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WARNING: Returns from investment in mutual funds achieved in the past are not a guarantee of future returns. Investments in mutual funds involve differing degrees of risk which depend on the specific investment policy and the strategy of the mutual fund. The value of the investment in the mutual fund, as well as its return, may rise or fall and the shareholder may not receive the full amount invested. The investment policy’s objective may not be achieved. The asset manager does not guarantee achievement of the investment policy’s objective in any way.