Important Notice

Northern Trust is a global multi-asset class investment manager serving clients worldwide. Through the combined resources of the Northern Trust Company, Northern Trust Investments, Inc., (NTI) Northern Trust Global Investments Limited, the Northern Trust Company of Connecticut, and its subsidiaries, a broad range of investment products and services are offered to personal and institutional markets around the globe.

The Northern Trust Focus Funds are collective investment funds maintained by NTI as trustee. These are bank collective funds, not mutual funds. As provided in each Fund's declaration of trust, the Funds are available for investment by qualified and governmental retirement plans. Each Northern Trust Focus Fund is composed of ten underlying collective investment funds for which NTI is trustee.

Information on collective investment funds managed by NTI is provided strictly for illustrative purposes and should not be deemed an offer to sell or a solicitation of an offer to buy shares of any collective investment funds described herein.

There are risks involved with investing, including possible loss of principal. The investment risks of the Northern Trust Focus Funds change over time as their allocation changes. Principal invested is not guaranteed at any time, including at or after their target dates. In addition to the normal risks associated with equity investing, investments in smaller companies typically exhibit higher volatility. International investments may involve risk of capital loss from unfavorable fluctuation in currency values, from differences in generally accepted accounting principles or from economic or political instability in other nations. Risk controls and asset allocation models do not promise any level of performance or guarantee against loss of principal.

The views expressed in this microsite are those of NTI through the period as of the date appearing on this material and are subject to change based on market and other conditions. All material has been obtained from sources believed to be reliable, but its accuracy is not guaranteed. There is no representation or warranty as to the current accuracy, reliability of, completeness of, nor liability for, decisions based on such information.

This microsite was designed to provide investment education and not investment advice in accordance with ERISA guidelines regarding investment education and advice. Plan Sponsors are responsible for the selection of an NTI investment fund for inclusion as an investment election and any such selection is not based on investment advice provided by NTI. Plan participants are responsible for making the election to include an NTI investment fund in their individual retirement account and any such selection is not based on investment advice by NTI.

Distributing the information contained in this microsite will not discharge disclosure responsibilities under ERISA. Summary plan descriptions, summaries of material changes to your plan and summary annual reports still must be prepared and distributed, as must additional disclosures if your plan is intended to meet the fiduciary safe harbor under Section 404(c) of ERISA.