Choosing Your Share Class

Factors you should consider when choosing a class of shares include:

• How long you expect to own the shares;
• How much you intend to invest;
• Total expenses associated with owning shares of each class;
• Whether you qualify for any reduction or waiver of sales charges;
• Whether you plan to take any distributions in the near future; and
• Availability of share classes.

Each investor’s financial considerations are different. You should speak with your financial adviser to help you decide which share class is best for you as each class has a different combination of purchase restrictions, sales charges and ongoing fees, allowing you to choose the class that best meets your needs. Details of each can be found in each corresponding Fund’s prospectus. Investors can also learn more about mutual funds and shares classes at:

• SEC – Mutual Funds
• FINRA – Understanding Mutual Fund Share Classes
• FINRA – Mutual Fund Breakpoints: A Break Worth Taking

R5 Class
R5 Class shares are offered without a sales charge to investors who make an initial investment of at least $250,000. R5 Class shares pay no Rule 12b-1 or shareholder servicing fees.

U.S. Government Money Market Select Fund
For corporate cash accounts, sweep accounts and other institutional investors. An initial investment of at least $1 million is required.

Y Class
Y Class shares are offered without a sales charge to all investors who make an initial investment of at least $100,000. Y Class Shares do not pay a Rule 12b-1 fee. Y Class shares are subject to a shareholder servicing fee of up to 0.10% of the Fund’s average daily net assets.

Legal Entity Beneficial Ownership Certification Form
If you are opening an account for a Limited Liability Company, C Corporation, S Corporation, Partnership, Statutory Trust, or Non-Profit, you must complete and submit the Legal Entity Beneficial Ownership Certification Form with your completed account application.