An investor could lose money by investing in the Fund. There can be no assurance that the Fund will achieve its investment objective. An investment in the Fund is not a
deposit of a bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency.
Credit Risk. Credit risk is the risk that an issuer of a security will be unable or unwilling to make dividend, interest and/or principal payments when due and
the related risk that the value of a security may decline because of concerns about the issuer's ability to make such payments.
Dividend Risk. There is no guarantee that the issuers of the Fund's equity securities will declare dividends in the future or that, if declared, they will remain
at current levels or increase over time.
Equity Securities Risk. The Fund invests in equity securities. The value of the shares will fluctuate with changes in the value of these equity securities. Equity
securities prices fluctuate for several reasons, including changes in investors' perceptions of the financial condition of an issuer or the general condition of the
relevant stock market, such as any market volatility, or when political or economic events affecting the issuers occur. In addition, common stock prices may be particularly
sensitive to rising interest rates, as the cost of the capital rises and borrowing costs increase.
ETF Risk. An ETF trades like common stock and represents a portfolio of securities. The risks of owning an ETF generally reflect the risks of owning the underlying
securities, although lack of liquidity in an ETF could result in it being more volatile. ETFs have management fees and other operating expenses that increase their costs.
Financial Companies Risk. The Fund invests in financial companies, including banks, thrifts and their holding companies. Financial companies are especially subject
to the adverse effects of economic recession, currency exchange rates, government regulation, decreases in the availability of capital, volatile interest rates, portfolio
concentrations in geographic markets and in commercial and residential real estate loans, and competition from new entrants in their fields of business.
Income Risk. Income from the Fund's fixed-income investments could decline during periods of falling interest rates.
Interest Rate Risk. Interest rate risk is the risk that the value of the fixed-income securities in the Fund will decline because of rising market interest rates.
Interest rate risk is generally lower for shorter-term investments and higher for longer-term investments.
Market Risk. Market risk is the risk that a particular security owned by the Fund or shares of the Fund in general may fall in value. Shares are subject to market
fluctuations caused by such factors as economic, political, regulatory or market developments, changes in interest rates and perceived trends in securities prices. Overall
Fund share values could decline generally or could underperform other investments.
Mortgage-Backed Securities Risk. The Fund may invest in mortgage-related securities, including mortgage-backed securities, which may make the Fund more susceptible to
adverse economic, political or regulatory events that affect the value of real estate. Changes in local, state and federal policies could negatively impact the mortgage-related
securities market, which include various government initiated and sponsored homeowner assistance programs and eminent domain issues. Mortgage-related securities may also face
liquidity issues when the Fund seeks to sell such securities, but is unable to find buyers at a bid-ask spread to make the transaction feasible. These securities are also subject
to the risk that the underlying borrowers may default on their mortgages, resulting in a non-payment of principal and interest. Finally, the mortgage-related securities market may
be negatively impacted by regulatory changes including those that are related to the mandate or existence of the government-sponsored enterprises, Fannie Mae, Freddie Mac and Ginnie Mae.
Mortgage-related securities are subject to prepayment risk. The degree to which borrowers prepay loans, whether as a contractual requirement or at their election, may be affected by
general business conditions, the financial condition of the borrower and competitive conditions among loan investors, among others. As such, prepayments cannot be predicted with
accuracy. Upon a prepayment, either in part or in full, the actual outstanding debt on which the Fund derives interest income will be reduced. In declining interest rate environments,
the extent to which borrowers prepay a mortgage generally increases, which increase reinvestment risk, or the risk that the proceeds received are not reinvested on terms as favorable
as the prepaid loan. Conversely, mortgage-related securities are subject to the risk that the rate of mortgage prepayments decreases, which extends the average life of a security and
increases the interest rate risk exposure.
Smaller Company Risk. The Fund invests in small- and/or mid-capitalization companies. Such companies may be more vulnerable to adverse general market or economic developments,
and their securities may be less liquid and may experience greater price volatility than larger, more established companies as a result of several factors, including limited trading
volumes, products or financial resources, management inexperience and less publicly available information. Accordingly, such companies are generally subject to greater market risk
than larger, more established companies.