Advisor Services: Model Portfolio Program

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Savers Investment Portfolio

Generate income competitive with short-term money market funds and CDs, augmented by capital growth to preserve the purchasing power of assets. Seeks low volatility and steady returns.

Portfolio Composition:
This portfolio consist of a money market fund (10%) to provide income and stability and three bond funds (45%) to provide income. There is an equity fund (10%) that emphasizes dividend paying stocks and low P/E ratios, a growth fund (5%), a small-cap fund (5%), an S&P 500 Index i-Share (5%) and a balanced fund (20%) that contains both bonds and stocks.

Portfolio Manager Comments:
This portfolio is designed to produce steady and consistent returns over time. In the fourth quarter of 2006, an S&P 500 Index i-Share was purchased emphasizing large-cap stocks as a substitute for a large-cap mutual fund. This occurred to avoid incurring capital gains taxes on year end distributions from equity mutual funds.

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