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Neither this Agreement nor any provision hereof shall be amended, modified or discharged, orally or by course of conduct, but only by a written agreement signed by an authorized officer of Lender.

Customer may not transfer, convey or assign any or all of its rights herein without the prior written consent of Lender. Customer submits for itself and its property in any legal action or proceeding relating to this Agreement and any other documents executed and delivered in connection herewith to which Customer is a party; or for recognition and enforcement of any judgment in respect thereof, to the exclusive general jurisdiction of the courts of the State of California, County of Los Angeles, and the Courts of the United States of America for the Central District of California and appellate courts thereof. This Agreement is made and delivered in California, shall be governed by and interpreted in accordance with the internal laws of the State of California without giving effect to conflict of laws principals thereof, and shall not be construed strictly against the drafter hereof. If any action is instituted by Lender with respect to the interpretation, enforcement or collection with respect to this Agreement and/or any document or instrument entered into in connection with any of the foregoing, without limiting any other right or remedy available to Lender under contract, at law or in equity, Lender shall be entitled to any and all reasonable costs and expenses (including, without limitation, attorneys' fees and costs) incurred in connection herewith and therewith.

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Target Date funds offer one-step retirement options that make it easy to achieve the right investment balance as you plan for the future.

The target date is the approximate date when you may plan to retire. When you're ready to start the next chapter of your life, you want your money to also be ready.

Lender shall have the right to terminate this Agreement at any time or (b) the occurrence of an Event of Default.