The following tables show the estimated fees and expenses that would be charged on a hypothetical investment of $10,000 in the Fund selected, assuming a hypothetical performance return of either 5 or 10 percent as selected above. This example also assumes that the current annual expense ratio remains the same throughout the 10-year period.

If you choose Class A shares, the example will reflect an initial sales charge of 5.75% or 4.25% based upon the fund selected above. If you choose any other class of shares, there is no initial sales charge but there may be a contingent deferred sales charge ("CDSC"). Hypothetical CDSCs, if applicable, are included in the information provided. Your actual fees and expenses may be higher or lower.

Annual Expense Ratio represents the Fund's annual operating expenses as shown in the most recent shareholder report, net of any applicable fee waiver and/or expense reimbursement.

Hypothetical Fees and Expenses For Next 10 Years estimates the cumulative total expenses that would be incurred over the next 10 years. This is not an annual figure.

Please remember that an investment in a mutual fund involves risk. Investment return and principal value of a mutual fund investment will fluctuate, and shares, when redeemed, may be worth more or less, than their original cost. Mutual fund fees and expenses may fluctuate over time and actual expenses may be higher or lower than the estimates shown.