No-Load Mutual Fund Model Portfolio Returns.

Time Frames	Conservative Model	Moderately Conservative Model	Moderate Model	Moderately Aggressive Model	Aggressive Model	DJIA	S&P 500	NASDAQ	Russell 2000	MSCI EAFE	Lehman Brothers Agg Bond
2003	21.01%	28.94%	34.09%	37.73%	38.64%	28.28%	28.68%	29.28%	47.25%	17.41%	4.11%
2004	11.98%	14.01%	15.11%	16.02%	15.89%	5.32%	10.87%	8.59%	18.33%	10.18%	4.34%
2005	9.57%	11.53%	13.66%	14.99%	15.10%	1.72%	4.91%	1.37%	4.55%	25.96%	2.43%
2006	12.18%	14.14%	15.38%	15.63%	15.32%	19.05%	15.79%	9.52%	18.37%	13.81%	4.33%
2007	15.72%	20.67%	21.89%	22.42%	22.50%	8.89%	5.49%	9.81%	-1.57%	11.17%	6.97%
The Month of July '08	-2.65%	-3.49%	-3.92%	-4.65%	-4.38%	-0.84%	-0.84%	1.42%	3.70%	-3.21%	-0.08%
2008 YTD (31 Dec '07 to 31 July '08)	-2.14%	-4.77%	-7.12%	-9.27%	-10.52%	-12.65%	-12.65%	-12.32%	-6.02%	-13.82%	1.04%
Last 12 Months	4.64%	3.42%	0.81%	-1.57%	-2.87%	-11.09%	-11.09%	-8.67%	-6.71%	-12.19%	6.15%
Last 3 Years Annualized Average	9.18%	10.83%	11.28%	11.06%	10.61%	2.85%	2.85%	2.10%	2.92%	10.50%	4.37%
Last 5 Years Annualized Average	11.34%	13.54%	14.66%	15.10%	14.85%	7.03%	7.03%	6.03%	9.75%	15.36%	4.55%
Annual Average Since Inception (31 Dec '02 - Monthly compounding)	11.34%	13.74%	14.95%	15.53%	15.37%	8.16%	8.75%	10.44%	13.17%	16.00%	4.15%
Last 3 Years Cumulative	30.14%	36.12%	37.81%	37.00%	35.31%	8.81%	8.81%	6.44%	9.03%	34.93%	13.71%
Last 5 Years Cumulative	71.13%	88.71%	98.15%	102.02%	99.83%	40.44%	40.44%	34.04%	59.26%	104.26%	24.92%
Cumulative Since Inception (31 Dec '02 - Monthly compounding)	87.78%	114.45%	129.24%	136.63%	134.63%	54.97%	59.72%	74.13%	99.49%	129.03%	25.46%