401k Plan Enrollment Kit

Ministry Employees Retirement Plan (MERP) Double Honor Financial, Inc. Barbara Coetzee, Administrator Phone: 888-884-4574 Fax: 877-298-9678 [email protected] www.merpsolutions.com

Retirement Plan Services • McCready and Keene, Inc. www.mcak.com/retirement • Voice Response System and Call Center: 800-442-4015

Retirement Plan Services For Ministry Employees Retirement Plan Important notification about P.O. Box 50460 Ministry Employees Retirement Plan Indianapolis, IN 46250-0460 Dear Employee: Congratulations! You are now eligible to participate in the Ministry Employees' Retirement Plan. Participating is easy! You may enroll by completing the Deferral Election Form and the Beneficiary Designation Form which you can obtain from your Employer or the MERP Solutions website at www.merpsolutions.com. Once you have completed the Deferral Election Form and the first payroll deduction has occurred; your personal access credentials will be established and you will have complete access to your retirement account through the Participant Website or Voice Response System (VRS). Your User ID is your Social Security Number (SSN) and your Password/PIN is the last four digits of your SSN. When using the Internet, VRS and Call Center you will need your access credentials. Participant Website You may access your account anytime via the internet at www.merpsolutions.com by logging in as a participant and using your access credentials. From the website you will be able to view your account, change your deferral rate, realign your investments, create a personal retirement plan statement, and more. Before you start, you may want to view the short Participant Website Demo found on the drop-down menu of the Reference section located on the horizontal toolbar at the top, right of your screen. Voice Response System You may access your information anytime by calling the toll-free VRS at (800) 442-4015, entering your access credentials and following the prompts. Most services that are available to you via the Participant Website are also available to you via the VRS. Call Center Representative You may also access your information between 8 am and 8 pm Eastern Time on business days by calling the toll-free Voice Response System at (800) 442-4015 and then dialing *0 when prompted to speak with a Call Center Representative. Plan Administrator You may also contact Barbara Coetzee at Double Honor Benefits Insurance Services at (888) 884-4574, X116 between 8:00 am and 5:00 pm PST for questions concerning the MERP Retirement Plan and assistance with rollovers and distributions. Sincerely,

Retirement Plan Services

http://www.merpsolutions.com/

http://www.merpsolutions.com/

Ministry Employees Retirement Plan

Plan Highlights

Eligibility All employees must meet the eligibility requirements outlined in the Adopting Employer Elections Agreement. Generally, any employee of an Adopting Employer who has met the age and service requirements may participate in the Plan. Any self-employed Minister shall also be eligible to participate. The Plan does not allow participation by an independent contractor.

Enrollment Period Upon your satisfaction of the eligibility requirements, you may participate in the Plan immediately.

Contributions You are eligible to make either a pre-tax 403(b) salary deferral or an after-tax Roth contribution once you meet the eligibility requirements outlined in the Adopting Employer Elections Agreement. You may increase or decrease the amount of your contributions at anytime. You may stop your contributions at anytime. Any changes made will be effective as quickly as can be administratively accommodated by the payroll.

How Much May I Contribute

You may elect to save from 1% to 100% of your compensation to this Plan (stated in whole percentages only or as a specific dollar amount). An Internal Revenue Service (IRS) dollar limit applies. The current dollar limit is $16,500 for 2010 (this amount is indexed and periodically may increase) each calendar year. You may also qualify for "catch-up" contributions" which may allow you to significantly enhance your retirement savings. There are two different types of catch-up contributions that may apply—the 15-year catch-up and the age-50 catch-up. You may take advantage of both types of catch-up contributions, but the age-50 catch-up can only be utilized after you first maximize the 15-year catch up available to you for a year in which you qualify. If you qualify for the 15-year rule, your Salary deferral under this limit can be as high as $19,500 for 2010, but various factors, such as your years of service with the Employer and prior catch-up contributions, may affect the maximum amount available. If you have 15 years of service with your Adopting Employer and wish to make contributions in excess of $16,500, please contact your Plan Administrator for assistance in determining your maximum amount. The age-50 catch-up contribution is available if you will be age 50 by December 31 of a plan year and are already contributing the maximum allowable deferral to your plan. You are entitled to contribute an additional catch-up contribution. The maximum catch-up contribution is $5,500 for the calendar year 2010. Please see your Plan Administrator for more details.

Employer Contributions

The Plan provides for a discretionary matching contribution and a discretionary profit sharing contribution in an amount to be determined each year by your employer.

Vesting Vesting refers to your 'ownership' of a benefit from the Plan. You are always 100% vested in all accounts.

Withdrawals Funds may be withdrawn from your account for one of the following events:

• Qualified Retirement • Death • Disability • Termination of Employment • Attained age 59½ or older (restricted to one withdrawal per calendar year) • Financial Hardship (limited to pre-tax salary deferral accounts and no earnings) • In-Service Withdrawal at anytime from your Rollover Account (limited to

one withdrawal each calendar year)

Loans Yes, you can apply for a loan by completing an application on the Participant Website. An application fee (currently $130) is charged for each loan application. You are permitted to only have one loan at a time. The minimum amount of a loan is $1,000. The total amount of the loan is limited by rules under the tax laws. In general, a loan is limited to the lesser of one-half of your vested account balance or $50,000. All loans are generally required to be repaid within five years.

How can a participant apply for a loan

You can select Loan Modeling/Request from the options under Plan Services • Loan Modeling Form allows you to model and/or request a loan • Loan Summary located under Account Summary allows you to review your

loan summary such as interest rate, loan balance, next payment date, etc.

Once you have modeled a loan and want to request a loan, you can select the Loan Application button or request a loan application through the Call Center (800) 442-4015. You will be able to complete the Loan Application on line and an automated email will be generated to your Employer notifying that you have requested a loan. You will be able to view your loan packet on line prior to automated email being generated to Employer. Employer will review the loan application and verify your employment status and ability to afford the payment and will approve or decline the loan. Both you and the Employer will be able to track the status of the loan request through the Website or the call center. If loan is approved, you will be notified and a distribution will be requested. If the loan is declined, the Employer has the option to provide an amount that they will approve. You will be notified that your loan request has been declined but that you can re-apply for a loan of the different amount. If you wish to cancel the amount of a loan request, you will be required to cancel your current request and then re-apply for the new amount.

Rollovers/Transfers You are allowed to rollover money into your account at anytime even if you have not met the eligibility requirements to participate in the Plan. This Plan also accepts direct transfers from other 403(b) plans. See your Plan Administrator for rollover details.

Plan Information

Plan Administrator: Barbara Coetzee Double Honor Benefits Insurance P. O. Box 461780 Escondido, CA 92046 (888) 884-4574, Extension 116

Account Assistance And Technical Support

Participant Website: https://www.merpsolutions.com Customer Service Number (800) 442-4015

https://www.merpsolutions.com/

W

7

7

R

Annualized average returns

10.4%

7.3%

4.0%

2.7%

Notes: 20-year historical performance of Small Stock (Russell 2000 Value), Large Stocks (S&P 500); Bonds (LB U.S. Aggregate); Cash(90-day U.S. Treasury Bill); and, Inflation (Consumer Price Index). Past performance is not guaranteed and is not Indicative of future results. Source: Morningstar Principia

Small Stocks

Large Stocks

Bonds

Cash

Inflation

January 1990 December 2000 December 2009

8.2%

$1

$1.70

$2.19

$4.11

$4.84

$7.19

This questionnaire will help you select an investor profile based on your time horizon and comfort level with investing. The total score recommends which of the five risk profiles is most appropriate for you. Answer these questions and total your score at the bottom.

Investor profile questionnaire

Scoring10–19 20–26 27–33 34–40 41–50

Conservative Moderate Balanced Growth Equity growth

1 year 2–4 years 5–7 years 8–10 years 11+ years ScoreI expect to begin withdrawing money from my retirement account in:

1 2 3 4 5

I want a lump sum distribution 2–4 years 5–7 years 8–10 years 11+ years Score

Once I begin withdrawing money from my retirement account, I expect the withdrawals to last:

1 2 3 4 5

Stronglyagree Agree Neutral Disagree

Stronglydisagree Score

I would take money out of my retirement savings to pay for a large, unexpected expense.

1 2 3 4 5

To meet my financial goals, my investments must grow at a high rate of return.

5 4 3 2 1

I prefer investments that are a low risk, even if the returns are lower than the rate of inflation (the rise in prices over time).

1 2 3 4 5

I prefer an investment strategy designed to grow steadily and avoid sharp ups and downs.

1 2 3 4 5

When it comes to investing, protecting the money I have is my highest priority.

1 2 3 4 5

I am unwilling to wait several years to recover from losses I could incur in an extended down market.

1 2 3 4 5

I always choose investments with the highest possible return even if the investments may frequently experience large declines in value because of higher risk.

5 4 3 2 1

If I had $1,000 invested in an account, and its value dropped to $850 after six months, I would move all my money to a more conservative account.

1 2 3 4 5

Transfer your total score to the next pageTOTAL

R-21157 02/27/09

Different investors have different risk tolerances. Much of the difference stems from time horizon. That is, someone with a short investment time horizon is less able to recover from losses. The remainder of the difference is attributable to the individual’s appetite for risk. Volatility can be nerve-wracking for many people, and they are more comfortable when they can avoid it. However, there is a definite relationship between risk and return. Investors need to recognize this risk/return trade-off.

Use your score from the previous page to identify the corresponding profile that may be best suited for your retirement investments.

Investor profile types

Note: These risk profiles are samples only. The proper asset allocation for your situation may differ. In applying any one of the profiles to your individual situation, you also should consider your other assets, income, and investments (including home equity, savings accounts, and other retirement plans), as well as your needs, goals, and aversion to risk. If any of these factors change, you should review your investment allocation.

While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified. An investment made according to asset allocation models neither guarantees a profit nor eliminates the possibility of loss.

Investment Percentage Large-cap stocks 11

Mid-cap stocks 3

Small-cap stocks 0

Foreign stocks 3

World stocks 3

High yield bonds 5

Intermediate-term bonds 13

Short-term bonds 34

Fixed interest/cash 28

Conservative strategyScore 10–19The conservative investment strategy seeks to provide high current income and low long-term capital appreciation.

20% Stocks• 80% Bonds•

Moderate strategyScore 20–26The moderate strategy seeks to provide high current income and moderate long-term capital appreciation.



Mid-cap stocks 5

Small-cap stocks 3

Foreign stocks 8

World stocks 5

High yield bonds 5


Short-term bonds 23


Transfer your score from the previous page here

TOTAL

R-21183 11/05/08

Equity growth strategyScore 41–50An equity growth strategy seeks to provide high long-term capital appreciation.


Balanced strategyScore 27–33The balanced strategy seeks to provide above average capital appreciation and a moderate level of current income.


Growth strategyScore 34–40The growth investment strategy seeks to provide high long-term capital appreciation with low current income.



Mid-cap stocks 12

Small-cap stocks 11

Foreign stocks 21

World stocks 17

High yield bonds 0


Short-term bonds 0



Mid-cap stocks 9

Small-cap stocks 8

Foreign stocks 16

World stocks 14

High yield bonds 0


Short-term bonds 11



Mid-cap stocks 6

Small-cap stocks 5

Foreign stocks 13

World stocks 8

High yield bonds 4


Short-term bonds 15


Note: These risk profiles are samples only. The proper asset allocation for your situation may differ. In applying any one of the profiles to your individual situation, you also should consider your other assets, income, and investments (including home equity, savings accounts, and other retirement plans), as well as your needs, goals, and aversion to risk. If any of these factors change, you should review your investment allocation.

While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified. An investment made according to asset allocation models neither guarantees a profit nor eliminates the possibility of loss.

R-21183 11/05/08

Vanguard Target Retirement 2010 Inv

Fund Overview as of 06/30/2011

Management Company

Vanguard

Po Box 2600

V26

Valley Forge, PA 19482

800-522-5555

Ticker

Std Min Investment

Month End NAV (06/30/2011)

Sub-Advisor

VTENX

None

$1,000.00

$23.29

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities

Avg 12 Month Turnover

Kelly

5 Yr(s)

06/07/2006

Multi Strategy

5,060.7 Million

6

19%

Expense Ratio 0.17%

Cumulative (%) Annualized (%)

Since

Incept.

Quarter

to Date 10 Year5 Year3 Year1 Year

Year

to Date

1

Month

-0.85 1.44 4.39 17.41 5.13 5.31 n/a n/aFund Total Return

-0.88 1.36 4.06 15.94 4.62 4.64 n/a n/aBenchmark

Vanguard Target Retirement 2010 Inv S&P Target Date 2010

Fund Performance Analysis as of 06/30/2011

-4%

0%

4%

8%

12%

16%

20%

The performance information contained herein represents past performance. Past performance does

not guarantee future results. The investment return and principal value of an investment will

fluctuate so that your investment, when redeemed, may be worth more or less than their

performance data quoted. Current performance may be higher or lower than the performance shown

here. The most recent month-end performance information for the Fund may be obtained by

contacting the mutual fund company at 800-522-5555.

Risk Analysis (3 Year) as of 06/30/2011

Statistics measured against the fund's broad based index: S&P Target Date 2010

Alpha measures a manager's

contribution to performance due to

security selection or market timing to

the relative broad based index.

Beta measures a porfol io's

sensitivity to market movements in

the broad based index.

R-squared is a measure that indicates

the extent to which fluctuations in

portfolio returns are correlated with

those of the broad based index.

Standard deviation is a measure of risk

that gauges the variability of actual returns

from their expected values and the

dispersion of these variations over time.

