Most investors also will incur customary brokerage commissions when buying or selling shares of the Fund, which are not reflected in the table or the Example. FEES AND EXPENSES OF THE FUND The table below describes the fees and expenses that you may pay if you buy and hold shares of the Fund.

~ 41 128 Most investors also will incur customary brokerage commissions when buying or selling shares of the Fund, which are not reflected in the table or the Example.

Although your actual costs may be higher or lower, based on these assumptions your costs would be: EXAMPLE This Example is intended to help you compare the cost of investing in the Fund with the cost of investing in other funds.

If the commissions were included in the Example, your costs would be higher. The Example does not take into account brokerage commissions that you pay when purchasing or selling shares of the Fund. The Example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses remain the same.

~ PERFORMANCE INFORMATION 0.0000 The Example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all of your shares at the end of those periods.

Disclosed principal definition