Hypothetical Fees and Expenses Calculator
You can use the following calculator to see a projection of the estimated fees and expenses of a hypothetical investment of $10,000 in an AB mutual fund held for the next 10 years. The projection assumes a 5% return each year. It also assumes that the current annual expense ratio stays the same throughout the 10-year period. If you choose Class A shares, the example reflects an initial sales charge of 4.25% for equity and taxable fixed income funds and and 3.0% for municipal fixed income funds. Prior to October 1, 2009 the maximum sales charge for municipal fixed income funds was 4.25%. If you choose any other class of shares of any Fund, there is no initial sales charge but there may be a conditional deferred sales charge ("CDSC"). Your actual fees and expenses may be higher or lower.

Mutual fund fees and expenses may fluctuate over time and actual expenses may be higher or lower than the estimates shown. You should carefully consider the investment objectives and policies, sales charges, expenses, risks and other matters of importance before investing in any AB mutual fund. For a free copy of any Fund's prospectus, which contains this and other information, visit our literature page or call AB at (800) 227-4618 or your financial advisor. Please read the prospectus carefully before you invest.

AllianceBernstein Investments, Inc., is an affiliate of AllianceBernstein L.P., the manager of the funds, and is a member of FINRA.

Investment Products Offered:
• Are Not FDIC Insured
• May Lose Value
• Are Not Bank Guaranteed

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