterin this guide.

Participate in your plan and invest in yourself today.

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clinic or call 1-888-388-2247

Frequently asked questions about your plan.Here are answers to questions you may have about the key features, benefits, and rules of your plan.

When can I enroll in the Plan?

There is no waiting period. You can enroll inthe Plan at any time.

If you have not enrolled in the Plan within 30days from your date of hire, you will beautomatically enrolled in the Plan at acontribution rate of 3% of your pretax eligibleearnings.

Based on your date of birth and assuming aretirement age of 65, you will be invested inthe BlackRock LifePath® Index Fund Class KShares, with a corresponding target retirementdate. Target Date Funds are an asset mix ofstocks, bonds and other investments thatautomatically becomes more conservative asthe fund approaches its target retirement dateand beyond. Principal invested is notguaranteed.

We encourage you to take an active role in thePlan and to choose a contribution rate andinvestment options that are appropriate foryou. If you do not wish to contribute to thePlan, you must change your contribution rateto 0% within the first 30 calendar days of youremployment. You may change yourcontribution rate at any time online, or bycalling the Fidelity Retirement Benefits Line at1-888-388-2247.

How do I enroll in the Plan?

Enroll online at any time, or by calling theFidelity Retirement Benefits Line at1-888-388-2247.

How much can I contribute?

Through automatic payroll deduction, you cancontribute from 1% to 75% in fractional

percentages of your eligible pay on a pretaxbasis.

What is the IRS contribution limit?

The IRS contribution limit for 2019 is $19,000.

When is my enrollment effective?

Your enrollment becomes effective the nextavailable pay period or as soon asadministratively possible.

Does the Employer contribute to myaccount?

If you meet the Eligibility Provisions of thePlan, listed below, Cleveland Clinic will match50% of each pretax dollar you contribute onthe first 6% of pay that you defer to your plan.

SIP Matching Contribution Eligibility

Eligibility for Cleveland Clinic’s matchingcontribution begins immediately and eligiblecaregivers will begin receiving matchingcontributions to the Plan immediately uponhire. However, there are certain caregivergroups that are ineligible for the match. Seebelow for more details.

Ineligible Classifications for MatchingContributions

The following caregiver classifications areineligible for matching contributions; student,resident, fellow, Contract Staff (if stated incontract), any employee accruing benefitsunder the Public Employees RetirementSystem or a member of a collective bargainingunit whose agreement does not provide forparticipation in the Plan. If you have anyquestions about your eligibility for matching

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contributions please contact the ONE HRService Center at 877-688-2247.

How do I designate my beneficiary?

If you have not already selected yourbeneficiaries, or if you have experienced a life-changing event such as a marriage, divorce,birth of a child, or a death in the family, it’s timeto consider your beneficiary designations.Fidelity’s Online Beneficiaries Service, offers astraightforward, convenient process that takesjust minutes. To make your elections, click onthe “Profile” link, then select “Beneficiaries”and follow the online instructions.

What are my investment options?

To help you meet your investment goals, thePlan offers you a range of options. You canselect a mix of investment options that bestsuits your goals, time horizon, and risktolerance. The investment options availablethrough the Plan include conservative,moderately conservative, and aggressivefunds. A complete description of the Plan’sinvestment options and their performance, aswell as planning tools to help you choose anappropriate mix, are available online.

What are the single fund solution options inmy plan?

If the idea of getting professional help tomanage your investments appeals to you, yourplan offers Target Date Funds. With TargetDate Funds, the investment mix of stocks andbonds automatically becomes moreconservative as the target retirement dateapproaches. Principal invested is notguaranteed at any time, including at or afterthe fund’s target date. Choose the fund thatrepresents your anticipated year of retirement.

What are the annuity options in my plan?

An annuity is issued by an insurance companyand purchased by a consumer for long-terminvesting. There are various fees and expensesassociated with annuities, and in certainsituations withdrawal penalties may beapplicable. An annuity is not a mutual fund.

There are two types of annuities, variable andfixed.

Your plan offers a fixed annuity. A fixed annuitylets you lock in a guaranteed rate of interest fora specific period — normally between threemonths and one year. As each “guarantee rateperiod” comes to a close, the insurancecompany sets a new interest rate for theupcoming period.

Interest rates and time periods vary dependingon the annuity contract. Guarantees aresubject to the claims-paying ability of theinsurance company.

Is there a self-directed brokerage option inmy plan?

For those desiring the most investmentflexibility and choice, the Plan offers a self-directed brokerage option, which gives youaccess to many other mutual funds. Acomplete description of the Plan’s investmentoptions and their performance, as well asplanning tools to help you choose anappropriate mix, are available online atNetBenefits. Click on "Quick Links," thenselect "Investment Performance and Research"and follow the online instructions.

What if I don’t make an investmentelection?

We encourage you to take an active role in theCleveland Clinic SIP and choose investmentoptions that best suit your goals, time horizon,and risk tolerance. If you do not select specificinvestment options in the Plan, yourcontributions will be invested in the BlackRockLifePath® Index Fund Class K Shares with thetarget retirement date closest to the year youmight retire, based on your current age andassuming a retirement age of 65, at thedirection of Cleveland Clinic.

If no date of birth or an invalid date of birth ison file at Fidelity your contributions may beinvested in the BlackRock LifePath® IndexRetirement Fund Class K Shares. Moreinformation about the BlackRock LifePath®

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Index Fund Class K Shares options can befound online.

Target Date Funds are an asset mix of stocks,bonds and other investments thatautomatically becomes more conservative asthe fund approaches its target retirement dateand beyond. Principal invested is notguaranteed.

What "catch-up" contribution can I make?

If you have reached age 50 or will reach 50during the calendar year January 1 –December 31 and are making the maximumplan or IRS pretax contribution, you may makean additional “catch-up” contribution each payperiod. The maximum annual catch-upcontribution is $6,000. Going forward, catch-upcontribution limits will be subject to cost ofliving adjustments (COLAs) in $500 increments.

When am I vested?

You are always 100% vested in yourcontributions to the Cleveland Clinic SIP, aswell as any earnings on them. ClevelandClinic’s matching contributions and anyearnings vest according to the followingschedule:

Years of employment Vested percentage1 02 03 100

Can I take a loan from my account?

Although your plan account is intended for thefuture, you may borrow from your account forany reason.

Learn more about and/or request a loanonline, or by calling the Fidelity RetirementBenefits Line at 1-888-388-2247.

Can I move money from another retirementplan into my account in the Cleveland ClinicSIP?

You are permitted to roll over eligible pretaxcontributions from another workplace savingsplan account or eligible pretax contributionsfrom individual retirement accounts (IRAs).

Contact Fidelity for details. You should consultyour tax adviser and carefully consider theimpact of making a rollover contribution toyour employer’s plan because it could affectyour eligibility for future special tax treatments.

Be sure to consider all your availableoptions and the applicable fees and featuresof each before moving your retirementassets.

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Investment OptionsHere is a list of investment options for the Cleveland Clinic SIP. For up-to-date performance information and other fund specifics, goto www.netbenefits.com/clevelandclinic.

Target Date 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 investmentoptions shown in the other risk spectrums.

ptions to the left have potentiallymore inflation risk and less investment risk

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

Investment o Investment o

BlackRock LifePath® Index Retirement

Fund Class K Shares

BlackRock LifePath® Index 2020 Fund

Class K Shares


Class K Shares


Class K Shares


Class K Shares


Class K Shares


Class K Shares


Class K Shares


Class K Shares


Class K

Target date investments are generally designed for investors expecting to retire around the year indicated in each investment‘sname. The investments are managed to gradually become more conservative over time. The investment risks of each target dateinvestment change over time as its asset allocation changes. They are subject to the volatility of the financial markets, includingequity and fixed income investments in the U.S. and abroad and may be subject to risks associated with investing in high yield, smallcap and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates.

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The chart below lists the assigned fund the Cleveland Clinic SIP believes will best fit yourdiversification needs should you not select an investment option.

