Beginning on January 1, 2021, as permitted by regulations adopted by the Securities and Exchange Commission, paper copies of the
Funds’ shareholder reports will no longer be sent by mail, unless you specifically request paper copies of the reports from the Funds or
from your financial intermediary, such as a broker-dealer or bank. Instead, the reports will be made available on a website, and you will
be notified by mail each time a report is posted and provided with a website link to access the report.