Alpha: Beta: R-Squared: Std Dev: 0.12 1.11 0.98 12.72

Quarterly Performance Analysis (3 Year) as of 06/30/2011

-10.63Vanguard Target Retirement 2010 Inv -6.32 -5.22 10.55 10.51 3.05 3.36 -4.15 7.58 4.55 2.91 1.44

-8.36S&P Target Date 2010 -5.22 -5.59 7.82 9.70 2.63 3.00 -3.66 6.97 4.17 2.66 1.36

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11

Best 3 Month Performance over last 3 Years Worst 3 Month Performance over last 3 Years

2Q10

Growth of $10,000 Investment as of 06/30/2011

0K2K4K6K8K

10K12K14K

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11


$12,951.95

S&P Target Date 2010

$12,545.56

Asset Allocation as of 03/31/2011

49.30%

47.03%

2.41%

1.27%

Fixed

Equity

Cash

Other

Sectors By Percent** as of 03/31/2011

Financials

Information Technology

Energy

Industrials

Consumer Discretionary

Healthcare

Consumer Staples

Materials

Utilities

Telecommunications

Tax Free

18.32%

14.98%

11.85%

11.74%

10.83%

9.62%

8.66%

7.02%

3.51%

3.47%

0.95%

** Sector weightings based on Industry Classification Benchmark Industries

Top 10 Holdings as of 03/31/2011

Holding Name Percent of TNA

Vanguard Total Bond Market II Idx Inv 40.63%

Vanguard Total Stock Mkt Idx Inv 33.12%

MT MFESP Total Intl Stock Mkt Index 14.39%

Vanguard Inflation-Protected Secs Inv 11.29%

Vanguard Prime Money Market Inv 0.51%

CMT Market Liquidity Rate 0.07%

Percent of Assets in Top Holdings 100.01%

You should consider the investment objectives, risks, charges and expenses of the Fund carefully before

investing. This and other information is contained in the Fund's Prospectus, which can be obtained by

contacting the mutual fund company at 800-522-5555. You should read the Prospectus carefully before

choosing a Fund.

SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.



Management Company

Vanguard

Po Box 2600

V26


800-522-5555

Ticker

Std Min Investment


Sub-Advisor

VTXVX

None

$1,000.00

$12.98

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Kelly

8 Yr(s)

10/27/2003

Multi Strategy

14,686.3 Million

5

19%

Expense Ratio 0.16%


Since

Incept.

Quarter


Year

to Date

1

Month


-1.06 1.16 4.44 19.16 4.74 4.66 n/a n/aBenchmark



-4%

0%

4%

8%

12%

16%

20%



























-10.72S&P Target Date 2015 -6.22 -6.63 9.49 11.36 3.19 3.48 -5.27 8.22 5.43 3.25 1.16

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K

1Q05

1Q06

1Q07

1Q08

1Q09

1Q10

1Q11


$13,776.24


$13,436.26


57.80%

39.01%

1.87%

1.32%

Equity

Fixed

Cash

Other


Financials


Energy

Industrials


Healthcare

Consumer Staples

Materials

Utilities

Telecommunications

Tax Free

18.32%

14.98%

11.86%

11.76%

10.84%

9.63%

8.66%

7.01%

3.50%

3.46%

1.47%







Vanguard Inflation-Protected Secs Inv 1.63%






choosing a Fund.




Management Company

Vanguard

Po Box 2600

V26


800-522-5555

Ticker

Std Min Investment


Sub-Advisor

VTWNX

None

$1,000.00

$23.13

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Kelly

5 Yr(s)

06/07/2006

Multi Strategy

12,052.8 Million

4

14%

Expense Ratio 0.17%


Since

Incept.

Quarter


Year

to Date

1

Month


-1.20 1.00 4.79 22.02 4.72 4.58 n/a n/aBenchmark



-4%0%4%8%

12%16%20%24%
























Alpha: Beta: R-Squared: Std Dev:-0.14 1.05 0.99 16.03



-12.94S&P Target Date 2020 -7.08 -7.65 11.14 12.74 3.66 3.89 -6.65 9.31 6.53 3.75 1.00

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11


$12,628.16


$12,509.08


65.70%

31.44%

1.64%

1.21%

Equity

Fixed

Cash

Other


Financials


Energy

Industrials


Healthcare

Consumer Staples

Materials

Utilities

Telecommunications

Tax Free

12.03%

9.84%

7.79%

7.72%

7.12%

6.32%

5.69%

4.60%

2.30%

2.27%

0.23%












choosing a Fund.




Management Company

Vanguard

Po Box 2600

V26


800-522-5555

Ticker

Std Min Investment


Sub-Advisor

VTTVX

None

$1,000.00

$13.23

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Kelly

8 Yr(s)

10/27/2003

Multi Strategy

16,805.7 Million

4

11%

Expense Ratio 0.18%


Since

Incept.

Quarter


Year

to Date

1

Month


-1.32 0.86 5.07 24.45 4.60 4.45 n/a n/aBenchmark



-4%0%4%8%

12%16%20%24%28%



























-14.90S&P Target Date 2025 -7.84 -8.58 12.69 13.85 4.03 4.23 -7.80 10.22 7.46 4.18 0.86

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K

1Q05

1Q06

1Q07

1Q08

1Q09

1Q10

1Q11


$13,564.43


$13,571.84


73.16%

24.39%

1.37%

1.07%

Equity

Fixed

Cash

Other


Financials


Energy

Industrials


Healthcare

Consumer Staples

Materials

Utilities

Telecommunications

Tax Free

13.39%

10.97%

8.67%

8.59%

7.93%

7.04%

6.34%

5.11%

2.56%

2.52%

0.19%












choosing a Fund.




Management Company

Vanguard

Po Box 2600

V26


800-522-5555

Ticker

Std Min Investment


Sub-Advisor

VTHRX

None

$1,000.00

$22.78

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Kelly

5 Yr(s)

06/07/2006

Multi Strategy

9,174.0 Million

4

9%

Expense Ratio 0.18%


Since

Incept.

Quarter


Year

to Date

1

Month


-1.43 0.72 5.27 26.41 4.33 4.23 n/a n/aBenchmark



-4%0%4%8%

12%16%20%24%28%



























-16.77S&P Target Date 2030 -8.51 -9.51 14.27 14.70 4.31 4.49 -8.74 10.97 8.21 4.52 0.72

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11


$12,262.48


$12,301.15


80.53%

17.34%

1.08%

1.05%

Equity

Fixed

Cash

Other


Financials


Energy

Industrials


Healthcare

Consumer Staples

Materials

Utilities

Telecommunications

Tax Free

14.75%

12.03%

9.72%

9.54%

8.68%

7.72%

6.87%

5.51%

2.78%

2.77%

0.13%





Vanguard Total Intl Stock Index Inv 24.41%







choosing a Fund.




Management Company

Vanguard

Po Box 2600

V26


800-522-5555

Ticker

Std Min Investment


Sub-Advisor

VTTHX

None

$1,000.00

$13.78

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Kelly

8 Yr(s)

10/27/2003

Multi Strategy

11,711.3 Million

4

6%

Expense Ratio 0.19%


Since

Incept.

Quarter


Year

to Date

1

Month


-1.49 0.62 5.43 27.93 4.05 4.01 n/a n/aBenchmark



-4%0%4%8%

12%16%20%24%28%32%



























-18.29S&P Target Date 2035 -9.04 -10.23 15.56 15.28 4.52 4.67 -9.44 11.54 8.79 4.78 0.62

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K

1Q05

1Q06

1Q07

1Q08

1Q09

1Q10

1Q11


$13,587.69


$13,456.46


88.00%

10.38%

0.83%

0.79%

Equity

Fixed

Cash

Other


Financials


Energy

Industrials


Healthcare

Consumer Staples

Materials

Utilities

Telecommunications

Tax Free

16.09%

13.21%

10.43%

10.34%

9.54%

8.48%

7.62%

6.14%

3.08%

3.03%

0.08%












choosing a Fund.




Management Company

Vanguard

Po Box 2600

V26


800-522-5555

Ticker

Std Min Investment


Sub-Advisor

VFORX

None

$1,000.00

$22.64

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Kelly

5 Yr(s)

06/07/2006

Multi Strategy

5,610.4 Million

4

7%

Expense Ratio 0.19%


Since

Incept.

Quarter


Year

to Date

1

Month


-1.53 0.55 5.53 28.98 3.91 3.91 n/a n/aBenchmark



-4%0%4%8%

12%16%20%24%28%32%



























-19.18S&P Target Date 2040 -9.49 -10.52 16.35 15.62 4.65 4.77 -9.90 11.95 9.18 4.95 0.55

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11


$12,236.22


$12,115.71


89.09%

9.34%

0.79%

0.77%

Equity

Fixed

Cash

Other


Financials


Energy

Industrials


Healthcare

Consumer Staples

Materials

Utilities

Telecommunications

Tax Free

16.29%

13.37%

10.56%

10.46%

9.65%

8.58%

7.72%

6.22%

3.12%

3.07%

0.07%












choosing a Fund.




Management Company

Vanguard

Po Box 2600

V26


800-522-5555

Ticker

Std Min Investment


Sub-Advisor

VTIVX

None

$1,000.00

$14.22

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Kelly

8 Yr(s)

10/27/2003

Multi Strategy

6,471.5 Million

4

6%

Expense Ratio 0.19%


Since

Incept.

Quarter


Year

to Date

1

Month


-1.56 0.51 5.57 29.56 3.59 3.69 n/a n/aBenchmark

Vanguard Target Retirement 2045 Inv S&P Target Date 2045+


-5%0%5%

10%15%20%25%30%








Statistics measured against the fund's broad based index: S&P Target Date 2045+



















-20.17S&P Target Date 2045+ -9.76 -10.95 17.15 15.74 4.69 4.81 -10.11 12.19 9.38 5.04 0.51

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K

1Q05

1Q06

1Q07

1Q08

1Q09

1Q10

1Q11


$13,807.56

S&P Target Date 2045+

$13,350.43


89.10%

9.34%

0.79%

0.76%

Equity

Fixed

Cash

Other


Financials


Energy

Industrials


Healthcare

Consumer Staples

Materials

Utilities

Telecommunications

Tax Free

16.29%

13.38%

10.57%

10.46%

9.66%

8.59%

7.72%

6.21%

3.12%

3.07%

0.07%












choosing a Fund.




Management Company

Vanguard

Po Box 2600

V26


800-522-5555

Ticker

Std Min Investment


Sub-Advisor

VFIFX

None

$1,000.00

$22.53

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Kelly

5 Yr(s)

06/07/2006

Multi Strategy

2,347.6 Million

4

10%

Expense Ratio 0.19%


Since

Incept.

Quarter


Year

to Date

1

Month


-1.56 0.51 5.57 29.56 3.59 3.69 n/a n/aBenchmark

Vanguard Target Retirement 2050 Inv S&P Target Date 2045+


-5%0%5%

10%15%20%25%30%








Statistics measured against the fund's broad based index: S&P Target Date 2045+



















-20.17S&P Target Date 2045+ -9.76 -10.95 17.15 15.74 4.69 4.81 -10.11 12.19 9.38 5.04 0.51

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11


$12,232.51

S&P Target Date 2045+

$11,986.34


89.02%

9.37%

0.84%

0.77%

Equity

Fixed

Cash

Other


Financials


Energy

Industrials


Healthcare

Consumer Staples

Materials

Utilities

Telecommunications

Tax Free

16.28%

13.35%

10.55%

10.46%

9.65%

8.57%

7.71%

6.22%

3.12%

3.07%

0.07%












choosing a Fund.


American Funds Money Market R6


Management Company

American Funds

American Funds

4 Embarcadero Center P.O. Box 7650

San Francisco, CA 94120

800-421-0180

Ticker

Std Min Investment


Sub-Advisor

RAFXX

None

$0.00

$1.00

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Management Team

2 Yr(s)

05/01/2009

Money Market

67.7 Million

47

Expense Ratio 0.34%


Since

Incept.

Quarter


Year

to Date

1

Month

0.00 0.00 0.00 0.00 n/a n/a n/a n/aFund Total Return

0.01 0.04 0.09 0.16 0.42 2.00 2.13 n/aBenchmark

American Funds Money Market R6 T-Bills - 3 Month


0.0%

0.4%

0.8%

1.2%

1.6%

2.0%

2.4%







Risk Analysis (3 Year) Statistics measured against the fund's broad based index: T-Bills - 3 Month
















Alpha: Beta: R-Squared: Std Dev:


American Funds Money Market R6 n/a n/a n/a n/a n/a n/a n/a n/a

T-Bills - 3 Month 0.010.07 0.04 0.04 0.04 0.04 0.05 0.04

3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 1Q11


2Q11


0K

2K

4K

6K

8K

10K

12K

2Q09

2Q10

2Q11

American Funds Money Market R6

$10,000.00

T-Bills - 3 Month

$10,031.75


100.00%Cash

Sectors By Percent**

Data is currently not available


Top 10 Holdings






choosing a Fund.


DFA Short-Term Government I


Management Company

Dimensional Fund Advisors

DFA Investment Dimensions Group Inc

1299 Ocean Ave Ste 650 11th FL

Santa Monica, CA 90401

310-633-7885

Ticker

Std Min Investment


Sub-Advisor

DFFGX

None

$0.00

$10.88

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

10 Yr(s)

06/01/1987

US Fixed Income

1,210.7 Million

22

64%

Expense Ratio 0.21%


Since

Incept.