Your Birth Date* Fund Name Target Retirement Years

Before 1953 BlackRock LifePath® Index Retirement Fund

Class K Shares

Retired before 2018

January 1, 1953 - December 31, 1957 BlackRock LifePath® Index 2020 Fund Class K

Shares

Target Years 2018 - 2022


Shares



Shares



Shares



Shares



Shares



Shares



Shares


January 1, 1993 and later* BlackRock LifePath® Index 2060 Fund Class K Target Years 2058 and beyond

*Dates selected by Plan Sponsor

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Build Your Own/Passively Managed Funds

ft have potentially more inflation risk and less investment risk less inflation risk and more investment risk

CCONSEERVVATIIVE AGGRESSIVE

Investment options to the le Investment options to the right have potentially

BOND STOCKS AND BONDS STOCKS

Bond Balanced/Hybrid Domestic Equities International/

Global

Diversified

Vanguard Total Bond Market IndexFund Institutional Plus Shares

Vanguard Balanced Index FundInstitutional Shares

Large Blend

Vanguard Institutional Index FundInstitutional Plus Shares

Mid Blend

Vanguard Extended Market IndexFund Institutional Plus Shares

Diversified

Vanguard Total International StockIndex Fund Institutional Plus Shares

This spectrum, with the exception of the Domestic Equity category, is based on Fidelity’s analysis of the characteristics of thegeneral investment categories of the investment options and not on the actual security holdings, which can change frequently.Investment options in the Domestic Equity category are based on the options’ Morningstar categories as of 12/31/2018.Morningstar categories are based on a fund’s style as measured by its underlying portfolio holdings over the past three years andmay change at any time. These style calculations do not represent the investment options’ objectives and do not predict theinvestment options’ future styles. Investment options are listed in alphabetical order within each investment category. Riskassociated with the investment options can vary significantly within each particular investment category, and the relative risk ofcategories may change under certain economic conditions. For a more complete discussion of risk associated with the mutual fundoptions, please read the prospectuses before making your investment decision. The spectrum does not represent actual or impliedperformance.

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tions Build Your Own/Actively Managed Funds

ft have potentially more inflation risk and less investment risk less inflation risk and more investment risk

CCONSEERVVATIIVE AGGRESSIVE

Investment options to the le Investment options to the right have potentially

SHORT-TERM INVESTMENT BOND STOCKS ANDBONDS STOCKS

Money Market Stable Value Bond Balanced/Hybrid Domestic Equities International/

Global

Government

Fidelity® Investments MoneyMarket TreasuryOnly - InstitutionalClass

MetLife Fixed -New Account

MetLife Fixed - OldAccount

PrudentialGuaranteedInterest Account

Diversified

Janus HendersonFlexible Bond FundClass N

T. Rowe PriceShort-Term BondFund I Class

TCW Core FixedIncome Fund ClassInstitutional

High Yield

PGIM High YieldFund- Class R6

Fidelity® StrategicReal Return Fund

Large Value

Dodge & CoxStock Fund

John HancockFunds DisciplinedValue FundClass R6

Small Value

DFA U.S. TargetedValue PortfolioInstitutional Class

Victory IntegritySmall-Cap ValueFund Class R6

Large Growth

Fidelity® Contrafund® -Class K

Harbor CapitalAppreciation FundRetirement Class

Mid Growth

William Blair Small-Mid Cap GrowthFund Class I

Small Growth

Wasatch Small CapGrowth Fund® Institutional Class

Diversified

DFA InternationalSmall CompanyPortfolioInstitutional Class

Fidelity® DiversifiedInternational Fund -Class K

HartfordInternational SmallCompany FundClass Y

TempletonInstitutionalForeign SmallerCompanies SeriesAdvisor

TempletonInstitutional FundInternational EquitySeries PrimaryShares

Emerging Markets

DFA EmergingMarkets ValuePortfolioInstitutional Class

Neuberger BermanEmerging MarketsEquity FundClass R6

This spectrum, with the exception of the Domestic Equity category, is based on Fidelity’s analysis of the characteristics of thegeneral investment categories of the investment options and not on the actual security holdings, which can change frequently.Investment options in the Domestic Equity category are based on the options’ Morningstar categories as of 12/31/2018.Morningstar categories are based on a fund’s style as measured by its underlying portfolio holdings over the past three years andmay change at any time. These style calculations do not represent the investment options’ objectives and do not predict theinvestment options’ future styles. Investment options are listed in alphabetical order within each investment category. Riskassociated with the investment options can vary significantly within each particular investment category, and the relative risk ofcategories may change under certain economic conditions. For a more complete discussion of risk associated with the mutual fundoptions, please read the prospectuses before making your investment decision. The spectrum does not represent actual or impliedperformance.

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Fidelity BrokerageLink®

Fidelity BrokerageLink® combines the convenience of your workplace retirement plan with the additional flexibility of a brokerage account. It gives you expanded investment choices to manage your retirement contributions.

e plan fiduciary neither evaluates nor monitors the investments available

you select are suitable for your situation, including your goals, time horizon, and risk tolerance.

ThBrokerageLink® includes investments beyond those in your plan’s lineup

through BrokerageLink. It is your responsibility to ensure that the investments

.

To enroll, and for more information about BrokerageLink,

schedule, and brochure, go to netbenefits.com and click on "Quick Links," then select "BrokerageLink."

including the Plan's BrokerageLink fact sheet, the brokerage commission

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Investment OptionsBefore investing in any mutual fund, consider the investment objectives,risks, charges, and expenses. Contact Fidelity for a mutual fundprospectus or, if available, a summary prospectus containing thisinformation. Read it carefully.

BlackRock LifePath® Index 2020 Fund Class K Shares

VRS Code: 079892

Fund Objective: The investment seeks to provide for retirement outcomes based on quantitatively measured risk.

Fund Strategy: The fund is a "feeder" fund that invests all of its assets in the Master Portfolio, a series of Master InvestmentPortfolio ("MIP") with a substantially identical investment objective, which allocates and reallocates its assets among acombination of equity and bond index funds and money market funds (the "underlying funds") in proportions based on its owncomprehensive investment strategy.

Fund Risk: The target date funds are designed for investors expecting to retire around the year indicated in each fund’s name.The funds are managed to gradually become more conservative over time as they approach their target date. The investmentrisk of each target date fund changes over time as its asset allocation changes. They are subject to the volatility of the financialmarkets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associatedwith investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at orafter their target dates. Additional risk information for this product may be found in the prospectus or other product materials,if available.

Fund short term trading fees: None

Who may want to invest:● Someone who is seeking an investment option that gradually becomes more conservative over time and who is willing to

accept the volatility of the markets.

● Someone who is seeking a diversified mix of stocks, bonds, and short-term investments in one investment option or whodoes not feel comfortable making asset allocation choices over time.

Footnotes:● This description is only intended to provide a brief overview of the mutual fund. Read the fund’s prospectus for more detailed

information about the fund.


VRS Code: 079969










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VRS Code: 079893











VRS Code: 079970











VRS Code: 079894



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VRS Code: 079971











VRS Code: 079895



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VRS Code: 079972










BlackRock LifePath® Index 2060 Fund Class K

VRS Code: 064353



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BlackRock LifePath® Index Retirement Fund Class K Shares

VRS Code: 079891


Fund Strategy: The fund is a "feeder" fund that invests all of its assets in the Master Portfolio, a series of Master InvestmentPortfolio with a substantially identical investment objective, which allocates and reallocates its assets among a combination ofequity and bond index funds and money market funds in proportions based on its own comprehensive investment strategy. Itwill invest, at least 80% of its assets in securities or other financial instruments that are components of or have economiccharacteristics similar to the securities included in its custom benchmark index.

Fund Risk: The fund is subject to the volatility of the financial markets, including that of equity and fixed income investments.Fixed income investments carry issuer default and credit risk, inflation risk, and interest rate risk. (As interest rates rise, bondprices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Principal invested is notguaranteed at any time, including at or after retirement. Additional risk information for this product may be found in theprospectus or other product materials, if available.


Who may want to invest:● Someone who is seeking an investment option intended for people in retirement and who is willing to accept the volatility of

diversified investments in the market.

● Someone who is seeking a diversified mix of stocks, bonds, and short-term investments in one investment option and lookingprimarily for the potential for income and, secondarily, for share-price appreciation.



