The following is printed from www.sitfunds.com
| Management Fee: | 1.00% |
| Distribution (12b-1) Fee: | None |
| Other Expenses: | None |
| Short-Term Redemption Fee: | 2.00%, on shares held for less than 30 calendar days |
| Minimum Investment Amount: | $5,000 |
| Minimum IRA Investment Amount: | $2,000 |
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