Investing in mutual funds involves risk, including potential loss of investment. You should consider the fund's investment objectives, risks, charges and expenses carefully before investing. The prospectus and/or summary prospectus contains this and other information. You may contact your financial professional or call 866.747.3421 to obtain a current fund prospectus. Please read it carefully.

You should also consider the expenses of the IRA program before investing. You must receive a fund prospectus and the LiveWell^SM Mutual Fund IRA disclosure form before investing.

IRAs are considered a long-term investment. Withdrawals from a Traditional or SEP IRA are generally subject to income taxes and if taken before age 59½, may be subject to an additional 10% IRS tax penalty. Withdrawals from a Roth IRA are generally not subject to income tax provided certain requirements are met. Information on Traditional, Roth and SEP IRAs is available in the LiveWell^SM Mutual Fund IRA disclosure.

UMB Bank n.a. is the custodian for the LiveWell^SM Mutual Fund IRA program. The mutual funds offered through the LiveWell^SM Mutual Fund IRA are made available through Sammons Financial Network^SM LLC, member FINRA, 4546 Corporate Drive, Suite 100, West Des Moines, IA 50266. Information about the LiveWell^SM Mutual Fund IRA and the funds can be obtained by calling 866-747-3421. UMB Bank n.a. is not an affiliate of Sammons Retirement Solutions^SM Inc.

Mutual funds are not bank deposits, and are not insured by the FDIC, NCUA, or other regulatory agencies. They are not obligations of or guaranteed by the financial institution or other affiliated entities, and are not a condition of a loan. These products are subject to market risks and may lose value, including loss of principal.

Transparent Value, LLC is an affiliate of Guggenheim Partners, LLC which is an affiliate of Sammons Enterprises, Inc., the parent company of Midland National Life^® Insurance Company and Sammons Retirement Solutions^SM Inc.