The Military Personnel Financial Services Protection
Act prohibits the issuance or sale of new periodic payment plans, including
the Destiny Plans. This law does not alter the rights of existing Planholders.
For Destiny planholders who would like to change the total face amount of
their Plans: Additional shares of the underlying fund can be purchased outside
of the Plan without paying additional Plan-level creation and sales charges
of up to 50% on the amount that would have been invested for the first 12
months less the charges already paid, which may lower your cost of investing.
Please consult your investment professional regarding your individual
situation. For more information, contact your financial advisor.