Quarter


Year

to Date

1

Month

-0.12 1.55 1.59 2.61 5.56 4.68 4.75 n/aFund Total Return

0.02 0.84 0.85 1.34 2.85 4.17 3.63 n/aBenchmark

DFA Short-Term Government I Barclays 1-3 Year Treasury


-1%0%1%2%3%4%5%6%








Statistics measured against the fund's broad based index: Barclays 1-3 Year Treasury


















DFA Short-Term Government I -0.452.50 6.59 0.01 -0.03 1.54 -0.06 1.02 2.37 1.46 0.04 1.55

Barclays 1-3 Year Treasury -0.151.70 2.75 0.14 -0.14 0.78 0.03 0.70 1.20 0.64 0.02 0.84

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K16K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

DFA Short-Term Government I

$15,902.46

Barclays 1-3 Year Treasury

$14,285.25


98.85%

1.15%

Fixed

Cash



FHLBA 5.5% 11.68%

FHLBA 1.75% 10.61%

FHLBA 1.875% 10.54%

FHLBA 5.25% 9.82%

FHLBA 1.5% 9.38%

FHLBA 4.625% 6.37%

FFCB 2.625% 5.59%

FHLBA 3.625% 5.20%

FHLBA 2.875% 4.15%

FHLBA 5.125% 3.95%


Quality Analysis as of 04/30/2011

AAA Bonds 100.00%




choosing a Fund.


Fidelity GNMA Fund


Management Company

Fidelity Investments


82 Devonshire St

Boston, MA 02109

877-208-0098

Ticker

Std Min Investment


Sub-Advisor

FGMNX

FIL Investments (Japan) Limited

$2,500.00

$11.67

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Castagliuolo/Irving

4 Yr(s)

11/08/1985

US Fixed Income

7,956.7 Million

174

540%

Expense Ratio 0.45%


Since

Incept.

Quarter


Year

to Date

1

Month

0.03 2.97 3.46 4.90 7.52 7.26 5.67 n/aFund Total Return

-0.09 2.17 2.65 3.99 6.27 6.39 5.52 n/aBenchmark

Fidelity GNMA Fund Barclays Intermediate Aggregate


-1%0%1%2%3%4%5%6%7%8%








Statistics measured against the fund's broad based index: Barclays Intermediate Aggregate


















Fidelity GNMA Fund 0.151.24 3.73 2.74 0.74 2.65 0.63 1.92 3.54 1.24 0.48 2.97

Barclays Intermediate Aggregate -0.75-0.13 3.58 0.91 1.68 3.21 0.53 1.81 2.92 2.07 0.48 2.17

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K16K18K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

Fidelity GNMA Fund

$17,351.08

Barclays Intermediate Aggregate

$17,121.09


95.68%

4.32%

Fixed

Cash



GNMA 4.5% 29.23%

GNMA 5% 22.20%

GNMA 5.5% 11.27%

GNMA 4% 6.80%

GNMA 6% 6.53%

GNMA 3.5% 1.86%

Fannie Mae 3.5% 15 Year 1.10%

GNMA CMO 4.25% 1.09%

Ginnie Mae 4% 15 Year 0.96%

Ginnie Mae 5.391% 30 Year 0.90%



AAA Bonds 100.00%




choosing a Fund.


Vanguard Long-Term Treasury Inv


Management Company

Vanguard

Po Box 2600

V26


800-522-5555

Ticker

Std Min Investment


Sub-Advisor

VUSTX

None

$3,000.00

$11.10

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Glocke

10 Yr(s)

05/19/1986

US Fixed Income

1,226.4 Million

32

52%

Expense Ratio 0.22%


Since

Incept.

Quarter


Year

to Date

1

Month

-2.00 3.29 2.11 -1.68 5.60 6.93 6.65 n/aFund Total Return

-1.32 3.42 3.21 1.66 6.92 7.76 7.03 n/aBenchmark

Vanguard Long-Term Treasury Inv Barclays 10-20 Year Treasury


-2%

0%

2%

4%

6%

8%








Statistics measured against the fund's broad based index: Barclays 10-20 Year Treasury


















Vanguard Long-Term Treasury Inv -8.252.39 17.57 -4.63 -6.88 4.53 -5.26 0.90 12.11 4.95 -1.15 3.29

Barclays 10-20 Year Treasury -6.642.32 14.84 -2.45 -6.05 4.02 -3.63 1.66 9.54 5.51 -0.20 3.42

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

4K

8K

12K

16K

20K

24K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

Vanguard Long-Term Treasury Inv

$19,036.60

Barclays 10-20 Year Treasury

$19,735.88


86.83%

12.47%

0.70%

Fixed

Cash

Other



US Treasury Bond 6.25% 12.91%






FNMA 3.62%

FNMA 3.61%





AAA Bonds 100.00%




choosing a Fund.


PIMCO Long-Term US Government Instl


Management Company

PIMCO

Pacific Investment Management Company

840 Newport Center Drive

Newport Beach, CA 92660

800-387-4626

Ticker

Std Min Investment


Sub-Advisor

PGOVX

None

$1,000,000.00

$10.67

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Rodosky

4 Yr(s)

07/01/1991

US Fixed Income

1,233.1 Million

386

363%

Expense Ratio 0.48%


Since

Incept.

Quarter


Year

to Date

1

Month


-0.29 2.29 2.72 3.90 6.46 6.52 5.75 n/aBenchmark

PIMCO Long-Term US Government Instl Barclays Aggregate


-2%

0%

2%

4%

6%

8%

10%








Statistics measured against the fund's broad based index: Barclays Aggregate


















PIMCO Long-Term US Government Instl -7.74-1.46 13.59 -1.81 -2.40 6.83 -4.36 2.19 12.12 6.04 -0.51 3.64

Barclays Aggregate -1.30-0.49 4.58 0.12 1.78 3.74 0.20 1.78 3.49 2.48 0.42 2.29

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

4K

8K

12K

16K

20K

24K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

PIMCO Long-Term US Government Instl

$20,702.05

Barclays Aggregate

$17,482.95


114.60%

-0.33%

-14.27%

Fixed

Other

Cash






US Treasury Bond 8% 3.51%

U S Treas Bd Stripped Prin Pmt 3.20%

FHLMC 5.625% 2.44%

U S Treas Sec Stripped Int Pmt 2.40%



U S Treas Sec Stripped Int Pmt 1.77%



AAA Bonds

AA Bonds

A Bonds

BB Bonds

B Bonds

94.00%

1.00%

3.00%

1.00%

1.00%




choosing a Fund.


Steward Select Bond Inst


Management Company

Capstone

Capstone Series Fund Inc

5847 San Felipe Suite 4100

Houston, TX 77057

800-262-3208

Ticker

Std Min Investment


Sub-Advisor

SEACX

None

$100,000.00

$25.04

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Potter/Cody

4 Yr(s)

10/01/2004

US Fixed Income

130.6 Million

145

42%

Expense Ratio 0.63%


Since

Incept.

Quarter


Year

to Date

1

Month


-0.29 2.29 2.72 3.90 6.46 6.52 5.75 n/aBenchmark

Steward Select Bond Inst Barclays Aggregate


-1%0%1%2%3%4%5%6%7%


























Steward Select Bond Inst -0.730.06 3.10 0.43 2.08 2.46 0.65 1.57 2.42 1.84 0.09 1.54


3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K

4Q04

4Q05

4Q06

4Q07

4Q08

4Q09

4Q10

Steward Select Bond Inst

$12,963.77

Barclays Aggregate

$13,947.04


96.88%

3.12%

Fixed

Cash



GNMA CMO 4.5% 2.71%

FNMA 1.625% 2.46%

US Treasury Note 4.25% 2.37%





FNMA FRN 1.94%

FHLMC 1.15% 1.80%

FHLBA 4.75% 1.58%



AAA Bonds

AA Bonds

A Bonds

BBB Bonds

Not Rated Bonds

53.50%

5.00%

10.80%

3.80%

26.90%




choosing a Fund.


Vanguard Inflation-Protected Secs Inv


Management Company

Vanguard

Po Box 2600

V26


800-522-5555

Ticker

Std Min Investment


Sub-Advisor

VIPSX

None

$3,000.00

$13.42

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Volpert/Hollyer

11 Yr(s)

06/29/2000

US Fixed Income

13,971.1 Million

32

29%

Expense Ratio 0.22%


Since

Incept.

Quarter


Year

to Date

1

Month


0.81 3.66 5.81 7.74 5.28 6.91 6.95 n/aBenchmark

Vanguard Inflation-Protected Secs Inv Barclays US TIPS


0%1%2%3%4%5%6%7%8%








Statistics measured against the fund's broad based index: Barclays US TIPS


















-3.89Vanguard Inflation-Protected Secs Inv -3.88 5.25 0.25 3.05 1.91 0.36 3.90 2.57 -0.74 1.85 3.40

-3.54Barclays US TIPS -3.48 5.52 0.66 3.08 1.76 0.56 3.82 2.48 -0.65 2.08 3.66

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

4K

8K

12K

16K

20K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

Vanguard Inflation-Protected Secs Inv

$19,104.16

Barclays US TIPS

$19,584.85


99.95%

0.05%

Fixed

Cash



US Treasury Note 2% 6.04%












AAA Bonds 100.00%




choosing a Fund.


DFA Intermediate Govt Fixed-Income I


Management Company





310-633-7885

Ticker

Std Min Investment


Sub-Advisor

DFIGX

None

$0.00

$12.41

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Clark/Plecha

10 Yr(s)

10/19/1990

US Fixed Income

2,211.3 Million

108

7%

Expense Ratio 0.13%


Since

Incept.

Quarter


Year

to Date

1

Month


-0.09 2.17 2.65 3.99 6.27 6.39 5.52 n/aBenchmark

DFA Intermediate Govt Fixed-Income I Barclays Intermediate Aggregate


-1%0%1%2%3%4%5%6%7%8%








Statistics measured against the fund's broad based index: Barclays Intermediate Aggregate


















DFA Intermediate Govt Fixed-Income I -2.361.60 9.29 -1.40 -1.05 2.43 -0.66 1.70 4.47 3.07 0.02 2.42

Barclays Intermediate Aggregate -0.75-0.13 3.58 0.91 1.68 3.21 0.53 1.81 2.92 2.07 0.48 2.17

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

4K

8K

12K

16K

20K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

DFA Intermediate Govt Fixed-Income I

$18,355.99

Barclays Intermediate Aggregate

$17,121.09


98.26%

1.13%

0.61%

Fixed

Cash

Other





FHLBA 5.375% 2.74%

FHLBA 5.25% 2.69%

FFCB 5.22% 2.58%


FHLBA 5.375% 2.42%

Tennessee Valley Auth 4.5% 2.34%

FHLBA 5% 2.16%

FHLBA 4.875% 2.10%



AAA Bonds 100.00%




choosing a Fund.


Vanguard GNMA Inv


Management Company

Vanguard

Po Box 2600

V26


800-522-5555

Ticker

Std Min Investment


Sub-Advisor

VFIIX

Wellington Management Company, LLP

$3,000.00

$10.92

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Garrett

1 Yr(s)

06/27/1980

US Fixed Income

14,208.5 Million

29101

386%

Expense Ratio 0.23%


Since

Incept.

Quarter


Year

to Date

1

Month


0.25 2.88 3.52 4.91 7.22 7.15 5.81 n/aBenchmark

Vanguard GNMA Inv Barclays GNMA


0%1%2%3%4%5%6%7%8%








Statistics measured against the fund's broad based index: Barclays GNMA


















Vanguard GNMA Inv 0.381.68 3.97 1.98 0.50 2.30 0.41 1.94 3.43 1.05 0.61 2.68

Barclays GNMA 0.311.73 4.12 2.12 2.50 0.36 1.89 3.31 1.02 0.32 0.62 2.88

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K16K18K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

Vanguard GNMA Inv

$17,512.68

Barclays GNMA

$17,593.65


88.09%

11.79%

0.12%

Fixed

Cash

Other



Gnma I 30yr 4.5 Tba Apr 10.75%

Gnma I 30yr 4.0 Tba Apr 5.92%

GNMA 5% 1.86%

GNMA 1.72%

FHLMC 3.5% 1.46%

Gnma Ii 30yr Tba Apr 1.02%

GNMA 5% 1.01%

GNMA 0.96%

GNMA 0.80%

GNMA 5% 0.69%



AAA Bonds

Not Rated Bonds

99.26%

0.74%




choosing a Fund.


DFA Inflation-Protected Securities I


Management Company





310-633-7885

Ticker

Std Min Investment


Sub-Advisor

DIPSX

None

$0.00

$11.72

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Clark/Plecha

3 Yr(s)

09/18/2006

US Fixed Income

1,757.3 Million

20

12%

Expense Ratio 0.13%


Since

Incept.

Quarter


Year

to Date

1

Month

0.88 4.13 6.29 8.37 5.53 n/a n/a n/aFund Total Return

-0.29 2.29 2.72 3.90 6.46 6.52 5.75 n/aBenchmark

DFA Inflation-Protected Securities I Barclays Aggregate


-2%

0%

2%

4%

6%

8%

10%


























-4.00DFA Inflation-Protected Securities I -2.87 5.14 0.00 3.36 2.16 0.51 4.23 2.95 -0.97 2.07 4.13


3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K

3Q06

3Q07

3Q08

3Q09

3Q10

DFA Inflation-Protected Securities I

$13,699.05

Barclays Aggregate

$13,212.39


99.44%

0.56%

Fixed

Cash















AAA Bonds 100.00%




choosing a Fund.


PIMCO Real Return Instl


Management Company

PIMCO

Pacific Investment Management Company

840 Newport Center Drive

Newport Beach, CA 92660

800-387-4626

Ticker

Std Min Investment


Sub-Advisor

PRRIX

None

$1,000,000.00

$11.67

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Worah

4 Yr(s)

01/29/1997

US Fixed Income

8,156.4 Million

1034

174%

Expense Ratio 0.45%


Since

Incept.