● The LifePath Index Retirement Fund Custom Benchmark is a customized weighted index comprised of the BloombergBarclays U.S. Aggregate Bond Index, Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) Index (Series L),FTSE EPRA/NAREIT Developed Real Estate Index, MSCI ACWI ex USA IMI Index, Russell 1000 Index and Russell 2000 Index,which are representative of the asset classes in which LifePath Index Retirement Fund invests according to their weightings asof the most recent quarter-end.

DFA Emerging Markets Value Portfolio Institutional Class

VRS Code: 041404

Fund Objective: The investment seeks long-term capital appreciation.

Fund Strategy: The Portfolio is a Feeder Portfolio and pursues its objective by investing substantially all of its assets in itscorresponding master fund, the Dimensional Emerging Markets Value Fund (the "Emerging Markets Value Fund" or "masterfund"), which has the same investment objective and policies as the Portfolio. As a non-fundamental policy, under normalcircumstances, it will invest at least 80% of its net assets in emerging markets investments that are defined in the Prospectus asApproved Markets securities.

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Fund Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of whichmay be magnified in emerging markets. Stock markets are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, economic or other developments. Additional risk information for this product may be found in theprospectus or other product materials, if available.


Who may want to invest:● Someone who is willing to accept the higher degree of risk associated with investing in emerging markets.

● Someone who is seeking to complement a portfolio of domestic investments and/or international investments in developedcountries with investments in developing countries, which can behave differently.



DFA International Small Company Portfolio Institutional Class

VRS Code: 085844


Fund Strategy: As a non-fundamental policy, under normal circumstances, the International Small Company Portfolio, throughits investments in the underlying funds, will invest at least 80% of its net assets in securities of small companies. TheInternational Small Company Portfolio and each underlying fund may invest in affiliated and unaffiliated registered andunregistered money market funds to manage its cash pending investment in other securities or to maintain liquidity for thepayment of redemptions or other purposes.

Fund Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of whichmay be magnified in emerging markets. Value and growth stocks can perform differently from other types of stocks. Growthstocks can be more volatile. Value stocks can continue to be undervalued by the market for long periods of time. The securitiesof smaller, less well-known companies can be more volatile than those of larger companies. Stock markets are volatile and candecline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. Additionalrisk information for this product may be found in the prospectus or other product materials, if available.


Who may want to invest:● Someone who is seeking to complement a portfolio of domestic investments with international investments in smaller

companies, which can behave differently.

● Someone who is willing to accept the higher degree of risk associated both with investing overseas and with investing insmaller companies.



DFA U.S. Targeted Value Portfolio Institutional Class

VRS Code: 042266


Fund Strategy: The fund purchases a broad and diverse group of the readily marketable securities of U.S. small and mid capcompanies that the Advisor determines to be value stocks. It may purchase or sell futures contracts and options on futurescontracts for U.S. equity securities and indices, to adjust market exposure based on actual or expected cash inflows to oroutflows from the fund. The advisor does not intend to sell futures contracts to establish short positions in individual securitiesor to use derivatives for purposes of speculation or leveraging investment returns.

Fund Risk: The securities of smaller, less well-known companies can be more volatile than those of larger companies. Valuestocks can perform differently than other types of stocks and can continue to be undervalued by the market for long periods oftime. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market,economic or other developments. These risks may be magnified in foreign markets. Additional risk information for this productmay be found in the prospectus or other product materials, if available.


Who may want to invest:● Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income.

● Someone who is comfortable with value-style investments and the potentially greater volatility of investments in smallercompanies.

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● Additional Risk Information: Short positions pose a risk because they lose value as a security’s price increases; therefore, theloss on a short sale is theoretically unlimited.

Dodge & Cox Stock Fund

VRS Code: 094769

Fund Objective: The investment seeks long-term growth of principal and income; a secondary objective is to achieve areasonable current income.

Fund Strategy: The fund invests primarily in a diversified portfolio of equity securities. It will invest at least 80% of its totalassets in equity securities, including common stocks, depositary receipts evidencing ownership of common stocks, preferredstocks, securities convertible into common stocks, and securities that carry the right to buy common stocks. The fund mayinvest up to 20% of its total assets in U.S. dollar-denominated securities of non-U.S. issuers traded in the United States that arenot in the S&P 500.

Fund Risk: Value stocks can perform differently than other types of stocks and can continue to be undervalued by the marketfor long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political,regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Additional riskinformation for this product may be found in the prospectus or other product materials, if available.



● Someone who is comfortable with the volatility of large-cap stocks and value-style investments.



● S&P 500 Index is a market capitalization-weighted index of 500 common stocks chosen for market size, liquidity, and industrygroup representation to represent U.S. equity performance.

Fidelity® Contrafund® - Class K

VRS Code: 002080

Fund Objective: Seeks capital appreciation.

Fund Strategy: Investing in securities of companies whose value FMR believes is not fully recognized by the public. Investingin either ’growth’ stocks or ’value’ stocks or both. Normally investing primarily in common stocks.

Fund Risk: The value of the fund’s domestic and foreign investments will vary from day to day in response to many factors.Stock values fluctuate in response to the activities of individual companies, and general market and economic conditions.Investments in foreign securities involve greater risk than U.S. investments. You may have a gain or loss when you sell yourshares.


Who may want to invest:● Someone who is seeking the potential for long-term share-price appreciation.

● Someone who is willing to accept the generally greater price volatility associated with growth-oriented stocks.



● On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those ofthe non-K, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher.

Fidelity® Diversified International Fund - Class K

VRS Code: 002082

Fund Objective: Seeks capital growth.

Fund Strategy: Normally investing primarily in non-U.S. securities. Normally investing primarily in common stocks.

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Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, or economic developments. Foreign securities are subject to interest rate, currency exchange rate,economic, and political risks, all of which are magnified in emerging markets.


Who may want to invest:● Someone who is seeking to complement a portfolio of domestic investments with international investments, which can

behave differently.

● Someone who is willing to accept the higher degree of risk associated with investing overseas.



● On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those ofthe non-K, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher.

Fidelity® Investments Money Market Treasury Only - Institutional Class

VRS Code: 002643

Fund Objective: Seeks as high a level of current income as is consistent with the security of principal and liquidity.

Fund Strategy: The Adviser normally invests at least 99.5% of the fund’s total assets in cash and U.S. Treasury securities.Normally investing in securities whose interest is exempt from state and local income taxes. Investing in compliance withindustry standard regulatory requirements for money market funds for the quality, maturity, liquidity and diversification ofinvestments. The Adviser stresses maintaining a stable $1.00 share price, liquidity, and income. In addition, the Advisernormally invests at least 80% of the fund’s assets in U.S. Treasury securities.

Fund Risk: You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at$1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the FederalDeposit Insurance Corporation or any other government agency. Fidelity Investments and its affiliates, the fund’s sponsor, haveno legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financialsupport to the fund at any time. The fund will not impose a fee upon the sale of your shares, nor temporarily suspend yourability to sell shares if the fund’s weekly liquid assets fall below 30% of its total assets because of market conditions or otherfactors. Interest rate increases can cause the price of a money market security to decrease. A decline in the credit quality of anissuer or a provider of credit support or a maturity-shortening structure for a security can cause the price of a money marketsecurity to decrease.


Who may want to invest:● Someone who has a low tolerance for investment risk and who wishes to keep the value of his or her investment relatively

stable.

● Someone who is seeking to complement his or her bond and stock fund holdings in order to reach a particular assetallocation.



● Initial offering of the Fidelity® Institutional Money Market Treasury Only - Institutional Class took place on May 14, 2014.Returns and expenses prior to that date are those of the Fidelity® Institutional Money Market Treasury Only - Class I. HadFidelity® Institutional Money Market Treasury Only - Institutional Class expenses been reflected in the returns shown, totalreturns would have been higher.

● Fidelity is voluntarily reimbursing a portion of the fund’s expenses. If Fidelity had not, the returns would have been lower.

Fidelity® Strategic Real Return Fund

VRS Code: 001505

Fund Objective: Seeks real return consistent with reasonable investment risk.

