WHY CITs ARE ON THE RISE As a fl exible, customizable, and potentially low-cost investment option, it's no wonder that use of Collective Investment Trusts (CITs) in DC plans continues to rise. No longer reserved for only the largest plans - CITs have evolved to become more accessible than ever before. Learn more at franklintempleton.com/CIT All financial decisions and investments involve risks, including possible loss of principal. To request the offering documents of a fund, please contact your Franklin Templeton Retirement Sales Department at (800) 530-2432. The offering documents include information regarding investment objectives, risks, expenses and other information that you should read and consider carefully before investing. © 2019 Franklin Templeton Investments. Securities offered through Franklin Templeton Financial Services Corp.http://www.planadviserdigital.com/planadviser/january_february_2019/TrackLink.action?pageName=5&exitLink=http%3A%2F%2Ffranklintempleton.com%2FCIT