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| Important Legal Information |
| For more information on any of our funds, contact your financial advisor or download a prospectus. Investors should carefully consider a fund's investment goals, risks, charges and expenses before investing. The prospectus contains this and other information. Please read the prospectus carefully before investing or sending money.
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| Footnotes |
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Source: Morningstar®. For each fund with at least a 3-year history, Morningstar calculates a risk-adjusted return measure that accounts for variation in a fund's monthly performance (including the effects of all sales charges), placing more emphasis on downward variations and rewarding consistent performance. The top 10% of funds in each category receive a Morningstar Rating™ of 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars and the bottom 10% receive 1 star. (Each share class is counted as a fraction of one fund and rated separately.) A fund's overall rating is derived from a weighted average of the performance figures associated with its 3-, 5- and 10-year (if applicable ) rating metrics. Past performance does not guarantee future results.
Morningstar Rating™ is for Class A shares only; other classes may have different performance characteristics.
© 2008 Morningstar, Inc. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.
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| 2. |
Source: Lipper, Inc. Lipper scores for Total Return reflect funds' historical total return performance relative to peers. The ratings are based on an equal-weighted average of percentile rankings over the 3-, 5- and 10-year periods (if applicable). Twenty percent of funds in each classification are named Lipper Leaders for Total Return, the next 20% receive a score of 4, the middle 20% are scored 3, the next 20% are scored 2 and the lowest 20% are scored 1.
Lipper scores for Preservation reflect funds' historical loss avoidance relative to other funds within the same asset class. Preservation ratings are relative rather than absolute measures, and funds named Lipper Leaders for Preservation may still experience losses periodically; those losses may be larger for equity and mixed equity funds than for fixed income funds. The ratings are based on an equal-weighted average of percentile rankings over the 3-, 5- and 10-year periods (if applicable). Twenty percent of funds in each classification are named Lipper Leaders for Preservation, the next 20% receive a score of 4, the middle 20% are scored 3, the next 20% are scored 2 and the lowest 20% are scored 1.
Lipper scores for Consistent Return reflect funds' historical risk-adjusted returns, adjusted for volatility, relative to peers. The scores are based on an equal-weighted average of percentile rankings over 3-, 5- and 10-year periods (if applicable). Twenty percent of funds in each classification are named Lipper Leaders for Consistent Return, the next 20% receive a score of 4, the middle 20% are scored 3, the next 20% are scored 2 and the lowest 20% are scored 1.
Lipper scores for Expense reflect funds' expense minimization relative to peers with similar load structures. The scores are based on an equal-weighted average of percentile ranks over 3-, 5- and 10-year periods (if applicable). Twenty percent of funds in each classification are named Lipper Leaders for Expense, the next 20% receive a score of 4, the middle 20% are scored 3, the next 20% are scored 2 and the lowest 20% are scored 1.
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