APPENDIX B

Samples of Prospectus Disclosure that would be Compliant with the
Institute's Proposed Amendments to Form N-1A

The following samples are divided into two categories: (1) Samples A, B, and C are samples of disclosure that would be compliant with the proposed Instruction to Item 8(a)(2) of Form N-1A, which is set forth in Appendix A and relates to breakpoints generally; and (2) Samples D and E are samples of disclosure relating to letters of intent that may be incorporated in the breakpoint discussion in the prospectus, if applicable.

I. Samples of Prospectus Breakpoint Disclosure

Sample A

Sales charges for Class A Shares
		Sales charge as a % of
Amount of purchase		Offering Price	Net Amt.Invested
	Less than $50,000	4.5	5.5
	$50,000 but less than $100,000	3.5	4.0
	Etc.

You may qualify for a reduced Class A sales charge if you own or are purchasing shares of XYZ mutual funds. To receive the reduced sales charge, at the time of your purchase of XYZ fund shares, you must inform your broker or financial intermediary of any other investments that you, your spouse, or your children under the age of 21 have in the XYZ family of mutual funds. This includes, for example, investments held in a retirement account, an employee benefit plan, or at a broker-dealer or financial intermediary other than the one handling your current purchase. XYZ will credit the combined value (at the current offering price) of all of these eligible accounts holding mutual fund shares to determine whether you qualify for a reduced sales charge on your current purchase. For more information about these reduced sales charges, please visit the Fund's website at www.FUND.com, consult your broker or financial intermediary, or refer to the section entitled "Purchase of Shares" in the Fund's Statement of Additional Information, which is available through your broker or financial intermediary or from the Fund by calling 1-800-555-1212.

Sample B

[CHART]

As indicated in the above chart, investors purchasing Class A shares may, under certain circumstances, which are described below, be entitled to pay reduced sales charges or have them waived in their entirety. To take advantage of these discounts, investors, or their broker-dealer or financial intermediary must notify the Fund at the time of the purchase order whether a quantity discount may apply to the investor's current purchases.

As used in the above chart, the "Amount of purchase" includes the total dollar amount: (1) invested in the Fund's shares either previously or currently by the investor, the investor's spouse, or any of the investor's children who are under age 21, whether such share are held in investment accounts, retirement account, brokerage accounts or otherwise; together with (2) the amount of any shares held by any of these family members in shares of Participating Funds. ("Participating Funds" refers to all retail funds in the ABC family of funds, a list of which is available from your broker-dealer or financial intermediary or on the Fund's website at: www.FUND.com.) For purposes of determining the "Amount of purchase," all such shares will be valued at their current offering price.

Investors should notify their financial intermediary at the time of investment of any of these other investments in order to receive the sales charge discount. For more information about sales charge discounts, see the Fund's website or consult your broker or financial intermediary.

Sample C

[CHART]

To receive a reduction in your Class A initial sales charge, you must let your investment dealer or QRS Funds Service Company know at the time you purchase shares that you qualify for such a reduction. If you do not let your dealer or QRS Funds Service Company know you are eligible for a reduction, you may not receive a sales charge discount to which you are otherwise entitled.

You and members of your immediate family (your spouse and your children under the age of 21) may combine all of your QRS Funds investments, including investments made for trust accounts established by any of you, to reduce your Class A sales charge. You may combine simultaneous purchases of any class of shares of two or more QRS Funds, as well as holdings in QRS variable annuity contracts and variable life insurance policies, to qualify for a reduced Class A sales charge. In addition, you may take into account the current value (or if greater, the amount you invested less any withdrawals) of your existing holdings in any class of QRS Funds, as well as individual holdings in various QRS variable annuity contracts and variable life insurance policies, to determine your class A sales charge. You can only have your sales charge determined on the basis of the amounts you invested if you have adequate documentation of those amounts. [Adequate documentation would include ****.] This information should be provided to your dealer or QRS Fund Service Company at the time of your current purchase in order to take advantage of any sales charge discounts that may be applicable to your purchase.

For more information about sales charge discounts, see the Fund's website at www.FUND.com or consult your broker or financial intermediary.

II. Samples of Prospectus Disclosure Regarding Letters of Intent

Sample D
You can use a letter of intent to qualify for reduced sales charges if you plan to invest at least $50,000 (excluding any reinvestment of dividends and capital gains distributions) in the fund's Class A shares during the next 13 months. A letter of intent is a letter you sign whereby, based upon your representation to purchase at least $50,000 in Fund shares over the next thirteen months, the Fund agrees to provide you the reduced sales charge indicated in the above chart. Completing a letter of intent does not obligate you to purchase additional shares. However, if you do not buy enough shares to qualify for the projected level of sales charges by the end of the 13-month period (or when you sell your shares, if earlier), your sales charges will be recalculated to reflect your actual purchase level. You must pay the additional sales charge within 20 days after you are notified or it will be deducted from your account (or your sales proceeds).

Sample E
You may reduce your Class A sales charges by establishing a Statement of Intention. A Statement of Intention allows you to combine all non-money market fund purchases of all share classes you intend to make over a 13-month period, as well as individual holdings in various QRS variable annuity contracts and variable life insurance policies, to determine the applicable sales charge. At your request, purchases made during the previous 90 days may be included; however, capital appreciation and reinvested dividends and capital gains do not apply toward these combined purchases.