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New for Destiny® planholders: As of October 23, 2009, you can now take advantage of expanded diversification options for your Destiny Plan assets. Please see your financial advisor for details.

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.