Mutual Funds

"CD Alternatives" | IRA's | Mutual Funds

Important Information Regarding Mutual Funds

1. Read the prospectus carefully. Prior to investing in any mutual fund, you should carefully read the prospectus, which includes management fees and expenses, as well as the fund's objectives, strategies, and risks. Please note that no-load and load funds have other fees and expenses that apply to a continued investment in the fund and are described in the prospectus.

2. Past performance is no indication of future results, and values fluctuate. Fund historical performance does not promise the same results in the future. Principal value, share prices, and investment returns fluctuate with changes in market conditions. Your investment may be worth more or less than your original cost when you redeem your shares.

3. Reliable sources. While information supplied by data providers is deemed to be reliable, we have not independently verified any such data and do not guarantee its accuracy or suitability for any purpose.

4. Special risks of small-cap and international investing. When choosing your funds, please keep in mind that small-cap funds are subject to greater volatility than funds in other domestic asset classes such as large-cap stock or municipal funds. International and global funds are subject to additional risks such as currency fluctuations, political instability, and the potential for illiquid markets.

5. The impact of taxes. As a mutual fund shareholder, you may receive taxable dividends and capital gains. Taxes on such items can affect the returns you realize from your mutual fund investment. Since we do not offer tax advice, please consult with your tax advisor before making any mutual fund investment.

6. Waiving fees. Some fund managers may have waived all or a portion of the fees during a given period. This fee waiver would have the effect of increasing the fund's reported returns and should be weighed in evaluating the fund's performance. Please read the fund's prospectus for fee information.

7. Transaction fees. Mutual funds charge no transaction fees for the purchase and/or redemption of certain funds which is not reflected in the performance figures.

8. Fund registration. Since not all funds are registered for sale in all states, please call for the availability of a specific fund in your state. Also, not all mutual funds described here are available outside of the United States. The information contained in these pages is not an offer to sell or a solicitation of an offer to buy the securities, products or services mentioned here, and no offers or sales will be made in jurisdictions in which the offer and sale of these securities, products and services is not qualified or otherwise exempt from regulation.

9. Indices are unmanaged. Indices are unmanaged and are not subject to fees and expenses. You cannot invest in an index.

10. Money market fund. Money market mutual funds are neither FDIC-insured nor guaranteed by the U.S. Government, and are not deposits or obligations of, or guaranteed by, any bank. There can be no assurance that these funds will be able to maintain a stable net value of $1 per share. Tax-exempt funds may be subject to the alternative minimum tax.

Securities offered thru Investors Capital Corp.
13 Parson's Hill Rd.
Wenham, MA 01984
(800) 776-7262
Member: NASD/SIPC

Bob Adams, CLU
Adams Insurance & Investment Strategies LLC.
P.O. Box 1855
Dover, NH 03821
Tel: 603.842.4333
Fax: 207.636.8200

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