Common use of Total Return Fund Clause in Contracts

Total Return Fund. Effective January 1, 2015, the Adviser contractually agrees to reduce its management fee by 0.025% on aggregate net assets of the Fund and another fund that equal or exceed $3 billion. This expense limitation agreement expires on December 31, 2017, unless renewed by mutual agreement of the Fund and the Adviser based upon a determination that this is appropriate under the circumstances at that time. Retirement Living through 2010 Portfolio Retirement Living through 2015 Portfolio Retirement Living through 2020 Portfolio Retirement Living through 2025 Portfolio Retirement Living through 2030 Portfolio Retirement Living through 2035 Portfolio Retirement Living through 2040 Portfolio Retirement Living through 2045 Portfolio Retirement Living through 2050 Portfolio Retirement Living through 2055 Portfolio Effective February 18, 2015, the advisor has contractually agreed to waive its advisory fees and/or reduce expenses by 0.002% of each fund’s average net assets. This expense limitation agreement expires on December 31, 2016, unless renewed by mutual agreement of the fund and the advisor based upon a determination that this is appropriate under the circumstances at that time. Lifestyle Aggressive Portfolio Lifestyle Growth Portfolio Lifestyle Balanced Portfolio Lifestyle Moderate Portfolio Lifestyle Conservative Portfolio Effective February 18, 2015, the advisor has contractually agreed to waive its advisory fees and/or reduce expenses by 0.002% of each fund’s average net assets. This expense limitation agreement expires on April 30, 2017, unless renewed by mutual agreement of the fund and the advisor based upon a determination that this is appropriate under the circumstances at that time. APPENDIX H Retirement Living Portfolios’ Class Only Expense Limitation Agreement Retirement Living Portfolios

Total Return Fund. Effective January 1, 2015, the Adviser contractually agrees to reduce its management fee by 0.025% on aggregate net assets of the Fund and another fund that equal or exceed $3 billion. This expense limitation agreement expires on December 31, 2017, unless renewed by mutual agreement of the Fund and the Adviser based upon a determination that this is appropriate under the circumstances at that time. Retirement Living through 2010 Portfolio Retirement Living through 2015 Portfolio Retirement Living through 2020 Portfolio Retirement Living through 2025 Portfolio Retirement Living through 2030 Portfolio Retirement Living through 2035 Portfolio Retirement Living through 2040 Portfolio Retirement Living through 2045 Portfolio Retirement Living through 2050 Portfolio Retirement Living through 2055 Portfolio Effective February 18, 2015, the advisor has contractually agreed to waive its advisory fees and/or reduce expenses by 0.002% of each fund’s average net assets. This expense limitation agreement expires on December 31, 2016, unless renewed by mutual agreement of the fund and the advisor based upon a determination that this is appropriate under the circumstances at that time. Lifestyle Aggressive Portfolio Lifestyle Growth Portfolio Lifestyle Balanced Portfolio Lifestyle Moderate Portfolio Lifestyle Conservative Portfolio Effective February 18, 2015, the advisor has contractually agreed to waive its advisory fees and/or reduce expenses by 0.002% of each fund’s average net assets. This expense limitation agreement expires on April 30, 2017, unless renewed by mutual agreement of the fund and the advisor based upon a determination that this is appropriate under the circumstances at that time. APPENDIX H Retirement Living Portfolios’ Class Only Expense Limitation Agreement Retirement Living PortfoliosAgreement

Total Return Fund. Effective January 1, 2015, the Adviser contractually agrees to reduce its management fee by 0.025% on aggregate net assets of the Fund and another fund that equal or exceed $3 billion. This expense limitation agreement expires on December 31, 2017, unless renewed by mutual agreement of the Fund and the Adviser based upon a determination that this is appropriate under the circumstances at that time. Retirement Living through 2010 Portfolio Retirement Living through 2015 Portfolio Retirement Living through 2020 Portfolio Retirement Living through 2025 Portfolio Retirement Living through 2030 Portfolio Retirement Living through 2035 Portfolio Retirement Living through 2040 Portfolio Retirement Living through 2045 Portfolio Retirement Living through 2050 Portfolio Retirement Living through 2055 Portfolio Effective February 18, 2015, the advisor has contractually agreed to waive its advisory fees and/or reduce expenses by 0.002% of each fund’s average net assets. This expense limitation agreement expires on December 31, 2016, unless renewed by mutual agreement of the fund and the advisor based upon a determination that this is appropriate under the circumstances at that time. Lifestyle Aggressive Portfolio Lifestyle Growth Portfolio Lifestyle Balanced Portfolio Lifestyle Moderate Portfolio Lifestyle Conservative Portfolio Effective February 18, 2015, the advisor has contractually agreed to waive its advisory fees and/or reduce expenses by 0.002% of each fund’s average net assets. This expense limitation agreement expires on April 30, 20172016, unless renewed by mutual agreement of the fund and the advisor based upon a determination that this is appropriate under the circumstances at that time. APPENDIX H Retirement Living Portfolios’ Class Only Expense Limitation Agreement Retirement Living Portfolios

