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An overview of the downside risk and average rate of return broken down by investment objective.

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Portfolio Risk/Return Profiles

May 12, 2008

Strategic Allocation Percent in Equities Downside Risk Average Return
(as of 9/30/2007)
Long Term Growth 95% -17.60% 8.9%
Moderate Growth 77% -14.1% 8.4%
Conservative Growth 58% -10.0% 7.6%
Moderate Growth & Income 50% -9.6% 7.3%