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Michael McKeen Fund seeks a high level of current income as is consistent with prudent investment risks from a diversified portfolio primarily of debt securities. Capital appreciation is a secondary objective. The fund invests in individual bonds whose yields and market values fluctuate so that your investment may be worth more or less than its original cost. Bond investments are subject to interest-rate risk such that when interest rates rise, the prices of the bonds, and thus the value of the bond investments, can decline and the investor can lose principal value. Yields and market value will fluctuate in response to changing interest rates and may be affected by the prepayment of mortgage-backed securities. The fund`s investments in foreign securities are subject to currency fluctuation, political climate and economic changes, and risk of loss of principal and interest. All of these factors may result in greater share price volatility
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