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When you purchase A shares, you are most likely to incur a front-end sales charge but no sales charge when you sell.  The maintenance fees for A shares tend to be lower than the maintenance fees of B or C shares.

When you purchase B shares, you are most likely not to incur a front-end sales charge but you may pay a sales charge when selling.  Most B shares have a CDSC's (Contingent Deferred Sales Charge).  Contingent to when you sell.  The longer you hold the fund the lower your sales charge will be and if you hold the shares long enough, depending on the fund, there may be no sales charge at all.  The maintenance fee on B shares are usually higher than the maintenance fee of A shares.  B shares, after a specified period of time, will usually change to A shares with a lower maintenance fee. 

When you purchase C shares, you are most likely not to incur a front-end sales charge but you may pay a sales charge when you sell.  The sales charge on C shares is usually 1% within the first 12-month period with no sales charge for selling after the 12-month period.  C shares have a higher maintenance fee than A shares and unlike the B shares will never change to A shares. 

Always read the prospectus carefully before you purchase any mutual fund.   The prospectus will contain all the information regarding costs and fees as well as other vital information.  Some institution may charge a ticket charge for selling your shares in addition to the fees charged by the mutual fund.  You can obtain a mutual fund prospectus by contacting the mutual fund or ProActive Financial Planning @ 1-877-673-6472 (toll free).

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