Floating Rate & Dividend Growth Portfolio Series 22

Risks and Other Considerations

1 Cumulative total return measures the terminal value of an investment relative to the initial value of the investment and is expressed as a percentage gain (loss), and does not take into account the length of time over which the investment was held. The terminal value of an investment takes into account both capital appreciation (depreciation) and reinvestment of income and capital distributions into additional units of the trust, except for trusts that do not offer the option of reinvesting distributions into additional units. The terminal value also takes into account maximum allowable sales charges and all applicable expenses of the trust.

2 Average annual total return is the compounded annual return that if constantly earned over the same time period as the investment would have equated to the same terminal value as the investment, and is expressed as an annual percentage gain or loss. The terminal value of an investment takes into account both capital appreciation (depreciation) and reinvestment of income and capital distributions into additional units of the trust, except for trusts that do not offer the option of reinvesting distributions into additional units. The terminal value also takes into account maximum allowable sales charges and all applicable expenses of the trust.

Past performance does not guarantee future results. It is possible to lose money investing in this portfolio. Average annual total return calculations take into account reinvestment of all distributions and payment of the trust's maximum applicable up-front and deferred sales charge. Please refer to each trust's highlight card and prospectus for applicable sales charges and expenses. The value of units will fluctuate with changes in market conditions and units, when redeemed, may be worth more or less than their original cost.

Returns With Transactional Sales Charge reflect the maximum transactional sales charge that would be payable by an investor upon sale or redemption of units at the end of the applicable period(s). The transactional sales charge includes any initial or deferred sales charges other than the creation and development fee. These returns do not reflect any creation and development fee prior to collection (generally the close of the initial offering period). Any creation and development fee is reflected in the returns as of the time of payment by a trust.

Returns Without Transactional Sales Charge do not reflect any transactional sales charge and do not reflect any creation and development fee prior to collection (generally the close of the initial offering period). Any creation and development fee is reflected in the returns as of the time of payment by a trust.

Returns with distributions reinvested assumes distributions are reinvested on the reinvestment date. Product returns will be understated for the period between the distribution Ex-date and Payable-date, if a distribution is expected.

Barclays Capital US Floating Rate Notes: The Barclays Capital U.S. High Yield Floating Rate Notes Index represents the market of U.S. high yield floating rate notes

DJ Select Dividend: The selection of stocks to the Dow Jones U.S. Select Dividend Index is based almost entirely on dividend yield and dividend history. Stocks are also requiredto have an annual average daily dollar trading volume of more than $1.5 million.These criteria help to ensure that the index represents the most widely traded of the market's highest-yielding stocks. This is a total return index.

S&P 500/Citigroup Value Index: We measure value stocks using three factors: the ratios of book value, earnings, and sales to price. S&P Style Indicies divide the complete market capitlaization of each parent index into growth and value segments. Constituents are drawn from the S&P 500.