Following your 5th anniversary of becoming a subscriber, the value of the HORIZON™ Model Portfolio made on January 1st of the year you first enrolled will be greater than one of the following two investment alternatives. And if it is not, you may cancel your subscription and receive a full refund of the prior year's subscription fees.

1. Plan Index (PI). HORIZON™ will outperform an equal distribution reallocated each Action Report period into each of the available fund choices. This represents the average return of all the available fund choices.

2. The BEST Formulaic Asset Allocation (FAA) fund. HORIZON™ will outperform the domestic FAA-style fund (e.g., Life Style, Life Cycle, Target Date Retirement, etc.) in your Plan that had the BEST return during the year prior to the start of each guarantee period. NOTE: If your plan does not have a FAA fund alternative, then HORIZON™ will outperform either the performance of a 70/30 equity/fixed income style mix of the best performing funds in the HORIZON™ Model Portfolio during the year prior to the start of each guarantee period or the Fidelity Freedom fund that had the best return during the year prior to the start of each guarantee period.