The following tables show how sales charges of class A shares vary across funds based on investment levels. Fidelity and its representatives may have a conflict of interest in the products or services mentioned in these materials because they have a financial interest in them, and receive compensation, directly or indirectly, in connection with the management, distribution, and /or servicing of these products or services, including Fidelity funds, certain third-party funds and products, and certain investment services. You can reduce the sales charge you pay on Class A, 529-A and ABLE-A share purchases by establishing a statement of intention. * Effective January 16, 2018, BlackRock Total Return (Investor A) shares sold in amounts of $250,000 or more will be sold at net asset value, subject to a 0.75% CDSC if those shares are redeemed within 18 months of purchase. All rights reserved. The Task Force was convened in Jan. 2003, at the request of the SEC, followed NASD's examination findings and issuance of Special Notice to Members 02-85, dated Dec. 23, 2002, which reminded broker/dealers of their obligation to apply correctly breakpoint discounts to front-end sales load mutual fund transactions. Reducing Your Sales Charge. Information for these funds is included in the table showing funds that have a 3.75% maximum sales charge with a different sales charge schedule. Growth, value, blend, global sector, asset allocation funds, and 529 options - class A. Endowments or foundations established and controlled by the investor or immediate family member, CollegeAmerica accounts, which will be aggregated at the account owner level (except Class 529-E accounts, which may only be aggregated with an eligible employer plan). What is a Right of Accumulation (ROA)? Excludes American Funds College Enrollment Fund. The fund's prospectus or summary prospectus, which can be obtained by calling 1.800.345.2021, contains this and other information about the fund, and should be read carefully before investing. A 0.75% contingent deferred sales charge (CDSC) may be assessed if a redemption occurs within 18 months of purchase. When a plan sponsor signs an American Funds prototype agreement, all plan contributions are required to come to American Funds. Sales charge/dealer concession schedule: C shares U.S.Equity Funds Equity Focus Fund (JPFCX) Equity Income Fund (OINCX)** Equity Index Fund (OEICX)Growth Advantage Fund (JGACX) Large Cap Growth Fund (OLGCX)Large Cap Value Fund (OLVCX)Mid Cap Equity Fund (JMCCX)Mid Cap Growth Fund (OMGCX) Mid Cap Value Fund (JCMVX) U.S.Equity Funds (continued) 2 Listed are the front-end sales loads reallowed to dealers as a percentage of the offering price of certain of the funds Non Money Market Investor A Shares. The Investor A front-end sales charges can be reduced or eliminated through one or a combination of the following: the Right of Accumulation, a Letter of Intent, the Reinstatement Privilege, quantity discounts or an applicable waiver of the sales charge. 2. However, if the investor does not actually make the required purchases at the end of the specified period, he or she will be required to forfeit the discounts received pursuant to the letter of intent. You could lose money by investing in Summit. Before investing in any state's 529 plan, investors should consult a tax advisor. Invesco SteelPath MLP Alpha Plus Fund Class C. 12.32. 5 The Distributor may pay a dealer reallowance or placement fee to the dealer as shown on NAV purchases of Investor A shares. For retail accounts established directly at the fund company, the initial and subsequent minimums are different. Does not include Nationwide Loomis Core Bond Fund and Nationwide Loomis Short Term Bond Fund. These risks may be heightened for investments in emerging markets. Investors should carefully consider investment objectives, risks, charges and expenses. 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Please see the funds prospectuses for more information. A statement of intention allows you to combine non-money market fund purchases of all share classes that you intend to make over a 13-month period in order to determine your applicable sales charge. Tax-exempt bond funds are not available through the CollegeAmerica 529 plan or ABLEAmerica. We do not aggregate accounts of investors who are affiliated with each other by virtue of being in an association. If your account has been closed, the money can be reinvested into another fund provided: See your financial professional or the funds statement of additional information for details. Investment advisory services focused on the unique needs of individual retirees, retirement plans, and their participants offered by Transamerica Retirement Advisors, LLC, a . Remove the guesswork from choosing investments. Class B shares for equity funds, alternative funds including Unconstrained Bond Fund, asset allocation/multi-asset funds and Exchange Reserves convert to Class A shares after eight years. Youll need to send a letter of instruction along with a new account application, if needed. A 1% contingent deferred sales charge (CDSC) may be assessed if a redemption occurs within18 months of purchase. May be lower on funds that have set a lower breakpoint for purchasing Investor A shares without a front-end sales charge. The dealer reallowance indicated will apply up to the indicated breakpoint (so that, for example, a sale of $4 million worth of Investor A Shares in an equity fund will result in a placement fee of 1.00% on the first $3 million and 0.50% on the final $1 million). Investors also may be able to aggregate holdings they have in different accounts at the same broker-dealer, at different broker-dealers, or in different types of accounts, such as 401(k)s and 529 plans, as well as the holdings in the accounts of related parties toward achieving an investment threshold at which a breakpoint discount is available. Understand the terms upon which the mutual funds you sell offer breakpoint discounts. 