Disclosures - ERISA Information

ERISA Plans – Retirement Plan Account Fee, Charge and Commission Elements

The following fees, charges and other compensation elements may apply to your retirement plan account.

Commissions & Trail Commissions

Details of commissions and/or trail commissions may vary by mutual fund and share class. Please refer to the prospectus document(s) related to your specific investment(s) for details. The prospectus documents are provided to you at the time of investment in the specific mutual fund. If needed, copies can be provided by your representative.

Compensation for Advisory Services

Details of the fee calculation and payment methods are disclosed in the fee schedule and/or client agreement, a copy of which you receive when the account is established. If needed, your financial professional can provide copies of these documents and additional specific details.

Compensation for Financial Planning & Financial Planning Consultations

Details of the fee calculation and payment methods for a financial plan are disclosed in the fee schedule and/or Financial Planning agreement, a copy of which you receive when the account is established. If needed, your financial professional can provide copies of these documents and additional specific details.