Russell Investment Products Achieve More. It's Your Future. You have assets earmarked for significant life events. Preserving and building these assets requires careful planning and thoughtful implementation. Russell's multi-manager investment program is designed for these core investments. It's Serious Money. It's Time to Take Charge Taking charge begins when you and your financial advisor:   Assess your long-term goals and build a strategically diversified plan. Put your plan into action by choosing Russell's institutional-quality multi-manager mutual funds. Review your needs and situation periodically to ensure your chosen portfolio remains appropriate. Then you'll be confident that your investments can help put you on the road to financial security. A Spectrum of Choices Whether you are early in your investment lifecyle and seek optimal diversification in a single low-minimum mutual fund product like LifePoints Funds or your desire is to secure a customized, tax-efficient solution via a separate account, Russell can meet your specialized needs. You are offered the same time-tested, risk-aware approach used by some of the world's wealthiest individuals and institutional clients. Russell has become global leaders in multi-manager investing by guiding the investment of more than $910 billion worldwide. Russell's Investment Programs Emphasize:   Choice — Russell offers a variety of investment strategies implemented using Russell's multi-manager mutual funds and separate accounts. Flexibility — Special considerations, such as tax-management or more concentrated portfolios can be accommodated with the breadth of options available. Guidance — Your financial professional will help you make appropriate selections and provide regular oversight to help you stay focused on your goals. After a review of your investing goals, time horizon, and risk tolerance, you and your financial professional will confidently identify a plan best suited to your situation. Designed to Work for You Your investment will be designed to provide consistent, long-term performance via diversification across asset classes, investment styles and money managers. Russell provides access to some of the industry's top money management firms, selected based on Russell's three decades of manager research. Russell monitors the products, making changes when necessary, so you don't have to add this important, time-consuming responsibility to your schedule. To learn more about Russell investment products, please visit the following pages to view mutual funds information, prospectuses and more: Russell Funds LifePoints Funds Separate Accounts Learn why you should consider choosing Russell Contact a financial professional in your area to invest with Russell Fund objectives, risks, charges and expenses should be carefully considered before investing. For a prospectus containing this and other important information call Russell at 1-866-676-7680 or go to the prospectus and reports page to download one. Please read the prospectus carefully before investing. Copyright © Russell Investments All rights reserved. See Important Legal Information. Russell Investment Group is a Washington, USA corporation, which operates through subsidiaries worldwide, including Russell Investments, and is a subsidiary of The Northwestern Mutual Life Insurance Company. All investments are subject to market risks and a potential loss of principal. The investment return and principal value will fluctuate, and when sold, may be worth more or less than their original cost, and could result in a taxable event. There are no assurances that the stated objectives will be achieved. Nothing contained in this material is intended to constitute legal, tax, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. The general information contained in this publication should not be acted upon without obtaining specific legal, tax, and investment advice from a licensed professional. Each of the LifePoints® Funds invests its assets in shares of a number of underlying Russell Investment Company Funds. Each of the LifePoints® Funds will adjust its investments within set limits based on Russell's outlook for the economy, financial markets, and relative market valuation of the asset classes represented by each underlying Fund. However, the LifePoints® Funds may deviate from set limits when, in Russell's opinion, it is necessary to do so to pursue each Fund's investment objective. The amounts allocated to each underlying Fund will generally vary within 10%. Income from funds managed for tax efficiency may be subject to an alternative minimum tax, and/or any applicable state and local taxes. Diversification does not assure a profit or guarantee against loss in declining markets. Securities distributed through Russell Fund Distributors, Inc., member FINRA, part of Russell Investments. For information on the Financial Industry Regulatory Authority, go to www.finra.org. First used: 07/12/04. RFD 4172

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