EVENTS

Monthly Investment Workshops

Sponsored by

JAMES D. HITCHCOCK

Senior Vice President, Investments

Where

Polly’s Pies Restaurant

23701 Moulton Parkway // Laguna Hills, CA 92653

Investors should consider the investment objectives, risks and charges and expenses of mutual funds and exchange traded funds carefully before investing. The prospectus contains this and other information about the funds. The prospectus is available from our office and should be read carefully before investing.

Investing involves risk, and investors may incur a profit or a loss. Diversification does not ensure a profit or protect against a loss.

International investing involves additional risks such as currency fluctuations, differing financial accounting standards, and possible political and economic instability. Investing in emerging markets can be riskier than investing in well-established foreign markets. Specific-sector investing, such as real estate, can be subject to different and greater risks than more diversified investments. Declines in the value of real estate, economic conditions, property taxes, tax laws and interest rates all present potential risks to real estate investments. Also investing in an individual sector involves limited diversification and may not be appropriate for every investor.

Target maturity funds seek to maximize assets for retirement in the approximate year (Target Date) listed in the fund name. The fund will gradually shift its focus from more aggressive investments to more conservative ones as the target date approaches. Investment in a target maturity fund is not guaranteed at any time including on or after the target date.