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Policies and Disclosures

The information contained in sections such as MarketView is intended for use by ICMA-RC participants and employers and is for informational purposes only and is not investment advice. Reference to any fund or asset class on this site is not a recommendation to buy, sell, or hold that fund or asset class. Neither ICMA-RC nor its affiliates nor the VantageTrust Company nor The Vantagepoint Funds ("The Funds") are responsible for any investment action you may take as a result of this information or interpretation of this information.

The Vantagepoint Funds are distributed by ICMA-RC Services, LLC, a wholly owned subsidiary of ICMA-RC, a broker-dealer registered with the U.S. Securities and Exchange Commission and a member of the Financial Industry Regulatory Authority (FINRA).

Contact ICMA-RC Investor Services for applicable disclosure documents or prospectuses which contains more information on management fees, other fund expenses, and investment risks and objectives. You should read these documents before you invest. Investment returns and principal value will fluctuate, so that an investor's shares, when redeemed, may be worth more or less than their original cost. ICMA-RC Investor Services may be contacted by calling -800-669-7400 or by writing to 777 North Capitol Street, Washington, DC 20002-4240.

The Asset Class Guidance, Fund Advice and Managed Accounts services provided under Guided Pathways® are offered to participants through ICMA-RC, a federally registered investment adviser. Ibbotson Associates, a federally registered investment adviser and a wholly owned subsidiary of Morningstar, Inc., is not affiliated with ICMA-RC. All rights reserved. Ibbotson and the Ibbotson logo are trademarks or service marks of Morningstar, Inc.

Availability

Account Access is normally available 24 hours a day, seven days a week. However, service availability is not guaranteed. Like other Internet-based services, Account Access may be subject to external transmission problems that are beyond the control of the Funds' management. Accordingly, neither the Funds, the Funds' investment adviser, nor the Funds' transfer agent will be responsible for any loss (or foregone gain) you may incur as a result of service being unavailable or delayed.

Inability to Conduct Business

ICMA-RC is normally open for business and operating when the NYSE is open for business. However, unusual circumstances including, but not limited to, severe and extraordinary weather conditions, flooding, other natural disasters, pandemic flu or other health epidemics, regional power failures, fires, market disruption, civil disturbances or other emergencies may prevent ICMA-RC from conducting business on a given day or for longer periods of time. In such an event, Plan transactions in the investment options offered through VantageTrust may be delayed and not effected until ICMA-RC resumes normal business operations. In addition, in some cases, ICMA-RC may be open for business but operating on a limited basis and may require that investment transactions and other orders or directions be sent via the internet through Account Access or through the VantageLine automated voice response system. ICMA-RC¹s Investor Services and Field Sales representatives also may be unable to take orders or instructions by telephone or in person, and the processing of orders or instructions sent by mail or facsimile may be delayed.

Account Access and VantageLine are normally available 24 hours a day, seven days a week for your convenience except during scheduled maintenance periods. However, service availability is not guaranteed. Neither ICMA-RC and its affiliates nor the Trust will be responsible for any loss (or foregone gain) you may incur as a result of the service being unavailable.

ICMA-RC cannot and does not accept any financial responsibility or liability for market fluctuations in the value of a participant¹s investments that may occur while ICMA-RC is unable to conduct business as described above.

Policy Notes

Privacy Policy:
By choosing ICMA-RC to manage your money, you have entrusted us with your investments and personal financial data. We consider your data to be private and confidential, and we hold ourselves to the highest standards of trust and fiduciary duty in its safekeeping and use. Our policy generally is to keep this information strictly confidential, and to use or disclose it as needed to provide services to you, or as permitted or required by law or by you.

Actions You Can Take:
If you have any concerns about how your personal information is being used, please contact us. If for some reason you believe we have not adhered to the principles described here in any of our policies, please notify us immediately. We will act promptly to determine, and if necessary correct, the problem.

Policy Changes:
The ICMA Retirement Corporation reserves the right to change our policies and update this information without prior notice. You are welcome to return to this page at any time to review the latest updates.

Thank you for investing in the ICMA Retirement Corporation and entrusting us with your online transactions. If you have additional questions please contact us.