Q.What are the benefits of e-delivery?
A. The benefits of e-delivery include:

• fast delivery: e-delivery documents generally arrive sooner because they avoid postal delivery delays of paper documents.
• less mail: e-delivery reduces the number of paper documents and envelopes in your mailbox.
• convenience: e-delivery offers the convenience of viewing the electronic documents online, saving for personal use or printing for reading and filing purposes.

Q. How do I enroll in e-delivery?
A. Turn on e-delivery through a simple “yes/no” check box within "Your Accounts" on Thrivent.com. Try it out! If you change your mind, you can always resume receiving mailed statements.

Q. How do I deactivate my e-delivery preference?
A. Simply go to Thrivent.com and log in to "Your Accounts". You can change your e-delivery enrollment preference anytime by selecting “edit my information.” The time it takes to process your change from electronic delivery to U.S. mail delivery as well as the amount of time any specific document will be delivered to you by U.S. mail will vary.

Q. When will my U.S. mail resume if I deactivate e-delivery?
A. For mutual fund prospectuses and supplements; annual and semiannual reports, when you deactivate e-delivery, Thrivent Financial will update your preference change within one business day on average, although it could take up to eight weeks for U.S. mail to resume. Fund prospectuses and reports are always available on Thrivent.com until their next update.

For quarterly statements and privacy policy notices, when you deactivate e-delivery, you can not view electronic annual or quarterly statements online at Thrivent.com. It may take up to the next quarter (12 weeks) for your U.S. mail delivery of paper statements to resume. The privacy policy notice is always available on Thrivent.com.

Q. How do I re-enroll in e-delivery?
A. To re-activate your e-delivery preference at anytime, log in to My Accounts on Thrivent.com and change your preference to “YES.”

Q. Who can enroll in e-delivery?
A. Some mutual fund account types are restricted from e-delivery enrollment. If your mutual fund account type changes to an account type that is restricted from e-delivery, you will receive an e-mail notice from Thrivent Financial stating your e-delivery status has been deactivated. You will continue to receive mutual fund statements, annual reports and prospectuses by U.S. mail.

If you enroll in e-delivery for a linked account, you will receive a notice that there are multiple parties linked to the financial statements you wish to receive online. For Thrivent Financial to accept your enrollment in e-delivery, the other individual(s) linked to this statement must also elect e-delivery If they do not take action and enroll in e-delivery within 6 weeks, your e-delivery consent will be deactivated. You will continue to receive U.S. mail delivery for your financial documents.

Or, you can contact our customer service center and request to change the primary (lead) account status to yourself.

Q. How do I know if I can enroll in e-delivery for my mutual fund account type?
A. Consult the table below for an explanation.

Account type	Participant	Can enroll in delivery?	Can receive e-mail notification?	Can view electronic statements online?	Can turn off paper for entire household?
Individual account	primary	Yes	Yes	Yes	Yes
Joint account	primary	Yes	Yes	Yes	Yes
	secondary	Info1	Info1	Info1	No
Custodial account	custodian	Info3	Yes	Yes	Yes
	minor	No	No	No	No
Linked accounts	primary (lead)	Yes	Yes	Yes	Yes
	additional	Info2	Info2	Info2	No
Custodial account with multiple controllers	multiple controllers	No	No	No	No
Inactive, closed or deceased	none	No	No	No	No
Business and trust accounts	none	No	No	No	No

¹ If a secondary account holder on a joint account does not own any other Thrivent Financial mutual funds, the account holder will not be able to enroll in or view electronic statements online.
² Primary account holder must agree to e-delivery for linked accounts in order to make secondary account holder eligible to enroll in e-delivery. If a secondary account holder on a joint account does not own any other Thrivent Financial mutual funds, the account holder will not be able to enroll in or view electronic statements online.
³ If another custodian opens an account for the same minor, e-delivery enrollment is cancelled. E-delivery is not available when there are multiple controllers for one minor’s accounts.

Q. Are there delivery considerations I should know about?
A. If you don't receive an anticipated e-delivery notice, log on to Thrivent.com/access to retrieve your electronic document. If you have anti-spamming software installed on your computer, be sure to enter the Thrivent.com domain as acceptable and/or valid within your anti-spamming software. E-mail delivery can also be delayed or denied by your internet service provider if your e-mail client exceeds the maximum message storage limit.

If you do not have anti-spamming software and the document is available online, please alert our customer service team at 1-800 Thrivent Financial to the missing e-mail notice.

Q. What documents are available for e-delivery?
A. Mutual Fund statements, annual reports, prospectuses and the annual privacy notice are available at this time. Thrivent Financial will also include links to promotional materials or informational stuffers that are normally included in your U.S. mail envelope. Thrivent Financial plans to introduce more investment products for e-delivery in the future. By enrolling now, you will be enrolled in e-delivery as new documents become available. E-delivery is not available for OPT (Optimum), iShare or Self Directed IRA (SDI) statements.

Q. How will I know when documents are available online?
A. You will receive e-mail notices containing hyperlinks to Thrivent.com/access, where you can log on and view a list of the documents available that pertain to your mutual fund. You can identify that the e-mail is being sent as part of our e-delivery service by the sender line, which will be "Thrivent Financial for Lutherans E-delivery Notification Service."

