Fund Returns

Daily Prices (NAVs)

Money Market Yields

*Average annual total returns reflect the current maximum front-end sales load for A shares of 4.75% for equity funds and 3.75% for bond funds. A 1% CDSL for C shares is charged on redemptions made within 12 months of purchase. Returns include the effect of reinvesting of distributions, fees, and charges. Year-to-date returns are not annualized and include the effect of reinvestment of distributions.

**Average annual total returns do not reflect a front-end or contingent deferred sales charge, and if reflected, these charges would reduce the performance quoted. Returns include the effect of reinvesting of distributions, fees, and expenses.

*** The most recent International Equity Fund YTD figures have not been released yet.

The performance data quoted represents past performance, and the investment return and principal value of an investment will fluctuate so that investor’s shares, when redeemed, may be worth more or less than their original cost. Current performance may be higher or lower than the performance data quoted. Refer to individual fund pages for the funds’ standardized average annualized returns as of the most recent calendar quarter. Past performance does not guarantee future results.

Investing in small- and mid-cap stocks, international securities, technology companies, and aggressive growth companies may involve additional risks. These risks are described in the fund’s prospectus. High-yield bonds are not suitable for all investors. Investing in high-yield securities involves greater risks of loss than an investment in investment-grade bonds. These risks include increased volatility and default risk. Shares of the Intermediate Government Fund are not issued or guaranteed by the U.S. Treasury or any other government agency. The value of the fund’s investments typically will fall when interest rates rise.

Clients must receive a prospectus prior to investing. Please consider the investment objectives, risks, charges, and expenses of any fund carefully before investing. Download or call Heritage at (800) 421-4184 for a prospectus, which contains this and other important information about the fund. Read the prospectus carefully before you invest. Minimal initial investment in the funds is $1,000. When establishing an automatic investment plan, the initial investment and minimum subsequent investment is $50 per month.

Effective as of the close of business on 12/23/05, Heritage Growth Equity fund merged into Heritage Capital Appreciation Trust, and Heritage Value Equity fund merged into Heritage Growth and Income Trust. Please contact Heritage Client Services at (800) 421-4184, ext. 73550 for more information.

Heritage Fund Distributors, Inc., Member FINRA.