Tax-Free Income Fund

Ticker: SNTIX

Fund Type: General Municipal Debt

How to Invest

Always read the prospectus, which contains important information about the Funds, before investing. You may download the prospectus from this website or call 1-800-332-5580 to request an investment kit. Please be specific about which prospectus (stock or bond) you are requesting. After reading the prospectus, you may invest in the following ways.

Shareholders may invest in a variety of ways.

To exchange investments between Funds you own or a new Fund, you may:

• access your accounts security via "Account Access" (a PIN is required)
• call our automatic shareholder investment line 1-800-332-5580 (a PIN is required)
• contact an Investor Services Representative at 1-800-332-5580

Shareholders wanting to wire money to purchase Sit Mutual Funds should use the following instructions:

Bank Name:	Bank of New York Mellon
ABA:	011001234
Credit:	0000733571 BNY Mellon Investment Servicing (US) Inc. as Agent for Sit Mutual Funds
Further Credit:	Sit Account Name Sit Fund/Account Number

If you are a current shareholder and would like to open a new account, follow the instructions below.

New shareholders may invest after submitting an application. Applications may be obtained as follows:

• download an application from this website
• call 1-800-332-5580 to request an investment kit, which contains both an application and the prospectus.

Send your signed application to:

Sit Mutual Funds
P.O. Box 9763
Providence, RI 02940

If you are submitting an application using an overnight delivery service the address to use is:

Sit Mutual Funds
4400 Computer Drive
Westboro, MA 01581

If you have questions, we are available Monday through Friday, 7:30 AM to 5:30 PM, Central Time, at 1-800-332-5580, to assist you.

Note: Minimum initial investment amount is $5,000 per fund. For IRA accounts the minimum investment amount is $2,000 per fund.