This email will serve as a confirmation that I accepted both the terms of electronic delivery and the documents that you emailed me, ( cantor@financialtec.com ) on 11/8/2023 3:27:17 PM :
Company NameFund NameClassDocument Type
American Funds Capital World Bond Fund 140541822 Class F-2
Summary Prospectus
2035 Target Date Retirement Fund 02631C726 Class F-2
Summary Prospectus
2030 Target Date Retirement Fund 02631C767 Class F-2
Summary Prospectus
2040 Target Date Retirement Fund 02631C676 Class F-2
Summary Prospectus
2025 Target Date Retirement Fund 02631C817 Class F-2
Summary Prospectus
2020 Target Date Retirement Fund 02631C858 Class F-2
Summary Prospectus
2050 Target Date Retirement Fund 02631C585 Class F-2
Summary Prospectus
2045 Target Date Retirement Fund 02631C635 Class F-2
Summary Prospectus
Oakmark Oakmark Fund 413838798 Advisor Class
Summary Prospectus
American Funds 2055 Target Date Retirement Fund 02631C544 Class F-2
Summary Prospectus
BlackRock Event Driven Equity Fund 09250J734 Institutional
Summary Prospectus
Calamos Market Neutral Income Fund I and R Shares 128119880 Class I
Summary Prospectus
BlackRock Emerging Markets Fund, Inc. 09251J402 Institutional
Summary Prospectus
American Funds The Bond Fund of America 097873822 Class F-2
Summary Prospectus
T. Rowe Price International Discovery Fund 77956H302 Investor
Summary Prospectus
Lord Abbett Short Duration Income Fund 543916688 Class I
Summary Prospectus
Cohen & Steers Global Infrastructure Fund, Inc. Institutional Shares 19248B404 I
Summary Prospectus
Realty Shares, Inc. 192476505 Class I
Summary Prospectus
T. Rowe Price Financial Services Fund 77954N103 Investor
Summary Prospectus
Fidelity Low-Priced Stock Fund 316345305
Summary Prospectus
Blue Chip Growth Fund 316389303
Summary Prospectus
Federated MDT Mid Cap Growth Fund 314172198 Institutional Shares
Summary Prospectus
Institutional High Yield Bond Fund Institutional Shares 31420B300 Institutional Shares
Summary Prospectus
Janus Global Life Sciences Fund 471023465 I
Summary Prospectus
Global Technology and Innovation Fund Fund 471023333 I
Summary Prospectus
Neuberger Berman Long Short Fund A, C and Institutional Class 64128R608 Institutional Class
Summary Prospectus
Columbia Overseas Value Fund 19766P884 Advisor Class
Summary Prospectus
T. Rowe Price Institutional Floating Rate Fund F Class 77958B105 F
Summary Prospectus
American Funds 2060 Target Date Retirement Fund 02631C395 Class F-2
Summary Prospectus
Fidelity Government Money Market Fund-Capital Reserves Class 31617H508 Capital Reserves Class
Summary Prospectus
Inflation-Protected Bond Index Fund Institutional Premium Class 31635T104 Institutional Premium Class
Summary Prospectus
American Funds Emerging Markets Bond Fund 02631F505 Class F-2
Summary Prospectus
American Beacon ARK Transformational Innovation Fund 024526105 Y Class
Summary Prospectus
Fidelity Advisor Utilities Fund Class Z Shares 315918151 Class Z
Summary Prospectus
Invesco Gold & Special Minerals Fund 00143N735 Class Y
Summary Prospectus
American Funds 2065 Target Date Retirement Fund 02631V690 Class F2
Summary Prospectus
Virtus Funds Alphasimplex Managed Futures Strategy Fund 92835M422 Class I
Summary Prospectus
Buffalo Funds Small Cap Fund 119804102
Prospectus
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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.