The Dow Jones Target Maturity 2015 Index is part of a series of balanced indexes with risk profiles
that become more conservative over time. The index allocates among stocks, bonds and cash on a
monthly basis to hit predefined risk levels. The U.S. Target index series consists of six Dow Jones
equity indexes, three/AMBAC bond indexes and the one-to-three months T-bill index. You may not
invest directly in the Dow Jones Target Maturity 2015 Index and, unlike the Fund, this index does not
incur fees and expenses.