Common use of Disclosure of Investment Account Fees and Expenses Clause in Contracts

Disclosure of Investment Account Fees and Expenses. The following is a disclosure, by unit class, regarding fees and expenses that are charged to the Composite Trust and Investment Accounts thereunder, stated as a percentage of market value of the assets of the applicable Investment Accounts. * * * * * * * * * * Investment Accounts Under Hand Composite Employee Benefit Trust sub-advised by Brandywine Global Investment Management, LLC Class Expense Ratio BrandywineGLOBAL – Global Investment Grade Fixed Income CIF Class R1^ 0.59% on all assets if total Class assets are under $50 million* 0.57% on all assets if total Class assets are between $50 million and $100 million* 0.49% on all assets if total Class assets are between $100 million and $200 million* 0.47% on all assets if total Class assets are over $200 million* Class R2 0.59%* Class R3^ 0.51% on first $100 million in assets* and 0.49% on assets over $100 million* Class R2A 0.69%* Class R3A 0.66%* Class R-INT** 0.12%(1) Maximum expense ratio includes all stated fees below: Trustee Fee: 0.040% on first $400,000,000 of daily net assets, and 0.030% on next $400,000,000 of daily net assets, and 0.020% on daily net assets over $800,000,000 Investment Advisory Fee: Class R1 0.47% Class R2 and Class R2A 0.45% Class R3 0.42% on first $100 million in assets 0.40% on assets over $100 million Class R3A 0.42% Class R-INT 0.00% Service Fee: Class R2A and Class R3A – 0.10% Custody, Fund Accounting, Audit, and Other Ordinary Operating Expenses: 0.07%(1) Transfer Agency Fee: 0.01%(1) * Reflects a cap on the fees and ordinary operating expenses of the Fund. ** R-INT unit class is used for internal purposes only, and is not broadly available. Pre-approval prior to selection is needed. ^ Specific purpose unit class. Not broadly available.

Disclosure of Investment Account Fees and Expenses. The following is a disclosure, by unit class, regarding fees and expenses that are charged to the Composite Trust and Investment Accounts thereunder, stated as a percentage of market value of the assets of the applicable Investment Accounts. * * * * * * * * * * Investment Accounts Under Hand Composite Employee Benefit Trust sub-advised by Brandywine Global Investment Management, LLC Class Expense Ratio BrandywineGLOBAL – Global Investment Grade Fixed Income CIF Class R1^ 0.59% on all assets if total Class assets are under $50 million* 0.57% on all assets if total Class assets are between $50 million and $100 million* 0.49% on all assets if total Class assets are between $100 million and $200 million* 0.47% on all assets if total Class assets are over $200 million* Class R2 0.59%* Class R3^ 0.51% on first $100 million in assets* and 0.49% on assets over $100 million* Class R2A 0.69%* Class R3A 0.66%* Class R-INT** 0.12%(10.09%(1) Maximum expense ratio includes all stated fees below: Trustee Fee: 0.040% on first $400,000,000 of daily net assets, and 0.030% on next $400,000,000 of daily net assets, and 0.020% on daily net assets over $800,000,000 Investment Advisory Fee: Class R1 0.47% Class R2 and Class R2A 0.45% Class R3 0.42% on first $100 million in assets 0.40% on assets over $100 million Class R3A 0.42% Class R-INT 0.00% Service Fee: Class R2A and Class R3A – 0.10% Custody, Fund Accounting, Audit, and Other Ordinary Operating Expenses: 0.07%(10.04%(1) Transfer Agency Fee: 0.01%(1) * Reflects a cap on the fees and ordinary operating expenses of the Fund. ** R-INT unit class is used for internal purposes only, and is not broadly available. Pre-approval prior to selection is needed. ^ Specific purpose unit class. Not broadly available.