REQUIRED DISCLOSURES:  Past performance is no guarantee of future results. Investments in securities are not FDIC insured, and may lose value.   Please consult a current prospectus prior to investing in mutual fund shares. All information contained herein gathered from sources deemed to be reliable. For more complete information, please see your official statement. The views are those of Lyn Adams and should not be construed as investment advice. All economic and performance data is historical and not indicative of future results. Investors cannot invest directly in an index.