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At T. Rowe Price, we recognize that not all funds are appropriate for all financial goals—which is why we offer a broad range of over 90 no-load funds to address your specific needs. Our mutual funds provide many advantages over individual investments, such as professional management, broad diversification, and a wide range of services.

To incorporate T. Rowe Price funds into your portfolio, select from the funds described below. For detailed information about each fund, including its risks, click on the fund name.

All mutual funds are subject to market risk, including possible loss of principal. Diversification cannot assure a profit or protect against loss in a declining market.

An investment in a money market fund is not insured or guaranteed by the FDIC or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund.

Notwithstanding the preceding statements, T. Rowe Price Money Market Funds are participating in the U.S. Treasury’s Temporary Guarantee Program for Money Market Funds. The Program generally does not guarantee any new investments in the Funds made after September 19, 2008, and is scheduled to expire on April 30, 2009. For more information about the Program’s scope and limitations, please see the Fund’s most recent prospectus as supplemented on December 18, 2008.

Funds are placed in general risk/return categories based on their past performance or, for newer funds, the performance of the types of securities in which they invest. There is no assurance past trends will continue.