your employees give their all. pay them back. CHOOSE A SMARTER TARGET DATE FUND Hard-working participants deserve a DC plan built to help them achieve their retirement goals. That starts with offering the right QDIA. Franklin LifeSmart™ Retirement Target Funds are designed to seek the highest level of long-term total return, while actively and continuously managing risk to maximize potential outcomes at retirement. FRANKLIN LIFESMART™ RETIREMENT TARGET FUNDS * NEW GENERATION OF TARGET DATE DESIGN - Innovative " toretirement " glide path with the goal to achieve a higher participant account value at retirement. * DYNAMIC MANAGEMENT - Tactical fl exibility to adapt to changing market conditions, seeking to seize growth opportunities and reduce situation-specifi c risk. * RISK-AWARE PERFORMANCE - Enhanced diversifi cation has helped the funds achieve a history of solid risk-adjusted returns. Find out more at franklintempleton.com/lifesmart. Investors should carefully consider a fund's investment goals, risks, charges and expenses before investing. To obtain a Franklin Templeton fund summary prospectus and/or prospectus that contains this and other information, call 1-800-342-5236. Investors should read the prospectus carefully before investing. Past performance does not guarantee future results. All investments involve risks, including possible loss of principal. Principal invested is not guaranteed at any time, including at or after the fund's retirement target date; nor is there any guarantee that the fund will provide suffi cient income at or through the investor's retirement. © 2015 Franklin Templeton Distributors, Inc.http://www.franklintempleton.com/lifesmart