The Oakmark Funds are advised by Harris Associates L.P. an autonomous subsidiary of Natixis Investment Managers, L.P.

Learn more about the principles and philosophy behind our funds at HarrisAssoc.com.

Harris Associates

111 South Wacker Drive, Suite 4600
Chicago, Illinois 60606
312-646-3600

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Our Funds

Average Annual Returns %

(As of 09/30/2024)

Ticker
Fund Name
1 YR.
3 YR.
5 YR.
10 YR.
Incep.
Inception Date
Gross Exp. Ratio %*
Net Exp. Ratio %*
1 YR. 28.39%
3 YR. 10.53%
5 YR. 16.81%
10 YR. 11.94%
12.86%
08/05/1991
Since Incep. 12.86%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.91

Objective

Long-term capital appreciation

Oakmark Fund is a diversified fund that seeks long-term capital appreciation by generally investing in larger capitalization U.S. companies.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$9,483.41 M
  • Assets Under Management$21,559.05 M
  • Active Share
    (vs. S&P 500)
    90.21%
1 YR. 23.42%
3 YR. 7.17%
5 YR. 14.51%
10 YR. 8.47%
11.76%
11/01/1996
Since Incep. 11.76%
Gross Exp. Ratio % ----
Net Exp. Ratio % 1.00

Objective

Long-term capital appreciation

Oakmark Select is a non-diversified fund (about 20 stocks) that seeks long-term capital appreciation by generally investing in mid- and large-cap U.S. companies.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$1,666.17 M
  • Assets Under Management$6,139.51 M
  • Active Share
    (vs. S&P 500)
    94.96%
1 YR. 17.06%
3 YR. 3.32%
5 YR. 8.76%
10 YR. 6.58%
9.36%
08/04/1999
Since Incep. 9.36%
Gross Exp. Ratio % ----
Net Exp. Ratio % 1.13

Objective

Long-term capital appreciation

Oakmark Global invests primarily in a diversified portfolio of common stocks of U.S. and non-U.S. companies. The Fund's all-cap mandate allows investment across the market-cap spectrum.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$547.36 M
  • Assets Under Management$1,129.40 M
  • Active Share
    (vs. MSCI World)
    93.56%
1 YR. 19.51%
3 YR. 2.34%
5 YR. 9.55%
10 YR. 7.15%
7.79%
10/02/2006
Since Incep. 7.79%
Gross Exp. Ratio % ----
Net Exp. Ratio % 1.14

Objective

Long-term capital appreciation

Oakmark Global Select is a non-diversified portfolio of U.S. and non-U.S. common stocks.  Typically the Fund holds about 20 individual securities, with large-cap companies eligible for investment.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$318.56 M
  • Assets Under Management$998.52 M
  • Active Share
    (vs. MSCI World)
    93.76%
1 YR. 13.32%
3 YR. 1.80%
5 YR. 5.83%
10 YR. 4.30%
8.55%
09/30/1992
Since Incep. 8.55%
Gross Exp. Ratio % ----
Net Exp. Ratio % 1.05

Objective

Long-term capital appreciation

Oakmark International invests in a diversified portfolio of common stocks of non-U.S. companies. The Fund generally focuses on mid- and large-cap companies, though small-cap companies are also eligible for investment.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$5,062.66 M
  • Assets Under Management$18,321.43 M
  • Active Share
    (vs. MSCI World ex USA)
    88.34%
1 YR. 21.48%
3 YR. 4.03%
5 YR. 9.41%
10 YR. 6.30%
8.77%
11/01/1995
Since Incep. 8.77%
Gross Exp. Ratio % ----
Net Exp. Ratio % 1.34

Objective

Long-term capital appreciation

Oakmark International Small Cap seeks capital appreciation by investing in small-cap companies located outside the U.S.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$352.49 M
  • Assets Under Management$1,502.43 M
  • Active Share
    (vs. MSCI World ex U.S. Small Cap)
    96.61%
1 YR. 19.78%
3 YR. 4.87%
5 YR. 9.25%
10 YR. 7.30%
9.65%
11/01/1995
Since Incep. 9.65%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.86

Objective

Current income and preservation and growth of capital

Oakmark Equity and Income seeks income and preservation and growth of capital. The Fund is primarily made up of U.S. equity and fixed-income securities.

Information on recent Morningstar category changes for Oakmark Equity and Income is available here.


