The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The sub-adviser’s investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in domestic and foreign equity securities of transformational innovation companies.

The team defines transformational innovation companies as those with divisions that primarily focus on developing or benefitting from new products, services, technologies or advancements that disrupt, or are expected to disrupt, existing markets or processes.

The types of transformational innovation companies that the team invests in are those relating to genomics (Genomic Revolution Research), autonomous technology and robotics (Autonomous Technology and Robotics Research), shared technology and the internet (Next Generation Internet Research), or financial services (FinTech Innovation Research.

Genomic Revolution Research focuses on extending and enhancing the quality of human, and other, life.

Autonomous Technology and Robotics Research focuses on technological improvements and advancements in automation and manufacturing, energy, transportation and artificial intelligence.

Next Generation Internet Research focuses on developments in the global technology infrastructure, including hardware, software and the shift to mobile devices.

FinTech Innovation Research focuses on innovations in the financial sector including payment technologies, lending methods, currencies and business analytics.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund invests in foreign equity securities that are in both developed and emerging markets.

Also, the fund invests in American Depositary Receipts and securities sold on foreign exchanges and securities denominated in foreign currencies when purchasing foreign equities.

Additionally, the fund at times may invest in shares of other investment companies, including money market funds and exchange-traded funds.

The fund may lend its securities to broker-dealers and other institutions to earn additional income.

Also, the fund is non-diversified, which means that it may invest a high percentage of its assets in a limited number of issuers.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The sub-adviser’s investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in domestic and foreign equity securities of transformational innovation companies.

The team defines transformational innovation companies as those with divisions that primarily focus on developing or benefitting from new products, services, technologies or advancements that disrupt, or are expected to disrupt, existing markets or processes.

The types of transformational innovation companies that the team invests in are those relating to genomics (Genomic Revolution Research), autonomous technology and robotics (Autonomous Technology and Robotics Research), shared technology and the internet (Next Generation Internet Research), or financial services (FinTech Innovation Research.

Genomic Revolution Research focuses on extending and enhancing the quality of human, and other, life.

Autonomous Technology and Robotics Research focuses on technological improvements and advancements in automation and manufacturing, energy, transportation and artificial intelligence.

Next Generation Internet Research focuses on developments in the global technology infrastructure, including hardware, software and the shift to mobile devices.

FinTech Innovation Research focuses on innovations in the financial sector including payment technologies, lending methods, currencies and business analytics.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund invests in foreign equity securities that are in both developed and emerging markets.

Also, the fund invests in American Depositary Receipts and securities sold on foreign exchanges and securities denominated in foreign currencies when purchasing foreign equities.

Additionally, the fund at times may invest in shares of other investment companies, including money market funds and exchange-traded funds.

The fund may lend its securities to broker-dealers and other institutions to earn additional income.

Also, the fund is non-diversified, which means that it may invest a high percentage of its assets in a limited number of issuers.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The sub-adviser’s investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in domestic and foreign equity securities of transformational innovation companies.

The team defines transformational innovation companies as those with divisions that primarily focus on developing or benefitting from new products, services, technologies or advancements that disrupt, or are expected to disrupt, existing markets or processes.

The types of transformational innovation companies that the team invests in are those relating to genomics (Genomic Revolution Research), autonomous technology and robotics (Autonomous Technology and Robotics Research), shared technology and the internet (Next Generation Internet Research), or financial services (FinTech Innovation Research.

Genomic Revolution Research focuses on extending and enhancing the quality of human, and other, life.

Autonomous Technology and Robotics Research focuses on technological improvements and advancements in automation and manufacturing, energy, transportation and artificial intelligence.

Next Generation Internet Research focuses on developments in the global technology infrastructure, including hardware, software and the shift to mobile devices.

FinTech Innovation Research focuses on innovations in the financial sector including payment technologies, lending methods, currencies and business analytics.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund invests in foreign equity securities that are in both developed and emerging markets.

Also, the fund invests in American Depositary Receipts and securities sold on foreign exchanges and securities denominated in foreign currencies when purchasing foreign equities.

Additionally, the fund at times may invest in shares of other investment companies, including money market funds and exchange-traded funds.

The fund may lend its securities to broker-dealers and other institutions to earn additional income.

Also, the fund is non-diversified, which means that it may invest a high percentage of its assets in a limited number of issuers.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities issued by U.S. and non-U.S. technology companies.

Technology companies may include software, IT consulting, IT services, interactive home entertainment, interactive media and services, networking equipment, and telecom services,.

Other examples of technology companies would be communications equipment, technology hardware, storage and peripherals, electronic equipment, instruments and components, semiconductors and semiconductor equipment, and internet and direct marketing retail.

In selecting securities for the portfolio, the research team focuses on companies that demonstrate accelerated and durable growth potential from the development, advancement and use of technology.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may invest in both developed and emerging markets.

From time to time the fund may invest in shares of companies through initial public offerings.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities issued by U.S. and non-U.S. technology companies.

