| The amount of market value for back-end load funds in an investment account that can be
withdrawn free of redemption charges because those funds have remained in the account beyond
the back-end load schedule. Typically, back-end load charges will decline towards 0% at the
end of the schedule, usually 5 to 7 years. For example, back-end load schedule is for 7 years,
$30,000 has been in the account for 5 years and $20,000 has been in the account for more than
7 years, then the BackEndLoadFreeAmount would be $20,000. |