DISTRIBUTIONS UPDATE: The Oakmark Equity and Income Fund will now distribute income quarterly. Distribution dates are available here.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$4,329.94 M
  • Assets Under Management$6,344.58 M
  • Active Share
    (vs. S&P 500)
    90.07%
1 YR. 13.49%
3 YR. ----
5 YR. ----
10 YR. ----
0.86%
01/28/2022
Since Incep. 0.86%
Gross Exp. Ratio % 1.33
Net Exp. Ratio % 0.74

Objective

Current income and total return

Oakmark Bond invests primarily in a diversified portfolio of bonds and other fixed-income securities.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$34.16 M
  • Assets Under Management$162.52 M
1 YR. 28.63%
3 YR. 10.75%
5 YR. 17.03%
10 YR. ----
13.51%
11/30/2016
Since Incep. 13.51%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.70

Objective

Long-term capital appreciation

Oakmark Fund is a diversified fund that seeks long-term capital appreciation by generally investing in larger capitalization U.S. companies.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$2,599.63 M
  • Assets Under Management$21,559.05 M
  • Active Share
    (vs. S&P 500)
    90.21%
1 YR. 23.56%
3 YR. 7.30%
5 YR. 14.65%
10 YR. ----
9.48%
11/30/2016
Since Incep. 9.48%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.88

Objective

Long-term capital appreciation

Oakmark Select is a non-diversified fund (about 20 stocks) that seeks long-term capital appreciation by generally investing in mid- and large-cap U.S. companies.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$3,190.68 M
  • Assets Under Management$6,139.51 M
  • Active Share
    (vs. S&P 500)
    94.96%
1 YR. 17.28%
3 YR. 3.52%
5 YR. 8.96%
10 YR. ----
8.64%
11/30/2016
Since Incep. 8.64%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.94

Objective

Long-term capital appreciation

Oakmark Global invests primarily in a diversified portfolio of common stocks of U.S. and non-U.S. companies. The Fund's all-cap mandate allows investment across the market-cap spectrum.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$135.85 M
  • Assets Under Management$1,129.40 M
  • Active Share
    (vs. MSCI World)
    93.56%
1 YR. 19.73%
3 YR. 2.52%
5 YR. 9.72%
10 YR. ----
7.91%
11/30/2016
Since Incep. 7.91%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.97

Objective

Long-term capital appreciation

Oakmark Global Select is a non-diversified portfolio of U.S. and non-U.S. common stocks.  Typically the Fund holds about 20 individual securities, with large-cap companies eligible for investment.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$126.42 M
  • Assets Under Management$998.52 M
  • Active Share
    (vs. MSCI World)
    93.76%
1 YR. 13.54%
3 YR. 1.98%
5 YR. 6.00%
10 YR. ----
5.68%
11/30/2016
Since Incep. 5.68%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.88

Objective

Long-term capital appreciation

Oakmark International invests in a diversified portfolio of common stocks of non-U.S. companies. The Fund generally focuses on mid- and large-cap companies, though small-cap companies are also eligible for investment.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$2,386.89 M
  • Assets Under Management$18,321.43 M
  • Active Share
    (vs. MSCI World ex USA)
    88.34%
1 YR. 21.72%
3 YR. 4.20%
5 YR. 9.57%
10 YR. ----
8.11%
11/30/2016
Since Incep. 8.11%
Gross Exp. Ratio % ----
Net Exp. Ratio % 1.18

Objective

Long-term capital appreciation

Oakmark International Small Cap seeks capital appreciation by investing in small-cap companies located outside the U.S.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$164.96 M
  • Assets Under Management$1,502.43 M
  • Active Share
    (vs. MSCI World ex USA Small Cap)
    96.61%
1 YR. 20.06%
3 YR. 5.11%
5 YR. 9.49%
10 YR. ----
8.51%
11/30/2016
Since Incep. 8.51%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.61

Objective

Current income and preservation and growth of capital

Oakmark Equity and Income seeks income and preservation and growth of capital. The Fund is primarily made up of U.S. equity and fixed-income securities.

Information on recent Morningstar category changes for Oakmark Equity and Income is available here.


