RISKS AND OTHER CONSIDERATIONS
1 Cumulative total return measures the terminal value of an investment relative to the initial value of
the investment and is expressed as a percentage gain (loss), and does not take into account the length of
time over which the investment was held. The terminal value of an investment takes into account both capital
appreciation (depreciation) and reinvestment of income and capital distributions into additional units of the trust.
The terminal value also takes into account maximum allowable sales charges and all applicable expenses of the trust.
2 Average annual total return is the compounded annual return that if constantly earned over the same
time period as the investment would have equated to the same terminal value as the investment, and is expressed as
an annual percentage gain or loss. The terminal value of an investment takes into account both capital
appreciation (depreciation) and reinvestment of income and capital distributions into additional units
of the trust. The terminal value also takes into account maximum allowable sales charges and all
applicable expenses of the trust.
Past performance does not guarantee future results. It is possible to lose money investing in this portfolio.
Average annual total return calculations take into account reinvestment of all distributions and payment of the
trust's maximum applicable up-front and deferred sales charge. Please refer to each trust's highlight card and
prospectus for applicable sales charges and expenses. The value of units will fluctuate with changes in
market conditions and units, when redeemed, may be worth more or less than their original cost.
Returns With Transactional Sales Charge reflect the maximum transactional sales charge that
would be payable by an investor upon sale or redemption of units at the end of the applicable period(s).
The transactional sales charge includes any initial or deferred sales charges other than the creation
and development fee. These returns do not reflect any creation and development fee prior to
collection (generally the close of the initial offering period). Any creation and development fee is reflected
in the returns as of the time of payment by a trust.
Returns with distributions reinvested assumes distributions are reinvested on the reinvestment date.
Product returns will be understated for the period between the distribution Ex-date and Payable-date, if a distribution is
expected.
S&P 500 Index: Index is a capitalization-weighted index of 500 stocks. The index is designed to measure the performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries.
MSCI EAFE® Index: The Index is a free float-adjusted market capitalization index that is designed to measure developed market equity performance of 21 developed market country indices within Europe, Australasia, and the Far East, excluding the United States and Canada.
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This information does not constitute an offer to sell or a solicitation of any offer to buy: nor shall there be any sale of these securities in any state where the offer, solicitation, or sale is not permitted.