Quarter


Year

to Date

1

Month


0.81 3.66 5.81 7.74 5.28 6.91 6.95 n/aBenchmark

PIMCO Real Return Instl Barclays US TIPS


0%1%2%3%4%5%6%7%8%








Statistics measured against the fund's broad based index: Barclays US TIPS


















-5.76PIMCO Real Return Instl -5.13 6.13 4.01 5.45 2.21 1.26 3.86 3.52 -0.96 1.88 3.29

-3.54Barclays US TIPS -3.48 5.52 0.66 3.08 1.76 0.56 3.82 2.48 -0.65 2.08 3.66

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

4K

8K

12K

16K

20K

24K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

PIMCO Real Return Instl

$20,364.52

Barclays US TIPS

$19,584.85


108.90%

3.18%

0.15%

-12.22%

Fixed

Other

Equity

Cash















AAA Bonds

AA Bonds

A Bonds

BB Bonds

B Bonds

Below B Bonds

90.00%

3.00%

4.00%

1.00%

1.00%

1.00%




choosing a Fund.


American Funds American Hi Inc Tr R6


Management Company

American Funds

American Funds



800-421-0180

Ticker

Std Min Investment


Sub-Advisor

RITGX

None

$0.00

$11.40

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

10 Yr(s)

05/01/2009

US Fixed Income

129.3 Million

773

47%

Expense Ratio 0.39%


Since

Incept.

Quarter


Year

to Date

1

Month

-0.80 0.97 4.87 15.99 n/a n/a n/a n/aFund Total Return

-0.97 1.05 4.97 15.63 12.68 9.30 8.99 n/aBenchmark

American Funds American Hi Inc Tr R6 Barclays US Corporate High Yield


-2%0%2%4%6%8%

10%12%14%16%







Risk Analysis (3 Year) Statistics measured against the fund's broad based index: Barclays US Corporate High Yield


















American Funds American Hi Inc Tr R6 -0.6514.73 5.40 4.93 6.57 3.80 3.86 0.97

Barclays US Corporate High Yield -0.1114.22 6.19 4.62 6.71 3.22 3.88 1.05

3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 1Q11


2Q11


0K2K4K6K8K

10K12K14K16K

2Q09

2Q10

2Q11

American Funds American Hi Inc Tr R6

$14,622.06

Barclays US Corporate High Yield

$14,658.09


85.95%

7.89%

4.26%

1.91%

Fixed

Cash

Other

Equity



First Data 144A 12.625% 1.17%

Nextel Comms 7.375% 1.02%

Cricket Comms 7.75% 0.88%

Lightsquared Tl-B Pik 12.0% 10-01-14 0.87%

Vwr Fdg 10.25% 0.83%

Realogy Corp Tl-A 2nd Lien 13.5% 10-15-17 0.79%

Wind Acquisition Fin Sa 144A 11.75% 0.76%

Cit Grp 7% 0.74%

Elan Fin Plc / Elan Fin 8.75% 0.72%

Cardinal Health 409 9.5% 0.70%



AAA Bonds

A Bonds

BBB Bonds

BB Bonds

B Bonds

Below B Bonds

Not Rated Bonds

8.04%

0.58%

5.33%

17.33%

36.66%

28.33%

3.73%




choosing a Fund.


AllianceBern Global Bond Adv


Management Company

AllianceBernstein

AllianceBernstein

1345 Avenue Of The Americas

New York, NY 10105

800-446-6670

Ticker

Std Min Investment


Sub-Advisor

ANAYX

None

$0.00

$8.40

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

9 Yr(s)

11/05/2007

Global Fixed Income

617.6 Million

360

69%

Expense Ratio 0.60%


Since

Incept.

Quarter


Year

to Date

1

Month

-0.25 2.16 2.48 6.04 7.91 n/a n/a n/aFund Total Return

0.08 3.10 4.38 10.51 6.04 7.10 7.41 n/aBenchmark

AllianceBern Global Bond Adv Barclays Global Aggregate


-2%0%2%4%6%8%

10%12%








Statistics measured against the fund's broad based index: Barclays Global Aggregate


















-5.50AllianceBern Global Bond Adv -4.98 0.29 11.53 8.90 2.17 3.74 2.21 4.04 -0.54 0.31 2.16

-3.83Barclays Global Aggregate 5.26 -3.25 4.93 6.23 -0.85 -0.27 -0.04 7.30 -1.33 1.24 3.10

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K

4Q07

4Q08

4Q09

4Q10

AllianceBern Global Bond Adv

$12,516.53

Barclays Global Aggregate

$12,344.17


97.64%

1.73%

0.63%

Fixed

Other

Cash


Tax Free 3.62%




Netherlands (Kingdom of) 4% 4.77%

Germany (Federal Republic Of) 3.5% 4.73%

United Kingdom (Government Of) 4% 4.20%

United Kingdom (Government Of) 5% 3.00%

France(Govt Of) 5% 2.99%

New Zealand(Govt) 6% 2.49%

Canada Hsg Tr No 1 2.95% 2.44%

France(Govt Of) 3.25% 2.30%


Sth Africa(Rep Of) 8.25% 1.85%





choosing a Fund.


DFA Five-Year Global Fixed-Income I


Management Company





310-633-7885

Ticker

Std Min Investment


Sub-Advisor

DFGBX

None

$0.00

$11.18

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

10 Yr(s)

11/06/1990

Global Fixed Income

4,962.5 Million

132

73%

Expense Ratio 0.28%


Since

Incept.

Quarter


Year

to Date

1

Month


0.08 3.10 4.38 10.51 6.04 7.10 7.41 n/aBenchmark

DFA Five-Year Global Fixed-Income I Barclays Global Aggregate


0%

2%

4%

6%

8%

10%

12%


























DFA Five-Year Global Fixed-Income I -1.690.07 3.66 0.09 1.43 2.41 0.22 1.83 2.01 3.12 0.28 2.47


3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

4K

8K

12K

16K

20K

24K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

DFA Five-Year Global Fixed-Income I

$15,749.57


$20,447.50


99.56%

0.91%

-0.47%

Fixed

Cash

Other






Wal Mart Stores 1.5% 2.52%

Ned Waterschapsbk 3% 2.52%

United Kingdom (Government Of) 2.75% 2.47%

Natl Australia Bk 5.375% 2.45%

FHLMC 2.875% 2.37%

Suncorp-Metway 4% 2.37%

Landwirtschaftliche Rentenbank 3.125% 2.31%

FNMA 5% 2.28%

Toyota Mtr Crd Corp Mtn Be 2.8% 2.21%

Bnp Paribas / Bnp Paribas Us 3.25% 2.20%





choosing a Fund.


American Funds Capital World Bond R6


Management Company

American Funds

American Funds



800-421-0180

Ticker

Std Min Investment


Sub-Advisor

RCWGX

None

$0.00

$20.98

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

15 Yr(s)

09/01/1987

Global Fixed Income

289.3 Million

1079

80%

Expense Ratio 0.54%


Since

Incept.

Quarter


Year

to Date

1

Month


0.08 3.10 4.38 10.51 6.04 7.10 7.41 n/aBenchmark

American Funds Capital World Bond R6 Barclays Global Aggregate


-2%0%2%4%6%8%

10%12%


























-5.51American Funds Capital World Bond R6 2.26 -3.61 6.84 7.56 0.11 1.33 -1.46 8.08 -1.49 1.65 2.96


3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

4K

8K

12K

16K

20K

24K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

American Funds Capital World Bond R6

$22,260.21


$20,447.50


92.51%

7.33%

0.15%

0.02%

Fixed

Cash

Other

Equity


Tax Free 5.99%




Japan(Govt Of) 1.3% 2.73%

Poland(Rep Of) 5.75% 2.28%

Sweden(Kingdom Of) 4.5% 1.57%

Poland(Rep Of) 5.25% 1.54%



Germany (Federal Republic Of) 4% 1.36%



Japan(Govt Of) 0.7% 0.88%





choosing a Fund.


American Funds Inc Fund of Amer R6


Management Company

American Funds

American Funds



800-421-0180

Ticker

Std Min Investment


Sub-Advisor

RIDGX

None

$0.00

$17.24

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

15 Yr(s)

01/01/1971

Multi Strategy

746.5 Million

1514

35%

Expense Ratio 0.33%


Since

Incept.

Quarter


Year

to Date

1

Month


-1.12 0.98 4.72 19.57 5.11 4.76 4.27 n/aBenchmark

American Funds Inc Fund of Amer R6 60% S&P 500/ 40% BCI Aggregate


-4%0%4%8%

12%16%20%24%








Statistics measured against the fund's broad based index: 60% S&P 500/ 40% BCI Aggregate


















-15.41American Funds Inc Fund of Amer R6 -7.45 -8.03 12.27 14.21 5.70 3.14 -6.27 10.58 5.03 5.14 1.16

-11.8560% S&P 500/ 40% BCI Aggregate -5.22 -6.46 10.18 10.77 3.71 4.02 -5.59 7.86 5.85 3.70 0.98

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

4K

8K

12K

16K

20K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

American Funds Inc Fund of Amer R6

$18,551.13

60% S&P 500/ 40% BCI Aggregate

$15,188.32


63.44%

29.20%

5.16%

2.20%

Equity

Fixed

Cash

Other


IndustrialsConvertibleFinancials

EnergyConsumer Staples

HealthcareConsumer Discretionary

TelecommunicationsUtilities

MaterialsInformation Technology

Tax Free

15.48%14.21%

12.42%12.15%

10.61%9.66%9.44%9.44%

8.73%6.07%6.00%

2.19%




Verizon Communications Inc 2.65%

Home Depot, Inc. 1.92%

Chevron Corporation 1.90%

Bristol-Myers Squibb Company 1.78%

Merck & Co, Inc. 1.74%

Waste Management, Inc. 1.57%

E.I. du Pont de Nemours & Company 1.41%

Philip Morris International, Inc. 1.37%

General Electric Company 1.29%

Duke Energy Corporation 1.12%





choosing a Fund.


American Funds Capital Inc Bldr R6


Management Company

American Funds

American Funds



800-421-0180

Ticker

Std Min Investment


Sub-Advisor

RIRGX

None

$0.00

$51.72

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

11 Yr(s)

08/01/1987

Multi Strategy

674.5 Million

1221

42%

Expense Ratio 0.32%


Since

Incept.

Quarter


Year

to Date

1

Month


-1.03 1.14 4.36 19.87 3.48 4.45 5.09 n/aBenchmark

American Funds Capital Inc Bldr R6 60% Russell Developed Large Cap/40%

BCI Int Gov Credit


-4%0%4%8%

12%16%20%24%








Statistics measured against the fund's broad based index: 60% Russell Developed Large Cap/40% BCI Int Gov Credit


















-14.27American Funds Capital Inc Bldr R6 -11.53 -8.51 13.20 12.44 3.77 1.16 -7.11 11.91 3.63 3.33 2.30

-11.8260% Russell Developed Large Cap/40% BCI Int Gov Cr -9.84 -6.95 13.20 11.95 2.62 2.77 -6.52 9.52 4.88 3.18 1.14

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

4K

8K

12K

16K

20K

24K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

American Funds Capital Inc Bldr R6

$19,997.34

60% Russell Developed Large Cap/40% BCI

Int Gov Credit

$16,435.17


73.27%

21.14%

5.25%

0.34%

Equity

Fixed

Cash

Other


Consumer StaplesTelecommunications

FinancialsUtilitiesEnergy

HealthcareInformation Technology

IndustrialsConsumer Discretionary

MaterialsConvertible

Tax Free

18.12%14.72%

14.30%12.08%

10.62%8.88%

7.87%5.38%

4.71%3.32%

0.98%0.39%





AT&T, Inc. 2.88%

Altria Group Inc. 2.20%

ConocoPhillips 1.78%

Royal Dutch Shell PLC B 1.74%

GDF Suez 1.52%

Novartis AG 1.45%

Kraft Foods, Inc. 1.36%

Scottish and Southern Energy PLC 1.23%

Merck & Co, Inc. 1.11%





choosing a Fund.


American Funds American Balanced R6


Management Company

American Funds

American Funds



800-421-0180

Ticker

Std Min Investment


Sub-Advisor

RLBGX

None

$0.00

$18.66

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

7 Yr(s)

02/01/1933

Multi Strategy

1,408.8 Million

716

37%

Expense Ratio 0.30%


Since

Incept.

Quarter


Year

to Date

1

Month


-1.12 0.98 4.72 19.57 5.11 4.76 4.27 n/aBenchmark

American Funds American Balanced R6 60% S&P 500/ 40% BCI Aggregate


-4%0%4%8%

12%16%20%24%








Statistics measured against the fund's broad based index: 60% S&P 500/ 40% BCI Aggregate


















-14.46American Funds American Balanced R6 -5.12 -6.94 11.73 11.24 4.87 4.29 -6.77 9.35 6.65 4.66 0.68

-11.8560% S&P 500/ 40% BCI Aggregate -5.22 -6.46 10.18 10.77 3.71 4.02 -5.59 7.86 5.85 3.70 0.98

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K16K18K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

American Funds American Balanced R6

$16,920.38

60% S&P 500/ 40% BCI Aggregate

$15,188.32


64.31%

27.02%

8.57%

0.10%

Equity

Fixed

Cash

Other


Financials

Energy

Industrials


Healthcare


Consumer Staples

Materials

Telecommunications

Utilities

Tax Free

17.69%

13.84%

13.63%

13.32%

11.09%

10.06%

8.78%

7.60%

2.38%

1.60%

0.76%





Wells Fargo Company 2.54%


Goldman Sachs Group, Inc. 1.70%


Royal Dutch Shell PLC ADR B 1.66%

Berkshire Hathaway Inc A 1.37%

Oracle Corporation 1.34%

American Express Company 1.32%

Amazon.com, Inc. 1.27%





choosing a Fund.