Fund Strategy: Allocating the fund’s assets among four general investment categories, using a neutral mix of approximately30% inflation-protected debt securities, 25% floating-rate loans, 25% commodity-linked derivative instruments and relatedinvestments, and 20% REITs and other real estate related investments. Investing in domestic and foreign issuers. Analyzing asecurity’s structural features and current pricing, its issuer’s potential for success, and the credit, currency, and economic risks ofthe security and its issuer to select investments. Using fundamental analysis of factors such as each issuer’s financial conditionand industry position, as well as market and economic conditions, to select investments. Investing in Fidelity’s central funds(specialized investment vehicles used by Fidelity funds to invest in particular security types or investment disciplines).

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Fund Risk: Stock markets, particularly foreign markets, are volatile and can be affected by adverse issuer, political, regulatory,market, or economic developments. Floating rate loans may not be fully collateralized and therefore may decline significantlyin value. A floating rate loan may not be fully collateralized which may cause the loan to decline significantly in value. A floatingrate loan is generally subject to restrictions on resale. Difficulty in selling a floating rate loan may result in a loss. Interest rateincreases can cause the price of a debt security to decrease. Increases in real interest rates can cause the price of inflation-protected debt securities to decrease. Foreign securities are subject to interest rate, currency exchange rate, economic, andpolitical risks. Changes in real estate values or economic downturns can have a significant negative effect on issuers in the realestate industry. Lower-quality bonds can be more volatile and have greater risk of default than higher-quality bonds.Commodity-linked investments can be more volatile and less liquid than the underlying instruments or measures and theirvalue may be affected by the performance of the overall commodities baskets as well as weather, tax, and other regulatorydevelopments. Leverage can increase market exposure and magnify investment risks.


Who may want to invest:● Someone who is seeking to invest in a fund that invests in both stocks and bonds.

● Someone who is seeking the potential both for income and for long-term share-price appreciation and who is willing toaccept the volatility of the bond and stock markets.



Harbor Capital Appreciation Fund Retirement Class

VRS Code: 064494

Fund Objective: The investment seeks long-term growth of capital.

Fund Strategy: The fund invests primarily in equity securities, principally common and preferred stocks, of U.S. companieswith market capitalizations of at least $1 billion at the time of purchase and that the Subadviser considers having aboveaverage prospects for growth. The stocks of mid and large cap companies in the fund’s portfolio are those the Subadviserexpects to maintain or achieve above average earnings growth. The fund may invest up to 20% of its total assets in thesecurities of foreign issuers, including issuers located or doing business in emerging markets.

Fund Risk: Growth stocks can perform differently from the market as a whole and can be more volatile than other types ofstocks. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market,economic or other developments. These risks may be magnified in foreign markets. Additional risk information for this productmay be found in the prospectus or other product materials, if available.



● Someone who is willing to accept the generally greater price volatility associated with growth-oriented stocks.



● The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class’s actualinception of 03/01/2016. These calculated returns reflect the historical performance of the oldest share class of the fund, withan inception date of 12/29/1987, adjusted to reflect the fees and expenses of this share class (when this share class’s fees andexpenses are higher.) Please refer to a fund’s prospectus for information regarding fees and expenses. These adjustedhistorical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied byother entities, including the fund itself.

Hartford International Small Company Fund Class Y

VRS Code: 079982

Fund Objective: The investment seeks capital appreciation.

Fund Strategy: Under normal circumstances, the fund invests at least 80% of its assets in equity securities, including non-dollarsecurities, of foreign small-capitalization companies. The fund diversifies its investments among a number of different countriesthroughout the world, with no limit on the amount of assets that may be invested in each country. The fund’s investmentapproach is to invest in equity securities of foreign issuers that the sub-adviser, Wellington Management Company LLP("Wellington Management"), believes have significant potential for capital appreciation.

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Fund Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of whichmay be magnified in emerging markets. Growth stocks can perform differently from the market as a whole and can be morevolatile than other types of stocks. The securities of smaller, less well-known companies can be more volatile than those oflarger companies. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory,market, economic or other developments. Additional risk information for this product may be found in the prospectus or otherproduct materials, if available.







Janus Henderson Flexible Bond Fund Class N

VRS Code: 026515

Fund Objective: The investment seeks maximum total return, consistent with preservation of capital.

Fund Strategy: The fund normally invests at least 80% of its net assets (plus any borrowings for investment purposes) in bonds.Bonds include, but are not limited to, government notes and bonds, corporate bonds, convertible bonds, commercial andresidential mortgage-backed securities, and zero-coupon bonds. It will invest at least 65% of its assets in investment gradedebt securities. The fund will limit its investment in high-yield/high-risk bonds, also known as "junk" bonds, to 35% or less of itsnet assets.

Fund Risk: In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise,bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed incomesecurities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, mostbond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is notpossible. Additional risk information for this product may be found in the prospectus or other product materials, if available.


Who may want to invest:● Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase in share

price.

● Someone who is seeking to diversify an equity portfolio with a more conservative investment option.




John Hancock Funds Disciplined Value Fund Class R6

VRS Code: 015880

Fund Objective: The investment seeks to provide long-term growth of capital primarily through investment in equitysecurities; current income is a secondary objective.

Fund Strategy: The fund normally invests at least 80% of its net assets in a diversified portfolio consisting primarily of equitysecurities, such as common stocks, of issuers with a market capitalization of $1 billion or greater and identified by the manageras having value characteristics. It may also invest up to 20% of its total assets in foreign currency-denominated securities. Thefund may participate as a purchaser in initial public offerings of securities (IPO).

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Fund Risk: Value stocks can perform differently than other types of stocks and can continue to be undervalued by the marketfor long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political,regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Additional riskinformation for this product may be found in the prospectus or other product materials, if available.



● Someone who is comfortable with the volatility of large-cap stocks and value-style investments.




MetLife Fixed - New Account

VRS Code: 097716

Fund Objective: Seeks to provide a competitive fixed interest rate while offering a guarantee of principal and interest.

Fund Strategy: The MetLife Fixed Account is backed by the General Account of Metropolitan Life Insurance Company. ThisGeneral Account portfolio consists primarily of public and private securities, commercial and residential mortgages and U.S.agency securities. Like most annuity contracts, MetLife contracts contain withdrawal charges and terms for keeping it in force.

Fund Risk: The fund is backed by a diversified portfolio of fixed-income assets held in the general account of the issuer.Guarantees are subject to the claims paying ability of the issuer. Restrictions or fees may apply to exchanges or withdrawals.The Contracts provide for the payment of certain withdrawals and exchanges at book value during the terms of the Contracts.In order to maintain the Contract issuers’ promise to pay such withdrawals and exchanges at book value, the Contracts subjectthe fund and its participants to certain restrictions. For example, withdrawals prompted by certain events (e.g., layoffs, earlyretirement windows, spin-offs, sale of a division, facility closings, plan terminations, partial plan terminations, changes in laws orregulations) may be paid at the market value of the fund’s securities, which may be less than your book value balance or mayrestrict withdrawals in these events.Certain investment options offered by your plan (e.g., money market funds, short term bond funds, certain asset allocation/lifecycle funds and brokerage window) may be deemed by the Contract issuers to "compete" with this fund. The terms of theContracts prohibit you from making a direct exchange from this fund to such competing funds. Instead, you must firstexchange to a non-competing fund for 90 days. While these requirements may seem restrictive, they are imposed by theContract issuers as a condition for the issuer’s promise to pay certain withdrawals and exchanges at book value.This annuity contract contains withdrawal charges and terms for keeping it in force. No restrictions or additional fees, includingsurrender charges, will apply to the amount you withdraw as a result of certain life events. Please see your certificate or contactFidelity for more information. Partial withdrawals or exchanges of up to 20.00% of your account balance may be made in any contract year without incurringcontract surrender charges. Withdrawals or exchanges in excess of 20.00% may be subject to a surrender charge of up to 4.00%of the amount of the excess withdrawal or exchange. Please see your certificate or contact Fidelity for more information.


Who may want to invest:● Someone who seeks a slightly higher yield over the long term than is offered by money market funds, but who is willing to

accept slightly more investment risk.

● Someone who is interested in balancing an aggressive portfolio with an investment that seeks to provide a declared creditingrate that is reset on a periodic basis.

Footnotes:● The investment option is an annuity. The fund is managed by Metropolitan Life Insurance Company. This description is only

intended to provide a brief overview of the fund.

