We collect nonpublic personal information from the following sources:

Information we receive on applications or other forms
Transactions with us or others; (and)
Information we receive from meetings.

We do not disclose any nonpublic personal information to anyone, except as permitted by law. That is, we only disclose information when necessary in the performance of our duty of managing funds. Examples of such necessary and legal disclosures would be to brokers, custodians, auditors and to execute proxy voting.

We restrict access to personal and account information and maintain physical, electronic, and procedural safeguards to guard nonpublic personal information. 

Please be assured that we follow the law regarding disclosure of nonpublic personal information. We hold ourselves to the highest standards in safekeeping and use of information. This means that we do not sell personal information to anyone.