trailing commissions, management fees and expenses may all be associated
with mutual fund investments. Please read the prospectus before investing.
Mutual funds are not guaranteed, their values change frequently and
past performance may not be repeated. Calculations of average
annual compound returns have been calculated to the date specified.
The calculations included changes in unit value and reinvestment of
all distributions but do not take into account sales, redemption or
optional charges payable by an investor, which would have reduced
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you with any legal advice. If you require legal advice, please consult
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accurate, complete and current at all times. All information in this
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