American Funds Growth Fund of Amer R6


Management Company

American Funds

American Funds



800-421-0180

Ticker

Std Min Investment


Sub-Advisor

RGAGX

None

$0.00

$31.89

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

12 Yr(s)

12/01/1973

US Equity

10,674.2 Million

439

33%

Expense Ratio 0.34%


Since

Incept.

Quarter


Year

to Date

1

Month

-1.63 -0.59 4.76 28.06 1.29 3.04 3.96 n/aFund Total Return

-1.43 0.76 6.83 35.01 5.01 5.33 2.24 n/aBenchmark

American Funds Growth Fund of Amer R6 Russell 1000 Growth


-5%0%5%

10%15%20%25%30%35%40%








Statistics measured against the fund's broad based index: Russell 1000 Growth


















-23.11American Funds Growth Fund of Amer R6 -15.04 -4.00 16.79 13.45 5.95 4.28 -11.61 10.80 10.32 5.39 -0.59

-22.79Russell 1000 Growth -12.33 -4.12 16.32 13.97 7.94 4.65 -11.75 13.00 11.83 6.03 0.76

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K16K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

American Funds Growth Fund of Amer

R6

$14,738.84

Russell 1000 Growth

$12,478.89


93.92%

5.55%

0.40%

0.13%

Equity

Cash

Fixed

Other




Energy

Healthcare

Financials

Industrials

Materials

Consumer Staples

Telecommunications

Utilities

23.00%

16.79%

13.82%

10.66%

10.63%

8.76%

7.90%

6.19%

1.93%

0.33%




Oracle Corporation 2.70%

Apple, Inc. 2.35%

Google, Inc. 1.94%

Apache Corporation 1.60%

Schlumberger, Ltd. 1.56%

Microsoft Corporation 1.53%



Union Pacific Corporation 1.35%

EMC Corporation 1.24%





choosing a Fund.


DFA US Social Core Equity 2


Management Company





310-633-7885

Ticker

Std Min Investment


Sub-Advisor

DFUEX

None

$0.00

$9.13

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Clark

2 Yr(s)

10/01/2007

US Equity

193.4 Million

2346

13%

Expense Ratio 0.33%


Since

Incept.

Quarter


Year

to Date

1

Month

-1.89 -1.78 6.39 36.00 4.89 n/a n/a n/aFund Total Return

-2.09 0.42 8.08 38.47 6.46 5.30 7.59 n/aBenchmark

DFA US Social Core Equity 2 Russell Midcap


-5%0%5%

10%15%20%25%30%35%40%








Statistics measured against the fund's broad based index: Russell Midcap


















-25.96DFA US Social Core Equity 2 -7.75 -12.91 19.22 19.43 4.57 8.01 -11.30 11.46 14.69 8.32 -1.78

-27.27Russell Midcap -12.91 -8.98 20.80 20.62 5.92 8.67 -9.88 13.31 13.07 7.63 0.42

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

2K

4K

6K

8K

10K

12K

4Q07

4Q08

4Q09

4Q10

DFA US Social Core Equity 2

$10,450.53

Russell Midcap

$11,152.77


99.25%

0.73%

0.01%

Equity

Cash

Other


Financials


Energy


Industrials

Materials

Healthcare

Telecommunications

Consumer Staples

Utilities

19.33%

15.41%

14.96%

14.90%

13.64%

5.99%

4.45%

4.43%

4.35%

2.53%




AT&T, Inc. 2.13%


Exxon Mobil Corporation 1.59%

JPMorgan Chase & Co 1.29%

Verizon Communications Inc 1.20%

ConocoPhillips 1.17%

Bank of America Corp DE 1.07%

Walt Disney Company 0.89%

General Electric Co 0.83%

Wells Fargo & Co 0.81%





choosing a Fund.


Schwab Small Cap Index


Management Company

Schwab Funds

Schwab Annuity Portfolios

101 Montgomery Street


888-311-4889

Ticker

Std Min Investment


Sub-Advisor

SWSSX

None

$100.00

$22.70

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Toll/Mano

5 Yr(s)

05/20/1997

US Equity

1,682.6 Million

960

33%

Expense Ratio 0.19%


Since

Incept.

Quarter


Year

to Date

1

Month


-2.31 -1.61 6.21 37.41 7.77 4.08 6.27 n/aBenchmark

Schwab Small Cap Index Russell 2000


-5%0%5%

10%15%20%25%30%35%40%








Statistics measured against the fund's broad based index: Russell 2000


















-26.86Schwab Small Cap Index -1.69 -15.06 25.57 21.41 4.79 9.77 -10.10 11.65 15.57 8.24 -0.66

-26.12Russell 2000 -1.11 -14.95 20.69 19.28 3.87 8.85 -9.92 11.29 16.25 7.94 -1.61

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

4K

8K

12K

16K

20K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

Schwab Small Cap Index

$18,432.65

Russell 2000

$18,363.81


97.02%

2.98%

Equity

Cash


Financials


Industrials


Healthcare

Energy

Materials

Consumer Staples

Utilities

Telecommunications

19.59%

18.70%

17.14%

14.47%

11.25%

7.02%

4.98%

3.06%

2.81%

0.98%




Russell 2000 Mini Index Ftrs Mar11 Icus 2.88%

Brigham Exploration Company 0.38%

Popular Inc 0.33%

Deckers Outdoor Corporation 0.31%

American Capital Ltd 0.31%

Amerigroup Corporation 0.30%

Ares Capital Corporation BDC 0.29%

Hill-Rom Holdings, Inc. 0.29%

Dana Holding Corp 0.28%

World Fuel Services Corporation 0.28%





choosing a Fund.


Principal SmallCap S&P 600 Index Inst


Management Company

Principal Funds

Principal

711 High Street

Des Moines, IA 50392

800-852-4450

Ticker

Std Min Investment


Sub-Advisor

PSSIX

Principal Global Investors, LLC

$0.00

$16.97

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Kruchten

0 Yr(s)

03/01/2001

US Equity

136.3 Million

609

30%

Expense Ratio 0.20%


Since

Incept.

Quarter


Year

to Date

1

Month


-2.31 -1.61 6.21 37.41 7.77 4.08 6.27 n/aBenchmark

Principal SmallCap S&P 600 Index Inst Russell 2000


-5%0%5%

10%15%20%25%30%35%40%


























-25.21Principal SmallCap S&P 600 Index Inst -0.87 -16.68 20.85 18.62 5.07 8.28 -8.74 9.58 16.16 7.66 -0.24

-26.12Russell 2000 -1.11 -14.95 20.69 19.28 3.87 8.85 -9.92 11.29 16.25 7.94 -1.61

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

4K

8K

12K

16K

20K

24K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

Principal SmallCap S&P 600 Index Inst

$20,708.90

Russell 2000

$18,363.81


99.81%

0.19%

Equity

Cash


Financials


Industrials


Healthcare

Energy

Materials

Consumer Staples

Utilities

Telecommunications

18.86%

18.51%

15.38%

14.23%

12.61%

4.68%

4.65%

3.87%

3.74%

0.65%




Russell 2000 Mini Jun11 2.64%

iShares S&P SmallCap 600 Index 1.17%

Regeneron Pharmaceuticals, Inc. 0.82%

Amerigroup Corporation 0.65%

Healthspring, Inc. 0.53%

Lufkin Industries, Inc. 0.52%

Holly Corporation 0.51%

Biomed Realty Trust, Inc. 0.50%

World Fuel Services Corporation 0.47%

Mid-America Apartment Communities 0.45%





choosing a Fund.


Steward Small-Mid Cap Enhanced Idx Inst


Management Company

Capstone



Houston, TX 77057

800-262-3208

Ticker

Std Min Investment


Sub-Advisor

SCECX

None

$100,000.00

$13.50

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Wolf

13 Yr(s)

04/03/2006

US Equity

58.6 Million

976

24%

Expense Ratio 0.51%


Since

Incept.

Quarter


Year

to Date

1

Month

-1.96 -0.37 7.91 39.47 10.81 5.67 n/a n/aFund Total Return

-2.31 -1.61 6.21 37.41 7.77 4.08 6.27 n/aBenchmark

Steward Small-Mid Cap Enhanced Idx Inst Russell 2000


-5%0%5%

10%15%20%25%30%35%40%


























-27.15Steward Small-Mid Cap Enhanced Idx Inst -4.59 -13.33 28.88 23.85 2.91 10.01 -10.37 11.95 15.45 8.31 -0.37

-26.12Russell 2000 -1.11 -14.95 20.69 19.28 3.87 8.85 -9.92 11.29 16.25 7.94 -1.61

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

Steward Small-Mid Cap Enhanced Idx

Inst

$13,174.92

Russell 2000

$12,214.70


99.64%

0.36%

Equity

Cash




Financials

Industrials

Healthcare

Materials

Energy

Utilities

Consumer Staples

Telecommunications

20.18%

18.01%

15.92%

14.13%

13.14%

5.31%

5.07%

4.00%

3.52%

0.71%




Joy Global, Inc. 0.49%

Edwards Lifesciences Corporation 0.47%

Bucyrus International, Inc. A 0.45%

Chipotle Mexican Grill, Inc. A 0.40%

Riverbed Technology, Inc. 0.37%

Skyworks Solutions, Inc. 0.37%

Fifth Third Instl Government MMkt Instl 0.34%

Lubrizol Corporation 0.34%

Cree, Inc. 0.33%

Perrigo Company 0.32%





choosing a Fund.


Columbia Mid Cap Index Z


Management Company

Columbia

Columbia

One Financial Center

Boston, MA 02111

800-345-6611

Ticker

Std Min Investment


Sub-Advisor

NMPAX

None

$2,000.00

$12.18

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Alley, III

2 Yr(s)

03/31/2000

US Equity

2,515.8 Million

404

10%

Expense Ratio 0.25%


Since

Incept.

Quarter


Year

to Date

1

Month


-2.04 -0.73 8.56 39.38 7.82 6.60 7.94 n/aBenchmark

Columbia Mid Cap Index Z S&P MidCap 400


-5%0%5%

10%15%20%25%30%35%40%








Statistics measured against the fund's broad based index: S&P MidCap 400


















-25.45Columbia Mid Cap Index Z -10.89 -8.65 18.62 19.89 5.50 9.09 -9.69 13.08 13.49 9.29 -0.81

-25.55S&P MidCap 400 -10.87 -8.66 18.75 19.98 5.56 9.09 -9.59 13.12 13.50 9.36 -0.73

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

4K

8K

12K

16K

20K

24K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

Columbia Mid Cap Index Z

$21,104.13

S&P MidCap 400

$21,469.29


97.74%

2.26%

Equity

Cash


Financials


Industrials


Healthcare

Energy

Materials

Utilities

Consumer Staples

Telecommunications

19.53%

16.22%

15.66%

13.07%

11.25%

7.44%

6.88%

5.49%

3.96%

0.51%




S+p Midcap 400 Emini Idx Ftrs Jun11 Xiom 1.70%

Vertex Pharmaceuticals 0.87%

Cimarex Energy Company 0.73%

BorgWarner, Inc. 0.67%

Lubrizol Corporation 0.67%

Green Mountain Coffee Roasters, Inc. 0.60%

Pride International, Inc. 0.60%

Perrigo Company 0.58%

Bucyrus International, Inc. A 0.58%

Ametek, Inc. 0.57%





choosing a Fund.


Steward Large Cap Enhanced Index Inst


Management Company

Capstone



Houston, TX 77057

800-262-3208

Ticker

Std Min Investment


Sub-Advisor

SEECX

None

$100,000.00

$27.55

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Wolf

7 Yr(s)

10/01/2004

US Equity

151.4 Million

472

22%

Expense Ratio 0.51%


Since

Incept.

Quarter


Year

to Date

1

Month


-1.67 0.10 6.02 30.69 3.34 2.94 2.72 n/aBenchmark

Steward Large Cap Enhanced Index Inst S&P 500


-5%0%5%

10%15%20%25%30%35%








Statistics measured against the fund's broad based index: S&P 500


















-24.07Steward Large Cap Enhanced Index Inst -8.34 -11.05 20.86 20.05 6.20 6.81 -11.63 12.52 11.63 6.42 0.62

-21.94S&P 500 -8.37 -11.01 15.93 15.61 6.04 5.39 -11.43 11.29 10.76 5.92 0.10

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K

4Q04

4Q05

4Q06

4Q07

4Q08

4Q09

4Q10

Steward Large Cap Enhanced Index Inst

$13,494.06

S&P 500

$12,456.81


99.85%

0.15%

Equity

Cash



Financials


Energy

Healthcare

Industrials

Consumer Staples

Utilities

Materials

Telecommunications

20.08%

14.95%

13.15%

11.08%

10.77%

9.21%

9.09%

5.20%

3.91%

2.56%




ExxonMobil Corporation 2.12%

Apple, Inc. 2.04%



International Business Machines Corp 1.17%

JP Morgan Chase & Co 1.04%

Google, Inc. 1.03%


Procter & Gamble Company 0.97%

Bank of America Corp 0.95%





choosing a Fund.


Vanguard 500 Index Investor


Management Company

Vanguard

Po Box 2600

V26


800-522-5555

Ticker

Std Min Investment


Sub-Advisor

VFINX

None

$3,000.00

$121.65

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Buek

20 Yr(s)

08/31/1976

US Equity

30,461.6 Million

514

5%

Expense Ratio 0.17%


Since

Incept.

