TERMS OF USE / LEGAL


Before investing, consider the funds’ investment objectives, risks, charges and expenses. Contact HiXANCE ASSET MANAGEMENT for a prospectus containing this information. Read it carefully.

TERMS OF USE
The Terms of Use were last modified in May 2008.

READ BEFORE CONTINUING -- YOUR ACCEPTANCE OF TERMS OF USE:

HiXANCE ASSET MANAGEMENT is pleased to provide you with the products, services, content, tools, and information on all HiXANCE ASSET MANANGEMENT site (the term " Sites" refers to all HiXANCE ASSET MANAGEMENT web sites as well as to the content on them). Your use of HiXANCE ASSET MANAGEMENT Site is subject to the following Terms of Use ("Terms").

These Terms are a binding contract between you and HiXANCE ASSET MANAGEMENT listed below, by using or accessing the HiXANCE ASSET MANAGEMENT Site, you accept and agree to be bound by these Terms. Your use of HiXANCE ASSET MANAGEMENT Site is governed by the version of the Terms in effect on the date each HiXANCE ASSET MANAGEMENT Site is accessed by you. HiXANCE ASSET MANAGEMENT may modify these Terms at any time and without prior notice. You should review the most current version of this document by visiting www.hixance.com and clicking on the Terms of Use hyperlink located at the bottom of the page. These Terms are in addition to any other agreements between you and HiXANCE ASSET MANAGEMENT, including any customer or account agreements, and any other agreements that govern your use of products, services, content, tools, and information available on the HiXANCE ASSET MANAGEMENT Site.

DISCLAIMER OF WARRANTIES:
• HiXANCE ASSET MANAGEMENT does not make any express or implied warranties about the www.hixance.com site, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

• The HiXANCE ASSET MANAGEMENT site is made available to you "as is" and "as available" and HiXANCE ASSET MANAGEMENT does not warrant that any defects or inaccuracies will be corrected.

• HiXANCE ASSET MANAGEMENT does not warrant that the www.hixance.com site will meet your needs, or that it will be uninterrupted, timely, secure or error-free. HiXANCE ASSET MANAGEMENT also makes no warranty that the results obtained from the use of the www.hixance.com site will be accurate or reliable, or that the quality of any products, services, information, or other material purchased or obtained by you through the www.hixance.com site will meet your expectations. This provision may not apply to participants in certain employer-sponsored workplace savings plans.