Risks and Additional Information

• The total return figures for A shares reflect the maximum sales charge of 5.00% for Equity Funds, Strategic Income Fund and Asset Allocation Funds; 4.75% for Total Return Bond Fund and High Yield Bond Fund; and 3.00% for Short Term Bond Fund. The maximum contingent deferred sales charge (CDSC) for all non-Money Market Funds is 1.00% for C Shares within the first year, with the exception of the Short Term Bond Fund at 0.50% for C Shares within the first year. The total return figures shown for Institutional Shares reflect a sales charge of 0.00% and the deduction of all fund advisory fees and expenses for the period stated. These total return figures reflex the waiver of a portion of a fund’s advisory or administrative fees for certain periods. Without such waiver of fees, the total returns would have been lower. Returns reflect the reinvestment of dividends or capital gains in the fund.
• NAV is Net Asset Value. A mutual fund's price per share value. The per-share dollar amount of the fund is calculated by dividing the total value of all the securities in its portfolio, less any liabilities, by the number of fund shares outstanding. POP is Point of Purchase.
• The current yield more closely reflects the current earnings of the Money Market Fund than the total return figures.

• The fund is rated AAAm by Standard & Poor's. This rating is historical and is based upon the fund's credit quality, market price exposure and management. It signifies that the fund's safety is excellent and that is has a superior capacity to maintain a $ 1.00, net asset value per share. S&P 500 is a registered service mark of Standard and Poor's, a division of the McGraw-Hill Companies, Inc., which does not sponsor and is in no way affiliated with the fund.

  As a Class 1 listing it can be reserved against as if it was an NAIC-1 Bond and is exempt from NAIC reserve requirements.

  The listing allows the fund to be reported on Schedule DA Part 1.

  The Moody's Aaa money market fund rating reflects the high quality and conservative maturity profile of the fund's investments which, in turn, contribute to its liquidity.

• * Gross and Net Expense Ratios are from the 11/23/11 prospectus. Net Expense Ratios indicate the fund's Adviser and Administrator have contractually agreed to waive fees and/or reimburse expenses to limit expense ratios through 11/30/12 for the Equity Index, LifeModel, Short Term Bond and Strategic Income Funds; through 11/23/11 for all other funds. See the fund's quarterly fact sheet for more specific information.
• ** For further explanation on why the performance inception date and fund inception date are different, please see Monthly Returns Document.
• An investment in money market funds is neither insured nor guaranteed by the FDIC or any other government agency. Although money market funds strive to maintain the value of your investment at $1.00 per share, it is possible to lose money by investing in these funds.