Technology companies may include software, IT consulting, IT services, interactive home entertainment, interactive media and services, networking equipment, and telecom services,.

Other examples of technology companies would be communications equipment, technology hardware, storage and peripherals, electronic equipment, instruments and components, semiconductors and semiconductor equipment, and internet and direct marketing retail.

In selecting securities for the portfolio, the research team focuses on companies that demonstrate accelerated and durable growth potential from the development, advancement and use of technology.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may invest in both developed and emerging markets.

From time to time the fund may invest in shares of companies through initial public offerings.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities issued by U.S. and non-U.S. technology companies.

Technology companies may include software, IT consulting, IT services, interactive home entertainment, interactive media and services, networking equipment, and telecom services,.

Other examples of technology companies would be communications equipment, technology hardware, storage and peripherals, electronic equipment, instruments and components, semiconductors and semiconductor equipment, and internet and direct marketing retail.

In selecting securities for the portfolio, the research team focuses on companies that demonstrate accelerated and durable growth potential from the development, advancement and use of technology.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may invest in both developed and emerging markets.

From time to time the fund may invest in shares of companies through initial public offerings.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities issued by U.S. and non-U.S. technology companies.

Technology companies may include software, IT consulting, IT services, interactive home entertainment, interactive media and services, networking equipment, and telecom services,.

Other examples of technology companies would be communications equipment, technology hardware, storage and peripherals, electronic equipment, instruments and components, semiconductors and semiconductor equipment, and internet and direct marketing retail.

In selecting securities for the portfolio, the research team focuses on companies that demonstrate accelerated and durable growth potential from the development, advancement and use of technology.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may invest in both developed and emerging markets.

From time to time the fund may invest in shares of companies through initial public offerings.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities issued by U.S. and non-U.S. technology companies.

Technology companies may include software, IT consulting, IT services, interactive home entertainment, interactive media and services, networking equipment, and telecom services,.

Other examples of technology companies would be communications equipment, technology hardware, storage and peripherals, electronic equipment, instruments and components, semiconductors and semiconductor equipment, and internet and direct marketing retail.

In selecting securities for the portfolio, the research team focuses on companies that demonstrate accelerated and durable growth potential from the development, advancement and use of technology.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may invest in both developed and emerging markets.

From time to time the fund may invest in shares of companies through initial public offerings.

The fund seeks capital appreciation by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of technology companies that may benefit from technological improvements, advancements or developments.

Technology companies include companies in technology-related industries or sectors, such as the information technology, communications, healthcare, media, consumer electronics, semi-conductor, internet commerce and advertising, environmental, aerospace and defense industries and sectors.

The research team invests at least 40% of the fund’s net assets in companies that maintain their principal place of business or conduct their principal business activities outside the U.S.

This may also include companies that have their securities traded on non-U.S. exchanges, companies that have been formed under the laws of non-U.S. countries, or foreign currencies.

The team considers a company to conduct its principal business activities outside the U.S. if it derives at least 50% of its revenue or profits from business outside the U.S. or has at least 50% of its sales or assets outside the U.S.

In addition, the team prefers companies that have the potential for long-term growth.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund invests at least 25% of the value of its net assets in the securities of issuers conducting their principal business activities in the technology and related group of industries.

Additionally, the fund may invest directly in foreign securities or indirectly through depositary receipts.

The fund has the flexibility to invest across market capitalizations but may invest a significant amount of its assets in smaller companies.

The fund seeks capital appreciation by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of technology companies that may benefit from technological improvements, advancements or developments.

Technology companies include companies in technology-related industries or sectors, such as the information technology, communications, healthcare, media, consumer electronics, semi-conductor, internet commerce and advertising, environmental, aerospace and defense industries and sectors.

The research team invests at least 40% of the fund’s net assets in companies that maintain their principal place of business or conduct their principal business activities outside the U.S.

This may also include companies that have their securities traded on non-U.S. exchanges, companies that have been formed under the laws of non-U.S. countries, or foreign currencies.

The team considers a company to conduct its principal business activities outside the U.S. if it derives at least 50% of its revenue or profits from business outside the U.S. or has at least 50% of its sales or assets outside the U.S.

In addition, the team prefers companies that have the potential for long-term growth.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund invests at least 25% of the value of its net assets in the securities of issuers conducting their principal business activities in the technology and related group of industries.

Additionally, the fund may invest directly in foreign securities or indirectly through depositary receipts.

The fund has the flexibility to invest across market capitalizations but may invest a significant amount of its assets in smaller companies.

The fund seeks capital appreciation by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of technology companies that may benefit from technological improvements, advancements or developments.

Technology companies include companies in technology-related industries or sectors, such as the information technology, communications, healthcare, media, consumer electronics, semi-conductor, internet commerce and advertising, environmental, aerospace and defense industries and sectors.

The research team invests at least 40% of the fund’s net assets in companies that maintain their principal place of business or conduct their principal business activities outside the U.S.

