VantageTrust Certificate of Deposit Accounts

The VantageTrust Certificate of Deposit Accounts (CD Accounts) consist of 1-, 3-, and 5-year CD Accounts that lock in a fixed interest rate with no minimum opening investment or minimum account balance. CD Accounts are offered through Countrywide Bank, FSB, a member of the Federal Deposit Insurance Corporation (FDIC) and a trusted leader in financial services. CD Account assets are protected by FDIC insurance up to $250,000 per investor.

You can invest in the VantageTrust CD Accounts through both fund-to-fund transfers and ongoing contributions. One-month open window periods will be offered for investment in CD Accounts. Each of the three CD Account maturities will have an interest rate that will apply to all assets invested during that month and be applicable for the entire term. Direct transfers from the VantageTrust PLUS Fund to 1- or 3- year CD Accounts are prohibited. However, transfers may be made directly from the PLUS Fund to 5-year CD Accounts.

As with typical CDs, the CD Accounts have early withdrawal penalties if assets are removed prior to the maturity date. However, if you need access to your assets for retirement distributions or other special circumstances such as hardship withdrawals, your withdrawals will not be subject to early withdrawal penalties.

For more detailed information on VantageTrust CD Accounts please read the March 1, 2007 supplement to Making Sound Investment Decisions: A Retirement Investment Guide. The March 1st supplement includes a complete explanation of possible early withdrawal penalties and exemptions from those penalties.

The addition of CD Accounts enhances the current stable value investment offerings available through the VantageTrust and provides you with a secure retirement savings option designed to help meet your retirement investing goals.

For more information on the VantageTrust CD Accounts, please contact Investor Services.