Move your cursor along the Curved Line left-to-right and note how the pieces of the Pie increase or decrease in size. Each slice of the Pie is an Asset Class, i.e., Large Cap Stocks, Foreign Stocks, Cash, etc. and can be specifically identified by its color as coded to the Asset Class names in the Table below the chart. The Table details the percentage of the total Portfolio that each Asset Class comprises at any given point along the Curved Line.

As you move your cursor from left to right, the Pie Chart depicts an Asset mix of an Investment Portfolio that is appropriately prudent for a specific degree of investment risk. The Model Portfolios available to you are identified by the dots on the curved line. Placing your cursor directly on the a dot will reveal the name of that Model Portfolio

Each Model Portfolios represents varying degrees of investment risk. Their placement on the curved line depicts, relative to one another and to the different Asset Classes, how much risk each Model poses. (The locations of the Asset Classes on the grid also illustrate the degree of investment risk each Asset Class poses relative to one another.) Please be aware that the opportunity to earn incremental increases in return will expose you to exponential increases of risk. By this we mean if Portfolio A hopes to earn 8% and Portfolio B hopes to earn 10%--a 25% increase in return over Portfolio A--Portfolio B might involve a 70% greater degree of investment risk over Portfolio A.

The mix of Assets that would comprise a Model Portfolio as detailed in the chart above is not meant to indicate that at all times the Model will have that specific Asset Class exposure. The Plan's Investment Manager has the discretion to vary each Model Portfolio exposure to various Assets within certain constraints. By selecting from the menu above the name of each Model, you can obtain more information on those constraints and how decisions by the Investment Manager can affect the degree of risk and investment return each model ultimately entails.

The mix of Assets detailed in the table above for each Model Portfolio is the composition of a Policy Index, a hypothetical portfolio whose returns are equal to the performance of index funds (corresponding to each Asset Class) in specific percentages. The Policy Index serves as benchmark to determine how much risk a portfolio might entail and against which performance can be measured.

Even if you have no interest in accessing the allocation services a Model Portfolio offers, a review of its diversification, historic volatility and constraints could prove valuable to the management of your own portfolio.

NO GUARANTEE IS MADE BY THE PLAN SPONSOR OR THE PLAN'S INVESTMENT ADVISOR THAT THE PERFORMANCE OF THE MODEL PORTFOLIOS WILL MEET OR EXCEED THEIR RETURN GOALS OR BENCHMARKS.