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Learn about the benefits of membership.

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An annual asset-based fee will apply as well as the internal expenses and fees of the underlying funds.

Foreign securities pose additional risks that are not associated with U.S. domestic issues, such as changes in currency rates, and different governmental regulations, economic conditions and accounting standards. Small and mid-cap investment may have additional risk including greater price volatility. High-yield, high-risk bonds generally involve more credit risk. These securities may also be subject to greater market price fluctuations than lower-yielding, higher-rated debt securities.