This may also include companies that have their securities traded on non-U.S. exchanges, companies that have been formed under the laws of non-U.S. countries, or foreign currencies.

The team considers a company to conduct its principal business activities outside the U.S. if it derives at least 50% of its revenue or profits from business outside the U.S. or has at least 50% of its sales or assets outside the U.S.

In addition, the team prefers companies that have the potential for long-term growth.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund invests at least 25% of the value of its net assets in the securities of issuers conducting their principal business activities in the technology and related group of industries.

Additionally, the fund may invest directly in foreign securities or indirectly through depositary receipts.

The fund has the flexibility to invest across market capitalizations but may invest a significant amount of its assets in smaller companies.

The fund seeks capital appreciation by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of technology companies that may benefit from technological improvements, advancements or developments.

Technology companies include companies in technology-related industries or sectors, such as the information technology, communications, healthcare, media, consumer electronics, semi-conductor, internet commerce and advertising, environmental, aerospace and defense industries and sectors.

The research team invests at least 40% of the fund’s net assets in companies that maintain their principal place of business or conduct their principal business activities outside the U.S.

This may also include companies that have their securities traded on non-U.S. exchanges, companies that have been formed under the laws of non-U.S. countries, or foreign currencies.

The team considers a company to conduct its principal business activities outside the U.S. if it derives at least 50% of its revenue or profits from business outside the U.S. or has at least 50% of its sales or assets outside the U.S.

In addition, the team prefers companies that have the potential for long-term growth.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund invests at least 25% of the value of its net assets in the securities of issuers conducting their principal business activities in the technology and related group of industries.

Additionally, the fund may invest directly in foreign securities or indirectly through depositary receipts.

The fund has the flexibility to invest across market capitalizations but may invest a significant amount of its assets in smaller companies.

The fund seeks capital appreciation by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of technology companies that may benefit from technological improvements, advancements or developments.

Technology companies include companies in technology-related industries or sectors, such as the information technology, communications, healthcare, media, consumer electronics, semi-conductor, internet commerce and advertising, environmental, aerospace and defense industries and sectors.

The research team invests at least 40% of the fund’s net assets in companies that maintain their principal place of business or conduct their principal business activities outside the U.S.

This may also include companies that have their securities traded on non-U.S. exchanges, companies that have been formed under the laws of non-U.S. countries, or foreign currencies.

The team considers a company to conduct its principal business activities outside the U.S. if it derives at least 50% of its revenue or profits from business outside the U.S. or has at least 50% of its sales or assets outside the U.S.

In addition, the team prefers companies that have the potential for long-term growth.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund invests at least 25% of the value of its net assets in the securities of issuers conducting their principal business activities in the technology and related group of industries.

Additionally, the fund may invest directly in foreign securities or indirectly through depositary receipts.

The fund has the flexibility to invest across market capitalizations but may invest a significant amount of its assets in smaller companies.

The fund seeks capital appreciation by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of technology companies that may benefit from technological improvements, advancements or developments.

Technology companies include companies in technology-related industries or sectors, such as the information technology, communications, healthcare, media, consumer electronics, semi-conductor, internet commerce and advertising, environmental, aerospace and defense industries and sectors.

The research team invests at least 40% of the fund’s net assets in companies that maintain their principal place of business or conduct their principal business activities outside the U.S.

This may also include companies that have their securities traded on non-U.S. exchanges, companies that have been formed under the laws of non-U.S. countries, or foreign currencies.

The team considers a company to conduct its principal business activities outside the U.S. if it derives at least 50% of its revenue or profits from business outside the U.S. or has at least 50% of its sales or assets outside the U.S.

In addition, the team prefers companies that have the potential for long-term growth.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund invests at least 25% of the value of its net assets in the securities of issuers conducting their principal business activities in the technology and related group of industries.

Additionally, the fund may invest directly in foreign securities or indirectly through depositary receipts.

The fund has the flexibility to invest across market capitalizations but may invest a significant amount of its assets in smaller companies.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of U.S. and non-U.S. companies with business operations in technology and technology-related industries.

Technology-related companies are those companies that use technology extensively to improve their business processes and applications.

The technology industry comprises information technology and communications, as well as medical, environmental and biotechnology.

The research team invests at least 40% of the fund’s net assets in companies that maintain their principal place of business or conduct their principal business activities outside the U.S.

This may also include companies that have their securities traded on non-U.S. exchanges, or have been formed under the laws of non-U.S. countries.

The team considers a company to conduct its principal business activities outside the U.S. if it derives at least 50% of its revenue from business outside the U.S. or has at least 50% of its assets outside the U.S.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may invest in securities of companies domiciled in any country, and also, generally invests in several countries in different geographic regions
Additionally, the fund may invest in all types of securities, many of which will be denominated in currencies other than the U.S. dollar.

The fund also may invest up to 20% of its net assets in preferred stock and investment-grade or comparable quality debt securities.

Also, the fund is non-diversified, which means that it can invest a greater percentage of its assets in the securities of fewer issuers than can a diversified fund.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of U.S. and non-U.S. companies with business operations in technology and technology-related industries.

