The “Do-It-Yourself” Option
For participants who prefer to select their own mix of investments, these funds are available with The Contractors Plan:

• Dreyfus Institutional Preferred Money Market Prime Fund
  This investment seeks as high a level of current income as is consistent with the preservation of capital and the maintenance of liquidity.
• PIMCO Total Return Institutional Fund
  This investment seeks maximum total return.
• American Funds Growth Fund of America R5 Fund
  This investment seeks capital growth by investing in common stocks. The fund primarily invests in high potential growth companies.
• Nationwide Mid Cap Market Index Institutional Fund
  This investment seeks to match the performance of the S&P Mid Cap 400 index as closely as possible before the deduction of fund expenses.
• Vanguard Small Cap Index Fund
  This fund employs a passive management investment approach designed to track the performance of the MSCI US Small Cap 1750 index, a broadly diversified index of the stocks of smaller US companies.
• Harbor International Institutional Fund
  This investment seeks long-term total return, principally from growth of capital. The fund invests in a minimum of 10 countries throughout the world, focusing on companies located in Europe, the Pacific Basin and emerging industrialized companies whose economies and political regimes appear more stable.

The “Do-It-For-Me” Option
For participants in The Contractors Plan who prefer the “Do-It-For-Me” option, these Target Date funds corresponding to their anticipated retirement date are available:

• Manning & Napier Retirement Target Income
  This fund is invested in the Manning & Napier Pro-Mix Conservative Term Collective Investment Trust Fund, a conservative mix of individual stock, bond, and cash securities that seeks protection of capital while generating income.
• Manning & Napier Retirement Target 2010
  This fund is invested in the Manning & Napier Pro-Mix Moderate Term Collective Investment Trust Fund, a moderately conservative mix of individual stock, bond and cash securities that seeks a more stable rate of growth than that of a broad investment in the stock market.
• Manning & Napier Retirement Target 2020
  This fund is invested in the Manning & Napier Pro-Mix Extended Term Collective Investment Trust Fund, a growth-oriented mix of individual stock, bond and cash securities that seeks to earn a good portion of the long-term growth of the stock
  market without full market risk.
• Manning & Napier Retirement Target 2030
  This fund is invested 60% in the Manning & Napier Pro-Mix Maximum Term Collective Investment Trust Fund and 40% in the Manning & Napier Pro-Mix Extended Term Collective Investment Trust Fund to create a moderately aggressive, growth-oriented mix of individual stock, bond, and cash securities that seeks to earn the long-term growth typically associated with the stock market over time with slightly less risk.
• Manning & Napier Retirement Target 2040
  This fund is invested in the Manning & Napier Pro-Mix Maximum Term Collective Investment Trust Fund, an aggressive, growth-oriented mix of individual stock, bond and cash securities that seeks to earn the high returns typically associated with the stock market over time.
• Manning & Napier Retirement Target 2050
  This fund is invested in the Manning & Napier Pro-Mix Maximum Term Collective Investment Trust Fund, an aggressive, growth-oriented mix of individual stock, bond and cash securities that seeks to earn the high returns typically associated with the stock market over time. The investment mix in all of Manning & Napier’s Target Date funds is automatically adjusted to become more conservative as the target date gets closer. At or near the target retirement date, the focus is on capital preservation; however, investors will still assume some capital risk due to a minor stock position within the fund.