DISTRIBUTIONS UPDATE: The Oakmark Equity and Income Fund will now distribute income quarterly. Distribution dates are available here.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$573.93 M
  • Assets Under Management$6,344.58 M
  • Active Share
    (vs. S&P 500)
    90.07%
1 YR. 13.67%
3 YR. 0.28%
5 YR. ----
10 YR. ----
1.54%
06/10/2020
Since Incep. 1.54%
Gross Exp. Ratio % 1.12
Net Exp. Ratio % 0.54

Objective

Current income and total return

Oakmark Bond invests primarily in a diversified portfolio of bonds and other fixed-income securities.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$16.67 M
  • Assets Under Management$162.52 M
1 YR. 28.68%
3 YR. 10.78%
5 YR. 17.07%
10 YR. ----
13.55%
11/30/2016
Since Incep. 13.55%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.68

Objective

Long-term capital appreciation

Oakmark Fund is a diversified fund that seeks long-term capital appreciation by generally investing in larger capitalization U.S. companies.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$6,765.43 M
  • Assets Under Management$21,559.05 M
  • Active Share
    (vs. S&P 500)
    90.21%
1 YR. 23.69%
3 YR. 7.40%
5 YR. 14.75%
10 YR. ----
9.56%
11/30/2016
Since Incep. 9.56%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.78

Objective

Long-term capital appreciation

Oakmark Select is a non-diversified fund (about 20 stocks) that seeks long-term capital appreciation by generally investing in mid- and large-cap U.S. companies.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$697.60 M
  • Assets Under Management$6,139.51 M
  • Active Share
    (vs. S&P 500)
    94.96%
1 YR. 17.33%
3 YR. 3.55%
5 YR. 9.00%
10 YR. ----
8.69%
11/30/2016
Since Incep. 8.69%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.90

Objective

Long-term capital appreciation

Oakmark Global invests primarily in a diversified portfolio of common stocks of U.S. and non-U.S. companies. The Fund's all-cap mandate allows investment across the market-cap spectrum.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$333.53 M
  • Assets Under Management$1,129.40 M
  • Active Share
    (vs. MSCI World)
    93.56%
1 YR. 19.86%
3 YR. 2.59%
5 YR. 9.80%
10 YR. ----
7.98%
11/30/2016
Since Incep. 7.98%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.90

Objective

Long-term capital appreciation

Oakmark Global Select is a non-diversified portfolio of U.S. and non-U.S. common stocks.  Typically the Fund holds about 20 individual securities, with large-cap companies eligible for investment.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$427.68 M
  • Assets Under Management$998.52 M
  • Active Share
    (vs. MSCI World)
    93.76%
1 YR. 13.62%
3 YR. 2.05%
5 YR. 6.08%
10 YR. ----
5.76%
11/30/2016
Since Incep. 5.76%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.81

Objective

Long-term capital appreciation

Oakmark International invests in a diversified portfolio of common stocks of non-U.S. companies. The Fund generally focuses on mid- and large-cap companies, though small-cap companies are also eligible for investment.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$8,098.65 M
  • Assets Under Management$18,321.43 M
  • Active Share
    (vs. MSCI World ex USA)
    88.34%
1 YR. 21.88%
3 YR. 4.30%
5 YR. 9.67%
10 YR. ----
8.21%
11/30/2016
Since Incep. 8.21%
Gross Exp. Ratio % ----
Net Exp. Ratio % 1.10

Objective

Long-term capital appreciation

Oakmark International Small Cap seeks capital appreciation by investing in small-cap companies located outside the U.S.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$573.04 M
  • Assets Under Management$1,502.43 M
  • Active Share
    (vs. MSCI World ex USA Small Cap)
    96.61%
1 YR. 20.08%
3 YR. 5.13%
5 YR. 9.51%
10 YR. ----
8.55%
11/30/2016
Since Incep. 8.55%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.59

Objective

Current income and preservation and growth of capital

Oakmark Equity and Income seeks income and preservation and growth of capital. The Fund is primarily made up of U.S. equity and fixed-income securities.

Information on recent Morningstar category changes for Oakmark Equity and Income is available here.


DISTRIBUTIONS UPDATE: The Oakmark Equity and Income Fund will now distribute income quarterly. Distribution dates are available here.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$1,151.68 M
  • Assets Under Management$6,344.58 M
  • Active Share
    (vs. S&P 500)
    90.07%
1 YR. 13.84%
3 YR. 0.30%
5 YR. ----
10 YR. ----
1.58%
06/10/2020
Since Incep. 1.58%
Gross Exp. Ratio % 1.08
Net Exp. Ratio % 0.52

Objective

Current income and total return

Oakmark Bond invests primarily in a diversified portfolio of bonds and other fixed-income securities.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$14.69 M
  • Assets Under Management$162.52 M
1 YR. 28.74%
3 YR. 10.83%
5 YR. ----
10 YR. ----
16.44%
12/15/2020
Since Incep. 16.44%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.63