Technology-related companies are those companies that use technology extensively to improve their business processes and applications.

The technology industry comprises information technology and communications, as well as medical, environmental and biotechnology.

The research team invests at least 40% of the fund’s net assets in companies that maintain their principal place of business or conduct their principal business activities outside the U.S.

This may also include companies that have their securities traded on non-U.S. exchanges, or have been formed under the laws of non-U.S. countries.

The team considers a company to conduct its principal business activities outside the U.S. if it derives at least 50% of its revenue from business outside the U.S. or has at least 50% of its assets outside the U.S.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may invest in securities of companies domiciled in any country, and also, generally invests in several countries in different geographic regions
Additionally, the fund may invest in all types of securities, many of which will be denominated in currencies other than the U.S. dollar.

The fund also may invest up to 20% of its net assets in preferred stock and investment-grade or comparable quality debt securities.

Also, the fund is non-diversified, which means that it can invest a greater percentage of its assets in the securities of fewer issuers than can a diversified fund.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of U.S. and non-U.S. companies with business operations in technology and technology-related industries.

Technology-related companies are those companies that use technology extensively to improve their business processes and applications.

The technology industry comprises information technology and communications, as well as medical, environmental and biotechnology.

The research team invests at least 40% of the fund’s net assets in companies that maintain their principal place of business or conduct their principal business activities outside the U.S.

This may also include companies that have their securities traded on non-U.S. exchanges, or have been formed under the laws of non-U.S. countries.

The team considers a company to conduct its principal business activities outside the U.S. if it derives at least 50% of its revenue from business outside the U.S. or has at least 50% of its assets outside the U.S.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may invest in securities of companies domiciled in any country, and also, generally invests in several countries in different geographic regions
Additionally, the fund may invest in all types of securities, many of which will be denominated in currencies other than the U.S. dollar.

The fund also may invest up to 20% of its net assets in preferred stock and investment-grade or comparable quality debt securities.

Also, the fund is non-diversified, which means that it can invest a greater percentage of its assets in the securities of fewer issuers than can a diversified fund.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of U.S. and non-U.S. companies with business operations in technology and technology-related industries.

Technology-related companies are those companies that use technology extensively to improve their business processes and applications.

The technology industry comprises information technology and communications, as well as medical, environmental and biotechnology.

The research team invests at least 40% of the fund’s net assets in companies that maintain their principal place of business or conduct their principal business activities outside the U.S.

This may also include companies that have their securities traded on non-U.S. exchanges, or have been formed under the laws of non-U.S. countries.

The team considers a company to conduct its principal business activities outside the U.S. if it derives at least 50% of its revenue from business outside the U.S. or has at least 50% of its assets outside the U.S.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may invest in securities of companies domiciled in any country, and also, generally invests in several countries in different geographic regions
Additionally, the fund may invest in all types of securities, many of which will be denominated in currencies other than the U.S. dollar.

The fund also may invest up to 20% of its net assets in preferred stock and investment-grade or comparable quality debt securities.

Also, the fund is non-diversified, which means that it can invest a greater percentage of its assets in the securities of fewer issuers than can a diversified fund.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of U.S. and non-U.S. companies with business operations in technology and technology-related industries.

Technology-related companies are those companies that use technology extensively to improve their business processes and applications.

The technology industry comprises information technology and communications, as well as medical, environmental and biotechnology.

The research team invests at least 40% of the fund’s net assets in companies that maintain their principal place of business or conduct their principal business activities outside the U.S.

This may also include companies that have their securities traded on non-U.S. exchanges, or have been formed under the laws of non-U.S. countries.

The team considers a company to conduct its principal business activities outside the U.S. if it derives at least 50% of its revenue from business outside the U.S. or has at least 50% of its assets outside the U.S.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may invest in securities of companies domiciled in any country, and also, generally invests in several countries in different geographic regions
Additionally, the fund may invest in all types of securities, many of which will be denominated in currencies other than the U.S. dollar.

The fund also may invest up to 20% of its net assets in preferred stock and investment-grade or comparable quality debt securities.

Also, the fund is non-diversified, which means that it can invest a greater percentage of its assets in the securities of fewer issuers than can a diversified fund.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of U.S. and non-U.S. companies with business operations in technology and technology-related industries.

Technology-related companies are those companies that use technology extensively to improve their business processes and applications.

The technology industry comprises information technology and communications, as well as medical, environmental and biotechnology.

The research team invests at least 40% of the fund’s net assets in companies that maintain their principal place of business or conduct their principal business activities outside the U.S.

This may also include companies that have their securities traded on non-U.S. exchanges, or have been formed under the laws of non-U.S. countries.

The team considers a company to conduct its principal business activities outside the U.S. if it derives at least 50% of its revenue from business outside the U.S. or has at least 50% of its assets outside the U.S.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may invest in securities of companies domiciled in any country, and also, generally invests in several countries in different geographic regions
Additionally, the fund may invest in all types of securities, many of which will be denominated in currencies other than the U.S. dollar.

