The performance data quoted here represents past performance. Current performance may be lower or higher than the performance data quoted above. Past performance is no guarantee of future results. The investment return and principal value of an investment will fluctuate so that investor’s shares, when redeemed, may be worth more or less than their original cost. The Fund’s investment adviser has contractually agreed to reduce its fees and/or absorb expenses of the Fund, at least until January 31st, 2010, to ensure that the net annual fund operating expenses will not exceed 1.75% for Class A and Class I shares and 1.50% for Class R shares, subject to possible recoupment from the Fund in future years. For performance information current to the most recent month-end, please call toll-free 1-866-738-4363 (1-866-RETI-FND).

0240-AFD-03/06/2008