497

0001193125-13-010709.txt : 20130111 0001193125-13-010709.hdr.sgml : 20130111 20130111155204 ACCESSION NUMBER: 0001193125-13-010709 CONFORMED SUBMISSION TYPE: 497 PUBLIC DOCUMENT COUNT: 8 FILED AS OF DATE: 20130111 DATE AS OF CHANGE: 20130111 EFFECTIVENESS DATE: 20130111 FILER: COMPANY DATA: COMPANY CONFORMED NAME: PACIFIC LIFE FUNDS CENTRAL INDEX KEY: 0001137761 IRS NUMBER: 000000000 STATE OF INCORPORATION: DE FISCAL YEAR END: 0331 FILING VALUES: FORM TYPE: 497 SEC ACT: 1933 Act SEC FILE NUMBER: 333-61366 FILM NUMBER: 13525467 BUSINESS ADDRESS: STREET 1: 700 NEWPORT CENTER DRIVE STREET 2: POST OFFFICE BOX 7500 CITY: NEWPORT BEACH STATE: CA ZIP: 92660 BUSINESS PHONE: 9492193233 MAIL ADDRESS: STREET 1: 700 NEWPORT CENTER DRIVE CITY: NEWPORT BEACH STATE: CA ZIP: 92660 FORMER COMPANY: FORMER CONFORMED NAME: PACIFIC FUNDS DATE OF NAME CHANGE: 20010405

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497 1 d449162d497.htm 497 497

LOGO

January 11, 2013

Via EDGAR

Securities and Exchange Commission

100 F Street, N.E.

Washington, D.C., 20549

Re: Pacific Life Funds

(File Nos. 333-61366 and 811-10385)

Dear Sir or Madam:

On behalf of Pacific Life Funds (the “Trust”), transmitted herewith for filing pursuant to Rule 497 under the Securities Act of 1933, as amended (“Rule 497”), is the exhibit in the eXtensible Business Reporting Language (XBRL) format that reflects the risk/return summary information included in the prospectus supplement filed pursuant to Rule 497 on January 4, 2013 (accession number 0001193125-13-003862), to the Pacific Life Funds Prospectus dated December 19, 2012 for Advisor Share Classes and July 1, 2012 for all other share classes. Such supplement is incorporated by reference into this Rule 497 document.

If you have any questions or comments, please contact the undersigned at (949) 219-3391 or by e-mail at jglallande@pacificlife.com.

