(This document is solely a Word template to assist managers with preparing the first Fund Facts documents for their mutual funds. Please see Form 81-101F3 for instructions concerning the information to be populated in each field.  Such instructions are too lengthy to repeat in this document.)
FUND FACTS
[manager]
[mutual fund]
[class/series of securities]
[date]
This document contains key information you should know about [mutual fund]. You can find more detailed information in the fund’s simplified prosp ectus. Ask your adviser for a copy, contact [manager] at [manager’s toll-free number and e-mail address], or visit [manager’s website].
Quick Facts
What does the fund invest in?
[Brief summary of fundamental nature/features]
The charts below give you a snapshot of the fund’s investments on [date]. The fund’s investments will change.
How has the fund performed?
This section tells you how the fund has performed over the past [10] years. Returns are after expenses have been deducted.  These expenses r educe the fund’s returns.
It’s important to note that this doesn’t tell you how the fund will perform in the future. Also, your actual after-tax return will depend on your personal tax situation and any other fees you pay.
Average return
A person who invested $1,000 in the fund on [date: lesser of 10 years ago and inception] would have had $<*> on <*>.  This works out to an annual compound return of <*>%.
Year-by-year returns
This chart shows how the fund has performed in each of the past 10 years.  The fund dropped in value in <*> of 10 years.
[bar chart of calendar year returns]
How risky is it?
When you invest in a fund, the value of your investment can go down as well as up.  [manager] has rated this fund’s risk as [rating].
For a description of the spe cific risks of this fund, see the fund’s simplified prospectus.
Are there any guarantees?
Like most mutual funds, this fund doesn’t have any guarantees. You may not get back the money you invest.
Who is this fund for?
Investors who:spring framework documentation
[insert suitability]
Before you invest in any fund, you should consider how it would work with your other investments and your tolerance for risk.
A word about tax
In general, you’ll have to pay income tax on any money you make on a fund.  How much you pay depends on the tax laws where you live and whether or not you hold the fund in a registered plan, such as a Registered Retirements Savings Plan or a Tax-Free Savings Account.
Keep in mind that if you hold your fund outside a registered plan, fund distributions are included in your income for tax purposes, whether you get them in cash or have them reinvested.  If you hold your fund
inside a registered plan, you will include fund distributions and other amounts you withdraw from your registered plan in your income for tax purposes.  Different rules apply for Tax-Free Savings Accounts.
How much does this cost?
The following tables show the fees and expenses you could pay to buy, own and sell [class/series] of the fund.
The fees and expenses are different for other [classes/series] of the fund.  Ask your adviser about other [classes/series] that may be suitable for you.
Sales charges
You have to choose a sales charge option when you buy the fund.  As about the pros and cons of each option.
Fund expenses
You don’t pay these expenses directly.  They affect you because they reduce the fund’s returns. As of [date], the fund’s expenses were <*>% of its value. This equals $<*> for every $1,000 invested.
[or, for a new fund:
The fund’s expenses are made up of the management fee, operating expenses and trading costs.  The fund’s annual management fee is <*>% of the fund’s value.  Because this f und is new, its operating expenses and trading costs are not yet available.]
Trailing commission

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