Investing in municipal bonds involves risks including, but not limited to, interest rate risk, credit risk, market risk, inflation and high-yield risk, and possible loss of principal.  Interest on out of state bonds and dividends paid by national funds may be subject to state and local taxes.  Income may also be subject to the Alternative Minimum Tax. There is no assurance that a diversified portfolio will produce better returns than a non-diversified portfolio.  An investor should consider the investment objectives, risks, and charges and expenses associated with municipal fund securities before investing.  More information about municipal fund securities is available in the issuer's official statement.  An official statement should be read carefully before investing.

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