Important information:

_{Investing in equities involves risks. The value of your shares will fluctuate, and you may lose principal.}

_{Special risks are inherent to international investing, including those related to currency fluctuations and foreign political and economic events. Prices of emerging markets securities can be significantly more volatile than the prices of securities in developed countries and currency risk and political risks are accentuated in emerging markets.}

_{Before investing in bonds, you should understand the risks involved, including credit risk and market risk. Bond investments are also subject to interest rate risk such that when interest rates rise, the prices of bonds can decrease, and the investor can lose principal value if the investment is sold prior to maturity.}

_{Systematic investing does not guarantee a profit or protect against loss. Investors should consider their willingness to keep investing when share prices are declining.}

_{Diversification does not ensure a profit or protect against loss in a declining market.}