Quarter


Year

to Date

1

Month


-1.67 0.10 6.02 30.69 3.34 2.94 2.72 n/aBenchmark

Vanguard 500 Index Investor S&P 500


-5%0%5%

10%15%20%25%30%35%


























-21.94Vanguard 500 Index Investor -8.36 -11.01 15.97 15.59 6.03 5.35 -11.45 11.26 10.71 5.88 0.07

-21.94S&P 500 -8.37 -11.01 15.93 15.61 6.04 5.39 -11.43 11.29 10.76 5.92 0.10

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

Vanguard 500 Index Investor

$12,947.69

S&P 500

$13,076.10


99.84%

0.16%

Equity

Cash



Financials

Energy

Industrials

Healthcare


Consumer Staples

Materials

Utilities

Telecommunications

18.08%

15.78%

13.26%

11.37%

11.06%

10.33%

10.21%

3.70%

3.19%

3.04%




ExxonMobil Corporation 3.45%

Apple, Inc. 2.65%





JP Morgan Chase & Co 1.52%

AT&T, Inc. 1.49%

Procter & Gamble Company 1.43%

Wells Fargo Company 1.38%





choosing a Fund.


Steward Intl Enhanced Index Inst


Management Company

Capstone



Houston, TX 77057

800-262-3208

Ticker

Std Min Investment


Sub-Advisor

SNTCX

None

$100,000.00

$23.62

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Wolf

5 Yr(s)

03/16/2006

International Equity

85.0 Million

185

25%

Expense Ratio 0.65%


Since

Incept.

Quarter


Year

to Date

1

Month

-1.21 -1.50 2.81 28.27 -2.37 2.37 n/a n/aFund Total Return

-1.26 1.59 5.33 31.33 -1.33 1.89 5.97 n/aBenchmark

Steward Intl Enhanced Index Inst Russell Developed ex North America Large

Cap


-5%0%5%

10%15%20%25%30%35%








Statistics measured against the fund's broad based index: Russell Developed ex North America Large Cap


















-24.18Steward Intl Enhanced Index Inst -20.20 -10.72 26.12 19.15 4.14 0.26 -14.41 16.29 7.28 4.38 -1.50

-20.78Russell Developed ex North America Large Cap -20.57 -13.52 25.88 20.14 2.25 1.00 -13.93 16.87 6.68 3.68 1.59

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K

1Q06

1Q07

1Q08

1Q09

1Q10

1Q11

Steward Intl Enhanced Index Inst

$11,300.72

Russell Developed ex North America Large

Cap

$11,064.98


99.66%

0.34%

Equity

Cash


Financials

Energy

Materials

Telecommunications



Industrials

Utilities

Consumer Staples

Healthcare

25.19%

20.43%

14.78%

13.07%

7.91%

6.09%

5.14%

3.13%

2.44%

1.83%




HSBC Holdings PLC ADR 2.85%

Vodafone Group PLC ADR 2.32%

BHP Billiton Limited ADR 2.18%

BP Plc ADR 2.13%

Total SA ADR 2.12%

Petroleo Brasileiro SA Petrobras ADR 1.95%

Royal Dutch Shell PLC ADR A 1.92%

Vale S.A. ADR 1.82%

Taiwan Semiconductor Manufacturing ADR 1.80%

America Movil S.A.B. de C.V. ADR L 1.78%





choosing a Fund.


DFA Emerging Markets Social Core Equity


Management Company





310-633-7885

Ticker

Std Min Investment


Sub-Advisor

DFESX

DFA Australia Limited

$0.00

$14.71

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

2 Yr(s)

08/31/2006

Emerging Markets Equity

771.9 Million

2361

14%

Expense Ratio 0.67%


Since

Incept.

Quarter


Year

to Date

1

Month

-1.49 -0.83 -0.02 29.73 8.12 n/a n/a n/aFund Total Return

-1.42 -1.17 1.00 28.83 4.78 11.74 15.32 n/aBenchmark

DFA Emerging Markets Social Core Equity Russell Emerging Markets Large Cap


-5%0%5%

10%15%20%25%30%








Statistics measured against the fund's broad based index: Russell Emerging Markets Large Cap


















-27.29DFA Emerging Markets Social Core Equity -23.37 -2.37 40.60 23.11 8.79 4.06 -8.59 20.46 7.71 0.81 -0.83

-28.19Russell Emerging Markets Large Cap -27.34 1.30 35.84 21.45 8.44 2.68 -8.04 18.12 7.98 2.20 -1.17

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

4K

8K

12K

16K

20K

3Q06

3Q07

3Q08

3Q09

3Q10

DFA Emerging Markets Social Core

Equity

$17,892.59

Russell Emerging Markets Large Cap

$16,508.06


99.37%

0.41%

0.22%

Equity

Cash

Other


Financials

Materials

Energy


Industrials


Consumer Staples

Telecommunications

Utilities

Healthcare

24.58%

17.00%

11.89%

11.56%

10.78%

9.09%

6.31%

5.15%

3.51%

0.14%




OAO Gazprom ADR 2.15%

Samsung Electronics Co., Ltd. 1.86%

Companhia Vale Do Rio Doce ADR 1.44%


Banco Bradesco 1.20%


China Mobile Ltd. ADR 0.99%

Industrial And Commercial Bank Of China Ltd 0.92%

Lukoil Company ADR 0.85%

China Construction Bank Corp 0.82%





choosing a Fund.


American Funds New World R6


Management Company

American Funds

American Funds



800-421-0180

Ticker

Std Min Investment


Sub-Advisor

RNWGX

None

$0.00

$55.75

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

9 Yr(s)

05/01/2009

Emerging Markets Equity

420.8 Million

476

20%

Expense Ratio 0.68%


Since

Incept.

Quarter


Year

to Date

1

Month

-1.43 1.03 2.07 25.93 n/a n/a n/a n/aFund Total Return

-1.42 -1.17 1.00 28.83 4.78 11.74 15.32 n/aBenchmark

American Funds New World R6 Russell Emerging Markets Large Cap


-4%0%4%8%

12%16%20%24%28%32%







Risk Analysis (3 Year) Statistics measured against the fund's broad based index: Russell Emerging Markets Large Cap


















American Funds New World R6 -7.7617.30 5.47 3.45 17.47 5.03 1.03 1.03

Russell Emerging Markets Large Cap -8.0421.45 8.44 2.68 18.12 7.98 2.20 -1.17

3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 1Q11


2Q11


0K2K4K6K8K

10K12K14K16K18K

2Q09

2Q10

2Q11

American Funds New World R6

$14,867.17

Russell Emerging Markets Large Cap

$16,022.90


82.61%

9.52%

7.48%

0.38%

Equity

Fixed

Cash

Other


Financials

Consumer Staples


Telecommunications

Materials

Healthcare

Energy

Industrials


Utilities

17.37%

14.09%

11.61%

11.20%

9.43%

8.96%

8.48%

8.37%

8.08%

2.40%





Nestle SA 1.38%

Mtn Group Limited 1.27%

OJSC Pharmstandard GDR 1.17%

Turkcell Iletisim Hizmetleri AS 1.01%

Industrial And Commercial Bank Of China Ltd 0.98%

Samsung Electronics Co., Ltd. 0.97%

Novo Nordisk A/S 0.91%

Amil Participacoes S.A. 0.86%

Kingboard Chemical Holdings Ltd. 0.84%





choosing a Fund.


Steward Global Equity Income Inst


Management Company

Capstone



Houston, TX 77057

800-262-3208

Ticker

Std Min Investment


Sub-Advisor

SGISX

None

$100,000.00

$24.32

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Wolf

3 Yr(s)

04/03/2008

Global Equity

102.6 Million

59

38%

Expense Ratio 0.68%


Since

Incept.

Quarter


Year

to Date

1

Month


-1.60 0.45 5.57 31.28 0.89 2.57 4.27 n/aBenchmark

Steward Global Equity Income Inst Russell Developed Large Cap


-5%0%5%

10%15%20%25%30%35%








Statistics measured against the fund's broad based index: Russell Developed Large Cap


















-20.59Steward Global Equity Income Inst -3.63 -14.52 17.03 17.75 7.03 2.96 -8.93 13.26 5.39 4.98 2.84

-22.23Russell Developed Large Cap -15.40 -11.68 21.18 17.99 4.15 3.45 -12.61 13.95 9.13 5.09 0.45

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

2K

4K

6K

8K

10K

12K

2Q08

2Q09

2Q10

2Q11

Steward Global Equity Income Inst

$11,657.70

Russell Developed Large Cap

$10,269.90


99.75%

0.25%

Equity

Cash



Financials


Industrials

Energy

Consumer Staples

Utilities

Telecommunications

Healthcare

Materials

16.73%

16.39%

14.07%

12.91%

10.58%

10.05%

5.76%

5.44%

5.16%

2.90%




CNOOC, Ltd. ADR 3.09%

Telefonica, S.A. ADR 3.08%

Banco de Chile ADR 3.01%

Bank of Nova Scotia 2.96%

Genuine Parts Company 2.77%

McDonald's Corporation 2.50%

Taiwan Semiconductor Manufacturing ADR 2.47%

Pearson PLC ADR 2.42%


Mattel, Inc. 2.34%





choosing a Fund.


American Funds New Perspective R6


Management Company

American Funds

American Funds



800-421-0180

Ticker

Std Min Investment


Sub-Advisor

RNPGX

None

$0.00

$29.91

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

10 Yr(s)

04/01/1973

Global Equity

3,534.6 Million

249

24%

Expense Ratio 0.46%


Since

Incept.

Quarter


Year

to Date

1

Month


-1.60 0.45 5.57 31.28 0.89 2.57 4.27 n/aBenchmark

American Funds New Perspective R6 Russell Developed Large Cap


-5%0%5%

10%15%20%25%30%35%








Statistics measured against the fund's broad based index: Russell Developed Large Cap


















-19.78American Funds New Perspective R6 -14.80 -7.15 18.43 18.78 5.45 2.46 -11.34 14.21 9.03 4.19 0.27

-22.23Russell Developed Large Cap -15.40 -11.68 21.18 17.99 4.15 3.45 -12.61 13.95 9.13 5.09 0.45

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

4K

8K

12K

16K

20K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

American Funds New Perspective R6

$19,428.90

Russell Developed Large Cap

$15,194.44


92.84%

6.73%

0.43%

Equity

Cash

Fixed




Financials

Healthcare

Consumer Staples

Materials

Industrials

Energy

Telecommunications

Utilities

16.08%

13.72%

13.37%

12.90%

11.58%

10.05%

10.04%

7.97%

2.91%

1.37%




Novo Nordisk A/S 4.04%

EMC Corporation 1.79%

Amazon.com, Inc. 1.58%

Schneider Electric 1.55%

Texas Instruments, Inc. 1.45%

Barrick Gold Corporation 1.36%

Google, Inc. 1.34%

Newmont Mining Corporation 1.24%

British American Tobacco PLC 1.21%






choosing a Fund.


DFA Intl Core Equity I


Management Company





310-633-7885

Ticker

Std Min Investment


Sub-Advisor

DFIEX

Dimensional Fund Advisors Ltd.

$0.00

$11.58

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

2 Yr(s)

09/15/2005

International Equity

5,936.3 Million

5294

2%

Expense Ratio 0.40%


Since

Incept.

Quarter


Year

to Date

1

Month


-1.09 0.93 4.91 28.77 -2.57 0.20 6.08 n/aBenchmark

DFA Intl Core Equity I Russell Developed ex NA Large Cap Value


-5%0%5%

10%15%20%25%30%35%








Statistics measured against the fund's broad based index: Russell Developed ex NA Large Cap Value


















-22.25DFA Intl Core Equity I -19.39 -13.49 31.34 21.69 0.74 3.01 -13.64 17.41 9.05 4.18 0.33

-22.09Russell Developed ex NA Large Cap Value -19.09 -14.91 28.09 21.18 0.50 1.02 -15.03 16.56 5.30 3.95 0.93

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K2K4K6K8K

10K12K14K16K

3Q05

3Q06

3Q07

3Q08

3Q09

3Q10

DFA Intl Core Equity I

$13,467.53

Russell Developed ex NA Large Cap Value

$11,647.56


99.10%

0.70%

0.20%

Equity

Cash

Other


Financials

Industrials

Materials


Energy

Consumer Staples


Healthcare

Utilities

Telecommunications

24.40%

16.57%

13.75%

12.84%

9.80%

6.47%

5.73%

4.41%

3.04%

3.00%




Royal Dutch Shell PLC ADR B 1.46%

HSBC Holdings PLC ADR 1.15%

Vodafone Group PLC ADR 0.90%

BP Plc ADR 0.89%

Nestle SA 0.56%

Novartis AG ADR 0.48%

Total SA ADR 0.48%

Anglo American PLC 0.46%

Banco Santander SA ADR 0.45%

The Toronto-Dominion Bank 0.44%





choosing a Fund.


Rydex Inverse S&P 500 2x Strategy H


Management Company

Rydex|SGI

Rydex ETF Trust

9601 Blackwell Rd Ste 500

Rockville, MD 20850

800-820-0888

Ticker

Std Min Investment


Sub-Advisor

RYTPX

None

$2,500.00

$13.73

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

7 Yr(s)

05/19/2000

US Equity

107.8 Million

10

Expense Ratio 1.79%


Since

Incept.

