Credit Suisse/Tremont Hedge Fund Index

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Investments in hedge funds are speculative and involve a high degree of risk. Hedge funds may exhibit volatility and investors may lose all or substantially all of their investment. A hedge fund manager typically controls trading of the fund and the use of single advisor's trading platform may result in a lack of diversification. Hedge funds also may use leverage and trade on foreign markets, which may carry additional risks. Hedge funds charge higher fees than many other types of investments, which can offset any trading profits. Interests in hedge funds may be subject to limitations on transferability. Hedge funds are illiquid and no secondary market for interests typically exists or is likely to develop.

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