The fund also may invest up to 20% of its net assets in preferred stock and investment-grade or comparable quality debt securities.

Also, the fund is non-diversified, which means that it can invest a greater percentage of its assets in the securities of fewer issuers than can a diversified fund.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of U.S. and non-U.S. companies with business operations in technology and technology-related industries.

Technology-related companies are those companies that use technology extensively to improve their business processes and applications.

The technology industry comprises information technology and communications, as well as medical, environmental and biotechnology.

The research team invests at least 40% of the fund’s net assets in companies that maintain their principal place of business or conduct their principal business activities outside the U.S.

This may also include companies that have their securities traded on non-U.S. exchanges, or have been formed under the laws of non-U.S. countries.

The team considers a company to conduct its principal business activities outside the U.S. if it derives at least 50% of its revenue from business outside the U.S. or has at least 50% of its assets outside the U.S.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may invest in securities of companies domiciled in any country, and also, generally invests in several countries in different geographic regions
Additionally, the fund may invest in all types of securities, many of which will be denominated in currencies other than the U.S. dollar.

The fund also may invest up to 20% of its net assets in preferred stock and investment-grade or comparable quality debt securities.

Also, the fund is non-diversified, which means that it can invest a greater percentage of its assets in the securities of fewer issuers than can a diversified fund.

The fund seeks capital appreciation in the long term by investing in companies outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of companies that will benefit significantly from advances or improvements in technology.

According to the team, these companies generally fall into two categories. In the first category, the team considers companies that have or will develop products, processes, or services that will provide significant technological advancements or improvements.

In the second category, the team focuses on companies that rely extensively on technology in connection with their operations or services.

Next, the research team invests in securities of U.S. and foreign companies exhibiting growth potential.

Also, the fund will typically invest at least 40% of its net assets in securities of issuers or companies that are economically tied to different countries throughout the world, excluding the United States.

A security is deemed to be economically tied to a country or countries outside of the United States if the company is organized in, or its primary business office or principal trading market of its equity are located in, a country outside of the United States.

Also, a security is deemed to be economically tied to a country or countries outside of the United States if a majority of the company’s revenues are derived from outside of the United States, or a majority of the company’s assets are located outside of the United States.

In selecting securities for the portfolio, the research team focuses on companies with attractive valuations.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may have exposure to emerging markets, and may invest in shares of companies through initial public offerings.

Additionally, the fund may lend portfolio securities on a short-term or long-term basis, in an amount equal to up to one-third of its net assets.

Some of the industries and companies in the portfolio include e-commerce, computer, communications, industrials; Internet; and media and entertainment.

The fund seeks capital appreciation in the long term by investing in companies outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of companies that will benefit significantly from advances or improvements in technology.

According to the team, these companies generally fall into two categories. In the first category, the team considers companies that have or will develop products, processes, or services that will provide significant technological advancements or improvements.

In the second category, the team focuses on companies that rely extensively on technology in connection with their operations or services.

Next, the research team invests in securities of U.S. and foreign companies exhibiting growth potential.

Also, the fund will typically invest at least 40% of its net assets in securities of issuers or companies that are economically tied to different countries throughout the world, excluding the United States.

A security is deemed to be economically tied to a country or countries outside of the United States if the company is organized in, or its primary business office or principal trading market of its equity are located in, a country outside of the United States.

Also, a security is deemed to be economically tied to a country or countries outside of the United States if a majority of the company’s revenues are derived from outside of the United States, or a majority of the company’s assets are located outside of the United States.

In selecting securities for the portfolio, the research team focuses on companies with attractive valuations.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may have exposure to emerging markets, and may invest in shares of companies through initial public offerings.

Additionally, the fund may lend portfolio securities on a short-term or long-term basis, in an amount equal to up to one-third of its net assets.

Some of the industries and companies in the portfolio include e-commerce, computer, communications, industrials; Internet; and media and entertainment.

The fund seeks capital appreciation in the long term by investing in companies outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of companies that will benefit significantly from advances or improvements in technology.

According to the team, these companies generally fall into two categories. In the first category, the team considers companies that have or will develop products, processes, or services that will provide significant technological advancements or improvements.

In the second category, the team focuses on companies that rely extensively on technology in connection with their operations or services.

Next, the research team invests in securities of U.S. and foreign companies exhibiting growth potential.

Also, the fund will typically invest at least 40% of its net assets in securities of issuers or companies that are economically tied to different countries throughout the world, excluding the United States.

A security is deemed to be economically tied to a country or countries outside of the United States if the company is organized in, or its primary business office or principal trading market of its equity are located in, a country outside of the United States.

Also, a security is deemed to be economically tied to a country or countries outside of the United States if a majority of the company’s revenues are derived from outside of the United States, or a majority of the company’s assets are located outside of the United States.

In selecting securities for the portfolio, the research team focuses on companies with attractive valuations.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may have exposure to emerging markets, and may invest in shares of companies through initial public offerings.

