I would like to tell you about the Systematic Investment Plan USA, as you want.

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Systematic Investment Plans
High first-year cost.

Long-term investment

No direct mutual fund ownership.

Fees and expenses
Creation and Sales Charge

Mutual Fund Expenses

Custodial and Service Fees

Cancellation and Refund Rights
You can cancel your plan as follows:
45-Day Cancellation Right.
You will receive a notice of your cancellation rights within 60 days after your first investment in the plan.

You can cancel your plan within 45 days of the mailing date of that notice.

If you choose to cancel your plan, you will receive a cash refund equal to
(1) the current value of your investment and
(2) the total sales and creation charge you paid. The current value of your shares may be more or less than your original investment.

18-Month Cancellation Right.
You are also able cancel the plan within 18 months after your first investment in the plan.

If you choose to cancel your plan after the 45-day cancellation period, you will receive a cash refund equal to

(1) the current value of your investment and
(2) the amount of the sales and creation charge you paid that exceeds 15 percent of the total investments you've made in the plan.You should receive a notice of your 18-month cancellation right if you miss
(1) three or more of your monthly investment payments during the first 15 months of the plan or
(2) one or more payments after the first 15 months.

If you cancel your plan after 18 months, you will not be entitled to a refund of any creation and sales charge.

This charge can be up to 50 percent of your periodic investments.

Missed Payments.
The sponsor may terminate your plan if you fail to make investments for a period of 6 or 12 consecutive months.

Depending on the plan, you may be able to avoid termination by making at least one monthly payment during each 6 or 12-month period.

You should read the individual prospectus associated with the plan you intend to purchase to understand the details regarding your specific purchase.