Q. What about undeliverable e-mails?
A. If an e-mail is returned to us as "undeliverable", we will send you a letter by U.S. mail, advising you that the document for which the notice was sent is available online for you to access. The e-mail also advises that if you are unable to access the document electronically, you should call our customer service team at 1-800-THRIVENT (800-847-4836) to request that we mail you a paper copy.

If your Internet service provider advises that e-mails cannot be delivered to you because your address is no longer active, or if repeated attempts to deliver an e-mail to you are returned to us we will suspend electronic notification of documents however, the documents will still be available electronically.

We'll send delivery notices to the e-mail address you provided during enrollment. So, it's important to keep us updated on any changes to your e-mail address. Use the “Edit My Information” link to make changes to your e-mail profile information.

Q. How do I access a document if I deleted the e-mail with the link?
A. To access documents anytime, log in to "Your Accounts" at www.thrivent.com/access.

Q. Is the Electronic Delivery Service secure?
A. The page that captures your preference and displays your statements uses industry standard security, 128-bit encryption. All personal information provided to Thrivent Financial is confidential. Your personal information that is gathered for e-delivery enrollment is used only to service your account. For more, details please see our privacy policy.

Q. Who can enroll in Electronic Delivery?
A. Individual and Joint owners of mutual funds can enroll online at this time. Special owners, such as Multiple Controllers of a Custodial Account, Businesses, Trusts, Churches, Inactive and Closed Accounts are not eligible for Electronic Delivery at this time.

Q. How do I cancel my enrollment in Electronic Delivery?
A. Turn on e-delivery through a simple “yes/no” check box within "Your Accounts" on Thrivent.com. Try it out! If you change your mind, you can always resume receiving mailed statements.

Q. Am I required to receive documents and other communications electronically?
A. No. Enrollment in the service is optional, and you may revert to delivery via U.S. mail at any time.

Q. What software and hardware will I need?
A. To access financial documents, you must be able to view the material on your monitor and print from Internet sites. To view your Quarterly Statements, Annual Reports, Prospectus and Related Communications, you must have Adobe® Reader version 6.0 or later. Download the correct version of Acrobat Reader by either clicking the "Get Adobe Reader" graphic on the Viewing Test screen within the enrollment process, or download it from the Adobe website, www.adobe.com.

Online documents are supported on Microsoft Internet Explorer® version 4.0 and later and Netscape® versions 4.5 and later.

You must also have access to an account with an Internet service provider, and be able to send and receive e-mail that contains hyperlinks to Web sites.

Q. When will I begin to receive documents electronically?
A. After enrollment, e-delivery will be active within a few days. Please note that Thrivent Financial mailings occur at the end of each calendar year quarter and a few additional times throughout the year. Depending on when you enroll for e-delivery, you may not receive an e-mail notification from Thrivent Financial right away. There also may be an overlap period of four to six weeks where your e-delivery and U.S. mail preferences will both be active, until the delivery lists are synchronized.

Q. What will my e-delivery notification look like?
A. Below is an example of the type of e-delivery notification you will receive.

Q. When can I expect e-delivery notifications from Thrivent Financial?
A. Annual and semi-annual reports generally are available by the end of June and December, respectively, of each year. Statements are delivered electronically at the end of each calendar quarter, specifically the first week of April, July, October and January.

Mutual Fund prospectuses generally are available by March of each year. Thrivent Financial members enrolled in e-delivery will also be notified if any prospectus supplement or related document becomes available.

Q. May I receive both paper and electronic documents?
A. If you enroll to receive documents electronically, you can not receive paper documents in the mail on a regular basis. However, if you would like a paper copy of the document, you may print a copy directly from the Web site or call 1-800 THRIVENT (800-847-4836) and request that a paper copy be mailed to you.

Q. Can I save and or print the online documents?
A. Yes. Documents sent via e-delivery may be saved or printed at your convenience. Also, online documents offer you the flexibility to print the entire document or only the pages you need.

Q. Both my spouse and I have individually registered accounts with Thrivent Financial. If I enroll in e-delivery, will I eliminate paper documents for all of our accounts?
A. E-delivery enrollment is based on each member’s Social Security Number or Tax Identification Number (SSN/TIN). When a member enrolls, only the accounts linked to that SSN/TIN benefit from e-delivery. A separate enrollment must be made for any additional SSN/TINs in the same household. If several members of a household enroll in e-delivery with different e-mail addresses, each will receive e-delivery notification. We are unable to consolidate all the e-delivery requests in a household and send one e-delivery notification.

If your statements are consolidated through Thrivent Financial’s Investor Linking program, your statement will be identical to your paper copy. Primary (lead) account holder must agree to e-delivery for linked accounts in order to make additional account holders eligible to enroll in e-delivery. If a secondary account holder on a joint account does not own any other Thrivent Financial mutual funds, the account holder will not be able to enroll in or view electronic statements online.

If you have several family members with mutual funds at the same mailing address, each mutual fund account holder will need to elect the e-delivery preference individually.

Q. Will I need to enroll again as other documents become available through e-delivery?
A. No. You need to enroll only once for e-delivery. With your initial enrollment you will automatically receive all documents that become available through e-delivery.

Q. What if I change my preference?
A. If you change your e-delivery preference from online to paper, you will lose access to any statements previously delivered online. You may want to save your Online Statements before making this change. If you'd like to view your statements online in the future, you can do so by changing your preference back to online.