1The Distributor may pay a dealer reallowance or placement fee to the dealer as shown on NAV purchases of Investor A Shares of $1 million or more. At the request of the Securities and Exchange Commission ("SEC"), NASD convened and led a Joint NASD/Industry Breakpoint Task Force, with representatives from, among others, Investment Company Institute ("ICI"), Securities Industry Association ("SIA"), National Security Clearing Corporation ("NSCC"), broker/dealers, mutual funds, and transfer agents, to examine the difficulties that the financial industry experienced delivering breakpoint discounts on Class A mutual fund share sales and to develop recommendations to facilitate the complete and accurate delivery of breakpoint discounts in the future. FINRA also has developed the Breakpoint Checklist and Breakpoint Worksheet to help firms and associated persons gather the information necessary to deliver available discounts on the sales of Class A shares. Firms may wish to tailor the statement to reflect the rules of the mutual funds they sell. These are located in a fund's prospectus and/or statement of additional information. File a complaint about fraud or unfair practices. Capital Com SV Investments Limited is regulated by Cyprus Securities and Exchange Commission (CySEC) under license number 319/17. What is a Letter of Intent (LOI) and how can it help my clients qualify for breakpoint discounts? International investing involves risks, including risks related to foreign currency, limited liquidity, less government regulation and the possibility of substantial volatility due to adverse political, economical or other developments. The information provided does not constitute a solicitation of an offer to buy, or an offer to sell securities in any jurisdiction to any person to whom it is not lawful to make such an offer. BlackRock Managed Income will be subject to a 0.50% charge if liquidated within 18 months of purchase. When considering their obligations to provide all available breakpoint discounts on sales of Class A shares of front-end load mutual funds, member firms may review the following Breakpoint Checklist and Breakpoint Worksheet, which may help member firms evaluate their breakpoint compliance programs and confirm whether they are capturing all relevant categories of information to provide customers all available breakpoint discounts. Fixed income risks include interest-rate and credit risk. In addition to the underwriter concession retained by the Distributor, the Distributor retains the entire initial sales charge on accounts with no authorized dealer of record. American Funds Fundamental Investors (ANCFX): Launched in August 1978, this fund has $127.9 million in assets under management. Investors should discuss their specific situation with their financial professional. You may also have heard of it if you're investing in stocks, bonds or life insurance products, for example. 2Listed are the front-end sales loads reallowed to dealers as a percentage of the offering price of certain of the funds Non Money Market Investor A Shares. This publication is authorized for distribution only when preceded or accompanied by a prospectus, or summary prospectus, for the portfolio being offered. document.write(new Date().getFullYear()) Nationwide Mutual Insurance Company and affiliated companies, Privacy The minimum investment requirement may be waived if the investor has an aggregate investment in the American Century family of funds of $10 million or more ($5 million for endowments and foundations). The dealer reallowance indicated will apply up to the indicated breakpoint (so that, for example, a sale of $4 million worth of Investor A shares in a fixed income fund will result in a dealer reallowance of 0.50% on the first $3 million and 0.25% on the final $1 million). The fund may use derivatives to hedge its investments or to seek to enhance returns. Life and annuity products are issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. Breakpoints/Volume Discounts and Sales Charge Waivers . We have issued two Investor Alerts that discuss mutual fund breakpoints. They can offer built-in diversification and professional management but, like investing in any security, investing in a mutual fund involves certain risks. Returns without sales charges would be lower if the sales charges were included. Investments made for participant accounts of a 403(b) plan that is treated like an employer-sponsored plan, or multiple 403(b) plans of a single employer or affiliated employers, can be aggregated. The Advisor's affiliated broker-dealer, D.A. Sales charge information for these funds is included in the table showing funds that have a 2.50% maximum sales charge. Class C Shares Purchases and maximum account value up to $249,999 for Target Risk, Tax-Advantaged Fixed Income Funds, MFS Global Total Return Fund and MFS Total Return Fund; $499,999 for Fixed Income, MFS Lifetime Income and Limited Maturity Fund; and $999,999 for Equity, Target Date and Multi-Asset Funds. Contingent deferred sales charge Find company research, competitor information, contact details & financial data for ALEF TRADE SP Z O O of Gdask, pomorskie. for more details as well as more information about dealer payments in general. This includes accounts held directly with American Century and those held through a financial intermediary. Nationwide, the Nationwide N and Eagle, Nationwide is on your side, Nationwide Funds Group and Nationwide Retirement Institute are service marks of Nationwide Mutual Insurance Company. The information on this web site is intended for U.S. residents only. As of November 23, 2020 (the "Effective Date"), certain financial intermediaries, may not have been tracking such holding periods and therefore may not be able to process such conversions. MainGate MLP Fund Class A. The extent of the discount depends on the amount invested in a particular family of funds. capitalization of less than $2 billion). The outline serves as a model of the critical breakpoint topics firms should address in training. To determine whether an LOI is appropriate for a particular client, you should discuss your client's investing plans for the coming 13-month period and examine his or her recent purchases. If you redeem Investor A or Institutional shares and within 90 days buy new Investor A Shares of the same or another fund, you will not pay a sales charge on the new purchase amount. In the process of conducting routine firm examinations in 2002, NASD identified problems in mutual fund transactions, in which eligible customers did not always receive their entitled breakpoints. A contingent deferred sales charge of 1.00% may be imposed, however, on redemptions made within 18 months of the date of purchase on shares that were purchased without an initial sales charge. 12.28. To find information regarding ROA rules for each mutual fund, you should review the fund's prospectus and statement of additional information, or consult with your firm's compliance officer.

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