In the PERAPlus 401(k) Plan you have access to the PERAdvantage line of investments. Consider choosing your investments based on one of the two paths below that best describe your investment knowledge:

1. I am not sure how to invest.
   
   Choose a Target Retirement Date Fund based on your expected retirement date:
• PERAdvantage Income Fund
• PERAdvantage 2025 Fund
• PERAdvantage 2030 Fund
• PERAdvantage 2035 Fund
• PERAdvantage 2040 Fund
• PERAdvantage 2045 Fund
• PERAdvantage 2050 Fund
• PERAdvantage 2055 Fund
• PERAdvantage 2060 Fund
2. I am comfortable making my own investment decisions.
   
   Choose a mix of the following primary investments:
• PERAdvantage Capital Preservation Fund
• PERAdvantage Fixed Income Fund
• PERAdvantage Real Return Fund
• PERAdvantage U.S. Large Cap Stock Fund
• PERAdvantage International Stock Fund
• PERAdvantage U.S. Small and Mid Cap Stock Fund
Choose from additional investment options:
• PERAdvantage SRI Fund (screens for various social causes)
• Self-Directed Brokerage Option

You may change your fund elections at any time by logging on through PERA's website:

• Click "Back to Login"
• Enter your User ID and password then click on "PERAPlus 401(k) Account Access"

You may also call 1-800-759-7372 and select the PERAPlus option. Please see the Investments & Research section for more information on the funds.

If you need help choosing your investments, you have access to professional investment advice at no additional charge through Voya Retirement Advisors (VRA). For more information, review the Voya Retirement Advisors section or call 1-800-759-7372, select the PERAPlus option, and ask to speak with a VRA Investment Advisor Representative.

Transactions completed before 2:00 p.m. (Mountain time) will be processed the same business day. Transactions completed after 2:00 p.m. (Mountain time) will be processed the next business day. You may cancel a transaction if you do so before 2:00 p.m. (Mountain time) on the same day the transaction is scheduled to be made.