Quarter


Year

to Date

1

Month

2.54 -1.79 -14.03 -46.09 -27.68 -17.60 -13.25 n/aFund Total Return

-1.67 0.10 6.02 30.69 3.34 2.94 2.72 n/aBenchmark

Rydex Inverse S&P 500 2x Strategy H S&P 500


-50%-40%-30%-20%-10%

0%10%20%30%40%
























Alpha: Beta: R-Squared: Std Dev:-15.32 -1.75 0.97 37.91


Rydex Inverse S&P 500 2x Strategy H -29.2610.07 20.42 10.86 -27.20 -13.39 -11.69 21.23 -21.83 -19.79 -12.46 -1.79

-21.94S&P 500 -8.37 -11.01 15.93 15.61 6.04 5.39 -11.43 11.29 10.76 5.92 0.10

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

4K

8K

12K

16K

20K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

Rydex Inverse S&P 500 2x Strategy H

$2,413.88

S&P 500

$13,076.10


105.41%

-1.88%

-3.52%

Cash

Other

Equity



Financials

Healthcare

Industrials


Consumer Staples

Energy

Materials

Telecommunications

Utilities

0.05%

0.04%

0.03%

0.03%

0.03%

0.03%

0.03%

0.01%

0.01%

0.01%




Credit Suisse Swap 0.57%

Goldman Swap 0.38%

Morgan Stanley Swap 0.14%





choosing a Fund.


Prudential Jennison Natural Resources Z


Management Company

Prudential Investments

Prudential Investments

Gateway Center Three 100 Mulberry Street

Newark, NJ 07102

800-778-2255

Ticker

Std Min Investment


Sub-Advisor

PNRZX

Jennison Associates LLC

$0.00

$57.92

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

5 Yr(s)

09/13/1996

Commodities

1,948.4 Million

114

21%

Expense Ratio 0.90%


Since

Incept.

Quarter


Year

to Date

1

Month

-3.37 -7.61 -1.03 40.63 -4.54 9.67 18.94 n/aFund Total Return

-5.04 -6.73 -2.58 25.91 -11.87 -0.05 6.62 n/aBenchmark

Prudential Jennison Natural Resources Z Dow Jones UBS Commodity


-20%-10%

0%10%20%30%40%50%








Statistics measured against the fund's broad based index: Dow Jones UBS Commodity


















-40.88Prudential Jennison Natural Resources Z -33.22 6.63 23.09 20.93 9.46 1.15 -10.84 18.48 19.93 7.13 -7.61

-30.04Dow Jones UBS Commodity -27.70 -6.31 11.67 4.25 9.03 -5.03 -4.81 11.61 15.79 4.45 -6.73

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K10K20K30K40K50K60K70K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

Prudential Jennison Natural Resources

Z

$56,655.25

Dow Jones UBS Commodity

$18,976.31


96.12%

2.22%

1.66%

Equity

Cash

Other




Top 10 Holdings






choosing a Fund.


Fidelity Select Gold


Management Company



82 Devonshire St

Boston, MA 02109

877-208-0098

Ticker

Std Min Investment


Sub-Advisor

FSAGX

Fidelity Management & Research (UK) Inc.

$2,500.00

$46.79

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Wickwire

4 Yr(s)

12/16/1985

Commodities

3,918.7 Million

70

35%

Expense Ratio 0.90%


Since

Incept.

Quarter


Year

to Date

1

Month

-5.21 -6.66 -8.44 11.42 7.44 13.10 20.21 n/aFund Total Return

-5.04 -6.73 -2.58 25.91 -11.87 -0.05 6.62 n/aBenchmark

Fidelity Select Gold Dow Jones UBS Commodity


-15%-10%-5%0%5%

10%15%20%25%30%








Statistics measured against the fund's broad based index: Dow Jones UBS Commodity


















-28.72Fidelity Select Gold 1.81 8.01 5.16 16.00 4.73 -2.76 14.30 11.66 8.98 -1.90 -6.66

-30.04Dow Jones UBS Commodity -27.70 -6.31 11.67 4.25 9.03 -5.03 -4.81 11.61 15.79 4.45 -6.73

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K10K20K30K40K50K60K70K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

Fidelity Select Gold

$63,027.33

Dow Jones UBS Commodity

$18,976.31


99.84%

0.16%

Equity

Cash




Top 10 Holdings






choosing a Fund.


DFA Real Estate Securities I


Management Company





310-633-7885

Ticker

Std Min Investment


Sub-Advisor

DFREX

None

$0.00

$23.78

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

3 Yr(s)

01/05/1993

REITS

3,091.3 Million

108

2%

Expense Ratio 0.33%


Since

Incept.

Quarter


Year

to Date

1

Month


-3.35 3.88 10.86 35.55 4.88 1.77 10.59 n/aBenchmark

DFA Real Estate Securities I Wilshire REIT


-5%0%5%

10%15%20%25%30%35%40%








Statistics measured against the fund's broad based index: Wilshire REIT


















-38.39DFA Real Estate Securities I 5.22 -32.69 30.55 33.83 9.00 10.17 -3.93 13.18 7.41 6.59 3.70

-39.95Wilshire REIT 4.78 -33.92 31.66 35.42 9.15 9.82 -4.23 13.34 7.88 6.72 3.88

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K4K8K

12K16K20K24K28K32K

2Q01

2Q02

2Q03

2Q04

2Q05

2Q06

2Q07

2Q08

2Q09

2Q10

2Q11

DFA Real Estate Securities I

$27,219.90

Wilshire REIT

$27,353.55


99.44%

0.56%

Equity

Cash


Financials 100.00%




Simon Property Group, Inc. 9.68%

Equity Residential 4.90%

Public Storage 4.90%

Vornado Realty Trust Shs of Benef Int 4.60%

Boston Properties, Inc. 4.23%

HCP, Inc. 4.03%

Host Hotels & Resorts, Inc. 3.42%

AvalonBay Communities, Inc. 3.11%

Ventas, Inc. 2.54%

ProLogis (Old) 2.47%





choosing a Fund.


DFA Global Real Estate Securities


Management Company





310-633-7885

Ticker

Std Min Investment


Sub-Advisor

DFGEX

DFA Australia Limited

$0.00

$8.73

Fund Manager

Fund Manager Tenure

Inception Date

Asset Type

Share Class Assets

# of Securities


Team

2 Yr(s)

06/04/2008

REITS

847.8 Million

3

Expense Ratio 0.41%


Since

Incept.

Quarter


Year

to Date

1

Month


-3.35 3.88 10.86 35.55 4.88 1.77 10.59 n/aBenchmark

DFA Global Real Estate Securities Wilshire REIT


-5%0%5%

10%15%20%25%30%35%40%








Statistics measured against the fund's broad based index: Wilshire REIT


















-35.34DFA Global Real Estate Securities -3.22 -25.68 29.20 31.45 5.11 5.40 -6.37 17.31 6.93 5.81 4.18

-39.95Wilshire REIT 4.78 -33.92 31.66 35.42 9.15 9.82 -4.23 13.34 7.88 6.72 3.88

3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 3Q10 4Q10 1Q11 2Q11


2Q10


0K

2K

4K

6K

8K

10K

12K

2Q08

2Q09

2Q10

2Q11

DFA Global Real Estate Securities

$11,327.67

Wilshire REIT

$11,537.42


98.16%

0.93%

0.92%

Equity

Other

Cash


Financials


99.93%

0.07%




DFA Real Estate Securities I 56.00%

DFA Intl Real Estate Securities I 43.80%

Blackrock Liquidity Funds Tempcash Portfolio 0.20%





choosing a Fund.


Disclosure Page

This fund fact sheet has been compiled by Prima Capital Management, Inc. (Prima) and is provided by its affiliates, Matrix Settlement and Clearance Services,

LLC (MSCS) and MSCS Financial Services, LLC (MSCSFS), member FINRA. Securities services may be offered through MSCSFS, a wholly owned

subsidiary of MSCS. This fund fact sheet is for informational and research purposes only and we do not guarantee the accuracy, timeliness or completeness of

the information provided. Data is based on information collected from the investment company, it is updated as of the date shown in the section’s title, and

will vary over time.

The total return information does not reflect the deduction of the Sales Load that may apply if the Fund shares were purchased outside of the Plan and, if the

Sales Load were reflected, performance would be lower.

A market index is an unmanaged portfolio of securities such as stocks and bonds. An index is often used as a comparative benchmark for managed portfolios

such as mutual funds These indices are presented to help you evaluate the performance of the broad market which they represent, and provide you with an

understanding of that market’s historic long-term performance, and a broad indication of price movement. Individual investors cannot invest directly in an

index. Past performance is not indicative of future results.

Russell Investment Group is the source and owner of the Russell Index data contained or reflected in this material and all trademarks and copyrights related

thereto. The presentation may contain confidential information and unauthorized use, disclosure, copying, dissemination or redistribution is strictly prohibited.

This is a presentation of USER. Russell Investment Group is not responsible for the formatting or configuration of this material or for any inaccuracy in

USER’s presentation thereof.

The preceding Standards & Poor’s material is Copyright © 2008, Standard & Poor’s, a division of The McGraw-Hill Companies, Inc. All Rights Reserved.”

The Dow Jones IndexesSM are calculated, distributed and marketed by Dow Jones & Company, Inc. pursuant to an agreement between Dow Jones and have

been licensed for use. All content of the Dow Jones IndexesSM, 2008 Dow Jones & Company, Inc. & Associates Incorporated.

The preceding Barclays Capital material is Copyright © 2008, Barclays Bank PLC.

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MERP TD AMERITRADE FUNDS--3/31/2011Target Date Expense YTD 1 year 3 year 5 year 10 year SymbolVanguard Target Retirement 2010 0.17% 2.91 10.94 4.21 n/a n/a RIDGXVanguard Target Retirement 2015 0.16% 3.30 11.93 4.13 4.60 n/a VTXVXVanguard Target Retirement 2020 0.17% 3.67 12.70 3.88 n/a n/a VTWNXVanguard Target Retirement 2025 0.18% 4.04 13.52 3.57 4.06 n/a VTTVXVanguard Target Retirement 2030 0.18% 4.43 14.29 3.26 n/a n/a VTHRXVanguard Target Retirement 2035 0.19% 4.81 15.13 3.24 3.68 n/a VTTHXVanguard Target Retirement 2040 0.19% 4.84 15.30 3.37 n/a n/a VFORXVanguard Target Retirement 2045 0.19% 4.89 15.26 3.30 3.71 n/a VTIVXVanguard Target Retirement 2050 0.19% 4.86 15.31 3.34 n/a n/a VFIFXMoney Market American Funds Money Market Fund 0.34% 0.00 0.00 n/a n/a n/a RAFXXShort-term Government Bonds DFA Short-Term Government 0.21% 0.04 3.44 4.12 4.58 4.66 DFFGXFidelity GNMA Fund 0.45% 0.48 5.48 6.39 6.57 5.46 FGMNXLong-Term Government Bonds Vanguard Long-Term Treasury Investor 0.25% (1.15) 6.71 3.69 5.96 6.13 VUSTXPIMCO Long-Term US Government 0.48% (0.51) 9.13 6.20 7.31 6.99 PGOVXIntermediate-Term Bonds *Steward Select Bond 0.63% 0.09 3.63 4.16 4.85 n/a SEACXVanguard Inflation Protected Securites 0.25% 1.85 7.74 3.39 5.92 6.50 VIPSXIntermediate-Term Government BondsDFA Intermediate Gov Fixed-Income 0.13% 0.02 5.15 4.74 6.55 5.94 DFIGXVanguard GNMA fund Investor Shares 0.23% 0.61 5.55 5.91 6.30 5.59 VFIIXInflation Protected Bonds DFA Inflation Protected Security 0.13% 2.07 8.48 3.92 n/a n/a DIPSXPIMCO real return 0.45% 1.88 8.48 5.03 6.92 7.24 PRRIXHigh Yield Bonds American Funds High Income Trust 0.39% 3.86 14.14 n/a n/a n/a RITGXInternational Bonds Alliance Bernstein Global Bond Fund 0.60% 0.31 6.09 6.65 n/a n/a ANAYXDFA Five-Year Global Fixed Portolio 0.28% 0.28 3.69 4.25 4.58 4.47 DFGBXAmerican Funds Capital Wld Bond Fund 0.54% 1.65 6.65 4.29 6.77 8.00 RCWGXIncome Funds American Funds Inc Fund of America 0.33% 5.14 14.46 3.88 4.47 6.73 RIDGXAmerican Funds Capital Income Builder 0.32% 3.33 11.32 0.72 4.14 7.39 RIRGXBalanced Funds American Funds American Bal Fund 0.30% 4.66 13.79 4.34 4.38 5.82 RLBGXGrowth Funds American Funds Growth Fund of America 0.34% 5.39 13.86 1.91 2.83 4.97 RGAGXCore Funds DFA US Social Core Equity 2 0.33% 8.32 22.83 4.97 n/a n/a DFUEXSmall Cap Funds Schwab Small Cap Index Fund 0.19% 8.24 25.57 9.99 4.97 7.96 SWSSXPrincipal SmallCap S&P 600 0.30% 7.66 25.05 8.14 3.53 8.97 PSSIXMid Cap Funds *Steward Small-Mid Cap Enhanced Index 0.51% 8.31 25.47 10.88 n/a n/a SCECXColumbia Mid Cap Index 0.25% 9.29 26.67 9.90 5.98 9.18 NMPAX

*The Steward funds have been included because they are screened for Christian values. The Steward funds on this list may or may not meet the performance standards as determined by our screening criteria.

