Performance shown is historical and is not indicative of future returns.
Investment returns and principal value of an investment will fluctuate so that
an investor's shares, when redeemed, may be worth more or less than their
original cost. Performance shown is as of date indicated, and current
performance may be lower or higher than the performance data quoted. To obtain
performance as of the most recent month end, please call 800-967-9009 or visit
* Not Annualized
RISKS ASSOCIATED WITH THE FUNDS:
High Yield Bond Funds: Investing in debt securities
entails interest rate risk, which is the risk that debt securities will decrease
in value with increases in market interest rates. Investing in high yield
securities involves additional risks when compared to investing in investment
grade securities. These include a greater risk of default or bankruptcy and an
increased sensitivity to financial difficulties or changes in interest rates.
Small Cap Value and Mid-Cap Value Funds: Investing in the
securities of small and mid-capitalization companies involves greater risk and
the possibility of greater price volatility than investing in larger
capitalization and more established companies.
International Equity Fund and Emerging Markets Fund: Investing in
foreign equities entails additional risk not associated with domestic equities,
such as currency fluctuations, economic and political instability and
differences in accounting standards. The risks of investing in foreign equities
are heightened when investing in emerging markets.