1. Class A funds do not charge investors sales service fees, Class C funds charge investors sales service fees, and Class A funds charge subscription fees.

2. There is no subscription fee for fund class C, subscription fee for fund class A, subscription fee for fund class C, and redemption fee for holding fund class A for two years.

3. There is no redemption fee for more than two years, there is redemption fee for holding Class C funds within 30 days, and there is no redemption fee for more than 30 days.