Sincerely,

/s/ J. G. Lallande

J.G. Lallande, Esq.,

Fund Counsel

cc:	Audrey L. Cheng, Esq., Fund Counsel

Anthony H. Zacharski, Esq., Dechert LLP

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Your expenses (in dollars) if you DON'T SELL your shares at the end of each period. 0.002 0.002 0.002 0.002 680 713 313 163 0.0025 0.01 0.01 0.005 0.0028 0.0028 0.0028 0.0028 519 672 1072 967 0.0075 0.0075 0.0075 0.0075 1290 1371 1171 914 0.0148 0.0223 0.0223 0.0173 2354 2200 2544 2019 -0.0013 -0.0013 -0.0013 -0.0013 0.0135 0.021 0.021 0.016 680 213 213 163 967 672 672 519 1290 1171 1171 914 2019 2544 2354 2200 Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment) Your expenses (in dollars) if you SELL your shares at the end of each period. Your expenses (in dollars) if you DON'T SELL your shares at the end of each period. 0.002 0.002 0.002 0.002 685 718 318 168 0.0025 0.01 0.01 0.005 981 1086 686 533 0.0027 0.0027 0.0027 0.0027 1311 1393 1193 936 0.008 0.008 0.008 0.008 2243 2397 2586 2063 0.0152 0.0227 0.0227 0.0177 -0.0012 -0.0012 -0.0012 -0.0012 0.014 0.0215 0.0215 0.0165 685 218 218 168 981 686 686 533 1311 1193 1193 936 2243 2397 2586 2063 Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment) Your expenses (in dollars) if you SELL your shares at the end of each period. Your expenses (in dollars) if you DON’T SELL your shares at the end of each period. 0.002 0.002 0.002 0.002 0.0025 0.01 0.01 0.005 0.0029 0.0029 0.0029 0.0029 0.0087 0.0087 0.0087 0.0087 0.0161 0.0236 0.0236 0.0186 -0.0014 -0.0014 -0.0014 -0.0014 0.0147 0.0222 0.0222 0.0172 691 725 325 175 1004 1109 709 557 1352 1434 1234 979 2333 2487 2674 2156 175 225 225 691 1004 709 709 557 1352 1234 1234 979 2333 2487 2674 2156 Your expenses (in dollars) if you DON'T SELL your shares at the end of each period. Your expenses (in dollars) if you SELL your shares at the end of each period. Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment) 0.002 0.002 0.002 0.002 0.0025 0.01 0.01 0.005 0.0027 0.0027 0.0027 0.0027 0.0084 0.0084 0.0084 0.0084 0.0156 0.0231 0.0231 0.0181 -0.0012 -0.0012 -0.0012 -0.0012 0.0144 0.0219 0.0219 0.0169 689 722 322 172 993 1098 698 546 957 1213 1413 1331 2285 2439 2627 2106 689 222 222 172 993 698 698 546 1331 1213 1213 957 2285 2439 2627 2106 Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment) Your expenses (in dollars) if you SELL your shares at the end of each period. Your expenses (in dollars) if you DON'T SELL your shares at the end of each period. <div style="margin-top:0px;margin-bottom:0px">The second sentence of the second paragraph of each PL Portfolio Optimization Funds Principal investment strategies subsection was replaced with the following: </div>Within the broad asset classes of debt and equity, the fund diversifies its holdings by investing in Underlying Funds that represent a variety of investment styles and security types, including alternative or non-traditional investment strategies. Alternative or non-traditional investment strategies generally are expected to have low to moderate correlation to traditional equity and fixed income investments and, as a result, may offer diversification benefits. In the same subsection, the following was added as the fourth paragraph: The portion of the fund invested in alternative or non-traditional investment strategies may be allocated to Underlying Funds that, in turn, invest in equity or debt securities or other instruments, which may include, among others:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Forward foreign currency contracts; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Foreign currency options; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">High yield debt securities; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top"> Swaps (such as interest rate, cross-currency, total return and credit default swaps); </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Futures on securities, indexes, currencies and other investments; and </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Precious metals-related equity securities. </td></tr></table> In the same subsection, the first sentence of the current fourth paragraph was replaced with the following: The fund may also, at any time invest in Underlying Funds that hold other debt or equity securities or other instruments. <div style="margin-top:0px;margin-bottom:0px">The second sentence of the second paragraph of each PL Portfolio Optimization Funds Principal investment strategies subsection was replaced with the following: </div>Within the broad asset classes of debt and equity, the fund diversifies its holdings by investing in Underlying Funds that represent a variety of investment styles and security types, including alternative or non-traditional investment strategies. Alternative or non-traditional investment strategies generally are expected to have low to moderate correlation to traditional equity and fixed income investments and, as a result, may offer diversification benefits. In the same subsection, the following was added as the fourth paragraph: The portion of the fund invested in alternative or non-traditional investment strategies may be allocated to Underlying Funds that, in turn, invest in equity or debt securities or other instruments, which may include, among others:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Forward foreign currency contracts; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Foreign currency options; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">High yield debt securities; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top"> Swaps (such as interest rate, cross-currency, total return and credit default swaps); </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Futures on securities, indexes, currencies and other investments; and </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Precious metals-related equity securities. </td></tr></table> In the same subsection, the first sentence of the current fourth paragraph was replaced with the following: The fund may also, at any time invest in Underlying Funds that hold other debt or equity securities or other instruments. <div style="margin-top:0px;margin-bottom:0px">The second sentence of the second paragraph of each PL Portfolio Optimization Funds Principal investment strategies subsection was replaced with the following: </div>Within the broad asset classes of debt and equity, the fund diversifies its holdings by investing in Underlying Funds that represent a variety of investment styles and security types, including alternative or non-traditional investment strategies. Alternative or non-traditional investment strategies generally are expected to have low to moderate correlation to traditional equity and fixed income investments and, as a result, may offer diversification benefits. In the same subsection, the following was added as the fourth paragraph: The portion of the fund invested in alternative or non-traditional investment strategies may be allocated to Underlying Funds that, in turn, invest in equity or debt securities or other instruments, which may include, among others:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Forward foreign currency contracts; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Foreign currency options; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">High yield debt securities; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top"> Swaps (such as interest rate, cross-currency, total return and credit default swaps); </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Futures on securities, indexes, currencies and other investments; and </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Precious metals-related equity securities. </td></tr></table> In the same subsection, the first sentence of the current fourth paragraph was replaced with the following: The fund may also, at any time invest in Underlying Funds that hold other debt or equity securities or other instruments. <div style="margin-top:0px;margin-bottom:0px">The second sentence of the second paragraph of each PL Portfolio Optimization Funds Principal investment strategies subsection was replaced with the following: </div>Within the broad asset classes of debt and equity, the fund diversifies its holdings by investing in Underlying Funds that represent a variety of investment styles and security types, including alternative or non-traditional investment strategies. Alternative or non-traditional investment strategies generally are expected to have low to moderate correlation to traditional equity and fixed income investments and, as a result, may offer diversification benefits. In the same subsection, the following was added as the fourth paragraph: The portion of the fund invested in alternative or non-traditional investment strategies may be allocated to Underlying Funds that, in turn, invest in equity or debt securities or other instruments, which may include, among others:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Forward foreign currency contracts; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Foreign currency options; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">High yield debt securities; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top"> Swaps (such as interest rate, cross-currency, total return and credit default swaps); </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Futures on securities, indexes, currencies and other investments; and </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Precious metals-related equity securities. </td></tr></table> In the same subsection, the first sentence of the current fourth paragraph was replaced with the following: The fund may also, at any time invest in Underlying Funds that hold other debt or equity securities or other instruments. <div style="margin-top:12px;margin-bottom:0px">The following was added to each PL Portfolio Optimization Funds Principal risks from holdings in Underlying Funds subsection: </div>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Correlation Risk: While the performance of an Underlying Fund that represents an alternative or non-traditional investment strategy is generally expected to have low to moderate correlation with the performance of traditional equity and fixed income investments over long-term periods, the actual performance of such Underlying Fund may be correlated with those traditional investments over short- or long-term periods. Should there be periods when such Underlying Funds performance is correlated with those traditional investments, any intended diversification effect of including such alternative or non-traditional Underlying Fund as part of an asset allocation strategy may not be achieved, thereby resulting in increased volatility of an asset allocation strategy that includes the Underlying Fund. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Non-Diversification Risk: An Underlying Fund that is classified as non-diversified may invest a greater percentage of its assets in a single issuer or a fewer number of issuers than a diversified fund. This increases potential price volatility and the risk that its value could go down because of the poor performance of a single investment or a small number of investments. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Regulatory Impact Risk: Certain financial instruments are subject to extensive government regulation, which may change frequently and impact a fund significantly. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Short Exposure Risk: When a fund takes a short position using derivative instruments in anticipation of a decline in the market price (i.e., spot price or spot rate) of the underlying reference asset, such as entering into a derivative contract to sell a currency at a predetermined price for future delivery (forward foreign currency contract) in anticipation of a decline in the market price of the underlying currency, it is subject to the risk that the reference asset will increase in value, resulting in a loss. Such loss is theoretically unlimited. Short positions also may expose the fund to leverage risk. </td></tr></table><div style="margin-top:12px;margin-bottom:0px">PL Portfolio Optimization Conservative Fund: Mid-Capitalization Companies Risk and Short Sale Risk were deleted from the Principal risks from holdings in Underlying Funds subsection. </div> <div style="margin-top:12px;margin-bottom:0px">The following was added to each PL Portfolio Optimization Funds Principal risks from holdings in Underlying Funds subsection: </div>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Correlation Risk: While the performance of an Underlying Fund that represents an alternative or non-traditional investment strategy is generally expected to have low to moderate correlation with the performance of traditional equity and fixed income investments over long-term periods, the actual performance of such Underlying Fund may be correlated with those traditional investments over short- or long-term periods. Should there be periods when such Underlying Funds performance is correlated with those traditional investments, any intended diversification effect of including such alternative or non-traditional Underlying Fund as part of an asset allocation strategy may not be achieved, thereby resulting in increased volatility of an asset allocation strategy that includes the Underlying Fund. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Non-Diversification Risk: An Underlying Fund that is classified as non-diversified may invest a greater percentage of its assets in a single issuer or a fewer number of issuers than a diversified fund. This increases potential price volatility and the risk that its value could go down because of the poor performance of a single investment or a small number of investments. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Regulatory Impact Risk: Certain financial instruments are subject to extensive government regulation, which may change frequently and impact a fund significantly. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Short Exposure Risk: When a fund takes a short position using derivative instruments in anticipation of a decline in the market price (i.e., spot price or spot rate) of the underlying reference asset, such as entering into a derivative contract to sell a currency at a predetermined price for future delivery (forward foreign currency contract) in anticipation of a decline in the market price of the underlying currency, it is subject to the risk that the reference asset will increase in value, resulting in a loss. Such loss is theoretically unlimited. Short positions also may expose the fund to leverage risk. </td></tr></table><div style="margin-top:12px;margin-bottom:0px">PL Portfolio Optimization Moderate-Conservative Fund: Inflation-Indexed Debt Securities Risk and Short Sale Risk were deleted from the Principal risks from holdings in Underlying Funds subsection. </div> <div style="margin-top:12px;margin-bottom:0px">The following was added to each PL Portfolio Optimization Funds Principal risks from holdings in Underlying Funds subsection: </div>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Correlation Risk: While the performance of an Underlying Fund that represents an alternative or non-traditional investment strategy is generally expected to have low to moderate correlation with the performance of traditional equity and fixed income investments over long-term periods, the actual performance of such Underlying Fund may be correlated with those traditional investments over short- or long-term periods. Should there be periods when such Underlying Funds performance is correlated with those traditional investments, any intended diversification effect of including such alternative or non-traditional Underlying Fund as part of an asset allocation strategy may not be achieved, thereby resulting in increased volatility of an asset allocation strategy that includes the Underlying Fund. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Non-Diversification Risk: An Underlying Fund that is classified as non-diversified may invest a greater percentage of its assets in a single issuer or a fewer number of issuers than a diversified fund. This increases potential price volatility and the risk that its value could go down because of the poor performance of a single investment or a small number of investments. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Regulatory Impact Risk: Certain financial instruments are subject to extensive government regulation, which may change frequently and impact a fund significantly. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Short Exposure Risk: When a fund takes a short position using derivative instruments in anticipation of a decline in the market price (i.e., spot price or spot rate) of the underlying reference asset, such as entering into a derivative contract to sell a currency at a predetermined price for future delivery (forward foreign currency contract) in anticipation of a decline in the market price of the underlying currency, it is subject to the risk that the reference asset will increase in value, resulting in a loss. Such loss is theoretically unlimited. Short positions also may expose the fund to leverage risk. </td></tr></table><div style="margin-top:12px;margin-bottom:0px">PL Portfolio Optimization Moderate Fund: Short Sale Risk was deleted from the Principal risks from holdings in Underlying Funds subsection and the following was added: </div>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">High-Yield or Junk Securities Risk: High yield securities are typically issued by companies that are highly leveraged, less creditworthy or financially distressed and are considered to be mostly speculative in nature (high risk), potentially less liquid, and subject to a greater risk of loss, that is they are more likely to default than higher rated securities. </td></tr></table> <div style="margin-top:12px;margin-bottom:0px">The following was added to each PL Portfolio Optimization Funds Principal risks from holdings in Underlying Funds subsection: </div>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Correlation Risk: While the performance of an Underlying Fund that represents an alternative or non-traditional investment strategy is generally expected to have low to moderate correlation with the performance of traditional equity and fixed income investments over long-term periods, the actual performance of such Underlying Fund may be correlated with those traditional investments over short- or long-term periods. Should there be periods when such Underlying Funds performance is correlated with those traditional investments, any intended diversification effect of including such alternative or non-traditional Underlying Fund as part of an asset allocation strategy may not be achieved, thereby resulting in increased volatility of an asset allocation strategy that includes the Underlying Fund. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Non-Diversification Risk: An Underlying Fund that is classified as non-diversified may invest a greater percentage of its assets in a single issuer or a fewer number of issuers than a diversified fund. This increases potential price volatility and the risk that its value could go down because of the poor performance of a single investment or a small number of investments. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Regulatory Impact Risk: Certain financial instruments are subject to extensive government regulation, which may change frequently and impact a fund significantly. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Short Exposure Risk: When a fund takes a short position using derivative instruments in anticipation of a decline in the market price (i.e., spot price or spot rate) of the underlying reference asset, such as entering into a derivative contract to sell a currency at a predetermined price for future delivery (forward foreign currency contract) in anticipation of a decline in the market price of the underlying currency, it is subject to the risk that the reference asset will increase in value, resulting in a loss. Such loss is theoretically unlimited. Short positions also may expose the fund to leverage risk. </td></tr></table><div style="margin-top:12px;margin-bottom:0px">PL Portfolio Optimization Aggressive Fund: The following was added to the Principal risks from holdings in Underlying Funds subsection: </div>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">U.S. Government Securities Risk: Not all U.S. government securities are backed or guaranteed by the U.S. government and different U.S. government securities are subject to varying degrees of credit risk. There is risk that the U.S. government will not provide financial support to U.S. government agencies, instrumentalities or sponsored enterprises if it is not obligated to do so by law. </td></tr></table> <div style="margin-top:0px;margin-bottom:0px">The second sentence of the second paragraph of each PL Portfolio Optimization Funds Principal investment strategies subsection was replaced with the following: </div>Within the broad asset classes of debt and equity, the fund diversifies its holdings by investing in Underlying Funds that represent a variety of investment styles and security types, including alternative or non-traditional investment strategies. Alternative or non-traditional investment strategies generally are expected to have low to moderate correlation to traditional equity and fixed income investments and, as a result, may offer diversification benefits. In the same subsection, the following was added as the fourth paragraph: The portion of the fund invested in alternative or non-traditional investment strategies may be allocated to Underlying Funds that, in turn, invest in equity or debt securities or other instruments, which may include, among others:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Forward foreign currency contracts; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Foreign currency options; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">High yield debt securities; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top"> Swaps (such as interest rate, cross-currency, total return and credit default swaps); </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Futures on securities, indexes, currencies and other investments; and </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Precious metals-related equity securities. </td></tr></table> In the same subsection, the first sentence of the current fourth paragraph was replaced with the following: The fund may also, at any time invest in Underlying Funds that hold other debt or equity securities or other instruments. <div style="margin-top:12px;margin-bottom:0px">The following was added to each PL Portfolio Optimization Funds Principal risks from holdings in Underlying Funds subsection: </div>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Correlation Risk: While the performance of an Underlying Fund that represents an alternative or non-traditional investment strategy is generally expected to have low to moderate correlation with the performance of traditional equity and fixed income investments over long-term periods, the actual performance of such Underlying Fund may be correlated with those traditional investments over short- or long-term periods. Should there be periods when such Underlying Funds performance is correlated with those traditional investments, any intended diversification effect of including such alternative or non-traditional Underlying Fund as part of an asset allocation strategy may not be achieved, thereby resulting in increased volatility of an asset allocation strategy that includes the Underlying Fund. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Non-Diversification Risk: An Underlying Fund that is classified as non-diversified may invest a greater percentage of its assets in a single issuer or a fewer number of issuers than a diversified fund. This increases potential price volatility and the risk that its value could go down because of the poor performance of a single investment or a small number of investments. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Regulatory Impact Risk: Certain financial instruments are subject to extensive government regulation, which may change frequently and impact a fund significantly. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Short Exposure Risk: When a fund takes a short position using derivative instruments in anticipation of a decline in the market price (i.e., spot price or spot rate) of the underlying reference asset, such as entering into a derivative contract to sell a currency at a predetermined price for future delivery (forward foreign currency contract) in anticipation of a decline in the market price of the underlying currency, it is subject to the risk that the reference asset will increase in value, resulting in a loss. Such loss is theoretically unlimited. Short positions also may expose the fund to leverage risk. </td></tr></table> SUPPLEMENT DATED DECEMBER 19, 2012 TO THE PROSPECTUS FOR PACIFIC LIFE FUNDS CLASS A, B, C, I, R AND ADVISOR SHARES DATED DECEMBER 19, 2012 FOR ADVISOR CLASS SHARES AND JULY 1, 2012 FOR ALL OTHER SHARE CLASSES This supplement revises the Pacific Life Funds Class A, B, C, I, R and Advisor Shares prospectus dated December 19, 2012 for Advisor Class shares and dated July 1, 2012 for all other share classes (Prospectus), and must be preceded or accompanied by the Prospectus. The changes within this supplement were effective as of December 7, 2012. Remember to review the Prospectus for other important information. Disclosure Changes to the Fund Summaries section PL Portfolio Optimization Conservative Fund, PL Portfolio Optimization Moderate-Conservative Fund, PL Portfolio Optimization Moderate Fund, PL Portfolio Optimization Moderate-Aggressive Fund and PL Portfolio Optimization Aggressive Fund (the PL Portfolio Optimization Funds): For each PL Portfolio Optimization Fund, the Class A, B, C and R shares columns in the Annual fund operating expenses table and expense Examples (Fee Tables) were replaced with the information below. In addition, a footnote reference was included after Annual fund operating expenses in the table heading and the following related footnote was added to each Annual fund operating expenses table: The expense information has been restated to reflect current fees. No other information in the Fee Tables changed, including related footnotes.   <div style="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px"> PL Portfolio Optimization Conservative Fund Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment)   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="45%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="1%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Management Fee</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Distribution (12b-1) and/or Service Fees</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.25%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.50%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Other Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.28%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.28%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.28%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.28%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Acquired Funds Fees and Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.70%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.70%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.70%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.70%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.43%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.18%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.18%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.68%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.13%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.13%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.13%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.13%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses after Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.30%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.05%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.05%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.55%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>    <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">Your expenses (in dollars) if you SELL your shares at the end of each period.</td><td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">   </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">675</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">708</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">308</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">158</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">953</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,056</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">656</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">504</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,265</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,345</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,145</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">888</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,147</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,302</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,492</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,965</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>  <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">Your expenses (in dollars) if you DONT SELL your shares at the end of each period.