Total Return Fund. Effective January 1, 2015, the Adviser contractually agrees to reduce its management fee by 0.025% on aggregate net assets of the Fund and another fund that equal or exceed $3 billion. This expense limitation agreement expires on December 31, 2017, unless renewed by mutual agreement of the Fund and the Adviser based upon a determination that this is appropriate under the circumstances at that time. Retirement Living through 2010 Portfolio Retirement Living through 2015 Portfolio Retirement Living through 2020 Portfolio Retirement Living through 2025 Portfolio Retirement Living through 2030 Portfolio Retirement Living through 2035 Portfolio Retirement Living through 2040 Portfolio Retirement Living through 2045 Portfolio Retirement Living through 2050 Portfolio Retirement Living through 2055 Portfolio Effective February 18, 2015, the advisor has contractually agreed to waive its advisory fees and/or reduce expenses by 0.002% of each fund’s average net assets. This expense limitation agreement expires on December 31, 2016, unless renewed by mutual agreement of the fund and the advisor based upon a determination that this is appropriate under the circumstances at that time. Lifestyle Aggressive Portfolio Lifestyle Growth Portfolio Lifestyle Balanced Portfolio Lifestyle Moderate Portfolio Lifestyle Conservative Portfolio Effective February 18, 2015, the advisor has contractually agreed to waive its advisory fees and/or reduce expenses by 0.002% of each fund’s average net assets. This expense limitation agreement expires on April 30, 20172016, unless renewed by mutual agreement of the fund and the advisor based upon a determination that this is appropriate under the circumstances at that time. APPENDIX H G Retirement Living Portfolios’ Class Only Expense Limitation Agreement Retirement Living PortfoliosAgreement

Total Return Fund. Effective January 1, 2015, the Adviser contractually agrees to reduce its management fee by 0.025% on aggregate net assets of the Fund and another fund that equal or exceed $3 billion. This expense limitation agreement expires on December 31, 2017, unless renewed by mutual agreement of the Fund and the Adviser based upon a determination that this is appropriate under the circumstances at that time. Retirement Living through 2010 Portfolio Retirement Living through 2015 Portfolio Retirement Living through 2020 Portfolio Retirement Living through 2025 Portfolio Retirement Living through 2030 Portfolio Retirement Living through 2035 Portfolio Retirement Living through 2040 Portfolio Retirement Living through 2045 Portfolio Retirement Living through 2050 Portfolio Retirement Living through 2055 Portfolio Effective February 18, 2015, the advisor The Adviser has contractually agreed to waive its advisory fees and/or reduce expenses by 0.002% of each fundFund’s average net assets. This expense limitation agreement expires on December 31, 20162017, unless renewed by mutual agreement of the fund Fund and the advisor Adviser based upon a determination that this is appropriate under the circumstances at that time. 1 Lifestyle Aggressive Portfolio Lifestyle Growth Portfolio Lifestyle Balanced Portfolio Lifestyle Moderate Portfolio Lifestyle Conservative Portfolio Effective February 18, 2015, the advisor The Adviser has contractually agreed to waive its advisory fees and/or reduce expenses by 0.002% of each fundFund’s average net assets. This expense limitation agreement expires on April 30, 20172018, unless renewed by mutual agreement of the fund Fund and the advisor Adviser based upon a determination that this is appropriate under the circumstances at that time. APPENDIX H Retirement Living Portfolios’ Class Only Expense Limitation Agreement Retirement Living Portfoliostime.3