● The MetLife Fixed Account is not a mutual fund and is an annuity contract issued by Metropolitan Life Insurance Company,which guarantees your principal and interest. Information furnished on the MetLife Fixed Account provided through theMetLife Guaranteed Annuity Contract was furnished by MetLife. Fidelity Investments Institutional Services Company, Inc.and Metropolitan Life Insurance Company are not affiliated.

● This investment option is not a mutual fund.

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MetLife Fixed - Old Account

VRS Code: 097741

Fund Objective: Seeks to provide a competitive fixed interest rate while offering a guarantee of principal and interest.

Fund Strategy: The MetLife Fixed Account is backed by the General Account of Metropolitan Life Insurance Company. ThisGeneral Account portfolio consists primarily of public and private securities, commercial and residential mortgages and U.S.agency securities. Like most annuity contracts, MetLife contracts contain withdrawal charges and terms for keeping it in force.

Fund Risk: The fund is backed by a diversified portfolio of fixed-income assets held in the general account of the issuer.Guarantees are subject to the claims paying ability of the issuer. Restrictions or fees may apply to exchanges or withdrawals.The Contracts provide for the payment of certain withdrawals and exchanges at book value during the terms of the Contracts.In order to maintain the Contract issuers’ promise to pay such withdrawals and exchanges at book value, the Contracts subjectthe fund and its participants to certain restrictions. For example, withdrawals prompted by certain events (e.g., layoffs, earlyretirement windows, spin-offs, sale of a division, facility closings, plan terminations, partial plan terminations, changes in laws orregulations) may be paid at the market value of the fund’s securities, which may be less than your book value balance or mayrestrict withdrawals in these events.Certain investment options offered by your plan (e.g., money market funds, short term bond funds, certain asset allocation/lifecycle funds and brokerage window) may be deemed by the Contract issuers to "compete" with this fund. The terms of theContracts prohibit you from making a direct exchange from this fund to such competing funds. Instead, you must firstexchange to a non-competing fund for 90 days. While these requirements may seem restrictive, they are imposed by theContract issuers as a condition for the issuer’s promise to pay certain withdrawals and exchanges at book value.This annuity contract contains withdrawal charges and terms for keeping it in force. No restrictions or additional fees, includingsurrender charges, will apply to the amount you withdraw as a result of certain life events. Please see your certificate or contactFidelity for more information. Partial withdrawals or exchanges of up to 20.00% of your account balance may be made in any contract year without incurringcontract surrender charges. Withdrawals or exchanges in excess of 20.00% may be subject to a surrender charge of up to 4.00%of the amount of the excess withdrawal or exchange. Please see your certificate or contact Fidelity for more information.





Footnotes:● The investment option is an annuity. The fund is managed by Metropolitan Life Insurance Company. This description is only

intended to provide a brief overview of the fund.

● The MetLife Fixed Account is not a mutual fund and is an annuity contract issued by Metropolitan Life Insurance Company,which guarantees your principal and interest. Information furnished on the MetLife Fixed Account provided through theMetLife Guaranteed Annuity Contract was furnished by MetLife. Fidelity Investments Institutional Services Company, Inc.and Metropolitan Life Insurance Company are not affiliated.


Neuberger Berman Emerging Markets Equity Fund Class R6

VRS Code: 071364

Fund Objective: The investment seeks long-term growth of capital.

Fund Strategy: The fund normally invests at least 80% of its net assets, plus the amount of any borrowings for investmentpurposes, in equity securities of issuers in emerging market countries. It may invest in companies of any market capitalization.The fund may also invest in foreign real estate companies.

Fund Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of whichmay be magnified in emerging markets. Stock markets are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, economic or other developments. Additional risk information for this product may be found in theprospectus or other product materials, if available.


Who may want to invest:● Someone who is willing to accept the higher degree of risk associated with investing in emerging markets.

● Someone who is seeking to complement a portfolio of domestic investments and/or international investments in developedcountries with investments in developing countries, which can behave differently.

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PGIM High Yield Fund- Class R6

VRS Code: 026645

Fund Objective: The investment seeks to maximize current income; and capital appreciation is a secondary objective.

Fund Strategy: The fund normally invests at least 80% of its investable assets in a diversified portfolio of high yield fixed-income instruments rated Ba or lower by Moody’s Investors Service (Moody’s) or BB or lower by S&P Global Ratings (Standard& Poor’s), and instruments either rated by another nationally recognized statistical rating organization (NRSRO), or consideredto be of comparable quality, that is, junk bonds.

Fund Risk: The fund may invest in lower-quality debt securities that involve greater risk of default or price changes due topotential changes in the credit quality of the issuer. In general the bond market is volatile, and fixed income securities carryinterest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced forlonger-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers andcounterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by pricevolatility by holding them until maturity is not possible. Additional risk information for this product may be found in theprospectus or other product materials, if available.


Who may want to invest:● Someone interested in a bond fund that provides the potential for both current income and share-price appreciation.

● Someone who is seeking to complement his or her core bond holdings with a bond investment that seeks higher returns fromriskier bonds, and who can tolerate higher risk.




Prudential Guaranteed Interest Account

VRS Code: 075278

Fund Objective: Seeks to credit interest at competitive rates that generally exceed the returns available from money marketinstruments.

Fund Strategy: The Prudential Fixed Account is invested in a portfolio in Prudential’s general account. The bulk of thisportfolio is invested in investment grade fixed-income securities having short to intermediate-term maturities. The majority ofthese investments are made in private placement bonds, mortgage loans, and publicly traded securities such as U.S. Treasurybonds, mortgage backed securities and corporate bonds.

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Fund Risk: The fund is backed by a diversified portfolio of fixed-income assets held in the general account of the issuer.Guarantees are subject to the claims paying ability of the issuer. Restrictions or fees may apply to exchanges or withdrawals.The Contracts provide for the payment of certain withdrawals and exchanges at book value during the terms of the Contracts.In order to maintain the Contract issuers’ promise to pay such withdrawals and exchanges at book value, the Contracts subjectthe fund and its participants to certain restrictions. For example, withdrawals prompted by certain events (e.g., layoffs, earlyretirement windows, spin-offs, sale of a division, facility closings, plan terminations, partial plan terminations, changes in laws orregulations) may be paid at the market value of the fund’s securities, which may be less than your book value balance or mayrestrict withdrawals in these events.Certain investment options offered by your plan (e.g., money market funds, short term bond funds, certain asset allocation/lifecycle funds and brokerage window) may be deemed by the Contract issuers to "compete" with this fund. The terms of theContracts prohibit you from making a direct exchange from this fund to such competing funds. Instead, you must firstexchange to a non-competing fund for 90 days. While these requirements may seem restrictive, they are imposed by theContract issuers as a condition for the issuer’s promise to pay certain withdrawals and exchanges at book value.





Footnotes:● The investment option is an annuity. The fund is managed by Prudential Insurance Company of America. This description is

only intended to provide a brief overview of the fund.

● The Prudential Fixed Account is an annuity contract issued by The Prudential Insurance Company of America, Newark, NJand is backed by the full faith and creditworthiness of the issuer. Information furnished on the Prudential Fixed Accountprovided through the Prudential Guaranteed Interest Account was furnished by Prudential. Fidelity Investments InstitutionalService Company, Inc. and The Prudential Insurance Company of America are not affiliated.


T. Rowe Price Short-Term Bond Fund I Class

VRS Code: 064346

Fund Objective: The investment seeks a high level of income consistent with minimal fluctuation in principal value andliquidity.

Fund Strategy: The fund will invest in a diversified portfolio of short- and intermediate-term investment-grade corporate,government, and asset- and mortgage-backed securities. It may also invest in money market securities, bank obligations,collateralized mortgage obligations, and foreign securities, including securities of issuers in emerging markets. The fund willinvest at least 80% of its net assets (including any borrowings for investment purposes) in bonds. Its average effective maturitywill normally not exceed three years.




price.





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TCW Core Fixed Income Fund Class Institutional

VRS Code: 079946

Fund Objective: The investment seeks to maximize current income and achieve above average total return consistent withprudent investment management over a full market cycle.

Fund Strategy: Under normal circumstances, the fund invests at least 80% of the value of its net assets, plus any borrowingsfor investment purposes, in debt securities. It may invest up to 5% of its net assets in high yield/below investment grade bonds,commonly known as "junk" bonds. The fund may also invest a portion of its assets in bank loans of companies in the high yielduniverse. It may invest in derivative instruments such as options, futures and swap agreements.




price.




