DARTMOUTH COLLEGE 403(B) DEFINED CONTRIBUTION RETIREMENT PLAN

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1 DARTMOUTH COLLEGE 403(B) DEFINED CONTRIBUTION RETIREMENT PLAN Summary of Plan Services and Costs This summary provides important information to assist you in making decisions related to your participation in the DARTMOUTH COLLEGE 403(B) DEFINED CONTRIBUTION RETIREMENT PLAN. Your participation in the plan is the first step to ensuring adequate retirement income. Although no action is required at this time, please review this information and refer to it when managing your account. Your plan allows you to direct how contributions are invested. When making investment decisions, you should keep in mind how long you have until retirement, your tolerance for risk, how this retirement plan fits into your overall financial goals, and the impact of fees. Your plan offers a range of investment options available from the following service providers: - TIAA-CREF - Calvert - Fidelity Investments TIAA-CREF Right to Direct Investments You may specify how your future contributions to the retirement plan are invested or make changes to existing investments in your plan as described in the Summary Plan Document. These changes can be made: 1. Online by visiting tiaa-cref.org 2. By phone at available Monday Friday, 8 a.m. to 10 p.m. and Saturday, 9 a.m. to 6 p.m. (ET) Restrictions Changes to existing investments usually take place at the close of the business day if a change is requested prior to 4:00 p.m. (ET). Refer to the Investment Options Comparative Chart for investment-specific restrictions. Additional Rights and Privileges Certain investments that you may hold may give you the opportunity to vote on proposals. If and when such opportunities arise, you will receive a notice with the instructions on how to take advantage of what is being offered.

2 Investment Options A variety of investment options are available in the plan. A current list of investment options and detailed descriptions of each one is available online at tiaa-cref.org/planinvestmentoptions, enter your plan ID, , and you'll be directed to plan and investment information. The investment options available as of the date of this summary include: CREF Bond Market Account CREF Equity Index Account CREF Global Equities Account CREF Growth Account CREF Inflation-Linked Bond Account CREF Money Market Account CREF Social Choice Account CREF Stock Account TIAA Real Estate Account TIAA Traditional Annuity TIAA-CREF Growth & Income Fund Institutional TIAA-CREF International Equity Fund Institutional TIAA-CREF Large-Cap Value Fund Institutional TIAA-CREF Lifecycle 2010 Fund Institutional TIAA-CREF Lifecycle 2015 Fund Institutional TIAA-CREF Lifecycle 2020 Fund Institutional TIAA-CREF Lifecycle 2025 Fund Institutional TIAA-CREF Lifecycle 2030 Fund Institutional TIAA-CREF Lifecycle 2035 Fund Institutional TIAA-CREF Lifecycle 2040 Fund Institutional TIAA-CREF Lifecycle 2045 Fund Institutional TIAA-CREF Lifecycle 2050 Fund Institutional TIAA-CREF Lifecycle 2055 Fund Institutional TIAA-CREF Lifecycle Retirement Income Fund Institutional TIAA-CREF Mid-Cap Growth Fund Institutional TIAA-CREF Mid-Cap Value Fund Institutional TIAA-CREF Real Estate Securities Fund Institutional TIAA-CREF S&P 500 Index Fund Institutional TIAA-CREF Small-Cap Equity Fund Institutional TIAA-CREF Social Choice Equity Fund Institutional Cost of Plan Services There are three categories of services provided to your plan: 1. General Administrative Services General administrative services include recordkeeping, legal, accounting, consulting, investment advisory and other plan administration services. Some of the expenses for general administrative services are fixed and other expenses such as legal or accounting may vary from year to year. These costs are allocated to each participant in a uniform way.