</td> <td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">   </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">675</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">208</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">208</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">158</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">953</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">656</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">656</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">504</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,265</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,145</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,145</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">888</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,147</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,302</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,492</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,965</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table> </div><div style="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px"> PL Portfolio Optimization Moderate-Conservative Fund Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment)   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="45%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="1%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Management Fee</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Distribution (12b-1) and/or Service Fees</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.25%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.50%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Other Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.28%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.28%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.28%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.28%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Acquired Funds Fees and Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.75%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.75%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.75%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.75%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.48%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.23%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.23%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.73%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.13%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.13%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.13%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.13%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses after Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.35%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.10%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.10%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.60%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="10" valign="top" align="left"></td></tr></table> <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">Your expenses (in dollars) if you SELL your shares at the end of each period.</td> <td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">680</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">713</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">313</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">163</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">967</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,072</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">672</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">519</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,290</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,371</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,171</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">914</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,200</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,354</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,544</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,019</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">Your expenses (in dollars) if you DONT SELL your shares at the end of each period.</td> <td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">   </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">680</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">213</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">213</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">163</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">967</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">672</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">672</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">519</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,290</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,171</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,171</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">914</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,200</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,354</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,544</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,019</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table> </div><div style="clear:both; height:0px; font-size:0px"> </div><div style="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px"> PL Portfolio Optimization Moderate Fund Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment)   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="45%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="1%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Management Fee</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Distribution (12b-1) and/or Service Fees</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.25%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.50%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Other Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Acquired Funds Fees and Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.80%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.80%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.80%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.80%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.52%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.77%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses after Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.40%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.15%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.15%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.65%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">Your expenses (in dollars) if you SELL your shares at the end of each period.</td> <td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">   </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">685</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">718</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">318</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">168</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">981</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,086</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">686</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">533</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,311</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,393</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,193</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">936</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,243</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,397</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,586</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,063</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">Your expenses (in dollars) if you DONT SELL your shares at the end of each period.</td> <td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">   </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">685</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">218</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">218</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">168</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">981</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">686</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">686</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">533</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,311</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,193</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,193</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">936</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,243</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,397</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,586</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,063</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table> PL Portfolio Optimization Aggressive Fund Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment)   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="45%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="1%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Management Fee</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Distribution (12b-1) and/or Service Fees</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.25%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.50%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Other Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.29%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.29%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.29%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.29%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Acquired Funds Fees and Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.87%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.87%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.87%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.87%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.61%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.36%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.36%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.86%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.14%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.14%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.14%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.14%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses after Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.47%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.22%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.22%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.72%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table> </div><div style="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px"> PL Portfolio Optimization Moderate-Aggressive Fund Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment)   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="45%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="1%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Management Fee</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Distribution (12b-1) and/or Service Fees</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.25%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.50%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Other Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Acquired Funds Fees and Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.84%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.84%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.84%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.84%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.56%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.31%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.31%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.81%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses after Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.44%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.19%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.19%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.69%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">Your expenses (in dollars) if you SELL your shares at the end of each period.</td> <td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">   </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">689</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">722</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">322</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">172</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">993</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,098</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">698</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">546</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,331</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,413</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,213</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">957</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,285</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,439</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,627</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,106</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; padding-left:8px">Your expenses (in dollars) if you DONT SELL your shares at the end of each period.</td> <td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; padding-right:8px">   </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">689</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">222</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">222</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">172</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">993</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">698</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">698</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">546</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,331</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,213</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,213</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">957</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,285</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,439</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,627</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,106</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>           <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">Your expenses (in dollars) if you SELL your shares at the end of each period.