Templeton Institutional Foreign Smaller Companies Series Advisor

VRS Code: 018645

Fund Objective: The investment seeks long-term capital growth.

Fund Strategy: Under normal market conditions, the fund invests at least 80% of its net assets in investments of smallercompanies located outside the U.S., including emerging markets. For purposes of this 80% policy, smaller companies aredefined as those with market capitalizations that do not exceed $4 billion. The fund may invest more than 25% of its assets inthe securities of issuers located in any one country.

Fund Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of whichmay be magnified in emerging markets. Value stocks can perform differently than other types of stocks and can continue to beundervalued by the market for long periods of time. The securities of smaller, less well-known companies can be more volatilethan those of larger companies. Stock markets are volatile and can decline significantly in response to adverse issuer, political,regulatory, market, economic or other developments. Additional risk information for this product may be found in theprospectus or other product materials, if available.







Templeton Institutional Fund International Equity Series Primary Shares

VRS Code: 099037

Fund Objective: The investment seeks long-term capital growth.

Fund Strategy: Under normal market conditions, the fund invests at least 80% of its net assets in foreign (non-U.S.) equitysecurities. It predominantly invests in companies located outside the U.S. including companies located in developing marketscountries. The fund may invest in equity securities of any size company, across the entire market capitalization spectrum,including smaller and midsize companies.

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Fund Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of whichmay be magnified in emerging markets. Value stocks can perform differently than other types of stocks and can continue to beundervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response toadverse issuer, political, regulatory, market, economic or other developments. Additional risk information for this product maybe found in the prospectus or other product materials, if available.



behave differently.




Vanguard Balanced Index Fund Institutional Shares

VRS Code: 045153

Fund Objective: The investment seeks to track the performance of the benchmark index that measures the investment returnof the overall U.S. stock market with 60% of its assets; the fund seeks to track the performance of a broad, market-weightedbond index with 40% of its assets.

Fund Strategy: The fund employs an indexing investment approach designed to track the performance of two benchmarkindexes. With approximately 60% of its assets, the fund seeks to track the investment performance of the CRSP US TotalMarket Index. With approximately 40% of its assets, the fund seeks to track the investment performance of the BloombergBarclays U.S. Aggregate Float Adjusted Index.

Fund Risk: Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market,economic or other developments. These risks may be magnified in foreign markets. In general the bond market is volatile, andfixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usuallymore pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks forboth issuers and counterparties. Additional risk information for this product may be found in the prospectus or other productmaterials, if available.


Who may want to invest:● Someone who is seeking to invest in a fund that invests in both stocks and bonds.

● Someone who is seeking the potential both for income and for long-term share-price appreciation and who is willing toaccept the volatility of the bond and stock markets.



● The CRSP US Total Market Index is comprised of nearly 4,000 constituents across mega, large, small and micro capitalizations,representing nearly 100% of the U.S. investable equity market.

● The Bloomberg Barclays U.S. Aggregate Float Adjusted Index measures the total universe of public, investment-grade,taxable, fixed income securities in the United States-including government, corporate, and international dollar-denominatedbonds, as well as mortgage-backed and asset-backed securities-all with maturities of more than 1 year.


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Vanguard Extended Market Index Fund Institutional Plus Shares

VRS Code: 077808

Fund Objective: The investment seeks to track a benchmark index that measures the investment return of small- and mid-capitalization stocks.

Fund Strategy: The fund employs an indexing investment approach designed to track the performance of S&P CompletionIndex, a broadly diversified index of stocks of small and mid-size U.S. companies. It invests by sampling the index, meaningthat it holds a broadly diversified collection of securities that, in the aggregate, approximates the full index in terms of keycharacteristics. These characteristics include industry weightings and market capitalization, as well as certain financialmeasures, such as price/earnings ratio and dividend yield.

Fund Risk: Value and growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile.Value stocks can continue to be undervalued by the market for long periods of time. The securities of smaller, less well-knowncompanies can be more volatile than those of larger companies. Stock markets are volatile and can decline significantly inresponse to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified inforeign markets. Additional risk information for this product may be found in the prospectus or other product materials, ifavailable.



● Someone who is seeking both growth- and value-style investments and who is willing to accept the generally greater volatilityof investments in smaller companies.



● The S&P Completion Index contains all of the U.S. common stocks regularly traded on the New York and American StockExchanges and the Nasdaq over-the-counter market, except those stocks included in the S&P 500 Index.


Vanguard Institutional Index Fund Institutional Plus Shares

VRS Code: 020745

Fund Objective: The investment seeks to track the performance of a benchmark index that measures the investment return oflarge-capitalization stocks.

Fund Strategy: The fund employs an indexing investment approach designed to track the performance of the Standard &Poor’s 500 Index, a widely recognized benchmark of U.S. stock market performance that is dominated by the stocks of largeU.S. companies. The advisor attempts to replicate the target index by investing all, or substantially all, of its assets in the stocksthat make up the index, holding each stock in approximately the same proportion as its weighting in the index.

Fund Risk: Value and growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile.Value stocks can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can declinesignificantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may bemagnified in foreign markets. Additional risk information for this product may be found in the prospectus or other productmaterials, if available.



● Someone who is seeking both growth- and value-style investments and who is willing to accept the volatility associated withinvesting in the stock market.

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● S&P 500 Index is a market capitalization-weighted index of 500 common stocks chosen for market size, liquidity, and industrygroup representation to represent U.S. equity performance.


Vanguard Total Bond Market Index Fund Institutional Plus Shares

VRS Code: 076290

Fund Objective: The investment seeks the performance of Bloomberg Barclays U.S. Aggregate Float Adjusted Index.

Fund Strategy: Bloomberg Barclays U.S. Aggregate Float Adjusted Index represents a wide spectrum of public, investment-grade, taxable, fixed income securities in the United States-including government, corporate, and international dollar-denominated bonds, as well as mortgage-backed and asset-backed securities-all with maturities of more than 1 year. All of itsinvestments will be selected through the sampling process, and at least 80% of its assets will be invested in bonds held in theindex.




price.




● The Bloomberg Barclays U.S. Aggregate Float Adjusted Index measures the total universe of public, investment-grade,taxable, fixed income securities in the United States-including government, corporate, and international dollar-denominatedbonds, as well as mortgage-backed and asset-backed securities-all with maturities of more than 1 year.


Vanguard Total International Stock Index Fund Institutional Plus Shares

VRS Code: 077940

Fund Objective: The investment seeks to track the performance of a benchmark index that measures the investment return ofstocks issued by companies located in developed and emerging markets, excluding the United States.

Fund Strategy: The fund employs an indexing investment approach designed to track the performance of the FTSE Global AllCap ex US Index, a float-adjusted market-capitalization-weighted index designed to measure equity market performance ofcompanies located in developed and emerging markets, excluding the United States. The index includes approximately 5,800stocks of companies located in over 45 countries.

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Fund Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of whichmay be magnified in emerging markets. Value and growth stocks can perform differently from other types of stocks. Growthstocks can be more volatile. Value stocks can continue to be undervalued by the market for long periods of time. Stock marketsare volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or otherdevelopments. Additional risk information for this product may be found in the prospectus or other product materials, ifavailable.



behave differently.





● The FTSE Global All Cap ex US Index is part of a range of indices designed to help US investors benchmark theirinternational investments. The index comprises large, mid and small cap stocks globally excluding the US.

Victory Integrity Small-Cap Value Fund Class R6

VRS Code: 089608

Fund Objective: The investment seeks to provide long-term capital growth.

Fund Strategy: The adviser pursues the fund’s investment objective by investing, under normal circumstances, at least 80% ofthe fund’s assets in equity securities (i.e., common stocks, preferred stocks, convertible securities and rights and warrants) ofsmall-capitalization companies. Small-capitalization companies mean those companies with market capitalizations within therange of companies included in the Russell 2000® Index.

Fund Risk: The securities of smaller, less well-known companies can be more volatile than those of larger companies. Valuestocks can perform differently than other types of stocks and can continue to be undervalued by the market for long periods oftime. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market,economic or other developments. These risks may be magnified in foreign markets. Additional risk information for this productmay be found in the prospectus or other product materials, if available.



