Prior to December 31, 2003, a proxy was used for the MSCI Emerging Markets ETF. Prior to December 31, 2002, a proxy was used for the MSCI EAFE ETF. Prior to September 4, 2008, a proxy was used for the JP Morgan USD Emerging Markets Bond ETF. Prior to December 29, 2005, a proxy was used for SPDR Gold Shares. Prior to July 23, 2007, a proxy was used for the IBoxx High Yield Corporate Bond ETF. Prior to December 31, 2004, a proxy was used for the U.S. Real Estate ETF. Prior to December 31, 2003, a proxy was used for the iBoxx $ Investment Grade Corporate Bond ETF. Prior to December 31, 2004, a proxy was used for the 1-3 Year Treasury Bond ETF Prior to August 16, 2002, a proxy was used for the SPDR S&P 500 ETF Trust. Prior to December 30, 2005, a proxy was used for the TIPS Bond ETF.

Please refer to the Selected risk considerations for additional information on the Index.