Age-Based Conservative Ages 17-18

Portfolio Overview

The Portfolio seeks growth of current income.

The Portfolio invests in a targeted mix of stock, bond and money market mutual funds that represent various asset classes and sectors.

U.S. Equities	8%
International Equities	2%
Fixed Income	67%
Money Market	23%

Real AssetsInternational Equity
U.S. EquityFixed Income
Money Market

The Underlying Mutual Funds

Fund	Percent
Money Market
State Street U.S. Government Money Market Fund	23%
Fixed Income
PIMCO Short-Term Fund	22%
Northern Funds Bond Index Fund	13%
MainStay Total Return Bond Fund	12%
American Century Short Duration Inflation Protection Bond Fund	14%
Touchstone High Yield Fund	3%
Templeton International Bond Fund	3%

Fund	Percent
U.S. Equity
Cohen & Steers Dividend Value Fund	2%
Northern Funds Stock Index Fund	3%
T. Rowe Price Instl. Large-Cap Growth Fund	2%
Northern Funds Mid Cap Index Fund	1%
International Equity
Northern Funds International Equity Index Fund	1%
Neuberger Berman International Select Fund	1%

Portfolio Performance¹

at NAV

w/ sales charge

As of June 30, 2017

			Average Annual Total Returns at NAV (%)¹
Fee Structure	YTD	3 Mo	1 Yr	3 Yrs	5 Yrs	Lifetime	Exp. Ratio²	Inception Date
A	2.00	0.79	n/a	n/a	n/a	1.90	1.03	9/28/16

Fee Structure B Performance

Underlying Mutual Fund Performance³

As of March 31, 2017

					Average Annual Total Returns (%)³
Money Market Fund	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
State Street U.S. Government Money Market Fund* Fact Sheet, Prospectus, Annual Report	0.12	GVMXX	0.12	0.12	0.32	0.13	0.08	0.40	7/27/16
					Average Annual Total Returns (%)³
Fixed Income Funds	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
PIMCO Short-Term Fund Fact Sheet, Prospectus, Annual Report	0.47	PTSHX	0.58	3.49	3.49	1.64	1.64	2.31	8/2/10
Northern Funds Bond Index Fund Fact Sheet, Prospectus, Annual Report	0.16	NOBOX	-3.11	2.33	2.33	2.89	2.07	4.01	8/2/10
MainStay Total Return Bond Fund Fact Sheet, Prospectus, Annual Report	0.60	MTMIX	1.18	1.18	2.93	2.24	2.90	4.84	12/17/14
American Century Short-Duration Inflation-Protection Bond Fund Fact Sheet, Prospectus, Annual Report	0.37	APISX	0.97	0.97	2.30	0.78	0.40	3.74	9/26/13
Touchstone High Yield Fund Fact Sheet, Prospectus, Annual Report	0.72	THIYX	2.17	2.17	12.14	2.61	5.04	6.19	10/10/12
Templeton International Bond Fund Fact Sheet, Prospectus, Annual Report	0.76	FIBZX	4.69	4.69	10.53	0.75	2.22	5.33	10/10/12
					Average Annual Total Returns (%)³
Domestic Equity Funds	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
Cohen & Steers Dividend Value Fund Fact Sheet, Prospectus, Annual Report	0.65	DVFIX	4.20	4.20	19.23	8.50	12.24	6.10	6/20/12
Northern Funds Stock Index Fund Fact Sheet, Prospectus, Annual Report	0.10	NOSIX	6.04	6.04	17.06	10.26	13.18	7.34	8/2/10
T. Rowe Price Large-Cap Growth Fund Fact Sheet, Prospectus, Annual Report	0.56	TRLGX	10.70	10.70	21.70	10.84	14.13	10.06	8/2/10
Northern Funds Mid Cap Index Fund Fact Sheet, Prospectus, Annual Report	0.15	NOMIX	3.91	3.91	20.71	9.18	13.13	8.71	8/2/10
					Average Annual Total Returns (%)³
International Equity Funds	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
Northern Funds International Equity Index Fund Fact Sheet, Prospectus, Annual Report	0.25	NOINX	7.86	7.86	12.07	0.40	5.69	0.86	8/2/10
Neuberger Berman International Select Fund Fact Sheet, Prospectus, Annual Report	0.90	NILIX	7.71	7.71	6.71	0.97	5.20	1.59	8/2/10