Objective

Long-term capital appreciation

Oakmark Fund is a diversified fund that seeks long-term capital appreciation by generally investing in larger capitalization U.S. companies.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$2,710.58 M
  • Assets Under Management$21,559.05 M
  • Active Share
    (vs. S&P 500)
    90.21%
1 YR. 23.75%
3 YR. 7.45%
5 YR. ----
10 YR. ----
13.63%
12/15/2020
Since Incep. 13.63%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.74

Objective

Long-term capital appreciation

Oakmark Select is a non-diversified fund (about 20 stocks) that seeks long-term capital appreciation by generally investing in mid- and large-cap U.S. companies.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$585.06 M
  • Assets Under Management$6,139.51 M
  • Active Share
    (vs. S&P 500)
    94.96%
1 YR. 17.37%
3 YR. 3.56%
5 YR. ----
10 YR. ----
7.05%
12/15/2020
Since Incep. 7.05%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.87

Objective

Long-term capital appreciation

Oakmark Global invests primarily in a diversified portfolio of common stocks of U.S. and non-U.S. companies. The Fund's all-cap mandate allows investment across the market-cap spectrum.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$112.65 M
  • Assets Under Management$1,129.40 M
  • Active Share
    (vs. MSCI World)
    93.56%
1 YR. 19.85%
3 YR. 2.64%
5 YR. ----
10 YR. ----
6.76%
12/15/2020
Since Incep. 6.76%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.85

Objective

Long-term capital appreciation

Oakmark Global Select is a non-diversified portfolio of U.S. and non-U.S. common stocks.  Typically the Fund holds about 20 individual securities, with large-cap companies eligible for investment.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$125.86 M
  • Assets Under Management$998.52 M
  • Active Share
    (vs. MSCI World)
    93.76%
1 YR. 13.68%
3 YR. 2.10%
5 YR. ----
10 YR. ----
4.04%
12/15/2020
Since Incep. 4.04%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.75

Objective

Long-term capital appreciation

Oakmark International invests in a diversified portfolio of common stocks of non-U.S. companies. The Fund generally focuses on mid- and large-cap companies, though small-cap companies are also eligible for investment.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$2,773.23 M
  • Assets Under Management$18,321.43 M
  • Active Share
    (vs. MSCI World ex USA)
    88.34%
1 YR. 21.85%
3 YR. 4.31%
5 YR. ----
10 YR. ----
8.37%
12/15/2020
Since Incep. 8.37%
Gross Exp. Ratio % ----
Net Exp. Ratio % 1.07

Objective

Long-term capital appreciation

Oakmark International Small Cap seeks capital appreciation by investing in small-cap companies located outside the U.S.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$411.94 M
  • Assets Under Management$1,502.43 M
  • Active Share
    (vs. MSCI World ex USA Small Cap)
    96.61%
1 YR. 20.07%
3 YR. 5.15%
5 YR. ----
10 YR. ----
8.95%
12/15/2020
Since Incep. 8.95%
Gross Exp. Ratio % ----
Net Exp. Ratio % 0.56

Objective

Current income and preservation and growth of capital

Oakmark Equity and Income seeks income and preservation and growth of capital. The Fund is primarily made up of U.S. equity and fixed-income securities.

Information on recent Morningstar category changes for Oakmark Equity and Income is available here.


DISTRIBUTIONS UPDATE: The Oakmark Equity and Income Fund will now distribute income quarterly. Distribution dates are available here.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$289.02 M
  • Assets Under Management$6,344.58 M
  • Active Share
    (vs. S&P 500)
    90.07%
1 YR. 13.96%
3 YR. 0.39%
5 YR. ----
10 YR. ----
0.76%
12/15/2020
Since Incep. 0.76%
Gross Exp. Ratio % 1.02
Net Exp. Ratio % 0.44

Objective

Current income and total return

Oakmark Bond invests primarily in a diversified portfolio of bonds and other fixed-income securities.

Key Facts (As of 06/30/2024)

  • Share Class Total Net Assets$96.99 M
  • Assets Under Management$162.52 M

*Expense ratios are from the Fund’s most recent prospectus dated January 28, 2024; actual expenses may vary.

The Gross Expense Ratio is the fund’s total annual operating expense ratio before any fee waivers or reimbursements. The Net Expense Ratio is the fund’s total annual operating expense ratio after any fee waivers and reimbursements. When an expense cap has not been exceeded, the gross and net expense ratios and/or yields may be the same.

