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Your use of data or content provided by U.S. News or any third-party affiliate is entirely at your own risk, and it is the user's sole responsibility to evaluate the accuracy, completeness, and usefulness of all data or content displayed herein. Data, rankings, ratings and scores, or other content displayed on this site do not constitute any recommendation to buy or sell any security and should be used for informational purposes only. Under no circumstances shall U.S. News or its third-party affiliates be liable for direct, indirect, incidental, special, punitive, or consequential damages that result in any way from your use of or reliance upon data presented, including damages resulting from mistakes, omissions, interruptions, or defects in the data displayed by U.S. News or any third-party affiliates. Past performance is no guarantee of future results. It is your responsibility to understand the methodology employed by U.S. News and the underlying methodologies employed by each data provider. A high score or ranking is not indicative of a flawless fund; even the most highly ranked or scored funds may lose value in the short or long term or may not serve your individual investing needs. 

U.S. News editorial staff may hold positions in individual securities and mutual funds. In cases where there is an individual author of an article and he or she has actual knowledge that he or she holds a position in a security of the subject of the article at the time of publication, appropriate disclosure will be made. 

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THE USE OF DATA PROVIDED BY THIRD PARTIES IS SUBJECT TO THE ADDITIONAL TERMS AND CONDITIONS STATED BELOW: 

Morningstar: 

© 2010 Morningstar Inc. All rights reserved. The information contained herein (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete, or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. 

For Open-End Funds: 

For each fund with at least a three-year history, Morningstar calculates a Morningstar Rating™ based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a fund's monthly performance (including the effects of sales charges, loads, and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. The top 10 percent of funds in each category receive 5 stars, the next 22.5 percent receive 4 stars, the next 35 percent receive 3 stars, the next 22.5 percent receive 2 stars, and the bottom 10 percent receive 1 star. (Each share class is counted as a fraction of one fund within this scale and rated separately, which may cause slight variations in the distribution percentages.) The overall Morningstar Rating for a fund is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics. Past performance is no guarantee of future results. 

Morningstar Rating Based on Extended Performance 

Please note, some of the Morningstar proprietary calculations, including the Morningstar Rating™, are not customarily calculated based on adjusted historical returns. The evaluation of this investment does not affect the retail mutual fund data published by Morningstar. For each retail mutual fund with at least a three-year history, Morningstar calculates a Morningstar Rating™ based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a fund's monthly performance (including the effects of sales charges, loads, and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. The top 10 percent of funds in each category receive 5 stars, the next 22.5 percent receive 4 stars, the next 35 percent receive 3 stars, the next 22.5 percent receive 2 stars, and the bottom 10 percent receive 1 star. (Each share class is counted as a fraction of one fund within this scale and rated separately, which may cause slight variations in the distribution percentages.) The Overall Morningstar Rating for a retail mutual fund is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics. This investment's independent Morningstar Rating metric is then compared against the retail mutual fund universe breakpoints to determine its hypothetical ranking. Past performance is no guarantee of future results. 

Morningstar Rating for Load-Waived A Shares 

For each fund with at least a three-year history, Morningstar calculates a Morningstar Rating™ based on how a fund ranks on a Morningstar Risk-Adjusted Return measure against other funds in the same category. This measure takes into account variations in a fund's monthly performance after adjusting for sales loads (except for load-waived A shares), redemption fees, and the risk-free rate, placing more emphasis on downward variations and rewarding consistent performance. The top 10 percent of funds in each category receive 5 stars, the next 22.5 percent receive 4 stars, the next 35 percent receive 3 stars, the next 22.5 percent receive 2 stars, and the bottom 10 percent receive 1 star. The Overall Morningstar Rating for a fund is derived from a weighted average of the ratings for the three-, five-, and 10-year (if applicable) time periods. Load-waived A share star ratings do not include any front-end sales load and are intended for those investors who have access to such purchase terms (e.g., plan participants of a defined contribution plan). Not all A share mutual funds for which Morningstar calculates a load-waived A share star rating may actually waive their front-end sales load. Therefore, Morningstar strongly encourages investors to contact their investment professional to determine whether they are eligible to purchase the A share without paying the front load. 

Index Disclaimers: 

Dow Jones Inc.: © 2002 Dow Jones & Company Inc. 

MSCI: Copyright Morgan Stanley Capital International Inc. 2010. All rights reserved unpublished. PROPRIETARY TO MORGAN STANLEY CAPITAL INTERNATIONAL INC. 

Standard & Poor's 

Neither U.S. News & World Report LP, S&P, their affiliates, nor any third-party licensor shall have any liability for the accuracy or completeness of the information or software furnished through the Licensee Service or for delays, interruptions, or omissions therein nor for any lost profits or indirect, special, or consequential damages. 

Either U.S. News & World Report LP, S&P, their affiliates, or third-party licensors have exclusive proprietary rights in any information and software received though this site. 

You shall not use or permit anyone to use the information or software provided through this site for any unlawful or unauthorized purpose. 

You are not authorized or permitted to furnish such information or software to any person or firm for reuse or retransmission without prior written approval of the source of such information or software.

Access to the S&P Services is subject to termination in the event that any agreement between U.S. News & World Report LP and a provider of information or software distributed through U.S. News is terminated in accordance with its terms. 

Copyright © 2010, Standard & Poor's Financial Services LLC. All rights reserved. 

Copyright © 2010, Standard & Poor's Financial Services LLC ("S&P"). Reproduction of S&P Mutual Fund Rankings in any form is prohibited except with the prior written permission of S&P. Because of the possibility of human or mechanical error by S&P's sources, S&P, or others, S&P does not guarantee the accuracy, adequacy, completeness, timeliness, or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. S&P GIVES NO EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. In no event shall S&P or its affiliates be liable for any indirect, special, or consequential damages in connection with subscribers' or others' use of S&P Mutual Fund Rankings. 

Zacks 

Zacks general disclaimer : http://www.zacks.com/disclaimer/ 

TheStreet.com 

TheStreet.com terms of use: http://www.thestreet.com/static/about/terms-of-use.html 

Lipper 

FUND PERFORMANCE — Performance data are total return and are preliminary and subject to revision. 

RANKINGS — Rankings are based only on the universe shown. This listing might not represent the complete universe of funds tracked by Lipper Inc. Therefore, these rankings are incomplete and should not be used by investment companies for advertising. Investment companies interested in advertising should call Lipper's client services group at (303) 534-3472. 

ALL INFORMATION — The data contained herein have been obtained from company reports, financial reporting services, periodicals, and other resources believed to be reliable. Although carefully verified, data on compilations are not guaranteed by Lipper Inc. — A Thomson Reuters Company and may be incomplete. No offer or solicitation to buy or sell any of the securities herein is being made by Lipper.

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