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The People Pillar is our evaluation of the NIBCX management team’s experience and ability. We find that high-quality management teams deliver superior performance relative to their benchmarks .*CDSC information: Sales charges of 0.00% are subject to a contingent deferred sales charge (CDSC). For Class A shares unless you are eligible for a waiver, you may be assessed a CDSC of 1% if you redeem any of your shares within 18 months of purchase. For Class C shares a CDSC of 1% on redemptions within 12 months of purchase. **A negative SEC 30-Day Yield .
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