The Category Average OERs, as categorized by Morningstar, obtained from SIMfund as reflected on 7/31/2019. Includes OERs from all funds sold in the U.S. in their respective categories, excluding money market funds and fund of funds. OERs are net expense ratios, and may not take into account the impact of fee waivers, fee cuts, or fee increases that occurred since the prospectus was last filed.