Mutual Funds Information
Before investing in mutual funds, please read the following important information.

1. Past performance is no indication of future results.

Historical performance does not promise the same results in the future. As market conditions change, the value of your mutual fund will change as well. As a result, when you redeem your shares, your investment may be worth more or less than your original cost.

2. The prospectus.

Before you invest in any mutual fund please request a copy of the fund's prospectus. The prospectus contains information on a fund's objectives and strategies, risks and expenses. review the prospectus prior to making your investment to assure yourself that investing in the mutual fund is appropriate for your goals and risk tolerance.

3. Sources believed to be reliable.

The information which follows is believed to have come from reliable sources, however, we cannot guarantee its completeness or suitability for any purpose.

4. Tax issues.

An investment in a mutual fund may result in your receipt of taxable dividends, capital gains and return of capital. The mutual fund in which you invest may be subject to dividend reallocation in which the mutual fund, after it's year end, may reallocate a certain percentage of dividends already paid. We suggest that you consult your tax advisor to discuss the appropriate tax treatment, if any, on your mutual fund transactions.

Not all funds are registered for sale in all states. Please contact your mutual fund representative should you have any questions about the availability of specific mutual funds in your state. In addition, not all securities, products and services described here are available outside of the United States. The information contained in these pages is not an offer to sell or a solicitation of an offer to buy the securities, products or services mentioned here, and no offers or sales will be made in jurisdictions in which the offer and sale of these securities, products and services is not qualified or otherwise exempt from regulation.

6. Special risks of international investing.

Some funds invest in international securities, which can involve different risks than U.S. investments. The risks include political and economic instability, changing currency exchange rates, foreign taxes and differences in financial accounting standards, You should pay attention to these risks if you're considering investing in an international or global fund.

7. Indices are unmanaged.

Indices are unmanaged and do not reflect the payment of advisory fees and other expenses associated with an investment in a fund. Investors cannot directly invest in an index.

8. Money market fund. $1 share price.

Money market funds are managed to maintain a stable $1 share price. Investments in these funds are neither insured nor guaranteed by the U.S. Government, and there can be no assurance that the funds will be able to maintain a stable net asset value of $1 per share.

Important Notice: Standard & Poor's Mutual Fund Data Copyright © 2006 The McGraw-Hill Companies, Inc., Standard & Poor's is a division of The McGraw-Hill Companies, Inc. Reproduction of any information obtained from the Standard & Poor's Mutual Fund Data in any form is prohibited except with the written permission of S&P. Because of the possibility of human or mechanical error by S&P's sources, S&P or others, S&P does not guarantee the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. THERE ARE NO EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OR MERCHANTABILITY OR FITNESS FOR A PARTICUALR PURPOSE OR USE. In no event shall S&P be liable for any indirect, special or consequential damages in connection with subsciber's or other's use of Standard & Poor's Mutual Fund Data.