Additionally, the fund may lend portfolio securities on a short-term or long-term basis, in an amount equal to up to one-third of its net assets.

Some of the industries and companies in the portfolio include e-commerce, computer, communications, industrials; Internet; and media and entertainment.

The fund seeks capital appreciation in the long term by investing in companies outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of companies that will benefit significantly from advances or improvements in technology.

According to the team, these companies generally fall into two categories. In the first category, the team considers companies that have or will develop products, processes, or services that will provide significant technological advancements or improvements.

In the second category, the team focuses on companies that rely extensively on technology in connection with their operations or services.

Next, the research team invests in securities of U.S. and foreign companies exhibiting growth potential.

Also, the fund will typically invest at least 40% of its net assets in securities of issuers or companies that are economically tied to different countries throughout the world, excluding the United States.

A security is deemed to be economically tied to a country or countries outside of the United States if the company is organized in, or its primary business office or principal trading market of its equity are located in, a country outside of the United States.

Also, a security is deemed to be economically tied to a country or countries outside of the United States if a majority of the company’s revenues are derived from outside of the United States, or a majority of the company’s assets are located outside of the United States.

In selecting securities for the portfolio, the research team focuses on companies with attractive valuations.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may have exposure to emerging markets, and may invest in shares of companies through initial public offerings.

Additionally, the fund may lend portfolio securities on a short-term or long-term basis, in an amount equal to up to one-third of its net assets.

Some of the industries and companies in the portfolio include e-commerce, computer, communications, industrials; Internet; and media and entertainment.

The fund seeks capital appreciation in the long term by investing in companies outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of companies that will benefit significantly from advances or improvements in technology.

According to the team, these companies generally fall into two categories. In the first category, the team considers companies that have or will develop products, processes, or services that will provide significant technological advancements or improvements.

In the second category, the team focuses on companies that rely extensively on technology in connection with their operations or services.

Next, the research team invests in securities of U.S. and foreign companies exhibiting growth potential.

Also, the fund will typically invest at least 40% of its net assets in securities of issuers or companies that are economically tied to different countries throughout the world, excluding the United States.

A security is deemed to be economically tied to a country or countries outside of the United States if the company is organized in, or its primary business office or principal trading market of its equity are located in, a country outside of the United States.

Also, a security is deemed to be economically tied to a country or countries outside of the United States if a majority of the company’s revenues are derived from outside of the United States, or a majority of the company’s assets are located outside of the United States.

In selecting securities for the portfolio, the research team focuses on companies with attractive valuations.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may have exposure to emerging markets, and may invest in shares of companies through initial public offerings.

Additionally, the fund may lend portfolio securities on a short-term or long-term basis, in an amount equal to up to one-third of its net assets.

Some of the industries and companies in the portfolio include e-commerce, computer, communications, industrials; Internet; and media and entertainment.

The fund seeks capital appreciation in the long term by investing in companies outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of companies that will benefit significantly from advances or improvements in technology.

According to the team, these companies generally fall into two categories. In the first category, the team considers companies that have or will develop products, processes, or services that will provide significant technological advancements or improvements.

In the second category, the team focuses on companies that rely extensively on technology in connection with their operations or services.

Next, the research team invests in securities of U.S. and foreign companies exhibiting growth potential.

Also, the fund will typically invest at least 40% of its net assets in securities of issuers or companies that are economically tied to different countries throughout the world, excluding the United States.

A security is deemed to be economically tied to a country or countries outside of the United States if the company is organized in, or its primary business office or principal trading market of its equity are located in, a country outside of the United States.

Also, a security is deemed to be economically tied to a country or countries outside of the United States if a majority of the company’s revenues are derived from outside of the United States, or a majority of the company’s assets are located outside of the United States.

In selecting securities for the portfolio, the research team focuses on companies with attractive valuations.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may have exposure to emerging markets, and may invest in shares of companies through initial public offerings.

Additionally, the fund may lend portfolio securities on a short-term or long-term basis, in an amount equal to up to one-third of its net assets.

Some of the industries and companies in the portfolio include e-commerce, computer, communications, industrials; Internet; and media and entertainment.

The fund seeks capital appreciation in the long term by investing in companies outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of companies that will benefit significantly from advances or improvements in technology.

According to the team, these companies generally fall into two categories. In the first category, the team considers companies that have or will develop products, processes, or services that will provide significant technological advancements or improvements.

In the second category, the team focuses on companies that rely extensively on technology in connection with their operations or services.

Next, the research team invests in securities of U.S. and foreign companies exhibiting growth potential.

Also, the fund will typically invest at least 40% of its net assets in securities of issuers or companies that are economically tied to different countries throughout the world, excluding the United States.

A security is deemed to be economically tied to a country or countries outside of the United States if the company is organized in, or its primary business office or principal trading market of its equity are located in, a country outside of the United States.

Also, a security is deemed to be economically tied to a country or countries outside of the United States if a majority of the company’s revenues are derived from outside of the United States, or a majority of the company’s assets are located outside of the United States.

