Disclosure

Performance data quoted represents past performance and does not guarantee future results.  Investment return and principal value will vary, and shares may be worth more or less at redemption than at original purchase.  You may obtain standardized performance, including the most recent month-end performance, for each of the No-Load Class of Funds by visiting each Fund’s performance page, or by calling us at 1-800-930-3828.  Current performance may be lower or higher than the performance data quoted.  Where performance information is listed, returns include changes in principal value, reinvested dividends and capital gains distributions. Performance data does not reflect the deduction of the sales load or fee which, if reflected, would reduce the performance quoted.  You will be charged a redemption fee equal to 2.00% of the net amount of the redemption if you redeem or exchange your shares 30 days or less after you purchase them.

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Growth of 10K Chart

The Growth of $10,000 chart illustrates the performance of a hypothetical $10,000 investment made in No Load Class shares on commencement of operations. It assumes reinvestment of capital gains and dividends. This chart is not intended to imply any future performance.