Subject: File No. 265-28
From: Loretta Coleman

May 5, 2016

I would like that their be a breakdown of all expenses that are involved in my investing in mutual funds or any other type of investment product, which would be shown at the time of initial investment and on a regular basis on any statements that I receive from the company which has my investment holdings in account.
I am replying on this subject as per an article that I read on the Morningstar website: Can't We All Just Find Out What We're Paying by Christine Benz
Thank you.