Activa Mutual Funds - Investing for Retirement

Looking toward and planning for retirement is an important goal for many investors. At Activa we understand how hard the planning may be, that is why we have provided retirement fund calculators to help investors with their planning needs. The calculators may also help you decide which type of retirement plan is right for you.

Currently annual maximum contribution limits for Traditional and Roth IRAs is $3,000, and investors age 50 or older may make "catch up" contributions of an additional $500. Eligibility requirements may apply when investing in both Traditional and Roth IRAs.

Activa offers both Traditional and Roth Individual Retirement Accounts along with the Coverdell Educational Savings Plan. Please see the Retirement Center menu for more complete description of each plan.

Retirement Plan applications, custodial agreements and disclosure statements may be obtained by calling 1(800) 346-2670. You may also e-mail questions or literature requests by completing the Contact Us form on our menu.

Distributor: Activa Asset Management, L.L.C.

Past performance is no guarantee of future results. Investment return and principal value will vary so that you may have a gain or a loss when you sell shares. Current month-end perfomance information is available by contacting Activa Shareholder Services at 1-800-346-2670.

Activa Asset Management, L.L.C. is the investment advisor to the Activa Funds and receives a fee from the funds for its services.

Mutual funds, annuities, and other investments are:

Not insured or guaranteed by the FDIC or by any other government agency or government sponsored agency of the federal government or any state
Not deposits, obligations, or guaranteed by any bank or its affiliates
Subject to investment risks, including possible loss of the principal amount invested

There is no guarantee that the fund will continue to hold any one particular security or stay invested in any one particular company. The composition of the fund's top holdings is subject to change. Performance figures are historical and reflect the change in share price, reinvested distributions, changes in net asset value, sales charges and capital gains distributions, if any.

Investors should carefully consider the investment objectives, risks, and charges and expenses of the Funds before investing. The prospectus provides this and additional information about the Funds. The prospectus can be obtained on-line or by calling 1-800-346-2670. Please read the prospectus carefully before investing or sending money.