3 Other than your specific investment services fees, your plan has no additional administrative expenses paid to TIAA-CREF. 2. Specific Investment Services Each investment offered within the plan charges a fee for managing the investment and for associated services. This is referred to as the expense ratio and is paid by all participants in that investment in proportion to the amount of their investment. The specific expense ratio for each plan designated investment option is listed in the Investment Options Comparative Chart. 3. Personalized Services Personalized services provide access to a number of plan features and investments that you pay for, only if you use them. The personalized services used most often are: Qualified domestic relations orders No charge Sales charge for certain investments Purchase, withdrawal, and redemption fees for certain investments None Varies, see prospectus A prospectus for each TIAA-CREF investment offered within the plan is available online at tiaa-cref.org/planinvestmentoptions, enter your plan ID, , and you'll be directed to plan and investment information. Variable return investments (mutual funds and/or variable annuities) are offered through your plan sponsor's retirement plan. Funds are offered at that day's net asset value (NAV), and the performance is displayed accordingly. Performance at NAV does not reflect sales charges, which are waived through your retirement plan. If included, the sales charges would have reduced the performance as quoted. There are inherent risks in investing in variable return investments including loss of principal. Please read the prospectus and carefully consider the investment objectives, risks, charges and expenses before investing. Calvert Right to Direct Investments Plan participant may specify how future contributions to the Plan are directed or make changes to existing investments in the Plan as described in the Plan Document. These changes can be made as follows: 1. Online by visiting 2. By phone at , Anytime Restrictions Changes to how future contributions are directed take place in the payroll period following the receipt. Changes to existing investments usually take place at the close of the business day if a change is requested prior to 4:00 p.m. ET. Additional Rights and Privileges Plan participant can transfer assets currently held at another financial institution or exchange shares from one Calvert Fund to another at no additional charge. For information on transferring assets, please call , plan code 272, Monday-Friday, 8:00 am to 5:00 pm.

4 Investment Options Calvert Equity Portfolio A Calvert Capital Accumulation A Calvert Large Cap Value A Calvert Small Cap A Calvert International Equity A Calvert Global Alternative Energy A Calvert International Opportunities Fund A Calvert Global Water Fund A Calvert Conservative Allocation Fund A Calvert Balanced Portfolio A Calvert Equity Income A Calvert Moderate Allocation Fund A Calvert Aggressive Allocation A Calvert Ultra-Short Income A Calvert Short Duration Income Fund A Calvert Bond Portfolio A Calvert Income A Calvert Long Term Income A Calvert High Yield Bond A Calvert Government A Calvert Social Index A Calvert Enhanced Large Cap Core Portfolio A Cost of Plan Services - General Administrative Services These are required to operate the Plan as a whole, and you share in the cost of these services. General administrative services consist of recordkeeping, regulatory compliance and other required services. These costs are allocated to each Plan participant in a uniform way. No general administrative costs are attributable to services provided by Calvert. Cost of Plan Services - Specific Investment Services These are associated with each Plan designated investment. You pay the cost associated with only those investments that you actually use. Each Calvert Fund offered within the Plan charges a fee for managing the investment and for associated services. This is referred to as the expense ratio and is paid by all Plan participants in that investment in proportion to the amount of their investment. The specific expense ratio for each Calvert Fund is available online at A prospectus for each Plan designated investment is available at Cost of Plan Services - Personalized Services These are services that you specifically request and you pay for directly if and when you use them. Personalized services provide access to a number of Plan features and investments that you pay for, only if you use them. Some key personalized services: Loan initiation: Not available through Calvert Qualified domestic relations orders: No charge

5 Sales charges for investments: There is generally no sales charge on shares purchased for the benefit of a retirement plan qualifying under section 403(b) or 401(k) of the Internal Revenue Code. Redemption fees for certain investments: In its effort to detect and prevent market timing, each Calvert non-money market fund charges a 2% redemption fee on redemptions, including exchanges, within 30 days (7 days for Calvert Ultra-Short Income Fund) of purchase into that fund, subject to certain waivers as stated in the Fund Prospectus. Fidelity Investments Right to Direct Investments You have the right to direct your account balance, and any future contributions, among the Plans investment options, subject to any restrictions. Your rights under the Plan, and any restrictions, are subject to the terms of the Plan. Changes can be made: 1. Online by visiting 2. By phone at , available Monday - Friday 8:00 am to midnight (ET). Before investing in any mutual fund, please carefully consider the investment objectives, risks, charges, and expenses. For this and other information, call Fidelity at or visit for a free prospectus or, if available, a summary prospectus. Read it carefully before you invest. Restrictions Frequent trading in investment options subject to such restrictions will result in the limitation or prohibition of additional purchases (other than contributions and loan repayments) for 85 calendar days or a 12 month period. Keep in mind, restrictions are subject to change. Additional Rights and Privileges You have the right to exercise voting, tender, and similar rights related to the following investments you may have in your Plan account: - Mutual Funds Investment Options Fidelity Capital & Income Fidelity Growth Strategies K Fidelity Asset Manager 85% Fidelity Asset Manager 70% Fidelity Asset Manager 20% Fidelity Asset Manager 50% Fidelity Balanced K Fidelity Blue Chip Value Fidelity Blue Chip Growth K Fidelity Select Biotechnology Fidelity Select Multimedia Fidelity Investment Grade Bond

