PLEASE READ THIS FIRST
               
Asset Allocation and Portfolio Returns
 
Amount Invested      
     
Number of Years    
    Historical Original    
  Percent   Geometric Dollar End  
Index   Allocation*   Average Allocation Value  
MSCI EAFE     8.06%  
           
S&P 500     11.80%  
           
S&P 500 Growth     11.27%  
           
S&P 500 Value     11.98%  
           
Russell 2000     10.92%  
           
Russell 2000 Growth     7.84%  
           
Russell 2000 Value     13.64%  
           
LB Agg     7.35%  
       
       
Portfolio's Annualized Rate of Return  
*Total Must Equal 100.00%    
 
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