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EZLink — EZLinl< is an internet site that is available to plan sponsors and provides access <br />to plan and participant data. It can be reached via ICMA -RC's website at <br />www.icmarc.org. EZLinI< consists of a number of different online services enabling faster <br />processing of information and greater control over data submission. <br />Participant Telephone Access — Self- service phone access as well as Investor Services <br />representatives are available to participants by calling 800- 669 -7400. <br />Plan Sponsor Telephone Access — Phone access to Plan Sponsor Services <br />representatives is available to plan sponsors by calling 800 - 326 -7272. <br />Contributions — Plan fiduciaries generally may make contributions to their Plans as often <br />as weekly. Contributions received in good order prior to the close of business on any <br />business day are posted that business day. Contributions received in good order after <br />the close of business are treated as if received the next business day. <br />"Good order" means that contribution deposits must be accompanied by sufficient <br />detail and in ICMA -RC's standard format so that ICMA -RC is able to allocate <br />contributions properly. If a contribution is not received in good order, the deposit is held <br />in a non - interest bearing account until all necessary information is received. If a <br />contribution is not in good order after three business days, ICMA -RC will coordinate <br />with the plan sponsor and may return the contribution to the plan sponsor. <br />Contributions received for an identified participant account that does not have <br />complete allocation instructions will be invested in the Plan's default option. <br />Distributions and Reinvestment of Earnings — There is not expected to be distribution <br />of income, dividends or capital gains to holders of units of a Fund. Rather, it is <br />anticipated that such items will be reflected in the net asset value of the Fund. <br />The Funds are meant for long -term investment purposes. Frequent trading of the Funds may <br />cause additional costs to be incurred by the Funds, and these costs will affect all investors. Also, <br />the rate of return long -term investors realize from their investments may be impacted by any <br />frequent trading activity of other investors. ICMA -RC is committed to curbing frequent trading <br />to protect long -term investors. <br />ICMA -RC defines frequent trading as a buy followed by a sell three times in the same fund <br />during a 90- calendar -day period or a buy followed by a sell ten times in the same fund during a <br />365- calendar -day period. Systematic participant withdrawals, contributions, and distributions <br />are not considered frequent trading. If frequent trading and /or market timing activity are <br />detected in an account with ICMA -RC, ICMA -RC may communicate by telephone or in writing <br />about these trading activities in an effort to deter such activities. If such communications fail to <br />deter the frequent trading activity, further action may be taken on the account including <br />restricting future purchases in the ICMA -RC administered account. <br />Vantage-Frust 11 Funds <br />Disclosure Memorandum <br />2016.01.13 -17- <br />