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0 <br />HCSP Investment Options <br />You can invest your contributions in any combination of the available investment options. <br />® Learn more online: <br />www.mnretire.gov/hcsp-investment-options <br />Investment Options <br />T. Rowe Price Small Cap Stock Fund Higher Risk/Potential Reward <br />Vanguard Total International Stock Index Fund <br />Vanguard Mid Cap Index Fund <br />Vanguard Total Stock Market Index Fund <br />Vanguard Dividend Growth Fund <br />Vanguard Balanced Index Fund <br />Core Bond Account <br />Vanguard Total Bond Market Index Fund <br />Stable Value Account <br />Money Market Account <br />M <br />Lower Risk/Potential Reward <br />Carefully consider the investment <br />option's objectives, risks, fees and <br />expenses. To obtain a prospectus, <br />summary prospectus or disclosure <br />document, as available, containing <br />this information contact MSRS. Read <br />them carefully before investing. <br />isVisit online at: <br />www.mnretire.gov <br />®Call the MSRS Service Center: <br />1.800.657.5757 or 651.284.7730 <br />You could lose money by investing in the Money Market Account. Although the account seeks to preserve the value of your investment at $1 per share, it cannot guarantee it will <br />do so. An investment in the account is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other govemment agency. The accounts sponsor has no <br />legal obligation to provide financial support to the account, and you should not expect that the sponsor will provide financial support to the account at any time, <br />Investing involves risks, including possible loss of principal. Stock funds have greater risk than bond funds and bond funds have greater risk than capital preservation funds. Investing <br />in foreign investments increases risks due to currency fluctuations, taxation differences and political developments. Bond funds are subject to interest rate, inflation and credit risks <br />associated with the underlying bonds. <br />