Which of the following mutual fund fees/expenses are assessed annually? I. operating expenses (expense ratio) II. 12b1 fees III. front-end load IV. back-end load I. and II. only I., II., and III. only II. and IV. only I. only Which of the following mutual fund fees/expenses are assessed annually? I. operating expenses (expense ratio) II. 12b1 fees III. front-end load IV. back-end load I. and II. only I., II., and III. only II. and IV. only I. only