6 Fidelity Select IT Services Fidelity Capital Appreciation K Fidelity Corporate Bond Fidelity Contrafund K Fidelity Conservative Income Bond Fidelity Small Cap Enhanced Index Fidelity Small Cap Growth Fidelity Small Cap Value Fidelity Convertible Securities Fidelity Select Industrials Fidelity Select Computers Fidelity Disciplined Equity K Fidelity Freedom K 2055 Fidelity Select Consumer Staples Fidelity Independence K Fidelity Dividend Growth K Fidelity Diversified International K Fidelity Select Leisure Fidelity Treasury Only Money Market Fidelity Cash Reserves Fidelity Stock Selector Sm Cp Fidelity Stock Selector All Cap Fidelity Global Strategies Fidelity Europe Capital Appreciation Fidelity Emerg Mkts Discv Fidelity EMEA Fidelity Equity Dividend Income K Fidelity Export & Multinational K Fidelity Asset Manager 40% Fidelity K Fidelity Global Cmdty Stk Fidelity Freedom K Income Fidelity Freedom K 2000 Fidelity Freedom K 2010 Fidelity Freedom K 2020 Fidelity Freedom K 2030 Fidelity Freedom K 2040 Fidelity Freedom K 2045 Fidelity Freedom K 2050 Fidelity Freedom K 2005 Fidelity Four-in-One Index Fidelity Floating Rate High Income Fidelity Fifty Fidelity Instl Shrt-Interm Govt Fidelity Global Bond Fidelity Global Balanced Fidelity Growth Company K Fidelity Growth Discovery K Fidelity Global High Income Fidelity Growth & Income K Fidelity Global Equity Income Fidelity GNMA Fund

7 Fidelity Money: Retirement Govt MMkt Fidelity Government Income Fidelity Mega Cap Stock Fidelity US Government Reserves Fidelity Focused High Income Fidelity China Region Fidelity Spartan Interm Trs Bd Idx Advtg Fidelity Canada Fidelity International Discovery K Fidelity Select Financial Services Fidelity International Enhanced Index Fidelity Europe Fidelity International Growth Fidelity Inflation-Protected Bond Fidelity International Bond Fidelity International Real Estate Fidelity Telecom and Utilities Fidelity International Capital Apprec Fidelity International Value Fidelity Japan Fidelity Japan Smaller Companies Fidelity Mid-Cap Stock K Strategic Advisers Value Multi-Mgr Fidelity Freedom K 2035 Fidelity Freedom K 2025 Fidelity Freedom K 2015 Fidelity Latin America Strategic Advisers Core Multi-Mgr Fidelity Spartan L/T Tr Bd Idx Fid Advt Fidelity Large Cap Core Enhanced Index Fidelity Large Cap Stock Fidelity Large Cap Growth Enhanced Index Fidelity Low-Priced Stock K Fidelity Large Cap Value Enhanced Index Fidelity Mid Cap Enhanced Index Strategic Advisers Growth Multi-Mgr Investment Options Fidelity Magellan K Fidelity New Millennium Fidelity Mortgage Secs Fidelity Select Natural Resources Fidelity Nasdaq Composite Index Fidelity New Markets Income Fidelity Nordic Fidelity OTC K Fidelity Pacific Basin Fidelity Select Pharmaceuticals Fidelity Spartan EMkts Idx Advtg Fidelity Puritan K Fidelity Real Estate Investment Fidelity Real Estate Income

