For individual investors, mutual funds are a cost-effective means to obtain professional money management and portfolio diversification. Zions Direct makes it easy for you to search and buy over 900 no-load no-transaction fee (NTF) funds. To help you find funds that match your investment objectives, Zions Direct provides you with FundScan^™, a powerful mutual fund screening and sorting tool. FundScan^™ allows you to locate funds by screening a universe of over 12,000 funds according to criteria you specify, including: expense, performance, risk, and investment objective. Try FundScan^™ today.

Please call 1-800-524-8875 if you have any mutual fund questions or need assistance finding a fund.

Disclosures
The mutual fund information herein is supplied to Zions Direct by Pershing LLC, Lipper Analytical Services, and Morningstar, Inc. Although we believe the data to be reliable, we cannot guarantee its accuracy, completeness or suitability for any purpose.

Fund results indicate past performance only for periods shown and do not predict future returns. Share prices and investment returns fluctuate and an investment may be worth more or less than its original cost when redeemed. In addition, periodic investment plans do not ensure a profit, nor do they protect against loss in declining markets.

For some funds, the manager may have waived all or a portion of the fees during a given period, which would have the effect of increasing the fund's reported annual return. If these fees were factored into calculating the fund's performance, the fund's annual return would be lower. You should consider the impact of waived fees when evaluating a fund's performance because there is no guarantee that these fees will be waived in the future. You can determine if a fund's manager has waived any fees by reading the prospectus.

Performance is calculated by Lipper Analytical Services based on the average annual total return for 1, 5, and 10-year periods, as of the most recent calendar quarter.

Zions Direct charges transaction fees on some mutual fund purchases and redemptions which are not reflected in the Fund Center's performance data. If these fees were factored into the performance data, then the fund's results would be lower.

As a mutual fund shareholder, you may receive taxable dividends (taxable as ordinary income) and capital gains. After paying income taxes, your after-tax investment returns will be lower than your pre-tax returns. At Zions Direct, we do not offer tax advice. However, we suggest that you consider the impact of taxes and, therefore, you may want to consult with your tax advisor before you make any mutual fund investments.

Some of the funds listed in FundCenter invest in international securities, which can involve different risks than U.S. investments. These risks include political and economic instability, changing currency exchange rates, foreign taxes, and differences in financial and accounting standards. If you are considering an investment in an international or global fund, be sure to pay attention to these risks.

Zions Direct may categorize the fund objective descriptions for clarity of presentation, using Lipper Analytical Services' categories as a guideline. Once assigned to a category by Zions Direct, funds are not reclassified without clear evidence of change in portfolio management policy as reported by Lipper Analytical Services.

No mention or categorization of particular funds or fund families in FundCenter should be interpreted as a recommendation of these investments by Zions Direct.

Not all funds in FundCenter are registered for sale in all states. Consult the prospectus about the availability of specific funds in your state.

Before investing in any mutual fund, you must read, understand and accept the terms of the prospectus. For a copy of the prospectus, which includes changes and expenses, request one online or call 1-800-524-8875. Read it carefully before you invest or send money.

No-Load No-Transaction Fee Mutual Funds - fees and expenses do apply, such as on-going management fees and early redemption fees.

Past performance is no indication of future results, and values fluctuate. Fund historical performance does not promise the same results in the future. Principal value, share prices, and investment returns fluctuate with changes in market conditions. Your investment may be worth more or less than your original cost when you redeem your shares. Please carefully consider the fund's investment objectives, risks, charges and expenses before investing. For this and other information, print the fund's prospectus online. Read it carefully before you invest or send money.