Explanation of the Exposure Profile in Fund Names:

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0 - No exposure to stocks and no exposure to foreign currency.

1 - Up to 10% exposure to stocks in absolute value.

2 - Up to 30% exposure to stocks in absolute value.

4 - Up to 120% exposure to stocks in absolute value.

A – Up to 10% exposure to foreign currency in absolute value.

B – Up to 30% exposure to foreign currency in absolute value.

D – Up to 120% exposure to foreign currency in absolute value.

This does not constitute a substitute for investment advice by a licensed investment advisor under the law, who considers the data and special needs of each person. The above does not constitute an offer to purchase units in the funds. The purchase of units in the funds is only based on the funds' prospectuses in effect at the time of purchase and immediate reports.

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Past returns of the funds do not guarantee similar returns in the future.