MODELS Conservative Model           Moderate Model           Aggressive Model
 t
OPTIONS Managers

Target Allocations

Stable Value

 CDs 4%
Dreyfus Cash Management Fund 10%
Invesco Interest Income 46%
Wellington Core Bonds - separately managed 40%

Value Stock

 CGM Focus - CGMFX 10%
Goldman Sachs Mid Cap Value Instl. - GSMCX 15%
Neuberger Berman Partners -NBPTX 20%
T. Rowe Price Value - PAVLX 20%
JP Morgan Large Cap Value - commingled fund 15%
BGI - Value Index 20%

Equity Index

 BGI - US Equity Index 100%

Growth Stock
Wellington Mid Cap Opportunities - commingled fund 15%
Turner Midcap Growth - TMGFX 15%
Marsico Focus - MFOCX - separately managed 20%
T. Rowe Price Growth Stock -TRSAX 15%
Primecap Odyssey Growth - POGRX 15%
BGI - Growth Index 20%

Intl. Stock

 American Century Intl. Discovery -TWEGX 10%
American Century Intl. Growth - TWIEX 10%
Templeton Instl. Foreign Equity - TFEQX 12%
Oppenheimer Intl. Small Co.- OSMAX 8%
Thornburg Intl. Value - TGVIX 12%
Marsico Intl. Opportunities - MIOFX 12%
Dimensional Emerging Markets Value - DFEVX 8%
Royce Global Value - RIVFX 6%
BGI - EAFE Index

22%

Div. Sm. Co. Stock
Dimensional Micro Cap Portfolio - DFSCX 15%
Royce Opportunity - RYPNX 15%
Third Ave. Sm.Cap Value-TASCX 15%
Brown Capital Management Small Co. Instl. -BCSIX 15%
Morgan Stanley US Small Cap Value Instl. - MPSCX  10%
Buffalo Small Cap - BUFSX 10%
BGI - Small Company Index 20%