8 Fidelity Retirement Money Market Strategic Advisers Inc Opps Fd of Fds Fidelity Select Gold Fidelity Select Air Transportation Fidelity Asset Manager 60% Fidelity Select Automotive Fidelity Spartan S/T Tr Bd Idx Fid Advt Fidelity Select Industrial Equipment Fidelity Select Chemicals Fidelity Spartan Mid Cap Idx Advtg Fidelity International Small Cap Opp Fidelity Select Consumer Discretionary Fidelity Small Cap Discovery Fidelity Select Software & Comp Fidelity Select Defense & Aerospace Fidelity Select Communications Equip Fidelity Strategic Dividend & Income Fidelity Select Materials Fidelity Emerging Asia Fidelity Select Electronics Fidelity Select Energy Fidelity Select Energy Service Fidelity Spartan Extnd Mkt Idx Advtg Fidelity Spartan Glb ex US Idx Advtg Fidelity Short-Term Bond Fidelity Select Medical Delivery Fidelity Select Construction & Housing Fidelity Strategic Income Fidelity Spartan US Bond Idx Advtg Fidelity Spartan Intl Idx Advtg Fidelity Spartan Infl-Prot Bd Idx Fid Ad Fidelity Select Brokerage & Invmt Mgmt Fidelity Small Cap Stock Fidelity Select Envir and Alt Energy Fidelity Select Money Market Fidelity Select Medical Equip & Systems Fidelity Mid Cap Value Fidelity Select Natural Gas Fidelity Select Insurance Fidelity Select Health Care Fidelity Select Technology Fidelity Select Banking Fidelity Select Transportation Fidelity Select Retailing Fidelity Strategic Real Return Fidelity Spartan Real Estate Idx Advtg Fidelity Spartan Sm Cp Idx Advtg Fidelity Select Telecommunications Fidelity Intermediate Government Inc Fidelity Spartan Total Mkt Idx Advtg Fidelity Select Utilities Portfolio Fidelity Select Consumer Finance

9 Fidelity Asset Manager 30% Fidelity Total Bond Fidelity Total Emerg Mkts Fidelity Intermediate Bond Fidelity Total International Equity Fidelity Focused Stock Fidelity Trend Fidelity Ultra-Short Bond Fidelity Spartan 500 Index Advtg Fidelity Value Discovery Fidelity Value K Fidelity Value Strategies K Fidelity Select Wireless Fidelity Worldwide Fidelity Government Money Market Fidelity High Income Fidelity Money Market Fidelity Emerging Markets K Fidelity Equity Income K Fidelity International Small Cap Fidelity Leveraged Company Stock K Fidelity Overseas K Fidelity Stock Selector Mid Cap Fidelity Stock Selector Large Cap Value Strategic Advisors Emerging Markets Strategic Advisors International Multi Manager Strategic Advisors Small Mid Cap Multi Manager Cost of Plan Services - General Administrative Services Plan administrative fees may include legal, accounting, trustee, recordkeeping, and other administrative fees and expenses associated with maintaining the Plan. In some instances, they may be deducted from individual accounts in the Plan. Please keep in mind that fees are subject to change. Cost of Plan Services - Specific Investment Services Asset-based fees reflect an investment options total annual operating expenses and include management and other fees. They are often the largest component of retirement plan costs and are paid by all shareholders of the investment option. Typically, asset-based fees are reflected as a percentage of assets invested in the option and often are referred to as an expense ratio. You may multiply the expense ratio by your balance in the investment option to estimate the annual expenses associated with your holdings. Refer to the Investment Options Comparative Chart for information about the Plans investment options, including their expense ratios (where applicable). Asset-based fees are deducted from an investment options assets, thereby reducing its investment return. Fee levels can vary widely among investment options, depending in part on the type of investment option, its management (including whether it is active or passive), and the risks and complexities of the options strategy. There is not necessarily a correlation between fees and investment performance, and fees are just one component to consider when determining which investment options are right for you.

10 Cost of Plan Services - Personalized Services Individual fees and expenses include those associated with a service or transaction that an individual may select. In some instances, they may be deducted from the accounts of those individuals who utilize the service or engage in the transaction. If you have an account in the Plan and you select or execute the following service(s) or transaction(s), the fee(s) outlined below may be deducted from your account based on the information and direction Fidelity had on file at the time this brochure was prepared. As you review this information, please keep in mind that fees are subject to change and that certain individual fees may not be deducted in some circumstances. Type of Individual Fee Amount: Overnight Mailing Fee $25.00 per transaction. Also please note that you may incur short-term redemption fees, commissions, and similar expenses in connection with transactions associated with your Plans investment options. Please see the Investment Options Comparative Chart for details regarding the specific fees that may apply to the investment options available under the Plan. If any individual fees are actually deducted from your account, they will be reflected on your Plan account statement. Reproduced with permission from DALBAR, Inc., 2013

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