About Morningstar

Mutual funds information in this section and the tables on S11--14 are based on information from fund tracker Morningstar Inc.

Morningstar is a privately owned company founded in 1984 to provide investors with information from an independent source for use in making investment decisions. Its “star” rating system is used by financial planners, cited in advertisements and used as a guide by investors and the media.

As the Chicago--based company has grown, its staff of analysts, writers and programmers has introduced print and software products for individual and professional investors.

These include the investor guides: “Morningstar Mutual Funds”; “Morningstar Fund Investor”; “Morningstar Stock Investor”; CD-ROM “Morningstar Principia Pro Plus for Mutual Funds, Closed-End Funds, Stocks, and Variable Annuities/Life”; and Morningstar’s Web site at https://www.morningstar.net

To learn more about Morningstar and its products, call (800) 735-0700