Past performance is no guarantee of future results. The performance data quoted represents past performance. Current performance may be lower or higher than the performance data quoted. The investment return and principal value vary so that an investor’s shares when redeemed may be worth more or less than the original cost.

Active Share measures the percentage of an equity portfolio that differs from its benchmark. It is calculated using the sum of the absolute value of the differences between the equity weights of the securities in a portfolio and the weights of securities in the portfolio’s benchmark, divided by two. A portfolio identical to its benchmark would have an active share of 0%, whereas the more the portfolio diverges from its benchmark, the larger the active share (maximum = 100%).

The S&P 500 Total Return Index is a float-adjusted, capitalization-weighted index of 500 U.S. large-capitalization stocks representing all major industries. It is a widely recognized index of broad, U.S. equity market performance. Returns reflect the reinvestment of dividends. This index is unmanaged and investors cannot invest directly in this index.

The MSCI World Index (Net) is a free float-adjusted, market capitalization-weighted index that is designed to measure the global equity market performance of developed markets. The index covers approximately 85% of the free float-adjusted market capitalization in each country. This benchmark calculates reinvested dividends net of withholding taxes. This index is unmanaged and investors cannot invest directly in this index.

The MSCI World ex U.S. Index (Net) is a free float-adjusted, market capitalization-weighted index that is designed to measure international developed market equity performance, excluding the U.S. The index covers approximately 85% of the free float-adjusted market capitalization in each country. This benchmark calculates reinvested dividends net of withholding taxes. This index is unmanaged and investors cannot invest directly in this index.

The MSCI World ex U.S. Small Cap Index (Net)  is designed to measure performance of small-cap stocks across 22 of 23 Developed Markets (excluding the United States). The index covers approximately 14% of the free float-adjusted market capitalization in each country. This benchmark calculates reinvested dividends net of withholding taxes. This index is unmanaged and investors cannot invest directly in this index.

The Board of Trustees of the Oakmark Funds declared the following distributions.

Ticker
Fund Name
Ex-Dividend and
Reinvest Date
Income Distribution
Short-Term Capital Gain
Long-Term Capital Gain
Total Distribution

The Board of Trustees of the Oakmark Funds declared the following distributions.

Ticker
Fund Name
Ex-Dividend and
Reinvest Date
Income Distribution
Short-Term Capital Gain
Long-Term Capital Gain
Total Distribution

The Board of Trustees of the Oakmark Funds declared the following distributions.

Ticker
Fund Name
Income Distribution
Short-Term Capital Gain
Long-Term Capital Gain
Total Distribution
% of NAV

These dates may change without prior notice. The dates, types and amounts (both estimated and actual) of the distributions will be communicated at a later date.

Year-End Distribution Dates for 2024

Record Date: December 11, 2024
Ex-Dividend Date: December 12, 2024
Pay Date: December 13, 2024

 

Bond Fund Distribution Dates for October 2024

Record Date:  October 29, 2024
Ex-Dividend Date:  October 30, 2024
Pay Date:  October 31, 2024

Bond Fund distribution dates for 2024 are available here.

 

Equity and Income Fund Distribution Dates for December 2024

Record Date:  December 27, 2024
Ex-Dividend Date:  December 30, 2024
Pay Date:  December 31, 2024

Equity and Income Fund distribution dates for 2024 are available here.

Questions about taxes?

Fund Name
Fact Sheet
Summary Prospectus
Prospectus
Statement of Additional Information (SAI)
Annual Report
Semi-Annual Report
Oakmark Fund
Oakmark Select
Oakmark Global
Oakmark Global Select
Oakmark International
Oakmark International Small Cap
Oakmark Equity and Income
Oakmark Bond
Oakmark Units Financial Square Treasury Solutions Fund

The documents available for download are in Portable Document Format (PDF) and may be viewed with Adobe Acrobat ReaderTM.  Please visit the Adobe website to download Adobe Acrobat ReaderTM free of charge.

You can find historical information, including manager letters, in our quarterly Fund reports. A single report contains all Funds.

Request materials by mail
Year
1st Quarter Report
Semi-Annual Report
3rd Quarter Report
Annual Report
2024
2023
2022
2021
2020
2019
2018
2017

The documents available for download are in Portable Document Format (PDF) and may be viewed with Adobe Acrobat ReaderTM.  Please visit the Adobe website to download Adobe Acrobat ReaderTM free of charge.

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