* Fund companies may assess early redemption fees, please refer to the fund prospectus for details.

* Bivo may change these rates at any time in its sole discretion.

* Mutual Funds are investments that pool the funds of investors to purchase a range of securities to meet specified objectives, such as growth, income or both. Investors are reminded to consider the various objectives, fees, and other risks associated with investing in Mutual Funds. Please read the prospectus accordingly. This communication is not to be construed as a recommendation, solicitation or promotion of any specific fund, or family of funds. Bivo may receive compensation from fund companies in connection with purchases and holdings of mutual fund shares. Such compensation is paid out of the funds’ assets. However, Bivo does not solicit you to invest in specific funds and does not recommend specific funds or any other products to you.