In selecting securities for the portfolio, the research team focuses on companies with attractive valuations.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may have exposure to emerging markets, and may invest in shares of companies through initial public offerings.

Additionally, the fund may lend portfolio securities on a short-term or long-term basis, in an amount equal to up to one-third of its net assets.

Some of the industries and companies in the portfolio include e-commerce, computer, communications, industrials; Internet; and media and entertainment.

The fund seeks capital appreciation by investing in companies engaged in research, development, distribution and marketing of technology products and services.

The investment team looks for innovative solutions providers or companies that can sell in the global market and generate positive returns regardless of economic conditions. The fund prefers to invest in companies that can benefit from changes, innovations and disruptions.

The fund invests across all market capitalizations and about 80% of total assets are invested in above $3 billion.

The fund is diversified across all regions but the majority of its investments are in developed markets with more than 65% in the United States and about 30% in China, Japan, Taiwan, Thailand, and South Korea.

The fund seeks capital appreciation by investing in companies engaged in research, development, distribution and marketing of technology products and services.

The investment team looks for innovative solutions providers or companies that can sell in the global market and generate positive returns regardless of economic conditions. The fund prefers to invest in companies that can benefit from changes, innovations and disruptions.

The fund invests across all market capitalizations and about 80% of total assets are invested in above $3 billion.

The fund is diversified across all regions but the majority of its investments are in developed markets with more than 65% in the United States and about 30% in China, Japan, Taiwan, Thailand, and South Korea.

The fund seeks capital appreciation by investing in companies engaged in research, development, distribution and marketing of technology products and services.

The investment team looks for innovative solutions providers or companies that can sell in the global market and generate positive returns regardless of economic conditions. The fund prefers to invest in companies that can benefit from changes, innovations and disruptions.

The fund invests across all market capitalizations and about 80% of total assets are invested in above $3 billion.

The fund is diversified across all regions but the majority of its investments are in developed markets with more than 65% in the United States and about 30% in China, Japan, Taiwan, Thailand, and South Korea.

The fund seeks capital appreciation by investing in companies engaged in research, development, distribution and marketing of technology products and services.

The investment team looks for innovative solutions providers or companies that can sell in the global market and generate positive returns regardless of economic conditions. The fund prefers to invest in companies that can benefit from changes, innovations and disruptions.

The fund invests across all market capitalizations and about 80% of total assets are invested in above $3 billion.

The fund is diversified across all regions but the majority of its investments are in developed markets with more than 65% in the United States and about 30% in China, Japan, Taiwan, Thailand, and South Korea.

The fund seeks capital appreciation by investing in companies engaged in research, development, distribution and marketing of technology products and services.

The investment team looks for innovative solutions providers or companies that can sell in the global market and generate positive returns regardless of economic conditions. The fund prefers to invest in companies that can benefit from changes, innovations and disruptions.

The fund invests across all market capitalizations and about 80% of total assets are invested in above $3 billion.

The fund is diversified across all regions but the majority of its investments are in developed markets with more than 65% in the United States and about 30% in China, Japan, Taiwan, Thailand, and South Korea.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of f companies that are estimated to generate a majority of their revenues from the development, advancement, and use of technology.

The team emphasizes on the securities of leading technology companies around the world.

In selecting securities for the portfolio, the research team assesses companies’ business prospects, the valuations of their stocks, and their prospects for share price appreciation.

The team also focuses on companies positioned to benefit from advances in technology even if they are not direct technology providers.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund invests in at least 5 countries and allocates approximately 25% of its net assets in stocks of companies outside the U.S., including companies in emerging markets.

Some of the industries and companies in the portfolio include communications, Internet infrastructure, semiconductors, computer, e-commerce and data processing services, and media and entertainment.

Additionally, the fund is non-diversified, meaning it may invest a greater portion of its assets in fewer issuers than is permissible for a diversified fund.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of f companies that are estimated to generate a majority of their revenues from the development, advancement, and use of technology.

The team emphasizes on the securities of leading technology companies around the world.

In selecting securities for the portfolio, the research team assesses companies’ business prospects, the valuations of their stocks, and their prospects for share price appreciation.

The team also focuses on companies positioned to benefit from advances in technology even if they are not direct technology providers.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund invests in at least 5 countries and allocates approximately 25% of its net assets in stocks of companies outside the U.S., including companies in emerging markets.

Some of the industries and companies in the portfolio include communications, Internet infrastructure, semiconductors, computer, e-commerce and data processing services, and media and entertainment.

Additionally, the fund is non-diversified, meaning it may invest a greater portion of its assets in fewer issuers than is permissible for a diversified fund.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The sub-adviser’s investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of technology companies and in derivatives and other synthetic instruments that have economic characteristics similar to equity securities of technology companies.

The team defines technology companies as those that provide technology products or services or utilize technology to gain competitive advantages.

These may include, without limitation, internet products and services, computers and computer peripherals, software, electronic components and systems, communications equipment and services, semiconductors, and automotive technology.

