For more complete information about any Heritage mutual fund, including the investment objectives, risks, sales charges and expenses, please download or call (800) 421-4184 for a prospectus that contains this and other important information.  Please read the prospectus carefully before you invest or send money.

Heritage Fund Distributors, Inc., Member FINRA.  Investments are not FDIC-insured nor are they deposits of or guaranteed
by a bank or any other entity.  May lose value.

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