Please forward this error screen to 75. Please forward this error screen to 109. Please forward aggressive moderate and conservative investments error screen to 129.

Investments The table below lists the funds available for investment through the Miami-Dade County Deferred Compensation Plan administered by ICMA-RC. Browsing the links will open fund profiles with an overview of each fund’s objectives, characteristics, and performance. To access the investment options available in the Payroll-Deducted Roth IRA, please click here. You may also download a PDF version of the Vantagepoint IRA Funds Sheet. New for You — Lower Investment Fees! View the Lower Investment Fees flyer for more information. Before investing, please read the applicable Fund disclosure documents carefully for a complete summary of all fees, expenses, investment objectives and strategies, and risks.

This information is available when you log in at www. Certain fund service fees have been waived so that a fund will not experience negative returns. All fee waivers are temporary and may be discontinued at any time without notice. The fund is not a complete solution for all of your retirement savings needs.

An investment in the fund includes the risk of loss, including near, at or after the target date of the fund. There is no guarantee that the fund will provide adequate income at and through an investor’s retirement. Selecting the fund does not guarantee that you will have adequate savings for retirement. The expense ratio for a “fund of funds” includes acquired fund fees and expenses, which are expenses incurred indirectly by the fund through its ownership in other mutual funds. The fund or underlying fund may have exposure to derivative instruments which may entail additional risks. Please read the fund or underlying fund’s prospectus for information about these risks.

Funds that invest in bonds can lose their value as interest rates rise and an investor can lose principal. Funds that concentrate investments in one industry may involve greater risks than more diversified funds, including greater potential for volatility. Important Legal Information, Privacy Policy Notice, and Overview of Disaster Recovery and Business Continuity Plans. Investment Process This asset allocation portfolio is managed with the intention of providing an optimal mix of a broadly diversified portfolio. There are four main steps involved in the design of the John Hancock Lifestyle Funds. First, asset classes and underlying funds are selected for potential inclusion in the portfolios. Next, sophisticated optimization techniques are used to establish the appropriate weightings given to each asset class.

October 2, 1997 and for the current underlying Portfolio is October 14, 2005. The performance data presented represents past performance. Past performance is no guarantee of future results and current performance may be lower or higher than the performance quoted. An investment in a sub-account will fluctuate in value to reflect the value of the underlying portfolio and, when redeemed, may be worth more or less than original cost. The total revenue John Hancock receives on this Fund is higher than those advised or sub-advised exclusively by unaffiliated entities.

John Hancock and its affiliates provide exclusive advisory and sub-advisory services for the underlying fund. The Net expense ratio shown is for the underlying fund and reflects any fee waivers or expense reimbursements and is subject to change. Please refer to the underlying fund prospectus for additional information. In particular, allocating assets to a small number of options concentrated in particular business or market sectors will subject your account to increased risk and volatility. A fund is exposed to liquidity risk when trading volume, lack of a market maker, or legal restrictions impair the fund’s ability to sell particular securities or close derivative positions at an advantageous price. Fixed-income securities that are not investment grade are commonly referred to as high yield securities or “junk bonds”.

These securities offer a potentially higher yield than other, higher rated securities, but they carry a greater degree of risk and are considered speculative by the major credit rating agencies. The performance of a fund that is actively managed will reflect in part the ability of the manager to make investment decisions that are suited to achieving the fund’s investment objective. Depending on the manager’s investment decisions, a fund may not reach its investment objective or it could underperform its peers or lose money. A fund of funds invests in a number of underlying funds. A fund of fund’s ability to achieve its investment objective will depend largely on the ability of its investment manager to select the appropriate mix of underlying funds and on the underlying funds ability to meet their investment objectives.

A fund of funds is subject to the same risks as the underlying funds in which it invests. Target Allocation Risk is the risk that a fund could lose money as a result of less than optimal or poor asset allocation decisions. From time to time, one or more of the underlying funds may experience relatively large redemptions or investments due to reallocations or re-balancings of the assets of a portfolio, which could affect the performance of the underlying funds and, therefore, the performance of the portfolio. Fixed-income securities or bonds are subject to credit risk and interest rate risk. The credit rating of bonds in the fund could be downgraded or the issuer of a bond could default on its obligations. In general, lower-rated fixed-income securities involve more credit risk. When interest rates rise, bond prices generally fall.