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The Trust Company reserves the right to open additional classes and adopt eligibility criteria. <br />Individuals do not independently qualify for separate classes or sub - classes in a Plan. <br />XIII. INVESTING IN THE FUNDS <br />The following explains how an investment can be made into a Fund, as well as information <br />about when investments can be made, how funds can be transferred, and other policies <br />relating to an investment in the Funds. <br />Definition of a Business Day — The Funds are available on any business day, which is any <br />day when the New York Stock Exchange ( "NYSE ") is open for business. "Close of <br />business" means 4:00 p.m. Eastern Time, or the final close of trading on any day when <br />trading on the NYSE closes at a time other than 4:00 p.m. Eastern Time. <br />Transfer, Withdrawal and Allocation Changes — Generally, unless restricted by a plan <br />sponsor, transfer, withdrawal and allocation changes among the Funds may be made on <br />a daily basis by Internet (Account Access), or by speaking to an Investor Services <br />representative at ICMA -RC. Account Access is normally available 24 hours a day, seven <br />days a week. Instructions sent by email correspondence will not be accepted. <br />RHS Employer Investment Program - 'Transfer, withdrawal and allocation changes may <br />generally be made on a daily basis via fax or mail using the appropriate form. The forms <br />may be obtained by logging into EZLink or by contacting a Plan Sponsor Services <br />representative at the number provided below. <br />Transfer and Withdrawal Restrictions — Under the terms of the Declaration of Trust, the <br />Trust Company has full discretion to defer withdrawals or transfers. Class specific <br />restrictions or limitations will be disclosed on the applicable Fact Sheet or Investment <br />Options Sheet. <br />Automatic Rebalance — Certain Plan and participant accounts may be eligible for an <br />auto - rebalance feature. This feature periodically returns the account to the plan's or <br />participant's desired asset allocation. Rebalancing strategies do not ensure a profit and <br />do not protect against losses in declining markets. <br />Confirmations and Statements — Investors in the Funds will receive confirmation after <br />each transaction and a quarterly statement that shows quarterly activity. Part -time <br />employees may receive only annual statements. Please review this information carefully <br />and contact ICMA -RC immediately if you see any discrepancies. <br />Account Access — Account Access is an internet site that is available to plan participants. <br />It can be reached via ICMA -RC's website at www.icmarc.org, Information available <br />includes plan fund lineups, ICMA -RC administered account balances, investment <br />allocations, and investment performance. <br />VantageTrust 11 Funds <br />Disclosure Memorandum <br />2016.01.13 -16- <br />