● Someone who is comfortable with value-style investments and the potentially greater volatility of investments in smallercompanies.



● The Russell 2000® Index is an unmanaged market capitalization-weighted index of 2,000 small company stocks of U.S.domiciled companies.


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Wasatch Small Cap Growth Fund® Institutional Class

VRS Code: 064347

Fund Objective: The investment seeks long-term growth of capital; income is a secondary consideration.

Fund Strategy: The fund invests primarily in small growth companies. It will invest at least 80% of the fund’s net assets (plusborrowings for investment purposes) in the equity securities of small-capitalization companies. The fund may invest up to 20%of its total assets at the time of purchase in securities issued by foreign companies in developed markets, emerging markets, orfrontier markets.

Fund Risk: The securities of smaller, less well-known companies can be more volatile than those of larger companies. Growthstocks can perform differently from the market as a whole and can be more volatile than other types of stocks. Stock marketsare volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or otherdevelopments. These risks may be magnified in foreign markets. Additional risk information for this product may be found inthe prospectus or other product materials, if available.

Fund short term trading fees: This fund has a Short-term Redemption Fee of 2.00% for fee eligible shares held less than 60days.


● Someone who is willing to accept the generally greater price volatility associated both with growth-oriented stocks and withsmaller companies.




William Blair Small-Mid Cap Growth Fund Class I

VRS Code: 077408


Fund Strategy: Under normal market conditions, the fund invests at least 80% of its net assets (plus the amount of anyborrowings for investment purposes) in stocks of small capitalized ("small cap") and medium capitalized ("mid cap")companies. It invests primarily in a diversified portfolio of equity securities, including common stocks and other forms of equityinvestments (e.g., securities convertible into common stocks), of small cap and mid cap domestic growth companies that areexpected to exhibit quality growth characteristics.

Fund Risk: Growth stocks can perform differently from the market as a whole and can be more volatile than other types ofstocks. The securities of smaller, less well-known companies can be more volatile than those of larger companies. Stockmarkets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or otherdevelopments. These risks may be magnified in foreign markets. Additional risk information for this product may be found inthe prospectus or other product materials, if available.



● Someone who is willing to accept the generally greater price volatility associated both with growth-oriented stocks and withsmaller companies.



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Transfer/Rollover/Exchange Form Instructions

Reference the instructions below while completing the form. For additional assistance, please contact Fidelity Investments at 1-800-343-0860 or, for the hearing impaired, 1-800-259-9743 (TTY), Monday through Friday, 8 a.m. to midnight Eastern time (excluding New York Stock Exchange holidays, except Good Friday).

1. YOUR INFORMATION

Please provide your information in this section.

2. INVESTMENT PROVIDER YOU ARE MOVING MONEY FROM

Please review your most recent statement for this name and address, and include a copy of the statement with this form. Please contact your previous investment provider to see if additional paperwork is required.

3. ACCOUNT(S) OR CONTRACT(S) TO MOVE

Account or Contract Number: This number is available on your previous investment provider account statement. If you are unable to locate this number on your statement, please contact the nvestment rovider. If you do not provide an account or contract number, we will use your Social Security number or U.S. Tax Identification number to request the assets to be moved.

Type of Account or Contract: If you are unsure of the type of account or contract, please contact the Previous Investment Provider or refer to your statement. Select at least one.

The Account or Contract Number is from: Please see the descriptions below that relate to each of the four transactions. If you choose “A Previous Employer,” provide the name of that employer.

Liquidation Amount: Specify the amount of money you want moved to your Fidelity account. If you choose “Full Liquidation/100%,” Fidelity will request your full balance. If you choose “Partial Liquidation,” Fidelity will request the dollar amount or percentage you specify. If you do not specify an amount, Fidelity will move/liquidate 100%. If you are moving 457(b) assets, please be aware that governmental 457(b) assets must be moved into a governmental 457(b) plan, and nongovernmental 457(b) assets must be moved into a nongovernmental 457(b) plan. Transfers from nongovernmental 457(b) plans are not provided for on this form. Talk with your plan

and IRAs to governmental 457(b) plans must be recordkept in separate rollover sources to limit the distributions that may be subject to a 10% early distribution penalty.

4. YOUR FIDELITY ACCOUNT INFORMATION

If you do not have a retirement account with Fidelity for the employer listed here, you must complete the enroll-ment process. For help with enrollment, please contact Fidelity at 1-800-343-0860 or for the hearing impaired

p

i p

Movement of assets from 403(b) to 403(b) will be requested as a vendor or contract exchange. Movement of money between the same plan types, excluding 403(b) plans [401(a) to 401(a), 401(k) to 401(k), 457(b) to 457(b)], will be requested as an in-plan transfer. Movement of money between different plan types will be requested as a rollover.

For 403(b) and 401(a)/(k) plans, this is a rollover transaction. For governmental 457(b) plans, this is a rollover unless Fidelity receives direction to process as a transfer.

A Rollover IRA. This is a rollover transaction. After-tax value may not be rolled from an IRA.

A Traditional IRA or SEP IRA. This is a rollover transaction. Roth IRAs and Coverdell IRAs cannot be accepted.

sponsor or call Fidelity to discuss transfers from nongovernmental 457(b) plans. Rollovers from 403(b) plans, 401(a)/401(k) lans,

Employer Sponsoring Your Fidelity Retirement Account: The employer name appears on your Fidelity account statement or

Plan Type with this employer: This information is required to ensure that Fidelity credits your assets to the proper account. Please contact Fidelity at 1-800-343-0860 or for the hearing impaired 1-800-259-9743 (TTY) if you do not know your plan type.

Plan Number: Please provide the plan number if you have multiple retirement plan accounts with Fidelity. Please contact Fidelity at 1-800-343-0860 or for the hearing impaired 1-800-259-9743 (TTY) to obtain the plan number.

in your enrollment paperwork.

The Same Employer as My Employer Plan with Fidelity.

1-800-259-9743 (TTY).

A Previous Employer.

5. INVESTMENT INSTRUCTIONS

Would you like the assets invested in your current investment selection? If “Yes” is selected, your assets will be allocated to your current investment selection on file with Fidelity. If you do not select “Yes,” please list the fund names, fund codes (if known), and percentages. Please ensure that the percentages equal 100%. Please list any

Fund Name: List the fund name(s) you want your assets credited to.

Fund Code: Provide the four-digit fund code(s) (if known).

Percentage: Please ensure that the percentages listed equal 100%.

6. EMPLOYER PLAN ACCEPTANCE

Employer Authorized Signature: An authorized signature from the employer that sponsors your Fidelity retirement account may be required. To verify if this section needs to be signed, contact your Human Resources office or Fidelity at 1-800-343-0860 or for the hearing impaired 1-800-259-9743 (TTY).

7. DUPLICATE DISPOSITION LETTER REQUEST

Entering a name and address in this section requests and authorizes Fidelity to send a duplicate disposition (status) letter to the individual listed for this request only.

8. SIGNATURE

Please read the legal information provided in this section and then sign and date the form. We are unable to process your request without your signature and the date.

Transfer/Rollover/Exchange Form Checklist:

Here is a checklist to ensure that your request is in good order.

Please remember to:

Include your most recent account statement from your previous investment provider

Indicate the amount or percentage of money you are moving to Fidelity

Obtain the Employer Authorized Signature. Contact your Human Resources office or Fidelity to verify if this is required.

Sign in Section 8 of the form

Return this form in the enclosed postage-paid envelope OR

If you are sending this using an overnight delivery

Return to: service, please send to:

Fidelity Investments Fidelity Investments P.O. Box 770002 100 Crosby Parkway, Mailzone KC1E Cincinnati, OH 45277-0090 Covington, KY 41015

Please contact your previous investment provider to see if additional paperwork is required.

additional funds on a separate page and attach it to this form.

Note: If no investment options are selected, your investment instructions are incomplete or invalid, or the percentages listed are

AND DATE

and date

less than or exceed 100%, your entire contribution will be defaulted to the investment elections on file with Fidelity. If you have noinvestment elections on file, your entire contribution will be defaulted to the investment option specified in the agreement currentlyin place with Fidelity for the Plan.