Other examples of technology companies would be transportation services and products, artificial intelligence technology, video gaming, security services and products, media and information services, environmental services, chemical products and synthetic materials, defense and aerospace products and services, nanotechnology, energy equipment and services.

The team favors companies that exhibit potential for capital appreciation.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may invest up to 50% of its net assets in non-U.S. securities, including emerging market securities.

Also, the fund will invest no more than 25% of its net assets in any one country outside of the United States.

The fund is non-diversified, which means that it may invest a significant portion of its assets in a relatively small number of issuers.

In addition, the fund may invest in securities issued in initial public offerings and may utilize foreign currency exchange contracts, options, futures and forward contracts, swap agreements and other derivative instruments.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The sub-adviser’s investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of technology companies and in derivatives and other synthetic instruments that have economic characteristics similar to equity securities of technology companies.

The team defines technology companies as those that provide technology products or services or utilize technology to gain competitive advantages.

These may include, without limitation, internet products and services, computers and computer peripherals, software, electronic components and systems, communications equipment and services, semiconductors, and automotive technology.

Other examples of technology companies would be transportation services and products, artificial intelligence technology, video gaming, security services and products, media and information services, environmental services, chemical products and synthetic materials, defense and aerospace products and services, nanotechnology, energy equipment and services.

The team favors companies that exhibit potential for capital appreciation.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may invest up to 50% of its net assets in non-U.S. securities, including emerging market securities.

Also, the fund will invest no more than 25% of its net assets in any one country outside of the United States.

The fund is non-diversified, which means that it may invest a significant portion of its assets in a relatively small number of issuers.

In addition, the fund may invest in securities issued in initial public offerings and may utilize foreign currency exchange contracts, options, futures and forward contracts, swap agreements and other derivative instruments.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The sub-adviser’s investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of technology companies and in derivatives and other synthetic instruments that have economic characteristics similar to equity securities of technology companies.

The team defines technology companies as those that provide technology products or services or utilize technology to gain competitive advantages.

These may include, without limitation, internet products and services, computers and computer peripherals, software, electronic components and systems, communications equipment and services, semiconductors, and automotive technology.

Other examples of technology companies would be transportation services and products, artificial intelligence technology, video gaming, security services and products, media and information services, environmental services, chemical products and synthetic materials, defense and aerospace products and services, nanotechnology, energy equipment and services.

The team favors companies that exhibit potential for capital appreciation.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may invest up to 50% of its net assets in non-U.S. securities, including emerging market securities.

Also, the fund will invest no more than 25% of its net assets in any one country outside of the United States.

The fund is non-diversified, which means that it may invest a significant portion of its assets in a relatively small number of issuers.

In addition, the fund may invest in securities issued in initial public offerings and may utilize foreign currency exchange contracts, options, futures and forward contracts, swap agreements and other derivative instruments.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The sub-adviser’s investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of technology companies and in derivatives and other synthetic instruments that have economic characteristics similar to equity securities of technology companies.

The team defines technology companies as those that provide technology products or services or utilize technology to gain competitive advantages.

These may include, without limitation, internet products and services, computers and computer peripherals, software, electronic components and systems, communications equipment and services, semiconductors, and automotive technology.

Other examples of technology companies would be transportation services and products, artificial intelligence technology, video gaming, security services and products, media and information services, environmental services, chemical products and synthetic materials, defense and aerospace products and services, nanotechnology, energy equipment and services.

The team favors companies that exhibit potential for capital appreciation.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may invest up to 50% of its net assets in non-U.S. securities, including emerging market securities.

Also, the fund will invest no more than 25% of its net assets in any one country outside of the United States.

The fund is non-diversified, which means that it may invest a significant portion of its assets in a relatively small number of issuers.

In addition, the fund may invest in securities issued in initial public offerings and may utilize foreign currency exchange contracts, options, futures and forward contracts, swap agreements and other derivative instruments.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The sub-adviser’s investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of technology companies and in derivatives and other synthetic instruments that have economic characteristics similar to equity securities of technology companies.

The team defines technology companies as those that provide technology products or services or utilize technology to gain competitive advantages.

These may include, without limitation, internet products and services, computers and computer peripherals, software, electronic components and systems, communications equipment and services, semiconductors, and automotive technology.

Other examples of technology companies would be transportation services and products, artificial intelligence technology, video gaming, security services and products, media and information services, environmental services, chemical products and synthetic materials, defense and aerospace products and services, nanotechnology, energy equipment and services.

The team favors companies that exhibit potential for capital appreciation.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may invest up to 50% of its net assets in non-U.S. securities, including emerging market securities.

Also, the fund will invest no more than 25% of its net assets in any one country outside of the United States.

The fund is non-diversified, which means that it may invest a significant portion of its assets in a relatively small number of issuers.

In addition, the fund may invest in securities issued in initial public offerings and may utilize foreign currency exchange contracts, options, futures and forward contracts, swap agreements and other derivative instruments.