Fees are charged by the mutual fund company based on the amount of your
investment. An explanation of each type of fee will be provided as you
continue through the program.
This program does not include all fees that you may be charged (for example,
exchange fees, or account maintenance fees). These fees, however, are
relatively small. In addition, deferred sales charges (discussed later in
the Cost Calculator) are based on the lesser of the initial investment or
the values of the investment at redemption, but some funds may base
the charge solely on the initial investment.