This email will serve as a confirmation that I accepted both the terms of electronic delivery and the documents that you emailed me, ( mpratt2@commonwealth.com ) on 1/25/2023 9:17:25 AM :
Company NameFund NameClassDocument Type
American Funds American Mutual Fund 027681816 Class R-6
Prospectus
The Bond Fund of America 097873814 Class R-6
Prospectus
Capital World Bond Fund 140541814 Class R-6
Prospectus
MFS Emerging Markets Debt Fund 552746364 Class R6
Prospectus
Victory Sycamore Established Value Fund 92646A427 Class R6
Prospectus
Federated Institutional High Yield Bond Fund Institutional Shares 31420B300 Institutional Shares
Prospectus
Goldman Sachs Emerging Markets Equity Fund 38142B369 Institutional
Prospectus
Fidelity Blue Chip Growth Fund 316389303
Prospectus
T. Rowe Price Institutional Floating Rate Fund 77958B402 Institutional
Prospectus
Vanguard 500 Index Fund Admiral Shares 922908710 Admiral Shares
Prospectus
BlackRock Event Driven Equity Fund 09250J734 Institutional
Prospectus
Vanguard Total Stock Market Index Fund Admiral Shares 922908728 Admiral Shares
Prospectus
BlackRock Technology Opportunities Fund 091929612 INSTITUTIONAL
Prospectus
Mid-Cap Growth Equity Portfolio 091928861 INSTITUTIONAL
Prospectus
Fidelity Advisor Health Care Fund 315918193 Class Z
Prospectus
Dodge & Cox International Stock Fund 256206103
Prospectus
Cohen & Steers Global Infrastructure Fund, Inc. Institutional Shares 19248B404 I
Prospectus
Dimensional Funds U.S. Targeted Value Portfolio Institutional Shares 233203595 Institutional
Prospectus
DFA Real Estate Securities Portfolio Institutional Shares 233203835 Institutional
Prospectus
International Small Company Portfolio Institutional Shares 233203629 Institutional
Prospectus
International Large Cap Growth Portfolio 23320G265 Institutional Class
Prospectus
PIMCO TRENDS Managed Futures Strategy Fund 72201U455 Institutional Class
Prospectus
Dimensional Funds DFA Short-Duration Real Return Portfolio 25239Y576 Institutional Class
Prospectus
American Funds Inflation Linked Bond Fund 02630D816 Class R-6
Prospectus
American Beacon ARK Transformational Innovation Fund 024526105 Y Class
Prospectus
Vanguard Total International Stock Index Fund Admiral Shares 921909818 Admiral Shares
Prospectus
Buffalo Funds Small Cap Fund 119804102
SAI
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Mutual Fund, 529 Plan Share Class, and Out-of-State Information
The following information is offered as a reminder to those owners of applicable mutual fund or 529 college savings plan accounts.


Class A share purchases are subject to an initial sales charge of a percentage of the offering price and may be subject to 12b-1 expense fees. Class A shares generally have lower annual distribution and service (12b-1) fees than other share classes and may offer a reduced sales charge through Rights of Accumulation (ROA) or a Letter of Intent (LOI). An LOI is a written promise to purchase a specific dollar amount of mutual fund shares over a period of time, usually 13 months. In exchange, the fund company applies a lower front-end sales charge to all purchases of A shares. ROA permit the pooling of assets invested in a fund family among individuals who are related to one another, qualifying them for reduced sales charges when the combined investment reaches a breakpoint.

Class B share purchases are not subject to any initial sales charge or load. Purchases are subject to a declining surrender charge over a period of years and incur higher 12b-1 fees than A shares. Reduced sales charges available through ROA or LOI are not an option through B share purchases. Redemptions prior to expiration of the surrender period may be subject to a charge of a certain percentage known as a contingent deferred sales charge (CDSC) or surrender charge.

Class C share purchases may not be subject to an initial sales charge, but on an ongoing basis will have higher 12b-1 expense fees and may be assessed a CDSC if redeemed within a specific period of time, usually within one to one-and-one-half years of purchase. Purchases of C shares in 529 plans will generally not be permitted by Commonwealth if the beneficiary’s investment time horizon is more than six years.

Out-of-State 529 Information
Depending upon the laws of the home state and the laws of the designated beneficiary’s state, favorable state tax treatment or other benefits offered by such home state for investing in 529 college savings plans may be available only if investment is made in the home state’s 529 college savings plan. Any state-based benefit offered with respect to a particular 529 college savings plan should be one of many appropriately weighted factors to be considered in making an investment decision. Consultation with a financial, tax, or other advisor to learn more about how state-based benefits (including any limitations) would apply to specific circumstances, and contacting a home state plan or any other 529 college savings plan to learn more about the features, benefits, and limitations of that state’s 529 college savings plan, may be considered.

Securities and insurance products offered may lose value, are not bank or credit union deposits, not FDIC-insured, not NCUA-insured, not NCUSIF-insured, not insured by any government agency, and not endorsed or guaranteed by Commonwealth Financial Network or your Registered Representative.