Large Cap Funds *Steward Large Cap Enhanced Index 0.51% 6.42 18.12 5.01 3.29 n/a SEECXVanguard 500 index 0.18% 5.88 15.49 2.30 2.54 3.19 VFINXEmerging Markets *Steward International Enhanced Index 0.65% 4.38 11.45 (1.19) 2.79 n/a SNTCXDFA Emerging Mkt Social Core Equity 0.67% 0.81 19.57 6.72 n/a n/a DFESXAmerican Funds New World Fund 0.68% 1.03 14.97 n/a n/a n/a RNWGXWorld Stock *Steward Global Equity Income 0.68% 4.98 14.12 n/a n/a n/a SGISXAmerican Funds New Perspective Fund 0.46% 4.19 15.03 2.88 5.82 7.30 RNPGXDFA International Core Equity Portfolio 0.40% 4.18 15.20 (0.17) 2.85 n/a DFIEXInverse Funds Rydex Inverse S&P 500 2X 1.81% (12.46) (33.46) (26.16) (16.49) (14.18) RYTPXNatural Resources Prudential Jennison Natural Resources 0.90% 7.13 35.71 4.35 12.03 20.35 PNRZXPrecious Metals Fidelity Select Gold 0.96% (1.90) 36.44 11.54 14.23 23.70 FSAGXReal Estate DFA Real Estate Securities I 0.33% 6.59 24.49 2.48 0.97 11.26 DFREXDFA Global Real Estate Securities 0.41% 5.81 24.27 n/a n/a n/a DFGEX

*The Steward funds have been included because they are screened for Christian values. The Steward funds on this list may or may not meet the performance standards as determined by our screening criteria.

McCready and Keene, Inc. Enrollment Form (M639) August 2010

MINISTRY EMPLOYEES RETIREMENT PLAN

403(b) DEFERRAL PERCENTAGE FORM FOR INITIAL ENROLLMENT

THIS ENROLLMENT FORM MUST BE RETURNED TO YOUR EMPLOYER. YOUR CONTRIBUTIONS WILL AUTOMATICALLY BE INVESTED IN ONE OF THE AGE APPROPRIATE TARGET DATE RETIREMENT FUND(S).

A. PERSONAL INFORMATION (please print): (SS# is a required field)

Employee Name SSN:

Address: STREET/P.O. BOX # CITY STATE ZIP CODE

Date of Birth: ______________________ Date of Hire: ___________________ Branch: __________________

B. AUTOMATIC ENROLLMENT: I authorize my employer to make payroll deductions from my pay in the amount indicated below to be used as my 403(b) contributions to the Plan. Contribution percentages can be changed at any time and will be effective the first day of my next applicable pay period after the Plan Administrator receives this form.

I request to contribute the following whole percentage or flat dollar amount of my compensation to the Plan on a before-tax basis via payroll deduction:

Specify any whole percentage (from 1 to 100% )_____%* or a flat dollar amount (not to exceed 100% of my pay) $_______ (before-tax and Roth 403(b) after-tax elections when combined may not exceed the lesser of 100% of your compensation or the IRS dollar limit)*

I wish to contribute the following whole percentage or flat dollar amount of my compensation to the Plan on an after-tax basis as a Roth 403(b) contribution via payroll deduction:

Specify any whole percentage (from 1 to 100%) _____%* or a flat dollar amount (not to exceed 100% of my pay) $_______ (before-tax and Roth 403(b) after-tax elections when combined may not exceed the lesser of 100% of your compensation or the IRS dollar limit)*

Because I will be at least age 50 by December 31, 2010 and have elected the maximum deferral above or will reach the $16,500 deferral limit for 2010, I elect to contribute additional “catch-up contributions” via payroll deduction.. This catch-up contribution election will be based on the whole percentage(s) or flat dollar amount(s) of my compensation as noted. My total catch-up contribution may not exceed $5,500 for 2010. My catch-up contribution election shall be _____% or a flat dollar amount $_______as a before-tax contribution and _____% or a flat dollar amount $_______as a Roth 403(b) contribution.

I do not wish to contribute at this time.

*The IRS limit is $16,500 in 2010, with an additional $5,500 catch-up contribution permitted for anyone who is at least age 50 by December 31, 2010.

C. INVESTMENT OPTIONS AVAILABLE FOR FUTURE ELECTIONS: *Initially, your contributions to the plan will automatically be invested in one of the age appropriate Target Date Retirement Fund(s). If you wish to change this automatic investment election, it will be your responsibility to use the plan’s toll-free telephone numbers (Voice Response System) 1-800-442-4015 or 1-800-972-4015 or the Internet at https://www.merpsolutions.com to make any investment election changes. Your access credentials will be established as soon as your first contribution is received. Your user ID is your Social Security Number (SSN) and your password/PIN is the last four digits of your SSN. If you have any questions, please contact Barbara Coetzee at (888)884-4574, Extension 116. D. VOICE RESPONSE UNIT (VRU) AND INTERNET (WEB) INSTRUCTION AUTHORIZATION

AGREEMENT:

I hereby authorize the Recordkeeper and/or the Custodian of this Plan to act on my VRU/WEB instructions with respect to the investment of assets held in my account under this Plan by me or from any person representing himself or herself to be me and furnishing proper identifying information, including a Personal Identification Number agreed to by me. I understand that the transmission of data across the VRU/WEB involves possible eavesdropping, theft and loss of data and if I provide data across the VRU/WEB, I will be assuming those risks. I hereby hold harmless the Recordkeeper and/or Custodian for acting in good faith on a VRU or WEB instruction regarding my account. I further understand if my account information does not appear to be accurate after making changes on the VRU/WEB, it is my responsibility to contact the Plan Administrator immediately.

E DUTY TO REVIEW PAY RECORDS:

I understand I have a duty to review my pay records (pay stub, direct deposit receipt, etc.) to confirm the Employer has properly implemented by 403(b) deferral election. Furthermore, I have a duty to inform the Plan Administrator if I discover any discrepancy between my pay records and this election form. I understand the Plan Administrator will treat my failure to report any withholding errors for any payroll to which this election form applies, by the cut-off date for the next following payroll, as my affirmative election to defer the amount actually withheld (including zero). However, I thereafter may modify my 403(b) election prospectively, consistent with the Plan terms. F. AUTHORIZATION AND SIGNATURE:

I hereby authorize MERP (or its authorized representative) to make the necessary payroll deductions from my compensation as indicated on this form, subject to reducing the actual amount of such deduction necessary to satisfy applicable IRS requirements. I hereby authorize and direct the Plan’s Custodian (or its authorized representative) to effect the investment allocations as shown on the front of this form, until such time as a new investment allocation is received by the Custodian (or its authorized representative) in a form and manner acceptable, described above, to the Custodian (or its authorized representative). I have read and understand the prospectus and/or other disclosure information regarding the investment options applicable to the Plan. This election supersedes any previous election I have made. Participant's Signature: Date:

MINISTRY EMPLOYEES RETIREMENT PLAN

BENEFICIARY DESIGNATION AND SPOUSAL CONSENT FORM PARTICIPANT INFORMATION:

Social Security Number Last Name First Name Middle Initial

Mailing Address City State Zip

Date of Birth (MM/DD/YYYY) Date of Hire (MM/DD/YYYY)

Instructions: Complete the Designation of Primary Beneficiary and the Statement of Marital Status. If desired, you may also complete the Designation of Contingent Beneficiary.

DESIGNATION OF PRIMARY BENEFICIARY: I name the following person (or persons) to receive any benefit payable under the plan at my death. My primary beneficiary (or beneficiaries) will receive (in equal shares unless a different percentage is indicated) this death benefit if he or she survives me: Name(s) % Relationship Social Security Number

(Please write "none" in any unused lines. Attach an additional page if more lines are needed.) If I am married and my spouse is not named as my only primary beneficiary, I am waiving some or all of the death benefit for my spouse. To be valid, this designation requires my spouse's written consent. A spousal consent form is on the back. DESIGNATION OF CONTINGENT BENEFICIARY (OPTIONAL): If no primary beneficiary named above survives me, then I name the following contingent beneficiary (or beneficiaries) who survive me to receive (in equal shares unless a different percentage is indicated) any benefit payable under the plan at my death:

Name(s) % Relationship Social Security Number

(Please write "none" in any unused lines. Attach an additional page if more lines are needed.)

STATEMENT OF MARITAL STATUS: I am unmarried; married to (insert spouse's name).

PARTICIPANT ACKNOWLEDGEMENT AND SIGNATURE: I understand and agree to the following: (1) naming a nonspouse beneficiary to receive any of my vested account balance will be invalid without the written consent of my spouse; (2) the above beneficiary designation revokes any prior designation; (3) if I have a different spouse when benefits begin, I must get a new spousal consent; and (4) this beneficiary designation shall be subject to the terms of any outstanding Qualified Domestic Relations Order. In the event of a divorce, I should complete a new Beneficiary Designation Form. If I marry after completing this form, it will become invalid as required by law unless my spouse consents. I am responsible for any incorrect statement of marital status. The naming of primary and contingent beneficiaries is subject to the terms of the Plan and the rules on the back of this form. Participant's Signature Date Acknowledgment of Receipt by Employer Date McCready and Keene, Inc. DC Beneficiary Designation –(No annuities) (07/09) DC 5

(DISTRIBUTION OF COPIES: EMPLOYEE, EMPLOYER) Created: July, 2010

SPOUSE'S CONSENT

YOUR AGREEMENT:

I, , am the spouse of . I understand that I have the right to all name of participant's spouse name of participant of my spouse's account in the plan after my spouse dies. I agree to give up my right to 100% of the account and instead have the benefit paid to the beneficiaries designated by my spouse on the Beneficiary Designation Form. I have read the Spouse's Agreement to Waive the Right to be a Beneficiary of a Participant and understand that my spouse cannot change the name of any beneficiary in the future unless I agree to the change. I understand that by signing this agreement I may receive less money than I would have received if I had not signed this agreement and I may receive nothing from the plan after my spouse dies. I understand that I do not have to sign this agreement. I am signing this agreement voluntarily.

You must sign before a notary public or plan representative. Spouse's Signature: Date of Agreement: ACKNOWLEDGMENT BEFORE NOTARY PUBLIC:

State of County of Before me, a Notary Public in and for said county and state, personally appeared the above-identified "spouse" who acknowledged the execution of the foregoing Spouse's Consent, and who, having been duly sworn, stated that any representations contained herein are true and he/she executed such consent as his/her free and voluntary act for the purpose stated herein. Witness my hand and notarial seal this day of , 20 .

My commission expires:

Signature:

Printed Name: , Notary Public

The above Notary Public is a resident of County, . WITNESS BY PLAN REPRESENTATIVE: The undersigned representative of the Plan states that he/she witnessed the execution of the foregoing Spouse's Consent and that such spouse acknowledged the execution of the above Spouse's Consent to Participant's Election and stated that any representations contained therein are true and that he/she executed such Consent as his/her free and voluntary act for the purpose stated herein. Signature: Date: Special Rules Applicable to Beneficiary Designation: 1. If a primary beneficiary survives the participant but dies before receiving all amounts due, then any remaining amounts due to such primary

beneficiary will be payable to the beneficiary designated by such primary beneficiary in writing and delivered on an acceptable form to the Plan Administrator or will be payable to the estate of such primary beneficiary if he (or she) has not so designated a beneficiary.

2. If more than one primary beneficiary is designated and one or more (but not all) of the named primary beneficiaries fail to survive the

participant, then the share of any primary beneficiary who dies before the participant will be divided among the remaining primary beneficiaries in proportion to their designated shares.

3. The above rules 1 and 2 apply in a similar manner to contingent beneficiaries if no primary beneficiary survives the participant. Page 2 DC 5

MINISTRY EMPLOYEES RETIREMENT PLAN SPOUSE'S AGREEMENT TO WAIVE THE RIGHT TO BE THE

BENEFICIARY OF A PARTICIPANT

1. What Rights Do You Have to Benefits after Your Spouse Dies?

Your spouse has an account in the above plan. The money in the account that your spouse will be entitled to receive is called the "vested account". Federal law states that you will receive the vested account after your spouse dies. Example: Pat Doe dies at age 45 and Pat's vested account in the plan was $10,000 at the time of Pat's death. The plan will pay the $10,000 to Pat's spouse, Robin Doe (adjusted for gains and losses after Pat's death).

2. Can Your Spouse Choose other Beneficiaries to Receive the Account?

Yes. However, under federal law, your right to your spouse's vested account cannot be taken away unless you agree. If you agree, your spouse can elect to have all or part of the vested account paid to someone else. Each person your spouse chooses to receive a part of the vested account is called a "beneficiary." For example, if you agree, your spouse can have the vested account paid to his or her children instead of you. Example: Pat and Robin Doe agree that 1/2 of Pat's vested account will be paid to Robin and 1/2 of the vested account will be paid to Pat's child, Chris. If Pat's vested account at the time of his death is $10,000, the plan will pay $5,000 to Robin and $5,000 to Chris (each amount adjusted for gains and losses after Pat's death). Your spouse cannot have the vested account paid to someone else unless you agree and sign the spousal consent.

3. Do You Have to Give Up Your Right to Your Spouse's Vested Account?

No. Your choice must be voluntary. It is your personal decision whether you want to give up your right to your spouse's vested account.

4. Can Your Spouse Change the Beneficiary in the Future If You Sign this Agreement?

If you sign this agreement, your spouse cannot change the beneficiary named in his or her Beneficiary Designation Form to anyone other than you, unless you agree to the new beneficiary by signing a new agreement. If you agree, your spouse can change the beneficiary at any time before your spouse dies.

5. Can You Change Your Mind after You Sign this Agreement?

You cannot change this agreement after you sign it. Your decision is final. However, you and your spouse can decide later to change the beneficiaries.

6. What Happens to this Agreement If You Become Separated or Divorced?

Legal separation or divorce may end your right to the vested account even if you do not sign this agreement. However, if you become legally separated or divorced, you might be able to get a special court order (which is called a "qualified domestic relations order" or "QDRO") that specifically protects your rights to the vested account. If you are thinking about separating or getting a divorce, you should get legal advice on your rights to benefits from the plan. You must acknowledge reading this agreement and consent to your spouse's designation of a non-spouse beneficiary on the Spousal Consent Form. To be valid, your signature must be acknowledged before a Notary Public or Plan Representative. McCready and Keene Notice Regarding Spousal Death Benefit in a Defined Contribution Plan (7/09) DC5A

Documents

401k Plan Enrollment Kit