</td> <td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">   </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">691</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">725</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">325</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">175</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,004</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,109</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">709</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">557</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,352</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,434</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,234</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">979</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,333</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,487</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,674</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,156</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">Your expenses (in dollars) if you DONT SELL your shares at the end of each period.</td> <td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">   </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">691</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">225</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">225</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">175</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,004</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">709</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">709</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">557</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,352</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,234</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,234</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">979</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,333</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,487</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,674</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,156</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table> </div><div style="clear:both; height:0px; font-size:0px"> </div>  The second sentence of the second paragraph of each PL Portfolio Optimization Funds Principal investment strategies subsection was replaced with the following: Within the broad asset classes of debt and equity, the fund diversifies its holdings by investing in Underlying Funds that represent a variety of investment styles and security types, including alternative or non-traditional investment strategies. Alternative or non-traditional investment strategies generally are expected to have low to moderate correlation to traditional equity and fixed income investments and, as a result, may offer diversification benefits. In the same subsection, the following was added as the fourth paragraph: The portion of the fund invested in alternative or non-traditional investment strategies may be allocated to Underlying Funds that, in turn, invest in equity or debt securities or other instruments, which may include, among others:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Forward foreign currency contracts; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Foreign currency options; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">High yield debt securities; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top"> Swaps (such as interest rate, cross-currency, total return and credit default swaps); </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Futures on securities, indexes, currencies and other investments; and </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Precious metals-related equity securities. </td></tr></table> In the same subsection, the first sentence of the current fourth paragraph was replaced with the following: The fund may also, at any time invest in Underlying Funds that hold other debt or equity securities or other instruments. The following was added to each PL Portfolio Optimization Funds Principal risks from holdings in Underlying Funds subsection:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Correlation Risk: While the performance of an Underlying Fund that represents an alternative or non-traditional investment strategy is generally expected to have low to moderate correlation with the performance of traditional equity and fixed income investments over long-term periods, the actual performance of such Underlying Fund may be correlated with those traditional investments over short- or long-term periods. Should there be periods when such Underlying Funds performance is correlated with those traditional investments, any intended diversification effect of including such alternative or non-traditional Underlying Fund as part of an asset allocation strategy may not be achieved, thereby resulting in increased volatility of an asset allocation strategy that includes the Underlying Fund. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Non-Diversification Risk: An Underlying Fund that is classified as non-diversified may invest a greater percentage of its assets in a single issuer or a fewer number of issuers than a diversified fund. This increases potential price volatility and the risk that its value could go down because of the poor performance of a single investment or a small number of investments. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Regulatory Impact Risk: Certain financial instruments are subject to extensive government regulation, which may change frequently and impact a fund significantly. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Short Exposure Risk: When a fund takes a short position using derivative instruments in anticipation of a decline in the market price (i.e., spot price or spot rate) of the underlying reference asset, such as entering into a derivative contract to sell a currency at a predetermined price for future delivery (forward foreign currency contract) in anticipation of a decline in the market price of the underlying currency, it is subject to the risk that the reference asset will increase in value, resulting in a loss. Such loss is theoretically unlimited. Short positions also may expose the fund to leverage risk. </td></tr></table> PL Portfolio Optimization Conservative Fund: Mid-Capitalization Companies Risk and Short Sale Risk were deleted from the Principal risks from holdings in Underlying Funds subsection. PL Portfolio Optimization Moderate-Conservative Fund: Inflation-Indexed Debt Securities Risk and Short Sale Risk were deleted from the Principal risks from holdings in Underlying Funds subsection. PL Portfolio Optimization Moderate Fund: Short Sale Risk was deleted from the Principal risks from holdings in Underlying Funds subsection and the following was added:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">High-Yield or Junk Securities Risk: High yield securities are typically issued by companies that are highly leveraged, less creditworthy or financially distressed and are considered to be mostly speculative in nature (high risk), potentially less liquid, and subject to a greater risk of loss, that is they are more likely to default than higher rated securities. </td></tr></table> PL Portfolio Optimization Aggressive Fund: The following was added to the Principal risks from holdings in Underlying Funds subsection:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">U.S. Government Securities Risk: Not all U.S. government securities are backed or guaranteed by the U.S. government and different U.S. government securities are subject to varying degrees of credit risk. There is risk that the U.S. government will not provide financial support to U.S. government agencies, instrumentalities or sponsored enterprises if it is not obligated to do so by law. </td></tr></table> SUPPLEMENT DATED DECEMBER 19, 2012 TO THE PROSPECTUS FOR PACIFIC LIFE FUNDS CLASS A, B, C, I, R AND ADVISOR SHARES DATED DECEMBER 19, 2012 FOR ADVISOR CLASS SHARES AND JULY 1, 2012 FOR ALL OTHER SHARE CLASSES This supplement revises the Pacific Life Funds Class A, B, C, I, R and Advisor Shares prospectus dated December 19, 2012 for Advisor Class shares and dated July 1, 2012 for all other share classes (Prospectus), and must be preceded or accompanied by the Prospectus. The changes within this supplement were effective as of December 7, 2012. Remember to review the Prospectus for other important information. Disclosure Changes to the Fund Summaries section PL Portfolio Optimization Conservative Fund, PL Portfolio Optimization Moderate-Conservative Fund, PL Portfolio Optimization Moderate Fund, PL Portfolio Optimization Moderate-Aggressive Fund and PL Portfolio Optimization Aggressive Fund (the PL Portfolio Optimization Funds): For each PL Portfolio Optimization Fund, the Class A, B, C and R shares columns in the Annual fund operating expenses table and expense Examples (Fee Tables) were replaced with the information below. In addition, a footnote reference was included after Annual fund operating expenses in the table heading and the following related footnote was added to each Annual fund operating expenses table: The expense information has been restated to reflect current fees. No other information in the Fee Tables changed, including related footnotes.   <div> PL Portfolio Optimization Conservative Fund Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment)   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="45%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="1%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Management Fee</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Distribution (12b-1) and/or Service Fees</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.25%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.50%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Other Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.28%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.28%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.28%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.28%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Acquired Funds Fees and Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.70%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.70%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.70%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.70%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.43%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.18%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.18%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.68%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.13%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.13%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.13%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.13%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses after Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.30%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.05%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.05%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.55%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>     <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Your expenses (in dollars) if you SELL your shares at the end of each period.</div></td> <td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">   </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">675</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">708</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">308</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">158</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">953</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,056</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">656</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">504</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,265</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,345</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,145</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">888</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,147</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,302</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,492</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,965</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">Your expenses (in dollars) if you DONT SELL your shares at the end of each period.</td> <td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">   </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">675</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">208</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">208</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">158</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">953</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">656</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">656</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">504</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,265</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,145</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,145</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">888</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,147</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,302</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,492</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,965</td><td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table> </div> The second sentence of the second paragraph of each PL Portfolio Optimization Funds Principal investment strategies subsection was replaced with the following: Within the broad asset classes of debt and equity, the fund diversifies its holdings by investing in Underlying Funds that represent a variety of investment styles and security types, including alternative or non-traditional investment strategies. Alternative or non-traditional investment strategies generally are expected to have low to moderate correlation to traditional equity and fixed income investments and, as a result, may offer diversification benefits. In the same subsection, the following was added as the fourth paragraph: The portion of the fund invested in alternative or non-traditional investment strategies may be allocated to Underlying Funds that, in turn, invest in equity or debt securities or other instruments, which may include, among others:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Forward foreign currency contracts; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Foreign currency options; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">High yield debt securities; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top"> Swaps (such as interest rate, cross-currency, total return and credit default swaps); </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Futures on securities, indexes, currencies and other investments; and </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Precious metals-related equity securities. </td></tr></table> In the same subsection, the first sentence of the current fourth paragraph was replaced with the following: The fund may also, at any time invest in Underlying Funds that hold other debt or equity securities or other instruments. The following was added to each PL Portfolio Optimization Funds Principal risks from holdings in Underlying Funds subsection:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Correlation Risk: While the performance of an Underlying Fund that represents an alternative or non-traditional investment strategy is generally expected to have low to moderate correlation with the performance of traditional equity and fixed income investments over long-term periods, the actual performance of such Underlying Fund may be correlated with those traditional investments over short- or long-term periods. Should there be periods when such Underlying Funds performance is correlated with those traditional investments, any intended diversification effect of including such alternative or non-traditional Underlying Fund as part of an asset allocation strategy may not be achieved, thereby resulting in increased volatility of an asset allocation strategy that includes the Underlying Fund. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Non-Diversification Risk: An Underlying Fund that is classified as non-diversified may invest a greater percentage of its assets in a single issuer or a fewer number of issuers than a diversified fund. This increases potential price volatility and the risk that its value could go down because of the poor performance of a single investment or a small number of investments. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Regulatory Impact Risk: Certain financial instruments are subject to extensive government regulation, which may change frequently and impact a fund significantly. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Short Exposure Risk: When a fund takes a short position using derivative instruments in anticipation of a decline in the market price (i.e., spot price or spot rate) of the underlying reference asset, such as entering into a derivative contract to sell a currency at a predetermined price for future delivery (forward foreign currency contract) in anticipation of a decline in the market price of the underlying currency, it is subject to the risk that the reference asset will increase in value, resulting in a loss. Such loss is theoretically unlimited. Short positions also may expose the fund to leverage risk. </td></tr></table> PL Portfolio Optimization Conservative Fund: Mid-Capitalization Companies Risk and Short Sale Risk were deleted from the Principal risks from holdings in Underlying Funds subsection. SUPPLEMENT DATED DECEMBER 19, 2012 TO THE PROSPECTUS FOR PACIFIC LIFE FUNDS CLASS A, B, C, I, R AND ADVISOR SHARES DATED DECEMBER 19, 2012 FOR ADVISOR CLASS SHARES AND JULY 1, 2012 FOR ALL OTHER SHARE CLASSES This supplement revises the Pacific Life Funds Class A, B, C, I, R and Advisor Shares prospectus dated December 19, 2012 for Advisor Class shares and dated July 1, 2012 for all other share classes (Prospectus), and must be preceded or accompanied by the Prospectus. The changes within this supplement were effective as of December 7, 2012. Remember to review the Prospectus for other important information. Disclosure Changes to the Fund Summaries section PL Portfolio Optimization Conservative Fund, PL Portfolio Optimization Moderate-Conservative Fund, PL Portfolio Optimization Moderate Fund, PL Portfolio Optimization Moderate-Aggressive Fund and PL Portfolio Optimization Aggressive Fund (the PL Portfolio Optimization Funds): For each PL Portfolio Optimization Fund, the Class A, B, C and R shares columns in the Annual fund operating expenses table and expense Examples (Fee Tables) were replaced with the information below. In addition, a footnote reference was included after Annual fund operating expenses in the table heading and the following related footnote was added to each Annual fund operating expensestable: The expense information has been restated to reflect current fees. No other information in the Fee Tables changed, including related footnotes.  <div>PL Portfolio Optimization Moderate-Conservative Fund Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment)   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="45%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="1%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Management Fee</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Distribution (12b-1) and/or Service Fees</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.25%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.50%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Other Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.28%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.28%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.28%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.28%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Acquired Funds Fees and Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.75%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.75%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.75%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.75%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.48%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.23%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.23%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.73%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.13%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.13%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.13%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.13%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses after Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.35%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.10%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.10%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.60%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="10" valign="top" align="left"></td></tr></table> <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">Your expenses (in dollars) if you SELL your shares at the end of each period.</td> <td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">680</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">713</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">313</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">163</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">967</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,072</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">672</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">519</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,290</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,371</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,171</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">914</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,200</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,354</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,544</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,019</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">Your expenses (in dollars) if you DONT SELL your shares at the end of each period.</td> <td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">   </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">680</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">213</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">213</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">163</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">967</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">672</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">672</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">519</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,290</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,171</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,171</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">914</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,200</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,354</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,544</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,019</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table> </div> The second sentence of the second paragraph of each PL Portfolio Optimization Funds Principal investment strategies subsection was replaced with the following: Within the broad asset classes of debt and equity, the fund diversifies its holdings by investing in Underlying Funds that represent a variety of investment styles and security types, including alternative or non-traditional investment strategies. Alternative or non-traditional investment strategies generally are expected to have low to moderate correlation to traditional equity and fixed income investments and, as a result, may offer diversification benefits. In the same subsection, the following was added as the fourth paragraph: The portion of the fund invested in alternative or non-traditional investment strategies may be allocated to Underlying Funds that, in turn, invest in equity or debt securities or other instruments, which may include, among others:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Forward foreign currency contracts; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Foreign currency options; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">High yield debt securities; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top"> Swaps (such as interest rate, cross-currency, total return and credit default swaps); </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Futures on securities, indexes, currencies and other investments; and </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Precious metals-related equity securities. </td></tr></table> In the same subsection, the first sentence of the current fourth paragraph was replaced with the following: The fund may also, at any time invest in Underlying Funds that hold other debt or equity securities or other instruments. The following was added to each PL Portfolio Optimization Funds Principal risks from holdings in Underlying Funds subsection:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Correlation Risk: While the performance of an Underlying Fund that represents an alternative or non-traditional investment strategy is generally expected to have low to moderate correlation with the performance of traditional equity and fixed income investments over long-term periods, the actual performance of such Underlying Fund may be correlated with those traditional investments over short- or long-term periods. Should there be periods when such Underlying Funds performance is correlated with those traditional investments, any intended diversification effect of including such alternative or non-traditional Underlying Fund as part of an asset allocation strategy may not be achieved, thereby resulting in increased volatility of an asset allocation strategy that includes the Underlying Fund. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Non-Diversification Risk: An Underlying Fund that is classified as non-diversified may invest a greater percentage of its assets in a single issuer or a fewer number of issuers than a diversified fund. This increases potential price volatility and the risk that its value could go down because of the poor performance of a single investment or a small number of investments. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Regulatory Impact Risk: Certain financial instruments are subject to extensive government regulation, which may change frequently and impact a fund significantly. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Short Exposure Risk: When a fund takes a short position using derivative instruments in anticipation of a decline in the market price (i.e., spot price or spot rate) of the underlying reference asset, such as entering into a derivative contract to sell a currency at a predetermined price for future delivery (forward foreign currency contract) in anticipation of a decline in the market price of the underlying currency, it is subject to the risk that the reference asset will increase in value, resulting in a loss. Such loss is theoretically unlimited. Short positions also may expose the fund to leverage risk. </td></tr></table>PL Portfolio Optimization Moderate-Conservative Fund: Inflation-Indexed Debt Securities Risk and Short Sale Risk were deleted from the Principal risks from holdings in Underlying Funds subsection. SUPPLEMENT DATED DECEMBER 19, 2012 TO THE PROSPECTUS FOR PACIFIC LIFE FUNDS CLASS A, B, C, I, R AND ADVISOR SHARES DATED DECEMBER 19, 2012 FOR ADVISOR CLASS SHARES AND JULY 1, 2012 FOR ALL OTHER SHARE CLASSES This supplement revises the Pacific Life Funds Class A, B, C, I, R and Advisor Shares prospectus dated December 19, 2012 for Advisor Class shares and dated July 1, 2012 for all other share classes (Prospectus), and must be preceded or accompanied by the Prospectus. The changes within this supplement were effective as of December 7, 2012. Remember to review the Prospectus for other important information. Disclosure Changes to the Fund Summaries section PL Portfolio Optimization Conservative Fund, PL Portfolio Optimization Moderate-Conservative Fund, PL Portfolio Optimization Moderate Fund, PL Portfolio Optimization Moderate-Aggressive Fund and PL Portfolio Optimization Aggressive Fund (the PL Portfolio Optimization Funds): For each PL Portfolio Optimization Fund, the Class A, B, C and R shares columns in the Annual fund operating expenses table and expense Examples (Fee Tables) were replaced with the information below. In addition, a footnote reference was included after Annual fund operating expenses in the table heading and the following related footnote was added to each Annual fund operating expenses table: The expense information has been restated to reflect current fees. No other information in the Fee Tables changed, including related footnotes.  <div> PL Portfolio Optimization Moderate Fund Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment)   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="45%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="1%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Management Fee</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Distribution (12b-1) and/or Service Fees</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.25%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.50%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Other Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Acquired Funds Fees and Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.80%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.80%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.80%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.80%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.52%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.77%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses after Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.40%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.15%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.15%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.65%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">Your expenses (in dollars) if you SELL your shares at the end of each period.</td> <td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">   </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">685</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">718</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">318</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">168</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">981</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,086</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">686</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">533</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,311</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,393</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,193</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">936</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,243</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,397</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,586</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,063</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">Your expenses (in dollars) if you DONT SELL your shares at the end of each period.</td> <td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">   </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">685</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">218</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">218</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">168</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">981</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">686</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">686</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">533</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,311</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,193</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,193</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">936</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,243</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,397</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,586</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,063</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table></div> The second sentence of the second paragraph of each PL Portfolio Optimization Funds Principal investment strategies subsection was replaced with the following: Within the broad asset classes of debt and equity, the fund diversifies its holdings by investing in Underlying Funds that represent a variety of investment styles and security types, including alternative or non-traditional investment strategies. Alternative or non-traditional investment strategies generally are expected to have low to moderate correlation to traditional equity and fixed income investments and, as a result, may offer diversification benefits. In the same subsection, the following was added as the fourth paragraph: The portion of the fund invested in alternative or non-traditional investment strategies may be allocated to Underlying Funds that, in turn, invest in equity or debt securities or other instruments, which may include, among others:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Forward foreign currency contracts; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Foreign currency options; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">High yield debt securities; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top"> Swaps (such as interest rate, cross-currency, total return and credit default swaps); </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Futures on securities, indexes, currencies and other investments; and </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Precious metals-related equity securities. </td></tr></table> In the same subsection, the first sentence of the current fourth paragraph was replaced with the following: The fund may also, at any time invest in Underlying Funds that hold other debt or equity securities or other instruments. The following was added to each PL Portfolio Optimization Funds Principal risks from holdings in Underlying Funds subsection:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Correlation Risk: While the performance of an Underlying Fund that represents an alternative or non-traditional investment strategy is generally expected to have low to moderate correlation with the performance of traditional equity and fixed income investments over long-term periods, the actual performance of such Underlying Fund may be correlated with those traditional investments over short- or long-term periods. Should there be periods when such Underlying Funds performance is correlated with those traditional investments, any intended diversification effect of including such alternative or non-traditional Underlying Fund as part of an asset allocation strategy may not be achieved, thereby resulting in increased volatility of an asset allocation strategy that includes the Underlying Fund. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Non-Diversification Risk: An Underlying Fund that is classified as non-diversified may invest a greater percentage of its assets in a single issuer or a fewer number of issuers than a diversified fund. This increases potential price volatility and the risk that its value could go down because of the poor performance of a single investment or a small number of investments. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Regulatory Impact Risk: Certain financial instruments are subject to extensive government regulation, which may change frequently and impact a fund significantly. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Short Exposure Risk: When a fund takes a short position using derivative instruments in anticipation of a decline in the market price (i.e., spot price or spot rate) of the underlying reference asset, such as entering into a derivative contract to sell a currency at a predetermined price for future delivery (forward foreign currency contract) in anticipation of a decline in the market price of the underlying currency, it is subject to the risk that the reference asset will increase in value, resulting in a loss. Such loss is theoretically unlimited. Short positions also may expose the fund to leverage risk. </td></tr></table> PL Portfolio Optimization Moderate Fund: Short Sale Risk was deleted from the Principal risks from holdings in Underlying Funds subsection and the following was added:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">High-Yield or Junk Securities Risk: High yield securities are typically issued by companies that are highly leveraged, less creditworthy or financially distressed and are considered to be mostly speculative in nature (high risk), potentially less liquid, and subject to a greater risk of loss, that is they are more likely to default than higher rated securities. </td></tr></table> SUPPLEMENT DATED DECEMBER 19, 2012 TO THE PROSPECTUS FOR PACIFIC LIFE FUNDS CLASS A, B, C, I, R AND ADVISOR SHARES DATED DECEMBER 19, 2012 FOR ADVISOR CLASS SHARES AND JULY 1, 2012 FOR ALL OTHER SHARE CLASSES This supplement revises the Pacific Life Funds Class A, B, C, I, R and Advisor Shares prospectus dated December 19, 2012 for Advisor Class shares and dated July 1, 2012 for all other share classes (Prospectus), and must be preceded or accompanied by the Prospectus. The changes within this supplement were effective as of December 7, 2012. Remember to review the Prospectus for other important information. Disclosure Changes to the Fund Summaries section PL Portfolio Optimization Conservative Fund, PL Portfolio Optimization Moderate-Conservative Fund, PL Portfolio Optimization Moderate Fund, PL Portfolio Optimization Moderate-Aggressive Fund and PL Portfolio Optimization Aggressive Fund (the PL Portfolio Optimization Funds): For each PL Portfolio Optimization Fund, the Class A, B, C and R shares columns in the Annual fund operating expenses table and expense Examples (Fee Tables) were replaced with the information below. In addition, a footnote reference was included after Annual fund operating expenses in the table heading and the following related footnote was added to each Annual fund operating expenses table: The expense information has been restated to reflect current fees. No other information in the Fee Tables changed, including related footnotes.  PL Portfolio Optimization Moderate-Aggressive Fund Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment)   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="45%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="1%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Management Fee</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Distribution (12b-1) and/or Service Fees</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.25%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.50%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Other Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Acquired Funds Fees and Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.84%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.84%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.84%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.84%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.56%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.31%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.31%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.81%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses after Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.44%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.19%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.19%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.69%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">Your expenses (in dollars) if you SELL your shares at the end of each period.</td> <td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">   </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">689</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">722</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">322</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">172</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">993</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,098</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">698</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">546</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,331</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,413</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,213</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">957</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,285</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,439</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,627</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,106</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table> The second sentence of the second paragraph of each PL Portfolio Optimization Funds Principal investment strategies subsection was replaced with the following: Within the broad asset classes of debt and equity, the fund diversifies its holdings by investing in Underlying Funds that represent a variety of investment styles and security types, including alternative or non-traditional investment strategies. Alternative or non-traditional investment strategies generally are expected to have low to moderate correlation to traditional equity and fixed income investments and, as a result, may offer diversification benefits. In the same subsection, the following was added as the fourth paragraph: The portion of the fund invested in alternative or non-traditional investment strategies may be allocated to Underlying Funds that, in turn, invest in equity or debt securities or other instruments, which may include, among others:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Forward foreign currency contracts; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Foreign currency options; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">High yield debt securities; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top"> Swaps (such as interest rate, cross-currency, total return and credit default swaps); </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Futures on securities, indexes, currencies and other investments; and </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Precious metals-related equity securities. </td></tr></table> In the same subsection, the first sentence of the current fourth paragraph was replaced with the following: The fund may also, at any time invest in Underlying Funds that hold other debt or equity securities or other instruments. The following was added to each PL Portfolio Optimization Funds Principal risks from holdings in Underlying Funds subsection:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Correlation Risk: While the performance of an Underlying Fund that represents an alternative or non-traditional investment strategy is generally expected to have low to moderate correlation with the performance of traditional equity and fixed income investments over long-term periods, the actual performance of such Underlying Fund may be correlated with those traditional investments over short- or long-term periods. Should there be periods when such Underlying Funds performance is correlated with those traditional investments, any intended diversification effect of including such alternative or non-traditional Underlying Fund as part of an asset allocation strategy may not be achieved, thereby resulting in increased volatility of an asset allocation strategy that includes the Underlying Fund. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Non-Diversification Risk: An Underlying Fund that is classified as non-diversified may invest a greater percentage of its assets in a single issuer or a fewer number of issuers than a diversified fund. This increases potential price volatility and the risk that its value could go down because of the poor performance of a single investment or a small number of investments. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Regulatory Impact Risk: Certain financial instruments are subject to extensive government regulation, which may change frequently and impact a fund significantly. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Short Exposure Risk: When a fund takes a short position using derivative instruments in anticipation of a decline in the market price (i.e., spot price or spot rate) of the underlying reference asset, such as entering into a derivative contract to sell a currency at a predetermined price for future delivery (forward foreign currency contract) in anticipation of a decline in the market price of the underlying currency, it is subject to the risk that the reference asset will increase in value, resulting in a loss. Such loss is theoretically unlimited. Short positions also may expose the fund to leverage risk. </td></tr></table> PL Portfolio Optimization Aggressive Fund: The following was added to the Principal risks from holdings in Underlying Funds subsection:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">U.S. Government Securities Risk: Not all U.S. government securities are backed or guaranteed by the U.S. government and different U.S. government securities are subject to varying degrees of credit risk. There is risk that the U.S. government will not provide financial support to U.S. government agencies, instrumentalities or sponsored enterprises if it is not obligated to do so by law. </td></tr></table> SUPPLEMENT DATED DECEMBER 19, 2012 TO THE PROSPECTUS FOR PACIFIC LIFE FUNDS CLASS A, B, C, I, R AND ADVISOR SHARES DATED DECEMBER 19, 2012 FOR ADVISOR CLASS SHARES AND JULY 1, 2012 FOR ALL OTHER SHARE CLASSES This supplement revises the Pacific Life Funds Class A, B, C, I, R and Advisor Shares prospectus dated December 19, 2012 for Advisor Class shares and dated July 1, 2012 for all other share classes (Prospectus), and must be preceded or accompanied by the Prospectus. The changes within this supplement were effective as of December 7, 2012. Remember to review the Prospectus for other important information. Disclosure Changes to the Fund Summaries section PL Portfolio Optimization Conservative Fund, PL Portfolio Optimization Moderate-Conservative Fund, PL Portfolio Optimization Moderate Fund, PL Portfolio Optimization Moderate-Aggressive Fund and PL Portfolio Optimization Aggressive Fund (the PL Portfolio Optimization Funds): For each PL Portfolio Optimization Fund, the Class A, B, C and R shares columns in the Annual fund operating expenses table and expense Examples (Fee Tables) were replaced with the information below. In addition, a footnote reference was included after Annual fund operating expenses in the table heading and the following related footnote was added to each Annual fund operating expenses table: The expense information has been restated to reflect current fees. No other information in the Fee Tables changed, including related footnotes.  PL Portfolio Optimization Moderate-Aggressive Fund Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment)   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="45%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="1%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td> <td valign="bottom" width="1%"></td> <td></td> <td></td> <td valign="bottom" width="2%"></td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Management Fee</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.20%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Distribution (12b-1) and/or Service Fees</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.25%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.00%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.50%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Other Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.27%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Acquired Funds Fees and Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.84%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.84%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.84%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">0.84%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.56%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.31%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.31%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.81%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">(0.12%)</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border-left:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">Total Annual Fund Operating Expenses after Expense Reimbursement</div></td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.44%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.19%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">2.19%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-bottom:1px solid #000000" align="right">1.69%</td> <td nowrap="nowrap" valign="bottom" style="border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table>   <table cellspacing="0" cellpadding="0" width="100%" border="0" style="border-collapse:collapse" align="center"> <tr> <td width="53%"></td> <td valign="bottom" width="2%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td> <td valign="bottom" width="3%"></td> <td></td> <td></td> <td valign="bottom" width="3%"></td></tr> <tr> <td valign="top" colspan="16" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">Your expenses (in dollars) if you SELL your shares at the end of each period.</td> <td valign="top" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">   </td></tr> <tr> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="14" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">Share Class</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="bottom" style="border:1px solid #000000; padding-left:8px">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">A</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">B</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">C</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" colspan="2" align="center" style="border-top:1px solid #000000; border-bottom:1px solid #000000">R</td> <td valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px"> </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">1 year</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">689</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">722</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">322</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">172</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">3 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">993</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,098</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">698</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">546</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">5 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,331</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,413</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">1,213</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">957</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> <tr> <td valign="top" style="border:1px solid #000000; padding-left:8px"> <div style="margin-left:1.00em; text-indent:-1.00em">10 years</div></td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,285</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,439</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,627</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000">  </td> <td valign="bottom" style="border-left:1px solid #000000; border-top:1px solid #000000; border-bottom:1px solid #000000"> </td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000">$</td> <td valign="bottom" style="border-top:1px solid #000000; border-bottom:1px solid #000000" align="right">2,106</td> <td nowrap="nowrap" valign="bottom" style="border-top:1px solid #000000; border-right:1px solid #000000; border-bottom:1px solid #000000; padding-right:8px">  </td></tr> </table> The second sentence of the second paragraph of each PL Portfolio Optimization Funds Principal investment strategies subsection was replaced with the following: Within the broad asset classes of debt and equity, the fund diversifies its holdings by investing in Underlying Funds that represent a variety of investment styles and security types, including alternative or non-traditional investment strategies. Alternative or non-traditional investment strategies generally are expected to have low to moderate correlation to traditional equity and fixed income investments and, as a result, may offer diversification benefits. In the same subsection, the following was added as the fourth paragraph: The portion of the fund invested in alternative or non-traditional investment strategies may be allocated to Underlying Funds that, in turn, invest in equity or debt securities or other instruments, which may include, among others:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Forward foreign currency contracts; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Foreign currency options; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">High yield debt securities; </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top"> Swaps (such as interest rate, cross-currency, total return and credit default swaps); </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Futures on securities, indexes, currencies and other investments; and </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Precious metals-related equity securities. </td></tr></table> In the same subsection, the first sentence of the current fourth paragraph was replaced with the following: The fund may also, at any time invest in Underlying Funds that hold other debt or equity securities or other instruments. The following was added to each PL Portfolio Optimization Funds Principal risks from holdings in Underlying Funds subsection:   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Correlation Risk: While the performance of an Underlying Fund that represents an alternative or non-traditional investment strategy is generally expected to have low to moderate correlation with the performance of traditional equity and fixed income investments over long-term periods, the actual performance of such Underlying Fund may be correlated with those traditional investments over short- or long-term periods. Should there be periods when such Underlying Funds performance is correlated with those traditional investments, any intended diversification effect of including such alternative or non-traditional Underlying Fund as part of an asset allocation strategy may not be achieved, thereby resulting in increased volatility of an asset allocation strategy that includes the Underlying Fund. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Non-Diversification Risk: An Underlying Fund that is classified as non-diversified may invest a greater percentage of its assets in a single issuer or a fewer number of issuers than a diversified fund. This increases potential price volatility and the risk that its value could go down because of the poor performance of a single investment or a small number of investments. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Regulatory Impact Risk: Certain financial instruments are subject to extensive government regulation, which may change frequently and impact a fund significantly. </td></tr></table>   <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Short Exposure Risk: When a fund takes a short position using derivative instruments in anticipation of a decline in the market price (i.e., spot price or spot rate) of the underlying reference asset, such as entering into a derivative contract to sell a currency at a predetermined price for future delivery (forward foreign currency contract) in anticipation of a decline in the market price of the underlying currency, it is subject to the risk that the reference asset will increase in value, resulting in a loss. Such loss is theoretically unlimited. Short positions also may expose the fund to leverage risk. </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Non-Diversification Risk: An Underlying Fund that is classified as non-diversified may invest a greater percentage of its assets in a single issuer or a fewer number of issuers than a diversified fund. This increases potential price volatility and the risk that its value could go down because of the poor performance of a single investment or a small number of investments. </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Non-Diversification Risk: An Underlying Fund that is classified as non-diversified may invest a greater percentage of its assets in a single issuer or a fewer number of issuers than a diversified fund. This increases potential price volatility and the risk that its value could go down because of the poor performance of a single investment or a small number of investments. </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Non-Diversification Risk: An Underlying Fund that is classified as non-diversified may invest a greater percentage of its assets in a single issuer or a fewer number of issuers than a diversified fund. This increases potential price volatility and the risk that its value could go down because of the poor performance of a single investment or a small number of investments. </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Non-Diversification Risk: An Underlying Fund that is classified as non-diversified may invest a greater percentage of its assets in a single issuer or a fewer number of issuers than a diversified fund. This increases potential price volatility and the risk that its value could go down because of the poor performance of a single investment or a small number of investments. </td></tr></table> <table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td width="9%"> </td> <td width="3%" valign="top" align="left"></td> <td width="1%" valign="top"> </td> <td align="left" valign="top">Non-Diversification Risk: An Underlying Fund that is classified as non-diversified may invest a greater percentage of its assets in a single issuer or a fewer number of issuers than a diversified fund. 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