Mutual funds often offer discounts on front-end sales charges or loads for larger investments. The investment levels at which the discounts become available are called "breakpoints."

You may be entitled to a breakpoint based on a single mutual fund transaction if the dollar size of the transaction exceeds one or more breakpoints. In addition, you may become entitled to receive a breakpoint discount based on rights of accumulation or by using letters of intent.

A Letter of Intent is a statement you sign that expresses your intent to invest an amount over the breakpoint within a given period of time specified by the fund. If you are planning to make additional investments in the same fund company over the coming months, you might still be able to obtain a reduced sales charge by means of a letter of intent (LOI). Many funds will allow you to include previous purchases that were made in the last 90 days.

Rights of Accumulation permit an investor to aggregate shares owned in related accounts in some, or all funds in the fund company to reach a breakpoint discount. Mutual fund companies typically allow investors to aggregate fund shares owned by a person or a group of persons related to the investor (family member or members of certain organizations).

Other considerations for breakpoint may be: Purchases of funds from the same fund company made in different accounts, such as your IRA, 401(k), 403(b), 457 plan, educational savings accounts or accounts at other brokerage firms.

Disclosure
For more complete information concerning mutual funds including a fund's objectives and risks, and its charges and expenses, please call MEA Financial Services at (800) 292-1950 for the a specific mutual fund prospectus.

Please read the prospectus carefully and consider the investment objectives, risks and charges and expenses and other information before investing because these factors will directly affect future returns.