Transfer/Rollover/Exchange FormInstructions: Use this form to move assets to your Fidelity employer-sponsored retirement account from a previous investment provider. You may also use this form to consolidate multiple employer-sponsored retirement accounts currently at Fidelity. If you do not have a retirement account with Fidelity, you must also complete an Account Application/Enrollment Form or when available enroll online at netbenefits.com/atwork. If your current employer does not offer a retirement plan record kept by Fidelity, your employer needs to establish a retirement plan prior to your vendor or contract exchange, or rollover to a Fidelity account. An incomplete form may delay the processing of your request. Use a separate form for each investment provider.

Unless otherwise instructed by your employer, please return this transfer/rollover/exchange form in the postage-paid envelope provided OR

If you are sending this using an overnight delivery Return to: service, please send to:Fidelity Investments Fidelity Investments P.O. Box 770002 100 Crosby Parkway, Mailzone KC1E Cincinnati, OH 45277-0090 Covington, KY 41015

Questions? Call Fidelity Investments at 1-800-343-0860 or for the hearing impaired 1-800-259-9743 (TTY), Monday through Friday, 8 a.m. to midnight Eastern time (excluding New York Stock Exchange holidays, except Good Friday), for assistance with completing this form.

1. YOUR INFORMATIONPlease use a black pen and print clearly in CAPITAL LETTERS.

Social Security # or Tax ID #: Date of Birth:

First Name:

Last Name:

Mailing Address:

City: State:

ZIP Code:

Daytime Phone: Evening Phone:

Email:

2. INVESTMENT PROVIDER YOU ARE MOVING MONEY FROM

Name of investment provider you are moving money from

Please include a copy of your most recent account statement from your investment provider.

Provider Street Address:

City: State:

ZIP Code:

Provider Phone: Ext:

Please contact your previous investment provider to see if additional paperwork is required. Use a separate form for each investment provider.

(e.g., VALIC, TIAA-CREF, Vanguard, Voya, Lincoln):

Middle Initial:

Page 1

700094 DC 52685 02238001

3. ACCOUNT(S) OR CONTRACT(S) TO MOVEPlease provide information about the account(s)/contract(s) you wish to move to Fidelity. If no account or contract numbers are provided, we will use your Social Security number or U.S. Tax ID number to request the assets to be moved.

3A. FIRST ACCOUNT/CONTRACT (if more than one account/contract, please complete section 3B in addition to section 3A)

1. Account/Contract #:

Type: 403(b) Include Roth 403(b) balance 401(a)/(k) Include Roth 401(k) balance

457(b) governmental Include Roth 457(b) governmental balance

2. Please check the box that most accurately reflects the transaction that you are requesting. Note that your selection willdictate how we process this transaction. Please read Section 3 of the instructions for more details.

The Same Employer as My Employer Plan with Fidelity

A Previous Employer

Previous Employer Name:

A Rollover IRA

A Traditional IRA or SEP IRA

3. Liquidation Amount Full Liquidation/100% Partial Liquidation % OR $

Unless otherwise specified, I request the

100% of my account.

3B. SECOND ACCOUNT/CONTRACT (if applicable).

1. Account/Contract #:

Type: 403(b) Include Roth 403(b) balance 401(a)/(k) Include Roth 401(k) balance

457(b) governmental

2. Please check the box that most accurately reflects the transaction that you are requesting. Note that your selection willdictate how we process this transaction. Please read Section 3 of the instructions for more details.

The Same Employer as My Employer Plan with Fidelity

A Previous Employer

Previous Employer Name:

A Rollover IRA

A Traditional IRA or SEP IRA

3. Liquidation Amount Full Liquidation/100% Partial Liquidation % OR $

Unless otherwise specified, I request the

100% of my account.

(select one)

(select one)

Please make additional copies of this page and the next page if you have more than two accounts/contracts to move.

(select atleast one) IRA

previous investment provider to liquidate

(select atleast one) Include Roth 457(b) governmental balance IRA

previous investment provider to liquidate

Page 2

4. YOUR FIDELITY ACCOUNT INFORMATION

If you do not have a retirement account with Fidelity for the employer listed below, or you do not know the plan number or type, please contact Fidelity at 1-800-343-0860 or for the hearing impaired 1-800-259-9743 (TTY).

5. INVESTMENT INSTRUCTIONS

Would you like the assets invested in your current investment selection? Yes

Fund Name(s): Fund Code: Percentage:

%

%

%

%

If no investment options are selected, your investment instructions are incomplete or invalid, or the percentages listed are less than

6. EMPLOYER PLAN ACCEPTANCE

An authorized signature from the employer that sponsors your Fidelity retirement account may be required. To verify if

OR

OR

OR

OR

Total = 100%

Employer Sponsoring Your Fidelity Retirement Account: (This name appears on your Fidelity statement, or in your enrollment paperwork.)

City & State of Employer: Are you still employed with this Employer? Yes No

4A. Fidelity Account Information for 3A

Plan Type: 403(b) 401(a)/(k) 457(b) governmental

Plan Number (if known):

4B. Fidelity Account Information for 3B

Plan Type: 403(b) 401(a)/(k) 457(b) governmental

Plan Number (if known):

If there is a discrepancy between plan type and plan number, the plan type selected will be used.

No (specify below)

or exceed 100%, your entire contribution will be defaulted to the investment elections on file with Fidelity. If you have no investmentelections on file, your entire contribution will be defaulted to the investment option specified in the agreement currently in place withFidelity for the Plan.

this section needs to be signed, contact your Human Resources office or Fidelity at 1-800-343-0860 or for the hearing impaired

Employer Authorized Signature: X Date:

Employer Authorized Printed Name: X

1-800-259-9743 (TTY).

Page 3

700094 DC 52685 02238003

7. DUPLICATE DISPOSITION LETTER REQUEST

I hereby request and authorize Fidelity to send a duplicate disposition letter for this application to the individual listed below.

First Name:

Last Name:

Mailing Address:

City: State:

ZIP Code:

Daytime Phone: Evening Phone:

Email:

8. SIGNATURE AND DATE

By signing this form:

listed on this form, and to release the proceeds to my account under my employer’s plan, except to the extent my current employer or any of my former employers prohibit such release. In the event of such prohibition, I hereby direct said investment provider to retain the portion of my account(s) that cannot be released in a separate account or contract and to release the remainder.

or contract exchange, in-plan transfer, or rollover, of my retirement plan assets in accordance with applicable IRS and plan rules.

instructions on this form. All subsequent installment payments as well as any residual balances not received within 30 days will be invested according to the investment elections currently in place with Fidelity for the Plan at the time my assets are received by Fidelity.

For 403(b)-to-403(b) vendor or contract exchanges

more restrictive withdrawal provisions.

source will be returned to the investment provider named in Section 2.

provides Fidelity with account balances as of 12/31/88 and post-1988 salary reduction contributions.

provides Fidelity with account balances as of 12/31/86.-

ment provider provides Fidelity with the sources of the exchanged amount under the previous plan.

Your Signature: X Date:

Middle Initial:

26030_01/0116 434261.10.0 Fidelity Investments Institutional Operations Company, Inc. 1.931026.103

account(s)

I hereby agree to the terms and conditions stated in this form, including the instructions, and certify that I am requesting a vendor

I certify under the penalties of perjury that my Social Security number or U.S. Tax Identification number on this form is correct.

I direct and authorize Fidelity to send a duplicate disposition letter for this request to the individual listed in Section 7 if applicable.,

Page 4

This information is intended to be educational and is not tailored to the investment needs of any specific investor.

This document provides only a summary of the main features of the Cleveland Clinic SIP and the Plan Document will govern in theevent of discrepancies.

The Plan is intended to be a participant-directed plan as described in Section 404(c) of ERISA, which means that fiduciaries of thePlan are ordinarily relieved of liability for any losses that are the direct and necessary result of investment instructions given by aparticipant or beneficiary.

© 2010 - 2018 FMR LLC. All rights reserved.

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Your guide to getting started....Plan, listed below, Cleveland Clinic will match 50% of each pretax...

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Transcript of Your guide to getting started....Plan, listed below, Cleveland Clinic will match 50% of each pretax...